Pub Date : 2019-05-26DOI: 10.29240/ALFALAH.V4I1.771
Marlya Fatira, Anriza Witi Nasution
Purpose: The Paper is to study the Ability of micro waqf bank (BWM) in boosting The Welfare of Community Business Group at the Islamic Boarding School.Design/Method/Approach : This study uses a descriptive analysis. It intensively Implemented a qualitative approach to obtain information and collected the data needed through conducting interviews directly with informants. Both Observation and library study also applied to extent the secondary data. These methods were conducted to look at the Micro waqf bank model in Islamic boarding schools in Java of whether is able in boosting The Welfare of Business Community around the Islamic boarding school.Findings: The Islamic Boarding School-based Micro-Waqf Bank Model in Java that was applied for community empowerment was carried out a productive financing models in order to make communities able to manage the business--with a financing value of 1-3 million rupiah, within a maximum period of 1 year and payment per week with a maximum margin value equal to 3%. Building a Micro Waqf Bank in the Pesantren can perform through collecting a set of data of cooperative business entities in boarding schools, obtaining LKMS business licenses, obtaining funding for the establishment of BMW, selecting financing customers, and conducting training for selected customers of BWM financing.Originality/Values: The main contribution of this study concern on filling the gap of how the micro bank of waqf efectivelly boost the welfare the bussiness community in pesantren.
{"title":"Boosting The Welfare of Business Community: Implementing The Model of Islamic Micro Bank of Waqf in Pesantren","authors":"Marlya Fatira, Anriza Witi Nasution","doi":"10.29240/ALFALAH.V4I1.771","DOIUrl":"https://doi.org/10.29240/ALFALAH.V4I1.771","url":null,"abstract":"Purpose: The Paper is to study the Ability of micro waqf bank (BWM) in boosting The Welfare of Community Business Group at the Islamic Boarding School.Design/Method/Approach : This study uses a descriptive analysis. It intensively Implemented a qualitative approach to obtain information and collected the data needed through conducting interviews directly with informants. Both Observation and library study also applied to extent the secondary data. These methods were conducted to look at the Micro waqf bank model in Islamic boarding schools in Java of whether is able in boosting The Welfare of Business Community around the Islamic boarding school.Findings: The Islamic Boarding School-based Micro-Waqf Bank Model in Java that was applied for community empowerment was carried out a productive financing models in order to make communities able to manage the business--with a financing value of 1-3 million rupiah, within a maximum period of 1 year and payment per week with a maximum margin value equal to 3%. Building a Micro Waqf Bank in the Pesantren can perform through collecting a set of data of cooperative business entities in boarding schools, obtaining LKMS business licenses, obtaining funding for the establishment of BMW, selecting financing customers, and conducting training for selected customers of BWM financing.Originality/Values: The main contribution of this study concern on filling the gap of how the micro bank of waqf efectivelly boost the welfare the bussiness community in pesantren.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124059335","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 : 2018-12-28DOI: 10.29240/ALFALAH.V3I2.535
Ma’fiyah Ma’fiyah, S. A. Yughi, Taufik Awaludin
This study aims to identify the dominant factors that influence muzakki in choosing to pay zakat to formal zakat institutions in aspects of individual and institutional perspectives and provide recommendations related to efforts to increase the collection of zakat funds from the community. The research method used is descriptive, factor and mean analysis. Descriptive analysis was used to explain the demographics of respondents while factor analysis and mean analysis were used to obtain the dominant factors affecting muzakki in paying zakat to the Formal Zakat Institution. The results of the study get in the aspect of individual perspective that predominantly influence muzakki paying zakat to formal zakat institutions sequentially is the knowledge of zakat, faith and religiosity as well as awareness and trust while in the perspective of institutional perspectives are management credibility, institutional credibility, service quality and socialization. The advice given is formal institution zakat amil must professionally manage the institution and have standard operating procedures especially related to the procedure of receiving zakat and commitment to implement it properly. In addition, zakat institutions must inform the general profile of the institution and report on zakat funds regularly. Zakat institutions also have the best online payment facilities.
{"title":"Preferensi Muzakki Dalam Memilih Membayar Zakat di Lembaga Zakat Formal","authors":"Ma’fiyah Ma’fiyah, S. A. Yughi, Taufik Awaludin","doi":"10.29240/ALFALAH.V3I2.535","DOIUrl":"https://doi.org/10.29240/ALFALAH.V3I2.535","url":null,"abstract":"This study aims to identify the dominant factors that influence muzakki in choosing to pay zakat to formal zakat institutions in aspects of individual and institutional perspectives and provide recommendations related to efforts to increase the collection of zakat funds from the community. The research method used is descriptive, factor and mean analysis. Descriptive analysis was used to explain the demographics of respondents while factor analysis and mean analysis were used to obtain the dominant factors affecting muzakki in paying zakat to the Formal Zakat Institution. The results of the study get in the aspect of individual perspective that predominantly influence muzakki paying zakat to formal zakat institutions sequentially is the knowledge of zakat, faith and religiosity as well as awareness and trust while in the perspective of institutional perspectives are management credibility, institutional credibility, service quality and socialization. The advice given is formal institution zakat amil must professionally manage the institution and have standard operating procedures especially related to the procedure of receiving zakat and commitment to implement it properly. In addition, zakat institutions must inform the general profile of the institution and report on zakat funds regularly. Zakat institutions also have the best online payment facilities.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"82 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124442122","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 : 2018-12-28DOI: 10.29240/alfalah.v3i2.561
Deni Hidayat
The purpose of this study is to examine the effect of corporate governance and sharia compliance on firm value at the time of initial public offering at Indonesia Stock Exchange. To measure the quality of corporate governance an index is developed based on regulations issued by Financial Service Authority (OJK) and Indonesia Stock Exchange as guidelines. The data used in this study are obtained from prospectus of companies that conducted initial public offering at Indonesia Stock Exchange within period of 2013 to 2016. Using purposive sampling method, 56 companies obtained to be used as research sample and then multiple linear regression is used to test the hypothesis. The result show that there is a positive and significant effect of corporate governance on firm value, indicating that companies with better corporate governance have higher valuation at the time of IPO, while the sharia compliance is not associated with firm value.
{"title":"Pengaruh Corporate Governance dan Sharia Compliance Terhadap Nilai Perusahaan Dalam Penawaran Saham Perdana (Initial Public Offering) Pada Bursa Efek Indonesia","authors":"Deni Hidayat","doi":"10.29240/alfalah.v3i2.561","DOIUrl":"https://doi.org/10.29240/alfalah.v3i2.561","url":null,"abstract":"The purpose of this study is to examine the effect of corporate governance and sharia compliance on firm value at the time of initial public offering at Indonesia Stock Exchange. To measure the quality of corporate governance an index is developed based on regulations issued by Financial Service Authority (OJK) and Indonesia Stock Exchange as guidelines. The data used in this study are obtained from prospectus of companies that conducted initial public offering at Indonesia Stock Exchange within period of 2013 to 2016. Using purposive sampling method, 56 companies obtained to be used as research sample and then multiple linear regression is used to test the hypothesis. The result show that there is a positive and significant effect of corporate governance on firm value, indicating that companies with better corporate governance have higher valuation at the time of IPO, while the sharia compliance is not associated with firm value.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"51 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132111685","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 : 2018-12-28DOI: 10.29240/alfalah.v3i2.638
Ika Rahayu, H. Hendrianto
Increasingly better risk mitigation will help realize the objectives of the BPRS, namely to improve the economy of the lower middle class. BPRS as one of the microfinance institutions must be faced with risks, especially financing risks. The purpose of this study is to find out the risk mitigation actions carried out by BPRS SAFIR in order to minimize risks properly. This research is a field research (field research) that uses a qualitative approach withmethod descriptive analysis. Data collection used is interviews with accounting staff and secondary data from the literature related to risk in BPRS. The analysis technique used is to classify the data obtained with each category which is then analyzed. The results of this study are: There are several stages of financing procedures at BPRS SAFIR, first is the submission of a financing application, the second is submission of the file to the Account Officer; Third initial survey by the Account Officer in charge, Fourth follow-up survey with several Account Officers; The five decisions on funding by branch managers, the sixth realization decision. The financing risk faced by BPRS SAFIR is credit risk and strategic risk, these two risks are also prioritized by BPRS SAFIR because they are caused by both partners. The mitigation measures of BPRS SAFIR in reducing risk are carried out by:First, establishing certain conditions for each financing that must be met by prospective recipients of financing facilities.The two binding guarantees are fixed assets and movable assets. Third, do monitoring periodic.
{"title":"Mitigasi Risiko Pembiayaan Pada Bank Perkreditan Rakyat Syariah (BPRS) Safir Cabang Curup Kabupaten Rejang Lebong","authors":"Ika Rahayu, H. Hendrianto","doi":"10.29240/alfalah.v3i2.638","DOIUrl":"https://doi.org/10.29240/alfalah.v3i2.638","url":null,"abstract":"Increasingly better risk mitigation will help realize the objectives of the BPRS, namely to improve the economy of the lower middle class. BPRS as one of the microfinance institutions must be faced with risks, especially financing risks. The purpose of this study is to find out the risk mitigation actions carried out by BPRS SAFIR in order to minimize risks properly. This research is a field research (field research) that uses a qualitative approach withmethod descriptive analysis. Data collection used is interviews with accounting staff and secondary data from the literature related to risk in BPRS. The analysis technique used is to classify the data obtained with each category which is then analyzed. The results of this study are: There are several stages of financing procedures at BPRS SAFIR, first is the submission of a financing application, the second is submission of the file to the Account Officer; Third initial survey by the Account Officer in charge, Fourth follow-up survey with several Account Officers; The five decisions on funding by branch managers, the sixth realization decision. The financing risk faced by BPRS SAFIR is credit risk and strategic risk, these two risks are also prioritized by BPRS SAFIR because they are caused by both partners. The mitigation measures of BPRS SAFIR in reducing risk are carried out by:First, establishing certain conditions for each financing that must be met by prospective recipients of financing facilities.The two binding guarantees are fixed assets and movable assets. Third, do monitoring periodic.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124770171","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 : 2018-12-28DOI: 10.29240/alfalah.v3i2.522
Musawar Musawar
This paper studies the views of Sasaknese Muslim Scholars toward the Hybrid Contract, in Lombok Island Indonesia in terms of their argumentations, typologies, and applications which becomes confusion in the society. The paper argues that problem in the transaction exists clearly. It is because of the limited meaning of Riba which is very strict that raises the society to fear to do the both in individual and group transactions since Riba have been prohibited by Al-Qur’an. While, the globalization of economic world rapidly runs which people must catch up with it. Then, related to the financial aspect of the Islamic teaching is tasted that it is running at its place. Hence, it needs to the solution. One of the solutions is applying Hybrid Contract in the view of TGH where they are very influential the life of society. Moreover, Lombok island is popularly known as thousands mosque island and soon as being seen from different references and facts. Consequently, for understanding the above phenomenon, the researcher used qualitative approach, juridical approach, and sociology by collecting data through observation, and interview to know typology Muslim scholars about hybrid contract by a hope to be the contributions for the government to take a policy. .
{"title":"The Typology of Sasaknese Muslim Scholars’ Views in Lombok toward the Hybrid Contract as a Problem-Solving in Islamic Finance","authors":"Musawar Musawar","doi":"10.29240/alfalah.v3i2.522","DOIUrl":"https://doi.org/10.29240/alfalah.v3i2.522","url":null,"abstract":"This paper studies the views of Sasaknese Muslim Scholars toward the Hybrid Contract, in Lombok Island Indonesia in terms of their argumentations, typologies, and applications which becomes confusion in the society. The paper argues that problem in the transaction exists clearly. It is because of the limited meaning of Riba which is very strict that raises the society to fear to do the both in individual and group transactions since Riba have been prohibited by Al-Qur’an. While, the globalization of economic world rapidly runs which people must catch up with it. Then, related to the financial aspect of the Islamic teaching is tasted that it is running at its place. Hence, it needs to the solution. One of the solutions is applying Hybrid Contract in the view of TGH where they are very influential the life of society. Moreover, Lombok island is popularly known as thousands mosque island and soon as being seen from different references and facts. Consequently, for understanding the above phenomenon, the researcher used qualitative approach, juridical approach, and sociology by collecting data through observation, and interview to know typology Muslim scholars about hybrid contract by a hope to be the contributions for the government to take a policy. \u0000.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123992876","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}
Islamic economics has been practiced since the time of the Prophet Muhammad, but at that time until several centuries later there is no classification of specific disciplines for economics, causing some Muslim works lost by the western historians drowned. Therefore it is necessary to study the classical Islamic economic thinking. This paper aims to review Abu Hanifah's economic ideas by comparing it with the opinion of some scholars and match whether Abu Hanifah's thoughts can be used today. The method used is literature research with documentary method to collect data. The results of this study, that Abu Hanifah does not have a special idea in the economy but has a special view in every akqqhatat fiqh such as greetings, charity honey, and hawalah. Some of Abu Hanifah's opinions are different from other priests causing a Muslim today to sort out the khilafiyah.
{"title":"Analisis Pemikiran Ekonomi Islam Imam Abu Hanifah","authors":"Nabila Zatadini, Mohammad Ghozali","doi":"10.29240/JIE.V3I1.404","DOIUrl":"https://doi.org/10.29240/JIE.V3I1.404","url":null,"abstract":"Islamic economics has been practiced since the time of the Prophet Muhammad, but at that time until several centuries later there is no classification of specific disciplines for economics, causing some Muslim works lost by the western historians drowned. Therefore it is necessary to study the classical Islamic economic thinking. This paper aims to review Abu Hanifah's economic ideas by comparing it with the opinion of some scholars and match whether Abu Hanifah's thoughts can be used today. The method used is literature research with documentary method to collect data. The results of this study, that Abu Hanifah does not have a special idea in the economy but has a special view in every akqqhatat fiqh such as greetings, charity honey, and hawalah. Some of Abu Hanifah's opinions are different from other priests causing a Muslim today to sort out the khilafiyah.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"50 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126822799","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 classical scholars not only focus on the issue of ritual worship, but also pay attention to the economic problems of society and even indicated theories of modern conventional economics is the adoption of the results of their thinking. One of them is Ibn Taymiyyah. Its has inspired the market mechanism. Prices are handed over to businesses naturally, without being interfered with by the government. On the other hand religion gives authority to the government that must be obeyed by the ruler in taking care of them. This study uses the method of literature with the conclusion that in the free market, the price is considered by the strength of supply and demand. Free market runs fair, reasonable, likes the same likes and no distortion. However, the market mechanism is not always running perfectly, often distortion occurs. In this condition, the state's role as the supervisor of development morality is needed to make people aware that moral norms and ethical values are very important as the principle of development that must be implemented in the life of the economy. This means that Ibn Taymiyya'hs economic thought is in line with the duties and authorities of the ruler.
{"title":"Ekonomi Dan Penguasa (Pemikiran Ibn Taimiyah tentang Mekanisme Pasar)","authors":"Syarial Dedi","doi":"10.29240/jie.v3i1.442","DOIUrl":"https://doi.org/10.29240/jie.v3i1.442","url":null,"abstract":"The classical scholars not only focus on the issue of ritual worship, but also pay attention to the economic problems of society and even indicated theories of modern conventional economics is the adoption of the results of their thinking. One of them is Ibn Taymiyyah. Its has inspired the market mechanism. Prices are handed over to businesses naturally, without being interfered with by the government. On the other hand religion gives authority to the government that must be obeyed by the ruler in taking care of them. This study uses the method of literature with the conclusion that in the free market, the price is considered by the strength of supply and demand. Free market runs fair, reasonable, likes the same likes and no distortion. However, the market mechanism is not always running perfectly, often distortion occurs. In this condition, the state's role as the supervisor of development morality is needed to make people aware that moral norms and ethical values are very important as the principle of development that must be implemented in the life of the economy. This means that Ibn Taymiyya'hs economic thought is in line with the duties and authorities of the ruler.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121866723","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}
K. M. Ali, Meida Yuliani, S. Mulatsih, Zaki Abdullah
One of the most potential Islamic economic instruments in Indonesia to improve the quality of people's welfare is waqf. This is supported by the demographic condition of Indonesia which majority is Muslim with big potential of waqf. Practically, the optimization of the potential is not yet in maximum condition and productive. The priority analysis of problems, solutions and strategies in waqf management in Indonesia is done in this research in order to maximize priority to made waqf management is more productive. This study uses primary and secondary data using Analytical Network Process (ANP) method. The result of the analysis shows that the lack of competence and lack of nazhir professionalism become the priority of the internal waqf management problem. While the priority of external problems is the lack of society understanding about waqf and also regulations that are less supportive. Improving the competence, guidance and mentoring of nazhir becomes the priority of internal solutions, while the priority of external solution is the optimization of the role of Badan Wakaf Indonesia (BWI) by improve the regulation by looking at the reality. Short term priority strategy that can be done is to socialize and educate about waqf to all elements.
{"title":"Aspek-Aspek Prioritas Manajemen Wakaf di Indonesia","authors":"K. M. Ali, Meida Yuliani, S. Mulatsih, Zaki Abdullah","doi":"10.29240/JIE.V3I1.345","DOIUrl":"https://doi.org/10.29240/JIE.V3I1.345","url":null,"abstract":"One of the most potential Islamic economic instruments in Indonesia to improve the quality of people's welfare is waqf. This is supported by the demographic condition of Indonesia which majority is Muslim with big potential of waqf. Practically, the optimization of the potential is not yet in maximum condition and productive. The priority analysis of problems, solutions and strategies in waqf management in Indonesia is done in this research in order to maximize priority to made waqf management is more productive. This study uses primary and secondary data using Analytical Network Process (ANP) method. The result of the analysis shows that the lack of competence and lack of nazhir professionalism become the priority of the internal waqf management problem. While the priority of external problems is the lack of society understanding about waqf and also regulations that are less supportive. Improving the competence, guidance and mentoring of nazhir becomes the priority of internal solutions, while the priority of external solution is the optimization of the role of Badan Wakaf Indonesia (BWI) by improve the regulation by looking at the reality. Short term priority strategy that can be done is to socialize and educate about waqf to all elements.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123831521","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 analyze the behavior of public consumption, the factors that encourage people to transact in the virtual market, and forecasting the type of the market in the future related by consumption behavior. Therefore, the analytical method used is descriptive statistical analysis. The results showed that in terms of characteristics of people who spend in the virtual market dominated by women, high school educated, and having aged between 21-30 years, sources of information through social media, and the type of goods is a fashion product. In terms of consumer behavior and the value of goods, generally consumers still doubt on the quality of goods sold in the virtual market. The reasons of shoppings are efficiency and effectiveness as well as availability of new products. Furthermore, in terms of consumption behavior and hypereality, people tend to browse despite the desire to buy goods quite low, consumer exposure in non-virtual market will decrease in stead of in the virtual market, and then some people still doubt the level of trust and security transact in the virtual market. Religious values are essential to improving people's morale in exploiting virtual markets
{"title":"Tinjauan Sosiologi Ekonomi Terhadap Perilaku Konsumsi Masyarakat Kota Makassar Pada Pasar Virtual","authors":"A. Anwar, Idris Parakkasi, B. Rusydi","doi":"10.29240/jie.v3i1.346","DOIUrl":"https://doi.org/10.29240/jie.v3i1.346","url":null,"abstract":"This study aims to analyze the behavior of public consumption, the factors that encourage people to transact in the virtual market, and forecasting the type of the market in the future related by consumption behavior. Therefore, the analytical method used is descriptive statistical analysis. The results showed that in terms of characteristics of people who spend in the virtual market dominated by women, high school educated, and having aged between 21-30 years, sources of information through social media, and the type of goods is a fashion product. In terms of consumer behavior and the value of goods, generally consumers still doubt on the quality of goods sold in the virtual market. The reasons of shoppings are efficiency and effectiveness as well as availability of new products. Furthermore, in terms of consumption behavior and hypereality, people tend to browse despite the desire to buy goods quite low, consumer exposure in non-virtual market will decrease in stead of in the virtual market, and then some people still doubt the level of trust and security transact in the virtual market. Religious values are essential to improving people's morale in exploiting virtual markets","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121237509","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 influence of psychographic factors that include activity, interest and opinion, as well as the religiosity factor to the decision to transact at the BNI Syariah Makassar. This type of research is quantitative research with correlational approach. The data used are primary data through direct questionnaire distribution, using non probability sampling and accidental sampling technique, totaling 56 samples. The respondents of this research are customers who use BNI Syariah products, then the analysis technique used is multiple regression. The result of this study indicates that the variables of activity, interest, opinion, and religiosity simultaneously affect the decision to transact at BNI Syariah Makassar. Partially, this research indicates that the variable of activity, opinion, and religiosity have an effect on the transaction decision, while the interest variable has no effect to the transaction decision at BNI Syariah Makassar. The implication of this research is that transaction activity in syariah bank has become activity which often done by society because the products owned by BNI Syariah Makassar bank have been able to support the society activity. The Society opinion on BNI Syariah bank is also positive, and the existence of BNI Syariah bank has become a solution for people who have high level of religiosity. To evaluate the issue of the society interest, BNI Syariah Makassar Bank should maximize the Information and Promotion media to attract the public interest.
{"title":"Psikografis dan Religiusitas dalam Bertransaksi Pada BNI Syariah Makassar","authors":"M. Amiruddin, M. Abdullah","doi":"10.29240/JIE.V3I1.347","DOIUrl":"https://doi.org/10.29240/JIE.V3I1.347","url":null,"abstract":"This study aims to determine the influence of psychographic factors that include activity, interest and opinion, as well as the religiosity factor to the decision to transact at the BNI Syariah Makassar. This type of research is quantitative research with correlational approach. The data used are primary data through direct questionnaire distribution, using non probability sampling and accidental sampling technique, totaling 56 samples. The respondents of this research are customers who use BNI Syariah products, then the analysis technique used is multiple regression. The result of this study indicates that the variables of activity, interest, opinion, and religiosity simultaneously affect the decision to transact at BNI Syariah Makassar. Partially, this research indicates that the variable of activity, opinion, and religiosity have an effect on the transaction decision, while the interest variable has no effect to the transaction decision at BNI Syariah Makassar. The implication of this research is that transaction activity in syariah bank has become activity which often done by society because the products owned by BNI Syariah Makassar bank have been able to support the society activity. The Society opinion on BNI Syariah bank is also positive, and the existence of BNI Syariah bank has become a solution for people who have high level of religiosity. To evaluate the issue of the society interest, BNI Syariah Makassar Bank should maximize the Information and Promotion media to attract the public interest.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"152 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116774293","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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