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Dadang Husen Sobana
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Program Studi Manajemen Keuangan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Sunan Gunung Djati Bandung Jl. AH. Nasution No 105 40614 Bandung
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Finansha: Journal of Sharia Financial Management
Published by UIN Sunan Gunung Djati Bandung
ISSN : 27750868     EISSN : 27742687     DOI : https://doi.org/10.15575/fsfm.v1i2
Core Subject : Economy,
Economics, Econometrics & Finance
This journal aims to broaden and create innovative concepts, theories, paradigms, perspectives, and methodologies within the scope mentioned above. The scope of this journal will include but is not limited to Islamic economics, sharia business, Islamic banking, Islamic capital market, Islamic wealth management, issues of implementation/practice of sharia banking, zakat, and waqf, takaful, corporate sharia finance, management. Sharia-compliant risks, Islamic derivatives, Sharia Supervisory Board issues, Islamic business ethics, Islamic accounting, and Islamic auditing.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 100 Documents
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MAQASHID SHARIA AND CUSTOMER DECISIONS IN ISLAMIC HOUSING FINANCE: EVIDENCE FROM WEST JAVA Ramadhan, Fajri Haykal; Ismal, Rifky
Finansha: Journal of Sharia Financial Management Vol 5, No 2 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i2.38520

Abstract

The purpose of this study is to analyze Maqashid Sharia, specifically dharuriyat (necessities) proxied by service quality, hajiat (complementary needs) proxied by location, and tahsiniyat (embellishments) proxied by promotion, on customer decisions within the FLPP program in Islamic banking in West Java. This study adopts a quantitative research approach. Primary data were collected through a structured questionnaire, with the sampling technique employed being purposive sampling. The sample size consists of 100 customers of BJB Syariah and BTN Syariah involved in the FLPP (Housing Financing Liquidity Facility) program in West Java. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM).The study concludes that the variables dharuriyat, hajiat, and tahsiniyat significantly influence customer decisions in the FLPP program, accounting for 75.5% of the decision-making process, categorized as strong. Among these, the dharuriyat variable, represented by service quality, has the highest impact, contributing 72.5%. The findings imply that customers' decisions to secure a home through the FLPP program are primarily driven by their housing needs rather than investment motives. In contrast, the tahsiniyat variable, represented by promotion, exhibits the lowest impact at 21%. This outcome indicates that tahsiniyat elements, which enhance the aesthetic and convenience aspects of life, are not critical to fulfilling essential or complementary needs (dharuriyat and hajiat). Thus, their absence does not pose significant difficulties or threats to these core elements.
INTEGRATING TECHNOLOGY SKILLS WITH INTERPERSONAL COMPETENCIES TO ENHANCE GRADUATE EMPLOYABILITY IN MALAYSIAN TECHNICAL UNIVERSITY NETWORKS Wong, Reynold; Saraih, Ummi Naiemah
Finansha: Journal of Sharia Financial Management Vol 5, No 2 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i2.41400

Abstract

The Fourth Industrial Revolution (4IR) has heightened the demand for graduates equipped with a balanced integration of technological skills and interpersonal competencies to meet the evolving needs of the workforce. This concept paper explores the critical role of technology skills as a moderating factor in enhancing the impact of self-efficacy, soft skills, and personality traits on graduate employability within the Malaysian Technical University Network (MTUN). By examining these relationships, the study provides a framework to align graduate training with the demands of technology-driven industries. The findings emphasize the importance of embedding both technical and interpersonal skills into educational curricula to equip graduates for dynamic, technology-centric workplaces. This paper offers actionable insights to guide curriculum reforms, ensuring graduates are holistically prepared to thrive in the rapidly evolving global economy shaped by 4IR advancements.
EXPLORING THE FACTORS AFFECTING PURCHASE BEHAVIOR OF ORGANIC FOOD: A STUDY ON DHAKA CITY Miah, MD Qaium; Jim, Mahafizur Rahman
Finansha: Journal of Sharia Financial Management Vol 5, No 2 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i2.40804

Abstract

Organic food’s demand is expanding day by day as organic food is healthier and environmental-friendly compared to nonorganic food. The awareness of organic food also is rising in the Asia-pacific region. Consumers’ buying pattern of organic food has dramatically changed during the time. This study’s aim is to examine the predictors of purchase intention and consumer buying pattern of organic food in Dhaka, Bangladesh. Data was collected from 310 organic food consumers and SEM (structural equation modeling) was used to analyze the data thorough using Smart PLS. The findings of the study showed that self-identity is the most important predictor of purchase intention of organic food in Dhaka, Bangladesh, health consciousness is the 2nd most significant predictor, and attitude is the 3rd most important predictor. Purchase intention is found to mediate the relationship between self-identity, health consciousness, and attitude with purchase behavior. The predictive role of subjective norm, moral norm, environmental concern, and the moderating role of trust and purchasing power were not proven in this study. This study provides important insights about the organic food market in Dhaka, Bangladesh.
ANALYSIS OF THE USE ACTIVITY BASED COSTING IN DETERMINING TUITION FEES Fasa, Azmi
Finansha: Journal of Sharia Financial Management Vol. 5 No. 1 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i1.30660

Abstract

Numerous educational institutions in Indonesia suffer financial deficits, negatively impacting educational quality. This study aims to ascertain the Tuition Fees at Nurul Fajri Islamic Boarding School Majalengka utilizing the Activity-Based Costing (ABC) method. It investigates the application of the ABC method in determining Tuition Fees within educational foundation institutions, a novel approach, particularly for pesantren foundations. The research adopts a qualitative methodology with a problem-focused approach. Data collection involved interviews and an analysis of pertinent financial and operational documents. Cost activity data was processed using ABC costing, resulting in tuition fees calculations based on the ABC method. These calculations were then juxtaposed with the Tuition Fees  established by the school administration. The analysis identified a cost discrepancy (undercharging), where the cost per student exceeded the total Tuition Fees income and School Operational Funds (SOF) or Government Subsidy. For junior high school grades 1, 2, and 3, the differences were Rp 68,092, Rp 65,877, and Rp 85,668, respectively. For high school levels 1, 2, and 3, the discrepancies were Rp 6,674, Rp 49,014, and Rp 51,354, respectively. The study recommends that the school increase the monthly tuition fees to adequately cover the actual costs of education.
OPTIMIZATION OF THE HALAL INDUSTRY SECTOR: THE POTENTIAL OF HALAL MEDIA AND ENTERTAINMENT IN INDONESIA Andani, Listia; Fathoni, Hamdan; Nurdiansyah, Irdan
Finansha: Journal of Sharia Financial Management Vol. 5 No. 1 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i1.31112

Abstract

 This research examines efforts to optimize the halal industry sector in Indonesia, with a particular focus on the potential of halal media and entertainment. The significant growth of the halal industry market presents a substantial opportunity for Indonesia, a nation with a predominantly Muslim population. A qualitative descriptive method is employed to investigate strategies for leveraging the potential of halal media and entertainment in Indonesia. The research emphasizes the analysis of relevant data related to the topic, aiming to enhance the appeal and contribution of the halal media and entertainment sector through a literature review approach.  By conducting an in-depth analysis of consumer trends and industry developments, this study provides a comprehensive perspective on the opportunities and challenges in the development of halal media and entertainment. Special attention is given to regulatory and promotional strategies to maximize the potential of this sector. The findings of this research are anticipated to offer practical guidance for stakeholders in the halal industry, with the objective of reinforcing Indonesia's position as a leader in the global halal industry. The implications of this study include the development of more effective strategies to increase public awareness and industry participation, as well as providing a foundation for policy development that supports the sustainable growth of the halal media and entertainment sector in Indonesia.
GREEN CUSTOMER VALUE AND GREEN MARKETING AS ENCOURAGING SUPPORT GREEN PURCHASE INTENTION Hermayanti, Alma Bella; Heryana, Toni; Ramdhany, Muhammad Arief; Ansamu, Umar
Finansha: Journal of Sharia Financial Management Vol. 5 No. 1 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i1.31751

Abstract

This study examines the influence of Green Customer Value on Green Purchase Intention, both directly and indirectly, through Green Marketing in Indonesia. Utilizing a quantitative approach, data was collected from 95 respondents aged 18-50 via an online survey. The findings indicate that Green Customer Value significantly impacts Green Marketing, underscoring that consumers' eco-friendly values enhance the effectiveness of green marketing strategies. Furthermore, Green Marketing significantly influences Green Purchase Intention, highlighting the importance of sustainability-focused marketing strategies in driving consumer purchase intentions. However, Green Customer Value does not directly affect Green Purchase Intention. Instead, its indirect effect, mediated by Green Marketing, emphasizes the need for integrating green marketing strategies to bridge the gap between consumer values and purchasing behavior. These results contribute to the literature by elucidating the components of Green Customer Value and their impact on marketing strategies. The study offers practical insights for businesses aiming to enhance eco-friendly consumer perceptions and drive sustainable purchasing decisions.
BIBLIOMETRIC STUDY OF FINANCIAL LITERACY AND RISK TOLERANCE ON INVESTMENT DECISIONS Nisa, Karimatun; Wahono, Puji; Silaningsih, Endang
Finansha: Journal of Sharia Financial Management Vol. 5 No. 1 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i1.31993

Abstract

This study aims to analyze trends and developments in research on the relationship between financial literacy, risk tolerance, and investment decisions. Employing a bibliometric analysis methodology, the study utilizes data from international publications in the Google Scholar database collected through Publish or Perish software. The analysis covers the publication period from 2017 to 2022 and includes a review of 498 articles using keywords such as financial literacy, risk tolerance, and investment decisions. VOSviewer software was employed for data analysis. The analysis reveals increased attention to topics such as risk appetite, financial markets, and performance, despite a declining trend in publications on financial literacy, risk tolerance, and investment decisions. Significant gaps in the literature are identified, particularly in areas such as financial risk tolerance, financial education, enterprise risk management, and investment horizon.  Future research should focus on these underexplored areas to develop personalized investment strategies and enhance financial education. Recommendations include the creation of targeted financial education programs and tools to improve the assessment of risk tolerance. This study provides valuable insights into the evolving landscape of financial literacy and risk tolerance research. It underscores the importance of these factors in making informed investment decisions and offers a foundation for future studies to build upon.
MURABAHAH FINANCING REPAYMENT OPTIMIZATION THROUGH 5C CREDIT ANALYSIS Rapiyudin, Raply; Alifa, Nabiela Rizki
Finansha: Journal of Sharia Financial Management Vol. 5 No. 1 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i1.33265

Abstract

This study investigates the impact of the 5C credit analysis principles (Character, Capacity, Capital, Collateral, and Conditions of Economics) on the smoothness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit either simultaneously or partially. Micro, Small, and Medium Enterprises (MSE) often face challenges due to a lack of business capital, despite financial products introduced by institutions like Savings and Loans Cooperatives and KSPPS BMT. Persisting issues in payment smoothness necessitate a comprehensive examination, particularly in credit analysis. This research employs a quantitative approach with logistic regression tests on a sample of 101 respondents using statistical techniques such as  regression analiysis, wald test, and omnibus test of model coefficients. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit. Findings from the Omnibus Test of Model Coefficients confirm that the 5C principles collectively impact payment smoothness. Moreover, the Wald test identifies Character, Capacity, and Conditions of Economics as significant contributors to the effectiveness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit.
ISLAMIC FINTECH LENDING DETERMINANTS USING ISLAMIC FINANCIAL LITERACY AS A MODERATION VARIABLE Mahmud, Muhammad Daud Bin; Quilim, Cici Aryansi; Salmatia, Salmatia
Finansha: Journal of Sharia Financial Management Vol. 5 No. 1 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i1.33870

Abstract

This study aims to determine the financial literacy of MSME actors in Morotai Island Regency as well as their erceptions in utilizing islamic fintech lending as an alternative business funding. Moderated Regression Analysis (MRA) with SPSS version 25 is the analysis approach used. 108 MSME units in six randomly chosen sub-districts received questionnaires with slovin technique, which was applied with a 0.05 margin of error and predetermined criteria. The study's findings demonstrate that the usage of islamic fintech lending is highly influenced by the perceived usefulness and ease of use of fintech. In addition, this study discovered that the impact of perceived usefulness and perceived ease of use on the frequency with which MSMEs use islamic fintech lending is not moderated by islamic financial literacy. The study's practical contribution is the realization that islamic financial literacy apart cannot be as a criteria for evaluating how MSME utilize islamic fintech lending to obtain funding for company expansion. Further research is necessary on digital literacy, which refers to MSME actors' ability in utilizing technology and digital platforms to obtain fintech funding. In addition, it's essential to focus on external factors like the availability of Islamic financial technology funding education and training for MSME.
THE EFFECT OF EASE OF DOING BUSINESS (EODB) AND CORRUPTION PERCEPTIONS INDEX (CPI) ON FOREIGN DIRECT INVESTMENT (FDI) IN ASEAN Firdaus, Firdaus; Fakhruddin, Imam; Fitradinata, Kheqal; Hidayat, Riyan
Finansha: Journal of Sharia Financial Management Vol. 5 No. 2 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i2.34965

Abstract

The background of this study is the instability of foreign investment in Southeast Asia due to declining corporate revenues and the Covid-19 pandemic, which has caused economic uncertainty and delayed investments by multinational companies. This study aims to examine the influence of the Ease of Doing Business (EoDB) and the Corruption Perception Index (CPI) on Foreign Direct Investment (FDI) in ASEAN. The research employs Structural Equation Modeling using Partial Least Square (SEM-PLS 4) software. The population in this study includes all countries in the Southeast Asian region, with a total sampling or census approach. The results indicate that the Ease of Doing Business does not affect Foreign Direct Investment. This is largely due to the low EoDB index scores in most ASEAN countries. In contrast, the Corruption Perception Index has a positive and significant effect on Foreign Direct Investment, suggesting that foreign investors have greater confidence to invest and feel that their substantial funds will be safer. The implications of this study suggest that ASEAN governments must enhance the investment climate by implementing regulatory reforms that promote the Ease of Doing Business and reduce corruption levels. These efforts are expected to improve regional competitiveness and attract more foreign investment, ultimately accelerating economic growth and infrastructure development in the region.

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