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Islamic Economics and finance in Focus (IEFF)
Published by Universitas Brawijaya
ISSN : -     EISSN : 29641233     DOI : 10.21776/ub.ieff
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Publish all forms of quantitative and qualitative research articles and other scientific studies related to the field of Islamic Economics and finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol. 2 No. 1 (2023)" : 15 Documents clear
PENGARUH MOTIVASI MENGHINDARI RIBA, PERSEPSI NASABAH DAN PENGETAHUAN PRODUK BANK SYARIAH TERHADAP KEPUTUSAN MENJADI NASABAH PEMBIAYAAN BANK SYARIAH INDONESIA (EX BANK SYARIAH MANDIRI) KCP MALANG PASAR BESAR Putra, Aldo Ramadanie
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.10

Abstract

Perbankan syariah sebagai bagian dari sistem nasional mempunyai peranan penting dalam perekonomian. Terdapat pandangan di mana adanya bunga dalam bank konvensional ini hukumnya haram menurut agama Islam dan dari segi ekonomi juga dinilai tidak menerapkan norma keadilan. Mayoritas masyarakat Indonesia sudah memahami akan keberadaan Bank Syariah, namun terkendala pada pemahaman produk dan persepsi masyarakat yang menilai akad-akad pada bank syariah masih menyulitkan masyarakat. Maka dari itu produk bank syariah hanya digemari oleh sebagian masyarakat. Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh variabel motivasi menghindari riba, persepsi nasabah dan pengetahuan produk terhadap keputusan menjadi nasabah pembiayaan BSI KCP Malang Pasar Besar. Penelitian ini menggunakan 128 sampel dari total 239 populasi. Penelitian ini menggunakan pendekatan penelitan kuantitatif inferensial. Metode analisis data yang digunakan menggunakan teknik analisis regresi linear berganda. Hasil penelitian yang diperoleh menunjukkan bahwa motivasi menghindari riba, persepsi nasabah dan pengetahuan produk secara simultan mempunyai pengaruh positif dan signifikan. Kemudian secara parsial variabel motivasi menghindari riba dan pengetahuan produk mempunyai pengaruh positif dan signifikan terhadap keputusan menjadi nasabah. Sedangkan variabel persepsi nasabah secara parsial tidak berpengaruh secara signifikan terhadap keputusan menjadi nasabah.
ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI PREFERENSI KONSUMEN DALAM PEMBELIAN PRODUK FOOD AND BEVERAGE DI SHOPEE Minerva Maharani Azzahra; Ajeng Kartika Galuh
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.09

Abstract

The existence of the COVID-19 virus prompted the government to issue an Emergency Community Activities Restrictions Enforcement (PPKM) policy that aimed to suppress positive cases, yet, on the other hand, detrimental to the community since they could not carry out transactions directly to meet their needs. However, the existence of e-commerce can help people to fulfill their needs by making transactions online. Each individual in the community has different preferences in making purchasing decisions. As Muslims, we are obligated to consume halal products, other than that, product quality and prices can also influence consumer preferences in purchasing decisions. Therefore, this study aims to analyze the influence of halal labels, product quality, and product price perceptions on consumer preferences in purchasing food and beverage products at Shopee.  The approach used in this study is a quantitative approach through logistic regression analysis. The results showed that the variables of halal labels and price perceptions significantly affected consumer preferences in purchasing decisions. Meanwhile, the product quality variable has no significant effect on consumer preferences in purchasing decisions.
KAJIAN PEMIKIRAN YUSUF QARDHAWI TENTANG PENGENTASAN KEMISKINAN Muhammad Amri Robbani; Muttaqin, Aminullah Achmad
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.08

Abstract

This study aims to find out Yusuf Qardhawi's thoughts on the concept of poverty alleviation. The researcher used the library research method in examining Yusuf Qardhawi's thoughts on poverty alleviation through a book written by Yusuf Qardhawi entitled Musykilat al Faqri wa Kaifa Alajaha al Islam which was translated by Syafril Halim along with Yusuf Qardhawi's other books and journals as support. The results of this study indicate that the concept of poverty alleviation put forward by Yusuf Qardhawi is based on Islamic teachings that poverty can be overcome by working, family compensation, zakat and non-zakat assistance with a note that the concept of Islamic teachings is fully implemented.    
FAKTOR YANG MEMPENGARUHI LABA USAHA MUSTAHIQ PENERIMA ZAKAT PRODUKTIF LAZ SOLO PEDULI Putri, Salsabil Rahmatillah; Munawar
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.14

Abstract

In 2020-2021 poverty continues to increase due to Covid-19, one way to overcome it is for people who can issue zakat and then distribute it to those in need (mustahiq). So that the zakat funds given do not run out quickly, it is in the form of productive zakat. LAZ Solo Peduli is one of the zakat institutions that distribute productive zakat through cash and business support tools through its Economic Empowerment program. The business's success can be seen through the profits it earns because profit is the primary goal of the business. The purpose of this study was to determine whether the business capital, type of business, length of business, and promotion affect the operating profit of the mustahiq fostered by LAZ Solo Peduli. This research uses descriptive quantitative, and the determination of respondents uses saturated sampling, namely all mustahiq recipients of productive zakat are 50 mustahiq. This study uses primary data, namely questionnaires, direct interviews with respondents, and secondary data, namely annual data from LAZ Solo Peduli. The data analysis method is multiple linear regression. The results of the study showed that business capital, length of business, and promotion have a positive and significant effect on mustahiq's operating profit. But the type of business has a negative and significant effect on mustahiq's operating profit. The type of trading business is faster to generate profits. Pada tahun 2020-2021 tingkat kemiskinan terus meningkat salah satu penyebabnya pandemi Covid-19. Salah satu cara penanggulangan kemiskinan yang masyarakat dapat lakukan yaitu dengan berzakat bagi yang mampu. Dana zakat tersebut akan disalurkan kepada yang membutuhkan (mustahiq). Agar dana zakat yang diberikan tidak cepat habis maka disalukan dalam bentuk zakat produktif. Lembaga zakat yang menyalurkan zakat produktif adalah LAZ Solo Peduli melalui program Pemberdayaan Ekonomi. LAZ Solo Peduli memberikan bantuan modal usaha bagi mustahiq dalam bentuk uang tunai dan alat-alat penunjang usaha. Pertumbuhan usaha dapat dilihat melalui laba yang diperoleh dikarenakan laba merupakan tujuan utama seseorang dalam menjalankan suatu usaha. Tujuan penelitian ini adalah untuk mengetahui apakah modal usaha, jenis usaha, lama usaha, dan promosi berpengaruh terhadap laba usaha mustahiq binaan LAZ Solo Peduli. Pendekatan yang digunakan pada penelitian ini adalah kuantitatif deskriptif dengan penentuan responden menggunakan sampling jenuh yaitu seluruh mustahiq penerima zakat produktif binaan LAZ Solo Peduli yang berjumlah 50 mustahiq. Penelitian ini menggunakan data primer yang diperoleh langsung dari responden melalui kuesioner, wawancara, serta data sekunder yaitu laporan tahunan LAZ Solo Peduli. Metode analisis yang digunakan adalah regresi linier berganda. Hasil penelitian menunjukkan bahwa modal usaha,lama usaha, dan promosi berpengaruh positif dan signifikan terhadap laba usaha mustahiq. Namun, jenis usaha berpengaruh negatif dan signifikan terhadap laba usaha mustahiq, serta jenis usaha dagang lebih cepat menghasilkan laba.
EFEKTIVITAS PROGRAM LABORATORIUM BISNIS SANTRI DI PONDOK PESANTREN ANWARUL HUDA MALANG Muhammad Syifa Zam Zami; Anggraeni, Ika Khusnia
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.07

Abstract

The development of information and communication technology in the era of globalization has made Islamic boarding schools experience a paradigm shift from an institution that only focuses on deepening religious knowledge, but also becomes an institution for developing economic potential. One Islamic Boarding School already has a program to expand its economic potential is the Anwarul Huda Malang Islamic Boarding School. This research is here to reveal the extent to which the effectiveness of the students' economic empowerment program, especially the "Laboratorium Bisnis Santri," in fostering the entrepreneurial spirit of students at Pondok Pesantren Anwarul Huda Malang. This study used a mixed method with the CIPP model evaluation approach. Data in the study were collected using questionnaires, interviews, documentation, and observation. Data were analyzed using z-scores and then verified into the Glickman quadrant prototype. The results of this study indicate the effectiveness of the "Laboratorium Bisnis Santri" program at Anwarul Huda Islamic Boarding School Malang is in the Glickman III quadrant with details of the Context variable obtaining a negative frequency (-), a negative frequency Input variable (-), a positive Frequency Process variable (+), and Product variable positive frequency (+). Based on the study results, it can be concluded that the "Laboratorium Bisnis Santri" program is in the less effective category.
FAKTOR-FAKTOR YANG MEMPENGARUHI PREFERENSI MAHASISWA EKONOMI ISLAM UNTUK BEKERJA DI LEMBAGA KEUANGAN SYARIAH bagus, johan; Khusnia Anggraini, Ika
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.01

Abstract

The existence of this study aims to determine whether there is influence from knowledge of Islamic finance, spiritual motivation, and financial rewards on the preferences of Islamic economics students to work in Islamic financial institutions. This research only focuses on students of Islamic economics, Faculty of Economics and Business, Universitas Brawijaya, class of 2014-2019. This study uses a quantitative approach where data is obtained through a questionnaire using a Likert scale. There were 90 sample respondents consisting of 49 male respondents and 41 female respondents. Data testing was carried out using the help of SPSS software, the method applied was multiple linear regression analysis. The results of the study show that knowledge of Islamic finance and spiritual motivation have an influence on preferences for working in Islamic financial institutions. Meanwhile, financial income has no effect on preferences to work in Islamic financial institutions. Meanwhile, knowledge of Islamic finance, spiritual motivation, and financial rewards explains 45.1% of the preference for working in Islamic financial institutions.
ANALISIS PENGARUH KEPUASAN, TRANSPARANSI DAN AKUNTABILITAS TERHADAP LOYALITAS MEMBAYAR INFAQ DAN SEDEKAH (Studi Pada Lembaga Pengelola Zakat “PAY&DoIT” Kota Jakarta) Nugraha, Alvin
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.12

Abstract

The potential for ziswaf in Indonesia continues to increase every year, but the amount of ziswaf collected is insignificant compared to the potential for ziswaf which reaches 327.6 trillion rupiahs. As non-profit organizations, zakat management institutions need to pay attention to several variables so that donors are willing to spend part of their wealth, and this will create donor loyalty. This study uses satisfaction, transparency, and accountability variables to determine whether these variables affect donor loyalty. In this study, data were collected through questionnaires with purposive sampling. Respondents in this study amounted to 50 respondents who donated their wealth through the zakat management institution "PAY&DoIT" for 2x or more in the last 6 months. The analysis technique used is multiple linear regression analysis. The results of this study indicate that the variables of satisfaction and transparency have a positive and significant influence on donor loyalty. Meanwhile, the accountability variable has a positive but not significant effect on donor loyalty
ANALISIS PENGARUH ZAKAT DAN INVESTASI TERHADAP PENDAPATAN PER KAPITA 2020-2021 Muhtadin Widyoko
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.11

Abstract

Income per capita is the average annual income of the community. Community welfare can be viewed through the per capita income of the community in a certain area. From a macroeconomic point of view, investment is able to drive growth rather than people's per capita income. This is done by adding gross fixed capital in a region until it reaches the stage of full employment. In addition to investment, zakat from an Islamic economic perspective is also felt to be able to increase people's welfare. Zakat is a socio-economic instrument that creates prosperity through an equal distribution process. Central Java as one of the provinces on the island of Java has the lowest per capita income on the island of Java. This research was conducted to review the effect of investment and zakat in Central Java on income per capita. Through a time series research process that takes 2020-2021 and also a cross section with a sample of 32 cities and regencies, the aim is to review the effect of zakat and investment on each region in Central Java. Apart from the zakat variable through the micro dimension of NZI and the macro dimension of NZI and investment, this research uses a control variable in the form of government social assistance (Bansos) originating from the APBD of each region in Central Java. The results of this study indicate that simultaneously the investment variable, zakat which is divided into the micro dimension NZI and the macro dimension NZI, and also the control variable in the form of social assistance has a significant influence on income per capita in Central Java in 2020-2021. From this, investment and zakat are considered quite effective in increasing the per capita income of the people of Central Java. Keywords: IZN Micro Dimensions, IZN Macro Dimensions, Investment, Social Funding.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MAHASISWA DALAM BERINVESTASI SUKUK NEGARA RIZKY ADITYA, DEANDRA; Manzilati, Asfi
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.15

Abstract

Sukuk is one of the sharia -based investment instruments that are experiencing an increase in Indonesia. This is inseparable from the start of the public's consciousness of investing, one of which is through sukuk especially the country's sukuk. From this phenomenon, an analysis is needed to find out the factors influence the interest of Islamic economics students at Brawijaya University in investing in the country's sukuk because besides being an Indonesian society, the Islamic Economics students of Brawijaya University also studied about sharia products in lectures so that they are relevant when research is conducted. The purpose of this research is to determine the effect both partially and simultaneously from the motivational factor, knowledge factors, and risk preference factors for student investment interest in sukuk. Technique Data collection using incidental sampling techniques or non probability sampling because of students what is studied must meet the requirements to have taken the Fiqh Muamalat course not yet clearly known. Data collection was obtained by distributing questionnaires to 82 Islamic economics students through google form. The statistical methods used are descriptive analysis and logistical regression analysis with testing hypothesis uses statistical tests t. The results of this study indicate that simultaneously, motivational factors, knowledge, and risk preferences have a positive effect on the interests of students to invest in sukuk. However, partially only motivational factors
DETERMINAN SURPLUS UNDERWRITING DANA TABARRU’ PADA PT PRUDENTIAL SHARIA LIFE ASSURANCE PERIODE 2016-2021 Safitri, Dita Indah; Kornitasari, Yenny
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.13

Abstract

This research is motivated by the many cases of conventional insurance defaults, which have contributed to instilling a negative stigma against sharia insurance. In fact, in the process, Islamic insurance uses underwriting management of tabarru funds in its operational procedures to minimize default. By using Prudential Syariah as a research object for the 2016-2021 period, this study aims to determine the determinants of the underwriting surplus of tabarru funds. The research utilizes a quantitative approach with multiple linear regression analysis models using a purposive sampling method. The results of the study reveal: (i) the underwriting surplus of tabarru' funds is negatively and significantly affected by the net contribution; (ii) the underwriting surplus of tabarru' funds is negatively and significantly affected by claims expenses; (iii) the underwriting surplus of tabarru' funds is positively and significantly influenced by investment returns; (iv) the underwriting surplus of tabarru' funds was negatively and significantly affected by the BI-7 Day-RR. Through these results, Prudential Syariah is expected to maintain the stability of the underwriting surplus of tabarru' funds through suitable investment by considering the influence factors. The acceptance process also needs to be more selective to minimize risks so that defaults can be avoided in the future. This research may contribute to being a reference for decision-making regarding the underwriting surplus of tabarru funds and add concerns related to underwriting management.

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