Atina Shofawati, Atina
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga

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PENGARUH FAKTOR PELAYANAN, PRODUK, DAN PENDIDIKAN TERHADAP MINAT NASABAH DALAM MENGGUNAKAN BANK SYARIAH DI INDONESIA Haris, Muhammad; Shofawati, Atina
JURNAL EKONOMIKA Volume 15, Nomor 02, Juni 2024
Publisher : Universitas Borneo Tarakan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35334/jek.v15i02.4005

Abstract

Penelitian ini bertujuan untuk menjelaskan pengaruh faktor pelayanan, produk, dan pendidikan terhadap minat nasabah dalam menggunakan bank syariah di Indonesia. Data yang digunakan pada penelitian ini adalah data primer yang didapat dari kuesioner secara online dengan teknik purposive sampling. Kriteria yang digunakan untuk memenuhi penelitian ini adalah nasabah bank syariah di Indonesia dan menggunakan produk tabungan wadiah. Dari kuesioner dan kriteria tersebut didapati sebanyak 102 responden yang memenuhi syarat yang kemudian akan dilakukan olah data menggunakan teknik analisis regresi linear berganda dengan alat statistik IBM SPSS. Hasil penelitian menunjukkan secara parsial variabel pelayanan tidak memiliki pengaruh signifikan terhadap minat nasabah sedangkan variabel produk dan pendidikan memiliki pengaruh signifikan terhadap minat nasabah. Secara simultan variabel pelayanan, produk, dan pendidikan memiliki pengaruh signifikan terhadap minat nasabah. Kata Kunci: faktor, minat nasabah, bank syariah, regresi linear berganda.
The Impact of Intellectual Capital and Islamicity Performance Index on the Financial Performance of Islamic Commercial Banks in Indonesia Kusuma, Ulfiana Nanda Arni; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 11 No. 3 (2024): Agustus-2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol11iss20243pp268-271

Abstract

This study aims to determine the effect of Intellectual Capital and Islamicity Performance Index on Financial Performance proxied by ROA at Islamic Commercial Banks in Indonesia. The research period used is 2016-2022. This research uses a quantitative approach. The population in this study includes Islamic Commercial Banks registered with the Financial Services Authority (OJK) during the 2016-2022 period. The method in this study uses panel data regression analysis techniques with the Random Effect Model (REM) which is chosen as the best model, where the number of observations used is 7 Islamic Commercial Banks selected by purposive sampling method. The results of this study indicate that the variables of Intellectual Capital and Equitable Distribution Ratio partially have a significant effect on Financial Performance. While the variables of Profit Sharing Ratio, Zakat Performing Ratio, and Islamic Income vs Non-Islamic Income have no effect on Financial Performance. All independent variables used in this study simultaneously have a significant effect on Financial Performance.
Determinants of Students’ Green Waqf Intentions Taufik, Nisrina Amani; Shofawati, Atina
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 3 (2025): Agustus-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20253pp326-338

Abstract

Green Waqf is the use of waqf assets to support environmental sustainability and provide social and economic benefits. Its success depends on the intention of the community, including students who have high concern for environmental issues. This research analyzes the factors that influence the intentions of Islamic Economics students at Airlangga University to give green waqf, with the variables Attitude, Subjective Norms and Perceived Behavioral Control. Attitudes are influenced by Knowledge and Religiosity. This research uses a quantitative approach with PLS-SEM analysis. Data was obtained from questionnaires distributed to 145 respondents, with a final sample of 127 students. The research results show that Knowledge and Religiosity have a significant positive effect on Attitude. Subjective Norms and Perceived Behavioral Control also have a significant positive effect on Green Waqf Intentions, while Attitude has no significant effect. Therefore, strategies are needed to increase students' intention to engage in green waqf, such as education through social media by involving figures or influencers, as well as encouraging student participation in green waqf activities.
The Role of Indonesian Service Companies in Implementing Halal Cargo Policy: A Literature Review Qorony, Ahmad Waisul; Shofawati, Atina
Riwayat: Educational Journal of History and Humanities Vol 8, No 2 (2025): April
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i2.45584

Abstract

The global halal industry continues to grow rapidly, with halal logistics playing a critical role in maintaining the halal status of products throughout the distribution process. The halal cargo policy aims to ensure that halal products remain guaranteed throughout the supply chain, including during transportation and storage. In Indonesia, regulations related to the halal cargo policy are outlined in Article 22 of Government Regulation Number 39 of 2021, which regulates halal logistics. However, the implementation of this policy faces several challenges. One of the main challenges is the lack of understanding among service companies regarding the importance of halal certification and how to incorporate it into their logistics systems. In addition, the high costs associated with halal certification and the variation in standards across companies pose significant barriers to policy implementation. This study uses a literature review method to explore the role of service companies in implementing the halal cargo policy in Indonesia. The findings suggest that for successful implementation, there is a need to raise awareness among service companies about the importance of maintaining the halal status of products during distribution. In addition, the development of infrastructure that supports halal logistics, along with the adoption of new technologies such as blockchain and the Internet of Things (IoT), can improve efficiency, transparency, and accountability in managing halal cargo. This study recommends increasing synergy between the government and the service sector to strengthen the implementation of halal cargo policies, which ultimately increases consumer confidence in halal products in the global market.
Islamic Stock Market Reaction To The Russia-Ukrainian War Faadilah, Farah; Shofawati, Atina
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11310

Abstract

This study aims to analyze stock market reaction events preceding and following the proclamation of the Russian invasion of Russia for companies listed on the Indonesia Stock Exchange and indexed by the Jakarta Islamic index. This investigation employs a quantitative approach with an event study methodology. The sample consists of thirty shares of companies listed on the Jakarta Islamic Index. The research sample was selected using the technique of purposive sampling. The research data were analyzed utilizing the paired sample t-test method. The findings of this study indicate that the anomalous return variable affects Jakarta Islamic Index stock prices differently before and after the announcement of the Russian invasion of Ukraine. Before and after the proclamation of the Russian invasion of Ukraine, there is a difference in the trading volume of stocks included in the Jakarta Islamic Index. Investors need to reallocate their assets strategically by developing a hedging strategy to avoid the risk of global uncertainty induced by unpredictability. Investors must invest long-term in anticipating speculators on the capital market, who can cause aberrant returns and abnormal stock trading volatility. To stabilize the stock market, regulators should consider the adverse effects of the financialization/globalization of the stock market in terms of war/conflict. Speculators prey on the uncertainty of global events, which leads to tyranny and abnormal rates of abnormal returns.
FACTORS INFLUENCING MURABAHAH MARGIN LEVELS IN THE ISLAMIC BANKING INDUSTRY, 2012–2017 Ekawati, Khiaroh; Shofawati, Atina
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 5 No. 1 (2019): JANUARY-JUNE 2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (890.084 KB) | DOI: 10.20473/jebis.v5i1.10901

Abstract

This study aims to determine the effect of Financing to Deposit Ratio, profit sharing of third party funds, overhead cost, and BI rate on Murabahah margin rate in Islamic Bank Industries in Indonesia period 2012-2017. This research use multiple linear regression analysis. There are four independent variable in this research namely Financing to Deposit Ratio, Profit Sharing Of Third Party Funds, Overhead Cost, and BI Rate. The sample in this study used a saturated sample, while data were taken from Islamic Bank Statistic issued by OJK, while BI rate taken from www.bi.go.id. The result show that Financing to Deposit Ratio and profit sharing of thirty party funds has positive and significant effect on the Murabahah margin rate. While overhead cost and BI rate has no effect on the Murabahah margin rate. All the independent variables in this research are simultaneously has significant effect on the Murabahah margin rate.Keywords: Financing to Deposit Ratio (FDR), profit sharing of third party funds, overhead cost, BI rate, Murabahah margin rate.
Corporate Social Responsibility and Islamic Microfinance Integration for Productive Waqf in Indonesia: A Conceptual Study Hadi, Nizar Hosfaikoni; Herianingrum, Sri; Prasetyo, Ari; Shofawati, Atina; Ghamri, Mohammad
ZISWAF Vol 12, No 1 (2025): ZISWAF: Jurnal Zakat dan Wakaf
Publisher : UIN Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/ziswaf.v12i1.27397

Abstract

This research attempt proposes an integration model business process modeling notation for CSR related to waqf and Islamic microfinance from a review of existing research in Indonesia. Literature about problem access to financing from CSR and institutions finance micro-Islam through waqf studied in a way critical and usable to propose an alternative model. The business process model and notation describe the proposed waqf model papers. This model has developed from CSR as a source of financing for asset-waqf productive literature. This model is expected to provide service finance through CSR and engaging participatory contracts between companies and institutions in finance micro-Islam. Besides that, by the proposed model, there is no conditional collateral, tribe interest, or terms as strict as usual enforced by the institution to finance existing conventional. Findings from the paper This will provide alternative sources of financing for waqf that are productive for starting or empowering asset waqf with funds from CSR and institutions that finance micro-Islam. This study also has implications for government and manufacturer policies. The involvement of companies and institutions that finance micro-proposed Islam in this model, it helps the government reduce expenditures for empowerment asset waqf production.