Articles
<![CDATA[Analisis Pengaruh Layanan Digital Perbankan Syariah terhadap Literasi Keuangan Syariah Generasi Milenial ]]>
<![CDATA[Yasin, Rozaq Muhammad]]>;
<![CDATA[Lailyah, Nurzahroh]]>;
<![CDATA[Edris, Mochamad]]>
<![CDATA[ Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Bengkulu ]]>
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DOI: 10.29300/ba.v6i1.4117
<![CDATA[Good financial literacy, especially in the digital era now is important to be understood by millennials. The digitization of Islamic which is able to provide more efficient, safer, faster financial products and the risk of losing money is less well understood by this generation. Islamic digital banking services like mobile banking and internet banking, which describe the virtual process to support all services, are expected to be able to significantly increase the level of Islamic banking literacy and have a positive impact on business growth in general. This study used a quantitative descriptive research design. The sampling method used purposive sampling method. Data was obtained by using questionnaire which was distributed to 100 millennial respondents who used m-banking or i-banking in Kudus. The answers to the questionnaire were measured using a rating scale, then data was analysed by multiple linear regression. The results showed that m-banking and i-banking had a significant and positive effect to the literacy of millennials about Islamic banks in Kudus. It was proven by a significance value of 0.000 (p <0.05). The R-square value is 0.775, which means the contribution of the influence provided by m-banking and i-banking services to millennials Islamic financial literacy in Kudus is 77.5%, while the remaining 22.5% is influenced by other variables.]]>
<![CDATA[ANALISIS PRAKTIK MINDRING MODERN ]]>
<![CDATA[Lailyah, Nurzahroh]]>;
<![CDATA[Yasin, Rozaq Muhammad]]>;
<![CDATA[Saputri, Pungky Lela]]>
<![CDATA[ An-Nisbah: Jurnal Ekonomi Syariah Vol 8 No 2 (2021): An-Nisbah ]]>
Publisher : <![CDATA[IAIN Tulungagung ]]>
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DOI: 10.21274/an.v8i2.4630
<![CDATA[This research aims to analyze the practice of Mindring Modern Jaya Mandiri in Kudus from the view of the National Sharia Council (DSN) fatwa of the Indonesian Ulema Council (MUI) No. 110/DSN-MUI/IX/2017 about sale and purchase contracts. This research is a qualitative research with a case study approach. The method used in this research is interview, observation, and documentation. The data validity technique used is triangulation, with analytical procedures including data reduction, data display, making conclusions and verification. The results of this study indicate that the practice of Mindring Modern Jaya Mandiri Kudus is not in accordance with the fatwa of DSN MUI No: 110/DSN-MUI/IX/2017. The use of the lease-purchase contract is not in accordance with the practice of mindring. The appropriate contract is bai’ al-taqsith.]]>
<![CDATA[FAKTOR YANG MEMENGARUHI KEPUASAN KONSUMEN JASA SALON MUSLIMAH DI MASA PANDEMI COVID-19 ]]>
<![CDATA[Nurzahroh Lailyah]]>;
<![CDATA[Rozaq Muhammad Yasin]]>;
<![CDATA[Rhealin Hening Karatri]]>;
<![CDATA[Dina Lusianti]]>
<![CDATA[ Kajian Bisnis Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Vol 30 No 1 (2022): JURNAL KAJIAN BISNIS ]]>
Publisher : <![CDATA[Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha ]]>
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DOI: 10.32477/jkb.v30i1.323
<![CDATA[The Covid-19 pandemic had decreased number of visitors to Nafisa Salon Muslimah in Semarang. Maintaining customer satisfaction is very important. This study aims to analyze the factors that influence the satisfaction consumers of Nafisa Salon Muslimah services. The sampling technique used was purposive sampling. Data were obtained using a questionnaire distributed to 100 respondents. Consumer data were analyzed using a binary logistic regression model with SPSS software. The results of the study stated that the service, product, price, and maintenance variables affected the satisfaction of the Muslimah Salon consumer service, while the comfort variable was not affected. Therefore, Nafisa Salon Muslimah can provide offline services by implementing strict health protocols and home services, selling care products online through e-commerce during the Covid-19 pandemic.]]>
<![CDATA[PENGARUH KECERDASAN EMOSIONAL DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN MELALUI KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING ]]>
<![CDATA[Keke Tamara Fahira]]>;
<![CDATA[Rozaq Muhammad Yasin]]>
<![CDATA[ Jurnal Ilmiah Manajemen & Bisnis Vol 6 No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Pendidikan Nasional ]]>
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DOI: 10.38043/jimb.v6i2.3187
<![CDATA[The Business sector is facing intense competition around the world so that organizations recognize the importance of human resources as a competitive advantage. For this reason, the factors that have an influence on employee performance are discussed in this study including emotional intelligence, work environment and job satisfaction. This study aims to analyse the effect of emotional intelligence and work environment on employee performance through job satisfaction as intervening variable at PT. Indomaju Textindo Kudus. The quantitative method used in this research is using AMOS confirmatory analysis followed by Structural Equation Modeling (SEM). This research uses non probability sampling method (accidental sampling) in order to collect data. Primary data is used in the study by distributing 150 sample questionnaires to production employees at PT. Indomaju Textindo. The findings in this study are that emotional intelligence and work environment have a direct effect on employee performance. From the research results it can be concluded to improve the performance of employees at PT. Indomaju Textindo can be pursued by maintaining and improving the emotional intelligence of employees and a safe and comfortable work environment.]]>
<![CDATA[STRATEGI PENYELESAIAN PEMBIAYAAN BERMASALAH: TINJAUAN ASPEK HUKUM (Studi Pada BPRS di Provinsi Daerah Istimewa Yogyakarta) ]]>
<![CDATA[Rozaq M Yasin]]>;
<![CDATA[Rifqi Muhammad]]>
<![CDATA[ HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 7 │ No. 2 │ 2020 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v7i2.7183
<![CDATA[Strategi penyelesaian pembiayaan bermasalah dilakukan melalui dua jalur yaitu jalur non-litigasi maupun litigasi. Jalur non-litigasi (kekeluargaan) bisa dilakukan dengan penagihan, restrukturisasi, hapus buku atau tetap menjaga pertumbuhan pembiayaannya. Jika jalur non-litigasi tidak mencapai kesepakatan dan tidak bisa menyelesaikan pembiayaan bermasalah maka BPRS bisa menempuh jalur litigasi yang lebih mempunyai kekuatan hukum mengikat antar pihak.Penelitian ini merupakan penelitian dekriptif kualitatif dengan menggunakan penelitian lapangan (field research). Subjek penelitian yang digunakan untuk penelitian ini adalah BPRS yang ada di Provinsi Daerah Istimewa Yogyakarta. Data diperoleh dari wawancara kepada pihak terkait, observasi laporan keuangan dan studi dokumentasi berkaitan dengan proses penyelesaian pembiayaan bermasalah beserta jurnal-jurnal ilmiah terkait.Hasil penelitian menunjukkan bahwa ketika jalur non-litigasi atau jalur kekeluargaan tidak mencapai kesepakatan antara BPRS dan nasabah, maka BPRS bisa melanjutkan dengan menempuh jalur hukum yaitu dengan mengajukan gugatan sederhana untuk nilai gugatan kurang dari 200 juta. Adanya aturan Perma baru tentang Gugatan Sederhana menjadi salah satu alternatif yang bisa digunakan BPRS dalam menyelesaikan pembiayaan bermasalah terhadap perkara cidera janji (wanprestasi) dan/atau perbuatan melawan hukum yang dilakukan nasabah. BPRS perlu mempelajari tata cara pengajuan Gugatan Sederhana yang bisa menjadi solusi lain dalam menyelesaikan permasalahan wanprestasi nasabah yang menyebabkan tingginya angka NPF.]]>
<![CDATA[THE EFFECT OF BANK CHARACTERISTICS AND GOVERNANCE ON THE RATE OF RETURN IN ISLAMIC RURAL BANK ]]>
<![CDATA[Rozaq Muhammad Yasin]]>
<![CDATA[ Journal of Management and Islamic Finance Vol. 1 No. 1 (2021): Journal of Management and Islamic Finance ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/jmif.v1i1.3474
<![CDATA[The difference in profit sharing on investment funds placed by customers and shareholders can create agency problems. This study aims to analyze the effect of bank characteristics and governance on the rate of return on investment received by depositors and shareholders as the main investors in the operations of the Islamic Rural Bank. This study used panel data from 10 Islamic Rural Bank in the Special Region of Yogyakarta from 2013 to2020. The results showed that all bank characteristic proxies, namely financing growth, financing structure, efficiency, and financing quality significantly affected the rate of return received by depositors and shareholders, except for the efficiency variable which did not significantly affect the rate of return on investment for depositors. Islamic Rural Bank governance structure needs to pay attention to the ownership ratio, capital adequacy ratio, and the effectiveness of supervision by the Sharia Supervisory Board to maintain a competitive return on investment so that it is attractive to both depositors and shareholders.]]>
<![CDATA[The Influenced Factors of the Switching Customer to Halal Cosmetic Products ]]>
<![CDATA[Rozaq M. Yasin]]>;
<![CDATA[Siti Norjanah]]>
<![CDATA[ Indonesian Journal of Halal Research Vol 3, No 1 (2021): February ]]>
Publisher : <![CDATA[UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/ijhar.v3i1.10536
<![CDATA[Ideally, a Muslim will easily decide to consume cosmetic product that have a halal label compared to cosmetic product that are not yet labeled halal. However, there are many people who switch use of product even though they are labeled halal. This study aims to analyze behavior patterns and factors that probability influence customers to switch away from halal cosmetic products. This study used primarly data with purposive sampling of 100 respondents in special region of Yogyakarta. Using logistic regression, the results show that the behavior pattern of customer switching for halal cosmetic products was dominated by the Millennial generation who have high curiosity and aggressiveness so that this generation's behavior tends to be disloyal, including consuming cosmetics with halal products. Pricing, sales promotion, reputation and sales ethics have probability to influence customer switching behavior of halal cosmetic products. The halal cosmetic industry needs to pay attention to the behavior patterns of millennial generation, especially in terms of factors that probability influence to switch from halal cosmetic products.]]>
<![CDATA[Peningkatan Nilai Produk Melalui Perijinan PIRT, Sertifikasi Halal dan Digital Marketing Pada UMKM Sirup Parijoto ]]>
<![CDATA[Keke Tamara Fahira]]>;
<![CDATA[Rozaq Muhammad Yasin]]>
<![CDATA[ SEMAR (Jurnal Ilmu Pengetahuan, Teknologi, dan Seni bagi Masyarakat) Vol 11, No 2 (2022): November ]]>
Publisher : <![CDATA[LPPM UNS ]]>
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DOI: 10.20961/semar.v11i2.64034
<![CDATA[Tingginya kebutuhan konsumen terhadap pangan menjadikan pelaku usaha yang bergerak dalam bidang kuliner berperan penting dalam penyediaan makanan untuk memenuhi kebutuhan konsumen. Sehingga dalam hal ini menjadi perhatian dan tugas penting bagi seluruh pihak baik pemerintah maupun produsen makanan untuk menjaga keamanan pangan yang diproduksinya, baik dari segi gizi, kebersihan, keamanan, kehalalan dan lain sebagainya. Salah satu program pemerintah dalam menjamin produk makanan aman untuk dikonsumsi masyarakat adalah dengan mengeluarkan izin edar berupa izin PIRT (pangan industri rumah tangga) dan Sertifikasi Halal yang merupakan jaminan resmi dari pemerintah untuk dapat beredar dan aman dikonsumsi bagi seluruh konsumen. PIRT dikeluarkan melalui badan pengawas yaitu Dinas Kesehatan yang terdapat di suatu Kabupaten. Seiring dengan hal tersebut, berbagai peluang untuk melakukan peningkatan kinerja pemasaran muncul melalui platform marketplace.Pengabdian ini melakukan pendekatan pemberdayaan pemanfaatan PIRT, Sertifikasi Halal dan digital marketing melalui platform marketplace untuk meningkatkan kepercayaan konsumen terhadap produk dan kinerja pemasaran. Melalui pengabdian ini terjadi peningkatan nilai produk dengan memperoleh izin PIRT, Sertifikasi Halal dan jangkauan pasar yang lebih luas dengan menggunakan platform marketplace pada produk sirup parijoto. Kata kunci: Digital Marketing; PIRT; Sertifikasi Halal; Sirup Parijoto]]>
<![CDATA[THE INFLUENCE OF PEER TO PEER LENDING (P2P) AND ELECTRONIC MONEY ON INCREASING PROFITS OF MICRO SMALL AND MEDIUM ENTERPRISES (MSME) IN KUDUS REGENCY ]]>
<![CDATA[Rhealin Hening Karatri]]>;
<![CDATA[Keke Tamara Fahira]]>;
<![CDATA[Rozaq Muhammad Yasin]]>
<![CDATA[ Journal of Management and Islamic Finance Vol. 2 No. 2 (2022): Journal of Management and Islamic Finance ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/jmif.v2i2.5509
<![CDATA[Currently, MSMEs must begin to realize the importance of various digital platform services such as peer to peer lending (P2P) and electronic money. The low number of MSME business actors in Kudus Regency compared to MSME business actors in other regencies is one of the reasons for conducting this research. In addition, there is still a lack of research on Peer to peer lending (P2P) and electronic money with the use of connecting/intervening variables. The sampling technique used purposive sampling. The data was obtained using a questionnaire distributed to 91 MSME business actors in Kudus Regency. Consumer data were analyzed using multiple regression models and path analysis with SPSS. The results show that there is a direct influence of P2P and electronic money on the increase in MSME profits, the indirect influence of P2P and electronic money on the increase in MSME profits with MSME income as intervening, as well as the direct influence of P2P and electronic money on MSME income.]]>
<![CDATA[DETERMINAN KEBIJAKAN DIVIDEN PADA PERUSAHAAN SUBINDUSTRI MAKANAN OLAHAN DI INDONESIA ]]>
<![CDATA[Delvia Okvi Alfionita]]>;
<![CDATA[Kertati Sumekar]]>;
<![CDATA[Rozaq Muhammad Yasin]]>
<![CDATA[ Jurnal Riset Ilmu Ekonomi Vol. 3 No. 2 (2023): Jurnal Riset Ilmu Ekonomi (JRIE) Edisi Agustus 2023 ]]>
Publisher : <![CDATA[Universitas Pasundan ]]>
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DOI: 10.23969/jrie.v3i2.66
<![CDATA[This study aims to analyze the impact of the company’s internal factors on dividend policy in processed food sub-industry companies in Indonesia. The internal factors that determine the dividend policy tested in this research are Collateralizable Assets, Investment Opportunity Sets, Lagged Dividend, and Debt Policy. This research uses a quantitative approach, using secondary data derived from the financial reports of processed food sub-industry companies listed on the IDX for the 2016-2021 periods. Purposive sampling method was used to obtain a sample of 13 companies from a population of 24 companies. The data analysis technique used is panel data regression. The results showed that partially Investment opportunity set, lagged dividend, and debt policy had a positive and significant effect on dividend policy. Meanwhile Collateralizable Assets have no significant effect on dividend policy.]]>
