Muqtasid Jurnal Ekonomi dan Perbankan Syariah最新文献

{"title":"Digital Platform, Financial Literacy and Motivation on Generation Z's Decision to Invest in Islamic Stocks: A Structural Equation Modelling Analysis","authors":"Any Tsalasatul Fitriyah, N. Rahmawati","doi":"10.18326/muqtasid.v13i2.112-126","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i2.112-126","url":null,"abstract":"This study aims to determine the relationship between the measurement and structural models of digital platform, financial literacy, motivation, and Generation Z's decision to invest in Islamic stocks. Furthermore, this study uses Structural Equation Modeling (SEM) analysis and involves more than two variables, with 123 respondents from West Nusa Tenggara, Indonesia, who actively invest in Islamic stocks, providing accurate information through multivariate analysis. The study found that digital platforms and motivation have a significant impact on Generation Z's decision to invest in Islamic stocks, while financial literacy has an insignificant effect. However, the analysis results indicated that financial literacy has indirectly motivated them to invest in these types of stocks through motivation. This suggests that digital platforms and motivation play a crucial role in investment decisions. Therefore, service providers need to continuously develop digital applications as transaction tools to cater to the needs of Generation Z. Additionally, improving financial literacy is crucial to increasing people's investment skills, even though it may not directly affect investment decisions.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48517849","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":"What are the Determinants Affecting the Financing Risk in Indonesian Sharia Rural Banks?","authors":"S. Suhel, Abdul Bashir, I. Asngari, Ichsan Hamidi","doi":"10.18326/muqtasid.v13i2.143-159","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i2.143-159","url":null,"abstract":"Rapid and dynamic changes in the financial and economic systems are posing various risks and instabilities to Islamic banking institutions. Therefore, this study aims to investigate the impact of macroeconomic factors and bank abilities on financing risk in Indonesia. In this analysis, the 2005-2019 sharia banking statistics at 92 rural banks were emphasized in the country. A panel data regression was also employed with the fixed effect method during the experimental procedure. The results showed a negative and significant relationship between economic growth, FDR (financing to deposit ratio), and CAR (capital adequacy ratio) toward financing risk. Moreover, a positive and significant relationship was found between the benchmark loan rate on financing risk, although inflation had no significant effect. Economic growth was also a key factor influencing financing risk in the sharia rural banks sector. Based on these results, banking regulators were found to operate according to sharia principles, to selectively optimize and carefully monitor financial distribution and activities with high financing risk.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45224107","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":"Intention to Use Islamic Mobile Banking: Integration of Technology Acceptance Model and Theory of Planned Behavior with Trust","authors":"Joko Setyono","doi":"10.18326/muqtasid.v13i2.127-142","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i2.127-142","url":null,"abstract":"This study intended to examine the variables influencing the interest in mobile banking at three Islamic banks in Yogyakarta, namely BSI, Mualamat, and BCA Syariah. The quantitative method was employed, alongside the integration of the TAM and TPB approaches with trust. Sampling was conducted using the purposive method, with questionnaires as the data collection technique. A total of 118 Yogyakarta Islamic mobile banking customers and users constituted the respondents. The data were analyzed with Warp PLS 6.0 analysis tool using the Multivariate SEM-PLS method. Subsequently, the SEM-PLS analysis results showed a high level of interest in Islamic mobile banking by customers. Islamic mobile banking simplifies financial transactions and boosts efficiency and productivity. The results of this study are anticipated to increase the standard of mobile banking services and customer service.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41941956","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 Kemudahan dan Manfaat Mobile Banking Terhadap Kepuasan Mahasiswa Jurusan Perbankan Syari’ah UIN Sumatera Utara","authors":"Jelita Handayani Rambe, Kiki Andrea Putri Hasibuan","doi":"10.53491/elmudhorib.v3i1.437","DOIUrl":"https://doi.org/10.53491/elmudhorib.v3i1.437","url":null,"abstract":"Mobile banking services provided by Islamic banks offer various conveniences to satisfy some people with ease of transaction. This study aims to determine partially and simultaneously the convenience and benefits of mobile banking and the influence of the most dominant variables on student satisfaction studying Islamic banking at UIN North Sumatra. This research uses quantitative techniques and literature study. The survey sample consisted of 100 respondents who were undergraduate students at UIN North Sumatra and undergraduate students in Islamic banking who used mobile banking. This data collection model uses a survey. The results showed that (a) the \"convenience\" and \"benefit\" variables partially had a positive and significant effect on student satisfaction when using mobile banking, and (b) the \"convenience\" and \"service\" and \"benefit\" variables. This also affects student satisfaction with the use of mobile banking. (C) The variable \"Convenience\" is the most dominant variable affecting customer satisfaction with the use of mobile banking.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"2 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79093316","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 HARGA DAN PROMOSI TERHADAP MINAT BELI KONSUMEN PADA MARKET PLACE SHOPEE","authors":"Marwati Setiawan, M. Wahib, A. Amris, Abdul Karman","doi":"10.53491/elmudhorib.v3i1.439","DOIUrl":"https://doi.org/10.53491/elmudhorib.v3i1.439","url":null,"abstract":"The Effect of Price and Promotion on Consumer Purchase Interest at Shopee Marketplace (a Case Study on Students of IAIN Fattahul Muluk Papua) is the result of quantitative research which aims to answer the question about the effect of price and promotion on consumer purchase interest at shopee marketplace among students of IAIN Fattahul Muluk Papua. The research method used was quantitative research. The population in this research were students of IAIN Fattahul Muluk Papua academic year 2016 until 2019. The technique of sample selection was simple random sampling and obtained 89 respondents. The data collection technique used a questionnaire. The data analysis technique used multiple linear regression. Data analysis test used SPSS 16.0 application. The research results show that price partially influences consumer purchase interest at shopee marketplace. This is proven by the value of t count in the amount of 2.940 and significance 0.004. Promotion partially influences consumer purchase interest at shopee marketplace. This is proven by t count value 2.846 and the significance 0.006. While based on the result of the simultaneous test of statistic calculation, it can be concluded that price and promotion simultaneously influence consumer purchase interest at shopee marketplace. This is proven by the value of F count 22.736 and significance value 0.000 and determination coefficient 0.346 which means that consumer purchase interest can be explained by price and promotion variables in the amount of 34,6% while the rest is explained by other variables that were not investigated in this research.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"90 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89970883","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":"Penerapan Prinsip Kehatian Hatian ( Prudential Banking Principle ) Dalam Akad Pembiayaan Pada Perbankan Syariah Dalam Tinjauan Sadd Dzari’ah","authors":"Imam Kamaluddin, Alfiansyah Topandi Harahap, Mulyono Jamal","doi":"10.51311/istikhlaf.v4i1.446","DOIUrl":"https://doi.org/10.51311/istikhlaf.v4i1.446","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui penerapan prinsip kehati hatian (prudential banking principle) yang terdapat di dalam hukum perbankan di Indonesia yang ditinjau dalam sadd dzari’ah. Di dalam Undang Undang Nomor 10 tahun 1998 tentang perbankan mewajibkan seluruh lembaga perbankan untuk menerapkan prinsip kehati-hatian dalam seluruh fasilitasnya baik dalam pemberian pembiayaan dan dalam aspek internal perbankan. Dalam perbankan syariah pemberian akad pembiayaan sangat diminati oleh masyarakat, namun, sejatinya akad pembiayaan sangat rentan akan risiko yang terjadi baik akan risiko eksternal maupun internal. Penelitian ini merupakan penelitian kualitatif dengan menggunakan studi kepustakaan ( library research) dengan menghasilkan suatu kesimpulan bahwasanya penerapan prinsip kehati- hatian pada sektor perbankan bertujuan untuk menjaga tingkat kesehatan bank, dengan begitu maka kondisi bank akan selalu sehat, liquid dan solvent. Karna menjaga kepercayaan masyarakat merupakan suatu keharusan yang wajib dilaksanakan oleh perbankan. Dikarenakan Sektor perbankan merupakan suatu bisnis yang menjanjikan suatu keuntungan yang besar dan penuh resiko, dibutuhkan suatu model pengelolaan yang baik dan prudent dalam setiap aktivitasnya khususnya dalam pembiayaan yang membutuhkan dana yang besar  yang berasal dari tabungan maupun deposito, yang rawan akan perilaku menyimpang ( moral hazard) dan adverse selection. Oleh karena itu penerapan prinsip prudential banking principle dengan dimaksudkan untuk mencegah segala sesuatu jalan menuju kerusakan adalah sesuai dengan hukum islam dan dalam kajian ushul fiqh yaitu sadd dzari’ah.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"630 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78979291","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":"Capital Access For Micro Small Medium Enterprises","authors":"Evi Christine Tambunan, Kamaludin Enuh, Ubaidullah Ubaidullah, Mariati Tamba","doi":"10.46899/jeps.v10i2.375","DOIUrl":"https://doi.org/10.46899/jeps.v10i2.375","url":null,"abstract":"Along with the development, various factors are needed including in terms of capital which must be continuously fulfilled to continue distribution activities from producers to consumers. Ease of access to capital for MSMEs includes the ease of requirements in applying for formal financing so that business people do not choose personal or non-formal loans which can be said to have less stable capital availability. These easy requirements, even accompanied by light financing services, greatly encourage business people to develop their businesses so that they continue to receive circular financing. The research uses literature research. The data collection method used is the documentation method. The data analysis emphasis on disclosing the content (essence) aspects of several existing propositions. Furthermore, this method is the nature of the review of various theories and analyses. The results of his research SME usually use business capital from personal pockets or joint capital with partners at the beginning of establishing a business. MSMEs are important because compared to large companies, external sources of MSME financing are limited in terms of supply and demand. Business capital can also be interpreted from various aspects, namely capital for the first time to open a business, capital to expand the business, and capital to run daily businesses obtained from the investment model and working capital. MSME constraints on bank credit can be viewed from the demand and supply side. Efforts are being taken to increase the use of credit facilities from banking institutions by micro, small and medium enterprises by increasing access to banking to obtain credit facilities for MSMEs, strengthening MSMEs in financial, managerial, partnership, and entrepreneurial capabilities.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"42 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88748595","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 Influence of Online Food Delivery Services and Prices on Increasing Turn of Sales on Culinary Business: Case Study on Go-Food","authors":"Muhammad Reynaldi, M. Kamal","doi":"10.46899/jeps.v10i2.358","DOIUrl":"https://doi.org/10.46899/jeps.v10i2.358","url":null,"abstract":"This study aims to examine the effect of online food delivery services and prices on increasing sales turnover of culinary businesses in Kemang District, Bogor Regency. This research is a quantitative study with a population of Go-jek partner culinary businesses in Kemang District, Bogor Regency. The sampling technique in this study used a purposive sampling technique . The number of samples is 100 culinary entrepreneurs who partner with Gofood in Kemang District, Bogor Regency. The research data were analyzed using PLS-SEM (Patial Least Square – Structural Equation Modeling) with SmartPLS software. The results of this study indicate that online food delivery services and prices have a significant effect on increasing sales turnover of culinary businesses in Kemang District, Bogor Regency. So it can be concluded that culinary business people in Kemang District, Bogor Regency need to pay attention to online food delivery services and prices as factors that result in an increase in sales turnover.  ABSTRAKPenelitian ini bertujuan untuk meneliti pengaruh layanan online food delivery dan harga terhadap peningkatan omzet penjualan bisnis kuliner di Kecamatan Kemang Kabupaten Bogor. Penelitian ini merupakan penelitian kuantitatif dengan populasi bisnis kuliner mitra Go-jek di Kecamatan Kemang Kabupaten Bogor. Teknik pengambilan sampel pada penelitian ini menggunakan teknik purposive sampling. Jumlah sampel sebanyak 100 pengusaha kuliner yang bermitra dengan Gofood di Kecamatan Kemang Kabupaten Bogor. Data penelitian dianalisis menggunakan PLS-SEM (Patial Least Square – Structural Equation Modeling) dengan perangkat lunak SmartPLS. Hasil penelitian ini menunjukan bahwa layanan online food delivery dan harga memiliki pengaruh yang positif dan signifikan terhadap Peningkatan Omzet penjualan bisnis kuliner di Kecamatan Kemang Kabupaten Bogor. Maka dapat disimpulkan bahwa pelaku bisnis kuliner di Kecamatan Kemang Kabupaten Bogor perlu memperhatikan layanan online food delivery dan harga sebagai faktor yang mengakibatkan peningkatan omzet penjualan. Kata kunci: Go-food, Harga, Layanan Online Food Delivery, Omzet Penjualan Bisnis.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90998783","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":"Analysis of factors affecting Micro Small and Medium Enterprises using the marketplace in the New Normal","authors":"Najla Najmatul Fadhilah, A. Fitri","doi":"10.46899/jeps.v10i2.369","DOIUrl":"https://doi.org/10.46899/jeps.v10i2.369","url":null,"abstract":"This study aims to analyze the factors that influence the use of the marketplace by MSMEs in Tangerang City in facing the new normal seen from (1) knowledge (2) Trust (3) Motivation (4) Technology. The object of this research is the people of Tangerang City, while the sample of this research is MSME actors. The data used are primary data obtained from survey results by distributing questionnaires to 100 respondents in Tangerang City. The data analysis technique used in this study used the binary logistic regression method with a significance level of 5%. The results of this study show simultaneously knowledge, belief, motivation, and technology. Has an influence on the use of matketplace by MSMEs in Tangerang City. Meanwhile, partially only knowledge (0.001) and belief (0.009) have a significant effect. Other variables, motivation (0.128) and technology (0.369) did not significantly influence the use of the marketplace by MSMEs in the city of Tangerang in facing the new normal era. Binary Logistic Regression, Marketplace, MSMEs, Utilization","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"84 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83854137","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":"Practice of Buying and Selling Services Using the Instagram Application","authors":"Annisa Hafizhah, F. Firmansyah, Addys Aldizar","doi":"10.46899/jeps.v10i2.366","DOIUrl":"https://doi.org/10.46899/jeps.v10i2.366","url":null,"abstract":"This study aims to review fiqh on the practice of buying and selling transactions using deposit services on the Instagram application according to contemporary scholars, namely Erwandi Tarmizi, and Oni Sahroni This research uses the descriptive analysis method. Collecting data through interviews and literature study. The results of this study indicate that buying and selling transactions using deposit services on the Instagram application are viewed from the view of contemporary cleric Dr. Erwandi Tarmizi, MA, and Dr. Oni Sahroni, MA is allowed if the custodian pays first and then delivers the goods later.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"4 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87562166","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}