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All Journal Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Jurnal Bisnis dan Ekonomi Economic Journal of Emerging Markets Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) MEDIA EKONOMI & TEKNOLOGI INFORMASI JEJAK Trikonomika: Jurnal Ekonomi Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) INFERENSI Assets : Jurnal Ekonomi, Manajemen dan Akuntansi EQUILIBRIUM IQTISHADIA Jurnal Penelitian Ekonomi dan Bisnis Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan MEDIA Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Jurnal Ekonomi Syariah Teori dan Terapan LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Prosiding Seminar Nasional IPTEK Terapan (SENIT) 2016 Pengembangan Sumber Daya Lokal Berbasis IPTEK E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Ilmiah Ekonomi Islam Jurnal REKOMEN (Riset Ekonomi Manajemen) Halaqa : Islamic Education Journal Economica: Jurnal Ekonomi Islam Jurnal Dinamika Ekonomi dan Bisnis al-Uqud : Journal of Islamic Economics JEPA (Jurnal Ekonomi Pertanian dan Agribisnis) Jurnal Ilmiah Al-Syir'ah Jurnal Organisasi Dan Manajemen Jurnal Ekonomi & Keuangan Islam Tawazun: Journal of Sharia Economic Law EKO-REGIONAL JURNAL PENGEMBANGAN EKONOMI WILAYAH Jurnal Basicedu Shirkah: Journal of Economics and Business YUME : Journal of Management IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Ilmu Manajemen dan Akuntansi Terapan Iqtishodia: Jurnal Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Syar'Insurance: Jurnal Asuransi Syariah JES (Jurnal Ekonomi Syariah Jurnal Pasopati : Pengabdian Masyarakat dan Inovasi Pengembangan Teknologi Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Eksponen Jurnal Pengabdian Masyarakat Indonesia Islamiconomic: Jurnal Ekonomi Islam Nusantara Islamic Economic Journal Diponegoro Journal of Islamic Economics and Business Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Basicedu Al-Irsyad: Journal of Education Science IIJSE Jurnal Studi Manajemen Bisnis Journal of Finance and Islamic Banking Jurnal Kajian Ekonomi dan Perbankan Syariah
Darwanto Darwanto
Department Islamic Economics, Faculty Of Economics And Bussiness, Diponegoro University, Semarang, Indonesia, Jl. Prof. Sudarto No.13, Tembalang, Kec. Tembalang, Kota Semarang, Jawa Tengah 50275
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Determinants of Behavioral Intentions to Use Sharia Financial Technology (Fintech) Dani Setiawan; Darwanto Darwanto; Edy Yusuf Agung Gunanto
Signifikan: Jurnal Ilmu Ekonomi Vol 10, No 2 (2021)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v10i2.21451

Abstract

The growth of sharia fintech is not proportional to the majority of the Muslim population. There are only a few studies that discuss the behavioral intentions of consumers who use sharia fintech. This study aims to identify the factors influencing Muslim's behavioral intentions in using sharia fintech. This study conducted 400 respondents in four types of sharia fintech (digital payment, lending, crowdfunding, and risk and management). This study uses a structural Equation Modeling - Partial Least Square (SEM-PLS) approach. Variable Planned behavior (PB), Acceptance Model (AM), Use of Technology (UT), Digital Literacy (DL), and Sharia Financial Literacy (SFL) have significant positive effects on Behavior Intention (BI). This study provides recommendations to improve the distribution of internet access infrastructure and the right curriculum in increasing digital literacy, Islamic finance literacy, and also more accessible fintech services.JEL Classification: D83, D91, G2, Z1How to Cite:Setiawan, D., Darwanto., & Gunanto, E. Y. A. (2021). Determinants of Behavioral Intentions to Use Sharia Financial Technology. Signifikan: Jurnal Ilmu Ekonomi, 10(2), 325-342. https://doi.org/10.15408/sjie.v10i2.21451.
Central Bank Independence and Inflation: The Matters of Financial Development and Institutional Quality Agung Kunaedi; Darwanto Darwanto
Signifikan: Jurnal Ilmu Ekonomi Vol 9, No 1 (2020)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (315.293 KB) | DOI: 10.15408/sjie.v9i1.12899

Abstract

The inverse relationship between the independence of the central bank (CBI) and inflation became a consensus that trusted throughout the world. However, there is no conclusive explanation of why and how central bank independence has succeeded in suppressing inflation. The purpose of this study is to examine the influence of financial development and institutional quality on the relationship between central bank independence and inflation. Using 20 Countries of Asia with institutional diversity, this study analyzed through a dynamic panel approach (GMM-Arellano and Bond Estimator). The result indicates that the inverse relationship between central bank independence and inflation depends on the development of the financial sector and also the institutional quality of each country. In other words, to make the central bank's independence work effectively in order to solve bias inflation, the improvement of the financial sector and also the institutional quality is needed.JEL Classification : E580, E310, E020 How to Cite:Kunaedi, A., & Darwanto. (2020). Central Bank Independence and Inflation: The Matters of Financial Development and Institutional Quality. Signifikan: Jurnal Ilmu Ekonomi, Vol. 9(1), 1-14. doi: http://dx.doi.org/10.15408/sjie.v9i1.12899.
Transaction Cost on The Implementation of E-Invoices in Micro and Small Enterprises Clara Palupi; Darwanto Darwanto
Signifikan: Jurnal Ilmu Ekonomi Vol 6, No 1 (2017)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (373.397 KB) | DOI: 10.15408/sjie.v6i1.4866

Abstract

E-invoice is one of the tax administration modernization program created to reduce the tax compliance costs in order to improve the tax compliance. This paper aims to prove that e-invoice as a form of institutional change can actually change or lower the tax compliance costs. Using a qualitative approach case study method and supported by evidence of calculation of the cost of compliance. The results showed that e-invoice cannot directly reduce the tax compliance costs, because e-invoice is a new program and the taxpayers bear big the amount of time cost for the process of adjustment (adapt). Tax compliance costs will increase temporarily during the adaptation process; the total compliance cost in the six months after the e-invoice increased 3.4 percent from the six months before. Then, the results of tax compliance costs estimated at one year after the e-invoice applied showed that the compliance costs decrease 31 percent from the cost of compliance without e-invoice.DOI: 10.15408/sjie.v6i1.4866
Designing Model and Strategy for Strenghthening The Competitiveness of Small Medium Enterprises D. Darwanto; Purbayu Budi Santosa; Nenik Woyanti; B. Bambang
ETIKONOMI Vol 17, No 1 (2018)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (454.312 KB) | DOI: 10.15408/etk.v17i1.6826

Abstract

Strengthening the competitiveness of SMEs in Indonesia was essential by the era of global competition in line with the implementation of the ASEAN economic community in 2015. The purpose of this research is designing a model and strategy of strengthening the international competitiveness of SMEs through LEDI - 9F approach. This research is using content analysis and Analytic Networking Process. This research found that the model of strengthening the international competitiveness of SMEs could be done through a model of partnership between the various stakeholders both at district, provincial and state levels. The most priority aspect to strengthen SME's competitiveness is business context with the most priority strategy that is the strategy of management and business. Based on the results of the analysis, the government can use as a reference for the government to strengthen SME's competitiveness through anticipate problems and optimize the solutions that arise in enhancing SME's competitiveness.DOI: 10.15408/etk.v17i1.6826
Transaction cost of micro and small enterprises financing Ghana Atma Sulistya; Darwanto Darwanto
Economic Journal of Emerging Markets Volume 8 Issue 2, 2016
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol8.iss2.art9

Abstract

High transaction costs become one of the obstacles for the micro and small enterprises (MSEs) to access financial loans to the bank. In order to minimize the transaction costs, group lending scheme become  alternative, so that both sides are pay lower transaction costs, and MSEs are able to improve their welfare. This study aims to analyze the credit process and transaction costs incurred on the model of individuals and groups lending and to compare the magnitude of transaction costs on both models. Mixed Method Analysis is used to analyze the component of transaction costs and the magnitude of the transaction cost on both models.These results indicate there are differences in transaction costs incurred on both schemes. In the amount of the transaction costs, the overall group scheme still allows for greater compared to individual schemes and dominated by the cost of the disbursement. Even so, the transaction cost per member group is much smaller than the individual schemes.
TINJAUAN PENERAPAN PPN ATAS PEMBIAYAAN MURABAHAH PADA KSPPS BONDHO BEN TUMOTO SEMARANG Vera Dwi Yunia; Darwanto Darwanto
Jurnal REKOMEN (Riset Ekonomi Manajemen) Vol 2, No 1 (2018)
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rn.v2i1.965

Abstract

Keberadaan koperasi syariah pada saat ini menjadi salah satu pilihan yang sangat diminati karena prosedur ataupun mekanisme sangat mudah untuk dilaksanakan oleh masyarakat umum. Koperasi syariah memiliki kontribusi yang sangat besar salah satunya dalam pajak khususnya penerapan Pajak Pertambahan Nilai (PPN).Tujuan penelitian adalah analisis pembiayaan Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) khususnya pembiayaan murabahah di KSPPS Bondho Ben Tumoto Semarang dan penerapan pajak PPN dalam pembiayaan murabahah berdasarkan Undang-Undang Nomor 42 Tahun 2009. Metode penelitian menggunakan metode deskriptif dan kuantitatif sampling komparatif. Data penelitian diperoleh dari laporan normatif dan laporan laba rugi KSPPS Bondho Ben Tumoto. Hasil penelitian menunjukkan bahwa pembiayaan murabahah KSPPS Bondho Ben Tumoto dilakukan sesuai dengan prinsip pembiayaan 5C (character, condition, capacity, capital, dan collateral) dan penerapan pajak PPN pada pembiayaan murabahah sudah tidak diterapkan lagi sesuai dengan adanya penghapusan pajak PPN pembiayaan murabahah dalam UU No. 42 Tahun 2009.
Pengembangan Produksi Usaha Mikro, Kecil dan Menengah (UMKM) Sektor Pertanian Berbasis Potensi Lokal Darwanto Darwanto; Susilo Toto Raharjo; Achma Hendra
Jurnal REKOMEN (Riset Ekonomi Manajemen) Vol 1, No 2 (2018)
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rn.v1i2.710

Abstract

Usaha Mikro, Kecil, dan Menengah UMKM merupakan salah satu sektor unggulan yang memberikan kontribusi terhadap perkembangan perekonomian nasional. UMKM bergerak di berbagai sektor ekonomi salah satunya adalah sektor pertanian. Penelitian bertujuan untuk pengembangan UMKM sektor pertanian Provinsi Jawa Tengah khususnya subsektor tanaman pangan melalui pemetaan potensi produksi tanaman pangan kabupaten/kota Provinsi Jawa Tengah dan kelembagaan UMKM sektor pertanian. Metode penelitian menggunakan metode deskriptif. Data analisis data menggunakan metode location quotient (LQ). Data penelitian adalah data sekunder subsektor tanaman pangan tahun 2011 hingga tahun 2016. Data diperoleh dari dokumentasi Badan Pusat Statistik Provinsi Jawa Tengah dan Kementerian Pertanian. Pemetaan potensi komoditas tanaman pangan menjadi basis di kabupaten/kota Provinsi Jawa Tengah merupakan dasar pembentukan pola kelembagaan distribusi produk/bahan baku komoditas pangan bagi UMKM sektor pertanian khususnya subsektor tanaman pangan yang berlokasi di Provinsi Jawa Tengah. 
MEKANISME PENERAPAN PERHITUNGAN, PEMOTONGAN, PEMBAYARAN DAN PELAPORAN PPH FINAL PASAL 4 AYAT 2 ATAS BAGI HASIL TABUNGAN DAN DEPOSITO PADA KOPERASI SYARIAH ABC CABANG SEMARANG Nastya Chila Zarabiyu; Darwanto Darwanto
Assets: Jurnal Ekonomi, Manajemen, dan Akuntansi Vol 8 No 1 (2018): Assets : Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/.v8i1.5026

Abstract

Koperasi Simpan Pinjam Syariah adalah salah satu lembaga keuangan non bank dengan berlandaskan prinsip – prinsip syariah. Tujuan koperasi simpan pinjam syariah ini sama halnya seperti lembaga keuangan lainnya, yaitu memberikan kesejahteraan ekonomi dengan berupa pelayanan simpan pinjam bagi masyarakat dengan sistem pembagian hasil seraca adil. Bagi hasil dari koperasi simpan pinjam tersebut merupakan salah satu objek dari PPh Final. Pajak penghasilan (PPh) adalah salah satu pendapatan pemerintah terbesar. Penelitian ini bertujuan untuk mengetahui bagaimana perhitungan, pemotongan dan penerapan pajak bagi hasil atas bunga deposito dan tabungan nasabah pada Koperasi Syariah ABC Semarang. Metode penelitian ini menggunakan metode kuantitatif sampling komparatif dan deskriptif. Data yang diperoleh berupa data studi lapangan dan teori. Studi penelitian menjelaskan bahwa Koperasi Syariah ABC telah menerapkan perhitungan pemotongan dan pelaporan PPh Final Pasal 4 ayat 2 UU No. 36 tahun 2008 atas bunga bagi hasil deposito dan tabungan dengan benar, baik dari segi administrasi dan prosedurnya.
The Effect Of Corporate Governance On The Performance Of Sharia Maqashid At BPRS In Central Java Period 2016-2020 Rosiana Nurfadjri Roswan; Darwanto Darwanto
Iqtishodia: Jurnal Ekonomi Syariah Vol. 6 No. 2 (2021): September
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v6i1.611

Abstract

Sharia rural bank (BPRS) is a sharia banking that is focused on helping to increase the productivity of micro, small and medium business (UMKM) to aim economic equality, these activities create relationships that exist between banks and stakeholders. This relationship is at risk of agency problems that arise due to differences in interests, so to minimize the occurrence of conflicts of interest, it needs corporate governance to protect the interests of stakeholders and ensure that there are no irregularities in bank operations. This study aims to determine the level of BPRS’s performance in Central Java in achieving maqashid sharia during the 2016-2020 period and to determine the effect of corporate governance on performance maqashid sharia. There are three methods that be used in this study, there are maqashid performance evaluation model (MPEM) used to determine achievement maqashid sharia on the performance of BPRS, the SAW method to determine the order of achievement of maqashid sharia, and panel data regression analysis with the estimation random effect model (REM) used to determine the effect of corporate governance on the performance of maqashid sharia. The results showed that BPRS Artha Leksana (ARL) is a BPRS that gets the first order whose operations are in accordance with maqashid sharia for the 2016-2020 period, while the variables, corporate governance mention that the size of the DPS and the reputation of the DPS have a negative effect, the educational qualifications of the DPS have a positive effect, cross-membership of the DPS, the size of the board of directors and the size of the Independent commissioners have no effect on the performance of maqashid sharia.
Minat Beli Masyarakat Non Muslim terhadap Produk Makanan Halal Crysanti Ishardini; Darwanto Darwanto; Faisal Salistia; Dedi Junaedi
Reslaj : Religion Education Social Laa Roiba Journal Vol 3 No 3 (2021): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (405.8 KB) | DOI: 10.47467/reslaj.v3i3.402

Abstract

The halal industry has experienced very rapid growth in recent years, including the halal food industry. Halal food is not only for Muslims but also for non-Muslims. Along with the development of the halal industry and the increasing number of non-Muslim residents, non-Muslim communities can become opportunities in the development of the halal food industry. This study was conducted to determine the effect of halal awareness, halal certification, promotion, price, and food safety on non-Muslim community buying interest in Semarang City on halal food products. The population in this study were non-Muslim communities in Semarang City who had bought halal food products and the number of samples used was 100 respondents. Sampling was determined by the purposive sampling technique. Data was collected by distributing questionnaires. The data obtained were then analyzed using multiple linear regression analysis. The results showed that halal awareness, halal certification, promotion, price, and food safety had a positive and significant effect on buying interest.
Co-Authors Aan Zainul Anwar Abdul Hoyyi Achma Hendra Adityawarman Adityawarman Afif, Syafik Wildan Agam Maulana Ardi Agung Kunaedi Agza, Yunita Agza, Yunita Alfu Laila Fiafifah Ana Liana Wahyuningrum Anggraini, Selvi Rahma Annisa Maulidia Alfian Annisa Ramadhani Aos Aos Apriza, Berta Ardani, Mochammad Arifin Fafan K Kusuma Aulisa Lintang Usmandani B. Bambang Bayu Septiawan, Andika Berta Dinata, Karsoni Budi Raharjo Cahayati, Sakina Clara Palupi Crysanti Ishardini Dani Setiawan Dedi Junaedi Devita, Maela Rahma Devy Leony Olyvia Dewi, Isma Dina Melati Wangi Edi Susilo Edi Wibowo Kushartono Edy Yusuf Agung Gunanto Edy Yusuf Agunggunanto Erika Amelia Fadhilah, Ani Faisal Salistia Fatchur Rohman Fatin Hamamah, Fatin Fhela Vhantoria Ningrum Fiqi, Muhammad Dzakir Fitrie Arianti Gading Nugroho Galang Hendry Syahriar Galih Mukti Annas Wibisono, Galih Mukti Gentur Handoyo Ghalib Agfa Polnaya Ghana Atma Sulistya Hantoro Ksaid Notolegowo Harahap, Muhammad Budi Buchari Hari Susanta Nugraha Hasbi Yasin Heri Prabowo Hermanto Hermanto Julianto, Eka Widayat Junaidah, Yurida Junaidi Junaidi Karimah, Nida Kustopo Budiraharjo Lutfi Rokhiyatul Mu'asiroh Margaretha Astri Viona Maulida, Rahma Hanii Mawadah, Zahrotul Meilasari, Venty Mochammad Ardani Muhammad Aladdin Hanif Muhammad Budi Buchari Harahap Muhammad Dzakir Fiqi Muhammad Irwin Muslimin Muhammad Zacky Dzulfikar Muinah, Muinah Munif, Ahmat Saeful Mus, Abdul Rahman Nabila Zahra Nastya Chila Zarabiyu Naufal Haidar Farras Nenik Woyanti NOERDIANTI, IRMA Novrita Dewi Yanti Nur Azkia, Annisa Nur Sindy Oktavia Nur, Andi Nirwana Pradita, Geraldi Fikri Putra Priyo Sasmoko Purbayu Budi Santosa Puspita, Mira Rahma, Maulida Fauzia Rahmat Fitriansyah Rais, Muhammad Rifai Rama Devara, Hafiz Redita Apriliana Ro'fah Setyowati rohadin, rohadin Rosiana Nurfadjri Roswan Rozaq, Galilh Abdul Sari, Affrylia Setiadi, Rukuh Setyowati, Ro'fah Sugeng Prianto Supriyadi, Fortuna Tunggadewi Susilo Toto Raharjo Syafik Wildan Afif Syifaaussakinah, Syifaaussakinah Utomo, Muh Fadli Wahyu Vera Dwi Yunia Wahyuningrum, Ana Liana Widya Arga Putri Yulianto, Mohammad Dedi Yumasepta Rizky Hapsari Yusup, Mohammad Zahra, Anabila Zahra, Nabila Zakiyudin, Muhammad Ali