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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Al-Qardh Al-Mustashfa Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah MAHKAMAH: Jurnal Kajian Hukum Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Global Citizen : Jurnal Ilmiah Kajian Pendidikan Kewarganegaraan JMM (Jurnal Masyarakat Mandiri) At-Tawassuth: Jurnal Ekonomi Islam MALIA IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Nizham Journal of Islamic Studies At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Adzkiya : Jurnal Hukum dan Ekonomi Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Abdimas UNWAHAS : Jurnal Pengabdian Masyarakat UNWAHAS Dimasejati: Jurnal Pengabdian Kepada Masyarakat KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH BERNAS: Jurnal Pengabdian Kepada Masyarakat Indonesian Journal of Islamic Business and Economics (IJIBE) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) El-Iqtishady Jurnal Akuntansi dan Keuangan (JAK) Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Salam (Islamic Economics Journal) Al Fiddhoh: Journal of Banking, Insurance, and Finance el-Jizya: Jurnal Ekonomi Islam Mabsya: Jurnal Manajemen Bisnis Syariah Islamic Economic and Business Journal CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Akademika : Jurnal Pemikiran Islam Journal of Comprehensive Science PERADABAN JOURNAL of ECONOMIC and BUSINESS Journal of Accounting and Finance Management (JAFM) Jurnal Ilmu Multidisplin Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Jeksyah Journal of Islamic Economics Lariba Jurnal Manajemen, Akuntansi, Ekonomi Velocity: Journal of Sharia Finance and Banking Journal of Social Science and Business Studies Jurnal Global Ilmiah Jurnal Ekonomi Bisnis Antartika Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen AB-JOIEC: Al-Bahjah Journal of Islamic Economics Jurnal Inovasi Global JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan JURNAL MULTIDISIPLIN ILMU AKADEMIK Insight : International Journal of social research Journal of Sharia Accounting and Tax (JSAT Wealth: Journal of Islamic Banking and Finance EduBase: Journal of Basic Education Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Nusa Manajemen Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Jurnal Kajian Ekonomi dan Perbankan Syariah Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Journal of Sharia Tourism and Hospitality Cirebon International Journal of Economics and Business Journal of Sharia Micro Enterprise and Cooperation Al-Wajih: The Journal of Islamic Studies Contemporary Islamic Economic and Business Review Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Wartoyo Wartoyo
(Scopus ID 59361997400) UIN Siber Syekh Nurjati Cirebon
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PENGARUH DANA PIHAK KETIGA (DPK) TERHADAP PEMBIAYAAN PADA BANK SYARIAH INDONESIA Whardana, Karisma Kusuma; Septian Haerisma, Alvien; Wartoyo
AB-JOIEC: Al-Bahjah Journal of Islamic Economics Vol. 3 No. 01 (2025): AB-JOIEC
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61553/abjoiec.v3i01.239

Abstract

Penyaluran pembiayaan pada bank syariah sangat bergantung pada dana pihak ketiga (DPK). Fluktuasi jumlah dana yang dihimpun memengaruhi kapasitas bank dalam menyalurkan pembiayaan. Data Bank Syariah Indonesia (BSI) periode 2021–2024 menunjukkan bahwa tabungan dan giro mengalami peningkatan, sementara deposito cenderung menurun, sedangkan jumlah pembiayaan terus meningkat setiap tahunnya. Studi ini bertujuan untuk menganalisis pengaruh DPK, yang terdiri dari tabungan, deposito, dan giro, terhadap pembiayaan yang disalurkan. Metode yang digunakan adalah pendekatan kuantitatif deskriptif dengan jenis penelitian kepustakaan (library research), menggunakan data sekunder dari laporan keuangan bulanan BSI periode 2021–2024. Teknik analisis data menggunakan model Autoregressive Distributed Lag (ARDL).Hasil analisis menunjukkan bahwa secara parsial, tabungan tidak berpengaruh signifikan terhadap pembiayaan (p = 0,4334), sementara deposito (p = 0,0315) dan giro (p = 0,0284) berpengaruh signifikan. Secara simultan, ketiga variabel DPK tersebut berpengaruh signifikan terhadap pembiayaan (p = 0,000), dengan nilai adjusted R² sebesar 0,994, yang menunjukkan bahwa 99,4% variasi pembiayaan dapat dijelaskan oleh variabel-variabel DPK. Temuan ini memberikan kontribusi penting bagi pengelolaan dana pihak ketiga di BSI, khususnya dalam merumuskan strategi penghimpunan dana yang efektif guna menjaga kestabilan dan pertumbuhan pembiayaan secara berkelanjutan.
Integrating Maqaṣid al-Shariah into the Sustainable Development Goals: A Comparative Analysis from an Islamic Economic Perspective Wulandari, Nurul; Aziz, Abdul; Wartoyo
Jeksyah: Islamic Economics Journal Vol. 5 No. 02 (2025): September 2025 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v5i02.2837

Abstract

This study explores how Maqasid al-Shariah provides a robust foundation for developing a sustainable and inclusive economic system aimed at achieving human welfare and happiness through fair and balanced wealth distribution at both individual and societal levels. It discusses how the principles of Maqasid al-Shariah can guide the formulation of economic policies that prioritize collective well-being and environmental sustainability. The research adopts a qualitative approach using a literature-based study, examining relevant theories and scholarly works within the framework of Maqasid al-Shariah and Islamic economics. The findings reveal that Islamic economics has evolved as a viable alternative to the conventional global economic system because it is rooted in divine values, justice, equitable wealth distribution, the prohibition of usury (riba) and uncertainty (gharar), as well as a strong sense of social responsibility. These principles closely align with the objectives of the Sustainable Development Goals (SDGs), promoting prosperity in both this world and the hereafter while ensuring environmental and social sustainability. Anchored in Maqāṣid al-Sharī‘ah, Islamic economics emphasizes fulfilling essential needs and generating collective benefit (maslahah), rather than pursuing mere material gain. This ethical orientation positions Islamic economics as a more just, equitable, and sustainable alternative to conventional systems. Furthermore, ijtihad-based approaches grounded in public benefit are crucial to keeping Islamic economics relevant to contemporary challenges while preserving the spirit of Sharia in all economic activities.
A Comparative Study Of Nahdlatul Ulama And Muhammadiyah On E-Commerce Peer-To-Peer Lending Subkhan, Mohammad; Aziz, Abdul; Wartoyo, Wartoyo; Hardiyanto, Feri
International Journal of Social Research Vol. 1 No. 1 (2023): Insight : International Journal of social research
Publisher : Worldwide Research Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/insight.v1i1.2

Abstract

Peer-to-Peer Lending has become a significant phenomenon in the development of digital financial services in Indonesia. This comparative study analyzes the perspectives of Nahdlatul Ulama and Muhammadiyah on Peer-to-Peer Lending practices. The aim of this research is to identify the similarities and differences in the views and approaches of these two largest Islamic organizations in Indonesia towards this digital financial service. Comparative study methodology is employed as the approach in this research. Data is obtained through literature analysis, official documents, and interviews with key figures from NU and Muhammadiyah. Analyzed aspects encompass relevant Sharia principles, socio-economic impacts, consumer protection, as well as views on ethics and religious values in the context of Peer-to-Peer Lending services. The results of the analysis show that, overall, the comparative study between Nahdlatul Ulama and Muhammadiyah regarding e-commerce Peer-to-Peer Lending shares common ground. In the perspectives of Nahdlatul Ulama and Muhammadiyah, riba or interest in online lending practices is considered prohibited (haram) as it contradicts Islamic Sharia principles that prohibit ribawi financial transactions. The difference between the two, Nahdlatul Ulama and Muhammadiyah, is predominantly in their legal deduction (istinbath) approach; Nahdlatul Ulama relies on the consensus (Ijma’) of scholars found in classical jurisprudential texts, while Muhammadiyah derives its legal deduction through Bayani Ijtihad, drawing from the textual sources in the Quran and Hadith of Prophet Muhammad. The implications of these findings underscore the need for collaboration between Islamic organizations and Peer-to-Peer Lending industry stakeholders to ensure services aligned with religious values and ethics, as well as to enhance public understanding of the potential risks and benefits of these services. This comparative study provides a deeper understanding of the roles and perspectives of NU and Muhammadiyah on financial technology advancements, offering a more comprehensive view of the social and economic implications of Peer-to-Peer Lending within the context of Indonesian society.
Implementasi Sustainable Development Goals (SDGS) Di Indonesia Perspektif Ekonomi Islam Usman, Usman; Wartoyo, Wartoyo; Haida, Nur; Wahyuningsih, Nining
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.12446

Abstract

Indonesia berkomitmen untuk menyukseskan Sustainable Development Goals (SDGs) sebagai bagian dari upaya pembangunan ekonomi berkelanjutan yang juga merupakan bagian dari komitmen global. Tulisan ini bertujuan untuk menganalisis sejauh mana keberhasilan pemerintah dalam menerapkan program SDGs, dengan focus pada tujuan-tujuan terkait kesejahteraan. Selain itu, penulis juga akan mengeksplorasi relevansi penerapan SDGs di Indonesia dari perspektif ekonomi Islam. Metode penelitian yang digunakan adalah Sistematic Literature Review, yang merupakan pendekatan sistematis dan terstruktur untuk menilai, menganalisis, dan menyintesis literatur yang relevan dengan topik penelitian.  Hasil kajian menunjukkan bahwa aspek regulasi SDGs di Indonesia telah menunjukkan kemajuan signifikan dan relevansi dengan prinsip-prinsip ekonomi Islam. Namun, dalam praktiknya, terdapat berbagai kekurangan dan ketidaksesuaian antara isu kesejahteraan dan tujuan SDGs, terutama dari perspektif ekonomi Islam. Hal ini berkontribusi pada peningkatan kesenjangan sosial di Indonesia dalam sepuluh tahun terakhir. Temuan ini menunjukkan perlunya perbaikan yang signifikan dalam pelaksanaan program SDGs untuk mencapai kesejahteraan yang lebih merata dan adil. Indonesia is committed to the success of the Sustainable Development Goals (SDGs) as part of the sustainable economic development efforts that are also part of global commitments. This paper aims to analyze the extent of the government's success in implementing the SDGs program, focusing on goals related to welfare. In addition, the author will also explore the relevance of implementing the SDGs in Indonesia from an Islamic economic perspective. The research method used is Systematic Literature Review, which is a systematic and structured approach to assess, analyze, and synthesize the literature relevant to the research topic.  The results of the study show that the regulatory aspects of SDGs in Indonesia have shown significant progress and relevance to the principles of Islamic economics. However, in practice, there are various shortcomings and mismatches between welfare issues and the goals of the SDGs, especially from an Islamic economic perspective. This has contributed to the increase in social inequality in Indonesia in the last ten years. These findings indicate the need for significant improvements in the implementation of the SDGs program to achieve more equitable and just welfare.
How Does Investment Risk Mediate the Effect of Investment Literacy on Online Interest in Investing Among Generation Z? Wartoyo; Novi Nur Azizah; Rita Kusumadewi
Journal of Social Science and Business Studies Vol. 2 No. 1 (2024): JSSBS
Publisher : Yayasan Gema Bina Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61487/jssbs.v2i1.64

Abstract

This study aims to determine whether or not there is an influence of investment literacy on online  investment interest with investment risk as an intervening variable. The type of research used is case study research with a quantitative approach and uses data collection techniques through questionnaires distributed online. The population in this study is generation Z in Cirebon City  with a sampling technique using probability sampling, namely  with a simple random sampling  method of 155 people, with path analysis using the help of IBM Stastistic SPSS software version 25. The results showed that the level of investment literacy had a positive and significant effect on online investment interest  with a calculation of 12,251 (>1,655) and a significance value of 0,000 (<0.05). Investment risk has a positive and significant effect on online investment interest  with a calculation of 5.377 (>1.655) and a significance value of 0.000 (<0.05). While in the sobel test, it is known that investment risk can mediate the influence of investment literacy on online investment interest  of 4.2353714571305.
Determinan Indeks Harga Saham Syariah Di Jakarta Islamic Index (Jii) Periode 2019-2023 Iskandar zulkarnaen, Mohamad; Wartoyo, Wartoyo; Sudrajat, Anton
Journal of Comprehensive Science Vol. 3 No. 3 (2024): Journal of Comprehensive Science (JCS)
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v3i3.642

Abstract

Pertumbuhan pasar modal syariah di Indonesia periode 2019-2023 menyaksikan pertumbuhan yang pesat dalam pasar modal syariah Indonesia. Faktor-faktor seperti transparansi, praktik bisnis yang etis, dan kepatuhan terhadap fatwa syariah juga memiliki dampak signifikan, perkembangan teknologi dan inovasi dalam industri keuangan, termasuk dalam konteks pasar modal syariah, juga dapat menjadi determinan penting dalam pergerakan JII. Hal ini termasuk penggunaan fintech, platform perdagangan elektronik, dan produk-produk keuangan berbasis teknologi. Tujuan penelitian ini adalah untuk mengetahui hubungan jangka pendek dan jangka panjang antara inflasi dengan indeks harga saham syariah di JII, untuk mengetahui hubungan jangka pendek dan jangka panjang antara suku bunga dengan indeks harga saham syariah di JII, untuk mengetahui hubungan jangka pendek dan jangka panjang antara nilai tukar dengan indeks harga saham syariah di JII, Penelitian ini menggunakan metode kuantitatif, dengan objek penelitian data sekunder dalam bentuk time series, sampel penelitian ini diambil dari data time series selama tahun 2019 sampai tahun 2023 yaitu sebanyak 60 observasi.Hasil penelitian ini adalah 1) Inflasi dalam jangka panjang mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.0002 dibawah level of significant sebesar 0.05, sedangkan dalam jangka pendek variabel inflasi tidak mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.3823 artinya lebih besar dari tingkat alpha 0.05, 2) Suku Bunga dalam jangka panjang mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.0023 dibawah level of significant sebesar 0.05, sedangkan dalam jangka pendek variabel suku bunga tidak mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.7889 artinya lebih besar dari tingkat alpha 0.05, 3) Nilai Tukar dalam jangka panjang maupun jangka pendek mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.0000 dibawah level of significant sebesar 0.05.
The Role of Attitude in Mediating Gen Z’s Intention in Use of Digital Sharia Banking Wartoyo, Wartoyo; Sudrajat, Anton; Wiyani, Silva; Subagiyo, Rokhmat; Haqqiquddin Rokhmatulloh, Muhammad Raisa; Fauzan
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6249

Abstract

Introduction: Dynamic technological developments make a significant contribution to human life. In the banking world, one of the technological developments that has changed the way of transactions is the emergence of payment instruments known as digital banking. Therefore, this research aims to determine the effect of convenience and usefulness on interest in using digital banking with attitude as an intervention variable for Gen Z in Cirebon Regency. Method: The research uses a quantitative approach with the type of non-parametric data. The sampling technique used random sampling with a number of samples are 100 respondents. The data analysis technique uses Structural Equation Modeling (SEM) with the tool is SEM-PLS. Result: The results of the first test show that the Convenience and Usefulness has a significant effect on attitudes to use digital banking. Likewise in the second test show the Convenience, Benefit and Attitude has a significant effect on interest in using digital banking. Whereas the result of mediating test show that the Attitudes have a significant influence as an intervening variable between ease and interest in using digital banking, also has a significant effect as an intervening variable between ease and interest in using digital banking. Conclusion & Suggestion: The findings of this study show that the main factor that attracts Gen Z in using Digital Banking is the ease of use factor, therefore banks must always pay attention to the user interface (UI) and user experience (UX) of their applications. The intuitive design and easy transaction process will be very attractive to Gen Z. In addition to convenience, the benefits offered also need to be more concrete and relevant to the needs of Gen Z. Knowing that attitudes have a very important role in influencing interest, digital banks can build campaigns that focus not only on features and benefits, but also on forming a positive perception of digital banking.
Implementasi Sustainable Development Goals (SDGS) Di Indonesia Perspektif Ekonomi Islam Usman, Usman; Wartoyo, Wartoyo; Haida, Nur; Wahyuningsih, Nining
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.12446

Abstract

Indonesia berkomitmen untuk menyukseskan Sustainable Development Goals (SDGs) sebagai bagian dari upaya pembangunan ekonomi berkelanjutan yang juga merupakan bagian dari komitmen global. Tulisan ini bertujuan untuk menganalisis sejauh mana keberhasilan pemerintah dalam menerapkan program SDGs, dengan focus pada tujuan-tujuan terkait kesejahteraan. Selain itu, penulis juga akan mengeksplorasi relevansi penerapan SDGs di Indonesia dari perspektif ekonomi Islam. Metode penelitian yang digunakan adalah Sistematic Literature Review, yang merupakan pendekatan sistematis dan terstruktur untuk menilai, menganalisis, dan menyintesis literatur yang relevan dengan topik penelitian.  Hasil kajian menunjukkan bahwa aspek regulasi SDGs di Indonesia telah menunjukkan kemajuan signifikan dan relevansi dengan prinsip-prinsip ekonomi Islam. Namun, dalam praktiknya, terdapat berbagai kekurangan dan ketidaksesuaian antara isu kesejahteraan dan tujuan SDGs, terutama dari perspektif ekonomi Islam. Hal ini berkontribusi pada peningkatan kesenjangan sosial di Indonesia dalam sepuluh tahun terakhir. Temuan ini menunjukkan perlunya perbaikan yang signifikan dalam pelaksanaan program SDGs untuk mencapai kesejahteraan yang lebih merata dan adil. Indonesia is committed to the success of the Sustainable Development Goals (SDGs) as part of the sustainable economic development efforts that are also part of global commitments. This paper aims to analyze the extent of the government's success in implementing the SDGs program, focusing on goals related to welfare. In addition, the author will also explore the relevance of implementing the SDGs in Indonesia from an Islamic economic perspective. The research method used is Systematic Literature Review, which is a systematic and structured approach to assess, analyze, and synthesize the literature relevant to the research topic.  The results of the study show that the regulatory aspects of SDGs in Indonesia have shown significant progress and relevance to the principles of Islamic economics. However, in practice, there are various shortcomings and mismatches between welfare issues and the goals of the SDGs, especially from an Islamic economic perspective. This has contributed to the increase in social inequality in Indonesia in the last ten years. These findings indicate the need for significant improvements in the implementation of the SDGs program to achieve more equitable and just welfare.
ANALISIS PERSEPSI NASABAH TERHADAP PEMBIAYAAN MUSYARAKAH DI BMT ALFA DIRHAM MANDIRI DUKUPUNTANG Istighfarah, Istighfarah; Wartoyo , Wartoyo; Saefulloh , Eef
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 2 (2025): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v6i2.5420

Abstract

ABSTRACT The research was conducted with the aim of analyzing customer perceptions and the factors that influence them towards musyarakah financing provided by BMT Alfa Dirham Mandiri Dukupuntang and the efforts made to improve the quality of musyarakah financing. This study uses a qualitative approach with the Field Research method through the collection of primary and secondary data. The results of this study show that customer perceptions of musyarakah financing at BMT Alfa Dirham Mandiri Dukupuntang received a positive response. Customer perceptions are influenced by product or service quality, effective communication, personal experience, cultural or social factors, perceptions of belief, perceptions of security, targets and situations, and perceptions of sharia compliance. And efforts made to improve the quality of profit-sharing financing have several strategies, namely: Educating Customers, Promotion and Socialization (This is used in marketing strategies); Then the strategy used to improve its quality is to use Transparency to customers, Prioritizing customers who have businesses that have been running for more than 3 months, Ease of application process, Communicating well with customers. Keywords: Peception, Musyarakah Financing, BMT ABSTRAK Penelitian dilakukan dengan tujuan untuk ntuk menganalisis persepsi nasabah dan faktor-faktor yang mempengaruhinya terhadap pembiayaan musyarakah yang diberikan oleh BMT Alfa Dirham Mandiri Dukupuntang dan upaya yang dilakukan dalam meningkatkan kualitas pembiayaan musyarakah. Penelitian ini menggunakan pendekatan kualitatif dengan metode Field Research melalui pengumpulan data primer dan data sekunder. Hasil penelitian ini bahwa persepsi nasabah terhadap pembiayaan musyarakah di BMT Alfa Dirham Mandiri Dukupuntang mendapatkan respon yang positif. Persepsi nasabah dipengaruhi oleh kualiatas produk atau layanan, komunikasi yang efektif, pengalaman pribadi, faktor budaya atau sosial, persepsi keyakinan, persepsi keamanan, target dan situasi, dan persepsi kepatuhan syariah. Dan upaya yang dilakukan dalam meningkatkan kualitas pembiayaan bagi hasil memiliki beberapa strategi, yaitu: Mengedukasi Nasabah, Promosi dan Sosialisasi (Hal itu digunakan dalam strategi pemasaran); Lalu strategi yang digunakan untuk meningkatkan kualitasnya yaitu menggunakan Transparansi kepada nasabah, Mendahulukan nasabah yang memiliki usaha sudah berjalan lebih dari 3 bulan, Kemudahan dalam proses pengajuan, Berkomunikasi yang baik dengan nasabah.. Kata Kunci : Persepsi, Pembiayaan Musyarakah, BMT
DETERMINANTS OF SALES VOLUME OF HEALTH SUB-SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE FOR THE 2019-2023 PERIOD Hafif, Alimul; Wartoyo, Wartoyo; Widagdo, Ridwan
Jurnal Akuntansi dan Keuangan (JAK) Vol 30 No 1 (2025): JAK Volume 30 No 1 Tahun 2025
Publisher : Faculty of Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jak.v30i1.3495

Abstract

The purpose of this study is to measure the influence of production costs, selling costs, and general administrative costs on sales volume in health sub-sector companies listed on the Indonesia Stock Exchange for the 2019-2023 period either partially or simultaneously. The method used is a quantitative method with panel data from secondary data sources and analyzed using panel data regression with Common Effect, Fixed Effect, and Random Effect testing models. The sample and population are sourced from Health Companies listed on the IDX for the 2019-2023 period. The population used is 34 companies with a sample of 9 companies. Then for data analysis techniques, it starts with a panel data selection test, a classical assumption test, and a hypothesis test. Then the results obtained are (1) Production costs affect sales volume. (2) The cost of sales has no effect on the volume. (3) General administrative costs affect sales volume. (4) Simultaneously production costs, selling costs, and general administrative costs affect sales volume. Then an adjusted R-square value of 99.59% was also obtained.
Co-Authors AA Sudharmawan, AA Aan Djaelani Aan Jaelani Aan Jailani Abdul Aziz Abdul Aziz Abdul Aziz Abdul Ghoni Abdul Ghoni Abdul Rosyid Abdul Wadud Kasyful Anwar, Abdul Muiz Agustin, Safira Agustina, Riyana Ainun, Ayi Siti Ali Arifin Alvien Septian Haerisma Alya Fauzi Zaizafun Amalia Habibah, Sabrina Amalia, Tia Anita Trisiana Anita Trisiana, Anita Anton Bawono Anton Sudrajat Anwar, Abdul Muiz Abdul Wadud Kasyful Apriliyani, Feni Aris Budiman Arya Kemuning Asieh, Ikeu Triana Yulie Asni Komalasari Awaliya Rahma, Tiara Ayus ahmad Yusuf Ayus Ahmad Yusuf Azizan Sentosah Hutabarat Bahjatulloh, Qi Mangku Bakhri, Syaeful Catur Wahyudi, Catur Chairunnisa Chairunnisa David Viansyah Diana Djuwita, Diana Disuma, Anggara Dwi Safitri, Dwi Fadilah, Dimas Fajriyatin, Fajriyatin Faridah Irmayanthy Farrakhan, Soulthan Akbar Fatinah, Lulu Fauzan Feri Hardiyanto Fitria Eka Permata Ghozali, Mohamad Hafif, Alimul Halla Novitasari Hamdalah, Nurul Hanami, Azzahra Septia Haqqiquddin Rokhmatulloh, Muhammad Raisa Hendra Yulia Rahman Heru Cahyono Hikam Muhtadi Zuhdi Inarawi, Wiwi Iqbal Noor Iqbal, Moh Irsad Iskandar zulkarnaen, Mohamad Istighfarah, Istighfarah Jakaria, Dandy Jannah, Isroqtul Joni Kusumadewi, Rita Layaman Layaman Layaman Layaman Layaman Layaman Layaman, Layaman Lestari, Ayu Gumilang Lisa Pratiwi Listriyani, Futri Lukman Lutfiyanti, Lutfiyanti Makmuri Ahdi Maulidina, Devrina Meilinda, Shinta Melandari, Esta Meutia, Nova Gina Mohammad Subkhan Mubarok Fatahillah Muhammad Khairul Umam Mulsim, Muhammad Irfai Munjat, Ma'mur Mutadi Mutadi, Mutadi Muztahidin, Muhamad Nabila, Putri Nila Ernila NINING WAHYUNINGSIH Nova Gina Meutia Noval Kurnia Novi Nur Azizah Novitasari, Halla Nur Eka Setiowati, Nur Eka Nur Eka Setyowati Nur Fithriya, Milla Nur Haida Nur Haida Nur Haida Nur Haida, Nur Nur Kholis Nur Syam Nurrohmah, Faiza Intan Nursusilo Wati, Shinta Julia NURUL WULANDARI Pelitawati, Eva Prastyo, Dony Purwati, Poni Qi Mangku Bahjatulloh Raihan Yahya Ismail Ridwan Widagdo Rifqi Muthoharul Janan Rismaya, Erin Rochanda Wiradinata Rokhmat Subagiyo Rosviana, Mohammad Irfan Saefulloh , Eef Saefulloh, Eef Sari, Ama Farida Sherly Nur Jamila Sigit Nurhendi Silviya Maharani Siti Supeni Solikhul Mujab Soviana, Dina Sri Rokhlina Sari Sri Rokhlinasari Sukarnoto, Toto Sutoyo Sutoyo Ulfain Usman Usman Usman Usman Whardana, Karisma Kusuma Wihan Aria Tinandi Wiyani, Silva Yetti, Febri Delmi Zaizafun, Alya Fauzi