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All Journal Journal of Islamic Monetary Economics and Finance An-Nisbah: Jurnal Ekonomi Syariah
Thaker, Mohamed Asmy Bin Mohd Thas
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Religion Economics, Econometrics & Finance

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A CASH WAQF INVESTMENT MODEL: AN ALTERNATIVE MODEL FOR FINANCING MICRO-ENTERPRISES IN MALAYSIA Duasa, Jarita; Thaker, Mohamed Asmy Bin Mohd Thas
Journal of Islamic Monetary Economics and Finance Vol 1 No 2 (2016)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (667.687 KB) | DOI: 10.21098/jimf.v1i2.533

Abstract

This study was designed to empirically determine: (i) to look the factors causes micro enterprises opt for using internal funding instead of external funding; and (ii) to observe the probability of micro enterprises opt for Cash Waqf fund as alternative source of funding their business. The primary data is collected from the administered survey questions in Klang Valley (Selangor and Kuala Lumpur) and the analysis is conducted using statistical analysis and Structural Equation Modeling (SEM). The model is validated its acceptance in the field by adopting the Theory of Reasoned Action (TRA). From the findings, among the factors that lead micro enterprises to use internal funding are strict collateral requirement by commercial financial institutions, high cost of financing, strict documentation requirement and good financial and business track record. Unfortunately, most of them cannot fulfill these conditions and continue to face the problem of accessing finance. The present study has developed the Cash Waqf Investment model to support micro enterprises to improve their access to finance and enhance the skills. Based on the responses received from the field, it has been shown that the intention and readiness of micro enterprises in accepting the model as a source of financial and human capital development services is impressive.
TRUST IN GOVERNMENT: MEASURING INDONESIAN ECONOMIC RESILIENCE FACING RECESSION ISSUE USING GROUNDED THEORY Puspita, Rosana Eri; Afina, Khoirun Nisa; Thaker, Mohamed Asmy bin Mohd Thas
An-Nisbah: Jurnal Ekonomi Syariah Vol 10 No 2 (2023): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v10i2.8749

Abstract

Abstrak: Beberapa negara pernah mengalami resesi, dan terdapat prediksi bahwa Indonesia akan terkena dampak perekonomian global pada tahun 2023. Penelitian ini mengukur kesiapan masyarakat Indonesia dalam menghadapi isu resesi dengan melihat kepercayaan terhadap pemerintah dalam menanganinya. Penelitian ini merupakan penelitian grounded theory yang menyusun variabel dan indikator dengan menggunakan metode kualitatif. Variabel dan indikator tersebut kemudian diuji dengan metode kuantitatif. Data kualitatif diekstraksi dengan software NAWALA dengan pendekatan netnografi yang menganalisis 4409 sampel. Data kualitatif diolah menggunakan software NVIVO. Sedangkan data kuantitatif digali dengan kuesioner dari 146 responden dan diolah menggunakan software SPSS. Hasil pengujian menunjukkan bahwa personaliti pemerintah, framing media, dan kondisi negara saat ini berpengaruh positif dan signifikan terhadap kepercayaan terhadap pemerintah. Keterbaharuan yang ditawarkan dalam penelitian ini adalah isu baru dengan data baru yang dianalisis dengan grounded theory yang belum pernah diteliti oleh penulis lain di Indonesia. Kata kunci: kepercayaan, pemerintah, resesi, grounded theory Abstract: Several countries have experienced recessions, and there are predictions that Indonesia will be affected by the global economy in 2023. This study measures the readiness of Indonesians to face the issue of recession by looking at trust in the government in handling it. This research is a grounded theory that compiles variables and indicators using the qualitative method. These variables and indicators are then tested with quantitative methods. Qualitative data were extracted with NAWALA software with a netnography approach that analyzed 4409 samples. Qualitative data is processed using NVIVO software. Meanwhile, quantitative data were unearthed with questionnaires from 146 respondents and processed using SPSS software. The test results show that government personality, media framing, and present country condition positively and significantly affect trust in government. The novelty offered in this study is a new issue with new data analyzed with the grounded theory that other authors in Indonesia have never studied Keywords: Trust, government, recession, grounded theory
A CASH WAQF INVESTMENT MODEL: AN ALTERNATIVE MODEL FOR FINANCING MICRO-ENTERPRISES IN MALAYSIA Duasa, Jarita; Thaker, Mohamed Asmy Bin Mohd Thas
Journal of Islamic Monetary Economics and Finance Vol. 1 No. 2 (2016)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v1i2.533

Abstract

This study was designed to empirically determine: (i) to look the factors causes micro enterprises opt for using internal funding instead of external funding; and (ii) to observe the probability of micro enterprises opt for Cash Waqf fund as alternative source of funding their business. The primary data is collected from the administered survey questions in Klang Valley (Selangor and Kuala Lumpur) and the analysis is conducted using statistical analysis and Structural Equation Modeling (SEM). The model is validated its acceptance in the field by adopting the Theory of Reasoned Action (TRA). From the findings, among the factors that lead micro enterprises to use internal funding are strict collateral requirement by commercial financial institutions, high cost of financing, strict documentation requirement and good financial and business track record. Unfortunately, most of them cannot fulfill these conditions and continue to face the problem of accessing finance. The present study has developed the Cash Waqf Investment model to support micro enterprises to improve their access to finance and enhance the skills. Based on the responses received from the field, it has been shown that the intention and readiness of micro enterprises in accepting the model as a source of financial and human capital development services is impressive.
Co-Authors Afina, Khoirun Nisa Jarita Duasa Puspita, Rosana Eri