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Riduan Mas'ud
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riduanmasud@uinmataram.ac.id
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restu.fahdiansyah@uinmataram.ac.id
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Jl. Gajah Mada Pagesangan No.100, Jempong Baru, Kec. Sekarbela, Kota Mataram, Nusa Tenggara Barat. Kode POS: 83116
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INDONESIA
International Journal of Islamic and Social Sciences (ISOS)
Published by Universitas Islam Negeri Mataram
ISSN : -     EISSN : 27894559     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
International Journal of Islamic and Social Sciences (ISOS) is an open access, peer-reviewed, and refereed journal published by The Islamic Economic and Business Faculty, Universitas Islam Negeri Mataram, Indonesia. The main objective of ISOS is to provide an intellectual platform for the international scholars. ISOS aims to promote interdisciplinary studies in Islamic and social science and become the leading journal in Islamic and social science in the world. ISOS publishes original papers, review papers, conceptual framework, analytical and simulation models, case studies, and empirical research. Special Issues devoted to important topics in Islamic and social science will occasionally be published. SCOPE The journal publishes research papers in the fields of Islamic studies, economics and business, banking and finance, management, sharia economics, accounting, tourism and hospitality, entrepreneurship development, international relations, law, development studies, journalism and mass communication, corporate governance, cultural studies, psychology and education, philosophy, sociology, women studies, religious studies, social welfare, linguistics and so on.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 30 Documents
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Analysis Of Investment Feasibility In A Water Lost Control Program: Study Case Regional Owned Enterprise Garin Rizki Arishaldi; Nur Dhani Hendranastiti
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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Abstract

his study aims to analyze the financial feasibility of each water loss control program at PERUMDA Tirta Pakuan Bogor City as a solution in reducing the water loss. This feasibility study was conducted by calculating the NPV, Net B/C Ratio, IRR, and Payback Period for three different Scenarios, which are: (i) 100% equity, (ii) 75% equity and 25% debt, and (iii) 50% equity and 50% debt. According to the calculation, the best investment scenario being selected is the one with the highest NPV, that is Scenario 3. Not only this is supported by the value of IRR that is higher than the WACC (19.05%>17.15%), it also has the highest Net B/C Ratio. The sensitivity analysis also shows that the interest rate and proportion of loan do not have significant effects on the NPV obtained. At the same level of interest rate, the NPV obtained will be higher if the proportion of debt submitted is larger. However, for the same portion of the loan, the losses occurring will only appear if there is a change in interest rates of more than 600%.
Analysis of Murabahah Contract Financing in the Covid-19 Pandemic Era at Koperasi Serba Usaha Bmt Al-Iqtishady Pagesangan Mataram Ade Shofiatun Sholehah; Nur aeda; Baihaqi
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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The purpose of this study was to determine the impact of the COVID-19 pandemic on financing in murabahah contracts and the way the Koperasi Serba Usaha Bmt Al-Iqtishady Pagesangan Mataram in overcoming these impacts, especially related to problematic financing. The type of research approach used is descriptive qualitative with data collection methods including: observation, interviews and documentation, while the data analysis methods used are data collection, data reduction and verification. The results of this study show (1) the impact of the covid-19 pandemic on murabahah financing is a change in the transaction method, a decrease in the amount of murabahah financing disbursed as a result of increasing cooperative prudence, the occurrence of problematic financing caused by the business or work of customers affected by the Covid pandemic. -19 thus affecting the ability of customers to pay their obligations. (2) the method used by the Koperasi Serba Usaha BMT Al-Iqtishady Pegesangan Mataram in overcoming the impact of the Covid-19 pandemic, namely by restructuring problematic financing, including: rescheduling, namely by rescheduling the due date by giving an extension of time, the return requirement is by rescheduling re-arrangement of the installment amount, term and schedule of payments, and the last is realignment, namely by changing the form of the murabahah financing contract into other contracts such as mudharabah or musyarakah.
Bank Characteristics, Financial Crises and Nonperforming Loans: A Panel Analysis on Malaysia’s Commercial Banks Normah Erra Zulkifli; Zuriyati Ahmad
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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Abstract

The previous crises witnessed the system of Malaysian banks has been facing a large number of nonperforming loans. The arising of nonperforming loans problem however becomes worse when the bank fails to manage its management properly and efficiently. Therefore, this study tries to investigate the impact of bank characteristics and financial crises on nonperforming loans in Malaysia’s commercial banks. Panel data analysis is employed with the data of six (6) commercial banks spanning from the period of 1998 to 2019. The result depicted that return on asset, loan to asset and non-interest income also significantly influence nonperforming loan. While total loan found to have insignificant relationships with the variation of nonperforming loans. The financial crisis revealed a positive and significant impact on the nonperforming loans. The result obtained suggests that banks and the government need to prepare for the high variation of nonperforming loans if there are weaknesses in bank characteristics and during the economic downturn.
Enhancing Social Media Usage on Business Performance: MSEMs During The COVID-19 Pandemic in Indonesia Seprianti Eka Putri
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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The purpose of this study is to examine the impact of the increase in social media users on business performance in micro, small, and medium-sized enterprises (MSMEs). This research uses a quantitative approach, with an analytical tool SEM PLS. A total of 250 responses social media users collected from respondents through purposive sampling technique with data collection used an online questionnaire. With research findings, perceived utility, and perceived ease of use, compatibility all influence social media use. Further, The usage of social media for marketing has a positive effect on the business performance of SMEs in terms of improving sales, customer relations, productivity, and creativity. The contribution of this study is to provide more relevant insights into the usage of social media on SMEs in Indonesia that are directly affected by the COVID-19 outbreak.
Halal Certification Online to Drave Halal Value Chain (HVC) During the Covid-19 Pandemic Abdul Latif; Moh Agus Nugroho; Andi Mardiana; Aprianti Napu
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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Abstract

Halal Value Chains (HVC) have grown quite rapidly over the last five years. This is shown from the number of Indonesian halal food exports to global food exports ranging from 15 to 18% from 2015 to 2020. Thus, the halal label plays an important role in encouraging the increase in the value and transactions of HVC. (Lembaga Pengkajian Pangan Obat-obatan dan Kosmetika) LPPOM MUI, currently has provided (Online Halal Certification Service System) CEROL-SS23000, to speed up and make it easierfor producers to register their products so they can get halal certificates. This study uses a qualitative descriptive approach. The purpose of this study was to find out how the halal certification process carried out by LPPOM-MUI and the development of HVC survived the Covid-19 pandemic. Based on the results of the researcher's analysis, during the LPPOM MUI pandemic, three breakthroughs were made to simplify the halal certification process. First, making adjustments to the audit method known as Modified On Site Audit (MosA), secondly accelerating the halal certification audit process and thirdly extending the validity period of the halal certificate. Although the demand for halal certification has increased, HVC throughout 2020 decreased by a total of -1.72% but this is better than the national GDP level. The PRM (Muslim Friendly Tourism) sector and Muslim fashion were the worst sectors to experience contraction with a percentage decline of -12.53% and -9.87%, respectively. Meanwhile, halal food grew 1.58% and the halal agriculture sector grew 1.85%.
IMPLEMENTATION OF THE PRINCIPLE OF JUSTICE IN THE PROFIT-SHARING SYSTEM IN FINANCING MUDHARABAH at PT. BANK MUAMALAT INDONESIA Tbk. KCU MATARAM Fitriani; Suharti
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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Abstract

This study aimed to determine the implementation of the principle of justice in the profit-sharing system on mudharabah financing at PT Bank Muamalat Indonesia Tbk. KCU Mataram. The research method was descriptive qualitative research. The data collection techniques were carried out using observation, interviews and documentation. Meanwhile, data analysis was carried out inductively using some steps consisting of data reduction, data presentation, and conclusions. The results showed that the profit-sharing system in mudharabah financing at PT Bank Muamalat Indonesia Tbk. KCU Mataram implemented a revenue sharing system using the profit projection method based on the customer's business results data and the customer's ability to pay in monthly installments. The principle of fairness in the profit-sharing system in mudharabah financing laid on the willingness of the parties ( sohibul maal and mudharib ) to bear the profits and losses proportionally according to the portion of their respective involvement.
Reaction Of Capital Market To The Emergence Of Covid-19 In Indonesia Stock Index LQ-45 Devy Murdani; Muh. Salahuddin; Naili Rahmawati
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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Abstract

This research was conducted to see the analysis of the capital market reaction to the pandemic of COVID-19 in Indonesia, whether there is the difference in Abnormal Return and Trade Volume Activity before and after the COVID-19 first case in Indonesia on March 2, 2020 by using 38 sample of 45 stocks in Index LQ-45 which listed from the period of February to July 2020. This research type is quantitative with research method use were Paired Sample t-Test and Wilcoxon Signed Rank test. The results of this research indicated that there is no significant difference in Abnormal Return (AR) and Trade Volume Activity (TVA) before and after the emergence of Corona Virus (COVID-19) in Indonesia of stock index Lq45.
The Effect of Income and Job Type on Students’ Self-Efficacy and Achievement of Migrant Workers in Taiwan Romi Aswandi Sinaga; Nopriani; Yi-Syun Chen
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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Abstract

The Indonesian government provides opportunities for migrant workers to continue their higher education. Through the distance learning program, migrant workers can study to develop their potential in the academic field in addition to working as foreign exchange heroes. This study investigated the current status of students’ self-efficacy and achievement of migrant workers in Taiwan and the effect of income and job type on students’ self-efficacy and achievement. 100 migrant workers in Taiwan were surveyed. The collected data were analyzed with descriptive analysis, t-Test, and one way ANOVA with Scheffe Method. To understand migrant workers with specific conditions affected by their job type, in-depth interviews were done. Findings revealed current status of students’ self-efficacy of migrant workers in Taiwan is slightly low and their achievement is moderately high. Income affects the students’ self-efficacy and achievement of migrant workers while job type affects their achievement. The self-ability to stabilize physical and emotional condition is required to improve students’ self-efficacy. Moreover, the social interaction among students, teachers, and peers is required to improve their achievement.
The Impact of Intellectual Capital, Corporate Social Responsibility, and Non Performing Financing on Company Value Siti Fatimah; Abdul Rahman; Nurjannah
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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This study aims to examine the impact of Intellectual Capital (IC), Corporate Social Responsibility (CSR), as well as Non Performing Financing (NPF), on the value of the company with Good Corporate Governance (GCG) as a moderating variable. The object of this research is a commercial bank sharia in Indonesia in 2011-2019, with a sample of 5 sharia commercial banks. Which method used in the sample selection is purposive sampling. The data used in the form of data secondary sources derived from the annual report and good corporate governance reports, while the technical the data analysis used is multiple regression analysis and moderating regression analysis. The results of this study indicate that intellectual capital and non-performing financing negative and insignificant effect on firm value, corporate social responsibility positive and significant effect on firm value, good corporate governance does not able to moderate the relationship between intellectual capital and non-performing financing to corporate value, good corporate governance is able to strengthen the relationship between corporate social responsibility for the value of the company.
Emergence of Virtual Currencies-Study of Cryptocurrency in Digital Marketing Minky Sharma
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 3 (2021): Vol. 1 No. 3 (2021): ISOS : International Journal of Islamic and Social Science
Publisher : UIN Mataram

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Present economic scenario is the subject of innovations in all aspect of economy like banking marketing and trade. Digital innovation facilitates the settlement of transactions without presence of individual since virtual currency has also emerged in the way of innovations which facilitate the trading and investment alternatives to the people. Concept of Virtual Currency: Virtual currency or money is a type of unregulated virtual/digital currency which is issued/managed by developers and largely accepted by the members of a virtual community. Definition: According to European Banking Authority (2014), virtual currency is a digital representation of value that is not issued by a banking authority or a public authority, nor essentially attached to a fiat currency, but is accepted by natural or legal persons as a means of payment and can be transferred, stored or traded electronically". It can be collected, stored and transferred among stakeholders. This currency is not subject to any kind of monetary or fiscal policy. Some currencies having the features of crypto currency while some currencies are not holding the features of crypto currency.

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