Pub Date : 2022-12-05DOI: 10.21043/equilibrium.v10i2.15730
Iin Waluyani, M. Muflih
This study aims to evaluate the factors that influence the capital structure of the Islamic banking industry in the ASEAN region using the trade-off theory as a basis for decision-making. In trade-off theory, book leverage can proxy capital structure as the dependent variable and bank-specific factors, including profitability, earnings volatility, bank size, asset growth, asset structure, and bank age, as independent variables. In addition, it also considers macroeconomic conditions, which are manifested in the gross domestic product and the inflation rate. The study results show that total assets can affect the level of debt because fixed assets can be used as collateral when the bank takes on debt. While other factors do not have a significant effect on the debt level of Islamic banks. These results are the first empirical study to explore the determinants of the capital structure of Islamic banks in the ASEAN region with different variables from previous research and updated sample data, namely the 2016-2020 period.
{"title":"Determinants of Capital Structure: Analysis of the Islamic Banking Industry in the ASEAN Region","authors":"Iin Waluyani, M. Muflih","doi":"10.21043/equilibrium.v10i2.15730","DOIUrl":"https://doi.org/10.21043/equilibrium.v10i2.15730","url":null,"abstract":"This study aims to evaluate the factors that influence the capital structure of the Islamic banking industry in the ASEAN region using the trade-off theory as a basis for decision-making. In trade-off theory, book leverage can proxy capital structure as the dependent variable and bank-specific factors, including profitability, earnings volatility, bank size, asset growth, asset structure, and bank age, as independent variables. In addition, it also considers macroeconomic conditions, which are manifested in the gross domestic product and the inflation rate. The study results show that total assets can affect the level of debt because fixed assets can be used as collateral when the bank takes on debt. While other factors do not have a significant effect on the debt level of Islamic banks. These results are the first empirical study to explore the determinants of the capital structure of Islamic banks in the ASEAN region with different variables from previous research and updated sample data, namely the 2016-2020 period.","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45851223","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 : 2022-12-05DOI: 10.21043/equilibrium.v10i2.16707
Achmad Jufri, S. Sakinah
This study aimed to examine the effect of macroeconomic variables' lags on Indonesia's Islamic index. The influence of lag can determine how long macroeconomic variables affect the Islamic index. The macroeconomic variables observed for their impact on the Islamic index are inflation, industrial production index, interest rates, exchange rates, gold prices, money supply, and world oil prices from May 2011 to December 2021. The approach used is the Autoregressive Distributed Lag (ARDL) model. The results show that the lags of macroeconomic variables influence the sharia index. The time it takes to affect the stock varies. Inflation, gold prices, and the money supply need a minimum of 1 month to affect stock prices. Industrial production indices and exchange rates have a high-speed ability to influence stock price movements at that time. Interest rates and world oil prices take at least three months to affect stock prices.
{"title":"How Long Can Macroeconomic Variables Affect the Islamic Index in Indonesia?","authors":"Achmad Jufri, S. Sakinah","doi":"10.21043/equilibrium.v10i2.16707","DOIUrl":"https://doi.org/10.21043/equilibrium.v10i2.16707","url":null,"abstract":"This study aimed to examine the effect of macroeconomic variables' lags on Indonesia's Islamic index. The influence of lag can determine how long macroeconomic variables affect the Islamic index. The macroeconomic variables observed for their impact on the Islamic index are inflation, industrial production index, interest rates, exchange rates, gold prices, money supply, and world oil prices from May 2011 to December 2021. The approach used is the Autoregressive Distributed Lag (ARDL) model. The results show that the lags of macroeconomic variables influence the sharia index. The time it takes to affect the stock varies. Inflation, gold prices, and the money supply need a minimum of 1 month to affect stock prices. Industrial production indices and exchange rates have a high-speed ability to influence stock price movements at that time. Interest rates and world oil prices take at least three months to affect stock prices.","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43203556","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 : 2022-12-05DOI: 10.21043/equilibrium.v10i2.17142
Abdul Rouf, A. Supriyanto, S. Siswanto, Nur Asnawi
This study aims to determine the effect of transformational leadership on the work environment, the influence of organizational culture on the work environment, the impact of the work environment on work performance, the effect of transformational leadership on work performance through the work environment, and the influence of organizational culture on work performance through the work environment. Quantitative research using questionnaire data collection method. The population in this study were all employees at Non-Bank Islamic Financial Institutions (LKSNB), using a saturated sampling technique of 45 employees. Using path analysis with external model measurements, mediation tests, and internal model measurements. The results showed that transformational leadership had a significant positive effect on the work environment, organizational culture had a significant negative impact on the work environment, and work environment had a significant positive effect on work performance. The work environment can mediate the influence of transformational leadership on work performance. In comparison, the work environment has yet to mediate organizational culture's effect on performance. This research contributes to the relationship between transformational leadership behavior, organizational culture, work environment, and employee performance. Various variables are tested to provide results and a more comprehensive understanding of employee performance factors. Therefore, institutional leaders must have transformational abilities, work culture, and the environment by obtaining good information about their employees to achieve expected or significant results.
{"title":"Work Environment as Moderating Variable, Impact of Transformational Leadership and Organizational Culture on Employee Performance","authors":"Abdul Rouf, A. Supriyanto, S. Siswanto, Nur Asnawi","doi":"10.21043/equilibrium.v10i2.17142","DOIUrl":"https://doi.org/10.21043/equilibrium.v10i2.17142","url":null,"abstract":"This study aims to determine the effect of transformational leadership on the work environment, the influence of organizational culture on the work environment, the impact of the work environment on work performance, the effect of transformational leadership on work performance through the work environment, and the influence of organizational culture on work performance through the work environment. Quantitative research using questionnaire data collection method. The population in this study were all employees at Non-Bank Islamic Financial Institutions (LKSNB), using a saturated sampling technique of 45 employees. Using path analysis with external model measurements, mediation tests, and internal model measurements. The results showed that transformational leadership had a significant positive effect on the work environment, organizational culture had a significant negative impact on the work environment, and work environment had a significant positive effect on work performance. The work environment can mediate the influence of transformational leadership on work performance. In comparison, the work environment has yet to mediate organizational culture's effect on performance. This research contributes to the relationship between transformational leadership behavior, organizational culture, work environment, and employee performance. Various variables are tested to provide results and a more comprehensive understanding of employee performance factors. Therefore, institutional leaders must have transformational abilities, work culture, and the environment by obtaining good information about their employees to achieve expected or significant results.","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42443471","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 : 2022-12-04DOI: 10.21043/equilibrium.v10i2.16983
Andi Fariana, Alifia Nur Aisyah, S. S
This study aimed to determine the relationship between the financial performance of local revenue and the halal tourism sector in DKI Jakarta. This qualitative descriptive research analyzes the information obtained from the results of a study that has been carried out before and then is complemented by interviews with several competent parties. Then a literature review is carried out on various published texts such as local government reports, regional regulations, and other information. from government websites. Based on the search, it was found that there were strategic steps in developing halal tourism in DKI Jakarta, including concrete Implementation in the form of preparing various supporting facilities as well as various forms of innovation and sharia services in banking in the form of sharia schemes to support the multiple needs of halal tourism actors such as JakQR, JakOne to later JakCard. It was also found that there is quite a large amount of income for regional original income from the tourism sector in DKI Jakarta, but the percentage that comes from halal tourism has yet to be identified. The recommendation from this research is to stay focused on developing the potential of halal tourism in DKI Jakarta and the need to issue Regional Regulations immediately.
{"title":"The Relationship Between Halal Tourism Development And Regional Original Income in Indonesia","authors":"Andi Fariana, Alifia Nur Aisyah, S. S","doi":"10.21043/equilibrium.v10i2.16983","DOIUrl":"https://doi.org/10.21043/equilibrium.v10i2.16983","url":null,"abstract":"This study aimed to determine the relationship between the financial performance of local revenue and the halal tourism sector in DKI Jakarta. This qualitative descriptive research analyzes the information obtained from the results of a study that has been carried out before and then is complemented by interviews with several competent parties. Then a literature review is carried out on various published texts such as local government reports, regional regulations, and other information. from government websites. Based on the search, it was found that there were strategic steps in developing halal tourism in DKI Jakarta, including concrete Implementation in the form of preparing various supporting facilities as well as various forms of innovation and sharia services in banking in the form of sharia schemes to support the multiple needs of halal tourism actors such as JakQR, JakOne to later JakCard. It was also found that there is quite a large amount of income for regional original income from the tourism sector in DKI Jakarta, but the percentage that comes from halal tourism has yet to be identified. The recommendation from this research is to stay focused on developing the potential of halal tourism in DKI Jakarta and the need to issue Regional Regulations immediately.","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48898934","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 : 2022-12-04DOI: 10.21043/equilibrium.v10i2.16734
S. Lahuri, S. Kaffah, A. A. Mahfudz, Ainun Amalia Zuhroh
In 2019 BWUT MUI DIY managed to raise waqf funds of Rp.627,352,991 with a wakif number of 1854 people. But there is a difference in increased Rp. 27,352,991 of 174 wakifs in 2 years by BWUT MUI DIY. These problems are influenced by professionalism in the management of cash waqf. In addition, there is still the management of waqf institutions that are less than ideal and by GCG principles. This study aimed to determine the effect of each direction of GCG in waqf management on wakif trust. This research is quantitative by sample waqf in BWUT MUI DIY. The data was obtained by questionnaire and analyzed using SEM-PLS supported by the SmartPLS 3.0 application software. The findings in this study indicate that the transparency variable has three t-statistics greater than 1.64, so it can be identified as significant to wakif trust. While the independency variable has an OSE value of -0.341 which means it is negative with a t-statistic greater than 1.64, this result indicates that the better the implementation of independence. And the accountability variable does not affect wakif trust by a t-statistic value of 0.458. However, the transparency variable can be interpreted that the better the implementation of the GCG principle in the waqf institution impacted to increasing the level of wakif trust.
2019年，BWUT MUI DIY成功筹集了627352991卢比的宗教基金，人数为1854人。但BWUT MUI DIY在2年内增加了174个瓦基夫中的27352991卢比，这是有差异的。这些问题是受现金基金管理专业性的影响。此外，宗教基金机构的管理仍不理想，不符合GCG原则。本研究旨在确定GCG在宗教基金管理中的各个方向对wakif信托的影响。本研究采用BWUT MUI DIY中的样本waqf进行定量研究。数据通过问卷调查获得，并使用SmartPLS 3.0应用软件支持的SEM-PLS进行分析。这项研究的结果表明，透明度变量有三个大于1.64的t统计量，因此它可以被确定为对wakif信任具有重要意义。虽然独立变量的OSE值为-0.341，这意味着它是负的，t统计量大于1.64，但这一结果表明独立性的实现越好。问责变量对wakif信任的t统计量值为0.458。然而，透明度变量可以解释为，宗教基金机构中GCG原则的实施越好，对提高瓦基夫信托水平产生了影响。
{"title":"Does GCG Implementation in BWUT (Badan Wakaf Uang Tunai) MUI DIY Affect Waqifs Trust?","authors":"S. Lahuri, S. Kaffah, A. A. Mahfudz, Ainun Amalia Zuhroh","doi":"10.21043/equilibrium.v10i2.16734","DOIUrl":"https://doi.org/10.21043/equilibrium.v10i2.16734","url":null,"abstract":"In 2019 BWUT MUI DIY managed to raise waqf funds of Rp.627,352,991 with a wakif number of 1854 people. But there is a difference in increased Rp. 27,352,991 of 174 wakifs in 2 years by BWUT MUI DIY. These problems are influenced by professionalism in the management of cash waqf. In addition, there is still the management of waqf institutions that are less than ideal and by GCG principles. This study aimed to determine the effect of each direction of GCG in waqf management on wakif trust. This research is quantitative by sample waqf in BWUT MUI DIY. The data was obtained by questionnaire and analyzed using SEM-PLS supported by the SmartPLS 3.0 application software. The findings in this study indicate that the transparency variable has three t-statistics greater than 1.64, so it can be identified as significant to wakif trust. While the independency variable has an OSE value of -0.341 which means it is negative with a t-statistic greater than 1.64, this result indicates that the better the implementation of independence. And the accountability variable does not affect wakif trust by a t-statistic value of 0.458. However, the transparency variable can be interpreted that the better the implementation of the GCG principle in the waqf institution impacted to increasing the level of wakif trust.","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45233851","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}
ABSTRACTPeople's consumption behavior initially had a rational principle. However, nowadays with changes in behavior patterns due to the entry of the era of globalization, it has an influence on all aspects of life, including consumption behavior patterns. Adolescents are one of the groups who are affected by this and adolescence is an age that is very vulnerable to being affected by social changes that occur around them, including in terms of consumption behavior. The purpose of this study was to analyze the influence of lifestyle, socioeconomic status of parents on the consumptive behavior of generation Z in Madiun city. This research method is associative research with a quantitative approach. This study used a sample of 100 adolescents in the city of Madiun in the age range of 15-25 years. The data collection technique in this study was using a questionnaire, while the initial observation used an interview technique to determine the consumption behavior of adolescents. The results of this study indicate that partially and simultaneously there is a positive and significant influence between lifestyle, peer conformity and the socioeconomic status of parents on the consumptive behavior of Generation Z in Madiun City. ABSTRAKPerilaku konsumsi masyarakat pada awalnya memiliki prinsip rasional. Namun, sekarang ini dengan adanya perubahan pola perilaku akibat masuknya era globalisasi membawa pengaruh terhadap segala aspek kehidupan tidak terkecuali pola perilaku knsumsi. Usia remaja salah satu kalangan yang ikut terdampak atas hal tersebut dan usia remaja merupakan usia yang sangat rentan terpengaruh oleh perubahan-perubahan sosial yang terjadi disekitarnya termasuk dalam hal perilaku konsumsinya. Tujuan penelitian ini adalah untuk menganalisis pengaruh gaya hidup, status sosial ekonomi orang tua terhadap perilaku konsumtif generasi Z di kota Madiun. Metode penelitian ini adalah penelitian asosiatif dengan pendekatan kuantitatif. Penelitian ini menggunakan sampel sebanyak 100 rejama di kota Madiun pada rentang usia 15-25 tahun. Teknik pengumpulan data dalam penelitian ini yaitu menggunakan kuesioner sedangkan observasi awal menggunakan teknik wawancara untuk mengetahui perilaku konsumsi remaja. Hasil penelitian ini menunjukkan bahwa secara parsial dan simultan terdapat pengaruh positif dan signifikan antara gaya hidup, konformitas teman sebaya dan status sosial ekonomi orang tua terhadap perilaku konsumtif generasi Z di kota Madiun.
摘要人的消费行为最初具有理性原则。然而，如今随着全球化时代的进入，人们的行为模式发生了变化，影响到了生活的方方面面，包括消费行为模式。青少年是受其影响的群体之一，青少年是一个非常容易受到周围发生的社会变化影响的年龄段，包括消费行为。本研究的目的是分析生活方式、父母的社会经济地位对马甸市Z世代消费行为的影响。这种研究方法是结合定量方法的联想研究。本研究选取了马迪翁市100名年龄在15-25岁之间的青少年作为样本。本研究的数据收集技术采用问卷调查法，初步观察采用访谈法确定青少年的消费行为。本研究结果表明，生活方式、同伴从众、父母社会经济地位对马甸市Z世代消费行为存在部分且显著的正向影响。[摘要][摘要]植物生长发育的机理与机理。Namun, sekarang ini dengan adanya perubahan pola perakaku akibat masuknya era globisissi membawa pengaru terhadap segala, kehidupan tiak terkecuali pola perakaku knsumsi。这句话的意思是:“我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是我的意思。”图juan penelitian ini adalah untuk menganalis pengaruh gaya hidup，社会经济地位，社会经济地位，社会经济地位。penpentian的用法和样例:penpentian的用法和样例:Penelitian ini menggunakan样品sebanyak 100 rejama di kota Madiun pada rentang usia 15-25 tahun。北京气象台，北京气象台，北京气象台，北京气象台，北京气象台，北京气象台，北京气象台，北京气象台，北京气象台，北京气象台，北京气象台，北京气象台。Hasil penelitian ini menunjukkan bahwa secara parsial dan simultan penaru penaru积极意义上说，antara gaya hidup, konformitas teman和sebaya danstatus社会经济地位，以及perhadap peraku消费generaszdi kota Madiun。
{"title":"Pengaruh Gaya Hidup, Konformitas Teman Sebaya dan Status Sosial Ekonomi Orang Tua Terhadap Perilaku Konsumtif Pada Generasi Z di Kota Madiun","authors":"Novita Febriyanty, M. Faizin","doi":"10.37058/jes.v7i2.5482","DOIUrl":"https://doi.org/10.37058/jes.v7i2.5482","url":null,"abstract":"ABSTRACTPeople's consumption behavior initially had a rational principle. However, nowadays with changes in behavior patterns due to the entry of the era of globalization, it has an influence on all aspects of life, including consumption behavior patterns. Adolescents are one of the groups who are affected by this and adolescence is an age that is very vulnerable to being affected by social changes that occur around them, including in terms of consumption behavior. The purpose of this study was to analyze the influence of lifestyle, socioeconomic status of parents on the consumptive behavior of generation Z in Madiun city. This research method is associative research with a quantitative approach. This study used a sample of 100 adolescents in the city of Madiun in the age range of 15-25 years. The data collection technique in this study was using a questionnaire, while the initial observation used an interview technique to determine the consumption behavior of adolescents. The results of this study indicate that partially and simultaneously there is a positive and significant influence between lifestyle, peer conformity and the socioeconomic status of parents on the consumptive behavior of Generation Z in Madiun City. ABSTRAKPerilaku konsumsi masyarakat pada awalnya memiliki prinsip rasional. Namun, sekarang ini dengan adanya perubahan pola perilaku akibat masuknya era globalisasi membawa pengaruh terhadap segala aspek kehidupan tidak terkecuali pola perilaku knsumsi. Usia remaja salah satu kalangan yang ikut terdampak atas hal tersebut dan usia remaja merupakan usia yang sangat rentan terpengaruh oleh perubahan-perubahan sosial yang terjadi disekitarnya termasuk dalam hal perilaku konsumsinya. Tujuan penelitian ini adalah untuk menganalisis pengaruh gaya hidup, status sosial ekonomi orang tua terhadap perilaku konsumtif generasi Z di kota Madiun. Metode penelitian ini adalah penelitian asosiatif dengan pendekatan kuantitatif. Penelitian ini menggunakan sampel sebanyak 100 rejama di kota Madiun pada rentang usia 15-25 tahun. Teknik pengumpulan data dalam penelitian ini yaitu menggunakan kuesioner sedangkan observasi awal menggunakan teknik wawancara untuk mengetahui perilaku konsumsi remaja. Hasil penelitian ini menunjukkan bahwa secara parsial dan simultan terdapat pengaruh positif dan signifikan antara gaya hidup, konformitas teman sebaya dan status sosial ekonomi orang tua terhadap perilaku konsumtif generasi Z di kota Madiun.","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":"23 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80403272","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}
Gold pawn financing is one of the financing that the public is interested in. the gold pawn financing has a lower risk than other financing product, because the collateral has been held by creditor, stable gold price and gold price tend to rise. With a low risk profile, several Islamic financial institutions are interested to provide this financing product, including BJB Sharia Bank and BSI Bank. The profit taken by the bank named ujrah. BJB Shariah Bank dan BSI bank has a different mechanism to calculate the ujrah. The rules regarding sharia gold pawn financing have been regulated in fatwa DSN-MUI number 25 in 2002 about rahn and number 26 in 2002 about gold rahn. This regulation should be used as the guideline for financial institutions that provides gold pawn financing.
{"title":"Perbandingan Mekanisme Penentuan Ujroh Pembiayaan Gadai Emas Syariah di Bank BJBS dan Bank BSI","authors":"T. Wijaya, Agus Ahmad Nasrulloh","doi":"10.37058/jes.v7i2.5684","DOIUrl":"https://doi.org/10.37058/jes.v7i2.5684","url":null,"abstract":"Gold pawn financing is one of the financing that the public is interested in. the gold pawn financing has a lower risk than other financing product, because the collateral has been held by creditor, stable gold price and gold price tend to rise. With a low risk profile, several Islamic financial institutions are interested to provide this financing product, including BJB Sharia Bank and BSI Bank. The profit taken by the bank named ujrah. BJB Shariah Bank dan BSI bank has a different mechanism to calculate the ujrah. The rules regarding sharia gold pawn financing have been regulated in fatwa DSN-MUI number 25 in 2002 about rahn and number 26 in 2002 about gold rahn. This regulation should be used as the guideline for financial institutions that provides gold pawn financing.","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":"22 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82760517","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 effectiveness of the 2021 UPZ scholarship program for its recipients, namely North Sumatra UIN students. This research is a quantitative descriptive method by distributing questionnaires to students receiving UPZ scholarships in 2021 and obtained 50 people as research samples. The results show that the effectiveness of the 2021 UPZ Scholarship program for North Sumatra UIN students has been running effectively because it has received a percentage of 79.59% which has exceeded the 61% figure which is the benchmark that a program can be said to be effective if it exceeds that percentage. This scholarship is given for the collection of zakat funds for all lecturers and workers in the State Islamic University of North Sumatra. The distribution of zakat funds can be carried out if there are mustahik groups in the environment or related agencies.
{"title":"Analisis Efektivitas Program Beasiswa UPZ Tahun 2021 pada Mahasiswa UIN Sumatera Utara","authors":"Rija Aini, Reni Ria Armayani, Bella Septiani, Sri Rahmawati Isnaini Ginting, Wina Aprillia","doi":"10.37058/jes.v7i2.4366","DOIUrl":"https://doi.org/10.37058/jes.v7i2.4366","url":null,"abstract":"This study aims to determine the effectiveness of the 2021 UPZ scholarship program for its recipients, namely North Sumatra UIN students. This research is a quantitative descriptive method by distributing questionnaires to students receiving UPZ scholarships in 2021 and obtained 50 people as research samples. The results show that the effectiveness of the 2021 UPZ Scholarship program for North Sumatra UIN students has been running effectively because it has received a percentage of 79.59% which has exceeded the 61% figure which is the benchmark that a program can be said to be effective if it exceeds that percentage. This scholarship is given for the collection of zakat funds for all lecturers and workers in the State Islamic University of North Sumatra. The distribution of zakat funds can be carried out if there are mustahik groups in the environment or related agencies.","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":"17 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80179592","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}
Tujuan penelitian ini adalah untuk melihat pengaruh Sukuk Korporasi, Zakat, dan Inflasi terhadap PDB di Indonesia pada tahun 2006-2020. Metode penelitian menggunakan pendekatan kuantitatif dengan data sekunder menggunakan teknik analisis regresi linier berganda dan eviews. Dengan nilai probabilitas 0.2223 0.05, sedangkan variabel Zakat berpengaruh signifikan terhadap PDB di Indonesia dengan nilai probabilitas 0.0002 0.05, dan variabel Inflasi berpengaruh tidak signifikan terhadap PDB di Indonesia dengan nilai probabilitas 0.7784 0.05. Selanjutnya, variabel Sukuk Korporasi, Zakat dan Inflasi secara simultan memiliki pengaruh signifikan terhadap PDB di Indonesia dengan nilai Prob(F-statistic) 0.000303 0.05. Hal ini memiliki makna bahwa variabel Sukuk Korporasi, Zakat dan Inflasi mampu menjelaskan variasi dari PDB sebesar 80,7110% dan sisanya sebesar 19,289% variasi variabel PDB dijelaskan oleh variabel lain diluar penelitian. Artinya semakin baik Sukuk Korporasi, Zakat, dan Inflasi maka semakin meningkatkan jumlah PDB di Indonesia.Kata Kunci: PDB; Sukuk Korporasi; Zakat; Inflasi
{"title":"Pengaruh Sukuk Korporasi, Zakat dan Inflasi Terhadap PDB di Indonesia Tahun 2006-2020","authors":"Muhamad Ridho, Elin Yulistiyani, Elis Nurhasanah","doi":"10.37058/jes.v7i2.5048","DOIUrl":"https://doi.org/10.37058/jes.v7i2.5048","url":null,"abstract":"Tujuan penelitian ini adalah untuk melihat pengaruh Sukuk Korporasi, Zakat, dan Inflasi terhadap PDB di Indonesia pada tahun 2006-2020. Metode penelitian menggunakan pendekatan kuantitatif dengan data sekunder menggunakan teknik analisis regresi linier berganda dan eviews. Dengan nilai probabilitas 0.2223 0.05, sedangkan variabel Zakat berpengaruh signifikan terhadap PDB di Indonesia dengan nilai probabilitas 0.0002 0.05, dan variabel Inflasi berpengaruh tidak signifikan terhadap PDB di Indonesia dengan nilai probabilitas 0.7784 0.05. Selanjutnya, variabel Sukuk Korporasi, Zakat dan Inflasi secara simultan memiliki pengaruh signifikan terhadap PDB di Indonesia dengan nilai Prob(F-statistic) 0.000303 0.05. Hal ini memiliki makna bahwa variabel Sukuk Korporasi, Zakat dan Inflasi mampu menjelaskan variasi dari PDB sebesar 80,7110% dan sisanya sebesar 19,289% variasi variabel PDB dijelaskan oleh variabel lain diluar penelitian. Artinya semakin baik Sukuk Korporasi, Zakat, dan Inflasi maka semakin meningkatkan jumlah PDB di Indonesia.Kata Kunci: PDB; Sukuk Korporasi; Zakat; Inflasi","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":"33 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"91171484","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}
Religiusitas merupakan salah satu faktor yang mempengaruhi kesadaran halal masyarakat muslim. Artikel ini merupakan hasil survei dari sebuah komunitas yang dikenal religiositasnya, yaitu masyarakat Pamekasan, Madura, Jawa Timur. Artikel ini bertujuan untuk mendeskripsikan bagaimana religiusitas tercermin dalam perilaku masyarakat khususnya mengenai kesadaran akan kehalalan makanan yang dikonsumsi atau sebaliknya yaitu masyarakat kurang berhati-hati karena berada di lingkungan yang sangat religius. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Metode analisisnya adalah deskriptif. Jenis data dalam penelitian ini adalah data primer yang diperoleh dengan menggunakan metode pengumpulan data berupa angket yang dibagikan kepada 114 mahasiswa muslim di Pamekasan. Sebagai pengantar, penulis mencoba mendeskripsikan kentalnya Islam di Madura, khususnya di PamekasanJawa Timur. Ditemukan bahwa pengetahuan mahasiswa muslim di Pamekasan Jawa Timur tentang konsep halal, istilah bahan makanan non halal, memperhatikan logo halal, pengenalan logo halal resmi, dan kecenderungan memperhatikan komposisi produk yang tidak berlabel halal sudah tinggi.
{"title":"Analisis Halal Awareness Mahasiswa Muslim terhadap Makanan Halal di Pamekasan, Madura, Jawa Timur","authors":"Achmad Jufri","doi":"10.37058/jes.v7i2.5368","DOIUrl":"https://doi.org/10.37058/jes.v7i2.5368","url":null,"abstract":"Religiusitas merupakan salah satu faktor yang mempengaruhi kesadaran halal masyarakat muslim. Artikel ini merupakan hasil survei dari sebuah komunitas yang dikenal religiositasnya, yaitu masyarakat Pamekasan, Madura, Jawa Timur. Artikel ini bertujuan untuk mendeskripsikan bagaimana religiusitas tercermin dalam perilaku masyarakat khususnya mengenai kesadaran akan kehalalan makanan yang dikonsumsi atau sebaliknya yaitu masyarakat kurang berhati-hati karena berada di lingkungan yang sangat religius. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Metode analisisnya adalah deskriptif. Jenis data dalam penelitian ini adalah data primer yang diperoleh dengan menggunakan metode pengumpulan data berupa angket yang dibagikan kepada 114 mahasiswa muslim di Pamekasan. Sebagai pengantar, penulis mencoba mendeskripsikan kentalnya Islam di Madura, khususnya di PamekasanJawa Timur. Ditemukan bahwa pengetahuan mahasiswa muslim di Pamekasan Jawa Timur tentang konsep halal, istilah bahan makanan non halal, memperhatikan logo halal, pengenalan logo halal resmi, dan kecenderungan memperhatikan komposisi produk yang tidak berlabel halal sudah tinggi. ","PeriodicalId":31771,"journal":{"name":"Equilibrium Jurnal Ekonomi Syariah","volume":"27 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81252568","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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