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Implementation of Musyarakah Financing in BMT Al-Munawarah 在BMT Al-Munawarah实施Musyarakah融资
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.176-192
Setya Nugroho Isri Yuwono, J. Jaharuddin
This study aims to determine the application and conformity of the sharia musharakah contract with the DSN fatwa at Baitul Maal wa Tamwil (BMT) Al-Munawwarah, using a qualitative case study approach. The data used in this study used primary and secondary data by conducting direct interviews with branch managers, tellers, and customers at BMT and searching for data sources in journals, books, and literature. The results of this study explain that BMT has several savings products and financing products in it for customer needs. In conducting Musyarakah financing, customers need to fill out a form and complete the requirements set by the BMT. In its implementation, BMT Al-Munawwarah has run musharakah financing following the DSN-MUI Fatwa with the principle of profit sharing. The ratios that are usually used for BMT are 50%: 50%, 60%: 40%, and 70%: 30%. The marketing strategy used by BMT in marketing its financing products is through print media such as brochures, and banners
本研究旨在采用定性案例研究方法,确定伊斯兰教法穆沙拉夫合同与DSN在Baitul Maal wa Tamwil Al-Munawwarah的法特瓦的适用情况和一致性。本研究中使用的数据通过对BMT的分行经理、出纳员和客户进行直接访谈,并在期刊、书籍和文献中搜索数据源,使用了第一手和二手数据。本研究的结果解释了BMT有几个储蓄产品和融资产品,以满足客户的需求。在进行Musyarakah融资时,客户需要填写表格并完成BMT设定的要求。在实施过程中,BMT Al-Munawwarah按照DSN-MUI Fatwa的原则,以利润分享为原则,管理穆沙拉夫融资。通常用于BMT的比例是50%:50%,60%:40%和70%:30%。BMT在营销其融资产品时使用的营销策略是通过印刷媒体,如小册子和横幅
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引用次数: 0
Financial Literacy, Income and Self-Control on Financial Management Behavior of Generation Z 理财素养、收入与自我控制对Z世代理财行为的影响
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.152-164
Citra Anjani, Darto Darto
In the current era of globalization, economic circulation continues to change and gradually spread throughout the world, including Indonesia. One of the factors influencing these changes is financial behavior. Therefore, financial knowledge is absolutely important the community, because financial knowledge covers how individuals manage their finances properly. Often, individuals fail to manage their finances not because of their low income but because of their ignorance in managing and allocating their finances properly. The purpose of this study was to find out whether there is influence from financial literacy, income, and self-control variables on the financial management behavior of Generation Z, especially students at universities like Muhammadiyah Jakarta. The method used in this study is a quantitative approach with primary data obtained from distributing questionnaires. The data analysis technique used by the researcher uses the classical assumption test, multiple linear regression, T test, and hypothesis test. The questionnaire distribution period was carried out in October–November 2022. The results of this study indicate that the variables financial literacy, income, and self-control have a positive and significant effect on the financial management behavior of generation Z.
在当今全球化时代,经济流通不断发生变化,并逐渐蔓延到世界各地,印尼也不例外。影响这些变化的因素之一是财务行为。因此,金融知识对社会是绝对重要的,因为金融知识涵盖了个人如何正确管理自己的财务。通常,个人无法管理自己的财务并不是因为收入低,而是因为他们不知道如何正确地管理和分配自己的财务。本研究的目的是为了找出是否有金融素养,收入和自我控制变量对Z世代的财务管理行为的影响,特别是像穆罕默德迪亚雅加达这样的大学的学生。本研究使用的方法是定量的方法,主要数据是通过发放问卷获得的。研究者使用的数据分析技术采用经典假设检验、多元线性回归、T检验和假设检验。问卷发放期为2022年10 - 11月。本研究结果显示,财务素养、收入、自我控制等变量对Z世代财务管理行为有显著的正向影响。
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引用次数: 1
Fast Food Industry Investigation: The Role of Brand Attitude and Brand Loyalty on Purchase Intentions in Generation Z based on Theory of Reasoned Action 快餐行业调查:基于理性行为理论的Z世代品牌态度和品牌忠诚对购买意愿的影响
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.206-220
Muhammad Taufikkur Rahman Afandi, Endy Gunanto Marsasi
This study explores the concepts of brand attitude and brand loyalty among generation z to generate purchase intention in the fast food restaurant industry. Researchers use quantitative methods and use surveys to obtain primary data. The data obtained were then processed using SPSS and AMOS. The total respondents collected in this study were 204 generation Z people who consumed products at fast food restaurants. Variables used in this study include brand attitude, purchase intention, electronic word of mouth, and brand loyalty. The brand loyalty variable in this study will act as a renewal variable mediating between the electronic word of mouth and purchase intention variables. The results of this study show that electronic word of mouth positively affects brand attitude variable but has no effect on brand loyalty variable. Brand attitude variable has a significant impact on brand loyalty variable and purchase intention variable. Brand loyalty variable has a significant effect on purchase intention variable. These findings align with the theory of reasoned action, which states attitude that appears in a person will affect the intention shown in him. The gap in this study is brand attitude because there are differences in previous studies.
本研究探讨z世代的品牌态度和品牌忠诚概念,以产生快餐行业的购买意愿。研究人员使用定量方法和调查来获得原始数据。然后使用SPSS和AMOS对所得数据进行处理。本次调查共收集了204名在快餐店消费产品的Z一代。本研究使用的变量包括品牌态度、购买意愿、电子口碑和品牌忠诚度。本研究的品牌忠诚变量将在电子口碑与购买意愿变量之间扮演更新变量的中介角色。本研究结果显示,电子口碑对品牌态度变量有正向影响,但对品牌忠诚变量没有影响。品牌态度变量对品牌忠诚变量和购买意愿变量有显著影响。品牌忠诚变量对购买意愿变量有显著影响。这些发现与理性行为理论相一致,理性行为理论认为,一个人的态度会影响他表现出来的意图。本研究的差距是品牌态度,因为之前的研究存在差异。
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引用次数: 0
Women’s Social Enterprise Organizational Performance Analysis: A Road to Sustainability 女性社会企业组织绩效分析:一条可持续发展之路
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.221-231
Andi Fauziah Yahya, F. Fitriyani
With a high sense of empathy and sociality, women tend to engage in social entrepreneurship or participate in social activities to pursue not only profit but also social impact. In addition, social entrepreneurship has been believed to be able to address social problems and be the best way to build economic resilience and independence in societies. Through extensive research, social enterprises have proven to be providers of solutions to social problems. Therefore, ensuring the success and sustainability of social enterprises is a major challenge for female entrepreneurs. The aim of this study is to identify the current conditions of social entrepreneurship and the challenges they face to ensure their sustainability from a comprehensive management perspective. The research applies a qualitative research approach with several case study designs. Data obtained through observations and semistructured interviews with four CEOs and ten employees was processed and analyzed using McKinsey’s 7S model approach to determine the company’s current organizational performance. Performance analysis using McKinsey 7S Models at KWN Fatimah Az-Zahrah, Celebes Mushroom Farms, Café Tulus, and Café Mella House of Donuts has provided an illustration of their current condition and found that the three elements are not aligned with each other, mainly the elements strategy, system, and skills, and the two elements have gaps in the system and skills. These unbalanced elements and gaps will hinder these companies from achieving efficient performance and sustainability.
女性具有高度的同理心和社会性,她们往往从事社会创业或参与社会活动,追求的不仅是利润,还有社会影响。此外,社会企业家精神被认为能够解决社会问题,是在社会中建立经济弹性和独立性的最佳途径。通过广泛的研究,社会企业已被证明是解决社会问题的提供者。因此,确保社会企业的成功和可持续性是女企业家面临的一项重大挑战。本研究的目的是从综合管理的角度确定社会企业家精神的现状和他们所面临的挑战,以确保其可持续性。本研究采用定性研究方法,并设计了几个案例研究。通过对四位ceo和十名员工的观察和半结构化访谈获得的数据,使用麦肯锡的7S模型方法进行处理和分析,以确定公司当前的组织绩效。利用麦肯锡7S模型对KWN Fatimah Az-Zahrah、Celebes Mushroom Farms、caf Tulus和caf Mella House of Donuts进行绩效分析,分析了它们的现状,发现三个要素并不一致,主要是战略、系统和技能三个要素,两个要素在系统和技能上存在差距。这些不平衡的因素和差距将阻碍这些公司实现高效绩效和可持续性。
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引用次数: 1
Towards an Equitable Sharia Economic System in the City of Tasikmalaya: The Role of Sharia Regional Regulations and Islamic Relations 迈向塔斯克马来亚市公平的伊斯兰教法经济制度:伊斯兰教法地区法规和伊斯兰关系的作用
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.245-261
Ma’mun Murod, G. Santoso
Sharia economic law is an important part of Islamic law. Indonesia, as a country with the largest Muslim population in the world, has enormous potential to play an optimal role in the sharia economic industry. This research is based on the phenomenon of increasing public and regional awareness of the importance of the sharia economic system in the Indonesian economy. The development of sharia regional regulations in several regions of Indonesia is part of an effort to build a sharia economic system and improve people's welfare in an equitable and just manner. The research method used is a grounded, qualitative method. This method is used to find a theory, create a new theory, and even form a new model idea that can help resolve the implementation of a just Islamic economic system. The results of the research resulted in recommendations for the best program solutions in the form of positive impact outcomes for the community, government, and business actors, namely the following activities: creating inclusive and sustainable economic growth; opening wider and more diverse business opportunities; providing an increase in the quality of life of the community; increasing public trust in the financial system; improving the nation's image; improving financial inclusion; improving economic independence; improving community welfare; and making a significant contribution to sustainable development.
伊斯兰教法是伊斯兰教法的重要组成部分。印尼作为世界上穆斯林人口最多的国家,在伊斯兰经济产业中发挥最佳作用的潜力巨大。这项研究是基于公众和区域对伊斯兰教经济制度在印度尼西亚经济中的重要性的认识日益增加的现象。印度尼西亚若干地区制定伊斯兰教法区域法规,是建立伊斯兰教法经济制度和公平公正地改善人民福利努力的一部分。所使用的研究方法是一种有根据的定性方法。用这种方法去寻找一种理论,创造一种新的理论,甚至形成一种新的模式思想,可以帮助解决一个公正的伊斯兰经济制度的实施问题。研究结果提出了对社区、政府和商业行为者产生积极影响的最佳方案解决方案建议,即以下活动:创造包容性和可持续的经济增长;开拓更广泛、更多元的商机;提高市民的生活质素;提高公众对金融体系的信任;提升国家形象;改善普惠金融;提高经济独立性;改善社区福利;并为可持续发展作出重大贡献。
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引用次数: 0
Mushroom Cultivation Business Development Strategy with BMC Model During Pandemic Covid 19 基于BMC模型的新型冠状病毒大流行期间蘑菇栽培业务发展策略
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.165-175
Retno Endah Supeni, Bayu Wijayantini
The COVID-19 pandemic has greatly affected various aspects of people's lives. However, despite all the adversity, several businesses are still able to survive and are expected to continue growing during the crisis. Village-Owned Enterprises (BUMDes) are considered important elements that can play a significant role in awakening and stimulating a sluggish economy in the midst of a pandemic. BUMDes and the mushroom cultivation business unit face several obstacles in marketing, human resources, and increasingly high competition. The type of research used is descriptive with a qualitative approach. This study aims to determine the business development strategy used by the BUMDes Pontang Mushroom Cultivation Business to achieve a new model for business development by using the design of the nine elements of the Business Model Canvas (BMC), which include customer segment, value proposition, channel, customer relationship, revenue stream, key resources, key activities, key partnerships, and cost structure. The results of the SWOT analysis conducted by BMC show that BUMDes could carry out an aggressive strategy. In addition, it also produces a new BMC Design as an improvement alternative choice strategy for customer segments, channels, revenue streams, and customer relationships that can be used for business development, especially during this COVID-19 pandemic.
新冠肺炎疫情严重影响了人们生活的方方面面。然而,尽管所有的逆境,一些企业仍然能够生存下来,并有望在危机期间继续增长。村企被认为是在大流行期间能够在唤醒和刺激低迷经济方面发挥重要作用的重要因素。BUMDes和蘑菇种植事业部在市场营销、人力资源和日益激烈的竞争方面面临着一些障碍。使用的研究类型是定性方法的描述性研究。本研究旨在利用商业模式画布(BMC)的九个要素,包括客户细分、价值主张、渠道、客户关系、收入流、关键资源、关键活动、关键合作伙伴关系和成本结构,确定BUMDes Pontang蘑菇种植业务的业务发展策略,以实现新的业务发展模式。BMC进行的SWOT分析结果表明,BUMDes可以实施积极进取的战略。此外,它还提出了新的BMC设计,作为针对客户细分、渠道、收入流和客户关系的改进替代选择策略,可用于业务开发,特别是在2019冠状病毒病大流行期间。
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引用次数: 1
The Effect of E-Service Quality, Website Quality, Promotion, and E-Trust on Repurchase Intentions at E-Commerce Shopee in DKI Jakarta 电子服务品质、网站品质、促销与电子信任对DKI雅加达电子商务店铺再购买意愿的影响
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.193-205
Muhamad Ilham Syachrony, Hamdan Hamdan, Ridho Rafqi Ilhamalimy
This study aims to analyze e-Service Quality, Website Quality, Promotion, and e-Trust against Shopee's Repurchase Intention in DKI Jakarta. This study uses a quantitative approach, and because the population in this study cannot be generalized with certainty, the result is that the sample selection uses a non-probability purposive sampling approach. Obtained 200 samples that have been confirmed as feasible for testing, because they have gone through the data screening stage. The first data analysis uses a descriptive analysis approach to ensure that the sample characteristics are appropriate to the context. Then using PLS-SEM data analysis through Smart-PLS 3.0 Software. The results of this study reveal that e-Service Quality and Website Quality have a negative and insignificant effect on Repurchase Intention. Meanwhile, promotion and e-Trust have a positive and significant effect on Repurchase Intention.
本研究旨在分析雅加达DKI店主的电子服务品质、网站品质、促销及电子信任对其再购意愿的影响。本研究采用了定量方法,由于本研究中的总体不能确定地一般化,因此样本选择采用了非概率目的抽样方法。获得了200个已经确认可以进行测试的样本,因为它们都经过了数据筛选阶段。第一个数据分析使用描述性分析方法来确保样本特征适合上下文。然后利用Smart-PLS 3.0软件对PLS-SEM数据进行分析。本研究结果显示,电子服务品质与网站品质对再购买意愿有负向且不显著的影响。同时,促销和电子信任对回购意愿有显著的正向影响。
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引用次数: 4
Local Knowledge as the Basis of Innovation in Managing Agricultural Products 乡土知识是农产品经营创新的基础
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.232-244
Jurry Foo, M. Yasar, M. A. Hamid, D. D. Mohd Hamdan, Harifah Mohd Noor, Jalihah Md. Shah, Kee Sabariah Kee Yusof, Intan Soliha Ibrahim, M. Omar, Pauline Yong, Colonius Atang, Hanif Abdurahman Siswanto
The management of agricultural resources is an important agenda especially during the period of COVID-19 pandemic, which has increased food waste from agricultural products and the loss of sources of income among communities involved in agricultural activities. However, food waste remains as an urgent matter even in post-COVID-19 pandemic. This article aims to discuss about how local knowledge is used to deal with the agriculture waste. Vegetables dumping issues causing waste and affecting the income of farmers and vegetable sellers. Therefore, innovations in processing vegetables into processed food was implemented to optimize agribussines values. In achieving this goal, the steps to be taken are to empower the existing knowledge so called ‘local knowledge’. The information in producing this article was gathered through observation of community who participate voluntarily and interviews with Department of Agriculture, Federal Agricultural Marketing Authority (FAMA) and The Ministry of Agriculture and Food Industries and abbreviated (MAFI). The results of the study found that the main methods of food processing method by the community are preserving, drying, smoking or curing and frying. Hence this these methods were used to process cabbage (Brassica oleracea) into several products namely (1) cabbage floss, (2) salted cabbage, (4) cabbage bosou and (4) cabbage kimchi.
农业资源的管理是一项重要议程,特别是在2019冠状病毒病大流行期间,这增加了农产品的食物浪费和参与农业活动的社区的收入来源损失。然而,即使在2019冠状病毒病大流行后,食物浪费仍然是一个紧迫的问题。本文旨在探讨如何利用当地知识处理农业废弃物。蔬菜倾倒问题造成浪费,影响农民和蔬菜销售商的收入。因此,实施了将蔬菜加工成加工食品的创新,以优化农业企业的价值。为了实现这一目标,要采取的步骤是赋予现有知识权力,即所谓的“本地知识”。撰写本文的信息是通过对自愿参与的社区的观察以及对农业部、联邦农业营销管理局(FAMA)和农业与食品工业部(MAFI)的采访收集的。研究结果发现,社会上对食品加工方法的主要方法是保存、干燥、烟熏或腌制和油炸。因此,这些方法被用来将卷心菜加工成几种产品,即(1)白菜牙线,(2)咸白菜,(4)白菜肉和(4)白菜泡菜。
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引用次数: 0
The Ummatic Elements in Malaysia-Turkey Economic Cooperation: A Study on Investment Aspects 马土经济合作的人文因素:投资方面的研究
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.123-135
Mohamad Shaukhi Mohd Radzi, Mohd. Sohaimi Esa, Z. Othman
The investment aspect is one of the most important aspects in strengthening the economy of a country. As countries that practice an open economic policy, Malaysia and Turkey emphasize the investment aspect of whether Foreign direct investment (FDI) and Direct Investment Abroad (DIA). Malaysia and Turkey are also major players in the Organization of Islamic Cooperation (OIC) and the Economic Cooperation Organization of Eight Developing Countries (D-8). It turns out that these two Islamic organizations have succeeded in becoming catalysts in improving the economy of both countries. These two organizations also clearly make the ummatic agenda the main agenda of the establishment as well as fighting for the welfare of Muslims. This is proven that the amount of investment for these two countries is increasing over time. The diversity of investment sectors is also seen to be increasing based on the needs of Malaysia and Turkey. This study uses a qualitative method that leads to the study of the discipline of history by emphasizing the analysis of primary sources, secondary sources and interviews to produce an authoritative study.
投资方面是加强一个国家经济的最重要方面之一。作为实行开放经济政策的国家,马来西亚和土耳其强调外国直接投资(FDI)和海外直接投资(DIA)的投资方面。马来西亚和土耳其也是伊斯兰合作组织(伊斯兰会议组织)和八个发展中国家经济合作组织(八国集团)的主要参与者。事实证明,这两个伊斯兰组织已经成功地成为改善两国经济的催化剂。这两个组织也明确地将人道主义议程作为建制派的主要议程,并为穆斯林的福利而战。这证明,随着时间的推移,这两个国家的投资金额正在增加。根据马来西亚和土耳其的需求,投资部门的多样性也在增加。本研究采用定性方法,通过强调对一手资料、第二手资料和访谈的分析,得出权威性的研究结果,从而引出对历史学科的研究。
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引用次数: 0
The Effect of Financial Literacy, Financial Knowledge, Financial Attitudes and Personality on Financial Management Behavior in MSME 中小微企业财务素养、财务知识、财务态度和个性对财务管理行为的影响
Pub Date : 2023-04-12 DOI: 10.54268/baskara.5.2.136-151
Rizka Septiana Putri, Naelati Tubastuvi, I. Rahmawati, Hermin Endratno
The research was conducted with the aim of examining the influence of financial literacy, financial knowledge, financial attitudes and personality on financial management behavior. The subjects in this examine were Micro, Small and Medium Enterprises (MSMEs) in Banyumas Regency with a population of 8,542 MSMEs and the sample in this observe was 159 MSMEs. Information were dissected the utilizing validity test, reliability test, descriptive analysis, classical assumption test, and multiple regression test. The study demonstrates that financial literacy, financial knowledge, financial attitudes, and personality traits have a significant and positive impact on financial management behavior. Based on this research, financial management behavior for MSME is very important, MSME must understand how important it is to understand financial literacy, financial knowledge, financial attitudes and personality. Thus, some Banyumas MSMEs have implemented good financial management behaviors and can be an example for other MSMEs.
本研究旨在探讨理财素养、理财知识、理财态度及个性对理财行为的影响。本研究的研究对象为Banyumas县的中小微企业(MSMEs),共有8542家中小微企业,样本为159家中小微企业。运用效度检验、信度检验、描述性分析、经典假设检验和多元回归检验对资料进行剖析。研究表明,理财素养、理财知识、理财态度和人格特质对理财行为有显著的正向影响。基于本研究,理财行为对于中小微企业来说是非常重要的,中小微企业必须明白理财素养、理财知识、理财态度和个性的重要性。因此,一些Banyumas中小微企业实施了良好的财务管理行为,可以成为其他中小微企业的榜样。
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引用次数: 2
期刊
BASKARA : Journal of Business and Entrepreneurship
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