Ihtifaz最新文献

{"title":"Kebijakan Spin-off dan Efisiensi Perbankan Syariah di Indonesia","authors":"Zulfikar Bagus Pambuko","doi":"10.12928/IJIEFB.V2I1.822","DOIUrl":"https://doi.org/10.12928/IJIEFB.V2I1.822","url":null,"abstract":"The study aims to analyse the spin-off policies’ impact on the Islamic banks’ efficiency in Indonesia. The study was conducted on five spin-off Islamic banks and efficiency were measured by the BOPO ratio. The research variables used were dummy spin-off, ROA, FDR, and economic growth. Data analysis used panel data regression on annual data from 2008 to 2018. The results suggest that, first, the implementation of spin-off policy significantly increased the operational efficiency of Islamic banking. Second, ROA also has a negative effect on efficiency. Third, FDR and economic growth have no significant effect on the Islamic banks’ efficiency in Indonesia.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43452291","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}

{"title":"The Role of Islamic Microfinance For Poverty Alleviation in Bandung, Indonesia","authors":"Irawan Febianto, F. Johari","doi":"10.12928/IJIEFB.V2I1.736","DOIUrl":"https://doi.org/10.12928/IJIEFB.V2I1.736","url":null,"abstract":"The emergence of Islamic micro financial institution becomes the alternative solution for the micro-entrepreneurs who need working capital assistance. However, the impact of Islamic microfinance institution in reducing poverty level is somewhat still debatable. In Indonesia, Islamic microfinance established through the presence of Baitul Mal wa Tamwil (BMT), the most popular type of Islamic microfinance institutions. BMT providing financing for the micro-entrepreneurs, as their potential clients, that operates their activities mostly at the traditional markets. The purpose of this study is to measure the impact of BMT for poverty alleviation in Bandung as the capital city of West Java as the biggest population province in Indonesia, not only based on material level but also on spiritual level. This study is looking at income variables of micro-entrepreneur’s household, as well as the spiritual level indicator of micro-entrepreneur before and after they received financing from BMT. The primary data obtained through in-depth questionnaires in Bandung, Indonesia.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44819359","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}

{"title":"Sistem Integrasi Proteksi & Manajemen Resiko Platform Fintech peer to peer (P2P) Lending dan Payment Gateway untuk Meningkatkan Akslerasi Pertumbuhan UMKM 3.0","authors":"Yulianti Manan","doi":"10.12928/IJIEFB.V2I1.847","DOIUrl":"https://doi.org/10.12928/IJIEFB.V2I1.847","url":null,"abstract":"The MSMEs (Micro, Small and Medium Enterprises) mentioned by the government as the backbone of the Indonesian economy are also still many that have not been touched by financial services or are unbankable. Currently in line with the development of information technology in financial services, the Fintech P2P lending ecosystem and payment gateways are growing rapidly and become one of the cash less payment options, an alternative option for new types of financing due to multi-advantages; fast, collateral-free and technology-based process which is a culture of supporting MSME generation to 3.0. The Fintech P2P Lending and Payment gateway business that is oriented towards IT Base financial reporting still requires a risk management and governance system to reduce and minimize the risk of fraud, bankruptcy, default and other risks. The purpose of this research is to analyze and study innovative solutions to the Fintech business model platform related to protection system management by establishing a central and strategic role between the regulator and Fintech providers. This research uses descriptive research design by using GAP Analysis to research and develop and collaborate on innovation, especially in Fintech business operating systems.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46980400","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}

{"title":"Pengaruh Attitude, Sertifikasi Halal, Promosi dan Brand terhadap Purchase Intention di Restoran Bersertifikasi Halal","authors":"Diah Ayu Legowati, Farah Nisa Ul Albab","doi":"10.12928/IJIEFB.V2I1.787","DOIUrl":"https://doi.org/10.12928/IJIEFB.V2I1.787","url":null,"abstract":"Research related to the purchase intention of halal products has been the concern of many researchers in recent years. This study aimed to determine the relationships between attitude, halal certification, promotion, and brand related to the intention of purchasing at the halal-certified restaurant. The data were collected through a self-administered questionnaire survey consisting of 132 consumers. We found that the attitude, halal certification, and brand were significantly influential towards the purchase intention at the halal-certified restaurant, whereas a promotion was not significantly influential","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47795176","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}

{"title":"Redefining Consumer Utility in the Perspective of Islamic Economics Framework","authors":"Zein Muttaqin, Martini Dwi Pusparini","doi":"10.12928/IJIEFB.V2I1.717","DOIUrl":"https://doi.org/10.12928/IJIEFB.V2I1.717","url":null,"abstract":" An interest of individual preferences which can be represented in numerical ways known as the utility. While others stated it as a matter of subjective feeling that being felt in order to pursue and to maximize the certain level of satisfaction and personal well-being. According to neoclassical theory, this happened due to the contraction consumer preferences between things/products/services that available in the market. Furthermore, the ultimate ends that have been proposed are that the industry/market is spiritually neutral. On the other hand, some of Muslim scholars argue that spiritual or religious values are what defines an individual as a human, while all conducted of consumption is abide by ethics and religious values, which will not forsake others for personal gains. The integration of religious aspect in pursuing of maximization of utility is known as maslahah (i.e. well-being). A further discussion that arises is in Islamic economics framework, does individual orients solely to maximize their utility, even in the sense of maslahah is considered. Neoclassical claims that to interpret the utility, there are two headings is considered, they are prediction approach and prescription approach. The debate on neoclassical and Islamic economics perspectives might contradict one to another, but none of it is at absolute truth, the theory itself is still developing due to different assumptions and circumstances that present at that time. Furthermore, the revisiting theory of maqasidh al-sharia (i.e. the objective of Islamic Laws) also provides a different point of view regarding the debatable utility between neoclassical and Islamic economics. In pursuance of better understanding of utility, this article aims to redefine the consumer utility in Islamic economics framework. It can be concluded that the definition of utility under Islamic perspective as the act to seek self-actualization of benefit which collide to the benefit of others in pursuing of enhancement of dual dimensions objectives of present and hereafter. A strong point that being found that in order to maximize the utility/maslahah must consider the possibility of misleading the genuine motive of utility, which is not adjusting it under social pressures. The misleading act of such is categorized as the act of falsification of preferences.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43217326","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}

{"title":"Pengaruh Program Loyalitas terhadap Kesetiaan Konsumen pada Industri Halal di Yogyakarta","authors":"Mufti Alam Adha, Rofiul Wahyudi, Faiza Husnayeni Nahar","doi":"10.12928/IJIEFB.V1I1.287","DOIUrl":"https://doi.org/10.12928/IJIEFB.V1I1.287","url":null,"abstract":"This study aims to examine the effect of perceived benefits of loyalty programs, which include: financial benefits, social benefits, hedonic benefits, symbolic benefits of loyalty programs in the Halal Industry. This study also examined the effect of loyalty programs on brand loyalty. This research was conducted using a quantitative approach, namely by conducting surveys, online with a sample of 200 respondents. The data in this study were processed using the Structural Equation Modeling (SEM) analysis version 21. The results showed that the financial benefit variables, social benefits, symbolic benefits had a significant positive effect on loyalty programs. While the hedonic variable on loyalty programs shows a negative relationship. This study also confirms the significant positive effect of the loyalty program on brand loyalty.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47511801","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}

{"title":"The Role of Religiosity, Halal Awareness, Halal Certification, and Food Ingredients on Purchase Intention of Halal Food","authors":"Lu’liyatul Mutmainah","doi":"10.12928/IJIEFB.V1I1.284","DOIUrl":"https://doi.org/10.12928/IJIEFB.V1I1.284","url":null,"abstract":"Halal becomes the lifestyle of Muslim consumers in the world. As the Muslim population increasing, the awareness on consuming halal food also improving. This paper aims to examine the influence of religiosity, halal awareness, halal certification, and food ingredients on purchase intention of halal food among Indonesian Muslim consumers. Convenience sampling was used as the sampling method of this study. This research consisted of 205 respondents. The data are collected by questionnaire which are analyzed by multiple linear regression. The results of this study revealed that religiosity, halal awareness, halal certification and food ingredients have significantly positive effect on purchase intention of halal Food. This study indicates that consuming halal food is primary need for Muslim. Therefore, company should acquire halal certification in order to provide halal food for Muslim’s needs. This study contributed for the research literature, government, food manufacturers and marketers to develop strategies related with halal food.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66274886","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}

{"title":"Analisis Pengaruh CAR, NPF, FDR dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia","authors":"Misbahul Munir","doi":"10.12928/IJIEFB.V1I1.285","DOIUrl":"https://doi.org/10.12928/IJIEFB.V1I1.285","url":null,"abstract":"The increasing number of sharia financial institutions in Indonesia is accompanied by an increase in literature review regarding sharia financial institutions. Renewal of studies related to the development of Islamic finance in Indonesia is important to continue. This study aims to examine the factors that affect the level of profitability of Islamic banking in Indonesia in the latest conditions and the latest data. The approach used is quantitative descriptive. Based on the F test, the f-statistic value obtained was 0.000085 below 0.05 (five percent). In other words, the independent variables including CAR, NPF, FDR, and inflation simultaneously have a significant effect on the dependent variable ROA. Whereas in a formal manner, based on the t-test, the NPF variable has a positive and significant effect on ROA. While the CAR, FDR and inflation variables have no effect on ROA.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46588475","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}

{"title":"Deteksi Kebangkrutan pada Industri Asuransi Syariah di Indonesia","authors":"Fayakhun Bakhtiar, Misbahul Munir, Ahsan Al Qasas","doi":"10.12928/IJIEFB.V1I1.286","DOIUrl":"https://doi.org/10.12928/IJIEFB.V1I1.286","url":null,"abstract":"This study aims to predict the potential bankruptcy of a sharia insurance company. The analysis model used is the modified Altman Z-score analysis model. The Altman Z-score measurement model will be represented by the ratio of the network model to total assets, retained earnings to total assets, earnings before interest to total assets and capital book value to the book value of debt. The results showed that in 2011-2017 5 sharia insurance companies were in a safe zone (not bankrupt), there was only one sharia insurance company in the gray zone.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48229649","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}

{"title":"Analisis Faktor-Faktor Preferensi Mahasiswa terhadap Perbankan Syariah","authors":"A. Fathurrahman, Umi Azizah","doi":"10.12928/ijiefb.v1i1.273","DOIUrl":"https://doi.org/10.12928/ijiefb.v1i1.273","url":null,"abstract":"This research proposed to determine the factors of customer preferences in Islamic or Sharia banking. The research sampling which being use is the students of Economic studies mainly in 5th semester and 7th semester. The research designed in quantitative research by collecting data using questionnaires. Analysis technique using doubled linear regression. The result indicates that (1) Religion or beliefs have positive effect towards the rate of Economic Studies students preferences in Muhammadiyah Yogyakarta University towards Sharia Banking; (2) Costs factor has adverse effect but further insignificant towards the level of Economic Studies students preferences in Muhammadiyah Yogyakarta University towards Sharia Banking; (3) Benefits factor has positive effect yet negligible to the level of Economic Studies students preferences in Muhammadiyah Yogyakarta University towards Sharia Banking; (4) Facilities factor carry out positive impact towards the rate of Economic Studies students preferences in Muhammadiyah Yogyakarta University towards Sharia Banking; (5) Knowledge factor positively affected towards the rate of Economic Studies students preferences in Muhammadiyah Yogyakarta University towards Sharia Banking.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-11-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46123875","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}