Ahmad Afandi, Diah Purnama Sari, Annessa Fadhillah, Nando Farizal, Muhammad Arif
The purpose of this study is to measure effort expectancy, habit, price value, hedonic motivation, and social influence on the intention to use paylater with trust as a moderating variable. This research is a descriptive quantitative type and data collection method using a questionnaire. This research involved a total of 100 respondents who were all residents of North Sumatra. Structural Equation Model (SEM) and SmartPLS are used in data analysis techniques to test hypotheses and identify factors that influence people's intention to use Paylater. The research findings show that the social influence variable has a positive and significant effect on the intention to use Paylater. Meanwhile, effort expectancy, habit, price value, and hedonic motivation have no effect on the intention to use Paylater. Then the trust variable cannot moderate effort expectancy, habit, price value, hedonic motivation and social influence on the intention to use Paylater, maybe because Paylater has several risks so that trust cannot moderate these variables. This proves that the people of North Sumatra who use paylater are due to social influences without thinking about anything that is at risk for the user. It is hoped that the results of this study can be used as a reference for prospective Paylater users in using them and become information for related institutions. This research is expected to be information in developing further research by adding risk variables that influence the intention to use Paylater.
{"title":"Faktor Penentu Niat Menggunakan Paylater Dengan Kepercayaan Sebagai Variabel Moderasi","authors":"Ahmad Afandi, Diah Purnama Sari, Annessa Fadhillah, Nando Farizal, Muhammad Arif","doi":"10.30984/kunuz.v2i2.420","DOIUrl":"https://doi.org/10.30984/kunuz.v2i2.420","url":null,"abstract":"The purpose of this study is to measure effort expectancy, habit, price value, hedonic motivation, and social influence on the intention to use paylater with trust as a moderating variable. This research is a descriptive quantitative type and data collection method using a questionnaire. This research involved a total of 100 respondents who were all residents of North Sumatra. Structural Equation Model (SEM) and SmartPLS are used in data analysis techniques to test hypotheses and identify factors that influence people's intention to use Paylater. The research findings show that the social influence variable has a positive and significant effect on the intention to use Paylater. Meanwhile, effort expectancy, habit, price value, and hedonic motivation have no effect on the intention to use Paylater. Then the trust variable cannot moderate effort expectancy, habit, price value, hedonic motivation and social influence on the intention to use Paylater, maybe because Paylater has several risks so that trust cannot moderate these variables. This proves that the people of North Sumatra who use paylater are due to social influences without thinking about anything that is at risk for the user. It is hoped that the results of this study can be used as a reference for prospective Paylater users in using them and become information for related institutions. This research is expected to be information in developing further research by adding risk variables that influence the intention to use Paylater.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116941636","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}
T. Trimulato, Atikah Widhiana Putri, Ismawati Ismawati
This study aims to determine the partial and simultaneous effect of knowledge, location, promotion on public interest in using wadiah savings products at Bank Syariah Indonesia (case study in West Sinjai sub-district). This study uses quantitative methods with a statistical approach. Sources of data used in this study is primary data. Data collection techniques This study uses the method of distributing questionnaires to users of Indonesian Islamic Bank products who are domiciled in the West Sinjai sub-district. The sample in this study includes 55 users of wadiah savings products at Islamic banks in West Sinjai District. The data analysis technique used in this research is multiple linear regression analysis. The results of this study partially show that the knowledge variable has a significant effect on people's interest in using wadiah savings products with a sig value of 0.002 <0.05. Likewise, the promotion variable has a significant effect on people's interest in using wadiah savings products with a sig value of 0.000 <0.05. The location variable has no significant effect on people's interest in using wadiah savings products with a sig value of 0.663 > 0.05. Simultaneously the variables of knowledge, location, promotion have a significant effect on people's interest in using wadiah savings products with an effect of 80.3%.
{"title":"Pengaruh Pengetahuan, Lokasi dan Promosi Terhadap Minat Masyarakat Menggunakan Bank Syariah Indonesia","authors":"T. Trimulato, Atikah Widhiana Putri, Ismawati Ismawati","doi":"10.30984/kunuz.v2i2.374","DOIUrl":"https://doi.org/10.30984/kunuz.v2i2.374","url":null,"abstract":"This study aims to determine the partial and simultaneous effect of knowledge, location, promotion on public interest in using wadiah savings products at Bank Syariah Indonesia (case study in West Sinjai sub-district). This study uses quantitative methods with a statistical approach. Sources of data used in this study is primary data. Data collection techniques This study uses the method of distributing questionnaires to users of Indonesian Islamic Bank products who are domiciled in the West Sinjai sub-district. The sample in this study includes 55 users of wadiah savings products at Islamic banks in West Sinjai District. The data analysis technique used in this research is multiple linear regression analysis. The results of this study partially show that the knowledge variable has a significant effect on people's interest in using wadiah savings products with a sig value of 0.002 <0.05. Likewise, the promotion variable has a significant effect on people's interest in using wadiah savings products with a sig value of 0.000 <0.05. The location variable has no significant effect on people's interest in using wadiah savings products with a sig value of 0.663 > 0.05. Simultaneously the variables of knowledge, location, promotion have a significant effect on people's interest in using wadiah savings products with an effect of 80.3%.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127620238","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 describes the effectiveness of credit risk management at Bank Muamalat. The research was conducted at Bank Muamalat Manado. Researchers used qualitative research methods with a descriptive approach. The primary data was collected using semi-structured interviews with Bank Muamalat Manado, and then a three-stage analysis was carried out, data reduction, presentation, and decision-making. Researchers found effectiveness in controlling credit risk at Bank Muamalat. This can be proven by the significant decrease in 2018-2019, namely from 226 to 117 total customers with problems. In addition, researchers also found that in 2020-2021, 198 to 184 total customers with problems. There are two ways of controlling credit risk applied by Bank Mualamat. First, the selection of four criteria, namely personality, psychology, capacity, capital, collateral, and situation. Second, so there are no troubled customers, the bank takes four stages: voluntary payments, AYDA, WO, and collateral auctions. Both of these methods are very important to reduce the occurrence of non-tearing financing. However, credit risk at Bank Muamalat can arise if the evaluation of potential clients and financing strategies from financial institutions are not strict.
{"title":"Permasalahan Kredit Perbankan Syariah: Analisis Manajemen Risiko Kredit di Bank Muamalat Manado","authors":"Cantika Aurelia Ramadina Taha, Chadijah Haris, Rosdalina Bukido","doi":"10.30984/kunuz.v2i2.353","DOIUrl":"https://doi.org/10.30984/kunuz.v2i2.353","url":null,"abstract":"This study describes the effectiveness of credit risk management at Bank Muamalat. The research was conducted at Bank Muamalat Manado. Researchers used qualitative research methods with a descriptive approach. The primary data was collected using semi-structured interviews with Bank Muamalat Manado, and then a three-stage analysis was carried out, data reduction, presentation, and decision-making. Researchers found effectiveness in controlling credit risk at Bank Muamalat. This can be proven by the significant decrease in 2018-2019, namely from 226 to 117 total customers with problems. In addition, researchers also found that in 2020-2021, 198 to 184 total customers with problems. There are two ways of controlling credit risk applied by Bank Mualamat. First, the selection of four criteria, namely personality, psychology, capacity, capital, collateral, and situation. Second, so there are no troubled customers, the bank takes four stages: voluntary payments, AYDA, WO, and collateral auctions. Both of these methods are very important to reduce the occurrence of non-tearing financing. However, credit risk at Bank Muamalat can arise if the evaluation of potential clients and financing strategies from financial institutions are not strict. \u0000 ","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"320 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114804369","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}
Lilly Anggrayni, Alif Ilham Akbar Fatriansyah, S. Tubagus
The aim of this article is to track the trending topics in the field study of environmental accounting research. The data was analyzed by using the library study method. The data was collected from scopus database by searching the systematic keyword that related with the environmental accounting literature on the search engine. This study found that the article that discussed about the environmental accounting was various and mostly concern on the issue about carbon accounting, water accounting, and biodiversity accounting as well as the measurement stages of extinction accounting. The author also found there was some theory which fit with the environmental accounting research that mainly discussed about the evolution of modern accounting and business methods that now more concerned with the social and environmental accounting. This research had implication for the accounting thinkers as well as the accounting and economic students, because the author did not only discuss about the literature review of environmental accounting but also the future direction of the environmental accounting that could become a new novelty for the future study.
{"title":"The Environmental Accounting Evolution: A Literature Review and Future Directions","authors":"Lilly Anggrayni, Alif Ilham Akbar Fatriansyah, S. Tubagus","doi":"10.30984/kunuz.v2i2.386","DOIUrl":"https://doi.org/10.30984/kunuz.v2i2.386","url":null,"abstract":"\u0000 \u0000 \u0000 \u0000 \u0000The aim of this article is to track the trending topics in the field study of environmental accounting research. The data was analyzed by using the library study method. The data was collected from scopus database by searching the systematic keyword that related with the environmental accounting literature on the search engine. This study found that the article that discussed about the environmental accounting was various and mostly concern on the issue about carbon accounting, water accounting, and biodiversity accounting as well as the measurement stages of extinction accounting. The author also found there was some theory which fit with the environmental accounting research that mainly discussed about the evolution of modern accounting and business methods that now more concerned with the social and environmental accounting. This research had implication for the accounting thinkers as well as the accounting and economic students, because the author did not only discuss about the literature review of environmental accounting but also the future direction of the environmental accounting that could become a new novelty for the future \u0000 \u0000 \u0000 \u0000 \u0000 \u0000 \u0000study. \u0000 \u0000 \u0000 \u0000 \u0000","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128996047","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}
Fitria Ayu Lestari Niu, Heince R. N. Wokas, Elda Roring
This study aims to analyze the level of health of the PT. Bank SulutGo in the period of 2017-2021 using the CAMEL method. The research used a quantitative descriptive method. The data display was in the form of documentation that is the data managed based on the financial statement of PT. Bank SulutGo during the period of 2017-2021. The data analysis technique using the CAMEL that is the capital adequacy ratio (CAR), asset quality (KAP), Management (NPM), Rentability (ROA and BOPO), and Liquidity (LDR) ratios. The results indicated the level of health of PT. Bank SulutGo, before the pandemic in 2017 to 2018, was predicated as healthy, with average CAMEL scores of 81% and 84%. Whereas in 2019, it decreased with a reasonably healthy predicate with a CAMEL score of 78%, which was influenced by the performance aspects of management and liquidity, which were unhealthy. However, in 2020 and 2021, during the covid-19 pandemic, it did not affect the level of health of PT. Bank SulutGo, this can be seen from the CAMEL scores of 86% and 82%, which means that predicated as healthy.
本研究旨在使用CAMEL方法分析PT. Bank SulutGo在2017-2021年期间的健康水平。本研究采用定量描述方法。数据以文件的形式显示，即根据PT. Bank SulutGo在2017-2021年期间的财务报表管理的数据。使用CAMEL的数据分析技术，即资本充足率(CAR)，资产质量(KAP)，管理(NPM)，可租赁性(ROA和BOPO)和流动性(LDR)比率。结果表明，在2017年至2018年大流行之前，PT. Bank SulutGo的健康水平被预测为健康，平均CAMEL得分为81%和84%。而在2019年，它以一个相当健康的谓语下降，CAMEL得分为78%，这受到管理和流动性绩效方面的影响，这是不健康的。然而，在2020年和2021年covid-19大流行期间，它并没有影响PT. Bank SulutGo的健康水平，这可以从CAMEL得分86%和82%看出，这意味着预测为健康。
{"title":"Camel Method Analysis on PT. Bank SulutGo Financial Statements for the Period 2017-2021","authors":"Fitria Ayu Lestari Niu, Heince R. N. Wokas, Elda Roring","doi":"10.30984/kunuz.v2i2.393","DOIUrl":"https://doi.org/10.30984/kunuz.v2i2.393","url":null,"abstract":"This study aims to analyze the level of health of the PT. Bank SulutGo in the period of 2017-2021 using the CAMEL method. The research used a quantitative descriptive method. The data display was in the form of documentation that is the data managed based on the financial statement of PT. Bank SulutGo during the period of 2017-2021. The data analysis technique using the CAMEL that is the capital adequacy ratio (CAR), asset quality (KAP), Management (NPM), Rentability (ROA and BOPO), and Liquidity (LDR) ratios. The results indicated the level of health of PT. Bank SulutGo, before the pandemic in 2017 to 2018, was predicated as healthy, with average CAMEL scores of 81% and 84%. Whereas in 2019, it decreased with a reasonably healthy predicate with a CAMEL score of 78%, which was influenced by the performance aspects of management and liquidity, which were unhealthy. However, in 2020 and 2021, during the covid-19 pandemic, it did not affect the level of health of PT. Bank SulutGo, this can be seen from the CAMEL scores of 86% and 82%, which means that predicated as healthy.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"269 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131494019","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 photograph the practice of capital accounting based on the local wisdom values of the Gorontalo community. This study uses an Islamic ethnomethodology approach which is under the Islamic paradigm. There are five data analysis stages: charity, knowledge, faith, revelation information, and good deeds. The study results found that patience and belief that the Creator has arranged sustenance are non-material assets owned by the coachmen. This capital makes them stick with the profession even though the number of users is getting smaller. In the culture of the people of Gorontalo, patience and belief in God are often expressed through lumadu tanggalo duhelo”, which means full of patience in dealing with problems. This research contributes to presenting the concept of capital accounting based on Islamic cultural values in the Gorontalo area. This study also confirms that accounting is a science that requires cultural values and faith in God
{"title":"Potret Akuntansi Pohongi Berbasis Nilai Budaya Islam Gorontalo: Studi Etnometodologi Islam","authors":"M. Thalib","doi":"10.30984/kunuz.v2i2.283","DOIUrl":"https://doi.org/10.30984/kunuz.v2i2.283","url":null,"abstract":"This study aims to photograph the practice of capital accounting based on the local wisdom values of the Gorontalo community. This study uses an Islamic ethnomethodology approach which is under the Islamic paradigm. There are five data analysis stages: charity, knowledge, faith, revelation information, and good deeds. The study results found that patience and belief that the Creator has arranged sustenance are non-material assets owned by the coachmen. This capital makes them stick with the profession even though the number of users is getting smaller. In the culture of the people of Gorontalo, patience and belief in God are often expressed through lumadu tanggalo duhelo”, which means full of patience in dealing with problems. This research contributes to presenting the concept of capital accounting based on Islamic cultural values in the Gorontalo area. This study also confirms that accounting is a science that requires cultural values and faith in God","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133851117","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}
Alina Rusda, Violanita Angga Astrini, Kharis Fadlullah Hana
Improving banking services is useful for attracting customer interest and creating new features and products through quality technology. However, some Indonesians still do not know how to use sophisticated and efficient banking services, especially people who live far from the office. This study aims to solve public perceptions of the existence of branchless banking through aspects of trust, service quality, and facilities provided by BRILink. The method used is qualitative with a phenomenological approach. The data in this study were obtained through interviews and observations with BRILink owners and customers in the Kaliputu area. This study focuses on public perceptions of user convenience, usability, and risk on the BRILink. This study reveals that informants using BRILink have met the trust indicators, service quality, and facilities at BRILink agents. These three indicators give rise to public perceptions regarding the ease of use, the benefits of services, and the risks that exist in BRILink. Service quality is the clearest indicator in BRILink services. It is recommended that indicators regarding public perception of BRILink should be improved so that further research can be maximized.
{"title":"How the Public Perceives of Branchless Banking through BriLink Agents: Field Research Kaliputu Kudus Village","authors":"Alina Rusda, Violanita Angga Astrini, Kharis Fadlullah Hana","doi":"10.30984/kunuz.v2i1.227","DOIUrl":"https://doi.org/10.30984/kunuz.v2i1.227","url":null,"abstract":"Improving banking services is useful for attracting customer interest and creating new features and products through quality technology. However, some Indonesians still do not know how to use sophisticated and efficient banking services, especially people who live far from the office. This study aims to solve public perceptions of the existence of branchless banking through aspects of trust, service quality, and facilities provided by BRILink. The method used is qualitative with a phenomenological approach. The data in this study were obtained through interviews and observations with BRILink owners and customers in the Kaliputu area. This study focuses on public perceptions of user convenience, usability, and risk on the BRILink. This study reveals that informants using BRILink have met the trust indicators, service quality, and facilities at BRILink agents. These three indicators give rise to public perceptions regarding the ease of use, the benefits of services, and the risks that exist in BRILink. Service quality is the clearest indicator in BRILink services. It is recommended that indicators regarding public perception of BRILink should be improved so that further research can be maximized.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124103324","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}
Penelitian ini bertujuan untuk menguji pengaruh kualitas pelayanan karyawan terhadap kepuasan nasabah di unit Pegadaian Syariah (UPS) Shopping Center Manado. Metode yang digunakan metode kuantitatif deskriptif, dimana data yang dikumpulkan adalah respon nasabah (95 responden) Unit Pegadaian Syariah (UPS) Shopping Center Manado dengan menggunakan teknik pengumpulan melalui Observasi dan Kuesioner. Teknik Analisis data yang digunakan adalah regresi linear sederhana dan data penelitian ini diolah menggunakan SPSS versi 25. Hasil penelitian menunjukkan bahwa kualitas pelayanan Pegadaian Syariah berpengaruh dan signifikan terhadap kepuasan nasabah dibuktikan dengan uji korelasi product moment yang memperoleh hasil 0,702 >0. Maka Ho ditolak dan Ha diterima. Berdasarkan hasil uji koefisien determinasi diketahui nilai R2 (R Square) 0,493 atau sekitar 49,3%. Hal ini berarti bahwa pengaruh variabel independen terhadap variabel dependen adalah sebesar 49,3%. Sedangkan, sisanya 51,7% dijelaskan oleh variabel lain yang tidak diteliti dalam penelitian ini. Sehingga Variabel Independen (Kualitas Pelayanan) berpengaruh signifikan terhadap Variabel Dependen (Kepuasan Nasabah).
{"title":"Analisis Kepuasan Nasabah Pengadain Syariah: Bukti Empiris dari Shopping Centre Manado","authors":"Elsita Mayaranti Radja, Sukmawati Muarif, Rosdalina Bukido","doi":"10.30984/kunuz.v2i1.185","DOIUrl":"https://doi.org/10.30984/kunuz.v2i1.185","url":null,"abstract":"Penelitian ini bertujuan untuk menguji pengaruh kualitas pelayanan karyawan terhadap kepuasan nasabah di unit Pegadaian Syariah (UPS) Shopping Center Manado. Metode yang digunakan metode kuantitatif deskriptif, dimana data yang dikumpulkan adalah respon nasabah (95 responden) Unit Pegadaian Syariah (UPS) Shopping Center Manado dengan menggunakan teknik pengumpulan melalui Observasi dan Kuesioner. Teknik Analisis data yang digunakan adalah regresi linear sederhana dan data penelitian ini diolah menggunakan SPSS versi 25. Hasil penelitian menunjukkan bahwa kualitas pelayanan Pegadaian Syariah berpengaruh dan signifikan terhadap kepuasan nasabah dibuktikan dengan uji korelasi product moment yang memperoleh hasil 0,702 >0. Maka Ho ditolak dan Ha diterima. Berdasarkan hasil uji koefisien determinasi diketahui nilai R2 (R Square) 0,493 atau sekitar 49,3%. Hal ini berarti bahwa pengaruh variabel independen terhadap variabel dependen adalah sebesar 49,3%. Sedangkan, sisanya 51,7% dijelaskan oleh variabel lain yang tidak diteliti dalam penelitian ini. Sehingga Variabel Independen (Kualitas Pelayanan) berpengaruh signifikan terhadap Variabel Dependen (Kepuasan Nasabah). \u0000 ","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"111 3S 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114486963","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 purpose of this study is to answer the debate regarding the impact of the Covid-19 pandemic on the soundness of Islamic banks in Indonesia. In this study, the soundness of Islamic banking is measured using the RGEC method. The object of the research is focused on all Islamic banking companies operating in Indonesia with a total population of 14 companies. The data is the annual reports of the company in the period before and after the pandemic, namely the 2019 and 2020 periods. After the sample selection process was carried out, only 12 companies remained that met the criteria for further analysis. The data analysis technique used descriptive statistical analysis and different tests with paired sample t-test and Wilcoxon signed-rank test which had previously passed the normality test. The results showed that only the capital adequacy ratio indicator experienced significant differences before and after the Covid-19 pandemic in Indonesia, while the other three indicators showed no significant differences. This indicates that Islamic banking is still quite capable of overcoming the impact of the pandemic so that it does not have a serious effect on the soundness of Islamic banking.
{"title":"The Effect of Covid-19 Pandemic on the Soundness of Islamic Banks in Indonesia","authors":"Siswantoro Siswantoro","doi":"10.30984/kunuz.v2i1.170","DOIUrl":"https://doi.org/10.30984/kunuz.v2i1.170","url":null,"abstract":"The purpose of this study is to answer the debate regarding the impact of the Covid-19 pandemic on the soundness of Islamic banks in Indonesia. In this study, the soundness of Islamic banking is measured using the RGEC method. The object of the research is focused on all Islamic banking companies operating in Indonesia with a total population of 14 companies. The data is the annual reports of the company in the period before and after the pandemic, namely the 2019 and 2020 periods. After the sample selection process was carried out, only 12 companies remained that met the criteria for further analysis. The data analysis technique used descriptive statistical analysis and different tests with paired sample t-test and Wilcoxon signed-rank test which had previously passed the normality test. The results showed that only the capital adequacy ratio indicator experienced significant differences before and after the Covid-19 pandemic in Indonesia, while the other three indicators showed no significant differences. This indicates that Islamic banking is still quite capable of overcoming the impact of the pandemic so that it does not have a serious effect on the soundness of Islamic banking.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"90 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126810684","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 determine the general public's perception of the existence of Islamic banks in Tambakroto village, Kajen sub-district. This research is a qualitative research with a descriptive approach. Data collection techniques through observation, interviews, and documentation of the local community. Meanwhile, the data analysis method uses interactive analysis techniques with analysis components consisting of data reduction, data presentation, and drawing conclusions/verification. The results of this study explain that people basically know about Islamic banks but do not know the concept of Islamic banks. Low knowledge is caused by various factors ranging from self where the family environment is not familiar with Islamic banks, when the location for Islamic banks is far not as much as conventional banks so that people are reluctant to switch to Islamic banks in addition to self factors related to targets where people hope in the future regarding bank progress. sharia in Tambakroto village. The factors that underlie the lack of knowledge of Islamic banks make people less interested in saving, transactions and other activities in Islamic banks. Efforts to overcome all problems and perceptions in Tambakroto village which can be started from socialization so that in the future Tambakroto village will experience progress in knowledge, interests, views about Islamic banks.
{"title":"General Public Perception of The Existence of Sharia Bank (Case Study in Tambakroto Village, Kajen District)","authors":"Sifa Uchtiat Suhita, Hendri Hermawan Adinugraha","doi":"10.30984/kunuz.v2i1.180","DOIUrl":"https://doi.org/10.30984/kunuz.v2i1.180","url":null,"abstract":"This study aims to determine the general public's perception of the existence of Islamic banks in Tambakroto village, Kajen sub-district. This research is a qualitative research with a descriptive approach. Data collection techniques through observation, interviews, and documentation of the local community. Meanwhile, the data analysis method uses interactive analysis techniques with analysis components consisting of data reduction, data presentation, and drawing conclusions/verification. The results of this study explain that people basically know about Islamic banks but do not know the concept of Islamic banks. Low knowledge is caused by various factors ranging from self where the family environment is not familiar with Islamic banks, when the location for Islamic banks is far not as much as conventional banks so that people are reluctant to switch to Islamic banks in addition to self factors related to targets where people hope in the future regarding bank progress. sharia in Tambakroto village. The factors that underlie the lack of knowledge of Islamic banks make people less interested in saving, transactions and other activities in Islamic banks. Efforts to overcome all problems and perceptions in Tambakroto village which can be started from socialization so that in the future Tambakroto village will experience progress in knowledge, interests, views about Islamic banks.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131599095","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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