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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 189 Documents
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PENGARUH EASE OF USE, USEFULNESS, DAN USER INTERFACE APLIKASI BSI MOBILE TERHADAP MINAT GENERASI MILENIAL DAN GENERASI Z UNTUK MELAKUKAN PEMBELIAN EMAS PADA PLATFORM BSI MOBILE Attarsyah, Azriel Auqi; Supriani, Indri
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.04

Abstract

In the past two decades technology has been developing rapidly, whereas a lot of sectors in the economy are digitized. One of the examples are BSI mobile platform that has been rapidly growing because of the majority peoples religion in indonesia is in fact Islam. The purpose of this research is to analyze the effect of BSI mobile platform Ease of use, Usefulness, User interface towards Millennials Generation and Z Generation interest to buy gold by using BSI mobile features called e-emas. This research is using questionnaires to gather data from the respondents which then are going to be processed using the SEM-PLS method. The Questionnaires will be made with Google Forms that are going to be shared in several social media platform. The results of this study shows that Ease of Use and Usefulness of BSI mobile platform does not have significant effect towards Millennials and Z generation interest to buy gold via BSI mobile platform. In contrast, User interface does have a significant effect towards Millennials and Z generation interest in buying gold through BSI mobile platform. Researcher hoped that this study could give insight and also an overview for the consumer about BSI mobile mechanism for consideration, then could also be a reference for the next researcher that studies about BSI mobile platform specifically on e-emas features.
PENGARUH DANA PIHAK KETIGA, PEMBIAYAAN MUDHARABAH, DAN NPF TERHADAP LABA BERSIH BANK UMUM SYARIAH DI INDONESIA Dzakwan, Rifqi; Nugroho Suryo Bintoro
Islamic Economics and finance in Focus Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.02.13

Abstract

Sharia banking measures the success of a company's performance using one important indicator, namely profit, increasing profits indicate better performance of sharia banking. Therefore, the aim of this research is to analyze factors that can influence profits at Islamic commercial banks in Indonesia, including third party funds, mudharabah financing, and non-performance financing. This research uses a quantitative approach, with secondary data obtained from the Financial Services Authority. This research was carried out using the multiple linear regression analysis method which aims to determine the influence of the independent variable on the dependent variable. Based on the research results, all independent variables, namely Third Party Funds, Mudharabah Financing, and Non-Performing Financing simultaneously have a significant influence on the dependent variable net profit. Based on the partial test, it shows that the Third Party Funds variable has a significant positive effect on net profit and Non-Performing Financing has a significant negative effect on net profit, while the Mudharabah Financing variable has no significant effect on net profit at Islamic commercial banks in Indonesia.
FAKTOR-FAKTOR YANG MEMENGARUHI KEPUTUSAN MENJADI INVESTOR BARU SAHAM SYARIAH Umam, Choirul; Aminullah Achmad Muttaqin
Islamic Economics and finance in Focus Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.02.11

Abstract

This study aims to find out what factors influence the decision to invest and become an investor in Islamic stocks during the Covid-19 pandemic. This study uses a quantitative approach with exploratory factor analysis method. The sampling method used was non-probability sampling with a purposive sampling technique with 105 samples obtained by distributing questionnaires to respondents who met the research criteria online. The results of this study reveal that there is an anomaly in new Islamic stock investors compared to old investors who tend to avoid investing during the Covid-19 pandemic. There are nine factors that influence the decision to invest and become new investors in Islamic stocks during the Covid-19 pandemic. These factors are technological advances, herding behavior, investment motivation, sharia compliance, risk perception, minimum investment capital, basic investment knowledge, avoiding speculation, and technical analysis factors.
ANALISIS FAKTOR YANG MEMPENGARUHI STABILITAS PERBANKAN SYARIAH DAN KONVENSIONAL DI INDONESIA PERIODE 2008-2022 Rizma Novita Sari; Farah Wulandari Pangestuty
Islamic Economics and finance in Focus Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.02.15

Abstract

This study aims to analyze the effects of Liquidity Risk, Credit Risk, Control of Corruption, Inflation, and Economic Growth on the stability of Islamic and Conventional banks in Indonesia. The population in this study consists of Islamic and Conventional banks registered with the OJK during the period 2008-2022. The sampling technique employed is purposive sampling, resulting in a total sample of 11 banking companies. The data used in this study are secondary data obtained from the financial statements of each bank. Bank stability is measured using the Z-score proxy. The study utilizes panel data regression with a Fixed Effect Model.The research findings indicate that Liquidity Risk, measured by the F/LDR ratio, has a negative impact on Shariah banks, while it does not affect conventional banks. Control of Corruption has a positive impact on the stability of both Shariah and conventional banks. Economic growth does not have a significant impact on either type of bank, whether Shariah or conventional. Inflation does not influence the stability of either Shariah or conventional banks.
PENGARUH PENDAPATAN, LITERASI ZAKAT, DAN PENDIDIKAN AGAMA TERHADAP KEPATUHAN INDIVIDU DALAM MENGELUARKAN ZAKAT MAAL (STUDI KASUS KJPRI UB) Muhammad Rizky; Iswan Noor
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.03

Abstract

This research aims to analyze the influence of income, zakat literacy, and religious education on individuals' compliance in paying zakat al-maal (a case study of KJPRI UB). The method used in this research is a quantitative case study. The data analysis employed logistic regression analysis. The results indicate that income, zakat literacy, and religious education have a significant positive influence on compliance in paying zakat al-maal simultaneously. Income does not have a partial effect on individuals' compliance in paying zakat al-maal. Meanwhile, zakat literacy and religious education have a positive partial effect on individuals' compliance in paying zakat al-maal.   
ANALISIS PENGARUH PEMBIAYAAN MURABAHAH, MUDHARABAH, DAN MUSYARAKAH TERHADAP PROFITABILITAS BCA SYARIAH DENGAN PERAN COVID-19 SEBAGAI VARIABEL MODERASI Hanifah Ishma Hanani; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.02.03

Abstract

The COVID-19 pandemic which ended in early 2023 affected many sectors throughout the world. Apart from the health sector, Islamic banking also experienced shocks. The problem to be studied in this research is the influence of murabahah, musyarakah and mudharabah financing on the profitability of BCA Syariah by including the role of Covid-19. The aim of this research is to obtain answers to whether these three types of financing partially affect BCA Syariah's profitability, whether the Covid-19 pandemic indirectly affects BCA Syariah's profitability or vice versa. Data analysis uses Moderated Regression Analysis (MRA) because it also considers the role of Covid-19 in this research. Based on the output of this research, the conclusion is that murabahah does not affect BCA Syariah's profitability, unlike mudharabah and musyarakah financing which contribute to increasing BCA Syariah's profitability. The Covid-19 pandemic variable moderates the influence of murabahah and musyarakah financing. However, the pandemic does not affect mudharabah financing activities at BCA Syariah.
PREFERENSI KEPUTUSAN MUZAKKI MEMBAYAR ZAKAT DI LEMBAGA AMIL ZAKAT MELALUI PEMBAYARAN DIGITAL Abdillah Khairurrijal; Ajeng Kartika Galuh; M. Jaenudin
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.11

Abstract

Indonesia has great zakat potential, but its realization is not yet commensurate with the existing potential. This research aims to examine four factors influencing the preference for making zakat payments through digital media in zakat institutions. These factors include financial technology (FinTech) knowledge, zakat knowledge, lifestyle, and satisfaction. The focus of this study is on Muzakki at the Lembaga Manajemen Infaq (LMI) in Malang. The data analysis method employed is SEM-PLS (Structural Equation Modelling-Partial Least Square), with path analysis using SmartPLS 4 to test the pattern of relationships between variables. The results indicate that all four factors have a positive relationship with the preference for making zakat payments through digital media at zakat institutions. It is expected that the findings of this research can serve as a reference regarding the preference for using digital media to optimize the collection of zakat funds or enhance community participation in fulfilling zakat payments.
ANALISIS PENGARUH HARGA SR-012, YIELD SR-012, INFLASI, DAN PRODUK DOMESTIK BRUTO TERHADAP PERMINTAAN SUKUK RITEL SR-012 Daud Ibadurahman; Bahtiar Fitanto
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.10

Abstract

The COVID-19 pandemic has shaken the economy and created a lot of uncertainty. Despite the economic downturn, the retail sukuk investment sector is growing. The demand for retail sukuk in this study is examined from the perspective of retail sukuk, the price and yield of SR-012, as well as from a macroeconomic perspective, inflation, and GDP. Therefore, the aim of this research is to determine the influence of price, yield, inflation, and GDP variables on the demand for retail sukuk SR-012. This study is quantitative research using secondary data obtained from The Indonesian Capital Market Institute (TICMI) and Badan Pusat Statistik (BPS). The research method employs multiple linear regression using E-views 12 software. The results of the study indicate that macroeconomic factors, inflation, and GDP, both does not have significant influence. On the other hand, the retail sukuk SR-012 factors, the price and yield of retail sukuk SR-012, have a significant negative impact on the demand for retail sukuk.
IMPLIKASI PROGRAM RUMAH GEMILANG INDONESIA LAZ AL-AZHAR PERWAKILAN JAWA TIMUR TERHADAP KESEJAHTERAAN ALUMNI Nur Sayuta, Rizqi Bhakti; Ajeng Kartika Galuh
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.02

Abstract

This research aims to determine the implications of Rumah Gemilang Indonesia, which is an empowerment program from LAZ Al-Azhar representative of East Java of alumni welfare. In this research, quantitative methods are used with a multiple linier regression approach which uses classical assumpsion tests in the form of normality tests, heteroscedasticity tests, and muticollinearity tests. This research examined 50 alumni data from Rumah Gemilang Indonesia. In this research, it shows that the education variable and the income variable have a simultaneous effect based on the F tests, and have a partial effect based on the T tests, and show that the percentage of influence of the education variable and the walfare variable is 80,6% (R-Square) while it is 19,6% the other is influenced by other variables not examined in this study. In general, this research shows that Rumah Gemilang Indonesia is able to make alumni prosperous so that LAZ Al-Azhar as a zakat amil institution that owns the program plays a maximum role. This research complements previous research by using quantitative methods so that the implocations of LAZ Al-Azhar can be seen and taken into account as a matter of more precise with numbers and calculations using the SPSS 25 data processing application
FAKTOR YANG MEMPENGARUHI MINAT BERKUNJUNG MASYARAKAT PADA DESTINASI WISATA HALAL DI PROVINSI NUSA TENGGARA BARAT Nisa, Khairun; Muttaqin, Aminnullah Achmad
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.09

Abstract

Halal tourism is a new icon of tourism development that must be developed and requires attention, because it is expected to invite and attract tourists, both domestic and foreign tourists. The predicate of halal tourism or halal tourism is synonymous with the name West Nusa Tenggara, the potential for halal tourism owned by the province of NTB is very large. This study aims to determine the effect of perception, understanding and income on public interest in visiting halal tourist destinations in West Nusa Tenggara. This study uses quantitative research by collecting data through distributing questionnaires to 152 respondents. the data collected will be analyzed using Ordinal logistic Regression analysis. The results showed that the perception, understanding and income of the community had a positive and significant effect on the interest in visiting halal tourist destinations

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