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Identifying factors that influence the use of information system applications: Study at BAZNAS throughout East Kalimantan Lastari, Hilda; Widana, Gusti Oka
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15027

SIMBA is a web-based application that is currently being updated with technological advances that have been adjusted to the needs of Amil Zakat institutions nationally. SIMBA can present financial statements that comply with Zakat accounting standards (PSAK 109). However, SIMBA has yet to be used optimally to present financial statements. This study aims to analyse the factors that influence users to use SIMBA. The research was conducted at BAZNAS in East Kalimantan using TAM, which was extended with the SEM-PLS equation model with the SmartPLS v.4 programme. Data was taken from as many as 48 respondents through questionnaires distributed online. This research wants to emphasize the importance of the habit and system quality factors. Although the habit factor is individual in nature, organizations can still intervene, for example through training and improving the quality of human resources to be able to implement the application. Meanwhile, System Quality is because the SIMBA system is basically Top Down, so BAZNAS cannot do anything and only accepts it.

Semiotic Analysis of the Commodification of Islamic Teachings in Sharia Bank Advertisements in Indonesia El Ghiffary, Lazuardi; Widana, Gusti Oka
Nyimak: Journal of Communication Vol 7, No 2 (2023): Nyimak: Journal of Communication
Publisher : Faculty of Social and Political Science, Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/nyimak.v7i2.9014

This research aims to analyze the semiotics of the commodification of Islamic teachings in Islamic bank advertising in Indonesia. The research focuses on using C. S. Pierce’s semiotics approach to analyzing and explaining three main aspects: the meaning of Islamic signs in bank advertisements, the commodification of Islamic teachings, and the pattern of commodification of Islamic teachings in advertisements of BCA Syariah, Bank Mega Syariah, BSI, and BTPN Syariah. The research method employed is qualitative research that involves three key informants and three main informants. The data collected is analyzed using triangulated data interpretation to get a deeper sense. His findings from that research revealed several important points. First, it is clear that the meaning of Islamic signs in Islamic bank advertisements in Indonesia does not clearly depict any Islamic symbols. This raises questions about the authenticity of that commitment of the Islamic bank with Islamic principles in its advertisements. Second, the semiotic analysis shows that the message structure, format, content, and source of the Islamic bank advertisements in Indonesia are inconsistent incorporating signs or symbols that represent Islamic teachings. This suggests that this advertising focuses again on business and marketing aspects more precisely than conveying Islamic values to the public. Third, it identified a pattern of commodification in this study not directly related to Islamic teachings but rather connected to its enhanced dual role of employees in Islamic banking. This suggests that in the process of commodification, factors e.g., labor became again dominant rather than religious values it should be the main focus of the Islamic bank. This research provides a deeper understanding than that of the commodification of Islamic teachings in Islamic bank advertising in Indonesia. These findings could serve as a basis for critiquing the marketing practices of Islamic banks and reconsidering the application of Islamic values in their marketing strategies.Keywords: C.S. Pierce semiotics, commodification of Islamic teachings, advertising for Islamic banks ABSTRAKPenelitian ini bertujuan untuk menganalisis semiotika mengenai komodifikasi ajaran Islam pada iklan bank syariah di Indonesia. Fokus penelitian menggunakan pendekatan semiotika CS Pierce untuk menganalisis dan menjelaskan tiga aspek utama, yaitu makna tanda syariah pada iklan bank, komodifikasi ajaran Islam, dan pola komodifikasi ajaran Islam pada iklan BCA Syariah, Bank Mega Syariah, BSI, dan BTPN Syariah. Metode penelitian yang digunakan ialah penelitian kualitatif dengan melibatkan tiga informan kunci dan tiga informan utama. Data yang dikumpulkan dijelaskan menggunakan interpretasi data triangulasi untuk mendapatkan pemahaman lebih mendalam. Hasil penelitian menunjukkan beberapa temuan penting. Pertama, pemaknaan tanda syariah pada iklan bank syariah di Indonesia terbukti tidak ada tanda syariah yang ditampilkan dengan jelas. Hal ini menimbulkan pertanyaan mengenai keaslian komitmen bank-bank syariah terhadap prinsip-prinsip Islam dalam iklan mereka. Kedua, analisis semiotika menunjukkan bahwa struktur pesan, format pesan, isi pesan, dan sumber pesan pada iklan bank syariah di Indonesia tidak memuat tanda atau simbol yang secara konsisten menggambarkan ajaran Islam. Hal ini mengindikasikan bahwa iklan-iklan tersebut lebih fokus pada aspek bisnis dan pemasaran daripada menyampaikan nilai-nilai Islam pada masyarakat. Ketiga, pola komodifikasi yang ditemukan dalam penelitian ini bukan terkait dengan ajaran Islam, melainkan terkait dengan peningkatan peran ganda karyawan perbankan syariah. Hal ini menunjukkan bahwa dalam proses komodifikasi, faktor-faktor seperti tenaga kerja menjadi lebih dominan daripada nilai-nilai agama yang seharusnya menjadi fokus utama bank syariah. Penelitian ini memberikan pemahaman yang lebih mendalam tentang komodifikasi ajaran Islam pada iklan bank syariah di Indonesia. Temuan-temuan ini dapat menjadi dasar untuk mengkritisi praktik pemasaran bank syariah dan mempertimbangkan ulang penerapan nilai-nilai Islam dalam strategi pemasaran mereka.Kata Kunci: Semiotika C.S. Pierce, komodifikasi ajaran Islam, Iklan bank syariah

Analisa Strategi Peningkatan Pendapatan Zakat, Infaq dan Sedekah di Kota Batam di Era Perkembangan Teknologi Digitalisasi Adiyanto, Adiyanto; Widana, Gusti Oka
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14845

This study aims to examine strategies to improve Zakat, Infaq, and Sadaqah (ZIS) collection in the city of Batam in the era of digital technology development. Given Batam's rapid growth and the huge potential of an industrial workforce that largely uses digital technology, this study identifies opportunities and challenges in ZIS collection. Descriptive qualitative method was used, with data collected through interviews and literature study. The research findings show that although Baznas Kota Batam has strengths in terms of management and excellent programs, there are still weaknesses in optimizing the potential of ZIS collection. Recommended strategies include strengthening digitalization efforts, improving zakat literacy, and collaborating with various stakeholders to expand the reach of ZIS collection. This research aims to contribute to the development of more effective zakat collection strategies in the digital era.

Analisis Struktur Modal Bank Syariah di Indonesia Menggunakan Non Performing Financing Sebagai Variabel Moderasi Abadi, Ahmad; Widana, Gusti Oka
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14862

Capital structure is crucial in the financial management of Islamic banks, which operate under sharia principles. Since the practice of optimal capital structure can ensure the quality of bank operations, it is very important to analyze capital structure issues. This research aims to analyze the variables that determine the capital structure of Islamic bank with Non Performing Financing (NPF) as a moderating variable using the Trade Off Theory and Pecking Order Theory approaches. A quantitative method was used, analyzing panel data from the quarterly financial statement of 12 Indonesia Islamic banks form 2001-2003, using Eviews-12 software. The independent variables include bank size, profitability, Financing to Deposit Ratio (FDR), and asset growth, while the dependent variable is the Debt to Equity Ratio (DER). The study results imply that according to Trade Off Theory, Islamic bank in Indonesia balance the tax benefits of debt against bankruptcy costs. Related to Pecking Order Theory, Islamic banks in Indonesia are more likely to follow the order of funding preference, using internal funds first, then debt, and finally equity issuance. NPF as moderating variable, does not moderate all variables affecting capital structure.

Analisis Strategi Peningkatan Pengumpulan Zakat Pertanian: Di BAZNAS Kabupaten Serdang Bedagai Humaira, Hilma; Widana, Gusti Oka
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14975

This study aims to evaluate strategies for enhancing agricultural zakat collection in Serdang Bedagai Regency using the Business Model Canvas (BMC) approach and SWOT Analysis. The research focuses on the National Amil Zakat Agency (BAZNAS) of Serdang Bedagai Regency, which is tasked with managing and optimizing zakat collection. A descriptive qualitative method was employed, gathering data through in-depth interviews with BAZNAS personnel and direct observations of zakat collection practices. The findings indicate that the application of BMC enables BAZNAS to develop more innovative and efficient business models, thereby improving zakat collection, particularly for agricultural zakat. SWOT Analysis further highlights internal strengths and weaknesses, along with external opportunities and threats that BAZNAS faces in its zakat collection efforts. The study identifies several critical success factors, including active community participation, ongoing education, and strategic partnerships with various stakeholders. This research offers structured and practical recommendations for BAZNAS Serdang Bedagai to optimize agricultural zakat collection. The effective implementation of these strategies is expected to enhance the welfare of farmers and the wider community in Serdang Bedagai Regency through improved zakat management.

Identifying factors that influence the use of information system applications: Study at BAZNAS throughout East Kalimantan Lastari, Hilda; Widana, Gusti Oka
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15027

SIMBA is a web-based application that is currently being updated with technological advances that have been adjusted to the needs of Amil Zakat institutions nationally. SIMBA can present financial statements that comply with Zakat accounting standards (PSAK 109). However, SIMBA has yet to be used optimally to present financial statements. This study aims to analyse the factors that influence users to use SIMBA. The research was conducted at BAZNAS in East Kalimantan using TAM, which was extended with the SEM-PLS equation model with the SmartPLS v.4 programme. Data was taken from as many as 48 respondents through questionnaires distributed online. This research wants to emphasize the importance of the habit and system quality factors. Although the habit factor is individual in nature, organizations can still intervene, for example through training and improving the quality of human resources to be able to implement the application. Meanwhile, System Quality is because the SIMBA system is basically Top Down, so BAZNAS cannot do anything and only accepts it.

FAKTOR-FAKTOR MAKRO EKONOMI PENGARUHNYA TERHADAP INDEKS HARGA SAHAM GABUNGAN (STUDI KASUS PADA BURSA EFEK INDONESIA TAHUN 2017 - 2023) Juniar, Aldo Ghaffar; Rudianto, Dudi; Widana, Gusti Oka
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 2 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i2.3399

Penelitian ini bertujuan untuk membuktikan pengaruh determinan faktor-faktor makro ekonomi, khususnya inflasi, nilai tukar rupiah, pertumbuhan ekonomi dan indeks S&P500, terhadap Indeks Harga Saham Gabungan (IHSG) di Bursa Efek Indonesia (BEI). Periode yang digunakan dalam penelitian ini adalah 7 (tujuh) tahun dengan data time series bulanan, mulai dari Januari 2017 hingga Desember 2023. Jenis penelitian ini adalah penelitian asosiatif kausal dengan menggunakan metode kuantitatif. Objek pada penelitian ini yaitu Indeks Harga Saham Gabungan (IHSG), inflasi, nilai tukar rupiah, pertumbuhan ekonomi, dan indeks S&P500. Data yang digunakan adalah data sekunder. Hasil pengujian menggunakan teknik analisis Regresi Linier Berganda ini menunjukkan bahwa inflasi, nilai tukar rupiah, pertumbuhan ekonomi dan indeks S&P500 secara simultan berpengaruh positif signifikan terhadap Indeks Harga Saham Gabungan (IHSG). Secara parsial, inflasi, nilai tukar rupiah, pertumbuhan ekonomi berpengaruh positif dan signifikan terhadap IHSG, sedangkan indeks S&P500 memiliki pengaruh positif namun tidak signifikan kepada IHSG pada periode Januari 2017 – Desember 2023. Artinya, setiap kenaikan atau penurunan nilai inflasi, nilai tukar rupiah, dan pertumbuhan ekonomi sejalan dengan kenaikan atau penurunan nilai IHSG. Sedangkan setiap kenaikan atau penurunan nilai indeks S&P500 cenderung tidak memengaruhi setiap kenaikan maupun penurunan nilai IHSG.

Sharia-Based Tourism Management in Improving Community Income in Teluk Bakau Village, Riau Islands Province Helianto; Pakkanna, Mukhaer; Aditya, Mochammad Yana; Widana, Gusti Oka; Amelia, Amie
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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

Tourism plays an important role in regional economic growth. Sharia-based tourism is increasingly developing as a tourism model that prioritizes Islamic principles in service and destination management. This concept not only attracts Muslim tourists but also opens up economic opportunities for local communities. Teluk Bakau Village in Gunung Kijang District, Bintan Regency, has great potential in developing sharia-based maritime tourism with supporting natural resources and local wisdom. This study aims to analyze the management of sharia-based tourism in Teluk Bakau Village and its impact on local community income. A qualitative approach with a phenomenological method was used in this study. Data were collected through interviews with tourists and business actors in the tourist area. Data analysis was carried out using the data reduction method to see the relationship between sharia tourism and community income. The results of the study show that sharia-based tourism management has been implemented in several aspects, such as providing facilities in accordance with sharia principles such as Sharia principles in providing facilities include the existence of adequate places of worship, provision of halal food and drinks. However, obstacles are still encountered in promotion and supporting infrastructure. The implications of this research emphasize the importance of government support and cooperation between business actors and the community in developing sustainable sharia tourism that has a positive impact on the local economy.

Faktor-Faktor yang Mempengaruhi Keputusan Konsumen dalam Memilih Perumahan Syariah Non-Bank Swarman, Gema Fatri; Widana, Gusti Oka
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.1584

This study aims to analyze the influence of Sharia PPR characteristics, knowledge, and religiosity factor on consumer decision in choosing non-bank sharia housing. This type of research is a quantitative research with descriptive method. The respondents of this study is consumers of Sharia Housing of Aster Village Ciwastra (AVC) with a total sample of 172 peoples who were selected proportionall and the data collection is using questionnaire. The verification of variables using multiple regression and the significance testing used t test (partial) and F test (simultaneous). The results of the influence test, where partially the characteristics of sharia PPR, knowledge, and religiosity factor affect consumer decision in choosing non-bank sharia housing, with the contribution of each sharia PPR characteristic of 34.37%, knowledge factor of 16.58%, and the religiosity factor is 18.02%. Simultaneously, the characteristics of sharia PPR, knowledge and religiosity affect consumer decision in choosing non-bank sharia housing, with a contribution value of 83.70%. Based on the findings, if the characteristics of sharia PPR, knowledge factor and religiosity factor are increased simultaneously, it will be followed by an increase in consumer decision to choose non-bank sharia housing.

Kajian Mengenai Faktor-faktor yang dapat Mendorong Peningkatan Product Holding Ratio Armalisa Dwi Yani; Gusti Oka Widana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i10.9044

The Research examines the factors that can drive an increase in the Product Holding Ratio at Bank Syariah Indonesia, especially in the Jambi branch. The Product Holding Ratio is an important indicator in assessing the performance of banking products, which reflects how many products are owned by customers. This study uses a qualitative method with in-depth interviews with various informants, including branch managers and brand managers, to identify factors that contribute to an increase in the Product Holding Ratio. The results of the study indicate that there are several key factors that can drive an increase in the Product Holding Ratio, including sharia financial literacy, service quality, and effective marketing strategies. Low financial literacy in the community is a major challenge, where only around 38% of the community understands financial products well. Therefore, intensive financial education through seminars, workshops, and social media is needed to improve customer understanding of sharia products. In addition, good service quality also contributes significantly to customer loyalty. Research shows that customers who are satisfied with the services provided tend to use more products. The application of digital technology in banking services is also an important factor, where the use of user-friendly mobile banking applications can increase customer convenience in accessing services. Effective marketing strategies, including digital marketing and collaboration with local communities, are also a major focus in increasing the Product Holding Ratio. By establishing partnerships with educational institutions and community organizations, banks can expand their reach and increase public trust in the products offered. Overall, this study provides in-depth insight into the factors that can increase the Product Holding Ratio at Bank Syariah Indonesia, Jambi branch. The results of this study are expected to be a reference for bank management in formulating more effective strategies to increase the Product Holding Ratio and strengthen the bank's position in the Islamic banking market.

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