cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Early Ridho Kismawadi
Contact Email
Kismawadi@iainlangsa.ac.id
Phone
+6285276005811
Journal Mail Official
kismawadi@iainlangsa.ac.id
Editorial Address
Jl Meurandeh
Location
Kota langsa,
Aceh
INDONESIA
Ihtiyath : Jurnal Manajemen Keuangan Syariah
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : -     EISSN : 25810219     DOI : https://doi.org/10.32505/ihtiyath.v7i1.5682
Core Subject : Religion, Economy, Humanities, Art, Social,
Religion Arts Humanities Economics, Econometrics & Finance Social Sciences
Ihtiyath : Jurnal Manajemen Keuangan Syariah was published by the Faculty of Economics and Islamic Business IAIN Langsa which aims to disseminate research results and ideas of academics and practitioners in the field of Islamic finance management. The topics in Ihtiyath Journal include sharia financial management, sharia marketing, sharia retail management, human resource management, operational management, strategy management, international business, small and medium scale businesses, entrepreneurship, and sharia tourism management and other themes that related to sharia financial management. Ihtiyath Journal is published since 2017 with a publishing period of 2 (two) times a year, namely September and Desember. And since 2021 Published Twice a year (June and December).
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 225 Documents
 18   19   20   21   22 
ISLAMIC FINANCIAL LITERACY AND INCLUSION LEVEL Muksal, Muksal; Nevi Hasnita; Putri Nazirah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5765

Abstract

ISLAMIC FINANCIAL LITERACY AND INCLUSION LEVEL Abstract Purpose: This study aims to assess the level of literacy and inclusion of Islamic finance in the city of Banda Aceh following the implementation of Qanun No. 11 of 2018 on Islamic Financial Institutions. The research seeks to contribute insights into the impact of regulatory measures on financial literacy and inclusion in a region with a specific focus on Islamic finance. Design/methodology/approach: A descriptive qualitative method employing a questionnaire was used to gather data for this study. The research analyzed the responses to evaluate the changes in Islamic financial literacy and inclusion among the residents of Banda Aceh. Findings: The results indicate a notable increase in Islamic financial literacy from 71.99% to 89.70%, accompanied by an Islamic financial inclusion rate of 83.4%. Categorizing these results according to Chen and Volpe's criteria, the Islamic financial literacy and inclusion in Banda Aceh City fall into the high category. The findings underscore the positive impact of Qanun No. 11 of 2018, suggesting an enhanced understanding of Islamic financial concepts among the residents. Research limitations/implications: While the study provides valuable insights, it is essential to acknowledge some limitations. The research focuses on a specific geographic location, and the results may not be generalizable to other regions. Additionally, the study relies on self-reported data, which may be subject to respondent bias. Practical implications: The findings of this study emphasize the importance of improving Islamic financial literacy. Residents of Banda Aceh City are encouraged to enhance their knowledge of various financial topics, including budgeting, investing, credit, insurance, and retirement planning. Increased financial literacy can empower individuals to make more informed decisions when utilizing services and products offered by financial institutions. Keywords: Literacy; inclusion, Islamic Finance TINGKAT LITERASI DAN INKLUSI KEUANGAN SYARIAH Abstrak Tujuan: Penelitian ini bertujuan untuk mengkaji tingkat literasi dan inklusi keuangan syariah di Kota Banda Aceh pasca penerapan Qanun No. 11 Tahun 2018 tentang Lembaga Keuangan Syariah. Penelitian ini bertujuan untuk menyumbangkan wawasan tentang dampak langkah-langkah pengaturan terhadap literasi dan inklusi keuangan di suatu wilayah dengan fokus khusus pada keuangan Islam. Desain / metodologi / pendekatan: Metode kualitatif deskriptif menggunakan kuesioner digunakan untuk mengumpulkan data untuk penelitian ini. Penelitian ini menganalisis tanggapan untuk mengevaluasi perubahan literasi dan inklusi keuangan Islam di antara penduduk Banda Aceh. Kesimpulan: Hasilnya menunjukkan peningkatan literasi keuangan syariah yang signifikan dari 71,99% menjadi 89,70%, disertai dengan tingkat inklusi keuangan syariah sebesar 83,4%. Mengkategorikan hasil ini sesuai dengan kriteria Chen dan Volpe, literasi dan inklusi keuangan syariah di Kota Banda Aceh termasuk dalam kategori tinggi. Temuan ini menggarisbawahi dampak positif Qanun No. 11 tahun 2018, menunjukkan peningkatan pemahaman tentang konsep keuangan syariah di kalangan warga. Keterbatasan / implikasi penelitian: Meskipun penelitian ini memberikan wawasan yang berharga, penting untuk mengakui beberapa keterbatasan. Penelitian ini berfokus pada lokasi geografis tertentu, dan hasilnya mungkin tidak dapat digeneralisasikan ke wilayah lain. Selain itu, penelitian ini bergantung pada data yang dilaporkan sendiri, yang mungkin tunduk pada bias responden. Implikasi praktis: Temuan penelitian ini menekankan pentingnya meningkatkan literasi keuangan syariah. Warga Kota Banda Aceh didorong untuk meningkatkan pengetahuan mereka tentang berbagai topik keuangan, termasuk penganggaran, investasi, kredit, asuransi, dan perencanaan pensiun. Peningkatan literasi keuangan dapat memberdayakan individu untuk membuat keputusan yang lebih tepat ketika memanfaatkan layanan dan produk yang ditawarkan oleh lembaga keuangan. Kata kunci: Literasi; inklusi, Keuangan Islam
THE EFFECT OF PROFITABILITY AND COMPANY VALUE ON STOCK RETURNS IN THE INDONESIAN SHARIA STOCK INDEX DURING THE COVID-19 PANDEMIC Mutia Sumarni; Sophia Rahmah; Chahayu Astina
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5774

Abstract

THE EFFECT OF PROFITABILITY AND COMPANY VALUE ON STOCK RETURNS IN THE INDONESIAN SHARIA STOCK INDEX DURING THE COVID-19 PANDEMIC Abstract Purpose: This study aims to analyze the influence of return on assets (ROA) and price book value (PBV) on stock returns of companies listed in the Indonesian Sharia Stock Index during the COVID-19 pandemic. Design/methodology/approach: The research focuses on five companies within the Indonesian Sharia Stock Index, observed from 2019 to 2021. Panel data regression is employed, specifically using the fixed effect model with individual components to estimate the panel data model suitable for company stock values. Findings: The study reveals a positive and significant impact of return on assets (ROA) on stock returns, indicating that profitability influences stock performance. Additionally, price book value (PBV) is found to be significant in affecting stock returns. Research limitations/implications: The research is limited to the selected companies in the Indonesian Sharia Stock Index, and results may vary with different companies or industries. The study period covers the years 2019 to 2021, and subsequent developments may alter the dynamics of the relationships explored. Practical implications: The findings suggest that investors and financial analysts should consider both profitability (ROA) and price book value (PBV) when evaluating the potential returns of companies listed in the Indonesian Sharia Stock Index, particularly during the COVID-19 pandemic. Keywords: Fixed Effect Model, Return on Assets, Price Book Value, Stock Return, Indonesian Sharia Stock Index. PENGARUH PROFITABILITAS DAN NILAI PERUSAHAAN TERHADAP RETURN SAHAM DALAM INDEKS SAHAM SYARIAH INDONESIA SELAMA PANDEMI COVID-19 Abstrak Tujuan: Penelitian ini bertujuan untuk menganalisis pengaruh return on asset (ROA) dan price book value (PBV) terhadap return saham perusahaan yang tercatat dalam Indeks Saham Syariah Indonesia selama pandemi COVID-19. Desain/metodologi/pendekatan: Penelitian ini berfokus pada lima perusahaan dalam Indeks Saham Syariah Indonesia, yang diamati dari 2019 hingga 2021. Regresi data panel digunakan, khususnya menggunakan model efek tetap dengan komponen individual untuk memperkirakan model data panel yang sesuai dengan nilai saham perusahaan. Temuan: Studi ini mengungkapkan dampak positif dan signifikan dari pengembalian aset (ROA) terhadap pengembalian saham, menunjukkan bahwa profitabilitas mempengaruhi kinerja saham. Selain itu, nilai price book (PBV) ditemukan signifikan dalam mempengaruhi pengembalian saham. Keterbatasan / implikasi penelitian: Penelitian ini terbatas pada perusahaan yang dipilih dalam Indeks Saham Syariah Indonesia, dan hasilnya dapat bervariasi dengan perusahaan atau industri yang berbeda. Periode studi mencakup tahun 2019 hingga 2021, dan perkembangan selanjutnya dapat mengubah dinamika hubungan yang dieksplorasi. Implikasi praktis: Temuan menunjukkan bahwa investor dan analis keuangan harus mempertimbangkan profitabilitas (ROA) dan nilai buku harga (PBV) ketika mengevaluasi potensi pengembalian perusahaan yang terdaftar dalam Indeks Saham Syariah Indonesia, terutama selama pandemi COVID-19. Kata kunci: Fixed Effect Model, Return on Assets, Price Book Value, Stock Return, Indeks Saham Syariah Indonesia.
ANALYSIS OF DETERMINANTS OF BANK SYARIAH INDONESIA CUSTOMER SATISFACTION LEVEL fathurrahman, Ayif
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5799

Abstract

ANALYSIS OF DETERMINANTS OF BANK SYARIAH INDONESIA CUSTOMER SATISFACTION LEVEL Abstract Purpose: This study aims to analyze the determinants of customer satisfaction in Bank Syariah Indonesia (BSI) KCP Wirobrajan, focusing on factors such as tangible elements, reliability, responsiveness, assurance, empathy, and overall customer satisfaction. Design/methodology/approach: Primary data was collected from 100 respondents who were customers of BSI KCP Wirobrajan, Yogyakarta, using an accidental sampling method. The research employed a Likert scale questionnaire to gather data on tangible elements, reliability, responsiveness, assurance, empathy, and customer satisfaction. Multiple regression analysis was applied to examine the relationships between these variables. Findings: The study reveals that tangible elements, reliability, responsiveness, assurance, and empathy positively influence customer satisfaction in Bank Syariah Indonesia. The results underscore the importance of these factors in shaping the overall customer experience and satisfaction levels. Research limitations/implications: While the study contributes valuable insights, it is essential to acknowledge the limitations. The research is specific to BSI KCP Wirobrajan in Yogyakarta, and variations may occur in different regions or with different research objects. Additionally, the study is based on primary data collected through a questionnaire, which may have inherent biases. Practical implications: The findings of this research have practical implications for Bank Syariah Indonesia in enhancing customer satisfaction. By focusing on tangible elements, reliability, responsiveness, assurance, and empathy, the bank can improve its overall service quality, leading to higher customer satisfaction and loyalty. Keywords: Tangible, Reliability, Responsiveness, Assurance, Empathy, Customer Satisfaction, Bank Syariah, Service Quality. ANALISIS DETERMINAN TINGKAT KEPUASAN NASABAH BANK SYARIAH INDONESIA Abstrak Tujuan: Penelitian ini bertujuan untuk menganalisis determinan kepuasan nasabah di Bank Syariah Indonesia (BSI) KCP Wirobrajan, dengan fokus pada faktor-faktor seperti elemen nyata, keandalan, daya tanggap, jaminan, empati, dan kepuasan pelanggan secara keseluruhan. Desain/metodologi/pendekatan: Data primer dikumpulkan dari 100 responden yang merupakan pelanggan BSI KCP Wirobrajan, Yogyakarta, dengan metode accidental sampling. Penelitian ini menggunakan kuesioner skala Likert untuk mengumpulkan data tentang elemen nyata, keandalan, daya tanggap, jaminan, empati, dan kepuasan pelanggan. Analisis regresi berganda diterapkan untuk menguji hubungan antara variabel-variabel ini. Kesimpulan: Penelitian ini mengungkapkan bahwa elemen nyata, keandalan, daya tanggap, jaminan, dan empati berpengaruh positif terhadap kepuasan nasabah di Bank Syariah Indonesia. Hasilnya menggarisbawahi pentingnya faktor-faktor ini dalam membentuk pengalaman pelanggan secara keseluruhan dan tingkat kepuasan. Keterbatasan / implikasi penelitian: Meskipun penelitian ini menyumbangkan wawasan yang berharga, penting untuk mengakui keterbatasan tersebut. Penelitian ini khusus untuk BSI KCP Wirobrajan di Yogyakarta, dan variasi dapat terjadi di berbagai daerah atau dengan objek penelitian yang berbeda. Selain itu, penelitian ini didasarkan pada data primer yang dikumpulkan melalui kuesioner, yang mungkin memiliki bias yang melekat. Implikasi praktis: Temuan penelitian ini memiliki implikasi praktis bagi Bank Syariah Indonesia dalam meningkatkan kepuasan nasabah. Dengan berfokus pada elemen nyata, keandalan, daya tanggap, jaminan, dan empati, bank dapat meningkatkan kualitas layanannya secara keseluruhan, yang mengarah pada kepuasan dan loyalitas pelanggan yang lebih tinggi. Kata kunci: Tangible, Reliability, Responsiveness, Assurance, Empathy, Customer Satisfaction, Bank Syariah, Service Quality.
THE ANALYSIS OF THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANK IN INDONESIA VIEWED FROM CORPORATE GOVERNANCE AND SHARIA COMPLIANCE Alfadri, Ferri Alfadri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5857

Abstract

ANALYSIS OF THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANK IN INDONESIA VIEWED FROM CORPORATE GOVERNANCE AND SHARIA COMPLIANCE Abstract Purpose: This quantitative study aims to analyze the influence of Corporate Governance (CG) and Sharia Compliance (SC) on the financial performance of Sharia Commercial Banks in Indonesia from 2014 to 2020. The research investigates the impact of these factors, both individually and collectively, on key financial indicators. Design/methodology/approach: The study utilizes panel data analysis with a sample of 49 observations. Data sources include reports from the official websites of the Financial Services Authority and Bank Indonesia. Sharia Compliance is assessed using profit-sharing ratios (PSR), zakat performance ratios (ZPR), and equitable distribution ratios (EDR). Quantitative techniques, specifically panel data analysis, are employed for data processing. Findings: The analysis reveals that the ratios of PSR, ZPR, EDR, and Islamic Corporate Governance (ICG) significantly impact the financial performance of Islamic banks, explaining 76.38% of the variance (R² = 0.762975). However, 23.62% of the financial performance variation is attributed to other variables not included in the study. Research limitations/implications: Limitations include the specific focus on Sharia Commercial Banks in Indonesia, and the study's reliance on self-reported data. The results emphasize the importance of CG and SC but acknowledge the presence of unexplored factors influencing financial performance. Practical implications: The study suggests that improving CG and SC practices can enhance the financial performance of Islamic banks. Sharia Commercial Banks are encouraged to focus on PSR, ZPR, and EDR as indicators of Sharia Compliance to build customer trust and loyalty. Keywords: Corporate Governance, Sharia Compliance, financial performance ANALISIS KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA DILIHAT DARI TATA KELOLA PERUSAHAAN DAN KEPATUHAN SYARIAH Abstrak Tujuan: Penelitian kuantitatif ini bertujuan untuk menganalisis pengaruh Corporate Governance (CG) dan Sharia Compliance (SC) terhadap kinerja keuangan Bank Umum Syariah di Indonesia dari tahun 2014 hingga 2020. Penelitian ini menyelidiki dampak dari faktor-faktor ini, baik secara individu maupun kolektif, pada indikator keuangan utama. Desain / metodologi / pendekatan: Penelitian ini menggunakan analisis data panel dengan sampel 49 pengamatan. Sumber data meliputi laporan dari situs resmi Otoritas Jasa Keuangan dan Bank Indonesia. Kepatuhan Syariah dinilai menggunakan rasio bagi hasil (PSR), rasio kinerja zakat (ZPR), dan rasio distribusi yang adil (EDR). Teknik kuantitatif, khususnya analisis data panel, digunakan untuk pengolahan data. Temuan: Analisis mengungkapkan bahwa rasio PSR, ZPR, EDR, dan Islamic Corporate Governance (ICG) secara signifikan mempengaruhi kinerja keuangan bank syariah, menjelaskan 76,38% varians (R² = 0,762975). Namun, 23,62% dari variasi kinerja keuangan dikaitkan dengan variabel lain yang tidak termasuk dalam penelitian. Keterbatasan / implikasi penelitian: Keterbatasan termasuk fokus khusus pada Bank Umum Syariah di Indonesia, dan ketergantungan penelitian pada data yang dilaporkan sendiri. Hasilnya menekankan pentingnya CG dan SC tetapi mengakui adanya faktor-faktor yang belum dijelajahi yang mempengaruhi kinerja keuangan. Implikasi praktis: Studi ini menunjukkan bahwa meningkatkan praktik CG dan SC dapat meningkatkan kinerja keuangan bank syariah. Bank Umum Syariah didorong untuk fokus pada PSR, ZPR, dan EDR sebagai indikator Kepatuhan Syariah untuk membangun kepercayaan dan loyalitas nasabah. Kata kunci: Tata Kelola Perusahaan, Kepatuhan Syariah, kinerja keuangan
THE EFFECT OF MARKETING MIX STRATEGY ON MEMBERS' INTEREST IN USING FINANCING PRODUCTS MURABAHAH Malihah, Lola
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5928

Abstract

THE EFFECT OF MARKETING MIX STRATEGY ON MEMBERS' INTEREST IN USING FINANCING PRODUCTS MURABAHAH Abstract Purpose: This research aims to explore the influence of the marketing mix strategy on members' interest in utilizing Murabahah financing products offered by BMT Khairul Amin Martapura, a growing Islamic financial institution facing competitive dynamics with conventional financial institutions. Design/methodology/approach: Conducted as field research with a quantitative approach, this study focuses on the marketing mix variables, namely product, promotion, people, and place. The sample consists of 82 respondents, members of BMT Khairul Amin Sukaramai Branch Office, with data analyzed using F-test, T-test, and coefficient of determination (R2). Findings: The study reveals that the marketing mix variables, including product, promotion, people, and place, collectively have a significant impact on members' interest in utilizing Murabahah financing service products. Individually, the people and place variables partially influence member interest, while the product and promotion variables do not exhibit a partial effect. Research limitations/implications: The research is limited to a specific Islamic financial institution and may not be directly generalizable to other institutions or contexts. The study's findings provide insights into the importance of marketing mix elements in influencing members' interest in Murabahah financing. Practical implications: The findings suggest that BMT Khairul Amin Martapura can enhance its member engagement by strategically managing the marketing mix elements, particularly focusing on people and place aspects. Keywords: Marketing Mix Strategy, Member Interest, Murabahah Financing, Islamic Financial Institution PENGARUH STRATEGI BAURAN PEMASARAN TERHADAP MINAT ANGGOTA DALAM MENGGUNAKAN PRODUK PEMBIAYAAN MURABAHAH Abstrak Tujuan: Penelitian ini bertujuan untuk mengeksplorasi pengaruh strategi bauran pemasaran terhadap minat anggota dalam memanfaatkan produk pembiayaan Murabahah yang ditawarkan oleh BMT Khairul Amin Martapura, lembaga keuangan syariah yang sedang berkembang menghadapi dinamika persaingan dengan lembaga keuangan konvensional. Desain/metodologi/pendekatan: Dilakukan sebagai penelitian lapangan dengan pendekatan kuantitatif, penelitian ini berfokus pada variabel bauran pemasaran, yaitu produk, promosi, orang, dan tempat. Sampel terdiri dari 82 responden, anggota BMT Kantor Cabang Khairul Amin Sukaramai, dengan data dianalisis menggunakan uji-F, uji-T, dan koefisien determinasi (R2). Temuan: Penelitian ini mengungkapkan bahwa variabel bauran pemasaran, termasuk produk, promosi, orang, dan tempat, secara kolektif memiliki dampak signifikan terhadap minat anggota dalam memanfaatkan produk layanan pembiayaan murabahah. Secara individual, variabel orang dan tempat sebagian mempengaruhi minat anggota, sedangkan variabel produk dan promosi tidak menunjukkan efek parsial. Keterbatasan / implikasi penelitian: Penelitian ini terbatas pada lembaga keuangan Islam tertentu dan mungkin tidak dapat digeneralisasikan secara langsung ke lembaga atau konteks lain. Temuan penelitian ini memberikan wawasan tentang pentingnya elemen bauran pemasaran dalam mempengaruhi minat anggota dalam pembiayaan murabahah. Implikasi praktis: Temuan menunjukkan bahwa BMT Khairul Amin Martapura dapat meningkatkan keterlibatan anggotanya dengan mengelola elemen bauran pemasaran secara strategis, terutama berfokus pada aspek orang dan tempat. Kata kunci: Strategi Bauran Pemasaran, Minat Anggota, Pembiayaan Murabahah, Lembaga Keuangan Syariah
THE INFLUENCE OF FINANCIAL LITERACY, RELIGIOSITY AND SOCIAL MEDIA ON ONLINE SHOPPING CONSUMPTIVE BEHAVIOR Mastura; Yuni Safitri; Amiruddin Yahya
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.6079

Abstract

THE INFLUENCE OF FINANCIAL LITERACY, RELIGIOSITY AND SOCIAL MEDIA ON ONLINE SHOPPING CONSUMPTIVE BEHAVIOR Abstract Purpose: This study aims to investigate the partial and simultaneous influences of financial literacy, religiosity, and social media on online shopping consumptive behavior among students. Design/methodology/approach: The research employs a quantitative method using primary data from 98 respondents, analyzed through multiple linear regression. The study assesses the impact of financial literacy, religiosity, and social media on online shopping consumptive behavior. Findings: The results indicate that, individually, financial literacy and religiosity do not have a significant effect on consumptive behavior. However, social media has a significant positive impact. Simultaneously, when considering all factors together, there is a joint relationship between financial literacy, religiosity, and social media with online shopping consumptive behavior. Research limitations/implications: This study is limited to a specific sample of 98 respondents, and the findings may not be generalized to broader populations. The research provides insights into the interplay of financial literacy, religiosity, and social media on consumptive behavior, but individual variations may exist. Practical implications: The research encourages students to be more mindful of spending and financial management. Emphasizing the role of social media in shaping consumptive behavior, it suggests interventions to promote efficient consumption and responsible online shopping practices. Keywords: Financial Literacy, Religiosity, social media, Consumptive Behavior. PENGARUH LITERASI KEUANGAN, RELIGIUSITAS DAN MEDIA SOSIAL TERHADAP PERILAKU KONSUMTIF BELANJA ONLINE Abstrak Tujuan: Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, religiusitas, dan media sosial secara parsial dan simultan terhadap perilaku konsumtif belanja online di kalangan mahasiswa. Desain/metodologi/pendekatan: Penelitian ini menggunakan metode kuantitatif dengan menggunakan data primer dari 98 responden, yang dianalisis melalui regresi linier berganda. Studi ini mengkaji dampak literasi keuangan, religiusitas, dan media sosial terhadap perilaku konsumtif belanja online. Temuan: Hasil penelitian menunjukkan bahwa, secara individual, literasi keuangan dan religiusitas tidak berpengaruh signifikan terhadap perilaku konsumtif. Namun, media sosial memiliki dampak positif yang signifikan. Secara bersamaan, ketika mempertimbangkan semua faktor secara bersamaan, ada hubungan bersama antara literasi keuangan, religiusitas, dan media sosial dengan perilaku konsumtif belanja online. Keterbatasan / implikasi penelitian: Penelitian ini terbatas pada sampel spesifik dari 98 responden, dan temuan mungkin tidak digeneralisasi ke populasi yang lebih luas. Penelitian ini memberikan wawasan tentang interaksi literasi keuangan, religiusitas, dan media sosial tentang perilaku konsumtif, tetapi variasi individu mungkin ada. Implikasi praktis: Penelitian ini mendorong siswa untuk lebih memperhatikan pengeluaran dan manajemen keuangan. Menekankan peran media sosial dalam membentuk perilaku konsumtif, ini menyarankan intervensi untuk mempromosikan konsumsi yang efisien dan praktik belanja online yang bertanggung jawab. Kata kunci: Literasi Keuangan, Religiusitas, media sosial, Perilaku Konsumtif.
Penerapan UTAUT untuk Mengukur Kepuasan Pelanggan Mobile Banking Perbankan Syariah Zulkarnain, Muhammad; Junita Safitri; Yulina Astuti
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 2 (2023): Vol.7 No.2 Desember 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i2.6879

Abstract

The ever-developing information technology requires that every element of society and companies must innovate and adapt. These developments are also used by banking companies and in this research Islamic banks. The purpose of this study was to determine the level of satisfaction of customers as customers of banks using the Unified Theory of Acceptance and Use of Technology (UTAUT) Model approach. Methods of data analysis using quantitative data with data analysis techniques using Path Analysis. The results of the analysis show an indirect relationship to a significant proposition, among which a significant indirect effect is Interest in using Mobile Banking (BI) affects Bank Customer Satisfaction (CS) through the Use of Mobile Banking (AU) positively and significantly. Facilitating Conditions affect Bank Customer Satisfaction (CS) through the actual use of mobile banking (AU). Social influence (SI) affects the actual use of Mobile Banking (AU) through the interest to use Mobile Banking (BI) in a positive and significant way. In addition, Social Influence (SI) also affects Bank Customer Satisfaction (CS) through the actual Mobile Banking Use (AU) variable positively and significantly
The Role of Zakat in Ensuring Sustainability of Economic Growth and Prosperity Through Decent Work Abdul Hamid; Jamaluddin
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 2 (2023): Vol.7 No.2 Desember 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i2.6998

Abstract

Sustainable Development Goals (SDGs) are a global action plan agreed upon by world leaders, including Indonesia, to end poverty, reduce inequality, and protect the environment by 2030. Eradicating poverty, ending hunger, improving health and education quality are among 17 SDGs. In an Islamic perspective, SDGs are not something new, because Islam already has a zakat instrument for promoting economic welfare and a quality life based on principles of justice. This study aims to empirically measure and analyze the extent to which zakat has played a role in improving the Human Development Index (HDI) in Aceh province. A total of 100 mustahik, who receiving zakat for business working capital distributed by Baitul Mal in Aceh provinces were selected as respondents of the study using purposive sampling technique. Primary data obtained from questionnaires distribution were analyzed using multiple regression technique. Zakat funds for business working capital are believed to have an effective effect on promoting HDI and at the same time support the realization of the achievement of SDGs, particularly the reduction of poverty and hunger, improving the quality of health and education of mustahik. To accelerate the realization of the SDGs, zakat institutions must be managed professionally. The collection of zakat funds to be distributed as working capital for the productive economic activities of the mustahik must be increased.
Minat Beli Konsumen Hidroponik : Ditinjau dari Green Product, Price dan Location di Muria Kudus Karsono, Lorena Dara Putri; Salmaa, Khananus
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 2 (2023): Vol.7 No.2 Desember 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i2.7168

Abstract

Raya Hidroponik Muria is trying to increase buying interest in its hydroponic vegetables, but in reality there are certain groups who have not reached hydroponic vegetable products because of a lack of awareness about the environment and health. In addition to the high price of hydroponic vegetables and production that is difficult to access, it is still a problem for consumers. The purpose of this research is to empirically interpret the effect of green product, price, location on consumer buying interest Raya Hydroponics Muria. The population in this study were consumers Raya Hydroponics Muria Kudus, with the technique used in sampling in the form of incidental sampling and using a convenience sampling approach because the population size was unknown, so that the sample in this study was obtained by 100 respondents. The type of research used is field research with a quantitative approach the hypothesis that has been carried out through multiple linear regression analysis using SPSS 21.0. The results show that product has an effect on consumer buying interest, price has an effect on consumer buying interest, location has an effect on consumer buying interest and green product, price, location together influence consumer buying interest in Raya Hydroponic Muria.
Peramalan BI Rate Di Indonesia dengan Metode Time Series Model ARIMA Hasanah, Uswatun
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 2 (2023): Vol.7 No.2 Desember 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i2.7318

Abstract

Bi rate determination is one of the monetary policies carried out by the government to regulate the macroeconomic level. The determination of the Bi rate serves as one of the references for entrepreneurs in determining steps for business sustainability. In addition, determining the Bi rate can also control inflation by regulating the amount of money circulating in the community. This research implements the ARIMA model to forecast the BI rate in the period December 2023 to April 2024. Based on the results of the tests that have been carried out, using the best variable values, namely comparing AIC, SIC and HQC values in determining the best model, the ARIMA model (1,1,0) was chosen. The results of the forecasting value in this study that the Bi Rate for the next 5 months, starting from December 2023 to April 2024, shows a downtrend in the Bi rate value

Page 20 of 23 | Total Record : 225

 18   19   20   21   22 

Filter by Year

2017 2025


Reset
Filter By Issues
All Issue Vol 9 No 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah Vol 9 No 1 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024 Vol 8 No 1 (2024): Vol. 8 No.1 Juni 2024 Vol 7 No 2 (2023): Vol.7 No.2 Desember 2023 Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023 Vol 6 No 2 (2022): Volume.6 No. 2 (2022) Vol 6 No 1 (2022): Volume 6 No.1 Juni 2022 Vol 5 No 2 (2021) : Vol.5 No.2 Desember 2021 Vol 5 No 1 (2021): Vol 5 No 1 Juni 2021 Vol 4 No 2 (2020) : Vo.4 No.2 Desember 2020 Vol 4 No 1 (2020): Vol 4 No 1 September 2020 Vol 3 No 2 (2019): Vol 3 No 2 Desember 2019 Vol 3 No 1 (2019): Vol 3 No 1 September 2019 Vol 2 No 2 (2018): Vol 2 No 2 Desember 2018 Vol 2 No 1 (2018): Vol 2 No 1 September 2018 Vol 1 No 2 (2017): Vol 1 No 2 Desember 2017 Vol 1 No 1 (2017): Vol 1 No 1 September 2017 More Issue