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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IQTISHADIA Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam INFO ARTHA Balance Vocation Accounting Journal Akurasi : Jurnal Studi Akuntansi dan Keuangan CONSEN: Indonesian Journal of Community Services and Engagement Journal of Islamic Economics Lariba Multazam : Jurnal Manajemen Haji dan Umrah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Riset Akuntansi dan Keuangan Indonesia JAS (Jurnal Akuntansi Syariah)
Arianty, Erny
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Physics Social Sciences Other

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Perubahan Capital Aset Pricing Model, Risiko, dan Efisiensi: Triger Unit Asuransi Full-Pledge Syariah Arianty, Erny; Ghoni, Abdul
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12235

Abstract

Abstract This research aims to analyze changes in capital asset values, risk levels, and efficiency as triggers for sharia insurance units to immediately provide full sharia guarantees. The method used is a quantitative method using financial ratios, Capital Asset Price Model (CAPM), and Financial Ratios. CAPM is used to find stock returns, financial ratios for risk and level of return. The results show that there is a change in PT JMAS stock returns which shows a decline in value. Regarding risk mitigation, the third company demonstrated effective risk control. Jasindo is bolder in taking premium risks, but the company has a strategy to increase the percentage of claims that become liabilities to reinsurance companies. In contrast to the Askrida sharia which is more careful in choosing premiums with high risks, this results in claims values that are relatively low and continue to decline. Finally, only the Askrida Syariah company shows a stable value even though the size is not yet significant. ROA growth at Jasando Syariah is less stable in maintaining returns from the use of its assets. There were less stable changes in ROA during 5 periods, 2017, 2018, 2019, 2021 and 2022..
How to Increase the Accountability of Cash Waqf Linked Sukuk: Maqāṣid Asy-Syarī‘ah Approach Arianty, Erny; Nafis, M. Cholil; Ghoni, Abdul
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 15 No. 1 (2023)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v1i1.30488

Abstract

Abstract. One of the causes of Cash Waqf Linked Sukuk fundraising that has not reached the expected value is the low implementation of accountability. This study aims to analyze the strategy that has the most effect on increasing CWLS accountability with the Maqāṣid Asy-syarī'ah approach. The method uses the theme approach and ANP. The results show that the strategies needed include program-related competency development, professional management, accounting and reporting, and technology. Another strategy is information management which is conveyed to the Wakif. The implications contribute to stakeholders in coordinating plans and initial steps to implement this strategy. Abstrak. Salah satu penyebab penggalangan dana Cash Waqf Linked Sukuk belum mencapai nilai yang diharapkan adalah rendahnya implementasi akuntabilitas. Penelitian ini bertujuan untuk menganalisis strategi yang paling berpengaruh meningkatkan akuntabilitas CWLS dengan pendekatan Maqāṣid Asy-syarī‘ah. Metode menggunakan pendekatan tema dan ANP. Hasil menunjukkan strategi yang dibutuhkan meliputi pengembangan kompetensi terkait program, manajemen profesional, akuntansi dan pelaporan, serta teknologi dan strategi pengaturan informasi yang disampaikan kepada wakif. Implikasi penelitian memberikan kontribusi bagi pemangku kepentingan dalam mengkoordinasikan rencana dan langkah awal untuk menerapkan strategi ini.
THE SPIN-OFF EFFECTIVENESS OF SHARIA INSURANCE IN INDONESIA: ANALYZING THE EFFICIENCY AND THE CRITERIA Arianty, Erny; Ghoni, Abdul
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 8 No. 1 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v8i1.31800

Abstract

This research aims to determine the effectiveness of the spin-off implementation in Indonesia by comparing the efficiency of the full-pledge sharia insurance industry with the Sharia Business Unit (SBU) and analyzing the spin-off criteria. The method used is the mixing method. The quantitative method-Data Envelopment Analysis (DEA) in measuring efficiency and descriptive qualitative by conducting interviews with informants from the insurance shariah industry, AASI, OJK, and BKF for spin-off criteria analysis. . The data used is the input data being assets, operating expenses, while the output data is profit and operating income. Efficiency on profit for SBU is higher than full-pledged companies. Efficiency on revenue is slightly different where the efficiency values of full-pledge companies are not entirely at the bottom. Related to spin-off criteria, the SBU industry has not achieved the number of tabarru funds and participant investment of 50% of the parent fund. Based on these facts, the effectiveness of the spin-off implementation has not been realized optimally. This is because the objectives of increasing efficiency and growing the number of industries have not been achieved. The factors that support the realization of effectiveness are leadership commitment, financial management strategies, professional human resources, the role of government and regulatory bodies
PSYCHOLOGICAL AND INSTITUTIONAL DETERMINANTS OF ZAKAT PAYMENT INTENTION IN A SHARIA-BASED GOVERNANCE CONTEXT: EVIDENCE FROM LANGSA CITY, INDONESIA Ihsan, Muhammad; Arianty, Erny
JURNAL INFO ARTHA Vol 9 No 2 (2025): Edisi November 2025
Publisher : Polytechnic of State Finance STAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31092/jia.v9i2.3480

Abstract

This study examines the factors influencing the intention to pay zakat through Baitul Mal Langsa City, focusing on attitude, subjective norms, perceived behavioral control, accountability, and institutionalization perception. Grounded in stakeholder theory, the theory of planned behavior (TPB), and institutionalization theory, data were collected through an online questionnaire using a convenience sampling method, yielding 97 respondents who had previously paid zakat through Baitul Mal Langsa City. The data were analyzed using the PLSSEM method. The results show that attitude, perceived behavioral control, and institutionalization perception significantly and positively affect muzaki’s intention to pay zakat through Baitul Mal Langsa City, whereas subjective norms and accountability have no significant impact. These findings highlight the importance of institutional perception in strengthening zakat compliance, especially in regions where zakat payment is regulated by law. The study’s implications suggest that Baitul Mal Langsa City should develop effective socialization strategies, improving accessibility to zakat services, and clarifying controversial aspects of the regional zakat regulation.
Intensi Penggunaan Aplikasi Haji Pintar dalam Perspektif Theory of Planned Behaviour Aprilia, Rachma; Arianty, Erny; Hadi, Miftahul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i12.10056

Abstract

This study aims to analyze the factors that influence users' interest in using the Haji Pintar application as described in the planned behavior theory. This research uses a quantitative approach. The target population consists of Haji Pintar application users, with sample data collected through an online questionnaire distributed using the incidental method, which is a type of non-probability sampling. We processed the collected data using descriptive and inferential statistical analysis, utilizing the SmartPLS software. The findings indicate that perceived usefulness has a positive and significant influence on the intention to use the Haji Pintar application. Overall, the use of the Haji Pintar application provides ease for users. The results of this study are expected to be used as considerations in the development and improvement of the Haji Pintar application.
USER BEHAVIOR IN THE HAJI PINTAR APPLICATION USING THE TECHNOLOGY ACCEPTANCE MODEL APPROACH Hadi, Miftahul; Aprilia, Rachma; Arianty, Erny; Darmawan, Muhamad Harestya
Multazam : Jurnal Manajemen Haji dan Umrah Vol. 5 No. 2 (2025): Multazam: Jurnal Manajemen Haji dan Umrah
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/multazam.v5i2.11377

Abstract

This study aims to analyze the factors influencing the acceptance of the Haji Pintar application by users or prospective pilgrims using the technology acceptance model, which consists of three variables, namely intention to use, perceived usefulness, and perceived ease of use. This study adopts a quantitative approach. The target population comprises users of the Haji Pintar application, with sample data collected via online questionnaires distributed using an accidental sampling method, a type of non-probability sampling. The collected data will be processed through using the SmartPLS software. The results show that two of the three proposed hypotheses received support at a significance level 0.05. Specifically, it was determined that perceived ease of use positively and significantly influences perceived usefulness and the intention to use. At the same time, one hypothesis was rejected, indicating that perceived usefulness does not significantly affect the intention to use. Overall, Haji Pintar app users consider the application easy to use, which may increase their desire to use it again. However, the application has not yet provided significant usefulness, which may be a consideration for further development and improvement of the Haji Pintar application.
Co-Authors Abdul Ghoni Ambang Aries Yudanto, Ambang Aries Aprilia, Rachma Balative, Iqbal Darmawan, Muhamad Harestya Haniyah, Rizqi Indrawati, Iin Marsono Marsono Miftahul Hadi Muhammad Ihsan Nafis, M. Cholil Risnandar, Risnandar Setiya, Tanda Suhendra, Maman Taufik Raharjo, Taufik Yustiani, Syanni