Claim Missing Document
Check
Articles

Found 28 Documents
Search

Religiositas sebagai Moderating Variabel Perilaku Konsumsi Rumah Tangga Muslim Bawono, Anton
ISLAMICA: Jurnal Studi Keislaman Vol 8, No 2 (2014): Islamica
Publisher : Program Pascasarjana UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (356.688 KB) | DOI: 10.15642/islamica.2014.8.2.503-524

Abstract

The main objective of this study is to analyze the influence of the religiosity variable as a moderating variable towards the influence of the future income and wealth expectation on stimulating the consumption behavior, and future prospects. The research design used in this study is a survey method. This study is based on the primary data obtained from the respondents in the field observation. The analysis tool is quantitative. In order to answer the research objectives and hypotheses, the study uses multiple regression analysis. To view the suitability of the multiple regression equation model used, a statistical test and classical assumption test are conducted. The analysis indicates that the religiosity variable influences the variable determining consumption. The variable of expected income, an expectation of liquid wealth one period ahead, affects current consumption, which is driven by religiosity. There is a new aspect of this study that is not found in the previous studies, i.e. that the religiosity variable becomes the moderating variable of the variables of income and liquid wealth expectations of future periods, which influence the current consumption behavior. It means that of the variables investigated and concluded so far as those determining consumptions behavior, there is another variable, namely religiosity, which has a more dominant effect in determining consumption behavior.
Creative Economic Development of Pesantren Bawono, Anton
Shirkah: Journal of Economics and Business Vol 3, No 1 (2018)
Publisher : Faculty of Islamic Economics and Business, Institut Agama Islam Negeri (IAIN) Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (267.642 KB) | DOI: 10.22515/shirkah.v3i1.180

Abstract

This article mostly focuses on the values performed by pesantren (Islamic boarding school) in taking influence of creative economics within the community. Three factors observed in this paper mainly but may relate to other variables are embedded traditional values, technological resources and the role of ustadz and kyai engaged in the creative economic process. Taking several pesantren in Java and Yogyakarta as research sites, while conducting multiple regression as technique of analysis, this research shows that aforementioned variables have a positive and significant influence on developing creative economic of pesantren. Creative economic of pesantren largely invites more elaborative research, while this research can be a preliminary contribution to the field of new economic challenges within Islamic society.Keywords: pesantren, creative economics, kyai, ustadz
Analisis Pemahaman, Produk, dan Tingkat Religiusitas terhadap Keputusan Mahasiswa IAIN Menjadi Nasabah Bank Syariah Cabang Salatiga Bawono, Anton; Oktaviani, Milatunnikmah Finisia Rahajeng
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v7i1.29-53

Abstract

The purpose of this research is to analyze the understanding, product, andlevel of religiosity towards students’ decision of being costumer of Islamicbank. This is a quantitative research. The object of this research is studentsof State Institute for Islamic Studies of Salatiga. The writer took 100 studentsas sample of this research. The method used to collect the data is questionnaire. The data is analyzed using test of reliability, validity, statistic and classical assumption. The research findings showed that the product of sharia bank has significant and positive influence. It occurred because the product offered by sharia bank is innovative. The variable of understanding about sharia bank and level of religiosity towards students’ decision of being costume of sharia bank has positive influence but insignificant.Tujuan dari penelitian ini adalah menganalisa pemahaman, produk, dan tingkatreligiusitas terhadap putusan mahasiswa menjadi nasabah bank syariah.Penelitian ini menggunakan metode kuantitatif. Objek penelitian yang digunakanadalah mahasiswa IAIN Salatiga dengan jumlah sampel sebanyak 100 mahasiswa. Sedangkan untuk tekhnik pengumpulan data dilakukan dengan menggunakan metode kuesioner, studi pustaka. Data diolah menggunakanuji reliabilitas, validitas, statistik dan asumsi klasik Dari hasil pengolahandata tersebut menunjukan bahwa yang berpengaruh positif dan signifikan hanya variabel produk saja, karena produk-produk yang ditawarkan bank syariah sangat inovatif sehingga membuat mahasiswa tertarik untuk membuka rekening pada BSM cab. Salatiga. Sedangkan variabel pemahaman bank syariah dan tingkat religiusitas mahasiswa berpengaruh positif dan tidak signifikan terhadap keputusan mahasiswa IAIN Salatiga menjadi nasabah pada BSM cab. Salatiga.
Kontribusi Religiusitas dalam Perilaku Pengambilan Keputusan Konsumsi Bawono, Anton
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v2i1.115-133

Abstract

Consequential is one aspect of religiousity, which one is away from any form imposed by Allah s.w.t. Consumption is forbidden by Allah swt is the consumption of haram goods. In this study will look at contributions halalness a product of consumption decisions. This study used four independent variables of quality, halal, price and side effects. The sampling method used was non-probability sampling method using the method of sampling convenience. Analysis of data has using multiple linear regression analysis. The findings of the four variables showed a positive and significant effect, the variable side effects are most dominant variable. While halal variable have the second greatest influence in determining consumption decisions. This suggests that religiosity variable is a variable that determines the capture market share, in the marketing strategy
Analisis Pemahaman, Produk, dan Tingkat Religiusitas terhadap Keputusan Mahasiswa IAIN Menjadi Nasabah Bank Syariah Cabang Salatiga Bawono, Anton; Oktaviani, Milatunnikmah Finisia Rahajeng
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v7i1.29-53

Abstract

The purpose of this research is to analyze the understanding, product, and level of religiosity towards students’ decision of being costumer of Islamic bank. This is a quantitative research. The object of this research is students of State Institute for Islamic Studies of Salatiga. The writer took 100 students as sample of this research. The method used to collect the data is questionnaire. The data is analyzed using test of reliability, validity, statistic and classical assumption. The research findings showed that the product of sharia bank has significant and positive influence. It occurred because the product offered by sharia bank is innovative. The variable of understanding about sharia bank and level of religiosity towards students’ decision of being costume of sharia bank has positive influence but insignificant
Perubahan Kesadaran Berzakat, atas Pengaruh Video Iklan Layanan Masyarakat dan Dampaknya pada Masyarakat Jateng dan DIY Bawono, Anton; Erlangga, Rifqi Aulia
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 13, No 1 (2019)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v13i1.149-176

Abstract

This study aims to find out how much influence public service video ads have on zakat awareness. A total of 200 Muslim respondents from Central Java and Yogyakarta. The research method used is linear regression, which is processed with the help of SPSS 16.00 statistics. In addition to the study, a response was also made to the video on public service advertisements and a description of the awareness of the people of Central Java and Yogyakarta. From the findings, it was found that 19.2% of zakat awareness increased after watching a public service advertisement video. Positive findings are expected to be the light of the people of Central Java and Yogyakarta to immediately pay zakat. The amil zakat institution is also expected to be helped in terms of increasing the zakat conscious movement through mass media facilities
The Analysis of Inflation Effect, Interest Rate and Exchange Rate on Financing: Third-Party Funds as an Intervening Variable of Sharia Banking in Indonesia Bawono, Anton; Ulinnuha, Ulinnuha; Nasikin, Muhammad Kava
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (434.677 KB) | DOI: 10.26740/al-uqud.v5n2.p%p

Abstract

The purpose of this study was to determine the effect of inflation, interest rate and the exchange rate on financing, with third-party funds sharia banking as an intervening variable in Indonesia. This research uses quantitative research using path analysis as data analysis. The data of this study uses secondary data with the time series method which includes of total financing, mudharabah financing, musyarakah financing, murabahah financing, third-party funds, inflation, interest rates, exchange rate. The data have been obtained and analyzed using Eviews software tool version 6.The results of this study indicate that inflation, interest rates have not effect on total financing, mudharabah financing, musyarakah financing and murabahah financing. Exchange rate have a negativ and significant effect on musyarakah financing and have a positiv and significant effect on murabahah financing. Third-party funds have a positive and significant effect on total of financing, mudharabah financing, musyarakah financing and murabahah financing. The results of path analysis show that Third-Party funds cannot mediate the effect of inflation, interest rates and exchange rates the total financing, mudharabah financing, musyarakah financing and murabahah financing.
Strengthening Indonesia's Economic Growth with Islamic and non-Islamic Macroeconomic Variable Alifah, Eba Ismi; Bawono, Anton
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.4907

Abstract

Abstract: This research was conducted to determine the effect of taxes, Sukuk, grants, inflation, foreign debt, total financing, and the network of Islamic bank offices on Indonesia's economic growth. Research data for each variable is monthly from 2009-2018. Data analysis variables use Error Correction Model (ECM) Test and Autoregressive Conditional Heteroscedasticity (ARCH) Test with Eviews ver.10. The results showed that in the short and long term, variables taxes, Sukuk, inflation, foreign debt, total financing, and office networks of Islamic banks) affected the Indonesian economic growth. At the same time, grants have no significant effect on economic growth. For variable predictions in the next year (2019), only economic growth, grants, inflation, foreign debt, and network of Islamic bank offices can be predicted. Meanwhile, taxes, Sukuk, and total financing cannot be identified in 2019 because the variables are not significant in the ARCH analysis, so it cannot be diagnosed about future values. This result implies that the government and the community must continue to work together to manage state revenues used to fund productive projects to stimulate economic growth.Abstrak: Penelitian ini dilakukan untuk mengetahui pengaruh pajak, sukuk negara, hibah, inflasi, utang luar negeri, jumlah pembiayaan dan jaringan kantor bank syariah terhadap pertumbuhan ekonomi Indonesia. Data penelitian setiap variabel berupa bulanan dari tahun 2009-2018. Uji variabel penelitian menggunakan Uji Error Correction Model (ECM) dan Uji ARCH menggunakan Eviews ver.10. Hasil penelitian menunjukkan bahwa dalam jangka pendek maupun jangka panjang, variabel pajak, sukuk negara, inflasi, utang luar negeri, jumlah pembiayaan dan jaringan kantor bank syariah berpengaruh signifikan terhadap pertumbuhan ekonomi Indonesia. Sedangkan variabel hibah tidak berpengaruh secara signifikan terhadap pertumbuhan ekonomi. Untuk prediksi variabel di tahun berikutnya (tahun 2019), hanya variabel pertumbuhan ekonomi, hibah, inflasi, utang luar negeri dan jumlah jaringan kantor bank syariah yang dapat diprediksi, sedangkan pajak, sukuk negara, dan jumlah pembiayaan tidak dapat diketahui nilai perkembangannya di tahun 2019 karena variabel tersebut tidak signifikan pada analisis ARCH. Sehingga tidak dapat di diagnosa dalam bentuk ARCH untuk dilakukan forecast data agar diketahui tentang nilai di masa yang akan datang. Implikasi dari temuan ini adalah diperlukan upaya yang berkesinambungan dari pemerintah dan masyarakat dalam mengelola penerimaan negara yang dimanfaatkan untuk mendanai proyek yang produktif sehingga dapat mempercepat pertumbuhan ekonomi. 
PENGARUH DPK, NPF DAN ZPR TERHADAP PROFITABILITAS DENGAN FDR SEBAGAI MODERASI Sari, Winda Novita; Bawono, Anton
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i2.969

Abstract

Based on the phenomenon regarding the development of Return on Assets (ROA) in Islamic banking in Indonesia in recent years, which shows the occurrence of fluctuations in developments and descriptions of what factors influence the financial performance of Islamic banking based on existing theory, there is an inconsistency in this research, namely the use of the moderating variable, namely Financing to Deposit Ratio (FDR), to see the relationship between DPK, NPF, and ZPR on ROA. The results of this study show that DPK has a negative and significant effect on the profitability of Islamic commercial banks. Non-performance financing has a negative and insignificant effect on the profitability of Islamic commercial banks. ZPR has a negative and insignificant effect on the profitability of Islamic commercial banks. This is caused by the fact that most Islamic commercial banks payments of zakat are not yet perfect, namely 2.5% of their assets, which have reached the ratio. Or even not paying zakat at all. and for the variable financing deposit ratio, it is able to moderate the effect of DPK and NPF on the ROA of Islamic Commercial Banks. However, the financing deposit ratio variable is not able to moderate the effect of ZPR on the ROA of Islamic commercial banks. Which means FDR is not a moderating variable on the effect of ZPR on the ROA of Islamic commercial banks.Keywords: Profitability; ZPR; FDR
THE INFLUENCE OF FINANCIAL TARGET, INEFFECTIVE MONITORING, RATIONALIZATION AND DUALISM POSITION ON THE FRAUDULENT FINANCIAL STATEMENT WITH A AUDIT COMMITTEE AS A MODERATION ISLAMIC COMMERCIAL BANKS IN INDONESIA PERIOD 2015 – 2021 Sahri, Sahid Alfi; Bawono, Anton
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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

Abstract

Abstract This study has the intention to find out how the influence of financial target, ineffective monitoring, rationalization and dualism position on fraudulent financial statement with audit committees as a moderating variable in islamic commercial bank in Indonesia. In the research that has been carried out, the method used is quantitative by processing panel data obtained from the annual report for each islamic commercial bank. After conducting the test, the result obtained that the financial target variable has positive but not significant (no effect) on fraudulent financial statement. Ineffective monitoring has a negative but not significant (no effect) on fraudulent financial statement. Rationalization has a negative and significant effect on fraudulent financial statement. Dualism position has a negative and significant effect on fraudulent financial statement. The audit committee has a negative and not significant (no effect) on fraudulent financial statement. The audit committe was unable to moderate the effect of financial target on fraudulent financial statement. The audit committee was unable to moderate the effect of ineffective monitoring on fraudulent financial statement. The audit committee is able to moderate the effect of rationalization on fraudulent financial statement. The audit committee is able to moderate the effect of dualism position on fraudulent financial statement fraud. In conclusion, financial target, ineffective monitoring, rationalization dan dualism position have no effect on fraudulent financial statement. The audit committe was unable to moderate financial target dan ineffective monitoring and other variable cannot be moderated by committee audit.