Shirkah Journal of Economics and Business最新文献_第6页

Acceleration of Islamic Bank Financing in Indonesian Agriculture Sector 加快伊斯兰银行在印尼农业部门的融资

Shirkah Journal of Economics and Business Pub Date : 2021-07-13 DOI: 10.22515/SHIRKAH.V6I2.341

Faizul Mubarok

引用次数: 2

Female Users’ Behavioral Intention to Purchase in Social Commerce through Social Networking Sites 女性用户通过社交网站进行社交商务的购买行为意愿

Shirkah Journal of Economics and Business Pub Date : 2021-07-13 DOI: 10.22515/SHIRKAH.V6I2.416

Phyo Min Tun

{"title":"Female Users’ Behavioral Intention to Purchase in Social Commerce through Social Networking Sites","authors":"Phyo Min Tun","doi":"10.22515/SHIRKAH.V6I2.416","DOIUrl":"https://doi.org/10.22515/SHIRKAH.V6I2.416","url":null,"abstract":"The present study aims to discover the relationship among social influence, verbal influence, easiness, trust, enjoyment, and intention to purchase in social commerce (S-Commerce), particularly by female users of social networking sites (SNS). A total of 280 responses were collected from female SNS users through an online survey. The obtained data were further examined for normality, construct validity, reliability, and model fit, using Structural Equation Modeling (SEM) to test the hypotheses. This study confirmed that social influence had a significant effect on verbal influence and trust; meanwhile enjoyment was influenced by trust and easiness. The results also revealed that trust and enjoyment had a positive effect on intention to purchase products or services from social commerce by the female SNS users. Moreover, verbal influence provided an impact on trust and easiness; while the relationship between social influence and enjoyment, easiness, and trust was not significant. These results contribute to offering fruitful insights for sellers and vendors of social commerce in attracting and acquiring the attention of female customers; as a result, it leads to achieving higher profits and flourishing business activities in social commerce.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"60 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84338173","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

Users’ Experiences of Mobile Financial Services at Rural Areas of Bangladesh 孟加拉国农村地区移动金融服务用户体验

Shirkah Journal of Economics and Business Pub Date : 2021-07-13 DOI: 10.22515/SHIRKAH.V6I2.409

M. Rahman

{"title":"Users’ Experiences of Mobile Financial Services at Rural Areas of Bangladesh","authors":"M. Rahman","doi":"10.22515/SHIRKAH.V6I2.409","DOIUrl":"https://doi.org/10.22515/SHIRKAH.V6I2.409","url":null,"abstract":"Mobile Financial Services (MFS) is one of the new innovations of the modern financial system. It nowadays plays a crucial role in banking users’ day-to-day financial activities. This study investigates users’ experiences of MFS at rural areas of Bangladesh. Specifically, this study sought to gain an understanding of to what extent different factors positively or negatively influence users’ experience in using mobile financial services. This study was mainly a survey research. The data were obtained using a questionnaire from a total of 128 MFS users (102 male and 26 female) living in rural areas of Bangladesh who were conveniently chosen from five Upazilla in Barishal city. The findings suggested that MFS users in rural areas of Bangladesh have both positive and negative experiences toward the use of mobile financial services. This study further revealed six major factors that have influenced the users’ positive and negative experiences in general, i.e. perceived usefulness, perceived ease of use, perceived risk, trust, customer and MFS agent relationship, and perceived cost. It was found that the last factor (perceived cost) have generated the users’ negative experiences toward mobile financial services. Therefore, the government and MFS providers are encouraged to work together with some innovative strategies to change the users’ negative experiences into positive experiences of using the mobile financial services.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"38 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86759450","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

Technology Readiness and Digital Competing Capabilities: Digital Value Resonance 技术准备和数字竞争能力:数字价值共振

Shirkah Journal of Economics and Business Pub Date : 2021-07-13 DOI: 10.22515/SHIRKAH.V6I2.385

Roymon Panjaitan, Agustinus Moonti, Echan Adam

{"title":"Technology Readiness and Digital Competing Capabilities: Digital Value Resonance","authors":"Roymon Panjaitan, Agustinus Moonti, Echan Adam","doi":"10.22515/SHIRKAH.V6I2.385","DOIUrl":"https://doi.org/10.22515/SHIRKAH.V6I2.385","url":null,"abstract":"The digital economy for MSMEs still possesses complex problems in the debate over technology readiness and competitive digital capabilities. The increase of dynamic product innovation changes is only effectively supported by digital value resonance. Addressing this issue, this research aims to explore the readiness of technology and the ability to compete digitally for innovative products through the resonance of digital value, especially for multi-business businesses. The data were collected from 170 respondents of small and medium-sized businesses through questionnaires. SEM-PLS techniques were used to analyze the data with a path mediated by digital value resonance on product innovation. The results showed that the resonance of digital value successfully mediated the relationship of technological readiness and digital competing capabilities, as well as direct links to the improvement of innovative products. Digital consumer habits also successfully strengthened the relationship of technological readiness and digital competing capabilities on the resonance of digital value. The advantages of this research lie in the synthesis of proposed digital value resonance variables from the results of resource-based view theory propositions in bridging the previous researcher gaps and contributing as a conceptual novelty model that can personalize digital value in the level of competition and increase MSMEs innovation products.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"48 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86935391","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: 3

Advocacy Coalition Framework of Ultra Micro Loan Policymaking in Indonesia 印尼超小额贷款政策制定倡导联盟框架

Shirkah Journal of Economics and Business Pub Date : 2021-04-16 DOI: 10.22515/SHIRKAH.V6I1.412

N. I. Soesilo

{"title":"Advocacy Coalition Framework of Ultra Micro Loan Policymaking in Indonesia","authors":"N. I. Soesilo","doi":"10.22515/SHIRKAH.V6I1.412","DOIUrl":"https://doi.org/10.22515/SHIRKAH.V6I1.412","url":null,"abstract":"Advocating the Ultra Micro-lending concept of Indonesia's Ministry of Finance in 2017 was a tumultuous nine-year process. The present paper aims to examine the Ultra Micro-lending (UMi) program conducted by the Ministry of Finance of Republic of Indonesia using Advocacy Coalition Framework. This paper showed that Advocacy Coalition Framework could moderate the interest groups' disagreement through seven steps as follows. First, relatively stable parameters of poverty need alleviation using better financial access with empowerment. Second, the external system is inspired by Grameen Bank as the winner of the Nobel Peace Prize. Third, removing constraints and resources of subsystem actors from the internal Ministry of Finance and the Parliaments. Fourth, creating consensus for getting the Ministry of Bureaucratic Reform's permit. Fifth, policy subsystem that coalesces the need of market-rate and subsidized rate to cater to 46.7 million grassroots entrepreneurs as a 'win-win' arrangement to complement the bank-based People's Business Credit (KUR). Sixth, policy outputs as the legal product of the UMi with a 7 Trillion State budget. Seventh, policy impact's measurement after one year piloting before UMi's scaling up. This paper has a significant contribution to enhancing the efficacy of UMi program, and as a continuous effort to ensure the economic development of the country.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"5 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-04-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90824082","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

Proposing Blue Sukuk in Indonesia: An Interpretive Structural Model 在印度尼西亚提出蓝色伊斯兰债券:一个解释结构模型

Shirkah Journal of Economics and Business Pub Date : 2021-04-15 DOI: 10.22515/SHIRKAH.V6I1.333

A. Rusydiana, M. I. Irfany

引用次数: 6

The Debt Status of Commercial Company under Gharimin Perspective 格里敏视角下的商业公司债务状况

Shirkah Journal of Economics and Business Pub Date : 2021-04-06 DOI: 10.22515/SHIRKAH.V6I1.388

E. Hardi, Sirajul Arifin, Burhan Djamaluddin

引用次数: 1

The Contribution of Profit-sharing Characteristics to the Performance of Islamic Banks 利润分享特征对伊斯兰银行业绩的贡献

Shirkah Journal of Economics and Business Pub Date : 2021-04-04 DOI: 10.22515/SHIRKAH.V6I1.378

S. M. Hanafi

{"title":"The Contribution of Profit-sharing Characteristics to the Performance of Islamic Banks","authors":"S. M. Hanafi","doi":"10.22515/SHIRKAH.V6I1.378","DOIUrl":"https://doi.org/10.22515/SHIRKAH.V6I1.378","url":null,"abstract":"Islamic commercial banks are highly identic with the profit-sharing as a sharia banking basic operational system. The profit-sharing becomes a specific characteristic of sharia banks as well as a distinction from conventional banks. Hence, this study aims to examine if the profit-sharing characteristic contributes to the performances of Islamic commercial banks in Indonesia. This study employed time series data derived from the Financial Service Authority (OJK) using regression-mixed test and auto-regressive heteroscedasticity (ARCH). The results pointed out that the profit-sharing system for the lending of Musharaka had an impact on the performance of sharia banks; while the profit-sharing for the funding of Mudaraba did not support the hypothesis with negative coefficient. The results suggest that the profit-sharing characteristic provides contribution to the performance of Islamic commercial banks through the lending of Musharaka. These results further indicate that the profit-sharing characteristic performed by Islamic commercial banks is proven to be effective in improving their performances. This study’s results have an implication for Islamic commercial banks to strengthen their profit-sharing characteristics and improve the public trust toward sharia banking system.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"8 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-04-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74796410","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

Oman’s Islamic Banking Performance amidst Covid-19 Outbreak: Prospects and Challenges 2019冠状病毒病爆发期间阿曼伊斯兰银行业的表现:前景与挑战

Shirkah Journal of Economics and Business Pub Date : 2021-04-03 DOI: 10.22515/SHIRKAH.V6I1.374

M. Mihajat

{"title":"Oman’s Islamic Banking Performance amidst Covid-19 Outbreak: Prospects and Challenges","authors":"M. Mihajat","doi":"10.22515/SHIRKAH.V6I1.374","DOIUrl":"https://doi.org/10.22515/SHIRKAH.V6I1.374","url":null,"abstract":"Covid-19 pandemic forced Islamic banking in Oman to slow down and to change strategies adapting to the current situation. The Covid-19 outbreak has raised various challenges for Islamic banking. In order to maintain the sustainable growth of the industry, stakeholders of Islamic banking should strive collectively to solve these challenges. Nevertheless, Islamic banking was able to maintain and manage capital and liquidity buffers. The growth for 2021 is expected to remain stable for at least a single-digit growth. However, there would be asset-quality and profitability pressure for Islamic banks within the Sultanate of Oman. This paper highlights the performance of Islamic banking in Oman amid the Covid-19 outbreak. This paper demonstrates that the industry merely recorded a single-digit growth compared to the last seven years at double-digit growth due to the pandemic. The paper further delineates on the prospects and challenges of Islamic Banks Entities (IBEs). It also suggests some practical solutions for survival. This paper contributes to providing an alluded picture of the current conditions and situation of Islamic banks in Oman as well as insights to deal with the challenges to enhancing the banking performances during the Covid-19 outbreak. ","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"47 11 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80611492","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: 8

Revisiting the Contribution of Islamic Banks’ Financing to Economic Growth: The Indonesian Experience 重新审视伊斯兰银行融资对经济增长的贡献:印尼的经验

Shirkah Journal of Economics and Business Pub Date : 2021-03-27 DOI: 10.22515/SHIRKAH.V6I1.383

Indri Supriani, Bayu Arie Fianto, Najim Nur Fauziah, Ryan Rahmah Maulayati

{"title":"Revisiting the Contribution of Islamic Banks’ Financing to Economic Growth: The Indonesian Experience","authors":"Indri Supriani, Bayu Arie Fianto, Najim Nur Fauziah, Ryan Rahmah Maulayati","doi":"10.22515/SHIRKAH.V6I1.383","DOIUrl":"https://doi.org/10.22515/SHIRKAH.V6I1.383","url":null,"abstract":"The contribution of Islamic banking towards economic growth remains debatable amongst academicians and practitioners. This study investigates the relationship between Islamic banks’ financing and economic growth in Indonesia which is the largest Muslim population country. This study adopts Autoregressive-Distributed Lag (ARDL) and utilizes time-series quarterly data from 2011Q1 to 2019Q3. The study uses four predictors: financing to deposit ratio; inflation; gross capital fixed formation; and trade openness. The results from the auto-regressive distributed lag model indicate that, in the long-run, Islamic banks' financing has a significant impact on the Indonesian economy. However, in the short-run, financing does not make a substantial contribution to Indonesian economic growth. The study’s key implication is that financing by Islamic banks still makes a limited contribution to economic growth in Indonesia. This study enhances the literature review, specifically on evaluating the contribution of Islamic banks towards economic growth. Numerous existing studies on this topic covering the crisis period data, which might suffer from data bias. Therefore, this study addresses this topic, excluding the global financial crises period such as 1998, 2008, and 2020, to demonstrate Islamic banks' evident contribution to Indonesian economic growth.","PeriodicalId":31157,"journal":{"name":"Shirkah Journal of Economics and Business","volume":"27 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-03-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88528026","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: 12