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Journal : Jurnal Ilmiah Ekonomi Islam

Pengaruh Defisit Anggaran, Inflasi dan Nilai Tukar Rupiah Terhadap Utang Luar Negeri Indonesia dalam Perspektif Ekonomi Islam Tahun 2010-2019 Fauzi Fauzi; Muhammad Suhaidi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5864

Abstract

This research aims to analyze the effect of the budget deficit, inflation and rupiah exchange rate on Indonesia's foreign debt in 2010-2019 partially and simultaneously and reviewed from the perspective of Islamic economics. The object of this research is Indonesia's foreign debt as the dependent variable, and three independent variables, namely the budget deficit, inflation and the rupiah exchange rate from 2010 to 2019. This research is a quantitative research. The type of data used is secondary time series data from 2010-2019 which was obtained from the official website of Bank Indonesia, the Ministry of Finance of the Republic of Indonesia and the Indonesian Central Statistics Agency. Data collection techniques in this research are documentation and literature study. The population in this study is all data on Indonesia's foreign debt, budget deficit, inflation and the rupiah exchange rate. The sample in this study is data on Indonesia's foreign debt, budget deficit, inflation and the rupiah exchange rate for 2010-2019. The sampling technique in this study used purposive sampling. Analysis of the data used is multiple linear regression analysis in OLS (Ordinary Least Square) using the computer program E-views 9. The results showed that partially the budget deficit had no positive and insignificant effect on Indonesia's foreign debt. Inflation has no positive and insignificant effect on Indonesia's foreign debt. The rupiah exchange rate has a positive and significant effect on Indonesia's foreign debt. The results of the study show that the budget deficit, inflation and the rupiah exchange rate together have a significant effect on Indonesia's foreign debt in 2010-2019. Foreign debt is actually allowed in Islam, but it is not recommended, external financing (funds from outside) is allowed as long as the mechanism is modified according to Islamic law.
Pengaruh Pengetahuan Produk Terhadap Minat Menabung di Bank Syariah Indonesia (BSI) Hendra Novian; Muhamad Wardany Anwar; Fauzi Fauzi; Rita Irviani
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.v9i3.11358

Abstract

Public interest in saving is the most basic thing for banks because it can help grow the success of banks, while customer knowledge about savings products will be a factor that influences customer interest in saving. The lack of socialization to the public or customers in introducing Islamic bank products, especially savings products, causes the public or customers to understand less about existing savings products. The purpose of this research is to determine the extent of the influence of product knowledge on interest in saving at Bank Syariah Indonesia (BSI) Kalirejo Central Lampung Cash Office in 2022. This type of research is a descriptive research type and uses a quantitative approach method with the population, namely customers who save at Bank Syariah Indonesia (BSI) Kalirejo Central Lampung Cash Office. This research is a study that uses descriptive research and quantitative approach methods with the population, namely customers who save at Bank Syariah Indonesia (BSI) Kalirejo Cash Office, Central Lampung. The sampling technique used Probability Sampling technique with Simple Random Sampling method with Slovin formula as many as 99 customers. Data collection techniques using questionnaires (questionnaires), observation, interviews and documentation. Based on the results of the study, it can be concluded that the influence of knowledge of each type of savings product has a positive effect on interest in saving at Bank Syariah Indonesia (BSI) Kalirejo Cash Office, Central Lampung. This is evidenced by the results of the joint test (T-test), namely the acquisition of a significant value of 0.000