Shirkah Journal of Economics and Business最新文献_第4页

Islamic Finance-Growth Nexus: Evidence from Indonesia 伊斯兰金融与增长关系:来自印度尼西亚的证据

Shirkah Journal of Economics and Business Pub Date : 2022-09-08 DOI: 10.22515/shirkah.v7i2.472

Firsty Izzata Bella, Imron Mawardi, Ishma Amelia

引用次数: 0

Is Loan Shark an Alternative? The Intentions to Take a Loan from Loan Sharks in Indonesia 高利贷是另一种选择吗?向印尼高利贷者贷款的意图

Shirkah Journal of Economics and Business Pub Date : 2022-09-08 DOI: 10.22515/shirkah.v7i2.487

Safwan Kamal, M. Muslem, M. Mulyadi, E. Kassim, Muhammad Uzair Zulkifly

{"title":"Is Loan Shark an Alternative? The Intentions to Take a Loan from Loan Sharks in Indonesia","authors":"Safwan Kamal, M. Muslem, M. Mulyadi, E. Kassim, Muhammad Uzair Zulkifly","doi":"10.22515/shirkah.v7i2.487","DOIUrl":"https://doi.org/10.22515/shirkah.v7i2.487","url":null,"abstract":"Research rarely reaches the discussion of loan sharks. This study describes how intentions are influenced by service, word-of-mouth, and subjective norms, with knowledge of usury acting as a moderating variable. This quantitative study involved 150 respondents. The data collected was analyzed by using structural Equation Modeling (SEM) with SmartPLS 3 Software. According to this study, service significantly affected intention to take a loan from loan sharks but had no influence on word-of-mouth. Though it has no influence on intention, the subjective norm has a significant influence on word-of-mouth. The service on the intention is mediated by word of mouth, which has an influence on the intention. However, word-of-mouth does not act as a mediating variable between subjective norms and intentions. The intention to use the services of loan sharks is significantly moderated by knowledge about usury, which also significantly moderates word-of-mouth and subjective norms. It did not, however, moderate the influence of service on intentions. As a result, it is recommended that the government create Islamic financial institutions not only for the middle class and upper class but also for the lower economic class, which is vulnerable to loan sharks.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"289 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-09-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72435083","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

Social Influence, Religiosity, and Salesperson Service on Saving Intention in Islamic Banks: The Mediating Role of Perceived Ease of Use of Technology 社会影响、宗教信仰和营业员服务对伊斯兰银行储蓄意愿的影响:感知技术易用性的中介作用

Shirkah Journal of Economics and Business Pub Date : 2022-09-07 DOI: 10.22515/shirkah.v7i2.506

Aris Tri Haryanto, F. Wulandari

{"title":"Social Influence, Religiosity, and Salesperson Service on Saving Intention in Islamic Banks: The Mediating Role of Perceived Ease of Use of Technology","authors":"Aris Tri Haryanto, F. Wulandari","doi":"10.22515/shirkah.v7i2.506","DOIUrl":"https://doi.org/10.22515/shirkah.v7i2.506","url":null,"abstract":"Research on the Theory of Planned Behavior (TPB) in the context of Islamic banks management has been conducted for years. However, studies investigating the mediating role of perceived ease of use of technology on saving intention in Islamic banks by considering social influence, religiosity, and salesperson service still require more paucity of evidence. This study adopted the TPB and Perceived Behavior Control (PBC). Purposive sampling was used to select 250 respondents who were customers of Islamic banks in Surakarta municipality, Indonesia. The data were analyzed by using the Structural Equation Model (SEM) with SPSS AMOS 22. The results indicate that social influence, religiosity, and salesperson service have a positive and significant impact on saving intentions in Islamic banks. With partial mediating results, perceived ease of use of technology mediates the effect of social influences on saving intention in Islamic banks. Meanwhile, the role of perceived ease of use of technology in mediating social influence on saving intentions is ineffective. Salesperson service has the biggest effect on saving intentions since they are directly interacting with customers. The results contribute to providing fruitful insights to sharia banks that sales person service and religiosity are two crucial factors determining the consumers’ satisfaction.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"25 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-09-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89813999","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

The Role of Islamic and Conventional Microfinance in Tackling Financial Exclusion in Bangladesh, Nigeria, and Uganda 伊斯兰和传统小额信贷在解决孟加拉国、尼日利亚和乌干达金融排斥问题中的作用

Shirkah Journal of Economics and Business Pub Date : 2022-09-01 DOI: 10.22515/shirkah.v7i2.478

Tawfik Azrak, Muzamil Edema

{"title":"The Role of Islamic and Conventional Microfinance in Tackling Financial Exclusion in Bangladesh, Nigeria, and Uganda","authors":"Tawfik Azrak, Muzamil Edema","doi":"10.22515/shirkah.v7i2.478","DOIUrl":"https://doi.org/10.22515/shirkah.v7i2.478","url":null,"abstract":"There has been to pertinent study considering the growth of Islamic and conventional microfinance institutions as an antecedent of financial inclusion in Bangladesh, Nigeria, and Uganda in a single study. Adults who are financially excluded make up sizable numbers in Bangladesh, Nigeria, and Uganda, the three OIC countries. Financial exclusion has been addressed through the establishment of microfinance institutions. This study attempts to review the contribution of Islamic and conventional microfinance institutions established in these countries in tackling financial exclusion. The study used the data from the Global Findex Database of the World Bank and IMF Financial Access Survey to draw a comparative image of financial access among the countries. The evidence indicated that there are significant financial gaps across the countries and hence a huge opportunity for Islamic microfinance with its vast range of financial products could be implemented to spur economic growth and tackle financial exclusion. Policymakers can use the study's findings to entice and build new microfinance institutions with broadly inclusive products for all populations of these countries.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"161 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80145486","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2

Halal Marketplace: The Influence of Attitude, Subjective Norms, and Perceived Behavior Control on Purchase Intention of Muslim Consumers 清真市场:态度、主观规范和感知行为控制对穆斯林消费者购买意愿的影响

Shirkah Journal of Economics and Business Pub Date : 2022-08-16 DOI: 10.22515/shirkah.v7i1.451

Nasrul Fahmi Zaki Fuadi, Baidi Bukhari, Shovia Indah Firdiyanti

{"title":"Halal Marketplace: The Influence of Attitude, Subjective Norms, and Perceived Behavior Control on Purchase Intention of Muslim Consumers","authors":"Nasrul Fahmi Zaki Fuadi, Baidi Bukhari, Shovia Indah Firdiyanti","doi":"10.22515/shirkah.v7i1.451","DOIUrl":"https://doi.org/10.22515/shirkah.v7i1.451","url":null,"abstract":"Halal is currently a global concept that is becoming more universally recognized. Strengthening the digital economy is advocated by the 2019–2024 Indonesian Islamic Economic Masterplan (MEKSI), whose primary target is the halal market. Drawing in this issue, this study scrutinizes the influence of attitude, subjective norms, and perceived behavior control on the purchase intention of Muslim consumers in the halal marketplace. This study involves the Muslim community in Semarang, Indonesia. Taking a sample of 100 respondents, this quantitative study was used with multiple linear regression. The results demonstrated that Muslim consumers have a good understanding of the halal market. An individual's understanding of the halal market improves with increasing levels of education. Subjective norms and behavior control have a significant influence on the purchase intention of Muslim consumers in the halal marketplace. Attitude does not significantly influence Muslim consumers' purchase intentions in the halal marketplace. The outcomes of this research are anticipated to be helpful to Muslim consumers and entrepreneurs in encouraging competitiveness and sales so they may create a digital platform-based halal marketplace ecosystem in light of KNKS' expectations.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"37 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81697384","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

Knowledge Sharing and Individual Diversity Interaction at Zakat Institutions in Indonesia: Testing the Relationship 印尼天课机构的知识共享与个体多样性互动:检验关系

Shirkah Journal of Economics and Business Pub Date : 2022-08-11 DOI: 10.22515/shirkah.v7i1.501

Kuntarno Noor Aflah

{"title":"Knowledge Sharing and Individual Diversity Interaction at Zakat Institutions in Indonesia: Testing the Relationship","authors":"Kuntarno Noor Aflah","doi":"10.22515/shirkah.v7i1.501","DOIUrl":"https://doi.org/10.22515/shirkah.v7i1.501","url":null,"abstract":"Research on the relationship between knowledge sharing and employee performance is still inconsistent. Hence, this study offers novelty by involving a variable of individual diversity interaction to investigate the effect of knowledge sharing on employee performance as observed by the ability of employees in achieving individual targets in collecting and distributing ZIS (zakat, infak, and alms). This study included 195 respondents that were analyzed with Structural Equation Modelling using AMOS. The results indicated that knowledge sharing has a positive and significant effect on individual diversity interaction. Individual diversity interactions have a positive and significant effect on religiosity and affective commitment. Moreover, religiosity and individual diversity interaction have a positive and significant effect on employee performance. However, affective commitment indicates no effect on employee performance. This study suggests that to improve performance, employees at zakat institutions need to further intensify their knowledge sharing. This study can be utilized as a resource for more research and to upgrade employees' ZIS collection and distribution capacity.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"82 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79695947","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Factors Strengthening the Fundamental Concept of Human Relations in Islamic Financial Institutions of Indonesia 加强印尼伊斯兰金融机构人际关系基本概念的因素

Shirkah Journal of Economics and Business Pub Date : 2022-04-30 DOI: 10.22515/shirkah.v7i1.464

Budi Sukardi, Fachrurazi Fachrurazi, Eko Asmanto

{"title":"Factors Strengthening the Fundamental Concept of Human Relations in Islamic Financial Institutions of Indonesia","authors":"Budi Sukardi, Fachrurazi Fachrurazi, Eko Asmanto","doi":"10.22515/shirkah.v7i1.464","DOIUrl":"https://doi.org/10.22515/shirkah.v7i1.464","url":null,"abstract":"This study seeks to manifest the factors in strengthening and improving the fundamental concepts of human relations in Islamic banking including motivation, concepts and perceptions of individuals, power, decision-making, communication, leadership, mentality, social environment, individual differences, and human dignity. They are scrutinized in Islamic financial institutions in Indonesia. This quantitative study employed a non-experimental approach. 38 Islamic financial institutions were involved as the representative sample. Data from the questionnaire were analyzed using factor analysis to reduce the data by summarizing several factors and renaming them as new factors. Verification using factor analysis with correlation matrix showed that the human dignity provides a significant relationship to all factors in human relations in Islam with a significance of 0.05. All factors were found valid with the highest validity of 0.802 (human dignity). The results of the reduction factor brought up three new factors social, psychological, and leadership factors. This study proves that the essential components to strengthen and improve human relations in Islamic banking are implementing and improving social, psychological, and leadership aspects.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"GE-22 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84613447","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Determinants of Dysfunctional Audit Behavior in the Public Accounting Firms 会计师事务所审计行为失调的决定因素

Shirkah Journal of Economics and Business Pub Date : 2022-04-30 DOI: 10.22515/shirkah.v7i1.363

M. Mardi, Susi Indriani Sarka, K. Kardoyo

引用次数: 2

Marketing Strategy for Agrotourism Development in Lampung Province Indonesia 印尼楠榜省农业旅游发展的营销策略

Shirkah Journal of Economics and Business Pub Date : 2022-04-30 DOI: 10.22515/shirkah.v7i1.434

R. Roslina, R. Nurmalina, M. Najib, Y. Asnawi

{"title":"Marketing Strategy for Agrotourism Development in Lampung Province Indonesia","authors":"R. Roslina, R. Nurmalina, M. Najib, Y. Asnawi","doi":"10.22515/shirkah.v7i1.434","DOIUrl":"https://doi.org/10.22515/shirkah.v7i1.434","url":null,"abstract":"The enormous potential for the development of agrotourism in Indonesia has not been explored efficiently due to nonoptimal marketing. Therefore, this research formulated the marketing strategy for the agrotourism sector in Lampung Province Indonesia. Purposive sampling was used to select the respondents based on the criteria of experts with experience, knowledge, or authority in agrotourism. This led to the selection of 12 people in the Department of Agriculture and the Ministry of Tourism and Creative Economy, tourism operators consisting of the Hotel and Restaurant Association (PHRI), the Association of The Indonesian Tours and Travel Agencies (ASITA), and farmers/agritourism partners. Upon the analysis using the Analytic Hierarchy Process (AHP), the results showed that authentic experience should be prioritized with agrotourism actors or partners playing a big role in the marketing process. Furthermore, the addition of attractions with actors or partners is expected to play a key role in offering authentic experiences to tourists as a prioritized alternative strategy. These findings, therefore, showed the need for coordination and collaboration, intensifying marketing communications as well as the provision of tour packages to increase agrotourism marketing in the study area.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"18 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76056605","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Brand Value and Tourists’ Satisfaction in Lombok Indonesia as a Halal Tourism Destination 印尼龙目岛清真旅游目的地的品牌价值与游客满意度

Shirkah Journal of Economics and Business Pub Date : 2022-04-30 DOI: 10.22515/shirkah.v7i1.403

M. Yusup, Riduan Mas'ud, Maimunah Johari

{"title":"Brand Value and Tourists’ Satisfaction in Lombok Indonesia as a Halal Tourism Destination","authors":"M. Yusup, Riduan Mas'ud, Maimunah Johari","doi":"10.22515/shirkah.v7i1.403","DOIUrl":"https://doi.org/10.22515/shirkah.v7i1.403","url":null,"abstract":"Since 2015, the Ministry of Tourism and Creative Economy of the Republic of Indonesia has appointed Lombok of West Nusa Tenggara as a halal tourism destination. Because of its natural beauty, which is comparable to that of Bali, the majority of the population is Muslim, and the island has a distinct religious culture and history, Lombok has a lot of promise in promoting halal tourism in Indonesia. This study intends to elucidate the relationship between destination brand awareness, brand image, brand quality, and destination brand value in increasing the destination brand satisfaction of tourists visiting Lombok. This study proposes a new model and clarifies the concept of a new indicator on the variable of destination brand value. Upon analysis of structural equation modeling (SEM) using convenience sampling employing WarpPLS software to 250 respondents, it was proven that the research model was accepted with a coefficient of determination (R2) of 86.6%. The proposed model shows destination brand value to be a determinant of tourists’ satisfaction. The model also proves that indicators of convenience, reasonable cost, fun, and getting benefits make a positive contribution to brand value destinations. This study offers practical implication that tourism managers should pay attention to and improve brand image, which currently has little impact on destination brand value, by building brand popularity and competitive advantages.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"34 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82083169","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1