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EKONOMIKA SYARIAH : Journal of Economic Studies
Published by Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
ISSN : 26147890     EISSN : 26148110     DOI : https://www.doi.org/10.30983/ekonomikasyariah
Core Subject : Economy,
Economics, Econometrics & Finance
EKONOMIKA SYARIAH: Journal of Economic Studies is a journal that publishes research results related to the themes of economics, finance, and Islamic banking. It also provides an important role in promoting the process of knowledge, values and skills. Scientific texts that discuss the topics of economics, finance and Islamic banking are highly expected to be presented. Interdisciplinary approaches to Islamic studies are used as instruments to overcome and solve Islamic economic, financial and banking problems. The editorial team invited researchers, scholars, and Islamic studies and economic observers to submit research articles that had never been published in other media or journals. Ekonomika Syariah is published twice a year, in June and December. The editorial team received the research article, typed 1.15 cm in space on A4 paper, double column, 15-20 pages long or 7000 to 9000 words. Every article published has gone through a peer-review process to maintain the quality of the publication.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 16 Documents
 1   2 
Search results for , issue "Vol. 8 No. 1 (2024): June 2024" : 16 Documents clear
Financial Stability of Indonesia’s Islamic Banks: Analysis Profitability Kurnia, Rahmat; Baroroh, Hilmy; Fauziah Hayati, Riska; Hazimah Melzatia, Haura; Maminirina Fenitra, Rakotoarisoa
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8082

Abstract

The study explores the financial well-being of Islamic banks in Indonesia, focusing on profitability as reflected in the Return on Assets (ROA) ratio. This article brings attention to the issue of certain Sharia Commercial Banks in Indonesia exhibiting poor financial conditions, as indicated by low ROA figures. The primary aim of the research is to evaluate the impact of Good Corporate Governance (GCG), Non-Performing Financing (NPF), and the ratio of Operational Costs to Operational Income (BOPO) on the financial sustainability of these banks. This research adopts a quantitative approach, utilizing secondary data sourced from financial and Good Corporate Governance reports spanning the years 2018 to 2022. The analysis is conducted using panel data regression with the aid of EViews 12 software. The study covers 11 Sharia Commercial Banks in Indonesia over a five-year period, resulting in a sample of 55 observations obtained through purposive sampling. The findings indicate that Good Corporate Governance and Non-Performing Financing significantly influence the Return on Assets, underscoring the critical role these factors play in maintaining financial stability. In contrast, the BOPO ratio does not exert a significant effect on ROA. Furthermore, the results of the simultaneous regression analysis confirm that GCG, NPF, and BOPO collectively have a meaningful impact on the financial performance of Islamic banks, as measured by ROA. Penelitian ini mengeksplorasi kesehatan finansial bank syariah di Indonesia, dengan penekanan pada profitabilitas yang diukur melalui rasio Return on Assets (ROA). Artikel ini menyoroti permasalahan beberapa Bank Umum Syariah di Indonesia yang menunjukkan kondisi keuangan yang kurang baik, yang tercermin dalam rendahnya angka Return on Assets (ROA). Penelitian ini bertujuan untuk menilai pengaruh Good Corporate Governance (GCG), Non-Performing Financing (NPF), dan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap keberlanjutan keuangan bank-bank ini. Pendekatan penelitian ini bersifat kuantitatif, dengan menggunakan data sekunder yang diperoleh dari laporan keuangan dan laporan Good Corporate Governance dalam rentang waktu 2018 hingga 2022. Analisis dilakukan menggunakan regresi data panel dengan bantuan perangkat lunak EViews 12. Penelitian ini melibatkan 11 Bank Umum Syariah di Indonesia selama lima tahun, dengan total 55 observasi yang diperoleh melalui teknik purposive sampling. Hasil penelitian menunjukkan bahwa Good Corporate Governance dan Non-Performing Financing memiliki pengaruh signifikan terhadap Return on Assets, yang menggarisbawahi pentingnya kedua faktor tersebut dalam mempertahankan stabilitas keuangan. Sebaliknya, rasio BOPO tidak menunjukkan dampak yang signifikan terhadap ROA. Selain itu, hasil analisis regresi simultan mengukuhkan bahwa GCG, NPF, dan BOPO secara bersama-sama memberikan pengaruh yang berarti terhadap kinerja keuangan bank syariah, yang diukur melalui ROA.
The Waqf Integrated Income-Generating Model: A Catalyst for Indonesia's Sustainable Development Ambitions Haidar, Abdullah; Herindar, Evania; Arviannis, Tasya; Nursyamsiyah, Ikha; Hendrasto, Nur
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8256

Abstract

This research delves into the effect of collective beliefs and anticipations regarding investment cooperation, technological progression, and administrative governance on fostering sustainable income through the Waqf Integrated Income Generating Model (WIIGM). The study, grounded in the Theory of Reasoned Action (TRA), empirically assesses public perceptions of the WIIGM. A survey conducted among 100 participants through convenience sampling and online questionnaires provides the data, which is analyzed using partial least squares structural equation modeling to test hypotheses. Prior ethical approval was secured for data collection. Findings from this study highlight that sustainable income is positively influenced by investment collaboration and governance, but not by technological advancements. In terms of building trust (behavioral intention) in the WIIGM model, technological advancement does not show a significant effect. This novel investigation offers insights into how a newly proposed integrated income model for waqf institutions could enhance community trust. The study holds substantial implications. It is intended for professionals and government officials to understand waqf's functions, positions, and potential applications, considering community trust and beliefs.
GenZ's Purchase Decision of Branded-Preloved Clothing: Do Islamic Consumption Principles Influence Their Decisions? Arinda, Niyara; Novi Andra, Elsa; Parsaulian, Baginda; Agung Mulyana, Cahya
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8425

Abstract

The issue of young consumer behavior in making purchasing decision to  a good or service is always intriguing  to analyze , particularly when considering whether their behavior aligns with Islamic values or not, especially for Generation Z (Gen Z), who are sometimes notoriously random in their actions. This study aims to estimate whether brand image, price, and fashion style affect the purchase decision of well-known brand-used clothes, and this study will elaborate in more detail on the findings from the perspective of Islamic consumer behavior. These findings will provide an important answer to whether Islamic consumption principles influence consumers' purchasing decisions. This study is quantitative research with a total of 250 respondents, which was collected using purposive sampling, which includes the younger generation of Muslims who like to shop for branded-prelove goods. The findings show that brand image, price, and fashion style are predictors of Gen Z purchasing decisions in deciding to buy branded-prelove clothing by 59.3%. A more detailed search shows that young Muslim customers still pay attention to Islamic consumption values in shopping such as rationality, simplicity, trust and honesty (Siddiq), reasonable prices, and Maslahah. This finding contributes to helping business actors design market strategies based on the behavior of the young Muslim generation. Issue tentang  perilaku konsumsi muda dalam memutuskan pembelian suatu barang dan jasa selalu menarik untuk dianalisis karena pola perilaku mereka selalu dipertanyakan apakah sejalan dengan nilai-nilai Islam atau tidak, khususnya bagi Generasi Z (GenZ) yang terkadang terkenal random dalam bertindak. Penelitian ini bertujuan untuk mengestimasi apakah citra merek, harga dan gaya fashion berpengaruh terhadap keputusan pembelian pakaian bekas  bermerek terkenal, dan penelitian ini akan menguraikan lebih detail temuan dalam perspektif perilaku konsumen Islam. Pertanyaan penting apakah prinsip konsumsi Islam mempengaruhi keputusan mereka dalam membeli atau tidak akan terjawab dalam temuan ini. Penelitian ini merupakan penelitian kuantitatif dengan jumlah responden sebanyak 250 orang, yang dikumpulkan dengan menggunakan purposive sampling yang meliputi generasi muda muslim yang hobi berbelanja barang-barang branded-preloved. Temuan menunjukkan bahwa citra merek, harga dan juga gaya fashion menjadi prediktor keputusan pembelian GenZ dalam memutuskan pembelian pakaian branded-prelove sebesar 59,3%. Penelusuran lebih detail menunjukkan bahwa pelanggan muda muslim masih memperhatikan nilai-nilai konsumsi Islami dalam berbelanja seperti rasionalitas, kesederhanaan, amanah dan jujur (siddiq), harga wajar, dan maslahah. Temuan ini memberikan kontribusi bagi pelaku usaha dalam merancang strategi pasar berdasarkan perilaku generasi muda Muslim.  
The Efficiency of KSPPS BMT UGT Nusantara Branches in East Java using Data Envelopment Analysis (DEA) Period 2018-2022 Harris, Jaudat Iqbal; Arifin, Sirajul; Yazid, Muhammad
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8485

Abstract

Performance assessment of Islamic financial institutions such as KSPPS BMT UGT Nusantara is crucial to ensure optimal resource utilisation and improved customer service. This study evaluates the efficiency of several branches of KSPPS BMT UGT Nusantara in East Java from 2018 to 2022 using the Data Envelopment Analysis (DEA) approach. Input variables include the number of employees, total assets, and operational costs, while output variables encompass the number of customers, total financing, and total income. The results show that during the 2018-2022 period, many branches of BMT UGT Nusantara had not yet reached optimal scale, although some had achieved efficiency levels in both production and intermediation approaches. In the production approach, 50% of branches achieved technical efficiency, pure technical efficiency, and scale efficiency, while in the intermediation approach, 55% of branches achieved the same efficiency levels. To address inefficiencies, recommended strategies include: adjusting the number of employees according to actual needs; reducing excessive operational costs by identifying and eliminating unnecessary expenses; and managing assets more effectively by reinvesting in revenue-generating activities.
Management and Empowerment Model In LAZISMU Special Region of Yogyakarta rifan, Akhmad Arif Rifan; Miftah Khilmi Hidayatulloh; Winda Safitri; Leni Kurnia Safitri; Maisha Madania
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8514

Abstract

This research aims to develop a comprehensive management and empowerment model for LazisMU in the Special Region of Yogyakarta (DIY). The study employs a qualitative approach, primarily utilizing in-depth interviews as the main data collection technique. In addition to these interviews, participatory observations and document content analysis were also conducted. The data collection instruments consist of interview guidelines and observation protocols. To ensure data validity, the study applies source triangulation, which involves comparing the information gathered from various informants and corroborating it with documents and observations. Data analysis was performed inductively through an interactive method that includes data reduction, data presentation, drawing conclusions, and verification. The findings indicate that the management and empowerment strategies at LazisMU are centered on providing business financial assistance to Mustahik with entrepreneurial ventures, as well as offering educational scholarships for university students. This research provides valuable insights and recommendations for other zakat management institutions, suggesting ways to enhance their operational performance and more effectively empower their beneficiaries through targeted financial and educational support initiatives.
The Dynamics of Corporate Governance, Earnings Management, and Market Risk in Enhancing Corporate Value: Evidence from the Indonesian Sharia Capital Market Subqi, Tajus
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8589

Abstract

This study aims to examine and analyse the factors influencing the value of companies in the Indonesian Sharia capital market, including corporate governance, earnings management, market risk, investment decisions, and dividend policy. Using secondary data from the Annual Report, Factbook IDX, and ICMD, and descriptive analysis using SPSS 28 and PLS-SEM, the study focuses on 71 sample companies from the Indonesian Sharia Stock Index (ISSI) during 2017-2022. The findings indicate that dividend policy and investment decisions significantly influence the mediating role of corporate governance on firm value, with a negative impact on firm value when corporate governance is high. Dividend policy does not significantly moderate the impact of earnings management and market risk on firm value, and investment decisions do not moderate the impact of earnings management. However, investment decisions significantly mediate the impact of market risk on firm value, with risk-orientated investors increasing firm value through short-term transactions, providing a new perspective on the relationship between investment decisions and firm value.
Realizing Sustainable Development In Indonesia Through Economic Growth Priorities: Empirical Evidence Vector Error Correction Model (VECM) Basri, Basri; Aisah, Laras; Abdullah, Abdullah
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8590

Abstract

Indonesia's journey towards sustainable economic development is closely intertwined with global issues in female labor force participation, environmental policy, and geopolitical dynamics. This study analyzes the causal relationship between economic growth, geopolitical risk, the female labor force, and environmental policy rigor in Indonesia. The data type used is a time series starting in 1992–2022, and it uses the Vector Error Correction Model (VECM) econometric model to identify the causal relationship and reveal the long-run and short-run effects between variables. The results of the analysis show that there is a one-way relationship between geopolitical risk and the female labor force. While the long-run test results show that the female labor force, geopolitical risk, and environmental policy have a significant impact on economic growth, The findings also reveal that there is a short-term effect between environmental policy stringency and economic development. This study emphasizes the importance of holistic and integrative policy formulation by considering the interaction of economic growth, women's participation in the workforce, environmental policy, and geopolitical risk to achieve sustainable development. By examining the causality and interdependence of the complex dynamics occurring in the socio-economic landscape, policymakers are expected to promote inclusive growth, consider environmental aspects, and be sensitive to geopolitical challenges in Indonesia's development trajectory.
The Effect of Knowledge, Psychological Factors, Technology and Culture in Adopting Islamic Banking Kumaidi; Asyari, Asyari
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8622

Abstract

This study was conducted to analyze the extent to which knowledge, psychological factors, technology, and culture influence the preferences of the Minangkabau community in conducting transactions with Islamic banks. The design of this research is quantitative correlational. The population in this study consists of the Minangkabau ethnic community in Bukittinggi, aged between 15 and 34 years, with a total population of 48,106 individuals. A sample size of 397 Minangkabau respondents was selected using Slovin’s formula with a critical value of 5%. The sample was determined through combination sampling to ensure the data collected represented all districts in Bukittinggi. Data were gathered through the distribution of questionnaires and analyzed using multiple linear regression analysis techniques. The results of the study indicate that knowledge has a negative but not significant effect on the intention of the community to transact with Islamic banks. Meanwhile, the variables of psychological factors, technology, and Minangkabau culture have a significant positive influence on the Minangkabau community's intention to transact with Islamic banks. Penelitian ini dilakukan untuk menganalisis seberapa besar pengaruh pengetahuan, psikologis, teknologi dan budaya terhadap preferensi masyarakat Minangkabau untuk bertransaksi di bank syariah. Bentuk penelitian ini adalah kuantitatif korelasional. Populasi dalam penelitian ini adalah masyarakat kota Bukittinggi yang beretnis Minangkabau dengan kisaran usia dari 15-34 tahun dengan jumlah populasi 48.106 orang. Dalam penelitian ini diambil jumlah sampel sebanyak 397 responden masyarakat Minangkabau yang ditentukan dengan menggunakan rumus slovin dengan nilai kritis 5%. Selanjutnya penentuan pengambilan sampel dilakukan secara combination sampling agar data yang diperoleh menyebar mewakili secara area sampling kesetiap kecamatan yang ada di Bukittinggi. Data dikumpulkan melalui metode penyebaran angket kuisioner yang kemudian dianalisis dengan teknik analisis regresi linier berganda. Hasil penelitian menunjukan bahwa pengetahuan berpengaruh negatif namun tidak signifikan terhadap intensi masyarakat untuk bertransaksi di bank syariah. Sedangkan variabel Psikologis, Teknologi dan Budaya Minangkabau mempunyai pengaruh yang positif signifikan terhadap intensi masyarakat Minangkabau untuk bertransaksi di bank syariah.  
Financial Stability of Indonesia’s Islamic Banks: Analysis Profitability Kurnia, Rahmat; Baroroh, Hilmy; Fauziah Hayati, Riska; Hazimah Melzatia, Haura; Maminirina Fenitra, Rakotoarisoa
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8082

Abstract

The study explores the financial well-being of Islamic banks in Indonesia, focusing on profitability as reflected in the Return on Assets (ROA) ratio. This article brings attention to the issue of certain Sharia Commercial Banks in Indonesia exhibiting poor financial conditions, as indicated by low ROA figures. The primary aim of the research is to evaluate the impact of Good Corporate Governance (GCG), Non-Performing Financing (NPF), and the ratio of Operational Costs to Operational Income (BOPO) on the financial sustainability of these banks. This research adopts a quantitative approach, utilizing secondary data sourced from financial and Good Corporate Governance reports spanning the years 2018 to 2022. The analysis is conducted using panel data regression with the aid of EViews 12 software. The study covers 11 Sharia Commercial Banks in Indonesia over a five-year period, resulting in a sample of 55 observations obtained through purposive sampling. The findings indicate that Good Corporate Governance and Non-Performing Financing significantly influence the Return on Assets, underscoring the critical role these factors play in maintaining financial stability. In contrast, the BOPO ratio does not exert a significant effect on ROA. Furthermore, the results of the simultaneous regression analysis confirm that GCG, NPF, and BOPO collectively have a meaningful impact on the financial performance of Islamic banks, as measured by ROA. Penelitian ini mengeksplorasi kesehatan finansial bank syariah di Indonesia, dengan penekanan pada profitabilitas yang diukur melalui rasio Return on Assets (ROA). Artikel ini menyoroti permasalahan beberapa Bank Umum Syariah di Indonesia yang menunjukkan kondisi keuangan yang kurang baik, yang tercermin dalam rendahnya angka Return on Assets (ROA). Penelitian ini bertujuan untuk menilai pengaruh Good Corporate Governance (GCG), Non-Performing Financing (NPF), dan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap keberlanjutan keuangan bank-bank ini. Pendekatan penelitian ini bersifat kuantitatif, dengan menggunakan data sekunder yang diperoleh dari laporan keuangan dan laporan Good Corporate Governance dalam rentang waktu 2018 hingga 2022. Analisis dilakukan menggunakan regresi data panel dengan bantuan perangkat lunak EViews 12. Penelitian ini melibatkan 11 Bank Umum Syariah di Indonesia selama lima tahun, dengan total 55 observasi yang diperoleh melalui teknik purposive sampling. Hasil penelitian menunjukkan bahwa Good Corporate Governance dan Non-Performing Financing memiliki pengaruh signifikan terhadap Return on Assets, yang menggarisbawahi pentingnya kedua faktor tersebut dalam mempertahankan stabilitas keuangan. Sebaliknya, rasio BOPO tidak menunjukkan dampak yang signifikan terhadap ROA. Selain itu, hasil analisis regresi simultan mengukuhkan bahwa GCG, NPF, dan BOPO secara bersama-sama memberikan pengaruh yang berarti terhadap kinerja keuangan bank syariah, yang diukur melalui ROA.
The Waqf Integrated Income-Generating Model: A Catalyst for Indonesia's Sustainable Development Ambitions Haidar, Abdullah; Herindar, Evania; Arviannis, Tasya; Nursyamsiyah, Ikha; Hendrasto, Nur
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8256

Abstract

This research delves into the effect of collective beliefs and anticipations regarding investment cooperation, technological progression, and administrative governance on fostering sustainable income through the Waqf Integrated Income Generating Model (WIIGM). The study, grounded in the Theory of Reasoned Action (TRA), empirically assesses public perceptions of the WIIGM. A survey conducted among 100 participants through convenience sampling and online questionnaires provides the data, which is analyzed using partial least squares structural equation modeling to test hypotheses. Prior ethical approval was secured for data collection. Findings from this study highlight that sustainable income is positively influenced by investment collaboration and governance, but not by technological advancements. In terms of building trust (behavioral intention) in the WIIGM model, technological advancement does not show a significant effect. This novel investigation offers insights into how a newly proposed integrated income model for waqf institutions could enhance community trust. The study holds substantial implications. It is intended for professionals and government officials to understand waqf's functions, positions, and potential applications, considering community trust and beliefs.

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