Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Jurnal Paradigma Ekonomika Jurnal Ekonomi & Keuangan Islam
Nadratuzzaman Hosen, Muhamad
Unknown Affiliation
Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Islamic micro-banking model with a target market of ultra-micro enterprises (case study of BTPN Syariah) Muhari, Syafaat; Nadratuzzaman Hosen, Muhamad; Djamaluddin Sanrego, Yulizar
Jurnal Paradigma Ekonomika Vol. 19 No. 2 (2024): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

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

Abstract

This research differs from previous research, in that this is focused upon analyzing the performance of the BPTN Syariah (compliant with Islamic banking rules) Bank, which is a commercial financial institution (bank) fully committed to financing the poor of society (ultra-micro enterprises), which comprise its market segment. This financing segment, in the category of ultra-micro and small enterprises, is considered to be one of high risk for a bank, The aim of this research was to evaluate to just what extent the performance of the BTPN Syariah was focused upon the financing of the ultra-micro enterprise segment of the poor of society. Based upon the analysis of the Risk Profile, of Good Corporate Governance, of Earnings, and of Capital (RGEC), it may be concluded that the BTPN Syariah had a much better rating than those of other Islamic banks, with a low level of risk and a high level of profitability. This different performance was brought about by the BTPN Syariah being supported by representatives/agents who empower and guide customers (customer service officers), which had an impact upon the creation of social capital. This showed that customers in the ultra-micro enterprise segment were of low risk when financed, and that the widening of financial access for the poor of society was needed.
Influence of Sharia compliance on MSMEs' intention to use Islamic crowdfunding in Indonesia Hendratmoko , Hendratmoko; Nadratuzzaman Hosen, Muhamad; Muafi, Muafi
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 2, July 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss2.art10

Abstract

Purpose – The primary objective of this research is to analyze the influence of Sharia Compliance on increasing the intention of Micro, Small, and Medium-sized Business Owners to use Islamic crowdfunding in Indonesia.Methodology – This research employed a mixed method, utilizing purposive sampling for data collection. This study targeted Micro, Small, and Medium Enterprises (MSME) owners in Jakarta in April 2021. Data were collected through the online distribution of questionnaires to 75 respondents and in-depth interviews were conducted with three informants. Subsequently, the data were processed using partial least squares analysis with SmartPLS software.Finding – The results of this research indicate that the variable of sharia compliance had a direct and significant influence on perception, whilst the variables of ease of use, knowledge and subjective norms had no influence on perception. Sharia compliance was a significant factor influencing intention. Meanwhile, ease of use, knowledge, subjective norms, and perception were not statistically significant in relation to intention. Perception cannot function as a mediating variable.Implication – The function and role of the Sharia Supervisory Board (SSB) in the business of Islamic crowdfunding is very important and strategic, so that ‘sharia compliance’ can truly be accomplished.Originality – The original contribution of this research lies in emphasizing that Sharia compliance truly needs to be integrated into the business process of Islamic crowdfunding.
Co-Authors Hendratmoko , Hendratmoko Muafi Octoviyana Rahmah, Nur Syafaat Muhari Yulizar Djamaluddin Sanrego, Yulizar Djamaluddin