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TSARWATICA (Islamic Economic, Accounting, and Management Journal)
Published by Sekolah Tinggi Ilmu Ekonomi Sutaatmadja
ISSN : 26858320     EISSN : 26858339     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
TSARWATICA (Islamic Economic, Accounting, and Management Journal) diterbitkan oleh Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Sekolah Tinggi Ilmu Ekonomi Sutaatmadja. Terbit dua kali dalam setahun (Februari dan Juli). Terbit perdana pada Juli 2019. Tujuan: 1) Menjadi media publikasi yang terpercaya dalam penyebarluasan ilmu syariah dalam bidang ekonomi, akuntansi dan manajemen. 2) Menjadi media dokumentasi pemikiran yang berbasis pada ilmu syariah dalam bidang ekonomi, akuntansi dan manajemen. 3) Menjadi media yang akan menunjang pengembangan keilmuan praktik ekonomi dan bisnis syariah. Setiap penerbitan minimal terdiri dari 5 judul artikel terkait rumpun ilmu syariah dalam bidang ekonomi, akuntansi dan manajemen.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 84 Documents
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FORMING HALAL TO BRAND? FACTORS AFFECTING CONSUMER'S INTENTION TO BUY HALAL BRANDS Gugyh Susandy; Reni Dian Octaviani; Rita Komaladewi; Susi Yasmin
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 3 No 2 (2022)
Publisher : STIESA Press

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Abstract

Around the world, many consumers (e.g. Muslim consumers) look for halal brands. The benefits of halal products affect consumer attitudes and behavior in terms of intention to buy halal products and willingness to pay for halal products (Azizi and Chok, 2013). The purpose of this study is to see the factors that influence consumer intention to buy halal brands. It was carried out by determining the branding instrument (brand image, perceived brand quality, brand satisfaction, brand loyalty, and brand loyalty) on the research questionnaire to explain the purchasing behavior of halal brands. Novelty: Indonesia and Malaysia are countries which are potential for not only halal food market, but also as a producer. However, the opportunity as a producer has not been fully utilized. Research Methods: This research used explanatory survey method, data were collected by means of an online questionnaire from sample of 52 respondents consisting of 47 Indonesian respondents (Bandung, Subang, Jakarta, Cianjur, Semarang, Yogyakarta and Majalengka Regent) and 5 Malaysian respondents (students of KUIS, Selangor) and analyzed using SPSS 22. Finding/Results: The research shows that brand image, brand perceived quality, brand satisfaction, brand trust, and brand loyalty have positive effect on brand purchase intention.
THE EFFECT OF SHARIA ACCOUNTING KNOWLEDGE, RELIGIUSITY, STUDENT'S PERCEPTION, MOTIVATION ON STUDENT'S INTEREST IN CAREER IN SHARIA FINANCIAL INSTITUTIONS (Empirical Studies in West Java Accounting Study Program Students) Asep Kurniawan; Fauzan As Shidik; Sri Mulyati
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 3 No 2 (2022)
Publisher : STIESA Press

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Abstract

The rapid development of the business world provides diverse job opportunities for the workforce, especially progress in the sharia business world in Indonesia, of course, it will continue to be accompanied by adequate infrastructure, including experts in the field of sharia business it self. The purpose of this study was to determine the relationship between knowledge of sharia accounting, religiosity, student perceptions and motivation to the interest of accounting students to have a career in sharia institutions. The context in this study is accounting students at universities in West Java. This study uses quantitative research methods using questionnaires. The sample selection used by the researcher is a random sampling technique This study aims to examine whether there is a relationship between Islamic accounting knowledge, religiosity, student perceptions, and motivation, on student interest in a career in Islamic financial institutions. This research was conducted by examining a sample of 210 students who were in West Java in 2022. The research method used in this study was survey research directly to the field and via whatsapp
ISLAMIC BUSINESS ETHICS IN TECHNOLOGY BASED BUSINESS Halim, Ismail; Fauzia, Fauzia; Afni, Nurul; Farida, Pusfa; Supriadi, Supriadi
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 3 No 2 (2022)
Publisher : STIESA Press

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Abstract

With this technological advancement, there are so many types of businesses that have sprung up such as startups and fintech (financial technology), where business people use more technological advances such as the use of the Internet of Things (IoT), Big Data, Artificial Intelligence/AI (Artificial Intelligence), as well as blockchain in running its business. With technological advances in this business, do not forget that there are ethics in running it. In Islam, ethics in online business (technological advances) have been regulated, such as individual data privacy, public data transparency, application process accountability, and including halal financial services. In line with the two types of businesses in finance, there are also types of businesses in buying and selling such as e-commerce and marketplaces. Examples of these types of businesses are Bukalapak, Tokopedia, Shopee and so on. Business ethics in buying and selling online is also regulated in Islam such as; (a) goods/services are traded in accordance with specifications, (b) there is an agreement (ijab and qabul) between the seller and the buyer, (c) upholding trust among transaction actors, (d) avoiding transactions prohibited by sharia, (e) provide good service to consumers. (f) not taking or stealing property belonging to others, (g) using a contract according to the type of transaction carried out, and (h) products/services being traded halal.
SHARIA COMPLIANCE : CONSUMER PERSPECTIVE IN E-COMMERCE PRACTICES Muhammad Ilyas Candra Herawan; Juliana Juliana; Arim Nasim; Firmansyah Firmansyah
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 3 No 2 (2022)
Publisher : STIESA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35310/tsarwatica.v3i02.991

Abstract

This research is backed by the rapid development of technology that makes it easier for people to do buying and selling activities. People can easily choose goods and transact only with smartphones that are connected to the Internet. But from the facilities offered, online trading is not separated from violations that are not in accordance with the principles of the rulings in Islam such as fraud, inconsistency of goods, inconsistency of the receipt of goods, and Mismatch between price and quality. The purpose of this study is to know and describe the implementation of sharia compliance in the perspective of consumers among students of the University of Indonesia education. As for the method used in this research is quantitative descriptive, the population is a student of Indonesian University of Education, research using sample 100 respondents representing every faculty in the university Indonesian education, with sampling techniques in a non-probabillity sampling manner. Based on the research done, it is known that consumer understanding among UPI students belongs to the good category, judging by the online buying and selling literature with the pillars and the terms of buying and selling greetings. This research has important implications for online buying and selling people, because Islam has arranged all human activities and online buying and selling including them. So, in practice online buying and selling is not only profit for the seller and ease of transaction for both parties, but also to get the blessing and reward of buying and selling activities in accordance with the principles of Islamic rules.
THE EFFECT OF ISLAMIC FINANCIAL LITERACY, RELIGIOSITY, SERVICE QUALITY AND PROMOTION TO INTEREST OF SAVING CUSTOMERS IN ISLAMIC BANKS Sugiharto, Bambang; Icih, Icih; Rizal, Asep
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 4 No 1 (2022)
Publisher : STIESA Press

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Abstract

This study aims to determine the effect of Islamic financial literacy, religiosity, service quality, and promotion on customer interest in saving at Islamic banks. The subjects in this study were customers of Bank Syariah Indonesia (BSI) KCP Subang. The sample used in this study was 115 respondents. The sampling technique is done by probability sampling. Data collection techniques in the form of questionnaires and documentation. The method used is quantitative. The data analysis technique used in this research is logistic regression. The results of this study indicate that the Islamic financial literacy variable has a positive and significant effect on customers' saving interest, religiosity has a positive and significant effect on customers' saving interest, service quality has a negative and significant effect on customers' saving interest, while promotion has no significant effect on customers' saving interest
BUSINESS PERFORMANCE OF MUSLIM ENTREPRENEURS: MASLAHAH SCORECARD PERSPECTIVE Mugni Fadil Romdhoni; Juliana Juliana; Hilda Monoarfa
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 4 No 1 (2022)
Publisher : STIESA Press

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Abstract

This research is based on some of scientists who mention that religious values can’t determine performance and in general and Muslims generally has low achievement. This research aims to find out the big picture of business performance of Muslims entrepreneurs, indicator that influences business performance of Muslims entrepreneurs the most and also the difference between business performance of overseas Muslims entrepreneurs and local Muslims entrepreneurs. The population of this research are Minangkabau Muslim entrepreneurs and Local Muslim entrepreneurs in Cirebon. Sampling technique that is used in this research is purposive sampling - quota sampling with total sample of 60 Muslim entrepreneurs that are divided into 3 areas; fotocopy/office stationery, fashion and culinary. Method that is used in this research is descriptive with a quantitative approach. Data analysis techniques that is used in this research are measuring tools Maslahah ScoreCard. The result of this research shows that these two ethnic have carried out business performances which have matched with the syariah with enough performance score in both process performance and results performance. Minangkabau muslim entrepreneurs have process performance 0,679 and 0,663 for the local muslim entrepreneurs. While in performance results, both get a performance score of 1 or have implemented benefits of all sizes. Although the performance results get full value in the implementation, but the achievement of every targets of Minangkabau Muslim entrepreneurs and local entrepreneurs in Cirebon City is still not optimal.
ANALYSIS OF MUDHARABAH FINANCING AND MUSYARAKAH FINANCING OF ISLAMIC COMMERCIAL BANKS IN INDONESIA BEFORE AND DURING THE COVID-19 PANDEMIC Sri Mulyati; Bambang Sugiharto; Syifa Ariella Putri; Annisa Putri Kartini
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 4 No 2 (2023)
Publisher : STIESA Press

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Abstract

This study aims to determine the development of mudharabah financing and musyarakah of Islamic commercial banks before and during the Covid-2019 pandemic and whether there are differences in mudharabah financing and musyarakah of Islamic commercial banks in Indonesia before and during the Covid-19 pandemic. This study used samples on Islamic commercial banks registered with the Financial Services Authority with conditions before (2018-2019 period) and during the Covid-19 pandemic (2020-2021 period). The data used in the study were secondary data with data collection techniques using online data tracing and analyzed using a quantitative descriptive method that compared data on mudharabah financing and islamic commercial bank musyarakah before and during the Covid-19 pandemic on annual financial statements and tested using a test tool, namely a paired sample t-test. The results of this study can be concluded that the development of mudharabah financing and musyarakah of Islamic commercial banks before and during the Covid-2019 pandemic experienced fluctuating developments. Then there is no significant difference between mudharabah and musyarakah financing of Islamic commercial banks in Indonesia before and during the covid-19 pandemic.
The impact of Income Diversification on Performance and Risk Taking: Case in Indonesia’s Shariah Banking during covid-19 Indra Maulana; Estu Widarwati; Nunik Nurmalasari; E Wityasminigsih
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 4 No 2 (2023)
Publisher : STIESA Press

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Abstract

The banking development is increasingly rapid and competition is an important aspect for maintaining the existence of a bank that can achieved by income optimalizing and minimazing of risk taking. This study examines the effect of income diversification on sharia bank’s performance, and also aims to test the effect of income diversification on performance and risk taking. The sharia bank’s performance proxied by return on equity and measurement of risk-taking using z-score. The samples are sharia banks registered in the financial services authority during 2019-2020. We use the descriptive statistic analysis and panel data regression processed by eviews 9. We found that income diversification not effect on both of performance and risk taking. During covid, sharia bank tends to have lower income diversification as same as lower performance, but having higher risk taking.
STRATEGY FORMULATION DESIGN IN MUALAT NAHDLATUL ULAMA SHARIA COOPERATIVE Mutqi Sopiawadi; Tigin Lugiani
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 4 No 2 (2023)
Publisher : STIESA Press

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Abstract

The fisheries sector is a sector that can have an influence on the increase in gross domestic product (GDP). Reporting from kkp.go.id the fisheries sub-sector showed positive growth, rising 9.69% in the second quarter of 2021 even though the co-19 pandemic was still hitting Indonesia. The increase was triggered by increased production of aquaculture and capture fisheries due to favorable weather. The Muamalat Nahdlatul Ulama Cooperative is a small people's economic institution, founded by Nahdhiyin Kasomalang residents who have a desire to work towards productive endeavors in increasing the economic activities of small entrepreneurs based on cooperative and Sharia principles. This research method uses descriptive research methods with a qualitative approach. So, based on the background and the phenomena that exist, the researcher concludes that the right business development being carried out by the Muamalat Dahdlatul Ulama Cooperative is currently developing a business engaged in fish farming through the biofloc system.
DESIGN OF BUSINESS PERFORMANCE EVALUATION IN MUAMALAT NU COOPERATIVE WITH A BALACED SCORECARD APPROACH Tigin Lugiani; Mutqi Sopiawadi
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 4 No 2 (2023)
Publisher : STIESA Press

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Abstract

The Balanced Scorecard is a management, measurement and control system that quickly, precisely, comprehensively can provide managers with an understanding of business performance. The balanced scorecard applied to the Muamalat Nahdlatul Ulama cooperative is an economic institution for the small people, founded by Nahdhiyin Kasomalang residents who have the desire to work towards productive endeavors in increasing the economic activities of small entrepreneurs based on cooperative and sharia principles. The Muamalat Nahdlatul Ulama Cooperative is a means of managing funds from the ummah by the ummah and for the ummah (Economic Democracy). There are 4 perspectives in BSC, namely: 1. customer perspective, 2. Internal business process perspective, 3. financial perspective, 4. learning and growth perspective. Adjustedto financial circumstances.

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