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Remain Results of Network Retail Transactions: Potential Charity in Indonesia Muhammad Al Faridho Awwal; Dewi Wahyu Setyo Rini
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 9 No. 1 (2020): April
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

In the modern market or what is usually known as retail chains, most goods are sold with non-rounded price which creates price differences that cannot be translated into any physical value of printed money. The accumulated price differences are usually donated into charities which are managed by certain companies. However, it makes people worried about any indications of management overlap between charity donations and Corporate Social Responsibility (CSR) due to the intransparency of datas in terms of their financial managements. Not to mention, the unfair distribution of the donation money only resulted into donation receipients that are very centralized in some areas. Therefore, using conceptual research method with qualitative datas and strong references we try to observe this problem so that this uneasiness of the society about any overlap of CSR distribution and the charity money from consumers can be put into rest.

INTEGRASI PASAR MODAL ISLAM: STUDI DI LIMA NEGARA ASEAN DAN DJIA Muhammad Al Faridho Awwal; Ita Eviyanah; Abdul Qoyum
Ekonomi Islam Vol. 13 No. 1 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

This study aims to determine the short- and long-term relationship between the Islamic capital market in Southeast Asia and the DJIA. This study takes data from the Islamic capital markets of ASEAN-5 countries, namely the Jakarta Islamic Index (JII), FTSE Malaysia, FTSE SET Sharia Thailand, FTSE SGX Sharia Singapore and MSCI Philippines and DJIA. A total of 211 weekly observations of each index were observed from 04 January 2015, to 03 February 2019. Author have found that the Islamic capital market is integrated in all ASEAN-5 countries including the DJIA. This study also finds that the Malaysian Islamic capital market and DJIA have the most influence on the ASEAN-5 Islamic capital market, as shown by the VDC test. Keywords; ASEAN, DJIA, Capital Market

INTEGRASI PASAR MODAL ISLAM: STUDI DI LIMA NEGARA ASEAN DAN DJIA Muhammad Al Faridho Awwal; Ita Eviyanah; Abdul Qoyum
Ekonomi Islam Vol. 13 No. 1 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v13i1.8073

This study aims to determine the short- and long-term relationship between the Islamic capital market in Southeast Asia and the DJIA. This study takes data from the Islamic capital markets of ASEAN-5 countries, namely the Jakarta Islamic Index (JII), FTSE Malaysia, FTSE SET Sharia Thailand, FTSE SGX Sharia Singapore and MSCI Philippines and DJIA. A total of 211 weekly observations of each index were observed from 04 January 2015, to 03 February 2019. Author have found that the Islamic capital market is integrated in all ASEAN-5 countries including the DJIA. This study also finds that the Malaysian Islamic capital market and DJIA have the most influence on the ASEAN-5 Islamic capital market, as shown by the VDC test. Keywords; ASEAN, DJIA, Capital Market

Exploring Factors of Working Capital Credit Distribution: Interest Rates, Deposits and Customer Perception Ariawan; Muhammad Anas; La Diu Samiu; Linda Ayu Oktoriza; Muhammad Al Faridho Awwal
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 3 (September 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i3.623

This study examines the impact of interest rates, customer deposits, and customer perception of the Five C's of Credit on the disbursement of working capital loans in Bank Perkreditan Rakyat (BPRs). A quantitative approach was utilized, and data were collected from 108 BPR customers in Gorontalo through an online questionnaire using Google Forms. The collected data were analyzed using the SPSS technique. The findings indicate that all three variables have a significant influence on the disbursement of working capital loans in BPRs. Interest rates, customer deposits, and customer perception of the Five C's of Credit play crucial roles in the credit evaluation process and loan allocation decisions in BPRs. The results of the analysis demonstrate that these variables collectively account for 58.7% of the variation in the disbursement of working capital loans. This highlights the significance of considering these factors when determining credit allocation in BPRs. However, it is important to acknowledge the limitations of this study. Other variables not included in this research could also impact credit disbursement in BPRs. Future studies could explore additional factors and expand the sample size to enhance the generalizability of the findings. The findings offer valuable insights for BPRs in formulating effective lending policies and practices to address the financing needs of businesses. By doing so, BPRs can contribute to the economic growth and development of the region.

Exploring Factors of Working Capital Credit Distribution: Interest Rates, Deposits and Customer Perception Ariawan; Anas, Muhammad; Samiu, La Diu; Oktoriza, Linda Ayu; Awwal, Muhammad Al Faridho
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 3 (September 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i3.623

This study examines the impact of interest rates, customer deposits, and customer perception of the Five C's of Credit on the disbursement of working capital loans in Bank Perkreditan Rakyat (BPRs). A quantitative approach was utilized, and data were collected from 108 BPR customers in Gorontalo through an online questionnaire using Google Forms. The collected data were analyzed using the SPSS technique. The findings indicate that all three variables have a significant influence on the disbursement of working capital loans in BPRs. Interest rates, customer deposits, and customer perception of the Five C's of Credit play crucial roles in the credit evaluation process and loan allocation decisions in BPRs. The results of the analysis demonstrate that these variables collectively account for 58.7% of the variation in the disbursement of working capital loans. This highlights the significance of considering these factors when determining credit allocation in BPRs. However, it is important to acknowledge the limitations of this study. Other variables not included in this research could also impact credit disbursement in BPRs. Future studies could explore additional factors and expand the sample size to enhance the generalizability of the findings. The findings offer valuable insights for BPRs in formulating effective lending policies and practices to address the financing needs of businesses. By doing so, BPRs can contribute to the economic growth and development of the region.

The Effect of The Characteristics of Product Innovation on Intention to Adopt Application-Based Motorcycle Taxi Service (Go-Jek) The Moderating role of Consumer Demographic Characteristic in Yogyakarta Rasyid, Muhammad Zakiyyul Fuad; Al Faridho Awwal, Muhammad
International Journal of Business, Law, and Education Vol. 5 No. 1 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i1.363

Application-based motorcycle taxi (ojek) service becomes one of the most popular startup businesses in the recent years. There are many emerged companies that offer application-based transportation service, one of them is PT. Go-Jek Indonesia. However, there are only few researches that examine factors that might influence companies to design suitable and user-friendly application-based transportation service. This study aims to determine the influence of the characteristics of product innovation on intention to adopt app-based ojek service (Go-Jek) in which consumer demographic characteristics variable is used as moderators. Primary data were collected through questionnaires with a sample size of 280 respondents. This research used multiple regression analysis on millennial, non-millennial, and combined generations, and conducted moderate regression analysis of characteristics of an innovation (relative advantage, compatibility, complexity, trialability, observability). The result shows that relative advantage, compatibility, trialability, observability in the millennial generation have positive and significant effect on intention to adopt, whereas complexity variable has no significant effect. It was found that variables of relative advantage, trialability, and observability in the non-millennial generation have positive and significant effect, whereas complexity variable has negative effect on intention to adopt. On the other hand, the result proves that compatibility variable has no significant effect. In addition, the result also shows that variables of relative advantage, compatibility, trialability, and observability in combined generations have positive effect on intention to adopt Go-Jek application, whilst complexity variable has a negative effect on intention to adopt Go-Jek app. Factor of generation shows that the effect of variable of characteristics of an innovation (relative advantage, compatibility, complexity, trialability, observability) has stronger effect on intention to adopt in non-millennial compared with millennial generation.

The Influence of Financial Ratio and Beta on Share Ownership by Foreign Investors in Companies Listed on ISSI : (Indonesia Sharia Stock Index) Awwal, Muhammad Al Faridho; Lubina, Lia
International Journal of Business, Law, and Education Vol. 5 No. 1 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to analyze the effect of financial ratios (EPS, PER, PBV, ROE, DER and Dividend Yield) and beta on share ownership by foreign investors in companies listed on ISSI (Indonesian Sharia Stock Index). The data used is panel data. The tool used to test the data is using Stata version 14.2. The sample data analyzed were 36 samples. From the analysis it was found that the EPS and DER variables had a significant positive effect on share ownership by foreign investors in companies registered with ISSI. The PER, PBV, ROE, DER, Dividend Yield and beta variables do not have an influence on the company's share ownership by foreign investors in companies registered with ISSI.

The Influence of Transformational Leadership Style on Employee Performance with Organizational Citizenship Behavior as a Moderator Variable in PD. BPR KALSEL Rasyid, Muhammad Zakiyyul Fuad; Al Faridho Awwal, Muhammad; Nashoha, Muhammad Rizalun; Hermawan, Hengki Dwiyan
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1000

The objectives of research are to describe transformational leadership style, employee performance, and organizational citizenship behavior (OCB), and to examine the influence of transformational leadership style on employee performance through organizational citizenship behavior (OCB) as moderator variable. Sampling technique is stratified sampling. The respondent of research is 77 persons. The analysis tool is Partial Least Square (PLS). Research respondent is the employee of PD. BPR of South Kalimantan. Result of research indicates that transformational leadership style and employee performance remain in high category. Transformational leadership style has significant direct influence on employee performance. Organizational citizenship behavior (OCB) belongs to high category. The moderating nature of organizational citizenship behavior (OCB) is moderating of strengthening which means that higher organizational citizenship behavior (OCB) will empower the influence of transformational leadership style on employee performance.

THE INFLUENCE OF SPENDING HABITS, SPIRITUAL INTELLIGENCE, AND FINANCIAL LITERACY ON THE FINANCIAL MANAGEMENT OF STUDENTS (CASE STUDY OF AR-ROYAN BAITUL HAMDI STUDENT BOARDING SCHOOL YOGYAKARTA) Awwal, Muhammad Al Faridho; Agustina, Titana Diva
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.317

This research was conducted to examine the effect of spending habits, spiritual quotient, and financial literancy to financial management of Pondok Pesantren Mahasiswa (PPM) Ar-Royyan Baitul Hamdi Yogyakarta students. The population in this study were sutend of Pondok Pesantren Mahasiswa (PPM) Ar-Royyan Baitul Hamdi Yogyakarta students with samples taken using simple random sampling. Primary data collecting by distributing questionners. There are 150 quietionnaires processed in this study. The data analysis in this study used. The data analysis in this study used multiple linear regression analysis using SPSS software to test the research data. The result shows. The result showed that spending habits, spiritual quotient, and financial literation simultaneously has a significant effect on financial management of Pondok Pesantren Mahasiswa (PPM) Ar-Royyan Baitul Hamdi Yogyakarta students. Partially, the spending habits variable does not have a significant effect on financial management students of Pondok Pesantren Mahasiswa (PPM) Ar-Royyan Baitul Hamdi Yogyakarta with a significant level of 0.121 above 0.05. The spiritual quotient variable has a significant negative effect on financial management student of Pondok Pesantren Mahasiswa (PPM) Ar-Royyan Baitul Hamdi Yogyakarta with a significant level of 0.708 above 0.05. The financial literacy variable has a positif significant effect on financial manaement Pondok Pesantren Mahasiswa (PPM) Ar-Royyan Baitul Hamdi Yogyakarta students with a significant level of 0,000 below 0,05. Spending habits have no effect and are not significant on the financial management of students at the Ar-Royan Baitul Hamdi Yogyakarta Islamic Boarding School (PPM). Furthermore, spiritual intelligence has a negative and insignificant effect on the financial management of students at the Ar-Royan Baitul Hamdi Yogyakarta Islamic Boarding School (PPM). Furthermore, financial literacy has a positive and significant effect on the financial management of Yogyakarta PPM students. The students of the Ar-Royyan Baitul Hamdi Yogyakarta Islamic Boarding School (PPM) are expected to be more able to hold back from doing consumptive things

Technology Adaptation and CEO Characteristics: Enhancing Competitive Advantage in Indonesia’s MSME of F&B in the Jabodetabek Region Awwal, Muhammad Al Faridho; Utami, Eva Yuniarti; Sumerli A, Chevy Herli; Purwoko, Bambang
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.322

The food and beverage (F&B) industry significantly impacts Indonesia's economy, playing a crucial role in economic growth and welfare. Micro, small, and medium-sized enterprises (MSMEs) in the F&B sector, particularly in the Jabodetabek region, are essential contributors to Indonesia's global standing. This study explores the relationship between technology adaptation, CEO characteristics, and competitive advantage in Jabodetabek's F&B MSMEs. Challenges faced by these enterprises, such as limited resources and human capital, underscore the need for effective technology adoption and strong leadership. The research aims to enrich the literature on this subject and provide insights for policymakers to enhance MSME competitiveness.

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