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Islamic Business and Finance (IBF)
Published by Universitas Islam Negeri Sultan Syarif Kasim Riau
ISSN : 27221350     EISSN : 27221342     DOI : 10.24014
Core Subject : Economy,
Economics, Econometrics & Finance
Islamic Business and Finance merupakan jurnal yang diterbitkan oleh Program Studi Ekonomi Syariah Fakultas Syariah dan Hukum Universitas Islam Negeri Sultan Syarif Kasim Riau. Islamic Business and Finance sebagai salah satu Media pengkajian dan penyajian karya Ilmiah terutama dibidang dalam bidang Ekonomi Islam bisnis dan keuangan Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 58 Documents
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Fenomena Flexing di Media Sosial dan Kaitannya dengan Israf Zilal Afwa Ajidin; Nafkhatul Wahidah
ISLAMIC BUSINESS and FINANCE Vol 4, No 1 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i1.21951

Abstract

The phenomenon of flexing has recently become a hot topic of discussion after many influencers and YouTubers show off their wealth with various motives. This study analyzes how Islam views the flexing phenomenon and relates to israf (exaggeration). This study uses a qualitative method with an exploratory approach to literary studies and related sources such as social media. In accordance with the phenomenon of public figures who like to show off their wealth on social media and other public spaces, this study tries to analyze flexing behavior in terms of Islam and its relation to israf behavior. The results of this study show that the act of flexing is an act that is prohibited in Islam because showing off wealth is considered bad in Islamic teachings and includes israf (excessive) behavior.Keywords: flexing, social media, israf
Analisis Product Quality, Price dan Sertifikasi Halal terhadap Keputusan Pembelian Produk Kecap Manis Cap Nasional Zaki Mubarak; Rizka Amalia; Lisda Aisyah
ISLAMIC BUSINESS and FINANCE Vol 4, No 1 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i1.20386

Abstract

The background of this research is that it is currently known that “Nasional” brand Soy Sauce is not very well known and we rarely find promotions through television media, but the level of sales of Nasional soy sauce in second place after ABC soy sauce, thus making researchers interested in conducting research and proving what factors influence the buyer's decision by using several variables, that is product quality, price, and halal labeling. This type of research is survey research and uses a quantitative approach with data collection methods: observation, questionnaire, and documentation. While data collection techniques used are primary data and secondary data. The results of the study indicate that the product quality variable, the price, and the halal labeling are able to explain the purchasing decisions variable of 52.1% and the remaining 47.9% explained by other variables outside the research. Partially, the product quality variable (X1) does not affect purchasing decisions. The price (X2) and the halal labeling variables (X3) have an effect on purchasing decisions. Meanwhile, simultaneously, the product quality (X1), the price (X2), and the halal labeling variables (X3) haveas an effect on the purchasing decisions.Keywords: Product Quality, Price, Halal Labeling, Purchasing Decisions. 
Analisis Tingkat Penerimaan Dana Haji di Masa Pandemi Covid-19 Irfan Ashari; Nabila Amalia; Kharis Fadlullah Hana
ISLAMIC BUSINESS and FINANCE Vol 4, No 1 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i1.20685

Abstract

The Pilgrimage is a worship that is a dream for all Muslims in the world, especially for the people of Indonesia where the majority of the population is Muslim.In a normal condition, financing is generally carried out regularly and in accordance with what has been planned, but the coming of a disaster is not the power of a personservant because only Allah can plan and will. The presence of a pandemicCovid-19 has caused changes in life patterns in all sectors. Therefore whether in During the Covid-19 pandemic, patterns and practices changed at the level Hajj funding. This type of research is field researchusing a qualitative phenomenological approach. The phenomena studied are:level of receipt of Hajj funds during the Covid-19 pandemic. Data collection techniques used in the form of interview techniques and collect data with techniques documentation. The results of the study show that prospective pilgrims during the Covid-19 pandemic19 experienced a significant decrease for several reasons, one of which was people choose umroh, because umroh does not take long. Hajj departure from Indonesia experienced reductions and delays during the covid-19 pandemic, hence from that some people prefer umroh to hajj because it is faster for timehis departure. 
Peningkatan Volume Penjualan Malalui Strategi Distribusi dalam Ekonomi Syariah Ilham Chanra Putra
ISLAMIC BUSINESS and FINANCE Vol 4, No 1 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i1.21824

Abstract

Penelitian ini dilatarbelakangi oleh meningkatnya volume penjualan pada Graha Pratama Fish, namun Graha Pratama Fish belum memiliki agen resmi di setiap daerah untuk menyalurkan distribusi. Strategi distribusi merupakan  bermacam kegiatan yang dilakukan perusahaan untuk menjadikan produk lebih mudah diperoleh atau tersedia untuk pasar sasaran. Dengan tujuan agar konsumen dapat dengan mudah memperoleh barang yang konsumen butuhkan. Semakin baiknya strategi distribusi maka hal ini akan meningkatkan volume penjualan. Penelitian ini bertujuan untuk mengetahui bagaimana Strategi Distribusi dalam meningkatkan volume penjualan pada Graha Pratama Fish di Kampung Patin Desa Koto Mesjid Kabupaten Kampar, dan bagaimana tinjauan ekonomi syariah terhadap strategi distribusi dalam meningkatkan volume penjualan pada pada Graha Pratama Fish di Kampung Patin Desa Koto Mesjid Kabupaten Kampar. Jenis penelitian ini adalah penelitian lapangan yang bersifat kualitatif. Sumber data dalam penelitian ini menggunakan sumber data primer dan skunder. Teknik pengumpulam data berupa observasi, wawancara dan dokumentasi serta teknik analisis yang digunakan yaitu analisis deskristif kualitatif. Adapun populasi penelitian ini berjumlah (5) lima orang, dan semua populasi dijadikan sampel dengan menggunakan teknik total sampling. Hasil penelitian ini yaitu Strategi distribusi yang digunakan oleh Graha Pratama Fish  adalah strategi distribusi ekslusif. Strategi distribusi ekslusif yaitu, mendistribusikan produk melalui satu saluran dan beberapa anggota saluran (pedagang dan outlet). Saluran distribusi yang digunakan oleh Graha Pratama Fish adalah saluran langsung dan saluran tiga tingkat. Saluran langsung yaitu, produsen berada langsung pada konsumen (Graha Pratama Fish – Konsumen), dan saluran tidak langsung (produsen-agen-pedagang besar-konsumen). Saluran tiga tingkat atau saluran tidak langsung (produsen-agen-pedagang besar-konsumen) yaitu produsen memilih agen (agen penjualan atau agen pabrik) sebagai penyalurnya. Agen penjualan menjalankan kegiatan perdagangan besar dalam saluran distribusi yang ada. Sasaran penjualannya terutama ditujukan kepada para pengecer besar. Strategi dalam meningkatkan volume penjualan di Graha Pratama fish secara umum sudah sesuai dengan ekonomi syariah dalam mendistribusikan produk Graha Prtama Fish memiliki prinsip keadilan, tanggung jawab hingga produk sampai ke tangan konsumen.
Pengaruh Citra Merek, Kualitas Layanan, dan Digital Banking Terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah Sebagai Variabel Intervening Pada PT Bank Syariah Indonesia Cabang Pekalongan Pemuda Mochamad Yusuf; Muhammad Aris Syafi'i; Tamamudin Tammamudin
ISLAMIC BUSINESS and FINANCE Vol 4, No 1 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i1.22073

Abstract

Customer loyalty is a commitment to using the product. Customer loyalty is achieved through satisfaction, brand image, service quality, and digital banking. This study aims to determine the effect of brand image, service quality, and digital banking on customer loyalty through customer satisfaction as an intervening variable at Bank Syariah Indonesia Pekalongan Pemuda. This research is quantitative research. The population amounted to 48,200. Sample of 100 respondents with the slovin formula, standard error 10%. Accidental sampling technique using a questionnaire. Data analysis techniques in the form of instrument tests, classical assumption tests, path analysis, hypothesis testing and coefficient of determination tests. The results showed that brand image significantly affects satisfaction with a beta value of 0.421 and a significance of 0.00. Service quality has no effect and is not significant to customer satisfaction with a beta value of -0.029 and a significance of 0.545. Digital banking has no effect and is not significant to customer satisfaction with a beta value of -0.002 and a significance of 0.964. Brand image significantly affects customer loyalty with a beta value of 0.436 and a significance of 0.001. Service quality has no effect and is not significant to customer loyalty with a beta value of 0.091 and a significance of 0.194. Digital banking has a significant effect on customer loyalty with a beta value of 0.392 and a significance of 0.00. Customer satisfaction significantly affects customer loyalty with a beta value of 0.504 and a significance value of 0.001. Customer satisfaction mediates the effect of brand image on customer loyalty with a t value = 2.178. Customer satisfaction does not mediate the effect of service quality on customer loyalty with a t value of -0.454. Customer satisfaction does not mediate the effect of digital banking on customer loyalty with a t value of 0.037.Keywords: Brand Image, Service Quality, Digital Banking, Customer Satisfaction, and Customer Loyalty.
Pengaruh Pengetahuan Investasi, Risk Tolerance, Dan Self Efficacy Terhadap Intensi Investasi Pasar Modal Pada Generasi-Z Reza Fitriana Rizkia; Fitria Ardia Pramesti; Siti Amaroh
ISLAMIC BUSINESS and FINANCE Vol 4, No 2 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i2.23493

Abstract

Investments in the country's actual economy and its capital market will increase as a result of globalization. Because of this, the capital market requires members of Generation Z to have a high level of self-awareness. The purpose of this study is to examine how generation Z investors' levels of investing expertise, risk aversion, and confidence influence financial market performance. The goal of this research was to identify the factors (investment knowledge, risk tolerance, and self-efficacy) that influence people's decisions to put money into the stock market. Gen Z is the focus of this investigation. Non-probability type purposive sampling was used to choose the 200 respondents who would make up this study's sample of members of Generation Z. The validity and reliability tests were used to evaluate the research instrument, and the classical assumption test and multiple regression analysis were used to analyze the collected data. Capital market investing intentions are positively related to investment knowledge, risk tolerance, and confidence, according to the investigation. The findings of this study have important implications for encouraging younger generations' interest, trust, and self-awareness in the capital market.Keywords: Investment Intensity, Investment Knowledge, Risk Tolerance, Self Efficacy.
Pengaruh Citra Merek dan Kredibilitas Terhadap Loyalitas Pelanggan dengan Sertifikasi Halal Sebagai Variabel Moderating Pada Produk Frozen Food Selamet Eko Kristanto; Trian Zulhadi; Syahpawi Syahpawi
ISLAMIC BUSINESS and FINANCE Vol 4, No 2 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i2.22690

Abstract

Abstract The purpose of this study is to determine Brand Image and Credibility on Customer Loyalty with Halal Certification as a moderating variable. The approach used in this study is an associative approach. The sampling technique used in this study is the saturated sample technique found in non-probability sampling, namely the sampling technique when all members of the population are used as a sample of 118 respondents. Data collection was carried out by distributing questionnaires to all Resellers consisting of Agents, Wholesalers and Retailers who partnered with CV distributors. Pekanbaru's New Taste. The data analysis technique used in this study is the classical assumption test, multiple linear regression, t test, f test, coefficient of determination and moderated regression analysis (MRA) using the IBM SPSS version 23 program. The results of this study indicate that brand image partially influences significant to Customer Loyalty and Credibility has a significant effect on Customer Loyalty. Simultaneously Halal Certification as a moderating variable is able to moderate the relationship between Brand Image and Customer Loyalty. Halal Certification as a moderating variable is not able to influence the relationship between Credibility and Customer Loyalty.Key words: Brand Image, Credibility, Halal Certification, Customer Loyalty
Information Technology Design For BTN Syariah Mobile Banking Services Minhatus Saniyah; Hendri Hermawan Adinugraha
ISLAMIC BUSINESS and FINANCE Vol 4, No 2 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i2.22204

Abstract

This study aims to dig up information about how to do a SWOT analysis of the BTN Syariah mobile banking application; what the strategies implemented by Bank BTN Syariah in developing BTN Syariah mobile banking application services; how to design a mobile banking application belonging to BTN Syariah. The research method used by researchers is a qualitative type through a case study approach. Then the research subject is the manager of BTN Syariah Pekalongan branch. Retrieval techniques through interviews, observation, and documentation. Data analysis used descriptive analysis by testing the validity of the data using the triangulation method. From the research results, it was found that BTN Syariah responded to the current development of information technology by launching the m-banking application. The m-banking application offered by BTN Syariah has the strength of providing optimal service. The opportunity for this application is to increase m-banking customer service data. The weakness of this application is the lack of features offered, so this can also be a threat, namely, customers may feel bored and choose to use another mobile banking application. Even so, the strategy they implemented to develop this mobile banking service was also felt to have had a very positive effect on increasing the number of users. However, innovation in application service features must be carried out, bearing in mind that currently, many banks have issued mobile banking applications with many feature facilities.
Pengaruh Pengetahuan Terhadap Minat Masyarakat Menggunakan Produk Perbankan Syariah Very Sidi; Ficha Melina
ISLAMIC BUSINESS and FINANCE Vol 4, No 2 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i2.23805

Abstract

Penelitian ini dilatarbelakangi oleh kurangnya minat masyarakat menggunakan produk perbankan syariah. Penelitian ini bertujuan untuk mengetahui Pengaruh Pengetahuan Terhadap Minat Masyarakat Menggunakan Produk Perbankan Syariah. Jenis Penelitian ini adalah penelitian lapangan (field research) yang menggunakan metode penelitian kuantitatif, dengan jumlah sampel sebanyak 97 responden. dan teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi linear sederhana dengan menggunakan uji T (Parsial) dan uji Koefisien Determinasi (R²) dimana proses perhitungannya menggunakan SPSS versi 25. Hasil penelitian menunjukkan bahwa terdapat variabel pengetahuan berpengaruh signifikan terhadap minat masyarakat menggunakan produk perbankan syariah. Dengan hasil uji T yaitu Nilai signifikansi (sig) = 0,000 < 0.05 dan nilai Thitung 6,568 > Ttabel 1,986. Hal ini dapat diartikan bahwa terdapat pengaruh siginifikan variabel pengetahuan (X) terhadap minat (Y) secara parsial. Sedangkan, hasil uji koefisien determinasi menunjukkan sebesar 31,2 %. Ini berarti bahwa pengetahuan mempengaruhi minat masyarakat menggunakan produk perbankan syariah sebesar 31,2 % dan sisanya 68,8% dipengaruhi faktor lain yang tidak masuk dalam penelitian ini.Kata Kunci : Pengetahuan, Minat Menggunakan Produk Perbankan Syariah, Bank Syariah.
Analisis Pengelolaan Wakaf Melalui Uang Untuk Meningkatkan Kesejahteraan Umat Rozi Andrini; M. Zaki
ISLAMIC BUSINESS and FINANCE Vol 4, No 2 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i2.22699

Abstract

Pengelolaan harta benda wakaf merupakan tugas dan kewajiban nazhir sebagai pihak yang secara yuridis diberikan kuasa pengelolaan wakaf oleh wakif sebagaimana yang disebutkan dalam pasal 42 UU Nomor 41 Tahun 2004. Penelitian ini bertujuan untuk menganalisis peluang dan tantangan pengelolaan wakaf melalui uang untuk meningkatkan kesejahteraan umat di Kecamatan Tanjung Medan Kabupaten Rokan Hilir. Penelitian ini merupakan penelitian lapangan dengan pendekatan kualitatif. Informan dalam penelitian ini berjumlah 4 orang yaitu nazhir wakaf melalui uang. Teknik pengumpulan data menggunakan observasi, wawancara dan dokumentasi. Teknik analisis data adalah deskriptif kualitatif. Hasil penelitian menunjukkan bahwa pengelolaan wakaf melalui uang di Kecamatan Tanjung Medan Kabupaten Rokan Hilir masih dikelola dalam bentuk tradisonal yaitu penghimpunan wakaf dilakukan secara langsung dari masyarakat melalui Masjid. Kemudian wakaf yang telah terhimpun dikelola oleh nazhir hanya bertujuan untuk pembangunan masjid saja. Peluang pengelolaan wakaf secara produktif dapat dilakukan jika nazhir professional. Tantangan dalam pengelolaan wakaf melalui uang di Kecamatan Tanjung Medan Kabupaten Rokan Hilir yaitu kurangnya pemahaman masyarakat tentang wakaf melalui uang, masyarakat masih beranggapan bahwa wakaf hanya dalam bentuk tanah untuk keperluan ibadah seperti untuk masjid, kuburan atau sekolah. Serta kemampuan nazhir dalam pengelolaan wakaf melalui uang secara produktif masih minim. Penelitian ini memberikan kontribusi kepada nazhir wakaf dalam melaksanakan pengelolaan wakaf melalui uang secara poduktif. 

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