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All Journal Jurnal Al-Qardh Al-Qalam Revenue: Jurnal Manajemen Bisnis Islam Finansha: Journal of Sharia Financial Management Ekonomi Islam Indonesia Muslim Business and Economic Review Review on Islamic Accounting Likuid: Jurnal Ekonomi Industri Halal Islamic Economics Methodology Journal of Accounting Inquiry
Berakon, Izra
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences

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Journal : Muslim Business and Economic Review

 1 
Gaining Sustainable Performance through Risk Management System: Dealing with Uncertainty in Islamic Insurance Companies Addini, Sabila Nur; Berakon, Izra; Muhammad, Nor Nabilla
Muslim Business and Economics Review Vol. 3 No. 2 (2024)
Publisher : Universitas Islam Internasional Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56529/mber.v3i2.306

Abstract

This study investigates how the halal business process sustains company performance by examining the effect of premiums, claims, operating costs, investment income, and risk-based capital on the profitability of Islamic insurance in Indonesia. In particular, the risk management system is key to demonstating how Islamic insurance companies restrain risks to gain profits, considering that the basic concept of Islamic insurance is the risk sharing approach. Moreover, to provide research novelty and originality, the authors expand the research framework to include the interactions of the company's risk management system to test the influence of investment income and risk-based capital on profitability. The overall population comprised all Islamic insurance companies in Indonesia, but samples were restricted to life insurance businesses registered with the Indonesian Islamic Insurance Association for 2018-2022. The authors were left with a sample of 13 companies after using a non-probability approach with a purposive sampling technique. The data was analyzed by STATA 17 on four gradual statistical procedures: Panel Data Regression Analysis, Moderated Regression Analysis, Robustness Test Analysis, and Content Analysis. The results demonstrate that the premiums, claims, and investment income have no significant effect on company profitability. Meanwhile, operational costs and risk-based capital have a significant effect on profitability performance. Furthermore, enterprise risk management successfully acts as a moderating variable. Based on findings, the authors strongly recommend that Islamic insurance companies effectively implement enterprise risk management in dealing with uncertain circumstances for the real business process.
What Drives Consumers to Use Syariah M-Banking to Purchase E-Money? Integration of UTAUT 2 and Mobile Service Quality Septiani, Alfian Nisa; Berakon, Izra; Pertiwi, Ruspita Rani; Pradana, Mahatva Yoga Adi; Kamal, Safwan
Muslim Business and Economics Review Vol. 1 No. 2 (2022)
Publisher : Universitas Islam Internasional Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56529/mber.v1i2.68

Abstract

This study investigates what factors persuade consumers to purchase e-money via syariah m-banking applications. Researchers extended the Unified Theory of Acceptance and Use of Technology (UTAUT 2) to find new information as well as to accommodate the limitations and discussions of previous studies. A purposive sampling technique was adapted to select respondent criteria. The collected data from 120 respondents were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM), supported by WarpPLS 8.0, through three main stages of analysis: measurement model, structural model, and hypothesis testing. Additional analysis was undertaken to produce robust findings by explaining multicollinearity, common method bias, and multigroup analysis by categorizing two groups of respondents (male and female). Researchers found that only social influence and hedonic motivation have a significant effect on trust from the UTAUT 2 model. On the other hand, two exogenous constructs in the mobile service quality model proved to have a significant effect on trust, security (privacy), and practicality. Furthermore, the research showed that trust is a fundamental factor in influencing continuance intention because it produces the largest effect size (f-square) and significant path coefficient value. The findings should encourage all Islamic banking stakeholders and practitioners to increase individual trust by creating educational and innovative programs connected with consuming digital banking services, especially e-money purchases.
Co-Authors Addini, Sabila Nur Adi Pradana, Mahatva Yoga Alya Azhana Maulidha Andani, Listia Anjaswati, Nur Deny Hidayat Hasan, Nadya Atiqoh Irsad, Agus Muhammad Kamal, Safwan Kharista, Salwa Dina Lu'liyatul Mutmainah Muhamad Tanzi Maulana Muhammad, Nor Nabilla Pertiwi, Ruspita Rani Pradana, Mahatva Yoga Adi Ridwan Alamsyah Septiani, Alfian Nisa Siti Nur Azizah, Siti Nur Zaymin, Haidarullah