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Iqtishoduna Jurnal Ekonomi Islam最新文献

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Hijrah Intention and Customer Decisions to Use Islamic Banks: Development of Theory of Planned Behavior Hijrah意愿与客户使用伊斯兰银行的决策:计划行为理论的发展
Pub Date : 2023-05-22 DOI: 10.54471/iqtishoduna.v12i1.2243
Ahmad Ulil Albab Al Umar, Joko Setyono
This study aims to analyze the determinants of hijrah intention and customers' decisions to use Islamic banks. This study carries out the development of a theory of planned behavior which consists of attitude factors, subjective norms and behavior control. The development that is done is to modify the intention in the theory of planned behavior to become hijrah intention. Another development is adding the factor of Islamic branding to analyze its effect on hijrah intention and customer decisions. The next development is to link the influence of hijrah intention on customer decisions. Other developments also add a moderating construct, namely Islamic financial literacy with the aim of Islamic financial literacy can be a determinant of strengthening or weakening the variable of hijrah intention towards customer decisions. This study is a study with a quantitative approach. The population in this study are all customers of Islamic banks in Indonesia. The sample of this research is 275 respondents from 34 provinces in Indonesia. Data analysis used SEM with the SmartPLS 3 application. The results in this study indicate that the theory of planned behavior which consists of attitude variables, subjective norms and behavioral control and Islamic branding variables has a significant positive effect on hijrah intention. Islamic branding also has a significant influence on customer decisions. Hijrah intention has no significant effect on customer decisions. Islamic financial literacy weakens the effect of hijrah intention on customer decisions.
本研究旨在分析hijrah意愿和客户决定使用伊斯兰银行的决定因素。本研究建立了一个由态度因素、主观规范和行为控制组成的计划行为理论。所做的发展是将计划行为理论中的意图修正为海吉拉意图。另一个发展是加入伊斯兰品牌因素来分析其对希吉拉意图和顾客决定的影响。下一步的发展是将海吉拉意愿对顾客决策的影响联系起来。其他发展也增加了一个调节结构,即伊斯兰金融知识,其目的是伊斯兰金融知识可以成为加强或削弱hijrah意愿对客户决策变量的决定因素。这项研究是一项采用定量方法的研究。本研究的人口都是印度尼西亚伊斯兰银行的客户。本研究的样本是来自印度尼西亚34个省份的275名受访者。数据分析使用扫描电镜与SmartPLS 3应用程序。研究结果表明,由态度变量、主观规范和行为控制变量和伊斯兰品牌变量组成的计划行为理论对希吉拉意愿有显著的正向影响。伊斯兰品牌对顾客的决定也有重大影响。海吉拉意愿对顾客决策无显著影响。伊斯兰金融知识削弱了hijrah意愿对客户决策的影响。
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引用次数: 0
Phenomenology Study: Payment Methods on The Marketplace Seen From Islamic Economy Perspective 现象学研究:伊斯兰经济学视角下的市场支付方式
Pub Date : 2023-05-22 DOI: 10.54471/iqtishoduna.v12i1.2033
Dyarini Dyarini, Adi Mansah, A. Alam, Aprilia Duwi Putri
This study aims to examine the Islamic view of shopping payment transactions on the marketplace which uses electronic money as well as to examine the Islamic view of special offers on certain products that can be purchased using electronic money. The method used in this research is qualitative research with phenomenological studies. The results showed that the majority of the informants agreed that the electronic money they used did not contain elements of usury although there were informants who had a different opinion. The note that we can highlight here is that the marketplace is not a seller, nor is it a representative of the seller. The marketplace is only a medium that brings sellers and buyers together with certain rules. If it is a debt, it means that the customer must not receive any benefits from GoPay. Thus, if GoPay provides discounts for customers who pay via GoPay, then this includes benefits due to debt. Customers get this benefit, because they give GoPay debt.
本研究旨在考察伊斯兰教对市场上使用电子货币的购物支付交易的看法,以及伊斯兰教对可以使用电子货币购买的某些产品的特别优惠的看法。本研究采用定性研究与现象学研究相结合的方法。调查结果显示,虽然也有持不同意见的人,但大多数人都认为自己使用的电子货币没有高利贷的成分。这里需要强调的是,市场不是卖家,也不是卖家的代表。市场只是一个媒介,它将卖家和买家按照一定的规则聚集在一起。如果它是债务,这意味着客户不能从GoPay获得任何好处。因此,如果GoPay为通过GoPay付款的客户提供折扣,那么这包括由于债务带来的好处。客户得到了这种好处,因为他们给了GoPay债务。
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引用次数: 0
Psychological Empowerment, Its Effect On Employee Creativity Through Intrinsic Motivation 心理授权:通过内在激励对员工创造力的影响
Pub Date : 2023-04-30 DOI: 10.18860/iq.v1i1.19857
Ari Prasetyo Hirmawan, Pardiman Pardiman, Muhammad Reza Aswinaryanto, Muhammad Agus Supriyanto
Empowerment is the main key to the motivation and productivity of an employee so that they can give maximum contribution to the company. Employee engagement and empowerment direct them to help each other both for themselves, between employees and for the company. The involvement and empowerment of employees are very effective in maintaining high levels of employee motivation. This study aims to determine the effect of psychological empowerment on employee creativity through intrinsic motivation. This study used a quantitative explanatory research approach. This study proposes several hypotheses with a total sample of 105 respondents. Data in this study were collected using a research instrument in the form of a questionnaire and analyzed using the PLS (Partial Least Square) analysis test. The results of this study indicate that psychological empowerment does not directly affect employee creativity. However, psychological empowerment significantly affects employee creativity through intrinsic motivation, and intrinsic motivation mediates the full/perfect mediation effect of psychological empowerment on employee creativity
授权是员工激励和生产力的关键,这样他们才能为公司做出最大的贡献。员工的参与和授权指导他们相互帮助,无论是为了自己,员工之间还是为了公司。员工的参与和授权对于保持高水平的员工积极性非常有效。本研究旨在通过内在动机来确定心理授权对员工创造力的影响。本研究采用定量解释研究方法。本研究提出了几个假设,共105名受访者的样本。本研究采用问卷调查的方式收集资料,并采用偏最小二乘法分析检验。本研究结果表明,心理授权并不直接影响员工的创造力。而心理授权通过内在动机显著影响员工创造力,内在动机在心理授权对员工创造力的中介作用中起到完全/完美的中介作用
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引用次数: 0
Pengaruh Persepsi dan Religiusitas Terhadap Kebiasaan Bersedekah Mahasiswi 知觉和宗教虔诚对学生慈善行为的影响
Pub Date : 2023-04-30 DOI: 10.18860/iq.v1i1.17820
Devid Frastiawan Amir Sup, Namira Muthia Rosalina, Setiawan bin Lahuri, Andini Rachmawati, Muhammad Abdul Aziz
Penelitian ini bertujuan untuk mengetahui pengaruh persepsi dan religiusitas terhadap kebiasaan bersedekah mahasiswi UNIDA Gontor, Kampus Mantingan, Indonesia. Penelitian ini merupakan penelitian kuantitatif dengan pendekatan Structural Equation Modeling (SEM) dengan menggunakan software SmartPLS (v.3.2.9). Hasil yang didapat adalah: (1) Persepsi berpengaruh secara positif dan signifikan terhadap kebiasaan bersedekah, berdasarkan hasil nilai variabel eksogen (persepsi) pada path coefficients adalah 0.323 dan hasil uji t-statistic nilai hubungan persepsi dengan kebiasaan bersedekah sebesar 4.146; (2) Religiusitas berpengaruh secara positif dan signifikan terhadap kebiasaan bersedekah, berdasarkan hasil nilai variabel eksogen (religiusitas) pada path coefficients adalah 0.447 dan hasil uji t-statistic nilai hubungan religiusitas dengan kebiasaan bersedekah sebesar 6.332.
本研究旨在探讨印度尼西亚一所舞蹈学院UNIDA Gontor学生作弊行为的观念和宗教影响。这项研究是通过智能智能软件(v3.2.9)进行的Structural Equation Modeling方法(SEM)的定量研究。收集到的结果是:(1)感知对行为的积极和显著影响,基于路径coeffients的外来变量(感知)结果为0.323,以及感知与性行为关系的测试值为4146;(2)宗教对慈善行为的异教变量(宗教信仰)的影响是积极和重要的,基于path coeffients上的外来变量(宗教信仰)的0.447值和6332公分级宗教关系测试结果。
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引用次数: 0
Interest in Using Islamic Bank Payroll Through Perception, Reference Group, and Religiosity 通过感知、参照组和宗教信仰对使用伊斯兰银行工资单的兴趣
Pub Date : 2023-04-30 DOI: 10.18860/iq.v1i1.19814
Ade Risa Fitriani Mursidah, Cut Erika Ananda Fatimah
The university is an educational institution that can positively help the development of Islamic banking. It can be seen from the existence of Islamic banking and Islamic economics majors in the Faculty of Economics and Business. This research aims to analyze the direct and indirect influence between perceptions and reference groups on Interest in using Islamic bank payroll with Religiosity as an intervening variable, a case study at the Faculty of Economics and Business, UIN Jakarta. This study analyzed 70 respondents using quantitative methods and SEM PLS data analysis techniques using SmartPLS. The results of this study indicate that perceptions, reference groups, and Religiosity directly or indirectly influence Interest. This study will explain how perceptions, reference groups, and Religiosity towards interest variables use Islamic bank payroll.
该大学是一所能够积极促进伊斯兰银行业发展的教育机构。从经贸院伊斯兰银行和伊斯兰经济学专业的存在就可以看出这一点。本研究旨在以雅加达大学经济与商业学院的案例研究为例,分析以宗教信仰为干预变量的看法和参考群体对使用伊斯兰银行工资单的兴趣的直接和间接影响。本研究分析了70名受访者使用定量方法和扫描电镜PLS数据分析技术使用SmartPLS。本研究结果表明,认知、参照群体和宗教信仰直接或间接地影响兴趣。本研究将解释对利息变量的感知、参考群体和宗教信仰如何使用伊斯兰银行工资单。
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引用次数: 0
Self-Determination Theory for Predicting Intention to Buy Recycled Products in The Era of Society 5.0 5.0社会时代再生产品购买意愿预测的自我决定理论
Pub Date : 2023-04-30 DOI: 10.18860/iq.v1i1.17826
Yuliatin Azizah
Daur ulang merupakan peluang industri untuk mengembangkan produk yang memiliki potensi manfaat ekonomi yang signifikan serta manfaat ekologis. Perkembangan industri ini juga harus diikuti dengan perkembangan minat masyarakat untuk menggunakan produk daur ulang. Motivasi orang untuk memiliki niat membeli produk kami teliti menggunakan teori penentuan nasib sendiri sebagai teori yang menganggap manusia sebagai organisme aktif untuk selalu tumbuh dan berkembang baik secara fisik maupun psikologis. Teori ini menjelaskan bahwa manusia memiliki otonomi atas keputusan yang diambilnya. Penelitian ini dibangun dengan pendekatan kuantitatif yang mengkaji pengaruh teori penentuan nasib sendiri dengan variabel amotivasi, regulasi eksternal, regulasi introjeksi, regulasi yang diidentifikasi, regulasi terintegrasi dan motivasi intrinsik dalam memprediksi niat beli produk daur ulang oleh masyarakat di era masyarakat 5.0 . Metode Analisis data regresi linier berganda menggunakan SPSS 25. Hasil penelitian menjelaskan pengaruh signifikan teori penentuan nasib sendiri terhadap prediksi niat membeli produk daur ulang. Pengaruh dominan dengan motivasi intrinsik yaitu motivasi terbangun dengan menciptakan peluang industri di masa depan, kampanye kesadaran lingkungan masyarakat harus digencarkan agar masyarakat sadar dan menikmati produk daur ulang. 
回收是一个工业开发具有重大经济效益和生态效益的产品的机会。该行业的发展还应与公众对使用回收产品的兴趣的发展相结合。人们有意购买我们产品的动机是严格使用自我决定理论作为一种理论,它认为人类是一种活跃的有机体,在生理和心理上一直在发展和发展。这个理论解释了人类对自己所做的决定有自主权。这项研究是通过定量方法建立起来的,它研究了自我决定理论的影响,这些理论包括激励变量、外部调节、内省调节、自我调节、集成调节和预测社会在5.0时期社会购买循环产品意图的内在动机。使用SPSS 25进行多元线性回归数据分析的方法。研究结果解释了命运论对预测回收产品的重大影响。内在动机的主导影响是,觉醒的动机创造了未来的工业机会,促进社区意识运动,使人们意识到并享受可回收的产品。
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引用次数: 0
Strategi Penguatan Keberlangsungan Usaha Melalui Edukasi Literasi Keuangan: Studi Pada Sentra Indutri Tempe Sanan 通过金融识字促进企业发展的战略:Sentra Indutri Tempe项的研究
Pub Date : 2023-04-30 DOI: 10.18860/iq.v1i1.20387
Mega Noerman Ningtyas, Novi Lailiyul Wafiroh
Education to improve the understanding of financial literacy in MSMEs is one of the efforts that can be carried out to enrich their knowledge. This knowledge will be useful for their business, especially for sustainability of their business. This research was conducted at the Tempe Sanan Industrial Center, Malang using a qualitative method, that is interviews. The results of the study show that not all business actors have sufficient financial literacy, especially if it is related to the investment context. However, business actors are considered sufficient to have a good financial attitude but not for things such as: making budgets, monitoring cash flows, and planning business protection. This is because business actors are too busy with their business operations so they do not have enough time to do the things above..
通过教育提高中小微企业对金融知识的理解,是充实中小微企业金融知识的途径之一。这些知识将对他们的业务有用,特别是对他们业务的可持续性。本研究在玛琅坦佩三安工业中心进行,采用定性方法,即访谈。研究结果表明,并不是所有的商业行为者都有足够的财务知识,特别是如果它与投资背景有关。然而,业务参与者被认为有良好的财务态度就足够了,但对于诸如:制定预算、监控现金流和规划业务保护等事情就不够了。这是因为业务参与者忙于他们的业务操作,所以他们没有足够的时间来做上面的事情。
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引用次数: 0
Konflik Peran Ganda Perempuan Terhadap Kinerja Melalui Stress Kerja Pada Karyawan Bank 女性在银行工作压力下对表现表现的双重作用冲突
Pub Date : 2023-04-30 DOI: 10.18860/iq.v1i1.20583
Boge Triatmanto, Nanik Wahyuni
This study aims to investigate the effect of multiple role conflict on employee performance through work stress. This study uses a quantitative causality approach to determine the relationship between variables. The population of this study were 73 bank employees. The sampling technique uses the simple random sampling method to ensure that all populations have the same opportunity to be selected as research objects. The data source used is primary data in the form of a questionnaire. Data were analyzed using path analysis and using SPSS as an analytical tool. The results of this study indicate that multiple role conflict has a negative and significant effect on employee performance. Multiple role conflict has a positive and significant effect on work stress. Work stress has a negative and significant effect on employee performance. The results of the mediation analysis found that work stress is able to mediate the effect of multiple role conflict on employee performance.
本研究旨在探讨多重角色冲突透过工作压力对员工绩效的影响。本研究采用定量因果关系的方法来确定变量之间的关系。这项研究的对象是73名银行员工。抽样技术采用简单的随机抽样方法,以确保所有人群都有相同的机会被选为研究对象。使用的数据源是问卷形式的原始数据。采用路径分析和SPSS作为分析工具对数据进行分析。本研究结果表明,多重角色冲突对员工绩效有显著的负向影响。多重角色冲突对工作压力有显著的正向影响。工作压力对员工绩效有显著的负向影响。中介分析结果发现,工作压力能够中介多重角色冲突对员工绩效的影响。
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引用次数: 0
DEVELOPMENT OF WAQF WITH A SHEEP FARMING MODEL (CASE STUDY OF MITRA TANI FARM) 以羊养殖模式开发waqf(以mitra tani农场为例)
Pub Date : 2023-04-01 DOI: 10.54471/iqtishoduna.v12i1.2131
Lulu Musa Dil Piero, Laily Dwi Arsyanti, Budi Susilo Setiawan
Pengelolaan dana wakaf tidak harus dimanfaatkan untuk bangunan atau sebagai lahan kosong saja, melainkan dapat dimanfaatkan sebagai suatu kegiatan yang produktif dan menghasilkan. Salah satu nya melalui program Wakaf Produktif Peternakan Domba. Karena kebutuhan domba di kategorikan menjadi kebutuhan pokok masyarakat. Tujuan penelitian ini dilakukan untuk menganalisa manajemen pengelolaan wakaf peternakan domba oleh MT Farm dan bagaimana presepsi masyakarat terhadap wakaf peternakan domba. Pengembangan program wakaf peternakan dilakukan melalui pendekatan Business Model Canvas (BMC) yang diuji dengan metode SEM Lisrel. Beberapa metode penelitian yang digunakan diantaranya wawancara dan pengumpulan kuesioner. Sebanyak 170 responden berhasil dikumpulkan dan diolah dengan menggunakan uji kecocokan keseluruhan model variabel,uji kecocokan model pengukuran seluruh variabel,uji kecocokan keseluruhan model persamaan struktural. Hasil dari penelitian ini menunjukan pengembangan wakaf peternakan menunjukan bahwa nilai siginifikansi yang masih rendah. Nilai standarisasi yang kurang dari ≥1,96 membuat beberapa indikator menjadi tidak signifikan diantaranya indikator customer relationship, value proposition, channels, keyresources. Artinya, edukasi masyarakat akan wakaf peternakan domba harus terus diberikan agar program pengelolaan wakaf peternakan di MT Farm bisa layak untuk terus dikembangkan. Selain itu, dapat membantu menambah pasok ternak domba dari komponen wakaf tanah, ternak dan oprasional secara bersamaan.
wakaf资金的管理不应该仅仅用于建筑或作为一块空地,而应该被用作一种富有成效和富有成效的活动。他的羊农场计划之一。因为羊的需求被归类为社区的必需品。这项研究的目的是分析MT Farm对wakaf养牛场的管理,以及masyakarat对wakaf养羊场的看法。wakaf畜牧业计划的开发是通过商业模型Canvas (BMC)的方法进行的,这是通过SEM Lisrel方法进行的。访谈和问卷收集等一些研究方法。170名受访者通过对整个变量模型的兼容性测试、对变量的兼容性测试、结构方程的兼容性测试,成功地收集和处理。这项研究的结果表明,waaf的农场发展表明,相对较低的签名值。标准化的价值少于≥1,96让其中一些指标变得不重要指标客户关系,珍惜channels, keyresources命题。这意味着社区教育必须继续进行,这样山农场的wakaf农场管理项目才能继续发展。此外,它还可以帮助从土壤中其他部分、牲畜和牲畜的同时增加羊的供应。
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引用次数: 0
Analysis of Promotional Media Selection Based on Modified Analytical Hierarchy Process (AHP) to Increase Halal Product Sales Volume 基于改进层次分析法(AHP)的促销媒介选择对提高清真产品销量的影响分析
Pub Date : 2023-04-01 DOI: 10.54471/iqtishoduna.v12i1.2270
Mardiana Andarwati, Galandaru Swalaganata
Finding the promotional media that used AHP in earlier experiments was the intended goal of this study, however data gathering proved to be quite difficult for researchers. This is because the research issue, MSMEs in the halal product, demands an excessive volume of questionnaire data. The researcher also made an effort to simplify the questionnaire by designating consideration and contempt with the numbers 1 and 0, respectively. Since the EPIC model contains four distinct dimensions, it is utilized to produce indications. This implies that measurements can also be taken in each of the EPIC dimensions. The development of AHP modifications that are demonstrated in the calculation of pairwise comparison matrices is the main focus of this study. In this study, data collection is much easier and faster. It caused by the form of the questionnaire was simple and only takes less than 2 minutes. Social media can be used as a substitute for traditional advertising in the scenarios mentioned. The most popular alternative for promotion for MSMEs is social media (36%). Search engines and product collaboration (30% and 13%) are the following substitute promotional media to increase MSMEs in the halal product.
寻找在早期实验中使用AHP的宣传媒体是本研究的预期目标,然而数据收集对研究人员来说相当困难。这是因为研究问题,在清真产品的中小微企业,需要过多的问卷调查数据。研究者还努力简化问卷,用数字1和0分别表示考虑和蔑视。由于EPIC模型包含四个不同的维度,它被用来产生指示。这意味着还可以在每个EPIC维度中进行度量。在两两比较矩阵的计算中证明的AHP修改的发展是本研究的主要焦点。在本研究中,数据收集更加容易和快捷。这是因为问卷的形式简单,只需要不到2分钟的时间。在上述情况下,社交媒体可以作为传统广告的替代品。对于中小微企业来说,最受欢迎的推广方式是社交媒体(36%)。搜索引擎和产品协作(30%和13%)是以下替代宣传媒体,以增加清真产品的中小微企业。
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引用次数: 1
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Iqtishoduna Jurnal Ekonomi Islam
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