Claim Missing Document
Check
Articles

Faktor-faktor Yang Mempengaruhi Perkembangan Produk Pembiayaan Pada Bank Pembiayaan Rakyat Syariah di Jawa Timur Wenni, Atika Novirda; Canggih, Clarashinta
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.14503

Abstract

Penelitian ini bertujuan untuk menganalisis dampak DPK, NPF, FDR, ROA, Inflasi dan BI Rate terhadap jumlah pembiayaan yang disalurkan oleh BPR Syariah di Wilayah Jawa Timur di bawah Kantor Regional 4 OJK Jawa Timur pada 2014-2018. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan regresi berganda data panel. Hasil penelitian menunjukkan bahwa ROA, Inflasi dan BI Rate secara parsial tidak berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS, sedangkan DPK, NPF, dan FDR berpengaruh terhadap total pembiayaan oleh BPRS. Lebih lanjut, dana pihak ketiga, NPF, FDR, ROA, inflasi dan BI Rate secara simultan berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS. Prosentase Adjusted R Square sebesar 99,05%, 99,05% dari jumlah pembiayaan yang disalurkan oleh BPRS dipengaruhi oleh DPK, NPF, FDR, ROA, inflasi dan BI Rate sedangkan sisanya 0,95% dipengaruhi oleh variabel lain.
POTENSI DAN REALISASI DANA ZAKAT INDONESIA Canggih, Clarashinta; Fikriyah, Khusnul; Yasin, Ach.
al-Uqud : Journal of Islamic Economics Vol 1, No 1 (2017): Januari
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (378.942 KB) | DOI: 10.26740/al-uqud.v1n1.p14-26

Abstract

This paper aims to find out illustration and estimation of zakat potency as well as the amount of zakat collection in Indonesia. Furthermore, it aims to outline the diversity between potency and realization of zakat. It used quantitative descriptive approach through secondary data collection from several sources. The result shows both potency and realization of zakat collection in Indonesia were increasing during 2011-2015. However, the amount of zakat potency surpasses the amount of zakat realization with wide gap.It shows that the average amount of zakat collection on 2011-2015 is less than 1% compare to its potency. One of the possible reason is most of Indonesian prefer to distribute their zakat directly to the muzakki, hence it is unrecorded.
Pengaruh Penggunaan Pembayaran Shopeepay Later Terhadap Perilaku Konsumsi Islam Generasi Milenial Di Surabaya Farah Dilla Wanda Damayanti; Clarashinta Canggih
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (183.87 KB) | DOI: 10.29040/jiei.v7i3.2872

Abstract

The study aimed to reveal the impact of Shopeepay Later on the Islamic consumption behavior of the millennial generation in Surabaya. The variables independent were convenience, trust, and lifestyle with variable dependent were Islamic consumption behavior. The Islamic consumption behavior measured by three basic principles of Islamic consumption. The research method used quantitative. Research samples calculated using the formula of Lemeshow with the calculation results of 100 respondents. The primary data collected using a questionnaire linkert scales. The data were analyzed by multiple regression analysis using the T test and F test and coefficient of determination test using the SPSS 24.0. the result showed that the convenience and trust have a positive impact on Islamic consumption behavior, in contrast lifestyle has a negative impact on Islamic consumption behavior.
Pengaruh Electronic Money, Gaya Hidup Dan Pengendalian Diri Terhadap Perilaku Konsumsi Islam Maulidysneni Nurvita Sukma; Clarashinta Canggih
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (312.306 KB) | DOI: 10.29040/jiei.v7i1.1570

Abstract

This study was aimed to reveal the impact of electronic money, lifestyle and self control towards Islamic consumption behaviour pattern of Y and Z generation in Surabaya. The behaviour pattern of Islamic consumption was measured by 6 basic principles of consumption in Islam. Descriptive quantitative was applied as the research method. This study took 150 respondents as the research sample by using the formula of Malhotra. The data was collected by using questionnaire along with purposive sampling method and guttman scales. Then, probit regression analysis using the application of Stata 14 was occupied as the data analysis. It was resulted that the variable of electronic money had a marginal effect value of -9,5% so that the probability was not correspond to the Islamic consumption behaviour pattern whereas the variable of life style had a value of -9% which meant that the probability was not correspond to Islamic consumption behaviour pattern and the variable of self control indicated a value of 17% so that the probability matched with Islamic consumption behaviour pattern
THE EFFECT OF PRODUCT QUALITY, BRAND IMAGE, AND HALAL LABEL ON CONSUMER SATISFACTION CITRA BODY LOTION PRODUCTS (CASE STUDY OF SURABAYA UNIVERSITY STUDENT) Rizkiyah Rokhmatul Laili; Clarashinta Canggih
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 6 (2021): November-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20216pp743-756

Abstract

ABSTRAKPenelitian ini mengkaji tentang pengaruh kualitas produk, citra merek dan label halal terhadap kepuasan konsumen pada produk body lotion Citra pada Mahasiswa di Kota Surabaya. Metode penelitian yang digunakan yaitu penelitian kuantitatif dengan teknik analisis regresi linear berganda. Penelitian ini menggunakan teknik sampling purposive serta data primer yang berasal dari kuesioner yang disebar pada kriteria responden dalam penelitian. Hasil dari penelitian menyatakan bahwa kualitas produk dan label halal berpengaruh positif terhadap kepuasan konsumen. Citra merek berpengaruh negatif terhadap kepuasan konsumen. Hasil tersebut menunjukkan bahwa Mahasiswa di Kota Surabaya menjadikan aspek kualitas produk dan label halal sebagai penentu kepuasan konsumen dalam penggunaan body lotion Citra. Sedangkan aspek citra merek meliputi penilaian masyarakat terkait merek produk dan perusahaan yang memproduksi tidak menjadi bagian dari penentu kepuasan konsumen.Kata Kunci: Kualitas Produk, Citra Merek, Label Halal, Kepuasan Konsumen. ABSTRACTThis research examined product quality, brand image and halal labels on consumer satisfaction Citra body lotion products for college students in Surabaya. The research method used quantitative research with multiple linear regression analysis techniques. This research use sampling purposive techniques and primary data from a questionnaire distributed to respondents’ criteria. The result showed that product quality and the halal label have a positive effect on consumer satisfaction. The brand image has a negative effect on consumer satisfaction. The result showed that college students in Surabaya make the quality product and halal label a determining consumer satisfaction in using Citra body lotion products. While the brand image involves the public assessment of product brands and companies that produce them are not part of determining consumer satisfaction.Keywords: Product Quality, Brand Image, Halal Label, Consumer Satisfaction. DAFTAR PUSTAKAAlfian, I., & Marpaung, M. (2017). Analisis pengaruh label halal, brand dan harga terhadap keputusan pembelian di kota Medan. Jurnal At-Tawassuth, 2, 122–145.Anggraini, N. P., & Suryoko, S. (2018). Pengaruh labelisasi halal, harga dan kualitas produk terhadap loyalitas pelanggan melalui kepuasan pelanggan (Studi pada konsumen kosmetik sariayu di kota Semarang). Jurnal Ilmu Administrasi Bisnis, 7, 359–356.Annam, A. (2016). Hakikat ekonomi Islam tentang kelangkaan sumber daya ekonomi dan kebutuhan manusia (Era globalisasi dan industrialisasi). Al-Masharif : Jurnal Ilmu Ekonomi Dan Keislaman, 4, 127–144. DOI: https://doi.org/10.24952/masharif.v4i1.764Asaf, A. S. (2020). Upaya pemenuhan kebutuhan dasar manusia. Jurnal Cakrawarti, 2, 26–31.Bahar, A., & Sjaharuddin, H. (2015). Pengaruh kualitas produk dan kualitas pelayanan terhadap kepuasan konsumen dan minat beli ulang. Jurnal Organisasi Dan Manajemen, 3, 14–34.Bulan, T. P. L., Khairul, F., & Rizal, M. (2017). Pengaruh label halal dan bonus dalam kemasan terhadap keputusan pembelian pada produk kinder joy pada masyarakat kota Langsa. Jurnal Manajemen Dan Keuangan, 6, 729–739. DOI: 10.5281/zenodo.1320512Cahyani, F. G., & Sitohang, S. (2016). Pengaruh kualitas produk, kualitas pelayanan dan harga terhadap kepuasan konsumen. Jurnal Ilmu Dan Riset Manajemen, 5, 1–19.Dimyati, M. (2004). Perilaku konsumen. Jember: Universitas Jember.DPR RI. (2014). Undang - Undang Jaminan Produk Halal.Faizal, H., & Nurjanah, S. (2019). Pengaruh persepsi kualitas dan citra merek terhadap loyalitas pelanggan dimediasi kepercayaan dan kepuasan pelanggan. Jurnal Riset Manajemen Dan Bisnis, 4(2), 307–316.Ferrinadewi, E. (2008). Merek & psikologi konsumen implikasi pada strategi pemasaran. Surabaya: Graha Ilmu.Haryono, N., & Octavia, R. (2014). Analisis pengaruh citra merek dan mutu layanan terhadap kepuasan konsumen serta dampaknya terhadap loyalitas konsumen. Jurnal INDEPT, 4(20), 20–27.Hasibuan, H. A., Nasution, M. D. T., & Anggraini, F. (2017). The effect of halal label, halal awareness, and brand image on consumer intention to buy. International Journal for Innovative Research in Multidisciplinary, 3, 140–147.Izzuddin, A. (2018). Pengaruh label halal, kesadaran halal dan bahan makanan terhadap minat beli makanan kuliner. Jurnal Penelitian Ipteks, 3(2), 100–114.Jauzi, I., & Prasetyo, A. (2021). Analisa dampak kepuasan pelanggan dalam hubungan antara orientasi pelayanan dan kualitas pelayanan terhadap loyalitas pelanggan salon muslimah. Jurnal Ekonomi Syariah Teori dan Terapan, 8(3), 297–304. http://dx.doi.org/10.20473/vol8iss20213pp297-304Kotler, P. (2002). Manajemen pemasaran. Jakarta: PT. Prenhallindo.Kotler, P. (2017). Manajemen pemasaran, analisis, perencanaan, implementasi dan kontrol. Jakarta: PT. Prenhallindo.Kotler, P., & Amstrong, G. (2001). Prinsip - prinsip pemasaran. Jakarta: Erlangga.Kurniawati, D., Suharyono, & Kusumawati, A. (2014). Pengaruh citra merek dan kualitas produk terhadap kepuasan dan loyalitas pelanggan (Studi pada pelanggan KFC Cabang Kawi Malang). Jurnal Administrasi Bisnis, 14(2), 1–9.Lasander, C. (2013). Citra merek, kualitas produk, dan promosi pengaruhnya terhadap kepuasan konsumen pada makanan tradisional. Jurnal EMBA, 1(3), 284–293. DOI: https://doi.org/10.35794/emba.1.3.2013.2024Leonard, A., Sutomo, M., & Farid. (2018). Pengaruh pengalaman merek dan citra merek terhadap kepuasan mahasiswa fakultas ekonomi universitas tadulako menggunakan beauty balm (BB) cream wardah. Jurnal Ilmu Manajemen, 4(2), 185–190. DOI: https://doi.org/10.22487/jimut.v4i2.119Lesmana, R., & Ratnasari. (2019). Pengaruh kualitas produk dan kualitas pelayanan terhadap kepuasan konsumen PT. Radekatama Piranti Nusa. Jurnal Pemasaran Kompetitif, 2(2), 115–129. DOI: http://dx.doi.org/10.32493/jpkpk.v2i2.2464Liputan 6. (2021). Sensus 2020 : Milenial dan gen Z dominasi proporsi penduduk di Jatim. Diakses dari https://m.liputan6.com/surabaya/read/4464935/sensus-2020-milenial-dan-gen-z-dominasi-proporsi-penduduk-di-jatimLores, L., & Siregar, R. (2019). Biaya kualitas, produktivitas dan kualitas produk: Sebuah kajian literatur. Jurnal Akuntansi Dan Bisnis, 5(2), 94–101.Nugroho J, S. (2007). Perilaku konsumen: Konsep dan implikasi untuk strategi dan penelitian pemasaran. Jakarta: Kencana Prenada Media.Putra, I. R. (2019). 15.000 pengunjung ditarget hadiri pameran kecantikan terbesar di Indonesia. Diakses dari https://m.merdeka.com/uang/15000-pengunjung-ditarget-hadiri-pameran-kecantikan-terbesar-di-indonesia.htmlRouters, T. (2018). Global Islamic Economy Report. Manama: Bahrain.Sada, H. J. (2017). Kebutuhan dasar manusia dalam perspektif pendidikan Islam. At-Tadzkiyyah: Jurnal Pendidikan Islam, 8(2), 213–226.Sari, A. F. K., & Junaidi. (2020). Fenomena label halal is it a awareness or branding. Jurnal Ilmiah Ekonomi Islam, 6(1), 87–94. DOI:10.29040/jiei.v6i1.915Savitri, I. A. P. D., & Wardana, I. M. (2018). Pengaruh citra merek, kualitas produk dan persepsi harga terhadap kepuasan dan niat beli ulang. E-Jurnal Manajemen Unud, 7(10), 5748–5782. DOI: https://doi.org/10.24843/EJMUNUD.2018.v07.i10.p19Sigit, K. N., & Soliha, E. (2017). Kualitas produk dan kualitas layanan terhadap kepuasan dan loyalitas nasabah. Jurnal Keuangan Dan Perbankan, 21(1), 157–168. DOI: https://doi.org/10.26905/jkdp.v21i1.1236Sondakh, C. (2014). Kualitas layanan, citra merek dan pengaruhnya terhadap kepuasan nasabah dan loyalitas nasabah tabungan (Studi pada nasabah taplus BNI cabang Manado). Jurnal Riset Bisnis Dan Manajemen, 3, 319 - 32.Sopiyan, P. (2020). Pengaruh iklan dan citra merek terhadap kepuasan konsumen (Studi pada konsumen sepeda motor Honda PT. Helmi Hendra Motor Maja Majalengka). Jurnal Bisnis Manajemen Dan Kewirausahaan, 1(2), 133–146. DOI: https://doi.org/10.31949/entrepreneur.v1i2.888Sunyoto, D. (2013). Dasar - dasar Manajemen Pemasaran. Jakarta: CAPS Publishing.Supranto, J. (2006). Pengukuran tingkat kepuasan pelanggan: Untuk menaikkan pangsa pasar. Jakarta: Rineka Cipta.Sutisna, & Pawitra, T. (2001). Perilaku konsumen dan komunikasi pemasaran. Bandung: PT. Remaja Rosdakarya.Tjiptono, F. (2003). Total quality management. Yogyakarta: Andi.Top Brand Awards. (2021). Top brand index. Diakses dari https://www.topbrand-award.com/top-brand-index/Umami, I. M. (2020). 3 klinik kecantikan berikut ramah kantong buat mahasiswa seperti kamu. Beautynesia. Diakses dari https://www.beautynesia.id/berita-skincare/3-klinik-kecantikan-berikut-ramah-kantong-buat-mahasiswa-seperti-kamu/b-177213Wijayanto. (2020). Gaya hidup milenial dingkrak industri kosmetik. Radar Surabaya. Diakses dari https://radarsurabaya.jawapos.com/read/2020/01/14174764/gaya-hidup-milenial-dongkrak-industri-kosmetik
Analysis of Factors Affecting the Decisions of Islamic Stock Investors in Surabaya during the Covid-19 Pandemic Ibnu Affan; Clarashinta Canggih
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp213-229

Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui faktor-faktor apa saja yang berpengaruh terhadap keputusan investor saham syariah di Surabaya selama pandemi Covid-19. Faktor-faktor tersebut didapatkan melalui market variables, financial literacy, herding behavior, dan risk tolerance. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik analisis yakni analisis faktor konfirmatori. Penelitian ini memakai teknik purposive dan snowball sampling untuk mendapatkan 100 responden melalui kuesioner yang disebar sesuai dengan kriteria yang telah ditentukan. Hasil dari penelitian menyatakan bahwa terdapat tiga faktor yang memengaruhi keputusan investor saham syariah di Surabaya selama pandemi Covid-19 yakni perilaku herding sebagai faktor utama, pengetahuan investasi sebagai faktor kedua, dan market variables sebagai faktor ketiga. Kata Kunci: Perilaku Herding, Pengetahuan Investasi, Market Variables, Keputusan Investasi, Pandemi Covid-19.   ABSTRACT This study aims to determine what factors influence the decisions of Islamic stock investors in Surabaya during the Covid-19 pandemic. These factors are obtained through market variables, financial literacy, herding behavior, and risk tolerance. The research method uses a quantitative approach with analytical techniques, namely confirmatory factor analysis. This study used purposive and snowball sampling to get 100 respondents through questionnaires distributed according to the predetermined criteria. The results found that three factors influence the decisions of Islamic stock investors in Surabaya during the Covid-19 pandemic, i.e., herding behavior as the main factor, investment knowledge as the second factor, and market variables as the third factor. Keywords: Herding Behavior, Investment Knowledge, Market Variables, Investment Decisions, Covid-19 Pandemic.   DAFTAR PUSTAKA Ahmed, Z., & Noreen, U. (2021). Role of behavioral determinants for investment decision making. Asia-Pacific Social Science Review, 21(2), 48-62. Al-Tamimi, H., & Kalli, A. A. B. (2009). Financial literacy and investment decisions of UAE investors. Journal of Risk Finance, 10(5), 500–516. https://doi.org/10.1108/15265940911001402 Anita, I., Tampubolon, J. N., & Rachman, A. A. (2021). Factors affecting the investment decision on stock investors during pandemic covid-19. Turkish Journal of Physiotherapy and Rehabilitation, 32(2), 3884–3899. https://turkjphysiotherrehabil.org/pub/pdf/322/32-2-504.pdf Asiedu, E., Jin, Y., & Kanyama, I. K. (2015). The impact of HIV/AIDS on foreign direct investment: Evidence from Sub-Saharan Africa. Journal of African Trade, 2(1–2), 1-17. https://doi.org/10.1016/j.joat.2015.01.001 Bachrudin, A., & Tobing, H. L. (2003). Analisis data untuk penelitian survey. Bogor: In Media. Bappenas. (2020). Laporan perkembangan ekonomi Indonesia dan dunia triwulan III tahun 2020. Jakarta: Kementerian PPN/Bappenas. BEI. (2021). Database galeri investasi BEI per Maret 2021. Jakarta: BEI. Ceylan, R. F., & Ozkan, B. (2020). The economic effects of epidemics: from SARS and MERS to COVID-19. Research Journal in Advanced Humanities, 1(2), 21–29. https://royalliteglobal.com/advanced-humanities/article/view/132 Chavas, J.-P. (2004). Risk analysis in theory and practice. USA: Elsevier Academic Press. Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128. https://doi.org/https://doi.org/10.1016/S1057-0810(99)80006-7 Darmawan, T., Nurwahidin., & Anwar, S. (2019). Analisis faktor-faktor yang memengaruhi keputusan investasi di pasar modal syariah. Jurnal Middle East and Islamic Studies, 6(2), 192-214. https://doi.org/10.7454/meis.v6i2.103 DelaCruz, J. (2007). A brief contribution to the debate over the impact if HIV/AIDS on economic growth. Munich Personal RePEc Archive, 2116, 0–33. Dixon, S., McDonald, S., & Roberts, J. (2002). The impact of HIV and AIDS on Africa’s economic development. British Medical Journal, 324(7331), 232–234. https://doi.org/10.1136/bmj.324.7331.232 Economou, F., Hassapis, C., & Philippas, N. (2018). Investors’ fear and herding in the stock market. Applied Economics, 50(34–35), 3654–3663. https://doi.org/10.1080/00036846.2018.1436145 Economou, F., Kostakis, A., & Philippas, N. (2011). Cross-country effects in herding behaviour: Evidence from four south European markets. Journal of International Financial Markets, Institutions and Money, 21(3), 443–460. https://doi.org/10.1016/j.intfin.2011.01.005 Fridana, I. O., & Asandimitra, N. (2020). Analisis faktor yang memengaruhi keputusan investasi (studi pada mahasiswi di surabaya). Jurnal Muara Ilmu Ekonomi dan Bisnis, 4(2), 396. https://doi.org/10.24912/jmieb.v4i2.8729 Ghalandari, K., & Ghahremanpour, J. (2013). The effect of market variables and herding effect on investment decision as factor influencing investment performance in Iran. Journal of Basic and Applied Scientific Research, 3(3), 313–318. Ghozali, I. (2001). Aplikasi analisis multivariate dengan program SPSS. Semarang: Badan Penerbit UNDIP. Ghozali, I. (2005). Aplikasi analisis multivariate dengan program SPSS. Semarang: Badan Penerbit UNDIP. Grable, J., & Lytton, R. (1999). Financial risk tolerance revisited: The development of a risk assessment instrument. Financial Services Review, 8(3), 163–181. https://doi.org/10.1016/s1057-0810(99)00041-4 Hadrian, H., & Adiputra, I. G. (2020). Pengaruh overconfidence, herding effect, self-monitoring terhadap investment decision pada masa pandemi covid-19. Jurnal Manajerial dan Kewirausahaan, 2(3), 595. https://doi.org/10.24912/jmk.v2i3.9571 Hair, F. J., Black, C. W., Babin, B. J., & Anderson, R. (2010). Multivariate Data Analysis. UK: Pearson Education. Hendarto, K., Anastasia, N., & Basana, S. R. (2021). The effect of financial literacy, financial risk tolerance, and financial socialization agents on stock investment decision in the millennial generation. Petra International Journal of Business Studies, 4(1), 11–22. https://doi.org/10.9744/ijbs.4.1.11-22 Hung, A., Parker, A. M., & Yoong, J. (2011). Defining and measuring financial literacy. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1498674 Inayah, N. I. (2020). Prinsip-prinsip ekonomi Islam dalam investasi syariah. Aksy: Jurnal Ilmu Akuntansi dan Bisnis Syariah, 2(2), 89-100. https://doi.org/10.15575/aksy.v2i2.9801 Jannah, W., & Ady, S. U. (2017). Analisis fundamental, suku bunga, dan overconfidence terhadap pengambilan keputusan investasi pada investor di Surabaya. Ekspektra: Jurnal Bisnis dan Manajemen, 1(2), 138-155. https://doi.org/10.25139/ekt.v0i0.338 Keller, C., & Siegrist, M. (2006). Investing in stocks: The influence of financial risk attitude and values-related money and stock market attitudes. Journal of Economic Psychology, 27(2), 285–303. https://doi.org/https://doi.org/10.1016/j.joep.2005.07.002 Kemenkes RI. (2020). Pertanyaan dan jawaban terkait coronavirus disease 2019 (covid-19). World Health Organization, 2019, 1–13. https://www.who.int/indonesia/news/novel-coronavirus/qa-for-public Kiev, A. (2003). The psychology of risk: Mastering market uncertainty. USA: John Wiley & Sons, Inc. Lakonishok, J., Shleifer, A., & Vishny, R. W. (1992). The impact of institutional trading on stock prices. Journal of Financial Economics, 32(1), 23–43. https://doi.org/10.1016/0304-405X(92)90023-Q Lee, J. (2004). Globalization and disease : The case of SARS. Asian Economic Papers, 3(1), 113-131. http://dx.doi.org/10.1162/1535351041747932 Luong & Ha. (2011). Behavioral factors influencing individual investors´ decision-making and performance: A survey at the Ho Chi Minh Stock Exchange. Unpublished master thesis. Sweden: Umea University. Mahmood, Z., Kouser, R., Abbas, S. S., & Saba, I. (2016). The effect of hueristics, prospect and herding factors on investment performance. Pakistan Journal of Social Sciences (PJSS), 36(1), 475–484. http://www.bzu.edu.pk/PJSS/Vol36No12016/PJSS-Vol36-No1-42.pdf OJK. (2019). Survei nasional literasi dan inklusi keuangan Indonesia 2019. Jakarta: OJK. OJK. (2020). Statistik November - minggu 3. Retrieved from https://ojk.go.id/id/kanal/pasar-modal/data-dan-statistik/statistik-pasar-modal/Pages/november-minggu-3.aspx Pak, O., & Mahmood, M. (2015). Impact of personality on risk tolerance and investment decisions: A study on potential investors of Kazakhstan. International Journal of Commerce and Management, 25(4), 370–384. https://doi.org/10.1108/IJCoMA-01-2013-0002 Pepinsky, T. B., & Wihardja, M. M. (2011). Decentralization and economic performance in Indonesia. Journal of East Asian Studies, 11(3), 337–371. https://doi.org/10.1017/S1598240800007372 Putri, R. A., & Isbanah, Y. (2020). Faktor-faktor yang memengaruhi keputusan investasi pada investor saham di Surabaya. Jurnal Ilmu Manajemen, 8(1), 197–209. Ramdani, N. F. (2018). Analisis pengaruh representativeness bias dan herding behavior terhadap keputusan investasi (Studi pada mahasiswa di Yogyakarta). DSpace Universitas Islam Indonesia, 1–16. Rivo, M. C., & Ratnasari, R. T. (2020). Faktor yang mempengaruhi perilaku investor muslim dalam keputusan berinvestasi saham syariah. Jurnal Ekonomi Syariah Teori dan Terapan, 7(11), 2202-2220. https://doi.org/10.20473/vol7iss202011pp2202-2220 Salvatore, T., & Esra, M. A. (2020). Pengaruh overconfidence, herding, regret aversion, dan risk tolerance terhadap pengambilan keputusan investasi investor. Jurnal Manajemen, 10(1), 48–56. https://doi.org/10.46806/jm.v10i1.699 Saputro, R. E. H., & Lestari, D. (2019). Effect of financial literacy and risk perception on student investment decisions in Jakarta. Review of Management and Entrepreneurship, 3(2), 107–132. https://doi.org/10.37715/rme.v3i2.1237 Sitkin, S. B., & Pablo, A. L. (1992). Reconceptualizing the determinants of risk behavior. Academy of Management Review, 17(1), 9–38. https://doi.org/10.5465/amr.1992.4279564 TradingView.com. (2020). Indeks harga saham gabungan 2020. Retrieved from https://id.tradingview.com/ Ullah, S. (2015). An empirical study of illusion of control and self-serving attribution bias, impact on investor’s decision making: Moderating role of financial literacy. Research Journal of Finance and Accounting, 6(19), 109–118. Van Rooij, M., Lusardi, A., & Alessie, R. (2011). Financial literacy and stock market participation. Journal of Financial Economics, 101(2), 449–472. https://doi.org/10.1016/j.jfineco.2011.03.006 Virlics, A. (2013). Investment decision making and risk. Procedia Economics and Finance, 6(13), 169–177. https://doi.org/10.1016/s2212-5671(13)00129-9 Vitt, L. a., Kent, J., Lyter, D. M., Siegenthaler, J. K., & Ward, J. (2000). Personal finance and the rush to competence: Financial literacy education in the U.S. Personal Finance, October, 1–234. www.isfs.org/documents-pdfs/rep-finliteracy.pdf Waweru, N. M., Munyoki, E., & Uliana, E. (2008). The effects of behavioural factors in investment decision-making: a survey of institutional investors operating at the Nairobi Stock Exchange. International Journal of Business and Emerging Markets, 1(1), 24–41. https://dx.doi.org/10.1504/IJBEM.2008.019243 WHO. (2020). Weekly epidemiological update - 27 December 2020. Genève, Switzerland, December, 17. Retrieved from https://www.who.int/publications/m/item/weekly-epidemiological-update---29-december-2020 Wong, M. C. S., & Cheung, Y. L. (1999). The practice of investment management in Hong Kong: Market forecasting and stock selection. Omega, 27(4), 451–465. https://doi.org/10.1016/S0305-0483(98)00070-X Zulfiqar, M., & Bilal, M. (2016). Financial wellbeing is the goal of financial literacy. Research Journal of Finance and Accounting, 7(11), 94–103. https://jurnaljam.ub.ac.id/index.php/jam/article/view/1721  
Analisis Prinsip Syariah Pada Pembiayaan Modal Usaha: Studi Kasus BMT Mandiri Sejahtera Kecamatan Sugio Kabupaten Lamongan Febrianti Nilam Sari; Clarashinta Canggih
JURNAL EKONOMI, MANAJEMEN, BISNIS, DAN SOSIAL (EMBISS) Vol. 2 No. 1 (2021): November 2021
Publisher : CV ODIS

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

Abstract

The purpose of this study is to determine the conformity of Sharia principles in business capital financing at BMT Mandiri Sejahtera, Sugio sub-district branch. The method was descriptive qualitative with data collection techniques through interviews and documentation. The validity test used the source triangulation technique. This study indicates that BMT Mandiri Sejahtera has three Sharia contracts  in business capital financing. It consists of Rahn, murabahah and mudharabah. Rahn is the most popular financing contract. There have been violations of shariah rules on Rahn in 2019, whereas, for murabahah and mudharabah financing contracts, they have followed the existing Sharia rules.    Keywords: Baaitul maal tamwil, financing, Sharia contract, rahn, murabahah, mudharobah
Efficiency of Islamic Insurance in Indonesia Rachma Indrarini; Clarashinta Canggih
IQTISHODUNA: Jurnal Ekonomi Islam Vol 8 No 2 (2019): Oktober
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (335.059 KB) | DOI: 10.36835/iqtishoduna.v8i2.413

Abstract

This paper aims to measure Islamic Insurance Efficiency in Indonesia. This paper uses quantitative data analysis through Data Envelopment Analysis to assess efficiency. Input variables in this study are total assets, expenses, and claims payments, while the output variables used are tabaru income and funds during 2012-2016. The objects of this paper are PT. AJS Amanahjiwa Giri Arta, PT AJS Al Amin, and PT Asuransi Takaful Keluarga. The result shows that in general, Islamic insurance in Indonesia is not yet efficient.
Apakah Literasi Mempengaruhi Penerimaan Zakat? Clarashinta Canggih; Rachma Indrarini
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 11, No 1 (2021)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (678.616 KB) | DOI: 10.21927/jesi.2021.11(1).1-11

Abstract

Zakat is not only relates to ilahiyah worship but also relates to muamalah which has social and economic value. Zakat can be used as a tool to increase welfare and eradicate poverty. Since, Indonesia has large Muslim population, it supposes to has large amount of Zakat. However, the actual recorded zakat collection is still very far from the potency. People zakat literacy about zakat obligations is also low. This paper aims to see the impact pf zakat literacy to zakat collection by OPZ. This research was an associative quantitative study using PLS-SEM bootstrap with WarpPLS5. The object of this research was 9 OPZs (8 LAZNAS and 1 BAZ) which have representative offices in Surabaya. Respondents of this study were muzakki who represented OPZ. The results of this study indicated that zakat literacy has a significant effect on the realization of zakat collection, however the intention to pay zakat does not mediate the relationship between literacy and the realization of zakat collection. This research can be used to identify steps to increase zakat collection.
VISIT WONOSALAM : PENGUATAN POTENSI WISATA DESA MELALUI STRATEGI MARKETING BERBASIS SYARIAH Rachma Indrarini; Ahmad Ajib Ridlwan; Tony Seno Aji; Clarashinta Canggih
J-Dinamika : Jurnal Pengabdian Masyarakat Vol 3 No 2 (2018): Desember
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/j-dinamika.v3i2.1021

Abstract

Pengabdian Kepada Masyarakat ini berbasis pada kebutuhan dan keinginan warga desa sumberejo dan pangklungan wonosalam Jombang untuk mengembangkan potensi wisata di daerah mereka. Desa sumberejo dan Desa Pangklungan merupakan salah satu desa yang berada di wilayah Wonosalam Jombang dengan potensi wisata yang melimpah. Salah satu wisata di kawasan tersebut adalah goa sriti di desa sumberejo dan eco park di desa panglungan. Kawasan wisata tersebut, merupakan wisata yang baru yang pengelolaannya masih sederhana termasuk didalamnya adalah strategi pemasarannya. Sehingga PKM ini lebih difungsikan untuk menggajarkan kepada masyarakat terkait strategi pemasaran. Jombang merupakan kota santri, sebagian besar penduduknya adalah umat muslim sehingga potensi halal tourism atau wisata syariah memiliki peluang yang besar. Pada PKM ini strategi pemasaran yang akan di gunakan merupakan pemasaran berbasis syariah. Solusi yang ditawarkan adalah pendampingan pembuatan sistem informasi pemasaran untuk desa wisata tersebut. Program ini akan memberikan mempermudah desa dalam memasarkan pariwisatanya. Penerapan pemasaran yang dgunakan adalah pemasaran brbasis media sosial, strategi branding dan pemasaran syariah diharapkan dapat mengembangkan wisata di Wonosalam Jombang.Kata Kunci : Pemasaran Syariah, Wonosalam