Pub Date : 2021-12-30DOI: 10.29244/jam.9.2.215-229
Muhammad Nur Faaiz F. Achsani, Salina Kassim
In Indonesian banking system, conventional banks are operating side by side with Islamic banking in a dual banking system. In terms of the credit risk determinants, Islamic banks should be affected by the different factors as conventional banks. However, the similarity of Islamic banks and the conventional bank in terms of contracts might lead to the opinion the same variables are affecting the performance of Islamic and conventional banks. The objective of the study is to examine and obtain an understanding on how the credit and financing in Indonesian dual banking system responses to changes in bank-specific variables. The main approach to fit the model used in this study is the dynamic panel data. Based on the result of the combined model, there are some independent variables that significantly affect credit risk. Profitability significantly affects credit risk with a negative relationship. While size significantly affects credit risk with a positive relationship. When it comes to the dummy variable, it can be said that the type of bank doesn’t play a significant role in determining the credit risk. In other word, there is no difference between Islamic bank and conventional banks in terms of credit risk. To analyze the crisis effect deeper, we compare the result of conventional banking model 2016-2020 and Islamic banking model 2016-2020. There is no independent variable that significantly affect the credit risk in the conventional banking model 2016-2020, three out of four independent variables affect credit risk significantly in the Islamic banking model 2016-2020. This is because conventional banks tend to play safe by avoiding the disbursement of credit and focusing on derivatives. However, this strategy is not suitable for Islamic banking as they are not allowed to do speculative activities. Islamic banking are still focusing on traditional banking activity.
{"title":"The Determinants of Credit Risk Under Dual Banking System: Indonesian Experience Based on Bank Specific Variables","authors":"Muhammad Nur Faaiz F. Achsani, Salina Kassim","doi":"10.29244/jam.9.2.215-229","DOIUrl":"https://doi.org/10.29244/jam.9.2.215-229","url":null,"abstract":"In Indonesian banking system, conventional banks are operating side by side with Islamic banking in a dual banking system. In terms of the credit risk determinants, Islamic banks should be affected by the different factors as conventional banks. However, the similarity of Islamic banks and the conventional bank in terms of contracts might lead to the opinion the same variables are affecting the performance of Islamic and conventional banks. The objective of the study is to examine and obtain an understanding on how the credit and financing in Indonesian dual banking system responses to changes in bank-specific variables. The main approach to fit the model used in this study is the dynamic panel data. Based on the result of the combined model, there are some independent variables that significantly affect credit risk. Profitability significantly affects credit risk with a negative relationship. While size significantly affects credit risk with a positive relationship. When it comes to the dummy variable, it can be said that the type of bank doesn’t play a significant role in determining the credit risk. In other word, there is no difference between Islamic bank and conventional banks in terms of credit risk. To analyze the crisis effect deeper, we compare the result of conventional banking model 2016-2020 and Islamic banking model 2016-2020. There is no independent variable that significantly affect the credit risk in the conventional banking model 2016-2020, three out of four independent variables affect credit risk significantly in the Islamic banking model 2016-2020. This is because conventional banks tend to play safe by avoiding the disbursement of credit and focusing on derivatives. However, this strategy is not suitable for Islamic banking as they are not allowed to do speculative activities. Islamic banking are still focusing on traditional banking activity.","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"48 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134131791","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}
Peer-to-Peer (P2P) lending is one of the mechanisms to overcome capital problems for the MSE sector, especially during the Covid-19 pandemic. P2P lending has the highest asset growth compared to other financial technology (fintech) schemes and mostly preferred by the majority of population. As a country with a majority Muslim population, people prefer to use sharia P2P lending, but its role has not been widely documented in the literature. MSEs are business enterprises that contribute greatly to the national gross domestic product (GDP) and absorb the most labor. This study aims to analyze the effect of sharia (P2P) lending on the performance and welfare of MSEs during the Covid-19 pandemic. The method of analysis consists of paired t-test, OLS and logistic regression analysis. Paired t-test results show that there are differences in turnover, profits, operating costs, and the number of MSE workers before and after receiving financing. OLS analysis shows that the amount of financing, business costs, labor, and length of business affect changes in MSE turnover. The results of the logistic regression analysis show that the average family income and the amount of savings significantly affect the welfare of MSE actors.
{"title":"Peer-to-Peer Lending Syariah dan Dampaknya terhadap Kinerja serta Kesejahteraan Pelaku Usaha Mikro dan Kecil (UMK) pada Masa Pandemi Covid-19","authors":"Aphylla Planifolia Harp, Resfa Fitri, Yekti Mahanani","doi":"10.29244/jam.9.1.109-127","DOIUrl":"https://doi.org/10.29244/jam.9.1.109-127","url":null,"abstract":"Peer-to-Peer (P2P) lending is one of the mechanisms to overcome capital problems for the MSE sector, especially during the Covid-19 pandemic. P2P lending has the highest asset growth compared to other financial technology (fintech) schemes and mostly preferred by the majority of population. As a country with a majority Muslim population, people prefer to use sharia P2P lending, but its role has not been widely documented in the literature. MSEs are business enterprises that contribute greatly to the national gross domestic product (GDP) and absorb the most labor. This study aims to analyze the effect of sharia (P2P) lending on the performance and welfare of MSEs during the Covid-19 pandemic. The method of analysis consists of paired t-test, OLS and logistic regression analysis. Paired t-test results show that there are differences in turnover, profits, operating costs, and the number of MSE workers before and after receiving financing. OLS analysis shows that the amount of financing, business costs, labor, and length of business affect changes in MSE turnover. The results of the logistic regression analysis show that the average family income and the amount of savings significantly affect the welfare of MSE actors.","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"49 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127143281","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}
This study aims to examine the factors that influence muzaki's interest in paying zakat through Kitabisa.com with the Technology Acceptance Model and Theory of Planned Behavior approaches. In addition, this study analyzes the relationship pattern of the perceived usefulness, ease of use, attitudes, subjective norms, and behavioral control towards muzaki’s interest. The method used in this study is a quantitative method using Structural Equation Modeling (SEM). The analytical tool used is the SmartPLS version 3 software. The data collection technique was through distributing questionnaires with a total sample of 180 respondents. The results showed that muzaki’s interest in paying zakat through Kitabisa.com was influenced by perceptions of ease of use, attitudes, subjective norms, and perceptions of behavior control. This study proves that perceived ease of use has a significant effect on perceived usefulness. Perceived usefulness and perceived ease of use have a significant effect on attitudes. Meanwhile, perceived usefulness has no significant effect on the interest in using Kitabisa.com digital zakat services. In addition, perceptions of ease of use, attitudes, subjective norms, and perceptions of behavioral control have a significant effect on the interest in using Kitabisa.com digital zakat services.
本研究旨在运用技术接受模型和计划行为理论两种方法，探讨影响木崎通过Kitabisa.com支付天课兴趣的因素。此外，本研究还分析了感知有用性、易用性、态度、主观规范和行为控制对舞崎兴趣的关系模式。本研究采用的方法是结构方程模型(SEM)的定量方法。使用的分析工具是SmartPLS version 3软件。数据收集技术是通过发放问卷，总共有180名受访者。结果表明，muzaki通过Kitabisa.com支付天课的兴趣受到易用性感知、态度、主观规范和行为控制感知的影响。本研究证明，感知易用性对感知有用性有显著影响。感知有用性和感知易用性对态度有显著影响。同时，感知有用性对使用Kitabisa.com数字天课服务的兴趣没有显著影响。此外，对易用性的感知、态度、主观规范和行为控制的感知对使用Kitabisa.com数字天课服务的兴趣有显著影响。
{"title":"Faktor yang Memengaruhi Minat Muzaki dalam Membayar Zakat Melalui Kitabisa.com: Pendekatan Technology Acceptance Model dan Theory of Planned Behavior","authors":"W. Astuti, Budi Prijanto","doi":"10.29244/jam.9.1.21-44","DOIUrl":"https://doi.org/10.29244/jam.9.1.21-44","url":null,"abstract":"This study aims to examine the factors that influence muzaki's interest in paying zakat through Kitabisa.com with the Technology Acceptance Model and Theory of Planned Behavior approaches. In addition, this study analyzes the relationship pattern of the perceived usefulness, ease of use, attitudes, subjective norms, and behavioral control towards muzaki’s interest. The method used in this study is a quantitative method using Structural Equation Modeling (SEM). The analytical tool used is the SmartPLS version 3 software. The data collection technique was through distributing questionnaires with a total sample of 180 respondents. The results showed that muzaki’s interest in paying zakat through Kitabisa.com was influenced by perceptions of ease of use, attitudes, subjective norms, and perceptions of behavior control. This study proves that perceived ease of use has a significant effect on perceived usefulness. Perceived usefulness and perceived ease of use have a significant effect on attitudes. Meanwhile, perceived usefulness has no significant effect on the interest in using Kitabisa.com digital zakat services. In addition, perceptions of ease of use, attitudes, subjective norms, and perceptions of behavioral control have a significant effect on the interest in using Kitabisa.com digital zakat services.","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128226886","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}
The firms tend to perform earning management, mainly due to there was an agency problem amongst the management (agent) and the owner (principal), in more specifically because the lack of corporate governance, manager’s bonus plan, decreasing of supervision, debt-covenant, and economic-meltdown condition. The earning management practice is potentially done by any firms included the sharia bank. The earning management practice will affect the firm’s earnings quality as represented in the financial report. Despite the accounting treatment of mudharabah-musyarakah financing uses cash-basis, the sharia bank may manipulate the earnings when they determine the profit from the investments which will be shared to both the bank and investor. The study aims to investigate the differences of earnings quality and examine the effect of mudharabah-musyarakah financing and leverage to earnings quality, within Bank Umum Syariah (BUS) and Unit Usaha Syariah (UUS) during economic meltdown period in Indonesia between 2014-2016. The results show that there are no significant differences in the earnings quality within sharia bank types during the observed period. Furthermore, the results show that the effect of mudharabah-musyarakah financing and leverage to earnings quality within sharia bank types are in significant within the same observed period.
{"title":"Analisis Kualitas Laba Perbankan Syariah di Indonesia","authors":"Riko Adimulya, Hartoyo, Imam Teguh Saptono","doi":"10.29244/jam.9.1.71-83","DOIUrl":"https://doi.org/10.29244/jam.9.1.71-83","url":null,"abstract":"The firms tend to perform earning management, mainly due to there was an agency problem amongst the management (agent) and the owner (principal), in more specifically because the lack of corporate governance, manager’s bonus plan, decreasing of supervision, debt-covenant, and economic-meltdown condition. The earning management practice is potentially done by any firms included the sharia bank. The earning management practice will affect the firm’s earnings quality as represented in the financial report. Despite the accounting treatment of mudharabah-musyarakah financing uses cash-basis, the sharia bank may manipulate the earnings when they determine the profit from the investments which will be shared to both the bank and investor. The study aims to investigate the differences of earnings quality and examine the effect of mudharabah-musyarakah financing and leverage to earnings quality, within Bank Umum Syariah (BUS) and Unit Usaha Syariah (UUS) during economic meltdown period in Indonesia between 2014-2016. The results show that there are no significant differences in the earnings quality within sharia bank types during the observed period. Furthermore, the results show that the effect of mudharabah-musyarakah financing and leverage to earnings quality within sharia bank types are in significant within the same observed period.","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116788955","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}
Business model innovation of a company is a form of adaptation to the current economic turmoil to determine competitive advantage. To deal with this, PT HPA Indonesia or Halal Network International (HNI) which is based on the Muslim crowd and consistently is considered to be developing and getting the leading position must be able to survive in the middle of challenging market. The purpose of this research is to analyze the strategy of sustainable competitive advantage for HNI as sharia crowd business firm. The mixed method approach was carried out using literature studies, guided interviews, and online questionnaires for certain experts. The data processing technique used in this research is ANP (Analytical Network Process) to involve the analysis of the relationship between the network elements. The results of this research indicate that effective strategy is the right strategy for sustainable competitive performance. This strategy focuses on developing resource capital. The three elements with the lowest priority in this pride strategy model are reputation & quality control, technology & buyer fulfillment and sales of product content. By combining institutional capital and resource capital, a sustainable competitive advantage can be achieved by focusing performance on the subfactors of corporate image and leadership.
{"title":"Analisis Strategi Keunggulan Kompetitif Berkelanjutan Perusahaan Crowd Business Syariah (Studi Kasus pada Halal Network International)","authors":"Amirah Firas Mufidah, Laily Dwi Arsyianti, Ibdalsyah","doi":"10.29244/jam.9.1.45-69","DOIUrl":"https://doi.org/10.29244/jam.9.1.45-69","url":null,"abstract":"Business model innovation of a company is a form of adaptation to the current economic turmoil to determine competitive advantage. To deal with this, PT HPA Indonesia or Halal Network International (HNI) which is based on the Muslim crowd and consistently is considered to be developing and getting the leading position must be able to survive in the middle of challenging market. The purpose of this research is to analyze the strategy of sustainable competitive advantage for HNI as sharia crowd business firm. The mixed method approach was carried out using literature studies, guided interviews, and online questionnaires for certain experts. The data processing technique used in this research is ANP (Analytical Network Process) to involve the analysis of the relationship between the network elements. The results of this research indicate that effective strategy is the right strategy for sustainable competitive performance. This strategy focuses on developing resource capital. The three elements with the lowest priority in this pride strategy model are reputation & quality control, technology & buyer fulfillment and sales of product content. By combining institutional capital and resource capital, a sustainable competitive advantage can be achieved by focusing performance on the subfactors of corporate image and leadership.","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121305632","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}
Cash waqf can be a solution in optimizing the potential of land waqf asset in Indonesia, in order to reach economic empowerment. In Indonesia, cash waqf had a great potential reaching 180 trillion rupiah, however the money acquired on 2019 only reached 400 billion rupiah. Several factors caused the low rate of accumulation of cash waqf, namely religiousity, cash waqf literacy, waqf inclusion, and waqf institution management. This study aims to find out public preference toward cash waqf specifically in West Sumatera Province. The analytical method used is PLS-SEM qualitative analysis using SmartPLS 3.9.2 as a tool. Purposive sampling technique was used to assign 175 respondents. Results showed that there are positive and significant relationship between cash waqf literacy, waqf inclusion and waqf institution management variables with the public preference towards cash waqf. Whereas religiousity factor had positive but insignificant effect to the public preference of cash waqf.
{"title":"Preferensi Publik terhadap Wakaf Uang di Sumatera Barat","authors":"Adila Adisti","doi":"10.29244/jam.9.1.85-98","DOIUrl":"https://doi.org/10.29244/jam.9.1.85-98","url":null,"abstract":"Cash waqf can be a solution in optimizing the potential of land waqf asset in Indonesia, in order to reach economic empowerment. In Indonesia, cash waqf had a great potential reaching 180 trillion rupiah, however the money acquired on 2019 only reached 400 billion rupiah. Several factors caused the low rate of accumulation of cash waqf, namely religiousity, cash waqf literacy, waqf inclusion, and waqf institution management. This study aims to find out public preference toward cash waqf specifically in West Sumatera Province. The analytical method used is PLS-SEM qualitative analysis using SmartPLS 3.9.2 as a tool. Purposive sampling technique was used to assign 175 respondents. Results showed that there are positive and significant relationship between cash waqf literacy, waqf inclusion and waqf institution management variables with the public preference towards cash waqf. Whereas religiousity factor had positive but insignificant effect to the public preference of cash waqf.","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126957974","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 : 2020-12-24DOI: 10.29244/jam.8.2.109-127
Hana Khairunnisa, Deni Lubis, Qoriatul Hasanah
Halal certification is one of the company’s strategy that aims to retain their consumers and become a difference with competitors and to give added value for product. Most of the researchers have proved that halal certificates affect big companies’ total revenue. However, there are not many studies that have proved that halal certificate would affect the total revenue of micro, small, and medium enterprises (MSMEs), especially in Bogor City. This research aims to determine the characteristics of MSMEs’ owners and their business, analyze the changes of MSME’s total revenue before and after owning a halal certificate, and the factors that affect MSMEs’ total revenue after owning a halal certificate. The questionnaire data were collected through an interview with 40 food and beverage MSMEs’ owners who have halal certificates in Bogor City. This research uses descriptive analysis, paired sample t-test, and multiple linear regression analysis as the analysis methods. Results based on this research showed that there was a difference in the total revenue of MSMEs before and after owning a halal certificate. The factors that have positive and significant effects of MSMEs’ total revenue influences are capital, work hours, length of business, and a dummy of promotion.
{"title":"Kenaikan Omzet UMKM Makanan dan Minuman di Kota Bogor Pasca Sertifikasi Halal","authors":"Hana Khairunnisa, Deni Lubis, Qoriatul Hasanah","doi":"10.29244/jam.8.2.109-127","DOIUrl":"https://doi.org/10.29244/jam.8.2.109-127","url":null,"abstract":"Halal certification is one of the company’s strategy that aims to retain their consumers and become a difference with competitors and to give added value for product. Most of the researchers have proved that halal certificates affect big companies’ total revenue. However, there are not many studies that have proved that halal certificate would affect the total revenue of micro, small, and medium enterprises (MSMEs), especially in Bogor City. This research aims to determine the characteristics of MSMEs’ owners and their business, analyze the changes of MSME’s total revenue before and after owning a halal certificate, and the factors that affect MSMEs’ total revenue after owning a halal certificate. The questionnaire data were collected through an interview with 40 food and beverage MSMEs’ owners who have halal certificates in Bogor City. This research uses descriptive analysis, paired sample t-test, and multiple linear regression analysis as the analysis methods. Results based on this research showed that there was a difference in the total revenue of MSMEs before and after owning a halal certificate. The factors that have positive and significant effects of MSMEs’ total revenue influences are capital, work hours, length of business, and a dummy of promotion.","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125118964","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 : 2020-12-24DOI: 10.29244/jam.8.2.153-171
D. Iskandar, Noer Azam Achsani, Setiadi Djohar
Market share on Islamic Insurance is still very small compared to conventional insurance. Islamic insurance companies must be able to compete with conventional insurance in order to increase their market share. Efficiency and Productivity are factors that must be improved so that Islamic insurance can compete with conventional insurance. This study aims to analyze the level of efficiency and productivity of Islamic insurance during the 2016-2018 period. The study was conducted on 48 Islamic insurance companies consisting of 26 Islamic life insurance companies and 22 Islamic general insurance companies. Efficiency analysis use the Data Envelopment Analysis (DEA) approach and productivity analysis use the Malmquist Productivity Index (MPI). The novelty of this study, among others, involves Islamic general insurance in the productivity analysis which has not been studied so far. The results of the analysis shows that the majority of Islamic life insurance and Islamic general insurance are inefficient during the 2016-2018 period. The size of the company which represents the total assets is the factor that have a positive and significant effect on the efficiency value. The results of the productivity analysis shows that the productivity level of both sharia life insurance and general sharia insurance during the 2016-2018 period is influenced by technological change factors.
{"title":"Analisis Produktivitas dan Faktor-Faktor yang Memengaruhi Efisiensi Asuransi Syariah di Indonesia: Suatu Kajian Empiris","authors":"D. Iskandar, Noer Azam Achsani, Setiadi Djohar","doi":"10.29244/jam.8.2.153-171","DOIUrl":"https://doi.org/10.29244/jam.8.2.153-171","url":null,"abstract":"Market share on Islamic Insurance is still very small compared to conventional insurance. Islamic insurance companies must be able to compete with conventional insurance in order to increase their market share. Efficiency and Productivity are factors that must be improved so that Islamic insurance can compete with conventional insurance. This study aims to analyze the level of efficiency and productivity of Islamic insurance during the 2016-2018 period. The study was conducted on 48 Islamic insurance companies consisting of 26 Islamic life insurance companies and 22 Islamic general insurance companies. Efficiency analysis use the Data Envelopment Analysis (DEA) approach and productivity analysis use the Malmquist Productivity Index (MPI). The novelty of this study, among others, involves Islamic general insurance in the productivity analysis which has not been studied so far. The results of the analysis shows that the majority of Islamic life insurance and Islamic general insurance are inefficient during the 2016-2018 period. The size of the company which represents the total assets is the factor that have a positive and significant effect on the efficiency value. The results of the productivity analysis shows that the productivity level of both sharia life insurance and general sharia insurance during the 2016-2018 period is influenced by technological change factors.","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125346643","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}
This study tries to review the research around Islamic economics and finance on reputable journal. It uses descriptive statistical analysis based on selected 177 article publications or paper related to Islamic economics and finance, with international journal indexed by scopus Q1. The entire sample journal publications have published for five years from 2014 to 2018. The results show that Islamic economics and finance research is still dominated by Islamic banks issues (42%), followed by Islamic capital market issues (31%), then Islamic accounting (9%), Islamic business and marketing (7%), Islamic monetary (4%), and other Islamic economics and finance issues (7%), like takaful, microfinance, halal industry, waqf and economic of hajj. In addition, the average time of journal publication is between 9 and 10 months. There are at least 20 Q1 scopus journals that publish Islamic economics and finance articles and the most research with Pacific-Basin Finance Journal, Journal of Economic Behavior & Organization, Journal of International Financial Market, Institution & Money, and Journal of Business Ethics. Furthermore, the comparison of quantitative research (84%) is still more than the qualitative approach (16%).
{"title":"Studi Literatur Riset Ekonomi dan Keuangan Islam dalam Jurnal Terindeks Scopus Q1","authors":"A. S. Rusydiana","doi":"10.29244/jam.8.1.39-56","DOIUrl":"https://doi.org/10.29244/jam.8.1.39-56","url":null,"abstract":"This study tries to review the research around Islamic economics and finance on reputable journal. It uses descriptive statistical analysis based on selected 177 article publications or paper related to Islamic economics and finance, with international journal indexed by scopus Q1. The entire sample journal publications have published for five years from 2014 to 2018. The results show that Islamic economics and finance research is still dominated by Islamic banks issues (42%), followed by Islamic capital market issues (31%), then Islamic accounting (9%), Islamic business and marketing (7%), Islamic monetary (4%), and other Islamic economics and finance issues (7%), like takaful, microfinance, halal industry, waqf and economic of hajj. In addition, the average time of journal publication is between 9 and 10 months. There are at least 20 Q1 scopus journals that publish Islamic economics and finance articles and the most research with Pacific-Basin Finance Journal, Journal of Economic Behavior & Organization, Journal of International Financial Market, Institution & Money, and Journal of Business Ethics. Furthermore, the comparison of quantitative research (84%) is still more than the qualitative approach (16%).","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125468345","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}
Rahn is financing for the community to borrow money using personal items as collateral. Public interest in rahn is still small, even though rahn knew as savings and loan services for property that is guaranteed by customers. The savings and loan services are paid every month along with the loan installments and do not use the interest system, only determining the nominal value of the rupiah determined by the pawning party. Thus, this study aims to determine the factors that influence customer preferences in choosing rahn products. The total of 120 respondents are taken, with a proportion of 60 as respondents representing rahn product respondents and 60 other respondents. The collected data is processed using logistic regression techniques. The results of the study show the factors that influence customer preferences for rahn products are factors of knowledge, promotion, service, education level, employment, income, expenditure and the number of dependents significantly influence customer decisions in choosing rahn products.
{"title":"Faktor-faktor yang Memengaruhi Preferensi Nasabah terhadap Produk Rahn: Studi Kasus PT. BPRS Amanah Ummah","authors":"Lisda Qotrunnada Nabila Putri, Jaenal Effendi","doi":"10.29244/jam.8.1.1-16","DOIUrl":"https://doi.org/10.29244/jam.8.1.1-16","url":null,"abstract":"Rahn is financing for the community to borrow money using personal items as collateral. Public interest in rahn is still small, even though rahn knew as savings and loan services for property that is guaranteed by customers. The savings and loan services are paid every month along with the loan installments and do not use the interest system, only determining the nominal value of the rupiah determined by the pawning party. Thus, this study aims to determine the factors that influence customer preferences in choosing rahn products. The total of 120 respondents are taken, with a proportion of 60 as respondents representing rahn product respondents and 60 other respondents. The collected data is processed using logistic regression techniques. The results of the study show the factors that influence customer preferences for rahn products are factors of knowledge, promotion, service, education level, employment, income, expenditure and the number of dependents significantly influence customer decisions in choosing rahn products.","PeriodicalId":158243,"journal":{"name":"AL-MUZARA'AH","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125692810","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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