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All Journal Jurnal Manajemen Teknologi Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IQTISHADIA Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Journal of Consumer Science IJIBE (International Journal of Islamic Business Ethics) Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Ekonomi dan Bisnis Islam Tazkia Islamic Finance and Business Review Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Journal of Consumer Sciences Economica: Jurnal Ekonomi Islam Al-Muzara'ah MIZAN Islaminomics: Journal of Islamic Economics, Business and Finance Aptisi Transactions on Technopreneurship (ATT) Journal of Islamic Monetary Economics and Finance International Journal of Zakat (IJAZ) Journal of Sustainable Tourism and Entrepreneurship Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Pusat Inovasi Masyarakat Adpebi Science Series Al-Infaq: Jurnal Ekonomi Islam Halal Studies and Society

Laily Dwi Arsyianti

Department Of Islamic Economics, Faculty Of Economics And Management, Bogor Agricultural University, IPB Darmaga Campus, Indonesia

Author-ID : 1998011

Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Determinant Indonesian Islamic Rural Bank's Characteristics on Implementing Financial Technology for Their Business Priyo, Ahsanul Hadi; Arsyianti, Laily Dwi; Ascarya, Ascarya
Jurnal Manajemen Teknologi Vol 20, No 2 (2021)
Publisher : SBM ITB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12695/jmt.2021.20.2.7

Abstract. Indonesian Islamic rural bank or usually called Bank Pembiayaan Rakyat Syariah (BPRS) conducts business in Indonesia in activities based on sharia principles and providing banking services. The challenging business of BPRS right now is facing the Financial Technology (Fintech) business that grows very fast. Current market conditions request transactions simpler and easier, and the financial industry must be changed to accommodate this condition. To be able to compete with Fintech company, BPRS must be changed to adapt to the customer's needs by implemented Fintech in their business. The study aims to determinant the issues on implementing Fintech for BPRS. This study applies by using the Delphi method combined with the Likert scale. Data was obtained by an in-depth interview with three groups of experts as respondents including BPRS practitioners, Fintech practitioners, and experts. The result of this study shows Fintech is needed by BPRS to simplify the registration process, assess the quality of financing, expand their market share, and adopt ecosystem processes. This study has resulted in BPRS should develop Fintech by their resource, then collaborate with Fintech company on the Fintech area that can't be developed by BPRS.Keywords: BPRS, Collaboration, Delphi, Ecosystem, Fintech.Â Abstrak. Bank Pembiayaan Rakyat Syariah (BPRS) melakukan kegiatan usaha di Indonesia dengan kegiatannya berdasarkan prinsip syariah, dan menyediakan jasa layanan perbankan. Tantangan bisnis BPRS saat ini adalah menghadapi bisnis Teknologi Finansial (Tekfin) yang berkembang sangat pesat. Kondisi pasar saat ini meminta transaksi yang lebih sederhana dan mudah, mengakibatkan industri keuangan harus berubah untuk mengakomodasi kondisi tersebut. Untuk dapat bersaing dengan perusahaan Tekfin, BPRS harus bisa mengubah strategi bisnisnya dengan menerapkan Tekfin dalam mengadopsi kebutuhan nasabah. Penelitian ini bertujuan untuk mengetahui permasalahan terkait penerapan Tekfin bagi BPRS. Penelitian ini menggunakan metode Delphi yang dikombinasikan dengan skala Likert. Data diperoleh melalui wawancara mendalam dengan tiga kelompok ahli sebagai responden yaitu praktisi BPRS, praktisi tekfin, dan tenaga ahli. Hasil penelitian ini menunjukkan bahwa Tekfin dibutuhkan BPRS untuk bisa mempermudah proses registrasi, menilai kualitas pembiayaan, memperluas pangsa pasar, dan mengadopsi proses ekosistem. Penelitian ini juga menyimpulkan bahwa BPRS akan mengembangkan Tekfin menggunakan sumber dayanya sendiri, baru setelah itu berkolaborasi dengan perusahaan Tekfin untuk area Tekfin yang tidak dapat dikembangkan oleh BPRS.Kata kunci: BPRS, Kolaborasi, Delphi, Ekosistem, Tekfin.

Why The Rate Of Financing In Islamic Banks Is High? An Analysis Based On Malaysian Case Irfan Syauqi Beik; Laily Dwi Arsyianti
Tazkia Islamic Finance and Business Review Vol. 3 No. 1 (2008)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v3i1.19

Islamic banking has grown rapidly and has become fi nancial-nerve centre in today’s world economy, particularly in the last three decades. It has attracted various entrepreneurs and enterprises to get its fi nancing. However, Islamic banks tend to have a higher rate of fi nancing compared to the conventional ones. This less competitiveness encourage the demand for Islamic products may fall leaving the Islamic banks. Good debtors opted for conventional loans since the interest rates paid were relatively lower and the rest (the bad debtors) successfully made their way to Islamic banks. Therefore, the nonperforming financing of Islamic banks is high. This paper attempts to analyze factors that determine high rate of fi nancing in Islamic banks, by taking the case of Malaysian Islamic banks. In this paper, the top three of Islamic banks and conventional banks are selected for comparison. It finds that high default premium and overheads per capital contribute signifi cantly to the high fi nancing rate. Hence, the Islamic banks should diversify their assets and implement universal banking concept.Keywords: Islamic bank, rate of fi nancing, NPF (Non-Performing Financing), universal banking system

SHARIA-COMPLIANT CREDIT CARD EXPOSURE AND UTILISATION IN THE GROWING DIGITAL ECONOMY Laily Dwi Arsyianti; Adelia Adelia
Journal of Islamic Monetary Economics and Finance Vol 5 No 4 (2019)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v5i4.1138

Many cashless payment tools have been introduced into the Indonesia market in the form of electronic money cards. The Sharia-compliant credit card is a traditional electronic payment tool, but is provided by only two Islamic finance institutions among the many in Indonesia. The increase in Sharia-compliant credit card transactions over time may mean banks are exposed to non-performing risk. Customer behaviour varies in the use of such cards, and this may cause unpredicted results with regard to card performance. Therefore, the purposes of this study are: 1) to identify the behaviour of Sharia-compliant credit card users and 2) to analyse the factors which influence this behaviour. The primary data were gathered by distributing questionnaires with a total sample of 170 respondents and were analysed by employing structural equation modeling. The research shows that gender, age, and education influence perceived behaviour control, and that expenditure influences subjective norms. Customers’ attitudes, subjective norms and perceived behaviour control are proven to influence their intentions, while customers’ intentions, perceived behaviour control and income influence their behaviour when using Sharia-compliant credit cards. For further sustainable inclusive growth, issuers should pay attention to education for specific audiences.

IMPROVING FINANCIAL EDUCATION TO THE POOR AT THE BOTTOM-OF PYRAMID: THE ROLE OF SOCIAL FINANCE VIS A VIS FINANCIAL INSTITUTIONS Laily Dwi Arsyianti; Salina Kassim
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.1.1.44-52

This paper aims to explore the role of Islamic social finance and financial institutions in contributing towards improving financial inclusion through financial education among the poor. While there have been a lot of efforts undertaken by financial institutions, especially microfinance institutions, to achieve the financial inclusion agenda, the financial inclusion programs would normally require high operational costs which many financial institutions would consider them as not commercially viable. The costs thenare transferred back to the customers, resulting in the financing/ credit cost higher than commercial financial institutions. As a result, incidences of bankruptcyincrease when the cost of credit is higher. Thus, financial education is essential for average family in managing their day to day financial resources. While financial institutions keep busy with financial inclusion agenda and trying to find the best way without disturbing their core business agenda, Islam offers social finance institution (amil and nadzir) as the solution to this problem.

Produktif Saat Pandemi melalui Edukasi Hidroponik dan Aquaponik untuk Masyarakat Perkotaan (Studi Kasus: Kota Bekasi, Jawa Barat) Laily Dwi Arsyianti; Divary Raihan Pratama; Nadia Fauzana; Ryan Arif Basardi
Agrokreatif: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 7 No. 2 (2021): Agrokreatif Jurnal Ilmiah Pengabdian Kepada Masyarakat
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agrokreatif.7.2.107-114

Indonesia is one of countries affected by the pandemic of Covid-19. All aspects of prevention and countermeasures have been carried out by various parties around the world regarding the pandemic that has occurred from March 2020 to the present. The agricultural sector is of concern because it has an important role and is closely related to national food security, as well as the supporting sector to strengthen Indonesia economy, particularly in such condition. Agriculture also can offer a solution to avoid food crises. One of the activities is to diversify food and not rely entirely on the amount of food in the market. This activity attempts to utilized limited area available in the city, thus it becomes more productive especially during pandemic. The hydroponic and aquaponic system of agricultural cultivation technology provides an alternative to be used as an adequate source of income and can meet family food needs. This technique can be carried out by people who live both in rural and urban areas which is not required a wide space. This activity can strengthen family food security as well as become additional income or even the main income of the family.

Islamic Financial Literacy and Its Influence on Student Financial Investment and Behavior Fitriana Rahman; Laily Dwi Arsyianti
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 13, No 2 (2021)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Abstract. The Financial Services Authority survey 2019 shows an Islamic financial literacy rate of 8.93% and has not been evenly distributed in every sector, especially in the capital market. The capital market Islamic financial inclusion index also has the lowest among other sectors. This study aims to analyze the level of Islamic financial literacy of students of the FEM IPB University and its influence on investment decisions through financial behavior with descriptive analysis and SEM-PLS methods. The results show the average level of Islamic financial literacy of respondents is 81.17%. Islamic financial literacy influences investment decisions and financial behavior. Then, financial behavior directly influences investment decisions. It also mediates the influence of Islamic financial literacy on investment decisions. The other finding indicates that gender has no influence, while income has a positive and significant effect on investment decisions.Keywords: Financial Behavior, Investment Decision, Islamic Financial Literacy, SEM-PLS Abstrak. Survei Otoritas Jasa Keuangan 2019 menunjukkan tingkat literasi keuangan syariah sebesar 8,93% dan belum merata di setiap sektornya terutama pada pasar modal. Indeks inklusi keuangan syariah pasar modal juga memiliki nilai terendah di antara sektor lain. Penelitian ini bertujuan menganalisis tingkat literasi keuangan syariah mahasiswa FEM IPB University dan pengaruhnya terhadap keputusan investasi melalui perilaku keuangan dengan metode analisis deskriptif dan SEM-PLS. Hasil penelitian menunjukkan rata-rata tingkat literasi keuangan syariah responden adalah 81,17%. Literasi keuangan syariah berpengaruh terhadap keputusan investasi dan perilaku keuangan, kemudian perilaku keuangan berpengaruh langsung terhadap keputusan investasi dan mampu memediasi pengaruh literasi keuangan syariah terhadap keputusan investasi. Ditemukan pula bahwa jenis kelamin tidak memiliki pengaruh, sementara pendapatan berpengaruh positif dan signifikan terhadap keputusan investasi.Kata kunci: Literasi Keuangan Syariah, Keputusan Investasi, Perilaku Keuangan, SEM-PLS

Construction Of CIBEST Model as Measurement of Poverty and Welfare Indices From Islamic Perspective Irfan Syauqi Beik; Laily Dwi Arsyianti
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 7, No 1: January 2015
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

One of the major challenges faced by most of the Islamic countries is poverty. This paper attempts to construct the concept of poverty and welfare standards based on Islamic perspective.The study tries to cover both material and spiritual dimensions. These standards are based on CIBEST Quadrant, which is divided into four quadrants: welfare quadrant (I), material poverty quadrant (II), spiritual poverty quadrant (III) and absolute poverty quadrant (IV). Determination of these quadrants is resulted from criteria and indicators of basic material needs and basic spiritual needs. By using household as unit of analysis, this study is able to developCIBEST Model comprising welfare index, material poverty index, spiritual poverty index, and absolute poverty index. Mathematical formula and illustration of the indices are also elaborated to strengthen the concept.DOI:10.15408/aiq.v7i1.1361

Enhancing Financial Education: Debt-Taking And Charity-Giving Context In Indonesia Laily Dwi Arsyianti; Salina Kassim; Adewale Abideen Adeyemi
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 3, No 2 (2018): December 2018
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v3i2.1195

The low-income households are perceived to have the right to take debt from excessfinanced group or entitled for some charity. However, this perception has blur their attitude towards charity-giving. Low-income should not consider themselves as 'the taker' in perpetual. They should instil giving behaviour and consider themselves as 'the giver'. Experts from financial education and Islamic finance areas are interviewed. Results from Analytic Network Process suggest that setting specific targeted behaviour is the most priority, with debt-taking focus of interest. Women apparently become the most urgent targeted audience of Islamic finance education. Before executing education program, participant’s belief towards Islamic value should be built. Experts suggest formal education institution be the most preferable place to establish the program, in collaboration with formal financial institutions to conduct the training and support from government budget. Introducing Islamic economics and finance values from the earlier stage of formal education would be suitable for future consideration.

Analisis Pembiayaan Sektor Perdagangan Hotel dan Restoran pada Perbankan Syariah di Indonesia Geri Suryadi; Dominicus Savio Priyarsono; Laily Dwi Arsyianti
AL-MUZARA'AH Vol. 2 No. 2 (2014): AL-MUZARA'AH (December 2014)
Publisher : Department of Islamic Economics, IPB University

Islamic banking is an alternative for entrepreneurs in trade, hotel, and restaurants (THR) to obtain capital relief that can push the pace of economic. The purpose of this study was to analyze the response of Islamic banking financing ratios on THR sector in the event of shocks to the banking performance factors, monetary instruments, macroeconomic conditions and the rate of return and analyze the contribution of each variable in explaining the diversity of Islamic financing ratios in THR sector. The analytical method used is Vector Error Correction Model (VECM) with variables that describe the performance of banking, macroeconomic conditions, monetary instruments, and financial returns. The results showed that, shocks to the variables Industrial Production Index (IPI), lending rates (SBK) and equivalent rate financing (ERP) will be responded positively by Islamic financing ratio of THR sector. While shocks to the variables of Third Party Funds (TPF), troubled financing (NPF), a bonus SBI Sharia (BSBIS), inflation (INF) and the placement of funds in the money market with Sharia principles (PUAS) will be responded negatively by Islamic financing ratio of THR sector. Based on this research, Islamic banking should be more focus on financing for the PHR sector because it will provide a great benefit to the development of the real sector.

Debt Service of Low-Income Households in Indonesia Laily Dwi Arsyianti; Irfan Syauqi Beik
AL-MUZARA'AH Vol. 3 No. 1 (2015): AL-MUZARA'AH (June 2015)
Publisher : Department of Islamic Economics, IPB University

External source of fund is one way to get funds, but when it reaches 50 percent and above of disposable income, it becomes an issue. This paper attempts to elaborate determinants influencing low-income household in having 50 percent or more debt service ratio. By utilizing logistic regression approach to extract the data collected in the Greater Jakarta Indonesia, this study finds that when household head’s age is 45 years old and above, having 5 dependents or more, and is a home owner, the household is the most likely to have 50 percent and above debt service. While the least likely is when household head originally from Jakarta, no worry about future domestic economy condition, and have more than USD80 income per month. Variances of education level, marital status, occupation, financing institution, charity per income are not proved statistically significantly give effect to the variance of debt service in this study

Co-Authors Abideen Adewale Adelia Adelia Adewale Abideen Adeyemi Adeyemi, Adewale Abideen Amirah Firas Mufidah Ascarya Ascarya Atikah, Raden Muhammad Jiddan Aziz Aurahma, Adora Daffa Aqomal Haq Dewi, Destiana Rahmawati Divary Raihan Pratama Divary Raihan Pratama Dominicus Savio Priyarsono Fajar Maulana . Fitriana Rahman Furqon Syarief Hidayatulloh Geri Suryadi Haq, Daffa Aqomal Hartoyo Hartoyo Hendri Hermawan Adinugraha Ibdalsyah Ibdalsyah Imam Teguh Saptono Indupurnahayu Iqbal Mahmudin Irfan Syauqi Beik irwandar, Sapta N Jesika Permatasari Joko Affandi Lilik Noor Yuliati Lutfiyah, Konita M. Syamsul Maarif Marcellina, Aaliya Mariyah, Meliani Siti Marsa, Salsabila Mohammad Iqbal Irfany Muthohharoh, Marhamah Myrella Velika Amanta Nadia Fauzana Nadia Fauzana Nadiya Ulfa Nur Baethi Hariyana Primadona, Fitry Priyo, Ahsanul Hadi Puspitasari, Fadiyah Hasta Renea Shinta Aminda Ryan Arif Basardi Ryan Arif Basardi Salina Kassim Salina Kassim Salina Kassim Salina Kassim Salsabila Marsa Saputra, Danu Chandra Sopyan, Dedi Thahira, Hana Ulfa, Nadiya Wiwiek Rindayati Yudha Heryawan Asnawi Yusman Syaukat

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