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ILTIZAM Journal of Sharia Economic Research
Published by Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
ISSN : 25982222     EISSN : 25982540     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Iltizam Journal of Shariah Economic Research E-ISSN:2598-2540 P-ISSN:2598-2222 is the journal that publishing the research result in the area of sharia economic, namely sharia banking and financing, micro and macro economy, and the issues of regional development that studied by sharia economic perspective. Iltizam cordially invites the academician, researchers, and others to submit their research article that in line with our focus and scope.
Arjuna Subject : -
Articles 127 Documents
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ANALISIS PENGARUH PIUTANG, KECUKUPAN MODAL DAN KAS TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI SUMATERA BARAT Syukri Iska; Fitriani Fitriani
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 1 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (169.449 KB) | DOI: 10.30631/iltizam.v4i1.574

Abstract

Penelitian ini bertujuan untuk menguji pengaruh piutang, kecukupan modal, dan kas terhadap profitabilitas pada BPRS Sumatera Barat. Jenis penelitian yang gunakan untuk mendapatkan data-data dari permasalahan yang diteliti adalah penelitian Expost Facto. Datanya berbentuk sekunder tahun 2011-2017, yang diperoleh melalui website OJK. Pengelolaan data dilakukan dengan pendekatan kuantitatif. Dari penelitian dapat disimpulkan bahwa secara parsial piutang dan kas tidak berpengaruh signifikan terhadap profitabilitas. Namun kecukupan modal berpengaruh signifikan terhadap profitabilitas. Secara simultan piutang, kecukupan modal dan kas berpengaruh signifikan terhadap profitabilitas. Untuk mencapai peningkatan profit BPRS harus mempunyai tingkat piutang, kecukupan modal dan kas yang bagus di mana masing-masing variabel diproksikan dengan rasio FDR, CAR, cash ratio.
MODEL KONSUMSI PEDULI MASLAHAH IBU-IBU MILENIAL Rini Idayanti
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 1 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (193.741 KB) | DOI: 10.30631/iltizam.v4i1.579

Abstract

Studi ini menggambarkan model konsumsi peduli maslahah oleh ibu-ibu milenial yang hobi dalam berbelanja online, tujuan dari penelitian ini adalah untuk mengetahui perkembangan hobi belanja online ibu-ibu milenial dan untuk merumuskan suatu model konsumsi peduli maslahah hobi belanja online ibu-ibu milenial. Berdasarkan tujuan penelitian di atas, maka jenis penelitian yang digunakan adalah jenis penelitian kualitatif dengan menggunakan pendekatan keilmuan. Teknik pengumpulan data yaitu wawancara dan adapun teknik analisis data dalam penelitian ini adalah reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa hobi belanja online ibu-ibu milenial sangat berkembang, mereka lebih memilih berbelanja online dalam memenuhi kebutuhannya, sehingga hobi berbelanja online menyebabkan tingkat konsumsinya akan bertambah. Model konsumsi peduli maslahah menggunakan pendekatan marginal maslahah sebuah metode yang digunakan dalam mengukur tingkat maslahah konsumen dalam mengkonsumsi barang dan jasa. Pada pendekatan ini, digunakan persamaan marginal maslahah (MM) seperti ini: M=F(1+βip) bahwa perubahan tingkat maslahah baik manfaat fisiknya maupun manfaat non-fisiknya, sebagai akibat berubahnya jumlah barang yang dikonsumsi.
PENGARUH DESTINATION IMAGE TERHADAP MOTIVASI BERKUNJUNG DAN KEPUASAN KONSUMEN Hario Tamtomo; Iwan Eka Putra
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 1 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (198.319 KB) | DOI: 10.30631/iltizam.v4i1.575

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Destination Image Terhadap Motivasi Berkunjung Dan Kepuasan Konsumen yang dilakukan pada Taman Rimba Provinsi Jambi. Metode yang digunakan dalam penelitian ini adalah Metode Deskriptif dengan Pendekatan Kuantitatif Adapun hasil dari analisisnya menerangkan bahwa secara langsung, variabel destination image memiliki pengaruh yang signifikan terhadap variable kepuasan konsumen dengan kontribusi sebesar 91,9%. Pengunjungan juga akan puas dengan adanya destination image yang dibarengi dengan layanan yang baik dan terintegrasi dengan image wisatawan. Hasilnya juga menunjukkan bahwa secara langsung, variabel destination image memiliki pengaruh yang signifikan terhadap variable motivasi berkunjung wisatawan dengan kontribusi sebesar 0,591. Variabel destination image pada hasil uji analisis jalur, secara langsung berpengaruh signifikan terhadap dua variable secara simultan dengan kontribusi sebesar 0, 651 atau dalam persentase sebesar 65,1%. Sedangkan selebihnya 35,9% dapat dijelaskan oleh variable lainnya. Hasil tersebut menunjukkan bahwa pengunjung memiliki penilaian positif mengenai Taman Rimba sebagai destinasi pariwisata dapat menumbuhkan motivasi berkunjung sehingga merasa konsumen merasa puas.
Sejarah Perkembangan Akuntansi Syariah; Tinjauan Literatur Islam Zuwardi MA; Hardiansyah Padli
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v4i2.507

Abstract

This study aims to examine the development of Islamic accounting since the issuance of the letter al baqoroh 282 to the present practice of Islamic financial institutions. A qualitative approach with content analysis in Islamic literature is carried out to describe the historical portrait of Islamic accounting. the result is the development of accounting in the Islamic era along with the trade culture of the Arab nation, which is increasingly developing with the concept of accountability in Islam and increasingly has many variants according to the times. This research also proves that the current sharia accounting practices do not copy western accounting but have a scientific historical basis in practice in the golden age of Islam.
Customer Satisfaction Mediates the Effect of Self Service Technology on Customer Loyalty in of Islamic Bank E-Banking Services in Indonesia Tamar Tamaruddin; Achmad Firdaus; Endri Endri
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v4i2.596

Abstract

The research objective was to analyze: The effect of self-service technology, service quality, reputation, customer value on customer loyalty in e-banking services for Islamic banks in Indonesia through customer satisfaction. The method used is quantitative with path analysis. The data collection technique is a questionnaire. The results of the study are as follows: 1. There is no direct effect of self-service technology on customer satisfaction in E-Banking services. 2. There is no direct effect of service quality on customer satisfaction in E-Banking services. 3. There is a direct effect of reputation on customer satisfaction in E-Banking services. 4. There is a direct effect of customer value on customer satisfaction in E-Banking services. 5. There is a direct effect of customer satisfaction on customer loyalty in e-banking services. 6. There is no direct effect of self-service technology on customer loyalty in e-banking services. 7. There is a direct effect of customer value on customer loyalty in e-banking services. 8. There is a relationship between self service technology and service quality of Islamic banks. 9. There is a relationship between customer value and reputation of a Sharia bank. 10. There is a significant effect of self-service technology, service quality, reputation, customer value on customer loyalty in Islamic banking e-banking services in Indonesia through customer satisfaction.
Analisis Pertumbuhan Ekonomi Provinsi Jambi 2012-2019 M Yunus; Novi Mubyarto; Robi Agustin
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v4i2.598

Abstract

The development achievement of an economic activity can be measured by economic growth. Economic growth will improve if there are activities carried out by humans for the prosperity of the earth and their prosperity. An important factor for increasing economic growth is international trade, one of which is exports. Allah SWT has created in every region and country the advantages and disadvantages. The main factor that also has an influence on the economic development of a country / region is investment activities. Regarding investment in the Al Qur’an, it is clearly stated that investing is a way that is ordered by Allah SWT not to leave the weak generation. In this study, an analysis of the economic growth of the province of Jambi was conducted in 2012-2019. The method used is multiple linear regression analysis. Based on the results of using the R application, there is a significant influence between the export variable and the investment variable on the economic growth variable. The modeling results obtained are Y = 5848.0543 + 0.8886X1 + 0.7929X2. Every increase in exports of 1 billion and investment is considered constant, it will increase economic growth by 0.8886 billion. Every increase in investment of 1 billion and exports are considered constant, it will increase economic growth by 0.7929 billion. The coefficient of determination of 94.06 percent means that the diversity of economic growth variables can be explained by the export and the investment, the remaining 5.94% is explained by other variables not included in the regression model.
The Implementation of PSAK 109 on Infaq Shadaqah Funds in Zakat Institutions (Study in DMC Dompet Dhuafa) Yudi Yudiana
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v4i2.643

Abstract

This study aims to determine the application of infaq and alms accounting based on PSAK 109 which focuses on the presentation of financial reports on DMC organs as a network of Dompet Dhuafa amil zakat institutions in the field of disasters which mostly manages infak/sedekah funds in its operations. This research is a qualitative study of critical discourse analysis, which is a method by collecting, preparing, and analyzing data in the form of organizational financial reports so that later it can provide a clear picture of the application of infak and sedekah accounting based on PSAK 109 in the DMC organ. The data processing method uses interviews with related documents and is accompanied by one of the validity of the data, namely triangulation. The results showed errors in understanding and applying the recording method will affect the decision making strategy and goal orientation of the non-profit organization. The role of the leader is the key to success in disseminating it, as well as setting it in the form of an Operating Procedure System.
Perbedaan Rasio Profitabilitas dan Risk Profile Bank Konvensinal dan Bank Syariah Laula Dwi Marthika; Gita Suliska
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v4i2.597

Abstract

Penelitian ini bertujuan untuk menilai perbedaan rasio Profitabilitas dan Risk Profile dari Bank Umum ynag memiliki cabang Bank Syariah dan terdaftar di Bursa efek Indonesia. Tahun pengamatan penelitian ini adalah 2014 sampai 2018. Metode yang digunakan dalam penelitian ini adalah analisis deskriptif kualitatif. Hasil penelitian, tidak ada perbedaan yang signifikan antara rasio profitabilitas maupun rasio risk profile antara PT Bank Rakyat Indonesia Tbk dan PT. Bank Rakyat Indonesia Syariah. Rasio profitabilitas BOPO, NIM, ROE, ROA tidak ada perbedaan namun dari segi profitabilitas Bank Rakyat Indonesia lebih baik dari Bank Rakyat Indonesia Syariah. Rasio Risk Profile dari segi rasio NPL dan LDR juga lebih baik Bank Rakyat Indonesia daripada Bank Rakyat Indonesia Syariah. Hasil penelitian, menunjukkan ada perbedaan yang signifikan antara rasio profitabilitas BOPO dan ROA pada Bank Tabungan Negara dan Bank BTPN Syariah, Sedangkan Rasio NIM dan ROE tidak ada perbedaan. Sedangkan rasio risk profile baik rasio NPL dan rasio LDR sama sama memiliki perbedaan secara signifikan. Untuk rasio profitabilitas BOPO dan NIM Bank Tabungan Negara secara rata-rata lebih baik dari Bank BTPN Syariah, sedangkan secara ROE dan ROA, Bank BTPN Syariah lebih baik daripada Bank Tabungan Negara. Untuk rasio risk profile, yaitu rasio NPL dan Rasio LDR secara rata-rata Bank BTPN Syariah Lebih baik dar Bank Tabungan Negara
Peran E-commerce dalam Meningkatkan Resiliensi Bisnis diera Pandemi Mohammad Orinaldi
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v4i2.594

Abstract

Online business based on E-commerce has long been known since before the Covid-19 pandemic, as evidenced by 15.08% of business people have used digital platforms in developing their businesses. E-commerce is a public need that has increased drastically during the Covid-19 pandemic. E-commerce platform users increased by 38.3% as long as social policies were implemented. This study aims to analyze the role of E-commerce in maintaining business during an economic recession. The research method used is literature review. The results of the discussion show that the types of small businesses and MSMEs are sectors that are quite affected by Covid-19 . The business sector will not be able to survive a period of economic recession if it does not adapt to technological developments towards the online market. E-commerce is key in the creation of an online market, so that it can mediate interactions between producers or sellers and consumers. E-commerce can maintain a balance of production and consumption because trading activities are maintained over a long distance. This balance can encourage economic growth in a more positive direction. E-commerce is able to help business actors to maintain their business activities, as well as to help consumers maintain purchasing power to meet their needs.
The Analysis of Factors Influencing Customer in Choosing Financial Service Product at Sharia Multifinance Deni Nasri; Mukhamad Najib; Eng Saiful Anwar
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v4i2.592

Abstract

In recent years consumer behaviour plays an important role on influencing customers' preferences to use a financing service. Contemporary consumers are becoming more selective in their choices, as they are more well-informed of a particular product or service. This research investigates the decision-making process which influence customers in choosing a financing service, by analysing the influence of religiosity, TPB (attitude towards behavior, subjective norm, perceived behavioral control), and product attribute that drives customers' intent in choosing financial services in sharia multifinance. To address this notion, we collected sample feedback from 160 respondents, who are active customers of Unit Usaha Syariah (UUS) multifinance ABC. The methododology used in this research is Structural Equation Modeling-Partial Least Square (SEM-PLS). The result shows that factors such as religiosity, attitude towards behavior, subjective norms and product attribute affect consumers' intention in purchasing a financing service. On the other hand, perceived behavioral control has no significant influence on consumers' decision-making. Therefore, it is imperative for those involved in the sharia multifinance industry to gain more insight in order to perceive market opportunities based on consumer behavior by developing suitable marketing strategies in order to capture their interest to opt for financing services in sharia multifinance. Keywords: Consumer behaviour, religiosity, TPB, attribute product, sharia multifinance

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