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Journal of Sharia Economics
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : 27743551     EISSN : 27743543     DOI : https://doi.org/10.22373/jose.v1i2.642
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Sharia Economics focuses on the studies pertaining to the field of Islamic Economics and Finance. Journal of Sharia Economics welcomes the contributions from related academicians and practitioners on the following topics: Islamic banking Islamic insurance/ takaful Islamic accounting Islamic business ethics and Islamic contemporary economics and business issues Islamic work ethics Islamic corporate social responsibility Islamic financial management Islamic financial technology Islamic business management Islamic business policies, strategies, and performance Islamic business and retail research Islamic economics policy and decision-making Islamic business security and privacy issues Islamic e-commerce Islamic consumer behavior Islamic business relationship management Islamic marketing Islamic management and retail marketing Public relations and retail communication Innovation and product development
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 4 No. 1 (2023): Islamic Finance" : 5 Documents clear
PENGARUH LOKASI, KUALITAS PELAYANAN DAN PROSEDUR PEMBIAYAAN TERHADAP KEPUTUSAN NASABAH DALAM MENGAMBIL PEMBIAYAAN KONSUMTIF MULTIGUNA PADA BANK ACEH CAPEM KAMPUNG AIE SIMEULUE Nanik Rahayu, Yuyun; Ashal, Farid Fathony; Riza, Akmal
Journal of Sharia Economics Vol. 4 No. 1 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i1.2396

Abstract

Keputusan nasabah mengambil pembiayaan tentunya diawali dengan kesadaran dalam pemenuhan kebutuhan. Penelitian ini bertujuan untuk mengetahui pengaruh lokasi, kualitas pelayanan, dan prosedur pembiayaan terhadap keputusan nasabah mengambil pembiayaan konsumtif multiguna pada Bank Aceh Capem Kampung Aie. Penelitian menggunakan analisis regresi linier berganda menggunakan program SPSS. Teknik pengambilan sampel probability sampling jenis simple random sampling diperoleh jumlah sampel sebanyak 84 nasabah. Hasil penelitian secara parsial hanya lokasi yang tidak berpengaruh terhadap keputusan nasabah, sedangkan variabel kualitas pelayanan dan prosedur pembiayaan berpengaruh terhadap keputusan nasabah dalam mengambil pembiyaan. Namun secara simultan seluruh variabel bebas berpengaruh terhadap variabel terikat.
FAILURE HANDING STRATEGY FOR MICRO PEOPLE BUSINESS CREDIT (KUR) Arhami; Bakri, Adzan Noor
Journal of Sharia Economics Vol. 4 No. 1 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i1.2457

Abstract

The smooth operation of the loans released cannot be guaranteed since under certain circumstances, whether intentionally or inadvertently, the debtor breaks his word, making it difficult for Bank BRI Salobulo Kota Palopo to accept the return of the loans that have been given. This study aims to determine the strategy carried out by BRI Salobulo Unit in dealing with KUR Micro credit defaults and the causes and solutions for the handling strategy. The type of research used is qualitative research through interactive data analysis that produces descriptive data, in the form of a fact with the right interpretation to obtain a systematic, factual and accurate picture or painting of facts, characteristics, and the relationship between the phenomenon under study. The results showed that the default on Micro KUR Loans at the BRI Salobulo Bank, Palopo City occurred because the debtor was late in paying his credit bill when it was due. The strategy for handling default loans is adopted by Bank BRI Salobulo Unit through a risk mitigation strategy (preventive) by analyzing customer eligibility with the 5C principle. The rescue strategy (repressive) is carried out by restructuring credit, which is re-launched with the 3R technique (Rescheduling, Reconditioning, Restructuring). If the customer is not cooperative, then the handling is through a settlement strategy (aggressive) by litigation and by selling under the hands. After mapping the SWOT matrix, several strategies are appropriate, and the strategy focuses on the ST strategy.
PENGARUH BAURAN PEMASARAN ISLAM (4P) TERHADAP LOYALITAS KONSUMEN MANGROVE CORPORATION (UMMILOVELY) Triyawan, Andi; Prastyaningsih, Ika; Pradhistya, Marsela
Journal of Sharia Economics Vol. 4 No. 1 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i1.2517

Abstract

Berdasarkan data PBS, ITB Indonesia mengalami fluktuasi yang disebabkan oleh beberapa faktor. Disamping itu, pemasaran konvensional tidak memiliki batasan atau pedoman dalam menjalani kegiatan perekonomian. Hal tersebut dapat menyebabkan banyak permasalahan. Dengan demikian integrasi bauran pemasaran yang Islami dapat menjadi alternatif dalam memecahkan permasalahan tersebut. Permasalahannya adalah bauran pemasaran islam hanya sekedar teoritis dan belum ada bukti empiris. Dengan demikian, penelitian ini bertujuan untuk menganalisis bauran pemasaran Islam terhadap loyalitas konsumen, dengan objek penelitian di Ummilovely. Penelitian ini menggunakan metode kuantitatif dengan PLS-SEM dengan varibel dependen (bauran pemasaran Islam 4p), dan variabel independen (kepuasan dan loyalitas). Dalam pengumpulan data peneliti menggunakan kuesioner sebagai data primer, dengan sempel sebanyak 60 responden. Dari hasil pengujian, didapat pemasaran Islam memiliki pengaruh yang postif terhadap loyalitas konsumen. Akan tetapi, hanya bauran tempat, dan kepuasan yang memiliki relevansi secara segnifikan terhadap loyalitas konsumen. Dengan ini, peneliti berharap penelitian ini menjadi masukan bagi perusahaan untuk meningkatkan produk yang ada dengan memperbanyak variasi produk, dengan harga yang sesuai. Selain itu, dalam hal promosi disarankan kepada perusahaan untuk lebih gencar lagi dalam mempromosikan produk yang dihasilkan.
DETERMINAN MINAT GENERASI MILENIAL PADA PENGGUNAAN SISTEM PEMBAYARAN E-WALLET LAYANAN SYARIAH LINKAJA: Indonesia Ananda, Putri; Nuriyah, Aminah
Journal of Sharia Economics Vol. 4 No. 1 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i1.2642

Abstract

Goal: This study aims to determine whether perceptions of usefulness, perceived convenience, perceptions of security, Islamic financial literacy simultaneously affect the interest in using the LinkAja Syariah Service e-wallet payment system. Method: In this study, researchers used a descriptive quantitative approach with sampling techniques, namely non-probability sampling by distributing questionnaires to 105 respondents in the Jabodetabek area. This research method is multiple linear regression analysis with an error rate of 5%. Fact/Findings: The results found in this study are (1) the perception of convenience does not affect the interest in using LinkAja Syariah Services. (2) the perception of usefulness has a positive and significant effect on interest in using LinkAja Syariah Services. (3) the perception of security does not affect the interest in using the LinkAja Syariah Service. (4) Islamic Financial Literacy has a positive and significant impact on interest in using LinkAja's Syariah Services. (5) Perception of convenience, perception of usefulness, perception of security and Islamic financial literacy simultaneously have a positive and significant effect on interest in using LinkAja Syariah Services Keywords : Payment system, e-wallet, perceived ease of use, perceived ease of usefulness, perceived ease of security, Islamic financial literacy, intention to using
LAPORAN KEUANGAN MASJID: PERSPEKTIF AKUNTANSI SYARIAH DAN PENCEGAHAN FRAUD Wahyu Ansahrizal
Journal of Sharia Economics Vol. 4 No. 1 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i1.2653

Abstract

This study aims to qualitatively analyze and find out the financial reports presented by mosques based on the perspective of Sharia accounting and fraud prevention. This study used a descriptive qualitative method. The data used in this research is secondary data. Secondary data was obtained from the mosque's financial reports. The results of this study indicate that DSAK IAI (Financial Accounting Standards Board of the Indonesian Institute of Accountants) as a professional organization of accountants in Indonesia issued ISAK 35 to strengthen aspects of recognition, measurement, presentation and disclosure so that the financial statements of mosques presented based on ISAK 35 include statements of financial position, comprehensive income statements, cash flow statements, reports on changes in net assets, and notes on financial statements in order to create financial reports that are easy to understand, have relevance and have high comparability to strengthen aspects of accountability and transparency in order to minimize the occurrence of fraudulent practices.

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