Proceedings of International Conference on Islamic Economic Finance and Social Finance (ISSN: XXXX-XXXX) (ESSN: XXXX-XXXX)

Pengaruh Kepemilikan Aplikasi Mobile Banking Dan Gaya Hidup Terhadap Perilaku Konsumtif Di Kalangan Mahasiswa

2026-01-17T10:07:51+07:00

The formulation of the problem in this study is whether there is an effect of ownership of mobile banking applications and lifestyle on consumptive behavior among students. This study aims to determine whether there is an effect of ownership of mobile banking applications and lifestyle partially and simultaneously on consumptive behavior among students. The research methodology used is a quantitative approach with a survey method. The population of this study were all active students in Padangsidimpuan City with a sample of 100 students. The sampling technique used incidental sampling. The data collection technique used a questionnaire and then data processing using SPSS version 26.0 software. Data analysis using multiple linear regression. The results showed that there was no significant effect of ownership of mobile banking applications on consumptive behavior among students.

The Effect Of Fiscal Policy And Foreign Direct Investment On The Economic Growth Of Member Countries Of The Organization Of Islamic Cooperation (Oic)

2026-01-17T11:05:21+07:00

Good economic growth is the main goal of all countries in the world. Economic growth will always be the center of attention and is one of the issues that attracts a lot of world attention. To increase the economic growth of a country, the government can reflect and evaluate making the right policies to carry out national economic recovery, one of which is through fiscal policy. Every country needs capital to finance its development projects.This study aims to analyze the effect of fiscal policy and FDI on the economic growth of member countries of the OIC.The focus of this study is the group of nations known as the D-8 countries. The analysis technique used in this study is panel data regression, which was processed using Eviews 12 software.As a result, The probability value of government expenditure, which is used as a proxy for fiscal policy in this study, is 0.0001. Therefore fiscal policy affects economic growth. The probability result for FDI is 0.0014, which is less than 0.05. This means that FDI has a positive effect on economic growth.

Halal Certificates And Public Trust: Catalyst Or Challenge For The Indonesian Halal Economy?

2026-01-17T23:02:21+07:00

The current phenomenon is that there are several cases of misuse of halal certification. Meanwhile, consumers with higher levels of trust tend to choose halal-certified products. In addition, when consumers do not have enough information about the content, production process, and quality of halal products, they seek trust. Halal product certification is an important solution to this information gap, providing consumers with increased trust in the product. Addressing the phenomenon that occurs, this study aims to describe public trust in halal certification can encourage the growth of the halal economy in Indonesia. This research was conducted with a qualitative approach through literature searches and writings that are closely related to this research problem. Data collection through searches of journal articles from online websites. The results of the study show that halal certification is one of the innovations for businesses, a marketing strategy tool and a competitive advantage that increases business growth.