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All Journal Eduvest - Journal of Universal Studies Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Studies
Rahmat Mulyana
Institut Agama Islam Tazkia, Indonesia
Aerospace Engineering Computer Science & IT Health Professions Neuroscience Social Sciences

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The Effect Analysis of Religiosity, Financial Literacy, and Islamic Financial Planning on The Performance of SMEs Rilia Putri; Rahmat Mulyana; Nurul Hilmiyah
Eduvest - Journal of Universal Studies Vol. 4 No. 1 (2024): Journal Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v4i1.997

Abstract

SMEs (Small and Medium Enterprises) serve as the backbone of the Indonesian economy, in a country with the world's largest Muslim population. Therefore, further analysis is needed regarding the factors influencing the performance of SMEs in an effort to maximize the country's revenue. This research aims to examine the relationship between religiosity, financial literacy, and Islamic financial planning on the performance of Micro, Small, and Medium Enterprises (MSMEs) in the Greater Jakarta area (Jabodetabek). This study employs a quantitative approach using the Structural Equation Model Partial Least Square (SEM-PLS) with primary data collected through an online purposive sampling technique from 113 MSMEs in Jabodetabek. The performance of MSMEs is significantly influenced by religiosity, Sharia financial literacy, and Islamic financial planning. Religiosity has a significant impact on Sharia financial literacy and Islamic financial planning. Sharia financial literacy affects Islamic financial planning significantly.
ANALYSIS OF FACTORS INFLUENCING THE CASH WAQF RECEIVING THROUGH FINTECH WAKF (CROWDFUNDING WAQF MODEL) Ade Fajar Ramdhani; Rahmat Mulyana; Farit Mochamad Afendi
IRTIQO' : Postgraduate Journal of Islamic Economics, Finance and Accounting Studies Vol. 1 No. 1 (2022): Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Stud
Publisher : Department Islamic Economics

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Abstract

Purpose–This study determines factors that influenced cash waqf receipts through the Urun Dana Waqaf Platform by adopting the Unified Theory of Access and Use of Technology 2 (UTAUT 2) model with Perceived trust and perceived risk variables.Design/methodology/approach– This research employed a quantitative approach. The population used in this study were in Medan with 142 respondents as samples. The data were analyzed using PLS-SEM with UTAUT Model 2 as the construct latent variable.Findings– The results showed that Performance Expectancy (PE), Social Influence (SI), Perceived Trust (PT), Facilitating Conditions (FC), Hedonic Motivation (HM), Habits (HT) affected on Behavioral Intention (BI) and Habits (HT), Behavioral Intention (BI) affected on User Behavior (UB). Meanwhile, Effort Expectancy (EE), Perceived Risk (PR), Price Value (PV) had no effect on Behavioral intention (BI), and Facilitating Conditions (FC) had no effect on User Behavior (UB).Research limitations/Implications–The discussion focuses on analyzing the factors that influence cash waqf receipts through the waqf crowdfunding platform with the UTAUT 2 acceptance model approach. The scope is limited to users of the waqf crowdfunding platform in Medan City area.Originality/value–This study enriches the literature of Islamic FinTech field, especially on the factors that influence cash waqf receipts through the crowdfunding Waqf Model (CWM) by reaffirming the findings of previous studiesKeywords- Cash Waqf, Crowdfunding Waqf, UTAUT 2, PLS-SEM
THE EFFECT OF DIGITAL MARKETING ON THE DECISION TO PAY ZAKAT THROUGH ZAKAT INSTITUTION Harnie Agustina; Mukhamad Najib; Rahmat Mulyana
IRTIQO' : Postgraduate Journal of Islamic Economics, Finance and Accounting Studies Vol. 1 No. 1 (2022): Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Stud
Publisher : Department Islamic Economics

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Abstract

Purpose-To find out the digital marketing strategies carried out by Zakat Institution and to find out the effect of digital marketing on the decision to pay zakat at the Zakat InstitutionDesign/methodology/approach-This research used quantitative descriptive analysis method. Questionnaires divided into 2 categories, 77 respondents have already paid zakat at Zakat Institution (referred as Muzakki) and 94 respondents have never paid zakat through Zakat Institution (referred as Non-Muzakki). The analysis method used Structural Equation Modeling Partial Least Squares (SEM-PLS).Findings-The variables affecting Non-Muzakki and Muzakki to pay zakat through Zakat Institution were the same, namely social media marketing, customer engagement, and brand trust. The fundamental difference in the factors influencing the decision to pay zakat between Muzakki and Non-Muzakki was brand trust, where Non-Muzakki were more concerned about brand trust than Muzakki.Research Implications-Marketing content and accessibility in the digital marketing conducted by Zakat Institution did not significantly affect the decision to pay zakat. Factor differentiating between Muzzaki and Non-Muzzaki was brand trust. This is important to note, so consumers believe that zakat collection can be distributed to the Mustahiq/Beneficiaries to assist their livelihood. Zakat Institution must demonstrate social responsibility through the distribution of Zakat and the implementation of Corporate Social Responsibility as a form of concern to the surrounding community.Originality-The study determined the factors affecting the decision to pay zakat through digital marketing by comparing between muzzaki and non-muzzaki.Keywords-Digital, Marketing, Zakat, Institution, Zakat institution, Consumer behavior.I
Co-Authors Ade Fajar Ramdhani Farit Mochamad Afendi Harnie Agustina Mukhamad Najib Nurul Hilmiyah Rilia Putri