Pub Date : 2021-06-01DOI: 10.20885/ajim.vol3.iss1.art3
Rizaldi Yusfiarto
Purpose: This study generally aims to comprehensively examine the effect of mobile banking service quality on creating customer loyalty in Islamic banking. In particular, this research uses the E-S-Qual instrument to verify service quality in mobile banking and uses one mediation variable, namely e-customer satisfaction. Methodology: This study amounted to 273 Islamic banking customers. The total participants are divided into several categories such as; gender, occupation, domicile, and Islamic bank used. The data obtained were analyzed using the Structural Equation Modeling (SEM) approach. This study also uses a second-order perspective (reflective-reflective) SEM on the E-S-Qual variable (efficiency, fulfillment, system availability, and privacy), then the approach used refers to the repeated indicators. Findings: The higher mobile banking service quality has implications for customer loyalty, both attitude and behavior. It happens when the customer is satisfied with the quality of the system displayed. This satisfaction can be achieved if the dimensions of quality that are characteristic of the system can be presented by Islamic banking. Originality: This study underscores the dimensions of efficiency and system availability as keys to mobile banking service quality. Efficiency refers to how the ease, accessibility, and speed provided by the system can facilitate transactions and other functions. Furthermore, system availability refers to how the platforms function properly in relation to technical constraints that may arise, as well as attachment to functions that strengthen processes in the business of Islamic banking customers.
目的:本研究的总体目的是全面考察手机银行服务质量对伊斯兰银行客户忠诚度的影响。特别地，本研究使用e- s - quality工具来验证手机银行的服务质量，并使用了一个中介变量，即电子客户满意度。研究方法:这项研究涉及273名伊斯兰银行客户。总参与者分为几类，如;性别、职业、住所和使用的伊斯兰银行。采用结构方程建模(SEM)方法对所得数据进行分析。本研究还对e- s - quality变量(效率，履行，系统可用性和隐私)使用了二阶视角(反射-反射)SEM，然后使用的方法是指重复指标。研究发现:较高的手机银行服务质量对客户忠诚度有影响，包括态度和行为。当客户对所展示的系统质量感到满意时，就会出现这种情况。如果伊斯兰银行能够提供作为系统特征的质量方面，就可以实现这种满意。独创性:本研究强调了效率和系统可用性的维度是移动银行服务质量的关键。效率是指系统提供的便利性、可访问性和速度如何促进交易和其他功能。此外，系统可用性指的是平台如何在可能出现的技术限制下正常运行，以及与加强伊斯兰银行客户业务流程的功能的关联。
{"title":"The relationship between m-banking service quality and loyalty: evidence in Indonesian Islamic Banking","authors":"Rizaldi Yusfiarto","doi":"10.20885/ajim.vol3.iss1.art3","DOIUrl":"https://doi.org/10.20885/ajim.vol3.iss1.art3","url":null,"abstract":"Purpose: This study generally aims to comprehensively examine the effect of mobile banking service quality on creating customer loyalty in Islamic banking. In particular, this research uses the E-S-Qual instrument to verify service quality in mobile banking and uses one mediation variable, namely e-customer satisfaction. Methodology: This study amounted to 273 Islamic banking customers. The total participants are divided into several categories such as; gender, occupation, domicile, and Islamic bank used. The data obtained were analyzed using the Structural Equation Modeling (SEM) approach. This study also uses a second-order perspective (reflective-reflective) SEM on the E-S-Qual variable (efficiency, fulfillment, system availability, and privacy), then the approach used refers to the repeated indicators. Findings: The higher mobile banking service quality has implications for customer loyalty, both attitude and behavior. It happens when the customer is satisfied with the quality of the system displayed. This satisfaction can be achieved if the dimensions of quality that are characteristic of the system can be presented by Islamic banking. Originality: This study underscores the dimensions of efficiency and system availability as keys to mobile banking service quality. Efficiency refers to how the ease, accessibility, and speed provided by the system can facilitate transactions and other functions. Furthermore, system availability refers to how the platforms function properly in relation to technical constraints that may arise, as well as attachment to functions that strengthen processes in the business of Islamic banking customers.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115166894","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}
Pub Date : 2020-12-23DOI: 10.20885/AJIM.VOL2.ISS2.ART1
Monicha Divianjella, Istyakara Muslichah, Zafirah Hanoum Ahmad Ariff
Purpose: This study aims to examine the roles of religiosity and knowledge on attitude formation towards Halal cosmetic products. The attitude toward Halal cosmetic products will then be further investigated to determine whether it affects the intention to purchase Halal cosmetics in the domestic cosmetic industry in Indonesia. Methodology: This study utilized the purposive sampling method to collect the data. A total of 150 Indonesian Muslim consumers who have previously used Halal cosmetic products participated in this survey. Structural equation modeling was used to test the hypotheses in this study. Findings: The results showed that both religiosity and product knowledge significantly impact attitude towards using Halal cosmetics products. Interestingly, the findings revealed that product knowledge has a higher impact on attitude compared to religiosity. More importantly, attitude towards Halal cosmetics also showed a positive effect on the intention to use Halal cosmetics products. Originality: Previous research in the Malaysian context conducted by Abd Rahman et al. (2015) and Suki and Suki (2018) formed as the basis of this study. Although the same theme and hypotheses were incorporated, however, the current study was examined in a different market setting and on a different set of respondents (i.e., Indonesian Halal market).
目的:本研究旨在探讨宗教信仰和知识对清真化妆品态度形成的作用。然后将进一步调查对清真化妆品的态度，以确定它是否会影响印尼国内化妆品行业购买清真化妆品的意愿。方法:本研究采用目的抽样法收集资料。共有150名曾经使用过清真化妆品的印尼穆斯林消费者参与了这项调查。本研究采用结构方程模型对假设进行检验。研究发现:宗教信仰和产品知识对清真化妆品的使用态度有显著影响。有趣的是，研究结果显示，与宗教信仰相比，产品知识对态度的影响更大。更重要的是，对清真化妆品的态度也对清真化妆品的使用意向产生了积极的影响。原创性:Abd Rahman等人(2015)和Suki and Suki(2018)在马来西亚背景下进行的先前研究构成了本研究的基础。虽然纳入了相同的主题和假设，但是，目前的研究是在不同的市场环境和不同的调查对象(即印度尼西亚清真市场)中进行的。
{"title":"Do religiosity and knowledge affect the attitude and intention to use halal cosmetic products? evidence from Indonesia","authors":"Monicha Divianjella, Istyakara Muslichah, Zafirah Hanoum Ahmad Ariff","doi":"10.20885/AJIM.VOL2.ISS2.ART1","DOIUrl":"https://doi.org/10.20885/AJIM.VOL2.ISS2.ART1","url":null,"abstract":"Purpose: This study aims to examine the roles of religiosity and knowledge on attitude formation towards Halal cosmetic products. The attitude toward Halal cosmetic products will then be further investigated to determine whether it affects the intention to purchase Halal cosmetics in the domestic cosmetic industry in Indonesia. Methodology: This study utilized the purposive sampling method to collect the data. A total of 150 Indonesian Muslim consumers who have previously used Halal cosmetic products participated in this survey. Structural equation modeling was used to test the hypotheses in this study. Findings: The results showed that both religiosity and product knowledge significantly impact attitude towards using Halal cosmetics products. Interestingly, the findings revealed that product knowledge has a higher impact on attitude compared to religiosity. More importantly, attitude towards Halal cosmetics also showed a positive effect on the intention to use Halal cosmetics products. Originality: Previous research in the Malaysian context conducted by Abd Rahman et al. (2015) and Suki and Suki (2018) formed as the basis of this study. Although the same theme and hypotheses were incorporated, however, the current study was examined in a different market setting and on a different set of respondents (i.e., Indonesian Halal market).","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"68 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114997515","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}
Pub Date : 2020-06-01DOI: 10.20885/ajim.vol2.iss1.art4
Thoha Yahya
Purpose: In this study, efforts have been made to explore the relationship between macroeconomic variables and the Jakarta Islamic Index during the period 2015.1-2019.8. Methodology: the formulated model is a model to show the relationship. Long-term and short-term analysis using the classic assumption test and unit root test, co-integration test, and Granger causality test in the context of the ECM framework. For this purpose, macroeconomic variables are used as a measure of influence on the Jakarta Islamic Index Findings: The results showed. Based on the analysis that has been done through cointegration and ECM tests, there is a long-term relationship between inflation variables, BI interest rates, foreign exchange rates, and the money supply with JII in 2015.1-2019.8. There is a short-term relationship between inflation variables, BI interest rates, foreign exchange rates, and the money supply with JII in 2015.1-2019.8. Originality/contributions: This is the first study using JII in Indonesia which was registered at the Islamic University of Indonesia in 2015.1-2019.8
{"title":"The effect of macro variables on the Jakarta Islamic Index","authors":"Thoha Yahya","doi":"10.20885/ajim.vol2.iss1.art4","DOIUrl":"https://doi.org/10.20885/ajim.vol2.iss1.art4","url":null,"abstract":"Purpose: In this study, efforts have been made to explore the relationship between macroeconomic variables and the Jakarta Islamic Index during the period 2015.1-2019.8. Methodology: the formulated model is a model to show the relationship. Long-term and short-term analysis using the classic assumption test and unit root test, co-integration test, and Granger causality test in the context of the ECM framework. For this purpose, macroeconomic variables are used as a measure of influence on the Jakarta Islamic Index Findings: The results showed. Based on the analysis that has been done through cointegration and ECM tests, there is a long-term relationship between inflation variables, BI interest rates, foreign exchange rates, and the money supply with JII in 2015.1-2019.8. There is a short-term relationship between inflation variables, BI interest rates, foreign exchange rates, and the money supply with JII in 2015.1-2019.8. Originality/contributions: This is the first study using JII in Indonesia which was registered at the Islamic University of Indonesia in 2015.1-2019.8","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"60 4","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120983758","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}
Pub Date : 2020-06-01DOI: 10.20885/AJIM.VOL2.ISS2.ART6
Dita Putri Angraini, Sella Fitri Anindita
Purpose: The aim of this research is to identify the influence of microeconomic and macroeconomic variables toward non-performing financing of Islamic Commercial Banks in Indonesia. Design/Methodology/Approch: Microeconomic variables include CAR, FDR, OEOI, ROA, while macroeconomic variables include IPI, BI Rate, Inflation and SBIS for the period of 2015 to 2019. The data analysis method in this study is Auto-Regressive Distributed Lag (ARDL) using EViews 10 tool which can analyze the relationship between independent and dependent variables in the long-term and the short-term. Findings This study shows that CAR has a positive and insignificant effect on NPF. Furthermore, BOPO, ROA, BI Rate have a significant positive effect on NPF, but FDR, inflation and SBIS have a significant negative effect on NPF. In the long-term, CAR, IPI and SBIS have a negative and insignificant effect on NPF, but BI Rate has a positive and insignificant effect. Suggestion in this research is to solve better research, so further research should be carried out by including a longer period of time. Practical implications: Islamic Bank Directors need to pay attention to the movement of BOPO and ROA which tend to consistently have a positive effect on the NPF level. Originality/Value: This study presents the long-term and the short-term relationships of specific Islamic banking variables and macroeconomic variables on NPF in Indonesia.
目的:本研究的目的是确定微观经济和宏观经济变量对印尼伊斯兰商业银行不良融资的影响。设计/方法/方法:微观经济变量包括2015 - 2019年的CAR、FDR、OEOI、ROA，宏观经济变量包括IPI、BI Rate、通货膨胀和SBIS。本研究采用的数据分析方法是Auto-Regressive Distributed Lag (ARDL)，使用EViews 10工具，可以分析自变量和因变量在长期和短期内的关系。本研究显示CAR对NPF有显著的正向影响。BOPO、ROA、BI Rate对NPF有显著的正向影响，而FDR、通货膨胀和SBIS对NPF有显著的负向影响。从长期来看，CAR、IPI和SBIS对NPF的影响为负且不显著，而BI Rate对NPF的影响为正且不显著。本研究的建议是为了解决更好的研究，所以需要进一步的研究，包括更长的时间。实际影响:伊斯兰银行董事们需要注意业务收支和总资产收益率的变动，它们往往始终对NPF水平产生积极影响。原创性/价值:本研究提出了特定的伊斯兰银行变量和宏观经济变量对印尼NPF的长期和短期关系。
{"title":"The influence of financial performance and macroeconomic on financing risk in Islamic banks","authors":"Dita Putri Angraini, Sella Fitri Anindita","doi":"10.20885/AJIM.VOL2.ISS2.ART6","DOIUrl":"https://doi.org/10.20885/AJIM.VOL2.ISS2.ART6","url":null,"abstract":"Purpose: The aim of this research is to identify the influence of microeconomic and macroeconomic variables toward non-performing financing of Islamic Commercial Banks in Indonesia. Design/Methodology/Approch: Microeconomic variables include CAR, FDR, OEOI, ROA, while macroeconomic variables include IPI, BI Rate, Inflation and SBIS for the period of 2015 to 2019. The data analysis method in this study is Auto-Regressive Distributed Lag (ARDL) using EViews 10 tool which can analyze the relationship between independent and dependent variables in the long-term and the short-term. Findings This study shows that CAR has a positive and insignificant effect on NPF. Furthermore, BOPO, ROA, BI Rate have a significant positive effect on NPF, but FDR, inflation and SBIS have a significant negative effect on NPF. In the long-term, CAR, IPI and SBIS have a negative and insignificant effect on NPF, but BI Rate has a positive and insignificant effect. Suggestion in this research is to solve better research, so further research should be carried out by including a longer period of time. Practical implications: Islamic Bank Directors need to pay attention to the movement of BOPO and ROA which tend to consistently have a positive effect on the NPF level. Originality/Value: This study presents the long-term and the short-term relationships of specific Islamic banking variables and macroeconomic variables on NPF in Indonesia.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114455021","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}
Pub Date : 2020-06-01DOI: 10.20885/ajim.vol2.iss1.art3
Taufikur Rahman, Khusna Fatmawati
Purpose: This study aims to analyze the effect of financial performance on Non-Performing Financing of Sharia Rural Banks (BPRS) in the Special Region of Yogyakarta (DIY). This study provides an empirical contribution as research that adds evidence in the financial sector, especially banking risks related to the determinants of Non-Performing Financing of Sharia rural banks in DIY in 2015-2018. Methodology: Research data were obtained from quarterly financial reports at the Financial Services Authority for the period 2015 to 2018 with a research sample of 9 BPRS. Findings: The results of the findings show that return on assets (ROA) and operating income operating expenses (BOPO) which have a significant effect on non-performing financing. Meanwhile, return on equity, financing to deposit ratio, and capital adequacy ratio does not have a significant effect on the non-performing financing of BPRS in DIY. Originality/Value: To the author's knowledge, as the variations of the results among researchers exist, the findings of this research provides deeper insight into the literature of Non Performing Financing Bank regarding its financial ratio.
{"title":"The influence of financial ratios on non performing financing of the sharia rural banks of Special Region of Yogyakarta (BPRS DIY) period 2015 – 2018","authors":"Taufikur Rahman, Khusna Fatmawati","doi":"10.20885/ajim.vol2.iss1.art3","DOIUrl":"https://doi.org/10.20885/ajim.vol2.iss1.art3","url":null,"abstract":"Purpose: This study aims to analyze the effect of financial performance on Non-Performing Financing of Sharia Rural Banks (BPRS) in the Special Region of Yogyakarta (DIY). This study provides an empirical contribution as research that adds evidence in the financial sector, especially banking risks related to the determinants of Non-Performing Financing of Sharia rural banks in DIY in 2015-2018. Methodology: Research data were obtained from quarterly financial reports at the Financial Services Authority for the period 2015 to 2018 with a research sample of 9 BPRS. Findings: The results of the findings show that return on assets (ROA) and operating income operating expenses (BOPO) which have a significant effect on non-performing financing. Meanwhile, return on equity, financing to deposit ratio, and capital adequacy ratio does not have a significant effect on the non-performing financing of BPRS in DIY. Originality/Value: To the author's knowledge, as the variations of the results among researchers exist, the findings of this research provides deeper insight into the literature of Non Performing Financing Bank regarding its financial ratio.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"89 ","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120979498","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}
Pub Date : 2020-06-01DOI: 10.20885/ajim.vol2.iss1.art1
M. Wajdi, Hendy Mustiko Aji, Suwarsono Muhammad
Purpose: This research is conducted to understand the effect of E-WOM and brand image on purchase intention of halal cosmetics which are sold online through Instagram. Methodology: This research is quantitative research. The data used in this research is primary data which is collected using a questionnaire. The sampling technique is purposive sampling with 93 research samples. Findings: This research shows that the purchase intention of halal cosmetics through Instagram is simultaneously influenced by E-WOM and brand image. This finding support previous researches related to the effect of E-WOM and brand image on purchase intention. Originality/Value: This research is a replication-based model and is adapted from published research. The originality in this research is in the context of object and location. Various halal cosmetics that are being sold online through Instagram are the main focus to be researched on. This main focus has not been being researched beforehand.
{"title":"Factors affecting the intention to purchase halal cosmetics on Instagram: E-WOM and brand image","authors":"M. Wajdi, Hendy Mustiko Aji, Suwarsono Muhammad","doi":"10.20885/ajim.vol2.iss1.art1","DOIUrl":"https://doi.org/10.20885/ajim.vol2.iss1.art1","url":null,"abstract":"Purpose: This research is conducted to understand the effect of E-WOM and brand image on purchase intention of halal cosmetics which are sold online through Instagram. Methodology: This research is quantitative research. The data used in this research is primary data which is collected using a questionnaire. The sampling technique is purposive sampling with 93 research samples. Findings: This research shows that the purchase intention of halal cosmetics through Instagram is simultaneously influenced by E-WOM and brand image. This finding support previous researches related to the effect of E-WOM and brand image on purchase intention. Originality/Value: This research is a replication-based model and is adapted from published research. The originality in this research is in the context of object and location. Various halal cosmetics that are being sold online through Instagram are the main focus to be researched on. This main focus has not been being researched beforehand.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"63 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132766256","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}
Pub Date : 2020-06-01DOI: 10.20885/AJIM.VOL2.ISS1.ART6
S. Rahayu, Rosida Dwi Ayuningtyas, Maskudi Maskudi
Purpose: This study aims to examine the influences of religiosity, knowledge, and income toward the interest to open savings account in a sharia bank on students of Raudltut Thalibin Leteh boarding school in Rembang. Methodology: This study uses a survey with a sample of 100 students of Raudltut Thalibin Leteh boarding school in Rembang. Data analysis used in this study is SEM with AMOS software assistance. This research uses quantitative method. Data analysis used in this study is multiple linear regression analysis, classical assumption test, and t-test (Hypothesis Test). Findings: From the result of this research, it can be concluded that Knowledge (X2) and Income (X3) have an effect on interest to open saving account in sharia bank (Y). Meanwhile, trust (X1) has no effect on the interest to open saving account in sharia bank (Y). Originality: This study enriches the discussion in the literature by testing the influence of religiosity, knowledge and income in the context of Islamic boarding school students.
{"title":"Analysis of factors affecting interests of student for saving on sharia financial institution; case study of Raudlatut Thalibin Leteh Rembang boarding school","authors":"S. Rahayu, Rosida Dwi Ayuningtyas, Maskudi Maskudi","doi":"10.20885/AJIM.VOL2.ISS1.ART6","DOIUrl":"https://doi.org/10.20885/AJIM.VOL2.ISS1.ART6","url":null,"abstract":"Purpose: This study aims to examine the influences of religiosity, knowledge, and income toward the interest to open savings account in a sharia bank on students of Raudltut Thalibin Leteh boarding school in Rembang. Methodology: This study uses a survey with a sample of 100 students of Raudltut Thalibin Leteh boarding school in Rembang. Data analysis used in this study is SEM with AMOS software assistance. This research uses quantitative method. Data analysis used in this study is multiple linear regression analysis, classical assumption test, and t-test (Hypothesis Test). Findings: From the result of this research, it can be concluded that Knowledge (X2) and Income (X3) have an effect on interest to open saving account in sharia bank (Y). Meanwhile, trust (X1) has no effect on the interest to open saving account in sharia bank (Y). Originality: This study enriches the discussion in the literature by testing the influence of religiosity, knowledge and income in the context of Islamic boarding school students.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"66 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133334095","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}
Pub Date : 2020-06-01DOI: 10.20885/ajim.vol2.iss1.art5
Nurul Alfi Syahri, D. A. Harjito
Purpose: This study aims to examine the effect of financing products with the principle of profit-loss sharing offered by Sharia Banks to the level of profitability of Sharia Banks. The financing product under profit sharing principle of Sharia Bank can be categorized into two types namely Mudharaba and Musharaka. The effect of Mudharaba and Musharaka on the profitability level of Sharia Banks is tested partially and simultaneously. In this study, the profitability level of Sharia Bank is measured by Return On Equity (ROE). Methodology: The sample of this research is the Sharia Bank registered in Bank Indonesia. The sample selection in this study used purposive sampling method and obtained6 samples for the study period of 2012-2016. This research uses Multiple Linear Regression analysis method to analyze the data. Findings: Results of this study indicate that financing products with profit-loss sharing principles represented by the proxy of Mudharaba and Musharaka have a significant effect on the profitability level of Sharia Banks for the period of 2012-2016. Mudharaba is partially significant and positive to the profitability level of Sharia Banks for the period of 2012-2016, Musharaka partially has a significant and negative effect on the profitability level of Sharia Banks for the period of 2012-2016, and Mudharaba and Musharaka simultaneously have a significant influence to the level of profitability of Sharia Banks for the period of 2012-2016. Originality: This study enriches the discussion of the effect of financing products with the principle of profit-loss sharing offered by Sharia Banks to the level of profitability of Sharia Bank. The effect of Mudharaba and Musharaka on the profitability level of Sharia Banks is tested to the profitability level of Sharia Banks
{"title":"The effect of financing using the principle of profit-loss sharing on profitability level of commercial Islamic bank registered in Bank Indonesia","authors":"Nurul Alfi Syahri, D. A. Harjito","doi":"10.20885/ajim.vol2.iss1.art5","DOIUrl":"https://doi.org/10.20885/ajim.vol2.iss1.art5","url":null,"abstract":"Purpose: This study aims to examine the effect of financing products with the principle of profit-loss sharing offered by Sharia Banks to the level of profitability of Sharia Banks. The financing product under profit sharing principle of Sharia Bank can be categorized into two types namely Mudharaba and Musharaka. The effect of Mudharaba and Musharaka on the profitability level of Sharia Banks is tested partially and simultaneously. In this study, the profitability level of Sharia Bank is measured by Return On Equity (ROE). Methodology: The sample of this research is the Sharia Bank registered in Bank Indonesia. The sample selection in this study used purposive sampling method and obtained6 samples for the study period of 2012-2016. This research uses Multiple Linear Regression analysis method to analyze the data. Findings: Results of this study indicate that financing products with profit-loss sharing principles represented by the proxy of Mudharaba and Musharaka have a significant effect on the profitability level of Sharia Banks for the period of 2012-2016. Mudharaba is partially significant and positive to the profitability level of Sharia Banks for the period of 2012-2016, Musharaka partially has a significant and negative effect on the profitability level of Sharia Banks for the period of 2012-2016, and Mudharaba and Musharaka simultaneously have a significant influence to the level of profitability of Sharia Banks for the period of 2012-2016. Originality: This study enriches the discussion of the effect of financing products with the principle of profit-loss sharing offered by Sharia Banks to the level of profitability of Sharia Bank. The effect of Mudharaba and Musharaka on the profitability level of Sharia Banks is tested to the profitability level of Sharia Banks","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116975514","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}
Pub Date : 2020-06-01DOI: 10.20885/AJIM.VOL2.ISS2.ART5
Satrio Wicaksono, Y. Fitriyani
Purpose: This study aims to analyse the factors that influence Islamic commercial bank financing for the agricultural sector in Indonesia from January 2015 to April 2019. Methodology: Variables used in this study are Agricultural Financing, DPK, NPF, Inflation, Exchange Rates, SBIS, and IPI. The method used in this research is the VAR/VECM method with Impulse Response Function (IRF) analysis and Forecast Error Variance Decomposition (FEVD). Findings: The results show that the variables that significantly influence agricultural financing in the long-term are DPK, Exchange Rate, and IPI. Taking a closer detail, IPI variable has a positive effect, while the DPK and Exchange Rate have a negative effect on agricultural financing. Then NPF, inflation, and SBIS have no effect on agricultural financing in the short and long-term. Based on the results of FEVD, the variable that has the greatest contribution to agricultural financing is DPK compared to Exchange Rate and IPI. Practical applications: Islamic bank directors prioritize efforts to increase funding in order to encourage an increase in the portion of financing in the agricultural sector. Originality: This study examines the effect of financial and macroeconomic performance on mudharabah financing in the short and long term in Indonesia.
{"title":"Analysis of factor affecting Islamic commercial bank financing for the agricultural sector in Indonesia","authors":"Satrio Wicaksono, Y. Fitriyani","doi":"10.20885/AJIM.VOL2.ISS2.ART5","DOIUrl":"https://doi.org/10.20885/AJIM.VOL2.ISS2.ART5","url":null,"abstract":"Purpose: This study aims to analyse the factors that influence Islamic commercial bank financing for the agricultural sector in Indonesia from January 2015 to April 2019. Methodology: Variables used in this study are Agricultural Financing, DPK, NPF, Inflation, Exchange Rates, SBIS, and IPI. The method used in this research is the VAR/VECM method with Impulse Response Function (IRF) analysis and Forecast Error Variance Decomposition (FEVD). Findings: The results show that the variables that significantly influence agricultural financing in the long-term are DPK, Exchange Rate, and IPI. Taking a closer detail, IPI variable has a positive effect, while the DPK and Exchange Rate have a negative effect on agricultural financing. Then NPF, inflation, and SBIS have no effect on agricultural financing in the short and long-term. Based on the results of FEVD, the variable that has the greatest contribution to agricultural financing is DPK compared to Exchange Rate and IPI. Practical applications: Islamic bank directors prioritize efforts to increase funding in order to encourage an increase in the portion of financing in the agricultural sector. Originality: This study examines the effect of financial and macroeconomic performance on mudharabah financing in the short and long term in Indonesia.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"54 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121621423","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}
Pub Date : 2020-06-01DOI: 10.20885/AJIM.VOL2.ISS2.ART3
D. Anggraeni, M. Kholid
Purpose: This study aims to examine the determinant factors affecting accounting student’s intention to carrying out e-book piracy. Methodology: This study used quantitative method with primary data through questionnaire from 187 selected students as samples. The data were analyzed using the PLS SEM supported by SmartPLS software. Findings: The findings of the analysis showed that attitude significantly affects the intention of carrying out E-book piracy while Islamic religiosity negatively influences the intention of carrying out E-book piracy. The findings of this study contribute to the literature regarding piracy in general and e-book piracy in particular. Practical implications: The present study also has implications for higher education institution especially for accounting study program to formulate strategies to minimize e-book piracy by accounting students Originality: This study integrates Islamic religiosity in a research model which is rarely done in the context of research on e-book piracy by accounting students
{"title":"The influence of Islamic religiosity on e-book piracy: an accounting student perspective","authors":"D. Anggraeni, M. Kholid","doi":"10.20885/AJIM.VOL2.ISS2.ART3","DOIUrl":"https://doi.org/10.20885/AJIM.VOL2.ISS2.ART3","url":null,"abstract":"Purpose: This study aims to examine the determinant factors affecting accounting student’s intention to carrying out e-book piracy. Methodology: This study used quantitative method with primary data through questionnaire from 187 selected students as samples. The data were analyzed using the PLS SEM supported by SmartPLS software. Findings: The findings of the analysis showed that attitude significantly affects the intention of carrying out E-book piracy while Islamic religiosity negatively influences the intention of carrying out E-book piracy. The findings of this study contribute to the literature regarding piracy in general and e-book piracy in particular. Practical implications: The present study also has implications for higher education institution especially for accounting study program to formulate strategies to minimize e-book piracy by accounting students Originality: This study integrates Islamic religiosity in a research model which is rarely done in the context of research on e-book piracy by accounting students","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"64 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122991299","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}
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