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Determinants of intention to use Islamic mobile banking: Evidence from millennial generation 使用伊斯兰手机银行意向的决定因素:来自千禧一代的证据
Pub Date : 2019-07-08 DOI: 10.20885/jeki.vol5.iss2.art2
M. Kholid
This research aims to identify factors affecting the intention of millennial customers to use the Islamic Mobile Banking (IMB). This research applies the Unified Theory of Acceptance and Use of Technology (UTAUT) with two additional variables namely perceived risk and perceived financial cost. The data of the research are from 142 respondents of the millennial generation. The research uses SmartPLS 2.0. The results reveal that the perceived risk and perceived financial cost significantly and negatively affect the intention to use the IMB. Meanwhile, the performance expectancy and effort expectancy significantly and positively affect the intention to use the IMB. The other two variables namely social influence and facilitating condition do not show any significant effect on the intention to use the IMB. Furthermore, this research discusses the impact of the results of the research, both in the theoretical and practical contexts.
本研究旨在确定影响千禧一代客户使用伊斯兰移动银行(IMB)意向的因素。本研究应用了技术接受和使用统一理论(UTAUT),并增加了两个变量,即感知风险和感知财务成本。这项研究的数据来自千禧一代的142名受访者。该研究使用SmartPLS 2.0。研究结果表明,感知风险和感知财务成本对使用IMB的意图产生了显著的负面影响。同时,绩效预期和努力预期对使用IMB的意愿有显著的正向影响。另外两个变量,即社会影响和便利条件,对使用IMB的意愿没有任何显著影响。此外,本研究还讨论了研究结果在理论和实践背景下的影响。
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引用次数: 15
Financial inequality nexus and Islamic banking 金融不平等关系与伊斯兰银行业
Pub Date : 2019-07-08 DOI: 10.20885/JEKI.VOL5.ISS2.ART1
Diyah Putriani, Prastowo Prastowo
This research aims to investigate the role of Islamic banking on income inequality reduction. The data of this research spans from 2010 to 2015 and investigate 49 Islamic banks from 13 selected countries. This study employs Panel data EGLS. To compare with other macroeconomic variable, this research involves GDP Per capita, and inflation as control variable. The estimation result shows that financial depth measured by total customer deposit to GDP ratio has negative relationship with income inequality. It perhaps occurs when there is an increase in income, customers prefer to save their additional income in Islamic banks. As customers increase their deposits, Islamic banks enlarge its financing on the prospect entrepreneurs. These entrepreneurs, afterwards, may expand their business and create new jobs. More new jobs offer means more people get stable income and as a result may reduce income inequality in the society.
本研究旨在调查伊斯兰银行业在减少收入不平等方面的作用。这项研究的数据跨度从2010年到2015年,调查了来自13个选定国家的49家伊斯兰银行。本研究采用专家组数据EGLS。为了与其他宏观经济变量进行比较,本研究将人均GDP和通货膨胀作为控制变量。估计结果表明,以客户存款总额与GDP之比衡量的金融深度与收入不平等呈负相关。这种情况可能发生在收入增加的时候,客户更喜欢将额外收入存到伊斯兰银行。随着客户增加存款,伊斯兰银行扩大了对潜在企业家的融资。之后,这些企业家可能会扩大业务并创造新的就业机会。提供更多的新工作意味着更多的人获得稳定的收入,从而可能减少社会中的收入不平等。
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引用次数: 2
Analysis of islamic banking financial performance before, during and after global financial crisis 全球金融危机前、中、后伊斯兰银行财务绩效分析
Pub Date : 2019-07-06 DOI: 10.20885/JEKI.VOL5.ISS2.ART5
Rifqi Muhammad, Condro Triharyono
The purpose of this study is to analyze the difference of the financial performance of Islamic banking before, during, and after global financial crisis. This study uses CAMEL ratios which consist of Capital, Asset quality, Management, Earning, and Liquidity ratio. The samples are Islamic banks in South-East Asia and East Asia using secondary data from financial statements of those Islamic banks before (2006-2007), during (2008), and after (2009-2010) global financial crisis. This study examines the hypotheses using Analysis of Variance (ANOVA) as analytical tool. This result shows that there are differences performance on the variables of capital, asset quality, management and earning measured by return of asset (ROA) while earning measured by operating expense ratio (OER) and liquidity do not indicate any differences in financial performance during the period. Thus, banks need to strengthen their liability side during a financial crisis.
本研究的目的是分析伊斯兰银行在全球金融危机之前、期间和之后的财务绩效差异。本研究使用CAMEL比率,由资本、资产质量、管理、盈余和流动比率组成。样本是东南亚和东亚的伊斯兰银行,使用的二手数据来自这些伊斯兰银行在全球金融危机之前(2006-2007)、期间(2008)和之后(2009-2010)的财务报表。本研究使用方差分析(ANOVA)作为分析工具来检验假设。这一结果表明,在资本、资产质量、管理和以资产收益率(ROA)衡量的收益变量上存在差异,而以营业费用率(OER)和流动性衡量的收益并未表明期间财务绩效存在差异。因此,在金融危机期间,银行需要加强负债方面的能力。
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引用次数: 12
The influence of macroeconomics and population in country of origin on tourist arrivals to Indonesia 宏观经济和原籍国人口对印尼游客的影响
Pub Date : 2019-07-01 DOI: 10.20885/JEKI.VOL5.ISS2.ART4
R. N. F. Amijaya, M. Sholikhin, Bayu Arie Fianto
This study aims giving an evaluation to develop the government and tourism agencies performance, which provides services, facilities, and infrastructures, whom Muslim-friendly, to attract the interest of Muslim tourist, that contributes to economic growth in Indonesia. It uses quantitative methods to examine the influence of macroeconomy and population in country of origin towards tourist arrivals to Indonesia. Regression panel data is used to examine the combination of time series from 2012-2017, and 5 countries from OIC, become cross-section data. It can be concluded that macroeconomy is not significant, while the population is significant towards Muslim tourist arrivals with 96% level influence. Therefore, the increasing of population from country of origin will rise tourist arrivals to Indonesia, which contributes to economic growth in Indonesia.
本研究旨在评估政府和旅游机构的绩效,提供对穆斯林友好的服务、设施和基础设施,以吸引穆斯林游客的兴趣,从而促进印度尼西亚的经济增长。它使用定量方法来检查宏观经济和人口在原籍国对游客抵达印度尼西亚的影响。回归面板数据用于检验2012-2017年的时间序列组合,并将OIC的5个国家作为截面数据。可以看出,宏观经济对穆斯林游客的影响不显著,而人口对穆斯林游客的影响显著,影响程度为96%。因此,来自原籍国的人口的增加将增加到印度尼西亚的游客人数,这有助于印度尼西亚的经济增长。
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引用次数: 1
Analisis pengaruh faktor internal bank dan eksternal terhadap Non-Performing Financing (NPF) pada Bank Perkreditan Rakyat Syariah di Indonesia
Pub Date : 2019-02-26 DOI: 10.20885/JEKI.VOL5.ISS1.ART6
Rindang Nuri Isnaini Nugrohowati, Syafrildha Bimo
This study aims to determine the internal and macroeconomic factors that influence Non-Performing Financing (NPF) of BPRS (Sharia Rural Banks) in Indonesia. Data analysis method used in this study is panel data regression by taking a sample of 54 BPRS from 2012 to 2017 biannually. The results of this study show that toward NPF of BPRS in Indonesia, the variable of Total Asset has no significant effect, CAR and ROA have a negative and significant effect, while OER has a positive and significant effect. Meanwhile, the macroeconomic variables of BI Rate and PDRB have a positive and significant effect toward NPF of BPRS in Indonesia. Lastly, the variables of inflation and unemployment have no effect toward NPF of BPRS in Indonesia.
本研究旨在确定影响印尼农村银行不良融资的内部和宏观经济因素。本研究采用的数据分析方法是面板数据回归,从2012年到2017年每半年抽取54个BPRS样本。研究结果表明,对于印尼BPRS的NPF,总资产变量没有显著影响,CAR和ROA有负显著影响,OER有正显著影响。同时,BI比率和PDRB的宏观经济变量对印尼BPRS的NPF有积极而显著的影响。最后,通货膨胀和失业变量对印尼BPRS的NPF没有影响。
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引用次数: 17
Fraud analysis in micro finance institution 小额金融机构欺诈行为分析
Pub Date : 2019-01-01 DOI: 10.20885/jeki.vol5.iss1.art2
Silviana Pebruary, M. Edward, Eko N. Fuad, H. A. Adhiatma, W. Widiyanto
Islamic microfinance institutions are financial institutions that carry out operational activities based on sharia principles. One of them is the Baitul Maal wa Tamwil (BMT), this institution serves savings and funding to the middle and lower communities by picking up the ball. With this system, it will be an opportunity for human resources (SDI) who are less loyal and responsible with their institutions to commit fraud or irregularities. Therefore, this study aims to find out how triangle fraud affects the occurrence of fraud in BMT. The research method uses independent path analysis with a sample of 84 respondents from the marketing department, supervisors, and financing managers. The results of this study are that Rationalization and pressure have a positive and significant effect on the occurrence of fraud, while the opportunity does not have an influence on the occurrence of fraud.
伊斯兰小额金融机构是根据伊斯兰教法原则开展业务活动的金融机构。其中之一是Baitul Maal wa Tamwil(BMT),该机构通过捡球为中下层社区提供储蓄和资金。有了这个系统,对机构不那么忠诚和负责的人力资源部门将有机会实施欺诈或违规行为。因此,本研究旨在了解三角欺诈如何影响BMT中欺诈的发生。该研究方法采用独立路径分析,从市场营销部门、主管和财务经理的84名受访者中抽取样本。本研究的结果是,合理化和压力对欺诈的发生有积极而显著的影响,而机会对欺诈的产生没有影响。
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引用次数: 0
Apa determinan tingkat pengungkapan Islamic Social Reporting bank umum syariah Indonesia? 是什么决定了伊斯兰社会报告银行在印尼企业表达的水平?
Pub Date : 2019-01-01 DOI: 10.20885/JEKI.VOL5.ISS1.ART5
Ruri Deviani, Hadri Kusuma
The inconsistent result of previous studies on the effect of Islamic corporate governance, good corporate governance, profitability, liquidity, and the age of the company may be due to the use of different indicators. This study aims to analyze factors influencing the disclosure index of Islamic Social Reporting (ISR) general Islamic banks for the period of 2014-2017. The research sample was 48 firm-year observations from 12 banks. The statistical tool used to test the hypothesis is using Autoregressive Conditional Heteroskedasticity (ARCH) with the help of Eviews software version 9. The results of this study indicated that the Islamic Corporate Governance and age of the banks are the determinants of the ISR while Good Corporate Governance, Liquidity and profitability variables have no effect on the ISR disclosure.
先前关于伊斯兰公司治理、良好公司治理、盈利能力、流动性和公司年龄影响的研究结果不一致,可能是由于使用了不同的指标。本研究旨在分析2014-2017年期间影响伊斯兰社会报告(ISR)一般伊斯兰银行披露指数的因素。研究样本是来自12家银行的48个固定年份的观察结果。用于检验该假设的统计工具是在Eviews软件版本9的帮助下使用自回归条件异方差(ARCH)。研究结果表明,伊斯兰公司治理和银行年龄是ISR的决定因素,而良好的公司治理、流动性和盈利能力变量对ISR披露没有影响。
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引用次数: 1
Pengaruh kinerja keuangan terhadap linkage non multifinance 非多金融联动的财务负责人
Pub Date : 2018-07-01 DOI: 10.20885/JEKI.VOL4.ISS2.ART5
Shihab Iqbal, Deasy Tantriana
This study aims to determine the effect of NPF and profit-sharing ratio of linkage financing to non-multi-finance linkage at Bank BNI Syariah. The research method used in this study is a quantitative approach with the type of associative research. The result of this research shows that there are simultaneous effects of NPF and profit-sharing ratio on non-multi-finance linkage. It is also known that the partial correlation between NPF and non-multi-finance linkages shows a significant influence. Likewise, the partial correlation between profit-sharing ratio and non-multi-finance linkages shows a significant influence. Based on the result of this study, profit-sharing ratio is more dominant in influencing non-multi-finance linkage. The conclusion of this study is that NPF and profit-sharing ratio are important factors in policy-making of approving a non-multi-finance linkage financing. Therefore, it is necessary to pay close attention to the state of NPF and Profit-Sharing Ratio, thus there will be no error in making decisions regarding non-multi-finance linkage financing.
本研究旨在确定印尼国家银行的NPF和联动融资对非多金融联动的利润分享率的影响。本研究所采用的研究方法是一种结合研究的定量方法。研究结果表明,非多金融联动存在NPF和利润分配率的同时效应。众所周知,NPF与非多金融联系之间的部分相关性显示出显著的影响。同样,利润分享率与非多元金融联系之间的部分相关性也显示出显著的影响。基于本研究的结果,利润分享率对非多金融联动的影响更为显著。本研究的结论是,NPF和利润分享率是批准非多金融联动融资决策的重要因素。因此,有必要密切关注NPF和利润分配率的状况,这样在做出非多融联动融资的决策时就不会出错。
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引用次数: 0
Islamic Bank peformance based on Maqasid Based Performance Evaluation Model (MPEM) 基于Maqasid的伊斯兰银行绩效评估模型(MPEM)
Pub Date : 2018-07-01 DOI: 10.20885/jeki.vol4.iss2.art6
Mustika Noor Mifrahi, Faaza Fakhrunnas
This study aims to measure the performance of Sharia banking under Maqashid Shariah’s point of view. Maqashid-sharia-based Performance Evaluation Model (MPEM) approach does not only shows the overall banking performance as usual, but also in the aspect of its Sharia compliance. The samples used in this study are 11 Islamic banks which is retrived from Central Bank of Indonesia that consist of Islamic Bank’s annual report from 2011 to 2017. To measure the Islamic banks, this research adopts maqashid sharia measurement that consist of 5 (five) elements formulated in MPEM. According to the finding, Bank Muammalat Indonesia (BMI) outperforms in all aspects with an average value of 177,93. However, in detail each Islamic banks has its strength in different criteria. Eventhough in certain period Islamic banks suffered loss, this condition did not lead the bank to perform non sharia activity.
本研究旨在衡量伊斯兰教法银行在Maqashid Shariah观点下的表现。基于Maqashid sharia的绩效评估模型(MPEM)方法不仅像往常一样显示了银行业的整体绩效,而且还显示了其sharia合规性。本研究中使用的样本是11家伊斯兰银行,这些银行是从印度尼西亚中央银行检索的,由伊斯兰银行2011年至2017年的年度报告组成。为了衡量伊斯兰银行,本研究采用了由MPEM中制定的五(5)个元素组成的伊斯兰教法。根据调查结果,印尼Muammalat银行(BMI)在各个方面都表现出色,平均值为177,93。然而,详细地说,每一家伊斯兰银行在不同的标准上都有其优势。尽管在某些时期伊斯兰银行遭受了损失,但这种情况并没有导致该银行从事非伊斯兰教法活动。
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引用次数: 6
Pengaruh biaya operasional, Dana Pihak Ketiga (DPK), dan Non Peforming Financing (NPF) terhadap margin murabahah pada bank umum syariah di Indonesia 运营费管理人、第三方基金(DPK)和非对价融资(NPF)针对印度尼西亚公司银行的边际利息
Pub Date : 2018-07-01 DOI: 10.20885/jeki.vol4.iss2.art4
Zulpahmi Zulpahmi, Eka Rizqiana
This study aims to analyze and determine whether there is a direct effect of operating expense, third fund party and non-peforming financing to margin murabahah in Sharia commercial bank in Indonesia. Research population is Sharia commercial banks in Indonesia, while sampling technique used is purposive sampling with selected sample of 5 Sharia commercial banks. Data collection technique in this study is a document review of company’s Annual Report. However, techniques of processing and analyzing data are accounting analysis, descriptive statistical analysis, multiple linear regression analysis, classical assumption test, coefficient determinant coefficient analysis and hypothesis test using SPSS version 20. Based on the partial test, operating expense and third party fund have a positive and significant effect on margin murabahah while non-peforming financing has a negative and insignificant effect on margin murabahah. However, simultaneously operating expense, third party fund and non peforming financing have a positive and significant impact on margin murabahah.
本研究旨在分析和确定印尼伊斯兰商业银行的营业费用、第三方基金方和不良融资是否对保证金murabahah有直接影响。研究对象为印度尼西亚的伊斯兰教商业银行,采用的抽样技术是有目的抽样,选取了5家伊斯兰教商业银行作为样本。本研究的数据收集技术是对公司年报的文件审查。然而,处理和分析数据的技术是会计分析、描述性统计分析、多元线性回归分析、经典假设检验、系数决定系数分析和假设检验,使用SPSS version 20。通过部分检验,经营费用和第三方资金对边际边际的影响为正且显著,而不良融资对边际边际的影响为负且不显著。同时,营业费用、第三方资金和不良融资对利润率murabahah有显著的正向影响。
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引用次数: 3
期刊
Jurnal Ekonomi dan Keuangan Islam
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