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INDONESIA
J-EBIS (Jurnal Ekonomi dan Bisnis Islam)
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : 25021397     EISSN : 25408100     DOI : -
Core Subject : Economy, Education,
Economics, Econometrics & Finance Other
The Journal that published by Faculty of Economic and Islamic Busines, State Institut for Islamic Studies (IAIN) Zawiyah Cot Kala Langsa, This journal focused on Islamic Economics and Finance studies. The Journal is published twice a year on April and October. The aim of the journal is to disseminate the Islamic economics and finance.
Arjuna Subject : -
Articles 235 Documents
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DETERMINAN LIKUIDITAS PADA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI INDONESIA Ayu Rahmawati; Nurjanah, Nurjanah; Amiruddin Yahya
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 2 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i2.4777

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Operating Expenses on Operating Income (BOPO), Non-Performing Financing (NPF), and Return On Assets (ROA) on the Liquidity of Islamic People's Financing Banks (BPRS) in Indonesia. This study uses a quantitative approach to secondary data in the form of time series data. The population of this research is all BPRS registered with the Financial Services Authority. The data analysis technique used in this study is multiple linear regression. The results obtained show that partially the Capital Adequacy Ratio (CAR) has a positive and insignificant effect on liquidity with a significance value of 0,941. > 0,05. Operating Expenses Operating Income (BOPO) has a negative and insignificant effect on liquidity with a significance value of 0,493 > 0,05. Non-Performing Financing (NPF) has a positive and significant effect on liquidity with a significance value of 0,005 < 0,05. And Return On Assets (ROA) has a positive and significant effect on liquidity with a significance value of 0,015 < 0,05. Simultaneously the independent variable has a significant effect on the dependent variable with a significance value of 0,001 < 0,05. This means that the Capital Adequacy Ratio (CAR), Operating Income Operating Expenses (BOPO), Non-Performing Financing (NPF), and Return On Assets (ROA) simultaneously (together) have a significant effect on liquidity at Islamic People's Financing Banks (BPRS) in Indonesia.
PENGARUH MARKETING MIX TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN PADA USAHA MIKRO Juli Dwina Puspita Sari; Dhea Riswana
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 2 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i2.4779

Abstract

This study aims to determine the effect of marketing mix (product, price, promotion and location) on purchasing decisions of customers in small business located in Langsa city, Aceh named the Say Story coffee shop. quantitative methods is used to process the primary data compiled through a questionnaire distributed to 50 customers (respondents) of the Say Story coffee shop in Langsa City. Non-probability sampling via accidental sampling is utilised in determining the respondents within this study. The results showed that the product, price, promotion, and location simultaneously affect purchasing decisions. The product partially has a positive and significant effect on purchasing decisions, the price partially has a negative and significant effect on purchasing decisions, promotion partially has a negative and significant effect on purchasing decisions and location partially has a positive and significant effect on purchasing decisions at the Say Story coffee shop.
REBRANDING INDUSTRI PERBANKAN: INVESTIGASI PERAN RELIGIUSITAS DALAM MEMPENGARUHI PERSEPSI KONSUMEN Dahlawy, Rifyal
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 2 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i2.4781

Abstract

This study aims to examine the role of rebranding and corporate image on customer-based brand equity (CBBE), as well as the moderating role of the religiosity variable in the relationship between rebranding and corporate image on CBBE. This research is a survey using a questionnaire as a data collection tool. The sampling method used is convenience sampling with 100 respondents from banking customers in Langsa City as the sample. For the data analysis methods, using multiple linear regression testing (t-test, F-test, and R2). To test the effect of moderating variables, Moderated Regression Analysis (MRA) technique is used. The results revealed that rebranding proved to have a positive and significant effect on CBBE, as well as the effect of brand image on CBBE. To examine the moderating effect of the religiosity variable, it is only proven that there is a moderating effect of religiosity on the relationship between brand image and CBBE.
DETERMINAN KEPATUHAN PETANI DALAM MEMBAYAR ZAKAT MELALUI BAITUL MAL GAMPONG Umuri, Khairil; Syakila, Nadia
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 2 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i2.4214

Abstract

The purpose of this study was to analyze the effect of knowledge, income, belief, and religiosity on farmer compliance in paying zakat through Baitul Mal Gampong (Study in Bener Meriah Regency) partially and simultaneously. Data of 100 respondents was obtained by distributing questionnaires with purposive sampling technique and analyzed using multiple linear regression method. The results obtained show that the variables of knowledge, income, trust, and religiosity simultaneously have a significant effect on farmers' compliance in paying zakat through Baitul Mal Gampong (Study in Bener Meriah Regency). Knowledge variable has a positive and significant effect, while income, trust, and religiosity have no effect on farmer compliance in paying zakat through Baitul Mal Gampong (Study in Bener Meriah Regency). Therefore, zakat institutions must increase socialization to the public about zakat knowledge and increase trust in zakat institutions.
INVESTIGASI PENDAYAGUNAAN ZAKAT ASNAF GHARIM MENJADI ALTERNATIF HUTANG PIUTANG (Studi pada Baitul Mal Langsa) Zainal Muttaqin; Safwan Kamal
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 2 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i2.4793

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana zakat dapat menjadi alternatif utang piutang melalui pendayagunaan zakat pada kelompok gharim di masa pandemi Covid-19. Penelitian ini menggunakan metode kualitatif deskriptif guna menganalisis bagaimana pendistribusian zakat Baitul Mal Kota Langsa kepada gharim di masa pandemi Covid-19. Penelitian ini menemukan fakta bahwa zakat telah menjadi alternatif dalam penyelesaian permasalahan utang piutang yang dihadapi fakir miskin melalui pendayagunaan zakat pada kelompok gharim di masa pandemi Covid-19. Pemanfaatan dana gharim Baitul Mal Kota Langsa dalam masa Covid-19 telah dilakukan untuk tiga kategori kebutuhan. Pertama, untuk kebutuhan pendidikan di perguruan tinggi, di sekolah menengah pertama, dan di pesantren. Kedua, untuk pelunasan utang pemakaian listrik, utang para pedagang kecil, utang biaya sewa rumah, dan utang biaya pemulangan jenazah. Ketiga, untuk kebutuhan organisasi yaitu pelunasan utang lembaga pesantren, utang taman baca Al-Qur’an, dan utang panitia pembangunan sarana ibadah. Penelitian ini telah berhasil menunjukkan bahwa dana zakat telah berperan signifikan dalam hal penangulangan utang piutang masyarakat yang terjadi selama masa-masa sulit saat pandemic covid 19
The Effect of Financing Portfolio Diversification Strategy on The Risk of Non Performing Financing in The Indonesian Islamic Banks Ihdina Sabilal Haq
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.vi0.5560

Abstract

Purpose – The purpose of this study is to examine the effect of a credit portfolio diversification strategy on the risk of bad loans in Islamic banking in Indonesia for the 2018-2022 period. Design/methodology/approach – Exogenous variables in this study include credit portfolio diversification based on contract and type of usage. Meanwhile, the endogenous variable is the risk of bad credit in Islamic banking. The loan portfolio diversification variable based on the contract and type of use is calculated using the Herfindahl-Hirschman Index (HHI). The bad credit risk variable uses the Non Performing Financing (NPF) proxy. The population in this study are Islamic Commercial Banks and Sharia Business Units in 2018-2022 using a saturated sample technique. In addition, Ordinary Least Square (OLS) Regression Analysis is used in the data analysis method. Findings – The results of this study indicate that the diversification of the credit portfolio based on the contract and the type of usage both partially and simultaneously has a significant effect on the risk of bad credit in Islamic Banking. Research limitations/implications – This study is limited to Islamic commercial banks and Islamic business units in Indonesia. There are three types of financing, namely financing based on contract-, type of use and business sector and not the business sector of credit beneficiary, but in this study only uses diversification of financing based on contracts and usage due to limited data and research time. Practical implications – The role of credit diversification based on contract and type of usage in reducing the risk of bad credit that may be useful for sharia banking, both sharia commercial banks and sharia business units in Indonesia, is related to the need for a credit portfolio diversification strategy policy to reduce the risk of bad credit in companies as well as for further researchers as an additional reference. for research that uses the topic of factors that influence the level of credit risk in Islamic banking. Originality/value – This study provides new insights about the role of credit diversification based on contracts and the type of use that can significantly affect the risk of bad credit in Islamic banking in Indonesia.
Integration Analysis of Sharia Stock Price Index in Indonesia, Malaysia, China and The United States Islamic Capital Markets Darmawan, Zulfikri Charis
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.vi0.5576

Abstract

Purpose – This study aims to determine the effect of Dow Jones Islamic Word Malaysia Index (DJMY25D), Dow Jones Islamic Market China (DJICHKU) and Dow Jones Islamic Market Index (DJIMI) on Indonesian Sharia Stock Index (ISSI.JK) for the 2018-2022 period. Design/methodology/approach – The exogenous variables in this study include DJMY25D, DJICHKU and DJIMI. Meanwhile, the endogenous variable is ISSI.JK. In the DJMY25D, DJICHKU, DJIMI and ISSI.JK variables it is calculated by the percentage growth in closing prices at the beginning of the month. The population in this study is the Global Islamic Index which is part of the Dow Jones Global Index which consists of 34 countries using purposive sampling technique. In addition, Ordinary Least Square (OLS) Regression Analysis was used in the data analysis method. Findings – The results of this study indicate that simultaneously DJMY25D, DJICHKU and DJIMI have a significant effect on ISSI.JK. Partially, DJMY25D and DJICHKU have an effect on ISSI.JK but not significantly. while DJIMI has a significant effect on ISSI.JK. Research limitations/implications – his research is limited by the integration of Indonesian Islamic stocks with several Malaysian, Chinese and American Islamic stocks. There are several other countries where the Islamic stock market may be integrated with Indonesian Islamic stocks, but in this study only uses diversification of financing based on contracts and usage due to limited data and research time. Practical implications – The integration of ISSI.JK and DJIMI sharia stocks may be useful for market players and regulators to consider the DJIMI stock market in estimating market price movements and volatility of the Indonesian sharia stock market. Originality/value – This study provides new insights on the integration of Islamic stocks in Malaysia, China, America and Indonesia in 2018-2022.
Earning Management Analysis: The Role of Firm Size, Leverage, Managerial Ownership and Profitability Safarida, Nanda; Lili Irawati; Safwan Kamal
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.vi0.5909

Abstract

Purpose: This study aims to determine the effect of firm size, leverage, managerial ownership, and profitability on earning management in a convenience goods company, PT. Tiga Pilar Sejahtera Food Tbk, wich is listed on the Indonesian stock exchange under the name AISA. Method: Secondary data are collected through the company’s financial statement from 2006 to 2020. The data were collected from the Indonesian Capital Market Directory (ICMD) and the Indonesian stock exchange websites. The quantitative approach was used to analyze the data. Then, the data were regressed by Ordinary Least Square estimation using Eview 12 software. Findings: Results revealed that firm size, managerial ownership, and profitability have no significance influence on earning management. However, leverage partially has a negative and significant effect on the earnings management. Meanwhile, firm size, leverage, managerial ownership, and profitability simultaneously influence earnings management of PT. Tiga Pilar Sejahtera Food Tbk significantly from 2006 to 2020 period. Research limitation: This research only uses some of the determinants of earnings management from many other factors that also have a contribution such as institutional ownership, board of commissioners, auditor reputation, etc. In addition, the use of several research objects in the form of companies engaged in the same business sector is also recommended for further research in order to obtain a more comprehensive and representative view. Practical Implication: This research has implications for the company's management considerations in making decisions to carry out earnings management. This form of intervention is ideal as long as it is carried out in accordance with accounting principles. This must be ensured so that the company's economic picture remains visible and risk management can still be carried out.
Analysis of Liquidity in Islamic Banks in Indonesia: Analysis of Capital Adequacy Ratio, Return on Asset, Inflation, and BI Interest Rate Factors for the Period 2015-2020 Shoffan Maulana; M. Fikri Himmawan; Sri Yayu Ninglasari
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i1.5561

Abstract

Purpose – This study aims to explore the elements that affect the liquidity of Islamic banking in Indonesia. From 2015 to 2020, Bank Indonesia published consecutive monthly statistics that can be used in this study. Internal factors, such as the capital adequacy ratio (CAR) and return on assets (ROA), and external factors, such as inflation and the SBI interest rate, are the variables used in this study. Design/methodology/approach - This study used the vector error correction model (VECM) as the research methodology. Findings - The results state that CAR and inflation variables have a positive and significant effect on FDR in the short term, but other variables are not significant. The financing-to-deposit ratio is negatively affected by ROA and BI interest rate variables in the long term, while in the short term it is positively affected by CAR and inflation (FDR) variables. Research limitations/ implications - In order to determine the liquidity policy of Islamic banking in the future, the authorities in Indonesia can benefit significantly from this research. Originality and value - This research can be used as a comparative reference for Islamic banking to maintain its liquidity. There are still not many studies that examine research on Islamic banking liquidity in Indonesia with these variables, so this journal can be a reference for further research. However, it is limited to 2015 to 2020 and only uses Islamic banking as the object of research. Keywo
Pendampingan Usaha sebagai Variabel Moderator pada Pengaruh antara Modal Sendiri dan Jumlah Pembiayaan Murabahah terhadap Omzet Luthfi, Faishol
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i1.4857

Abstract

This study aims to analyze the effect of equity and murabahah financing on MSME turnover with business assistance as a moderating variable. This study uses a mix methods approach which is a combination of quantitative and qualitative methods. The quantitative method uses Moderated Regression Analysis (MRA) and the qualitative method uses descriptive analysis. The independent variables in this research are equity (X1) and the amount of murabahah financing (X2) with business assistance as a moderating variable (Xm). The dependent variable is MSME turnover. The subject of this research is MSME actors in Surabaya City. The sample of this study amounted to 300 people who were taken using purposive sampling method. The results showed that the variable of equity has a positive and significant effect on MSME turnover, while business assistance has been shown to moderate the influence between equity and murabahah financing on MSME turnover. There are several forms of business assistance for MSME actors, namely related to production capacity, business community and product promotion.This study looks at the independent variables from two sides, namely from the internal side of MSME actors, namely their own capital and externally, namely murabahah financing. Further exploration is needed regarding the independent variables in this study.This study is useful for relevant regulators to formulate MSME development policies considering the importance of MSME's role in the Indonesian economy. This study provides deeper insight into business assistance as a moderating variable and also forms of business assistance.

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