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Enhancing financial stability in Islamic banks: An investigation of determinants during the COVID-19 in Indonesia Putri, Ardita Herniati; Zulpawati, Zulpawati; Syapriatama, Imronjana; Mas'ud, Riduan; Aminy, Muhammad Muhajir; Rooly, Mohamed Saleem Ahamed Riyad
Journal of Enterprise and Development (JED) Vol. 6 No. 2 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i2.10054

Purpose — This study investigates the determinants of Islamic banks' stability in Indonesia amidst the Covid-19 pandemic.Method — Employing a causality-associative quantitative approach, the research utilizes purposive sampling and secondary data collection from monthly financial reports on the official websites of OJK (Financial Services Authority) and BI (Bank Indonesia). Statistical techniques including normality test, multicollinearity test, t-test, f-test, R2 test, and multiple linear regression, aided by SPSS version 22 and Microsoft Excel, are employed for data analysis.Result — The results reveal that Islamic banks' total assets significantly positively influence their stability in Indonesia. Additionally, variables such as Operational Costs to Operational Income (OCOI) ratio and BI 7-Day Reverse Repo Rate (BI7DRR) exhibit significant negative effects on Islamic banks' stability. Practical implications — Understanding the influence of total assets, Operational Costs to Operational Income (OCOI) ratio, and the BI 7-Day Reverse Repo Rate (BI7DRR) on Islamic banks' stability in Indonesia during the Covid-19 pandemic can guide policymakers and bank management in implementing measures to strengthen resilience and mitigate risks, such as strategic asset management and cost optimization strategies.

The Impact of The Free Halal Certification Program (Sehati) on The Revenue Growth of Micro, Small, And Medium Enterprises (MSMES) Hidayanti Wildan, Firda; Abdun Natsir, Mohamad; Zulpawati, Zulpawati
IQTISHADUNA Vol. 15 No. 2 (2024): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i2.11335

The Indonesian government's role in optimizing the halal economy includes initiatives such as the Free Halal Certification Program (SEHATI) for Micro, Small, and Medium Enterprises (MSMEs), which has demonstrated a substantial impact on income levels. Halal certification has been shown to positively affect revenue growth among MSMEs. In Mataram City, in particular, MSMEs experienced significant increases in income following the acquisition of halal certification. The SEHATI program for MSMEs in Mataram is coordinated by various institutions, including the Halal Center at UIN Mataram, the Ministry of Religious Affairs, the Department of Cooperatives and MSMEs, and the Department of Industry and Trade. The aim of this study is to implement and analyze the impact of the SEHATI Free Halal Certification Program on the income growth of MSMEs in Mataram City. This research employs a qualitative methodology, utilizing field research techniques such as observation, interviews, and data collection through documentation. The findings indicate that the SEHATI program has had a significant impact on the income levels of MSMEs in Mataram City. The implementation of the SEHATI program involves several key elements: first, effective communication; second, human resource development; third, the role and attitude of program implementers; and fourth, the organizational structure, emphasizing the importance of collaboration among implementing bodies. The provision of free halal certification through the SEHATI program has notably increased the income of MSMEs in Mataram City, empowering business owners to market their products with enhanced confidence.

Enhancing financial stability in Islamic banks: An investigation of determinants during the COVID-19 in Indonesia Putri, Ardita Herniati; Zulpawati, Zulpawati; Syapriatama, Imronjana; Mas'ud, Riduan; Aminy, Muhammad Muhajir; Rooly, Mohamed Saleem Ahamed Riyad
Journal of Enterprise and Development (JED) Vol. 6 No. 2 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i2.10054

Purpose — This study investigates the determinants of Islamic banks' stability in Indonesia amidst the Covid-19 pandemic.Method — Employing a causality-associative quantitative approach, the research utilizes purposive sampling and secondary data collection from monthly financial reports on the official websites of OJK (Financial Services Authority) and BI (Bank Indonesia). Statistical techniques including normality test, multicollinearity test, t-test, f-test, R2 test, and multiple linear regression, aided by SPSS version 22 and Microsoft Excel, are employed for data analysis.Result — The results reveal that Islamic banks' total assets significantly positively influence their stability in Indonesia. Additionally, variables such as Operational Costs to Operational Income (OCOI) ratio and BI 7-Day Reverse Repo Rate (BI7DRR) exhibit significant negative effects on Islamic banks' stability. Practical implications — Understanding the influence of total assets, Operational Costs to Operational Income (OCOI) ratio, and the BI 7-Day Reverse Repo Rate (BI7DRR) on Islamic banks' stability in Indonesia during the Covid-19 pandemic can guide policymakers and bank management in implementing measures to strengthen resilience and mitigate risks, such as strategic asset management and cost optimization strategies.

The Influence Of Service Quality On Repurchase Decisions With Customer Satisfaction As An Intervening Variable (Case Study Of Coffee Shop Customers In Mataram City) Rifai, Muhammad; Zulpawati, Zulpawati; Pratiwi, Intan Kusuma
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 16 No. 1 (2025): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v16i1.13656

This research aims to determine the influence of service quality on repurchase decisions among coffee shop customers in the city of Mataram which is mediated by customer satisfaction, both direct and indirect influences. This type of research is explanatory research which explains the causal relationship between the variables. The data analysis technique used in this research is a quantitative data analysis technique using statistical methods. The data collection technique uses a questionnaire and the statistical method used is Partial Least Square (PLS) using SmartPLS 4 software. From the results of testing the four hypotheses that have been carried out, it can be concluded that service quality has a significant effect on customer satisfaction among coffee shop customers in the city of Mataram. Customer satisfaction has a significant influence on repurchase decisions for coffee shop customers in the city of Mataram, and service quality has a significant influence on repurchase decisions for coffee shop customers in the city of Mataram. Furthermore, service quality has a significant effect on repurchase decisions for coffee shop customers in the city of Mataram, with customer satisfaction as partial mediation.

Pengelolaan Modal Kerja dalam Menjaga Tingkat Likuiditas dan Profitabilitas Pada BMT- Al Hidayah Lombok Timur Arofah, Ainul; Zaenudinmansyur, Zaenudinmansyur; Zulpawati, Zulpawati
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.5012

This research aimed to determine the working capital management in maintaining liquidity and profitability levels and how the impact of the policy which has been implemented. This research was descriptive 0qualitative research using primary and secondary data, with data collection techniques namely observation, interviews and documentation of the financial reports from 2019 to 2021. The analysis used was data reduction, data presentation, drawing conclusions, and financial report analysis used the calculation of liquidity and profitability ratios.The results of the research showed that the working capital management policy used by BMT AI-Hidayah in maintaining the level of liquidity, namely establishing partnerships with sharia banks and non-banks, setting cash budgets, and allocating the funds to branch offices, while the policy used by BMT in maintaining its profitability level was distribution in the funding form. The impact of the policy implemented by BMT in terms of liquidity, namely having sufficient funds in its operations to pay the obligations. It can be seen in the ratio calculation from 2019 to 2021. NWC, current ratio, cash ratio are in a fairly good category. the impact on the profitability side was that BMT has increased revenue and this can be seen in the ROE calcultion which is in the very good category, while the ROI calcultion is in the fairly good category.

Pengaruh Label Halal, Harga Dan Citra Merek Terhadap Minat Beli Konsumen Kosmetik Skincare Melalui Aplikasi Tiktok Pada Masyarakat Di Kota Mataram Amaliah, Dina; yusuf, Mohammad; Zulpawati, Zulpawati
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 1 (2024): Article Research Volume 7 Number 1, January 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i1.1430

The purpose of the study is to examine the effects of halal labeling, price, and brand image on the purchasing intention of cosmetic or skincare consumers through Tiktok Application among the population of Mataram City. The study utilized a random sampling technique, and the sample size consisted of 100 respondents. It is a quantitative study that employs primary data. The data collection technique used in the study is a questionnaire, and the data analysis tool used is SPSS version 25.0. The quality of the data is tested using validity and reliability tests. The analytical technique used in the study is multiple linear regression, and the study employs partial correlation, simultaneous testing, and determination coefficient testing. Based on the data analysis, the results obtained from the t indicate that the partial effects of halal labeling and brand image significantly influence consumer purchasing intention of cosmetics among the residents of Mataram City. Each independent variable (halal labeling, brand image) has a t-value exceeding the t-table, while the price variable shows insignificant influence as its t-value is less than the t-table. From the F-test, it can be explained that halal labeling, price, and brand image simultaneously have a significant effect on consumer purchasing intention of cosmetics or skincare through TikTok application among the residents of Mataram City. The obtained F-value of 12.642 is greater than the F-table value of 2.72. The coefficient of determination analysis indicates that halal labeling, price, and brand image affect consumer purchasing intention of cosmetics/skincare through TikTok application among the residents of Mataram City by 28.3%, while the remaining 71.7% is influenced by other variables outside of this research model

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