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Yusep Supriadi
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EKSPEKTASy
Published by Institut Agama Islam Persis Bandung
ISSN : 29622204     EISSN : 28307216     DOI : https://doi.org/10.54801/ekspektasy
Core Subject : Economy, Science, Education, Social,
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences
JOURNAL EKSPEKTASy contains research results and thoughts about the economy, especially Islamic economics. The main focuses of include Economic Concepts and Thoughts, Sharia Economic Concepts, Islamic Financial Institutions, Accounting, Finance, Islamic Banking and Management, Public Sector Management, Zakat, Infaq, Sadaqah, Waqf, Inheritance, Corporate Governance, Sustainability Reporting, Ethics and Professionalism, Business, Business Management, Sharia Business Management, e-Commerce, Capital Markets and Investment, Taxation, Financial Management, Sharia Financial Management, Economic Law and Sharia Economic Law.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 43 Documents
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Pengaruh Frekuensi Kunjungan Layanan Kas Keliling Terhadap Pertumbuhan Dana Tabungan Nasabah di BPRS HIK Parahyangan Periode 2021-2025: The Effect of the Frequency of Visits to Mobile Cash Services on the Growth of Customer Savings at BPRS HIK Parahyangan for the 2021–2025 Period Raida Rasyidah Azzakiyyah
JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH Vol. 4 No. 2 (2025): JOURNAL EKSPEKTASy
Publisher : Institut Agama Islam Persis Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54801/1ap4a668

Abstract

This study examines the influence of mobile cash service visit frequency on the growth of customer savings funds at BPRS HIK Parahyangan, motivated by the role of mobile cash services in reaching areas with minimal banking accessibility and the suspension of mobile cash fleet operations in the Cianjur region during the 2024-2025 period. The study employs a quantitative method with a causal associative approach, using secondary monthly time series data from January 2021 to December 2025 (n = 60), analyzed through simple linear regression based on Ordinary Least Squares (OLS). Since the classical assumption tests indicated violations of linearity, heteroscedasticity, and autocorrelation, the model estimation was corrected using the Newey-West Heteroscedasticity and Autocorrelation Consistent (HAC) standard errors approach at a 10% significance level (α = 0.10). The results yielded the regression equation Y= -3628.811 + 95.28149X, with a t-statistic of 1.671 and a p-value of 0.1001, significant at the 10% level. The frequency of mobile cash service visits contributes 22.3% (R2 = 0.223) to the growth of customer savings funds, while the remaining 77.7% is explained by other factors outside the model. This study concludes that the frequency of mobile cash service visits has a positive yet marginal influence on the growth of customer savings funds at BPRS HIK Parahyangan.
Analisis Penggunaan Tiktok Sebagai Media Promosi Dalam Persepsi Pelaku Umkm Sepatu di Desa Campaka, Kecamatan Cimaung, Kabupaten Bandung: Analysis of the Use of TikTok as a Promotional Medium in the Perceptions of Shoe SME Operators in Campaka Village, Cimaung Subdistrict, Bandung Regency Ervina Tasani; Dudi Sudirman; Fajar Sulaiman
JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH Vol. 4 No. 2 (2025): JOURNAL EKSPEKTASy
Publisher : Institut Agama Islam Persis Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54801/cjrw4f57

Abstract

The advancement of digital technology has encouraged Micro, Small, and Medium Enterprises (MSMEs) to utilize social media, particularly TikTok, as a means of product promotion. This study aims to analyze the use of TikTok as a promotional medium and the perceptions of MSME footwear entrepreneurs in Campaka Village, Cimaung Sub-district, Bandung Regency, focusing on three business owners Zapato Official, Azfiq27, and Military Boots Berkah Store who operate within the same product ecosystem yet achieve different sales outcomes. This study employs a descriptive qualitative approach using a case study method. Data were collected through in-depth interviews, observation, and documentation, then analyzed using the interactive model of Miles and Huberman, comprising data reduction, data display, and conclusion drawing. Data validity was examined through technique triangulation. The results show that all three MSMEs utilize four main TikTok features content marketing, live streaming, TikTok Ads, and affiliate marketing in an integrated manner to expand market reach and increase sales. The entrepreneurs hold a positive perception of TikTok as an effective promotional platform, despite facing challenges such as algorithm changes, price competition, capital requirements, and platform administrative costs. These findings indicate that promotional success is determined not only by shared product sources, but also by how entrepreneurs interpret and implement promotional strategies based on their individual perceptions
Financial Accountability in a Newly Licensed Zakat Institution: A Qualitative Case Study of Baitulmaal Munzalan Indonesia's Bandung Branch Nurul Afifah
JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH Vol. 4 No. 2 (2025): JOURNAL EKSPEKTASy
Publisher : Institut Agama Islam Persis Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54801/hh7csk42

Abstract

Zakat institutions occupy a peculiar governance position. They administer donor funds under an explicitly theological mandate of amanah, yet Indonesian law subjects them to the same reporting logic applied to secular nonprofits. This qualitative case study examines how a branch office of Baitulmaal Munzalan Indonesia (BMI) in Bandung enacts financial accountability in the structural absence of an external audit, four years after opening and two years after formal licensing as an Amil Zakat Institution (Lembaga Amil Zakat, LAZ). Field data were collected through unstructured interviews with the branch manager and program and administration staff, direct observation, and documentation, including monthly zakat distribution records for 2023 and consolidated financial reports for 2024. Findings show accountability practiced across four dimensions, honesty, program, performance, and financial, but resting almost entirely on self-report distributed through informal channels such as WhatsApp bulletins rather than independently verified disclosure. The branch's own admission that it has never undergone a sharia or financial audit since licensing exposes a gap between the regulatory ideal codified in Law No. 23/2011 and Government Regulation No. 14/2014 and branch-level operational reality. The study argues that this gap is not merely a compliance lapse but a structural feature of how national zakat networks devolve financial authority to branches faster than they devolve audit infrastructure, and it proposes a tiered interim-review mechanism for newly licensed branches as a corrective

Page 5 of 5 | Total Record : 43

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