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All Journal Seminar Nasional Aplikasi Teknologi Informasi (SNATI) Jurnal Ilmiah Mahasiswa FEB Jurnal Akuntansi Multiparadigma TEMA (Jurnal Tera Ilmu Akuntansi) Reviu Akuntansi, Keuangan, dan Sistem Informasi Telaah Ilmiah Akuntansi dan Perpajakan (TIARA) AT-TAKLIM: Jurnal Pendidikan Multidisiplin
Lutfi Harris
Universitas Brawijaya
Computer Science & IT Economics, Econometrics & Finance Education Other

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The Influence of Perceived Integrity, Perceived Competence and Experience on Consumer’s Trust in Online Shopping in the Tulusrejo District of Malang City Zahara, Radyta; Harris, Lutfi
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study examines the influence of perceived integrity, perceived competence and experience on consumer’s trust in online shopping in the Tulusrejo district of Malang city. The independent variables in this study are perceived integrity, perceived competence  and  experience. Consumer’s trust in online shopping is a dependent variable. The study to test the  hypotheses on First Order Construct (FOC) used Partial Least Square (PLS) with sample are 295 peoples. Finally, the results found that perceived integrity, perceived competence and experience has a positive effect towards consumer’s  trust  in online  shopping. Therefore, confidence  (trust) of consumers to shop online will determine the consumer's decision to engage transaction or not. Lack of trust to shop online will reduce the willingness of consumers to do online transaction. Keywords:  Perceived Integrity, Perceived Competence, Experience, Consumer’s  Trust  in Online Shopping
DETERMINAN MINAT INDIVIDU MENGGUNAKAN AKAD MURABAHAH DI BMT Nugraha, Galuh Rizqi; Harris, Lutfi
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Tujuan penelitian ini adalah untuk menguji determinan minat individu dan pengaruhnya terhadap perilaku penggunaan akad murabahah di BMT. Penelitian ini merupakan replikasi dan pengembangan model Theory of Reasoned Action (TRA) yang menguji hubungan antara sikap, norma subyektif, minat dan perilaku aktual. Penelitian ini menguji hubungan antara sikap dengan minat, norma subyektif dengan minat penggunaan akad murabahah di BMT. Penelitian ini menggunakan metode survey dalam pengambilan data. Sampel studi ini adalah nasabah yang menggunakan akad murabahah di BMT se-Malang Raya. Sebanyak 56 data dapat diolah dengan menggunakan aplikasi smartPLS. Hasil penelitian ini menunjukkan bahwa sikap berpengaruh positif terhadap minat penggunaan penggunaan akad murabahah di BMT. Norma subyektif memiliki pengaruh positif yang signifikan terhadap minat penggunaan akad murabahah di BMT. Hasil penelitian ini diharapkan dapat menjadi bahan referensi untuk praktisi keuangan syariah, termasuk di dalamnya manajemen Lembaga Keuangan Syariah khususnya BMT, untuk merumuskan sebuah kebijakan terkait penggunaan akad murabahah. Kata kunci:      Theory of Reasoned Action (TRA), sikap, norma subyektif, minat penggunaan akad murabahah nasabah BMT.
PELAKSANAAN PENGAWASAN DAN MONITORING PEMBIAYAAN GUNA MEMINIMALISIR RISIKO DALAM PEMBIAYAAN MURABAHAH PADA PT. BNI SYARIAH TBK. CABANG MALANG NURYAWAN, AHMAD DWI; Harris, Lutfi
Jurnal Ilmiah Mahasiswa FEB Vol. 4 No. 1
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The purpose of this study was to determine the system of supervision and monitoring  on  the  BNI  Syariah  Malang  to  anticipate  the  risk  of  murabahah financing  repayment  problems.  This  study  uses  a  case  study  approach  is  one strategy in a qualitative study. The data were collected by using interviews, interviews, and documentation then analyzed with descriptive methods. To keep the financing provided to customers can be run in accordance with the agreement, the banks need to conduct surveillance and monitoring of such financing. Surveillance and monitoring carried out in order to avoid the possibility of undesirable both for the continuity of financing and the possible risks arising from the provision of such financing. The results of this research is the implementation of the supervision and monitoring of the financing is done BNI Syariah Malang against murabahah financing through two ways, namely by direct supervision and administrative oversight. Comparison of the amount of murabahah financing is channeled to financing problems in BNI Syariah Malang at the level of   Non Performing Financing is still below 5% are included in the category of healthy financing. BNI Syariah Malang should still anticipate and improve the supervision and monitoring of murabahah financing which has been distributed to minimize the financing problems that exist.   Keywords: Control, Monitoring, Murabahah Troubled
Co-Authors AHMAD DWI NURYAWAN AHMAD DWI NURYAWAN, AHMAD DWI Ali Djamhuri Bangun Kinarwanto Boynard, Putra Cindhe Puspita Larasati Didied Poernawan Affandy Dini Kurnia Antika Endang Mardiyati Endang Mardiyati Fauzia, Meylina Winda Fitri Annisa Galang Anggoro Hanif Galuh Rizqi Nugraha Gandis Ayuningtiyas Gandis Ayuningtiyas Ike Sulistyawati Jauhar Hendri Wibisono Meylina Winda Fauzia Mohamad Faiz Niken Wahyu Wilujeng Niken Wahyu Wilujeng Niken Wahyu Wilujeng Nugraha, Galuh Rizqi Nurvita Anggraeni Radyta Zahara Rizka Maulidhia Enanto Sakharosa Citra Dewi Fortuna Taufik R., Fikha Zahirah Yulmansyah Rizky Rahman Zahara, Radyta