Journal of Sharia Economics最新文献

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EVALUATING NPF OF MURABAHA SETTLEMENT STRATEGY: PERSPECTIVE OF RISK MANAGEMENT AND DSN MUI'S FATWA 评估穆拉巴哈(Murabaha)结算战略的国家保护基金:风险管理的视角和梅伊神甫的教令
Journal of Sharia Economics Pub Date : 2023-11-15 DOI: 10.22373/jose.v4i2.3311
Rika Mulia, Said Rafli Ridha, Fithriady
{"title":"EVALUATING NPF OF MURABAHA SETTLEMENT STRATEGY: PERSPECTIVE OF RISK MANAGEMENT AND DSN MUI'S FATWA","authors":"Rika Mulia, Said Rafli Ridha, Fithriady","doi":"10.22373/jose.v4i2.3311","DOIUrl":"https://doi.org/10.22373/jose.v4i2.3311","url":null,"abstract":"Non-Performing Financing (NPF) is one of the indicators in evaluating bank performance. Financing products with murabaha contracts are one of the products that dominate the Islamic banking industry where the percentage of its NPF will also affect profits. This study examines the strategy implemented by one of the Bank Syariah Indonesia (BSI) Area Office in Aceh Province towards Murabaha NPF from two perspectives, risk management and Fatwa DSN-MUI using a descriptive approach. The results conclude that in handling NPF, banks begin with negotiation/mediation approach, then gradually rescheduling, restructuring, reconditioning, execution of collateral/auctions and litigation. Those steps are in accordance with risk management concept in terms of preventing NPF and consistent with Fatwa DSN-MUI in terms of NPF settlement. However, among the obstacles are bad character debtors so that the settlement process will take a long period of time and keep being suspended. This is certainly a significant viewpoint for banks that educating and socializing the management of financing must be explained from the beginning and ensure that debtors understand all related applicable bank regulations. Keywords: Murabaha Financing, Non-Performing Financing, Risk Management, Fatwa DSN-MUI, Islamic Banks","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"5 7","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139271217","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
POTENSI PENGEMBANGAN ASURANSI SYARIAH USAHA TANI PADI DI ACEH BESAR (PENDEKATAN ANALISIS SWOT) 亚齐围省水稻种植伊斯兰教法保险的潜在发展(SWOT 分析方法)
Journal of Sharia Economics Pub Date : 2023-11-15 DOI: 10.22373/jose.v4i2.3304
Seri Murni, Fithriady, Fira Ulmiana
{"title":"POTENSI PENGEMBANGAN ASURANSI SYARIAH USAHA TANI PADI DI ACEH BESAR (PENDEKATAN ANALISIS SWOT)","authors":"Seri Murni, Fithriady, Fira Ulmiana","doi":"10.22373/jose.v4i2.3304","DOIUrl":"https://doi.org/10.22373/jose.v4i2.3304","url":null,"abstract":"Rice Farming Business Insurance (AUTP) is social insurance implemented by the government to provide benefits to its people, where this insurance can help rice farmers who experience losses due to attacks by plant organisms, outbreaks of infectious diseases, and other disturbances that cause crop failure for farmers. In general, the concept of Sharia AUTP can be carried out following the existing AUTP, but it needs to be adjusted to the basic principles of Sharia insurance. This study aims to identify and analyze the Strengths and Opportunities as well as the Weaknesses and Threats of the development of Rice Farming Business Insurance in Aceh Besar. The method used is descriptive qualitative analysis, with data collection techniques through interviews and documentation. The results of the study show that the development of sharia insurance for rice farming is in quadrant III which illustrates that sharia insurance for rice farming has a huge opportunity to develop in Aceh Besar, but on the other hand, it also experiences some internal weaknesses. The strategy that can be utilized in the development of sharia insurance for rice farming is the WO strategy, namely 1) Increasing the socialization of sharia insurance for rice farming to the public to increase farmers' interest in insurance, 2) The government needs to make special regulations governing sharia insurance for rice farming.   Keywords: Sharia Insurance, Rice Farming Business Insurance, SWOT Analysis","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"4 3","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139274615","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
PENGARUH KUALITAS PELAYANAN DAN PEMAHAMAN PRODUK TERHADAP MINAT MENABUNG PADA BANK SYARIAH INDONESIA (STUDI PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UNIVERSITAS ISLAM NEGERI AR-RANIRY) 服务质量和对产品的了解对印度尼西亚伊斯兰银行储蓄兴趣的影响(对阿尔-拉尼里国立伊斯兰大学经济与伊斯兰商业系学生的研究)
Journal of Sharia Economics Pub Date : 2023-11-15 DOI: 10.22373/jose.v4i2.2670
Ismail Rasyid Ridla Tarigan, Fajri Rahmi, Israk Ahmadsyah
{"title":"PENGARUH KUALITAS PELAYANAN DAN PEMAHAMAN PRODUK TERHADAP MINAT MENABUNG PADA BANK SYARIAH INDONESIA (STUDI PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UNIVERSITAS ISLAM NEGERI AR-RANIRY)","authors":"Ismail Rasyid Ridla Tarigan, Fajri Rahmi, Israk Ahmadsyah","doi":"10.22373/jose.v4i2.2670","DOIUrl":"https://doi.org/10.22373/jose.v4i2.2670","url":null,"abstract":"Kualitas pelayanan merupakan salah satu unsur penilaian konsumen/nasabah terhadap perusahaan yang bergerak dalam bidang jasa. Pelayanan yang berkualitas dapat diwujudkan dengan sikap yang jujur, melayani dengan rendah hati dan tidak meremehkan konsumen, dalam pelayanan menggunakan pedoman Islam. Dari segi pemahaman produk mahasiswa FEBI UIN Ar-Raniry dengan latar belakang pendidikan yang sama mempunyai pemahaman yang sama mengenai Bank Syariah, faktanya pemahaman mahasiswa banyak yang mengetahui. Penelitian ini dilakukan pada mahasiswa FEBI UIN Ar-Raniry. Penelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan dan pemahaman produk terhadap minat menabung. Penelitian ini dilakukan dengan pendekatan kuantitatif, penyebaran kuesioner dilakukan terhadap 100 responden yang sebelumnya ditentukan dengan teknik purposive sampling. Dalam membuktikan dan menganalisis data, maka digunakan Uji validitas, reliabilitas, Uji asumsi klasik, uji regresi linear berganda serta uji F(simultan) dan uji T (Parsial). Hasil penelitian menunjukkan bahwa Variabel kualitas pelayanan dan pemahaman produk secara parsial berpengaruh dan signifikan terhadap minat menabung mahasiswa FEBI UIN Ar-Raniry pada Bank Syariah Indonesia karena memiliki nilai signifikan 0,000< 0,05. Penelitian ini dapat disimpulkan bahwa bahwa nilai R2 (R square) sebesar 0,703 yang berarti 70,3%. Hal ini menunjukkan bahwa minat menabung mahasiswa FEBI pada Bank Syariah Indonesia dapat dijelaskan oleh variabel kualitas pelayanan dan pemahaman produk .   Kata Kunci: Kualitas Pelayanan, Pemahaman Produk, Minat Menabung","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"10 3","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139272036","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
PERAN PESANTREN AL-MAWADDAH DALAM MENUMBUHKAN JIWA ENTREPRENEUR SANTRI MELALUI PRAKTIK BERWIRAUSAHA (STUDI KASUS PESANTREN AL-MAWADDAH HANGGOSOCO KUDUS) Pesantren al-Mawaddah 在通过创业实践培养学生创业精神方面的作用(Pesantren al-Mawaddah Hanggosoco Kudus 案例研究)
Journal of Sharia Economics Pub Date : 2023-11-15 DOI: 10.22373/jose.v4i2.2823
Nailil Fina, Riyan Andni
{"title":"PERAN PESANTREN AL-MAWADDAH DALAM MENUMBUHKAN JIWA ENTREPRENEUR SANTRI MELALUI PRAKTIK BERWIRAUSAHA (STUDI KASUS PESANTREN AL-MAWADDAH HANGGOSOCO KUDUS)","authors":"Nailil Fina, Riyan Andni","doi":"10.22373/jose.v4i2.2823","DOIUrl":"https://doi.org/10.22373/jose.v4i2.2823","url":null,"abstract":"Pondok pesantren menjadi salah satu institusi pendidikan yang berperan penting dan ikut andil dalam meningkatkan kualitas SDM. Pesantren dikenal lembaga yang hanya memberikan pengetahuan agama (mengaji) dan akhlaq, serta mencetak generasi alumni memiliki skill entrepreneurship yang baik. Al Mawaddah merupakan salah satu lembaga pesantren di Kudus yang sudah terealisasikannya program entrepreneur. Penelitian ini bertujuan untuk mengetetahui peran pesantren Al Mawaddah dalam menumbuhkan jiwa entrepreneur santri agar mencetak generasi alumni memiliki kemampuan kewirausahaan yang baik. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode penelitian lapangan. Data dikumpulkan melalui wawancara mendalam dan observasi dengan bukti dokumentasi serta diolah dengan tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa pondok pesantren mempunyai peranan yang penting dalam menumbuhkan jiwa kewirausahaan santri, dapat dilihat dari kemandirian secara financial yaitu tidak boleh menerima uang saku dari orangtuanya. Selain itu jumlah 100an alumni yang memiih berwirausaha dan dapat memperkerjakan orang lain. Dengan memperbanyak jenis program dan usaha di pesantren, santri  dapat meningkatkan skill dan menumbuhkembangkan jiwa wirausaha sesuai dengan kemampuan yang akan mereka asah. Dukungan dari berbagai pihak disini  diperlukan seperti pemerintah, masyarakat, kemampuan bakat tiap santri, orang terdekat, modal, terlebih kepada pesantren dalam memberikan motivasi agar semangat para santri tidak naik turun selama proses pembelajaran di pesantren. Oleh karena itu diharapkan para santri memiliki bekal ilmu wirausaha dan tidak buta akan peluang yang ada setelah keluar dari pesantren baik pada dunia kerja online ataupun offline, sekaligus dapat membuka lapangan pekerjaan bagi orang lain. Kata Kunci: Peran Pesantren, Jiwa Entrepreneur, Praktik Berwirausaha","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"44 11","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139273062","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
ANALYSIS OF COST AND REVENUE : EMPIRICAL STUDY OF BUSINESS UNIT WAKAF ANISA BAKERY 成本与收入分析:瓦卡夫-阿尼萨面包店业务单元的实证研究
Journal of Sharia Economics Pub Date : 2023-11-15 DOI: 10.22373/jose.v4i2.2941
Andi Triyawan, Ika Prastyaningsih, Nabila Dwi Syahreni
{"title":"ANALYSIS OF COST AND REVENUE : EMPIRICAL STUDY OF BUSINESS UNIT WAKAF ANISA BAKERY","authors":"Andi Triyawan, Ika Prastyaningsih, Nabila Dwi Syahreni","doi":"10.22373/jose.v4i2.2941","DOIUrl":"https://doi.org/10.22373/jose.v4i2.2941","url":null,"abstract":"The aim of this research was to examine the expenses and revenue of the Annisa Bakery Gontor Putri Campus 1 business division. A qualitative descriptive method was utilized, employing a case study approach at the Mantingan branch of the Annisa Bakery Business Unit located in Ngawi, East Java. Data was collected through financial records encompassing both costs and sales generated during a single production cycle. The findings of this study reveal that the average monthly revenue obtained by the Annisa Bakery business unit amounted to IDR 46,336,500, while the total expenses incurred by the business unit amounted to IDR 18,817,500. Moreover, the analysis indicates that the bread business conducted by the Annisa Bakery business unit is considered feasible, as the R/C ratio exceeds 1, with a value of 3.40.","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"43 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139273575","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
SOCIOLOGICAL STUDY OF THE DEVELOPMENT OF ISLAMIC BANKING WITHIN THE LEGAL SYSTEM IN INDONESIA 在印度尼西亚法律体系内发展伊斯兰银行业的社会学研究
Journal of Sharia Economics Pub Date : 2023-11-15 DOI: 10.22373/jose.v4i2.3413
Muhammad Kholili
{"title":"SOCIOLOGICAL STUDY OF THE DEVELOPMENT OF ISLAMIC BANKING WITHIN THE LEGAL SYSTEM IN INDONESIA","authors":"Muhammad Kholili","doi":"10.22373/jose.v4i2.3413","DOIUrl":"https://doi.org/10.22373/jose.v4i2.3413","url":null,"abstract":"The development of Islamic Financial Institutions (LKS), particularly Islamic banks, in Indonesia has seen significant growth, especially following the enactment of Law No. 21 of 2008 on Islamic Banking and Supreme Court Regulation (PERMA) No. 2 of 2008 on Shariah Economic Dispute Resolution. With the increasing number of institutions operating based on Shariah principles, various new issues related to Shariah compliance have arisen.Fatwas issued by the DSN-MUI hold legal authority in determining Shariah aspects in the economy, including banking. On the other hand, Shariah Economic Dispute Resolution (KHES) plays a role as a social control tool to manage practices not compliant with Islamic commercial law, especially in economics. This research, a descriptive qualitative study with a normative sociological approach, utilizes codified legal sources like KHES and DSN-MUI fatwas. The results suggest that, from a sociological perspective, KHES was developed as a response to the evolving landscape of Shariah economic practices requiring a legal framework. Stakeholders in Shariah economics and finance are expected to actively contribute to its improvement. DSN-MUI fatwas, in a social context, provide a solution for addressing non-compliant financial institutions, reconciling differences among scholars, and promoting Islamic principles in economics and finance.","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"28 6","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139270885","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 PREFERENCE OF MUSLIM HOUSEHOLDS IN CHOOSING HALAL FOOD AT PALU CITY 帕卢市穆斯林家庭选择清真食品的偏好
Journal of Sharia Economics Pub Date : 2023-11-15 DOI: 10.22373/jose.v4i2.3309
Syaakir Sofyan
{"title":"THE PREFERENCE OF MUSLIM HOUSEHOLDS IN CHOOSING HALAL FOOD AT PALU CITY","authors":"Syaakir Sofyan","doi":"10.22373/jose.v4i2.3309","DOIUrl":"https://doi.org/10.22373/jose.v4i2.3309","url":null,"abstract":"Halal food products circulating in Indonesia vary greatly in terms of variety, price, and quality. The choice of food products has a significant impact on health. This study aims to understand and analyze the factors that influence the preferences of Muslim housewives to choose halal food in Palu City. This type of research is field using quantitative descriptive method with simple random sampling with a sample size of 99 selected respondents. The research findings highlight the variables of religiosity, income, and education affect the preferences of Muslim housewives to choose halal food products, while age has no effect. The results of this study are religiosity, age, income, and education affect both partially and simultaneously on the preferences of Muslim housewives choosing food. The most dominant factor is education because education provides a basis for knowledge about food selection and provides an understanding of the implications for health so that education forms a frame of mind that makes health a major consideration in choosing food.","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"17 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139274547","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
PENGARUH BAURAN PEMASARAN ISLAM (4P) TERHADAP LOYALITAS KONSUMEN MANGROVE CORPORATION (UMMILOVELY) 伊斯兰营销组合(4P)对MANGROVE公司消费者忠诚的影响(UMMILOVELY)
Journal of Sharia Economics Pub Date : 2023-06-16 DOI: 10.22373/jose.v4i1.2517
Andi Triyawan, Ika Prastyaningsih, Marsela Pradhistya
{"title":"PENGARUH BAURAN PEMASARAN ISLAM (4P) TERHADAP LOYALITAS KONSUMEN MANGROVE CORPORATION (UMMILOVELY)","authors":"Andi Triyawan, Ika Prastyaningsih, Marsela Pradhistya","doi":"10.22373/jose.v4i1.2517","DOIUrl":"https://doi.org/10.22373/jose.v4i1.2517","url":null,"abstract":"Berdasarkan data PBS, ITB Indonesia mengalami fluktuasi yang disebabkan oleh beberapa faktor. Disamping itu, pemasaran konvensional tidak memiliki batasan atau pedoman dalam menjalani kegiatan perekonomian. Hal tersebut dapat menyebabkan banyak permasalahan. Dengan demikian integrasi bauran pemasaran yang Islami dapat menjadi alternatif dalam memecahkan permasalahan tersebut. Permasalahannya adalah bauran pemasaran islam hanya sekedar teoritis dan belum ada bukti empiris. Dengan demikian, penelitian ini bertujuan untuk menganalisis bauran pemasaran Islam terhadap loyalitas konsumen, dengan objek penelitian di Ummilovely. Penelitian ini menggunakan metode kuantitatif dengan PLS-SEM dengan varibel dependen (bauran pemasaran Islam 4p), dan variabel independen (kepuasan dan loyalitas). Dalam pengumpulan data peneliti menggunakan kuesioner sebagai data primer, dengan sempel sebanyak 60 responden. Dari hasil pengujian, didapat pemasaran Islam memiliki pengaruh yang postif terhadap loyalitas konsumen. Akan tetapi, hanya bauran tempat, dan kepuasan  yang memiliki relevansi secara segnifikan terhadap loyalitas konsumen. Dengan ini, peneliti berharap penelitian ini menjadi masukan bagi perusahaan untuk meningkatkan produk yang ada dengan memperbanyak variasi produk, dengan harga yang sesuai. Selain itu, dalam hal promosi disarankan kepada perusahaan untuk lebih gencar lagi dalam mempromosikan produk yang dihasilkan. \u0000  \u0000 ","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"8 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74301865","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
FAILURE HANDING STRATEGY FOR MICRO PEOPLE BUSINESS CREDIT (KUR) 微个人商业信贷失败处理策略(kur)
Journal of Sharia Economics Pub Date : 2023-06-16 DOI: 10.22373/jose.v4i1.2457
Arhami, Adzan Noor Bakri
{"title":"FAILURE HANDING STRATEGY FOR MICRO PEOPLE BUSINESS CREDIT (KUR)","authors":"Arhami, Adzan Noor Bakri","doi":"10.22373/jose.v4i1.2457","DOIUrl":"https://doi.org/10.22373/jose.v4i1.2457","url":null,"abstract":"The smooth operation of the loans released cannot be guaranteed since under certain circumstances, whether intentionally or inadvertently, the debtor breaks his word, making it difficult for Bank BRI Salobulo Kota Palopo to accept the return of the loans that have been given. This study aims to determine the strategy carried out by BRI Salobulo Unit in dealing with KUR Micro credit defaults and the causes and solutions for the handling strategy. The type of research used is qualitative research through interactive data analysis that produces descriptive data, in the form of a fact with the right interpretation to obtain a systematic, factual and accurate picture or painting of facts, characteristics, and the relationship between the phenomenon under study. The results showed that the default on Micro KUR Loans at the BRI Salobulo Bank, Palopo City occurred because the debtor was late in paying his credit bill when it was due. The strategy for handling default loans is adopted by Bank BRI Salobulo Unit through a risk mitigation strategy (preventive) by analyzing customer eligibility with the 5C principle. The rescue strategy (repressive) is carried out by restructuring credit, which is re-launched with the 3R technique (Rescheduling, Reconditioning, Restructuring). If the customer is not cooperative, then the handling is through a settlement strategy (aggressive) by litigation and by selling under the hands. After mapping the SWOT matrix, several strategies are appropriate, and the strategy focuses on the ST strategy. \u0000  \u0000 ","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"10 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87999658","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
DETERMINAN MINAT GENERASI MILENIAL PADA PENGGUNAAN SISTEM PEMBAYARAN E-WALLET LAYANAN SYARIAH LINKAJA
Journal of Sharia Economics Pub Date : 2023-06-16 DOI: 10.22373/jose.v4i1.2642
Putriya Ananda, Aminah Nuriyah
{"title":"DETERMINAN MINAT GENERASI MILENIAL PADA PENGGUNAAN SISTEM PEMBAYARAN E-WALLET LAYANAN SYARIAH LINKAJA","authors":"Putriya Ananda, Aminah Nuriyah","doi":"10.22373/jose.v4i1.2642","DOIUrl":"https://doi.org/10.22373/jose.v4i1.2642","url":null,"abstract":"Goal: This study aims to determine whether perceptions of usefulness, perceived convenience, perceptions of security, Islamic financial literacy simultaneously affect the interest in using the LinkAja Syariah Service e-wallet payment system. \u0000Method: In this study, researchers used a descriptive quantitative approach with sampling techniques, namely non-probability sampling by distributing questionnaires to 105 respondents in the Jabodetabek area. This research method is multiple linear regression analysis with an error rate of 5%. \u0000Fact/Findings: The results found in this study are (1) the perception of convenience does not affect the interest in using LinkAja Syariah Services. (2) the perception of usefulness has a positive and significant effect on interest in using LinkAja Syariah Services. (3) the perception of security does not affect the interest in using the LinkAja Syariah Service. (4) Islamic Financial Literacy has a positive and significant impact on interest in using LinkAja's Syariah Services. (5) Perception of convenience, perception of usefulness, perception of security and Islamic financial literacy simultaneously have a positive and significant effect on interest in using LinkAja Syariah Services \u0000  \u0000Keywords : Payment system, e-wallet, perceived ease of use, perceived ease of usefulness, perceived ease of security, Islamic financial literacy, intention to using \u0000  \u0000 ","PeriodicalId":34082,"journal":{"name":"Journal of Sharia Economics","volume":"4 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86066259","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
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