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All Journal Jurnal Bestari Journal of Indonesian Tourism and Development Studies Jurnal Ilmiah Mahasiswa FEB Gadjah Mada International Journal of Business IQTISHADIA International Journal of Local Economic Governance Jurnal Ekonomi dan Studi Pembangunan (Journal of Economics and Development Studies) EKUITAS (Jurnal Ekonomi dan Keuangan) JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam
Arif Hoetoro
Faculty Of Economics And Business, Universitas Brawijaya
Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Public Health Social Sciences Other

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Obstacles and Solutions in Performing Islamic Financial Contracts Arif Hoetoro
IQTISHADIA Vol 11, No 1 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i1.3200

Abstract

There are some obstacles faced by Islamic microfinance institutions in performing Islamic financial contracts as purely demanded by Islamic law. In case of Bayt al-Maal wa al-Tamweel (BMT), the application of Islamic financial contracts needs a special approach and innovation. By taking BMT Sidogiri of East Java as the research site, this study qualitatively evaluated the practice of murabahah, mudlarabah, and musharakah contracts conducted by such an insti-tution. In examining these obstacles, this study had conducted several in-depth interviews with the branch manajer of BMT Sidogiri of Malang City. The findings revealed that the obstacles in performing Islamic financial contracts are dominated by lack of knowledge, asymmetric information, limited cooperation among related institutions, opportunistic behavior, and lack of social capital. To overcome these obstacles, it is recommended that the practices of Islamic financial transactions were not only in line with shari’ah-compliant but also with shari’ah-based schemes.
Willingness To Pay Rumah Tangga Dalam Membayar Biaya Pendidikan Menengah Unggulan di Kota Malang M. Irfan Rosyadi; Sasongko Sasongko; Arif Hoetoro
Jurnal Ekonomi dan Studi Pembangunan Vol 8, No 2 (2016)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (821.821 KB) | DOI: 10.17977/um002v8i22016p154

Abstract

Importance of education to economic development and an understanding of households determine the educational services, these makes excellent secondary educational institutions in Malang greatly demanded, but the willingness to pay the cost of education questionable. This study used primary data from a questionnaire completed by 150 respondents, and then analyzed by multiple regression method to measure the value of willingness to pay as well as the dependent variables that influence. The study showed that an average household less willing to pay the cost of excellent secondary education. Income, number of dependents, education and access had a significant effect.Keywords: Willingness to pay, household, excellent secondary educationJEL Classification: D10, I24
KREDIBILITAS BANK SENTRAL DAN PERSISTENSI INFLASI DI INDONESIA Rachman Hakim; Munawar Ismail; Arif Hoetoro
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 17 No 2 (2013)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (0.057 KB) | DOI: 10.24034/j25485024.y2013.v17.i2.157

Abstract

Hubungan kredibilitas bank sentral dan persistensi inflasi masih menjadi kontroversi, padahal kepastian hubungan ini sangat penting untuk merumuskan kebijakan anti inflasi yang tepat. Tujuan penelitian ini adalah untuk mengukur tingkat persistensi inflasi dan menguji dampak kredibilitas bank sentral terhadap persistensi inflasi di Indonesia sejak penerapan inflation targeting framework dengan menggunakan model New Keynesian Phillips Curve Hybrid. Hasil penelitian menunjukkan bahwa persistensi inflasi pada periode Full-Fledged Inflation Targeting (2006:1-2012:3) lebih rendah jika dibandingkan dengan periode Inflation Targeting Lite (2000:1-2005:4). Sementara itu, kredibilitas bank sentral berpengaruh secara signifikan terhadap persistensi inflasi pada saat Indonesia menerapkan Full-Fledged Inflation Targeting, sedangkan pada saat Indonesia masih menerapkan Inflation Targeting Lite, kredibilitas bank sentral tidak berpengaruh terhadap persistensi inflasi. Ini menunjukkan bahwa perilaku inflasi di Indonesia masih bersifat backward looking pada masa penerapan Inflation Targeting Lite dan berubah menjadi forward looking setelah mengadopsi Full-Fledged Inflation Targeting. Perubahan ini ada kaitannya dengan meningkatnya kredibilitas bank sentral pada periode Full-Fledged Inflation Targeting.
The Relationship between Love of Money, Islamic Religiosity and Life Satisfaction: a Muslim’s Perspective Arif - Hoetoro
IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i1.7333

Abstract

This research scrutinizes the relationship between Love of Money (LOM), hedonic behavior and Islamic religiosity in pursuing life satisfaction in consumption. By utilizing accidental sampling method, the research then employed 99 customers who spent their money in one of the biggest department stores in Malang City. The calculation of data with SmartPLS-3.1.8 revealed that Islamic religiosity significantly affects live satisfaction (β = 0.290; ρ-value = 0.003). In the same time, LOM significantly influences hedonic behavior (β = 0.417; ρ-value = 0.000). However, hedonic behavior does not mediate the relationship between LOM and life satisfaction. This study accordingly concludes that Islamic religiosity plays a main role in consumption. Therefore, it is suggested that every Muslim have to instill Islamic religiosity in daily activities for obtaining life satisfaction.      
Obstacles and Solutions in Performing Islamic Financial Contracts Arif Hoetoro
IQTISHADIA Vol 11, No 1 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i1.3200

Abstract

There are some obstacles faced by Islamic microfinance institutions in performing Islamic financial contracts as purely demanded by Islamic law. In case of Bayt al-Maal wa al-Tamweel (BMT), the application of Islamic financial contracts needs a special approach and innovation. By taking BMT Sidogiri of East Java as the research site, this study qualitatively evaluated the practice of murabahah, mudlarabah, and musharakah contracts conducted by such an insti-tution. In examining these obstacles, this study had conducted several in-depth interviews with the branch manajer of BMT Sidogiri of Malang City. The findings revealed that the obstacles in performing Islamic financial contracts are dominated by lack of knowledge, asymmetric information, limited cooperation among related institutions, opportunistic behavior, and lack of social capital. To overcome these obstacles, it is recommended that the practices of Islamic financial transactions were not only in line with shari’ah-compliant but also with shari’ah-based schemes.
The Effect of Merchant Characteristics and Religious Tour Visits as a Moderating Variable to Merchant Revenues (Study in Sunan Ampel Religious Tourism Area, Surabaya) Alfi Muflikhah Lestari; Multifiah Multifiah; Arif Hoetoro
Journal of Indonesian Tourism and Development Studies Vol. 6 No. 1 (2018)
Publisher : Program Pascasarjana

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

Abstract

This study aims to determine the influence of merchant characteristics based on age, education, capital, years in business and labor to the income of merchants and to know the effect of religious tourism as moderating variable that influences the Sunan Ampel religious tourism area of Surabaya. This research used simple random sampling technique with 70 merchants as respondent. Data were analyzed using moderation regression with interaction method. The results showed age, capital and labor have a significant effect on the merchant's income while the years in business and education have no significant effect on the merchant's income. The result of research on religious tourism visit as moderating variable shows religious tourism visit has a moderating effect on the relationship of age, capital and business time to the merchant's income. On the other hand, this variable has no moderating effect on the relation of labor and education to the merchant's income.Keywords: age, capital, education, labor, religious tourism, the income of merchants, years in business.
The Effect of Merchant Characteristics and Religious Tour Visits as a Moderating Variable to Merchant Revenues (Study in Sunan Ampel Religious Tourism Area, Surabaya) Alfi Muflikhah Lestari; Multifiah Multifiah; Arif Hoetoro
Journal of Indonesian Tourism and Development Studies Vol. 6 No. 1 (2018)
Publisher : Postgraduate School, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jitode.2018.006.01.04

Abstract

This study aims to determine the influence of merchant characteristics based on age, education, capital, years in business and labor to the income of merchants and to know the effect of religious tourism as moderating variable that influences the Sunan Ampel religious tourism area of Surabaya. This research used simple random sampling technique with 70 merchants as respondent. Data were analyzed using moderation regression with interaction method. The results showed age, capital and labor have a significant effect on the merchant's income while the years in business and education have no significant effect on the merchant's income. The result of research on religious tourism visit as moderating variable shows religious tourism visit has a moderating effect on the relationship of age, capital and business time to the merchant's income. On the other hand, this variable has no moderating effect on the relation of labor and education to the merchant's income.Keywords: age, capital, education, labor, religious tourism, the income of merchants, years in business.
The Effect of Inflationary Process of Government Revenue and Debt on Inflation in Indonesia: An Ardl Bounds Test Approach Kafabih, An'im; Maskie, Gozalie; Hoetoro, Arif
International Journal of Social and Local Economic Governance Vol. 7 No. 1 (2021)
Publisher : Institute of Research and Community Service, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.ijleg.2021.007.01.4

Abstract

The objective of this paper is to examine the cause of inflation based on fiscal policy perspective where government fiscal policy on government revenue and debt is such an inflationary process, meaning that if these two variables do not controlled properly, they will lead to higher level of inflation. Using annual data from 1972 to 2016 and ARDL bounds test approach to process these data, the result of co integration shows that government revenue and debt are simulaneously have long run relationship. This result is supported with the long run and short run relation for each independent variable individually. In the short run and long run, government revenue has positive impact on inflation with lower impact in the long-run compared to the short-run. Furthermore government debt also shows positive impact on inflation both in the long run and short run with the impact in the long run is higher rather that in the short run. As local governments depend heavily on national government on their fiscal resources, this study is also important to local government  because any decision of national government will affect to them.
Co-Authors Adetya Nur Candra Alfi Muflikhah Lestari Hannaf, Muhammad Said Hannaf, Muhammad Said Kafabih, An'im M. Irfan Rosyadi Maftuch Maftuch Maskie, Gozalie Moh. Awaludin Adam Multifiah . Munawar Ismail Rachman Hakim Sasongko Sasongko Sugiarto S