Article Per Year (5 Year)
p-Index From 2021 - 2026
2.392
P-Index
This Author published in this journals
All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN Jurnal Ekonomi Syariah Teori dan Terapan At-Taqaddum Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah Jurnal Ekonomi Islam International Journal of Supply Chain Management Iqtishoduna: Jurnal Ekonomi Islam Journal of Leadership in Organizations Airlangga Journal of Innovation Management Jurnal Ilmiah Pengabdian dan Inovasi Jurnal Ekonomi Islam
Achsania Hendratmi
Departemen Ekonomi Syariah, Fakultas Ekonomi Dan Bisnis Universitas Airlangga
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Public Health Social Sciences Transportation

Published : 41 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 41 Documents
Search

 1   2   3   4   5 
PERSEPSI KEGUNAAN, KEMUDAHAN PENGGUNAAN, KEAMANAN DAN PRIVASI SERTA KEPERCAYAAN DALAM PENGGUNAAN ZAKAT ONLINE: DENGAN PENDEKATAN TAM Bahana Wiharjo; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 2 (2019): Februari-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20192pp331-343

Abstract

This research aim to examine the effect of perception usefulness, ease of use,  security and privacy and trust on online zakat in Indonesian. The sample of this study is the Muslim community in Indonesian who have fulfilled the provisions to pay zakat as many as 31 respondents. The data use are primary data collected using a questionnaire through google form. Indicators of research variables are measured using differential semantic scales 1 to 7. This study proves that usefulness, security and privacy as well as thrust have a significant positive on the use zakat online. Effect on the ease of use the result has a significant negative effect on the use of zakat online. The study also found that the criteria of individuals (respondent) who were relatively young and male were not problematic with the complexity of the online zakat website.Keywords: ease of use, usefulness, security and privacy, trust, online zakat usage, zakatREFERENCES Adam, B. (1992). Modern times: The technology connection and its implications for social theory. Time & SocAgarwal, R., & Prasad, J. (1999). Are individual differences germane to the acceptance of new information technologies? Decision sciences, 30(2), 361-391. Agranoff, M. H. (1991). Controlling the threat to personal privacy corporate policies must be created. Information System Management, 8(3), 18-52. Ahmad, N. N., Tarmidi, M., Ridzwan, I. U., Hamid, M. A., & Roni, R. A. (2014). The Application of Unified Theory of Acceptance and Use of Technology (UTAUT) for Predicting the Usage of E-Zakat Online System. International Journal of Science and Research (IJSR), 3(4), 63-67. Alam, S. S., Musa, R., & Hassan, F. (2009). Corporate customers’ adoption of0internet banking: Case of Klang Valley business firm in Malaysia. International Journal of Business and Management, 4(4), 13. Amin, H., Abdul‐Rahman, A. R., Ramayah, T., Supinah, R., &Mohd‐Aris, M. (2014).Determinants of online waqf acceptance: An empirical investigation. The Electronic Journal of Information Systems in Developing Countries, 60(1), 1- 18.Chin, W. W., & Todd, P. A. (1995). On the use, usefulness, and ease of use of structural equation modeling in MIS research: a note of caution. MIS quarterly, 237-246. Chung, N., dan S. J. Kwon. (2009). Effect of trust level on mobile banking  satisfaction: a multi-group analysis of information system success instruments. Behaviour & Information Technology, 28(6), 549-562.Czara, S. I; Hammond, K.; Blascovich, J. J.; and Swede, H (1989). Age related differences in Learning to use text editing system. Behavior and information technology, 8,4 , 309-319 .Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance  of information technology. MIS quarterly, 319-340. Flavián, C., Guinalíu, M., & Torres, E. (2005). The influence of corporate image on consumer trust: A comparative analysis in traditional versus internet banking. Internet Research, 15(4), 447-470. Harrison, A. W., dan R. K. Rainer Jr. (1992). The influence of individual differences on skill in end-user computing. Journal of Management Information Systems, 9(1), 93-111.Ibrahim, M. F. (2014). Sistempengurusan zakat di Malaysia: Analisis strategipenyebaran maklumat menerusil aman sesawang. Jurnal Pengurusan(UKM Journal of Management), 42. Jamaludin, N., Wahab, N. A., & Hamed, A. B. (2017). Muslim Perception on Online Zakat Usage in Kuala Lumpur. Kalakota, R., &Whinston, A. B. (1997). Electronic commerce: a manager's guide: Addison-Wesley Professional.Kaslam, S. (2009). Governing zakat as a social institution: The Malaysian perspective. Social and Management Research Journal, 6(1), 15-32. Kleijnen, M., Wetzels, M., & De Ruyter, K. (2004). Consumer acceptance of wirelessfinance. Journal of financial services marketing, 8(3), 206-217. Kusuma, H., &Susilowati, D. (2007). Determinan Pengadopsian Layanan Internet Banking: Perspektif Konsumen Perbankan Daerah Istimewa Yogyakarta. JurnalAkuntansi dan Auditing Indonesia, 11(2). Luarn, P., & Lin, H.-H. (2005). Toward an understanding of the behavioral intention to use mobile banking. Computers in human behavior, 21(6), 873-891. Morgan, R. M., & Hunt, S. D. (1994). The commitment-trust theory of relationship  marketing. The journal of marketing, 20-38. Nickell, G.S., and Pinto, J.N.(1989) The computer attitude scale. Computers in Human Behav- ior, 2, 301-306Poon, W.-C. (2007). Users' adoption of e-banking services: the Malaysian perspective. Journal of Business & Industrial Marketing, 23(1), 59-69. Rais, I. (2009). Muzakki dan Kriterianya Dalam Tinjauan Fikih Zakat. Al-Iqtishad: Jurnal IlmuEkonomi Syariah, 1(1). Raub, A. C. (1981). Correlates of computer anxiety in college students.Rexha, N., Kingshott, R. P. J., & Shang Shang Aw, A. (2003). The impact of the relational plan on adoption of electronic banking. Journal of services marketing, 17(1), 53-67. Rosland, A. B., Romli, N. B., &Borhan, J. T. (2012). Contract (akad) in online  banking. International Journal of Computer Applications, 60(18). Sadeq, A. M. (1997). Poverty alleviation: an Islamic perspective. Humanomics, 13(3), 110-134. Sathye, M. (1999). Adoption of Internet banking by Australian consumers: an empirical investigation. International Journal of bank marketing, 17(7), 324-334. Suh, B., & Han, I. (2002). Effect of trust on customer acceptance of Internet banking.  Electronic Commerce research and applications, 1(3-4), 247-263. Tan, G. W.-H., Chong, C.-K., Ooi, K.-B., & Chong, A. Y.-L. (2010). The adoption of online banking in Malaysia: an empirical analysis. International Journal of Business and Management Science, 3(2), 169. Triyuwono, I. (2004). Trust (Amanah), the divine symbol: Interpretations in the context of Islamic banking and accounting practices. Paper presented at the Fourth Asia Pacific Interdisciplinary Research in Accounting Conference.Wahab, N. A., & Abdul-Rahman, A. (2015). Efficiency of zakat institutions and its  determinants. Access to Financ and Human Development—Essays on Zakah, Awqaf and Microfinance, 33. Wahab, N. A., & Rahim Abdul Rahman, A. (2011). A framework to analyse the efficiency and governance of zakat institutions. Journal of Islamic Accounting and Business Research, 2(1), 43-62. Wardiana, W. (2002). Perkembangan teknologi informasi di Indonesia. Yaakub, N. A., Ramli, N. M., Muhamed, N. A., & Muhammad, I. (2016). Analysis of  e-payment applications: a case study of one of the zakat institutions in malaysia. Journal of Techno Social, 8(2). Yousafzai, S. Y., Pallister, J. G., &Foxall, G. R. (2003). A proposed model of e-trust for electronic banking. Technovation, 23(11), 847-860. 
Kesejahteraan Nelayan Puger Jember Perspektif Maqashid Syariah Al-Syatibi Fajar Kristanto; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 4 (2019): April-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20194pp830-845

Abstract

The goal of the title is to find out how Puger Wetan fishermen welfare in maqashid syariah Al-Syatibi indicator. There is five indicators among them is religion, life, hereditary, mind, and wealth. Hence, there is three stages in maqashid syariah. First level is dharuriyyat, that should be safe-guardes, comfort or happiness named hajiyyat level, and luxury named tahsiniyyat level. The research methodology is explanative qualitative with case study. Data was collected through interviews where the informants in this study is Puger’s FKKUBN secretary, Big boat fishermen, jukung boat fisherman, the crew, respected old fishermen, and Puger Wetan village official. The second data was collected through journals, books, BPS, vilage’s data, internet access, and other literature. The result of this study is that fishermen in Puger Wetan village are not prosperous because they are failed in fulfilling the maqashid syariah indicator at the dharuriyyat level, namely wealth. The existence of fishermen's assets is included in riba qardh because the system of accounts payable between fishermen and pengambek (investors) requires additional benefits in the accounts payable agreement. As a result of the debt agreement above, the process of market balance has never happened because the price is in the hands of pengambek, so buying and selling activities at Puger’s TPI are not auctioned and the market is not running as it should. In the future, the above asset indicators can be improved by changing the debt agreement to become a mudharabah contract. However, the solution provided by the researcher can be practiced if the pengambek is also roomy and also aware that the system has been detrimental to fishermen and is committed to improving the welfare of fishermen in Puger Wetan villageKeywords: Maqashid Syariah, Al-Syatibi, Fishermen Welfare, PengambekThe goal of the title is to find out how Puger Wetan fishermen welfare in maqashid syariah Al-Syatibi indicator. There is five indicators among them is religion, life, hereditary, mind, and wealth. Hence, there is three stages in maqashid syariah. First level is dharuriyyat, that should be safe-guardes, comfort or happiness named hajiyyat level, and luxury named tahsiniyyat level. The research methodology is explanative qualitative with case study. Data was collected through interviews where the informants in this study is Puger’s FKKUBN secretary, Big boat fishermen, jukung boat fisherman, the crew, respected old fishermen, and Puger Wetan village official. The second data was collected through journals, books, BPS, vilage’s data, internet access, and other literature. The result of this study is that fishermen in Puger Wetan village are not prosperous because they are failed in fulfilling the maqashid syariah indicator at the dharuriyyat level, namely wealth. The existence of fishermen's assets is included in riba qardh because the system of accounts payable between fishermen and pengambek (investors) requires additional benefits in the accounts payable agreement. As a result of the debt agreement above, the process of market balance has never happened because the price is in the hands of pengambek, so buying and selling activities at Puger’s TPI are not auctioned and the market is not running as it should. In the future, the above asset indicators can be improved by changing the debt agreement to become a mudharabah contract. However, the solution provided by the researcher can be practiced if the pengambek is also roomy and also aware that the system has been detrimental to fishermen and is committed to improving the welfare of fishermen in Puger Wetan villageKeywords: Maqashid Syariah, Al-Syatibi, Fishermen Welfare, Pengambek1 Jurnal ini merupakan bagian dari skripsi Fajar Kristanto, NIM: 041311433005, yang diuji pada tanggal 16 Mei 2019.I. PENDAHULUANTujuan hidup manusia adalah mencapai kesejahteraan, meskipun setiap orang memiliki definisi yang berbeda-beda mengenai kesejahteraan. Sebagian besar pakar ekonomi mendefinisikan kesejahteraan sosial adalah pemenuhan kebutuhan hidup di dunia dan segala sesuatu yang mendukungnya. Todaro (2003) menjelaskan, “Kesejahteraan masyarakat menengah ke bawah dapat direpresentasikan dari tingkat hidup masyarakat. Tingkat hidup masyarakat ditandai dengan terentaskanya REFERENCESBakri, Asafri Jaya. 1996. Konsep Maqashid Syariah Menurut Al-Syatibi. Jakarta: Raja Grafindo Persada.Kasdi. Abdurrahman. 2014. Maqasyid Syari’ah Perspektif Pemikiran Imam Syatibi dalam Kitab Al-Muwafaqat. Jurnal YUDISIA Vol 5 : 46-62.Riyadi dkk. 2015. Indikator Kesejahteraan Rakyat 2015. Jakarta : BPS-Statistics Indonesia.Ryandono, Muhamad Nafik Hadi dan Moh. Qudsi Fauzy. 2015. Pengembangan Model Fungsi Sosial Bisnis Islam Berdasarkan Maqashid Syariah pada Bank Syariah X. Jurnal Telaah Bisnis Vol 16 : 31-46.Herianingrum, Sri. 2014. Implementation of Maqashid al Sharia as a Model of Economic Development Agriculture in East Java. Jurnal Academic Star of Business and Economics. Vol 5 : 1701-1708.Ahmad, Norashikin dan Mohd Shukri Hanapi. 2018. Maqashid al-Syariah Thought in Mainstream Islamic Economics: A Review. International Journal of Academic Research in Business and Social Sciences Vol 8 : 626-636.Adiba, Elfira Maya dan Atina Shofawati. The Role of Middlemen and Fishermen Welfare in Maqashid Shariah Perspective. Jurnal Islamic Economics Science Vol 1 : 1-14.Kara, Muslimin. 2012. Pemikiran Al-Syatibi Tentang Maslahah dan Implemetasi dalam Pengembangan Ekonomi Syariah. Jurnal ASSETS Vol 2 : 173-183.Harahap, Zul Anwar Ajim. 2014.Konsep Maqasid Al-Syariah sebagai Dasar dan Penerapanya Dalam Hukum Islam Menurut ‘Izzudin Bin‘ Abd Al-Salam (W.660H). Jurnal Tazkir Vol.9 : 171-189.Muzlifah, Eva. 2013. Maqashid Syariah Sebagai Paradigma Dasar Ekonomi Islam. Jurnal Ekonomi dan Hukum Islam Vol 3 : 73-92.Pusparini, Martini Dwi. 2015. Konsep Kesejahteraan dalam Ekonomi Islam. Jurnal Ekonomi Islam Vol 1 : 45-59.Purnomo, Agus. 2015. Islam dan Konsep Welfare State dalam Ekonomi Islam. Jurnal Al-Iqtishadiyah : 99-109.Kholis, Nur. 2015. Kesejahteraan Sosial di Indonesia Perspektif Ekonomi Islam. Jurnal AKADEMIKA Vol 20 : 243-260.Widiastuti, Tika. Kesejahteraan dan Kemiskinan dalam Perspektif Islam. IR-Universitas Airlangga Surabaya : 1-54.Djalaluddin, Muhammad Mawardi. 2015. Pemikiran Abu Ishaq Al-Syatibi dalam Kitab Al-Muwafaqat. Jurnal Al-Daulah Vol 4 : 289-300.Amin, Mahir. 2014. Konsep Keadilan dalam Perspektif Filsafat Hukum Islam. Jurnal Al-Daulah Vol 4: 322-342.Ahmadi, Imam, Hariyono dan Siti malikah Thowaf. Puger: Sejarah dan Potensi Ekonomi. Makalah.Triyanti, Riesti dan Maulana Firdaus. 2016. Tingkat Kesejahteraan Nelayan Skala Kecil dengan Pendekatan Penghidupan Berkelanjutan Di Kabupaten Indramayu. Jurnal Sosek KP Vol 11 : 29-43.Djamil, Fathurrahman. 2017. Mencari Format Hukum Islam yang Progresif Berkearifan Lokal : Pendekatan Sosio-Cultural dan Maqashid Syariah. Jurnal Kordinat Vol 16 : 1-13.Gemaputri, Ariesia A. Gemaputri. 2013. Tingkat Pemanfaatan Sumber Daya Ikan Hasil Tangkapan di Perairan Jember. Jurnal Perikanan (J.Fish. Sci.) Vol 15 : 35-41.Koordinator Statistik Kecamatan Puger Kabupaten Jember. 2016. Kecamatan Puger dalam Angka 2016. Jember : Badan Pusat Statistik Kabupaten JemberKoordinator Statistik Kecamatan Puger Kabupaten Jember. 2017. Kecamatan Puger dalam Angka 2017. Jember : Badan Pusat Statistik Kabupaten JemberKoordinator Statistik Kecamatan Puger Kabupaten Jember. 2018. Kecamatan Puger dalam Angka 2018. Jember: Badan Pusat Statistik Kabupaten JemberFitriyah, Khirul dan Djoko Widodo. Karakteristik Sosial Budaya dan Ekonomi Nelayan Kecil di Wilayah Pesisir Desa Puger Wetan Kecamatan Puger Kabupaten Jember. Makalah.Mumtahiyah. 2015. Implementasi Profesi Nelayan Muslim dalam Mewujudkan Kesejahteraan Perspektif Maqashid Syariah Studi Kasus Nelayan Muslim Kabupaten Jembrana Bali. Tesis. Universitas Airlangga.https://regional.kompas.com/read/2018/11/16/12171421/umk-jatim-2019-ditetapkan-tertinggi-rp-38-juta-terendah-rp-17-juta diakses 13 April 2019, 20.29 WIB.
ANALISIS PERBANDINGAN BANK SYARIAH NON DEVISA DAN BANK SYARIAH DEVISA DITINJAU DARI KINERJA FUNGSI BISNIS DAN FUNGSI SOSIAL DENGAN METODE RGEC DAN SHARIA CONFORMITY INDIACTOR PERIODE 2011 – 20151) Zain Nahdi Baldina; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 5 No. 3 (2018): Maret-2018
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (539.623 KB) | DOI: 10.20473/vol5iss20183pp247-263

Abstract

This study aims to compare and see the differences between foreign Islamic bank and non-foreign Islamic bank using method RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital). This study examines the comparison in business and social performance of four foreign Islamic banks and six non-foreign Islamic banks. The collection of data in this study was done by collecting all the annual reports of banks that has been created as a sample over the period 2011-2015.The test result of the Independent Samples T-test and Mann Whitney Test showed there was no differences in the business performance of foreign Islamic banks exchange with Non-foreign Islamic Bank exchange as seen from the aspect of Risk profile (FDR), GCG, and Earnings (ROA). While there were differences of business and social performance as seen from Earnings (ROE), capital (CAR), and Sharia Conformity Indicator (PSR and ZR) aspects  REFERENCESAnshori, Musclich dan Sri Iswati. 2009. Buku Ajar Metodologi Penelitian Kuantitatif. Surabaya: Pusat Penerbitan dan Percetakan UNAIR (AUP)Antonio, M.Syafi’i. 2001. Bank Syariah, Dari Teori Ke Praktika. Jakarta: Tazkia CendekiaAntonio, M.Syafi’i. 2006. Bank Syariah, Dari Teori Ke Praktika. Jakarta: Gema InsaniEl-Ashker, Ahmed Abdel Fattah. The Islamic Business Enterprise. Taylor & Francis, 1987.Fadli, M. Muhibbin. 2012. Analisis Perbandingan Kinerja Keuangan Bank Syariah Devisa dengan Bank Syariah non Devisa dengan Metode CAMEL dan Shariah Conformity Indicator Periode 2009-2010. Jurnal Manajemen Teori dan Terapan 5.Febriyani, Anita & Rahadian Zulfadian. 2003. Analisis Kinerja Bank Devisa dan Bank Non Devisa DI Indonesia. Kajian Ekonomi dan Keuangan, 7(4): 38-Muhammad, 2005. Manajemen Dana Bank Syariah. Yogyakarta: UPP UPP AMP YKPNMuhammad. 2011. Manajemen Bank Syariah. Yogyakarta: UPP STIM YKPN.Otoritas Jasa Keuangan. 2016. Laporan Keuangan Publikasi Bank. (Online) (http://www.ojk.go.id, diakses 21 November 2016)Republik Indonesia. Undang-Undang  Republik Indonesia No.21 Tahun 2008 Tentang Perbankan Syariah. 2008. JakartaRepublik Indonesia. Pernyataan Standar Akuntansi Keuangan (PSAK) No.59 tentang Akuntansi Perbankan Syariah. 2007.  JakartaSoemitra, Andri, 2009, Bank dan Lembaga Keuangan Syari’ah, Jakarta : Kencana. Sudarsono, Heri. 2004. Bank Dan Lembaga Keuangan Syariah. Yogyakarta: EkonisiaSurat Edaran Bank Indonesia Nomor 13/24/DPNP, 25 Oktober 2011 Tentang Penilaian Tingkat Kesehatan Bank Umum. Jakarta. 2011 Hilman, Hakiem. 2007. Musyarakah, Mudharabah, Dan Pertumbuhan Sektor Riil. Makalah disajikan dalam Kajian Rutin Ekonomi Syariah oleh CommitteeOf Discussion Of Islamic Economics (CDIE) UIKA.Bogor. Choir. 2010. Arah Perbankan Syariah. : PascaAPI. Zonaekis.Com(http://zonaekis.com/arah-perbankan-syariah-pasca-api/,diakses 12 Februari 2012) Setiawan, Azis Budi. 2009. Kesehatan Finansial dan Kinerja Sosial Bank Syariah di Indonesia. Seminar Ilmiah Kerjasama Magister Bisnis Keuangan Islam. Jakarta: Universitas Paramadina. Setyaningsih, Nungky Ratna. 2014. Pengaruh Tingkat Kesehatan Bank Terhadap Perubahan Laba. Malang: Fakultas Ekonomi dan Bisnis Universitas Brawijaya.Taswan. 2010. Manajemen Perbankan Konsep, Teknik, dan Aplikasi. Yogyakarta : UPP STIM YKPN Margaretha, Farah. 2009. Manajemen Keuangan Bagi Industri Jasa. Jakarta: Grasindo.Kasmir, 2004. Bank dan Lembaga Keuangan Lainnya. Jakarta : PT. Raja Grafindo Persada.
penerapan syirkah melalui akad Musyarakah basmalah Sidogiri Pasuruan Amirul Taufiqulhakim; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 10 (2019): Oktober-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss201910pp2143-2157

Abstract

The purpose of this study was to find out the process of applying the Musyarakah contract carried out by Basmalah Sidogiri in Pasuruan with its partners in opening new branches and investing as new members. This study uses qualitative methods using explanative case study methods. Primary data collection is conducted by interviews and direct observation to informants, they are Head of Marketing Division, Head of Finance Division, Basmalah Partners in Surabaya, and Investors. Secondary data collections are from journals, books, BPS, Web of Basmalah, and other literature.Keywords: Musyarakah Contract, Basmalah, Sidogiri
FAKTOR MINAT BERDONASI PADA LEMBAGA AMIL ZAKAT SAHABAT MUSTAHIQ Ricky Nuari; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 11 (2019): November-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss201911pp2272-2282

Abstract

The lack of information in understanding the factors of donors' interest in donating to charitable institutions is the reason for the lack of optimization of the collection of donations. This study aims to determine the effect of age, income, education, generosity, financial security and religiosity on the interest in donating to LAZ Sahabat Mustahiq. This study uses a quantitative approach with multiple linear regression analysis methods and data collection by distributing questionnaires to 107 permanent donors, Friends of Mustahiq. The results of this study showed that the independent variables partially showed that interest donors donated at LAZ Sahabat Mustahiq were influenced by religiosity. That is because the majority of the population of Muslim Indonesia adheres to their religion. Factors of age, income, education, financial security, and generosity partially have no effect on interest in donating. While simultaneously all independent variables influence interest in donating.Keywords: Donation, Interest, Factors, Multiple Linear Regression.
SOLUSI PEMBIAYAAN UMKM DENGAN PEER TO PEER LENDING SYARIAH (STUDY KASUS PADA PT. AMMANA FINTEK SYARIAH) Rahadian Firdaus; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 8 (2019): Agustus-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20198pp1660-1673

Abstract

This study aims to determine the application of the concept of Sharia in fintech lending company as an alternative financing of MSMEs in Indonesia by using the principle of Islamic learning stated by Prof. Faturrahman Djamil (2001:249) and quoted by Mardani (2012:91). There are 7 principles of intent in Islam including: The Illahiah Principle, the Principle of Freedom, the Principle of Equality or Equality, the Principle of Justice, the Principle of Compliance, the Principle of Honesty and Truth, and the Written Principle. This study is using the Analytic Network Process (ANP) method which aims to find out the dominant variables in the application of the concept of Shariah peer to peerlending at PT. Ammana Fintek Sharia. The result of this study indicate that three of the seven criterias are namely the Illahiah Principle (23.47%), the Principle of Honesty and Truth (21.44%), the last being the Principle of Compliance (19.44%).Keywords: The Principle of Islamic, Peer to peerLending, MSMEs, Analytic Network ProcessREFFERENCESAli, Zainuddin. 2008. Hukum Ekonomi Syariah. Jakarta: Sinar Grafika.Arner, D.W. 2016. 150 Years of Fintech: An Evolutionary Analysis, JASSA The Fin sia Journal of Applied Finance, Issue: 3, 22-29.Arner, D.W., Barberis, J. dan Buckley, R.P. 2015. The evolution of FinTech: a new post-crisis paradigm?.(No. 2015/047).Ascarya. 2007. Akad dan Produk Bank Syariah. Jakarta: PT RajaGrafindo Persada.Beik, Irfan Syauqi dan Laily Dwi Arsyianti. 2016. Ekonomi Pembangunan Syariah. Jakarta: PT RajaGrafindo Persada.Stern, Caroline, Mikko Makinen dan Zongxin Qian. 2017. FinTechs in China – with a special focus on peer to peer lending, Journal of Chinese Economic and Foreign Trade Studies, Vol. 10 No. 3, pp. 215-228.Dewi, Gemala dkk. 2005. Hukum Perikatan Islam di Indonesia. Jakarta: Kencana.Evers, M. 2012. Main Drivers of Crowd Funding Success: A Conceptual Framework and Empirical Analysis. Master Thesis. Rotterdam School of Management, Erasmus University.Fajar, Mukti. 2016. UMKM di Indonesia Perspektif Hukum Ekonomi. Yogyakarta: Pustaka Pelajar.Haroen, Nasrun. 2007. Fiqh Muamalah. Jakarta: Gaya Media Pratama.Kim, K. 2013. The Experts in the Crowd: The Role of Reputable Investors in a Crowd funding Market.ZEW SEEK Workshop on Social Network Formation and Peer Effects.Mardani. 2012. Fiqh Ekonomi Syariah. Jakarta: Kencana.Milne, Alistair dan Paul Parboteeah. 2016. The Business Models and Economics of Peer-to-Peer Lending. Belgium: European Credit Research Institute.Munawir, A.W. 1984. Kamus  al-Munawir. Yogyakarta: Pondok Pesantren al Munawir.PwC Indonesia. 2019. Indonesia’s Fintech Lending: Driving Economic Growth Through Financial Inclusion.Qardhawi, Yusuf. 1977. Peran Nilai dan Moral dalam Perekonomian Islam. Jakarta: Robbani Press.Rizal, Muhamad dkk. 2018. Fintech As One Of The Financing Solutions For SMEs. Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, Vol.3, No. 2, hal.89-100.Saaty dan Vargas. 2006. Decision Making with The Analytic Network Process Economic, Political, Social and Technological Applications with Benefits, Opportunities, Cost And Risk. New York: Springer Science+Business MediaWahjono, Sentot Imam dkk. (2016). Critical Analysis of Crowdfunding to Finance SMEs in Muslim Countries, Journal Balance, Vol. XIII No. 1.
THE DEVELOPMENT OF DIGITAL FINANCIAL SERVICES IN NON-BANK FINANCIAL INSTITUTIONS (CASE STUDY OF COOPERATIVE OF PONDOK PESANTREN SUNAN DRAJAT LAMONGAN) Bella Suci Nur; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 3 (2020): Maret-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20203pp532-543

Abstract

The growing digital circulation in the bank and non-bank financial institutions has triggered the emergence of new competitors and changes in new market segmentation. This requires the Pondok Pesantren Cooperative to innovate and think to survive in the digital era as it is today. This study aims to see how the strategy of developing digital financial services in the Pondok Pesantren cooperative using the case study BMT Sunan Drajat Lamongan. This research uses a qualitative approach with a case study method. This research uses snowball sampling. Data collection techniques using direct interviews, documentation and observation. After data collection, the results of the study were analyzed using domain analysis to get conclusions. The results showed that one of the BMT Sunan Drajat's strategy in developing digital financial services in the digital age is by creating a number of digital innovations. Even though the application has not been implemented perfectly, the application has a positive influence on society.Keyword: digital financial services, digital finance, Pondok pesantren cooperative, strategy, non-bank financial institutionsREFFERENCE Al-QuranBower, J.L, dan Christensen, C.M. (1995). Disruptive technologies catching the wave. Harvard Business Review. 73(1), 43-53.Christensen, C.M. (1997). The Innovator’s dilemma: The revolutionary book that will change the way you do bussiness. New York: Boston Harvard business school Press.Christensen, C.M, dan Raynor, M.E. (2006). Solusi sang innovator. Jakarta: Serambi.Kasali, Rhenald. (2017). Disruption. Jakarta: Gramedia.Kasali. (2017). Meluruskan pemahaman soal disruption. Retrieved from www.kompas.comhttps://id.techninasia.com/jumlah-pengguna-smartphone-di-indonesia-2018Bank Indonesia. (2017). Survei Perbankan Triwulan IV-2016: Pertumbuhan kredit tahun 2017 diperkirakan meningkat. Diakses pada tanggal 16 Mei 2017 dari http://www.bi.go.idIriansyah, Fadli Yanuar. (2016). Investree mempertemukan peminjam dengan pemberi pinjaman secara online. Diakses pada tanggal 16 Mei 2017 dari http://www.techinasia.com/. Pratama, aditya hadi. (2017). Kumpulan startup fintech di Indonesia. Diakses pada tanggal 16 Mei 2017 dari http://www.techinasia.com/. Investree. (2016). Investree. Diakses pada tanggal 16 Mei 2017 dari http://Investree.id/. Majalah Peluang. (2017). Urgensi digitalisasi untuk koperasi. Fokus. Diakses pada tanggal 16 Mei 2017 dari http://www.majalahpeluang.com/. Bungin, Burhan. (2007). Penelitian kualitatif. komunikasi, ekonomi, kebijakan publik dan sosial lainnya. Jakarta: Putra Grafika.Hamidi Yusuf. (2008). Metode penelitian kualitatif. Malang: Universitas Muhammadiyah Malang Press.Moleong, Lexy J. (2009). Metode penelitian kualitatif. Bandung: PT. remaja Rosdakarya.Noor, Juliansyah. (2011). Metodologi penelitian: Skripsi, tesis, disertasi, dan karya ilmiah. Jakarta: Kencana.Yin, Robert K. (2015). Studi kasus design & metode. Jakarta: Raja Grafindo Persada.Nadzir, Moh. (2003). Metode penelitian. Jakarta: Ghalia Indonesia.Sugiyono. (2012). Metode penelitian kuantitatif, kualitatif dan R&D. Bandung: Alfabeta.Nurdiani, Nina. (2014). Teknik sampling snowball dalam penelitian lapangan. Comtech, 5(2), 1110-1118.Varian Danastya. (2018). Strategi lembaga amil zakat dalam menghadapi era disruptive innovation (studi kasus lembaga amil zakat al-azhar dan lembaga amil zakat inisiatif zakat Indonesia). Skripsi tidak diterbitkan. Surabaya: Fakultas Ekonomi dan Bisnis Universitas Airlangga.Marginingsih Ratnawaty. (2019). Analisis SWOT technology financial (Fintech) terhadap industri perbankan. Cakrawala, 19(1), 55-60.Pramuka Agus Bambang, Siti Maghfiroh dan Sugiarto. (2017). Literasi keuangan pengelola koperasi pondok pesantren di kabupaten Banyumas. Materi Presentasi pada tanggal 17-18 November.Dipojono K. Hermawan. (2004). Perkembangan IPTEK dan Perspektif Al-Quran. Mimbar, 20(1), 1-6.
THE DIGITALIZATION OF MANDIRI SYARIAH BANK IN THE MIDDLE OF COMPETITION AND TECHNOLOGY CHANGE Siti Bunga Fatimah; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 4 (2020): April-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20204pp795-813

Abstract

This study aims to analyze the BSM perspective on the phenomenon of the digital banking system in the midst of competition and technological change with the unit of analysis, namely benefits, effects, constraints, and strategies. The approach used is a qualitative approach using a single case study descriptive research method. Data collection through semi-structured interviews with informants representing BSM to describe the BSM perspective on digital banking system phenomena that occur there. In addition to BSM, researchers also interviewed other banks to increase the researchers' reports. The results of perspective research in each unit of analysis indicate that BSM behavior is less aggressive in the application of the digital banking system so as to produce a lower market reach that can reduce their competitiveness. The limitation of this research is that the researchers collected data through branch offices in Surabaya and Sidoarjo so that the data might not be able to represent other regions. However, the informant said that the implementation of the digital banking system at BSM was controlled directly by the head office, so that the management perspective at one branch office would be the same as the other branch offices.Keywords: digital banking system, Bank Syariah Mandiri (BSM), technology, digital economic society, disruptionREFFERENCE Asosiasi Penyelenggara Jasa Internet Indonesia. (2016-2019). Buletin APJII. Jakarta: APJII.ATKearney. (2014). Going digital: The banking transformation road map. Retrieved from Kearney: www.atkearney.comBadan Pusat Statistik. (2013). Proyeksi penduduk Indonesia 2010 - 2030. Jakarta: Badan Pusat Statistik.Bank Indonesia. (2010 - 2019). Islamic banking statistics. Jakarta: Bank Indonesia.Bank Syariah Mandiri. (2013). Annual report 2013 stronger fundamentals for greater Indonesia. Jakarta: PT Bank Syariah Mandiri.Bank Syariah Mandiri. (2015). Annual report 2015 semangat perubahan untuk menang. Jakarta: PT Bank Syariah Mandiri.Bank Syariah Mandiri. (2016). Annual report 2016 tumbuh berkualitas. Jakarta: PT Bank Syariah Mandiri.Bank Syariah Mandiri. (2017). Annual report 2017 tumbuh sehat berkelanjutan, mengalirkan berkah untuk negeri. Jakarta: PT Bank Syariah Mandiri.Bank Syariah Mandiri.(2018). Memperkuat daya saing melalui peningkatan keunggulan perusahaan. Jakarta: Bank Syariah Mandiri.DSN MUI. (2018, 2). Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No:117/Dsn-Mui/Ii/2018. Retrieved From Dewan Syariah Nasional. Majelis Ulama Indonesia: http://www.dsnmui.or.idJaya, I. A. (2017). Branchless banking. Jakarta: PT Mizan Publika.King, B. (2014). Breaking bank: The innovators, rogues, and strategists rebooting banking. New Jersey: Wiley.Lembaga Penjamin Simpanan. (2012 - 2019). Distribusi simpanan bank umum. Jakarta: Lembaga Penjamin Simpanan.Malaysia: World’s Islamic Finance Marketplace. (2015). Islamic Banking. Technology and Innovation in Islamic Banking.Mckinsey & Company. (2015). Digital banking in Asia. What do consumers really want?. Australia:  Mckinsey & Company.Mckinsey & Company. (2016). Unlocking Indonesia’s digital opportunity. Australia:  Mckinsey & Company.Mckinsey & Company. (2018). Digital Banking. Islamic Banking in Indonesia. Australia:  Mckinsey & Company.Mckinsey&Company. (2018). Global Digital. Asia’s digital banking Race: Giving customers what they want.Mckinsey & Company. (2019). Global Banking. Digital banking in Indonesia: Building loyalty and generating growth. Australia:  Mckinsey & Company.OJK. (2017). Siaran pers: OJK isu panduan kantor digital, menuju perbankan digital di Indonesia. Retrieved from Otoritas Jasa Keuangan: www. ojk.go.idOJK. (2018). Digital banking technology adoption and bank efficiency: The Indonesian Case. Jakarta: Otoritas Jasa Keuangan.Otoritas Jasa Keuangan. (2014). Peraturan Otoritas Jasa Keuangan Nomor 19/POJK.13/2014 tentang layanan keuangan tanpa kantor dalam rangka keuangan inklusif. Retrieved from Otoritas Jasa Keuangan: http://www.ojk.go.idOtoritas Jasa Keuangan. (2017). Maintaining stability, increasing prosperity. Jakarta: Otoritas Jasa Keuangan.Otoritas Jasa Keuangan. (2018). Edukasi konsumen. Digital banking: nyaman dan aman harus beriringan. Jakarta: Otoritas Jasa Keuangan.Otoritas Jasa Keuangan. (2018). Peraturan Otoritas Jasa Keuangan Nomor 12 /POJK.03/2018 tentang penyelenggaraan layanan perbankan digital oleh bank umum. Retrieved from Otoritas Jasa Keuangan: http//www.ojk.go.idPerbanas. (2016). Probank: Membangun perbankan profesional. Keniscayan perbankan digital. Jakarta: Perbanas.PricewaterhouseCoopers. (2018). Digital Banking Consumer Survey. Mobile users set the agenda. USA: PricewaterhouseCoopers.PricewaterhouseCoopers. (2018). Indonesia Banking Survey. Technology shift in Indonesia is underway. Jakarta: PricewaterhouseCoopers.PricewaterhouseCoopers. (2018). State of digital. Digital transformation health check.PricewaterhouseCoopers Indonesia. (2018). PwC survey: Digital banking in Indonesia 2018. Jakarta: PricewaterhouseCoopers.Skinner, C. (2014). Digital banking strategies to launch or become a digital bank. Singapore: Marshall Cavendish Internasional (Asia) Pte Ltd.Tamrin, D. (2010). Kaidah-kaidah hukum Islam (kulliyah al-khamsah). Jakarta: UIN MALIKI PRESS.Yin, R. K. (2015). Case study research: Design and methods. California: SAGE Publications, Inc.
MOBILE ZAKAT EMPOWERMENT IN ZAKAT COLLECTION Rendy Pambajeng Syahputra; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 8 (2020): Agustus-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20208pp1598-1606

Abstract

The utilization of mobile zakat-based technology on smartphones has been developed through the Zakat Kita application by Nurul Hayat. This research is a case study method. The results of the study indicate that the utilization of mobile zakat is conducted by using Zakat Kita in the process of collecting ZIS funds is still not optimal. The renewal of the system from the application itself is in the development stage; the lack of the maximum application marketing process carried out also causes the collection process through the application is still not optimal. The results of the study also showed that although the collection results through applications showed an increase, the number of users of the application did not show a significant improvement. Utilization of our zakat application has met the empowerment indicators set by the Puskas BAZNAS by fulfilling social, cultural, economic, propaganda and environmental indexes.Keywords: Utilization, Zakat Mobile, Technology, Zakat
Konsep Kesejahteraan Perspektif Ashabiyah Ibnu Khaldun Dalam Wisata Religi Tebuireng Fadlulloh Fakhrudin Arfaq; Achsania Hendratmi; Dwi Swasana Ramadhan
At-Taqaddum Vol 12, No 1 (2020)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v12i1.5342

Abstract

The concept of welfare has developed significantly, but its implementation has not been optimal. One of the concepts of welfare proposed by Ibn Khaldun about circle of equity and the concept of ashabiyah can be a reference. This article aims to analyze the concept of the welfare of Ibn Khaldun's Ashabiyah perspective by taking samples of community research around Tebuireng religious tourism. This research article uses a qualitative approach to the type of case study research. Data collection techniques using direct interviews, documentation and observation. The results of the analysis show that religious tourism in Tebuireng is beneficial to the communities around and within the religious tourism area and the focus of management on religious tourism is the community with synergies between community groups that need to be improved.
Co-Authors Achmad Room Fitrianto Ahmad Asy’fin Basthomi Ahmad Fadlur Rahman Bayuny Allen Anandika Rizky Pratama Amirul Taufiqulhakim Andre Kurniawan Arfaq, Fadlulloh Fakhrudin Bahana Wiharjo Baldina, Zain Nahdi Bella Suci Nur Deri Rachmat Rizki Dewi Nuraini, Dewi Didit Prakoso Dwi Swasana Ramadhan Fachreza Eka Kurnia Fadlulloh Fakhrudin Arfaq Fajar Kristanto Fauziyah Putri Fitriani Fitriani Hikmah, Lailatul Irham Zaki Izzani Ulfi Kholison, Rohmatul Farohah Linda Dewi Martiasari Madyan, Muhammad Mahmudah, Siti Nur Mahmudah, Siti Nur Moh. Helmy Najih Ramadhan Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Nur Miftakhul Ivanda Muhammad Wasiqul Firdaus Askarullah Muhammad Wasiqul Firdaus Askarullah Nadya Irmania Nafik Hadi Ryandono, Muhamad Pertiwi, Tanza Dona Puji Sucia Sukmaningrum Qori Naufallita Rahadian Firdaus Ramadhan, Dwi Swasana Rani, Lina Nugraha Rendy Pambajeng Syahputra Ricky Nuari Ririn Tri Ratnasari Rizal Bagus Pambudi Saiful Anam Samsul Arifin Siti Bunga Fatimah Siti Nur Mahmudah Siti Zulaikha Sukmaningrum, Puji Syahrul Mubarrok, Ujang Tika Widiastuti Tjiptohadi Sawarjuwono Uci Wulansari Ulfi, Izzani Wahab, Abd. Wijayanti, Ida Zain Nahdi Baldina Zain Nahdi Baldina Zera Zuryana Idris