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Determinan Niat Untuk Menggunakan Uang Elektronik Syariah : Integrasi TAM dengan Persepsi Religiusitas Diana Nabilatul Arifah; Sulistya Rusgianto
Al-Buhuts Vol. 19 No. 1 (2023): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i1.3574

Abstract

The benefits of a transaction can be seen from how the payment system runs efficiently by using the minimum possible cost. the use of e-money is growing very rapidly in Indonesia, but the use of Islamic electronic money is still low. research that can identify factors that have the possibility to influence consumer intention to use electronic money or sharia e-money so as to increase its use in Indonesia. In this study, researchers want to integrate the Tecnology Acceptence model or commonly called TAM which is considered a simple model but has a strong role in predicting and explaining behavioral acceptance intentions with perceived religiosity. this study also considers knowledge of Riba (KR) as a moderating variable that can weaken and streng then the intention to use Islamic e-money which has not been considered by many other studies. The method used quantitative method with 172 samples with data analysis techniques using structural equation modelling (SEM). This study found that the integration of the TAM model and perceived religiosity (PR) can explain the intention to use Sharia electronic money (INT) by 60%. SN, PEU, PR have a significant effect on INT, while PU has no significant effect on INT. KR can also moderate the relationship between SN and INT
RISK OF RETURN CHARACTERISTICS OF ISLAMIC BANK FINANCING PORTFOLIO IN INDONESIA Zamzam Habibi; Sulistya Rusgianto
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 7 No. 1 (2021): JANUARY-JUNE 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i1.24571

Abstract

The study aims to investigate the risk of return characteristics of Islamic bank financing portfolios. A quantitative approach of value at risk is used to estimate return volatility of Islamic commercial banks and Islamic business units in Indonesia for the period of May 2014 to June 2020. The finding suggests proportion of equity-based financing tends to increase in contrast to decreasing of debt and lease-based financing. While rate of return for all financing types tends to decline, the return of equity-based financing experiences higher volatility than other two financing types. The main finding regarding the decrease in value at risk indicates Islamic banks able to reduce risk of financing portfolio. The finding implies Islamic banks should continue to improve the best-practice of risk management based on their past experience to anticipate future risk. As for the regulators, the finding may be used to develop early warning system to anticipate a systemic failure in Islamic banking industry. Further research is recommended to explore impact of market behavior on the risk of each type of financing.
Antecedents of Behavioral Intention to Adopt Sharia Digital Services in ZISWAF Distribution Hariyanto Hariyanto; Ririn Tri Ratnasari; Sulistya Rusgianto; Anwar Allah Pitchay
ETIKONOMI Vol 23, No 1 (2024)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v23i1.33892

Abstract

Research Originality: Indonesia, the fourth-most populous country after India, China, and the USA, has the largest Muslim population in the world, with a population of 231 million Muslims, or almost 13% worldwide. The number of millennial Muslim generations is around 59.415 million, or 85 percent of the total number of millennials, making it a potential market. This paper contributes to the existing behavioral intention literature by focusing on the integration of Acceptance and Use of Technology 2 (UTAUT2), Diffusion of Innovation (DOI) theory, and Perceived Security (PS) theory towards sharia digital services.Research Objectives: This research examines the antecedents of behavioral intention to adopt sharia digital services in ZISWAF distribution among the millennial Muslim generation in Indonesia.Research Methods: This study used a quantitative approach with the Structural Equation Modeling (SEM) analysis method and involved 350 respondents in Indonesia. By adopting the theories of Theory of Acceptance and Use of Technology 2 (UTAUT2), Diffusion of Innovation (DOI) theory, and Perceived Security (PS).Empirical Results: The study results show that performance expectancy, habit, price value, and compatibility have a positive and significant effect on behavioral intention to adopt sharia digital services in ZISWAF distribution. Furthermore, the price value variable is the strongest predictor of behavioral intention to adopt sharia digital services in ZISWAF distribution.Implications: This research has important meaning for the Indonesian government, ZISWAF institutions, and application providers because it provides valuable insight into considering accelerating ZISWAF distribution among the millennial Muslim generation.JEL Classification: Z12, L31How to Cite:Hariyanto., Ratnasari, R. T., Rusgianto, S., & Pitchay, A. A. (2024). Antecedents of Behavioral Intention to Adopt Sharia Digital Services in ZISWAF Distribution. Etikonomi, 23(1), 109 – 128. https://doi.org/10.15408/etk.v23i1.33892.
Analisis Pengaruh Pengeluaran Pemerintah terhadap Kualitas Sumber Daya Insani Perspektif Maqasyid Syariah: Bukti Empiris di Negara-Negara Berkembang OKI sukran sukran; sulistya rusgianto; fasiha fasiha
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.v9i3.10574

Abstract

The purpose of this study is to examine the impact of government expenditure on education and health on enhancing the quality of human resources in developing nations that are members of the OIC under maqasyid sharia. This study employs panel data and spans eight emerging nations (upper middle-income countries) from 2011 to 2020. The panel data model employed is the random effect model. The findings reveal that the variable of government spending on education has no effect on the growth of human resource quality. Government health investment has a considerable beneficial impact on the development of human resources in OIC emerging nations. When examined concurrently, government investment in education and health has a considerable beneficial effect on human capital development. Thus, long-term and coordinated investment in these two areas can bring significant rewards in terms of boosting human capital quality. According to maqasyid sharia, government expenditure in these two areas can assist individuals in achieving goals such as defending religion, soul, mind, children, and property in order to attain Falah
Impact of Foreign Direct Investment, Productivity, and Growth on Indonesian Youth Unemployment Annisa Rahma Febriyanti; Sulistya Rusgianto; Sri Herianingrum; Dian Ghani Reza Dasangga
Jurnal Ekonomi Pembangunan Vol. 22 No. 01 (2024): Jurnal Ekonomi Pembangunan
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jep.v22i01.33037

Abstract

Unemployment is a consistent economic challenge faced by all countries. Indonesia, as a developing country, grapples with unemployment issues predominantly affecting young individuals. This research aims to examine the impact of Foreign Direct Investment (FDI), economic growth, and labor productivity on youth unemployment in Indonesia. Annual time series data from 1991 to 2022 were analyzed using Autoregressive Distributed Lag (ARDL) technique. The study reveals a significant negative relationship between economic growth and labor productivity with youth unemployment in the long term. Meanwhile, in the short term, FDI and labor productivity have a significant positive impact on youth unemployment. It is hoped that the Indonesia government will prioritize the creation of job opportunities for young domestic workers and provide training to enhance the quality of youth workforce in Indonesia
A Cross-Country Analysis of Islamic Bank’s Performance in Malaysia and Indonesia Moh. Nurul Qomar; Sulistya Rusgianto; Ibnu Muttaqin; Athi’ Hidayati
Falah: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2024): FEBRUARY
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v9i1.31489

Abstract

This study aims to examine the financial performance of Islamic banks in Indonesia and Malaysia, with a specific focus on optimizing shareholder value. The assessment includes efficiency, market share, interest rates, inflation and economic growth as crucial criteria in comprehending the success of Islamic banks in each country. The secondary data is derived from the annual reports of 25 Islamic banks in Indonesia and Malaysia, with a focus on characteristics pertaining to operational efficiency and market share. Furthermore, data is obtained from Bank Indonesia (BI) to gather statistics regarding inflation, interest rates, and GDP growth from the years 2018 to 2021. The study used panel data regression with a random effects model as the most accurate estimator. The results of the panel data regression analysis suggest that inflation has a favorable effect on return on equity (ROE), while GDP growth has a beneficial impact on return on assets (ROA). This research highlights the importance of enhancing inflation risk management and making strategic adaptations to the business plans of Islamic banks in Malaysia and Indonesia. This  research enhances the scholarly comprehension of the variables affecting the efficiency of Islamic banks in diverse economic conditions.
Factors Influencing Interest in Muslim Entrepreneurs as Financing Partners for Sharia P2P Lending Chrisananda, Riska Anin; Sjam, Dewi; Rusgianto, Sulistya
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 2 (2023)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2023.13(2).210-224

Abstract

This study aims to determine the factors that influence the interest of Muslim entrepreneurs in Sharia P2P lending. The determinant factor used is perceived ease of use, the subjective norm in Muslim circles, perceived usefulness, knowledge about riba, and review from the experience of financing partners. This study used a quantitative method tested by structural equation model (SEM) analysis techniques. Data were processed using SmartPLS 3.0 software. Data was obtained through an online questionnaire. Respondents who were used by UMKM, UKM, or startup business actor, Muslim, and had attended online classes and seminars on Sharia fintech. The number of respondents used was 90. The results show there were three predictors, perceived ease of use, the subjective norm in Muslim circles, and perceived usefulness that did not have a significant effect on behavioral intention, but two predictors of knowledge about riba and review from the experience of financing partners have a significant influence on behavioral intention
DECIPHERING THE DETERMINATION OF INDEX SHARIA FINANCIAL INCLUSION IN THE INDONESIAN LANDSCAPE Samsul Arifin; Sulistya Rusgianto; Aryadimas Suprayitno; Nia Mariatus Sholikah
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 11 No. 2 (2024): e-JEBA Volume 11 Number 2 Year 2024
Publisher : UPT Penerbitan Universitas Jember

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

Abstract

This research aims to provide an in-depth review of the literature on the Index Sharia Financial Inclusion (ISFI) and examine the determinants influencing it. The study employs a quantitative approach across 28 provinces in Indonesia. The ISFI value is calculated using a well-established formula referenced in prior studies. The methodology adopted is a widely recognized one, utilizing the EViews 10 software for analysis. The results indicate that two variables, GDP per Capita and the Human Development Index (HDI), have a significant positive impact on ISFI. Conversely, the Number of Poor Population and the Gini Ratio exhibit a significant negative effect. Additionally, Unemployment and Zakat Distribution in the economic sector do not show a significant impact. The findings of this research are intended to serve as a reference for evaluating and enhancing sharia financial inclusion in Indonesia.