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149 Documents
<![CDATA[THE ROLE OF PRODUCTIVE ZIS, ISLAMIC WORK ETHIC, AND LENGTH OF BUSINESS ON THE WELFARE OF MSMES ]]>
<![CDATA[Maghfiroh, Fika]]>;
<![CDATA[Adiba, Elfira Maya]]>
<![CDATA[ I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/ifinance.v9i2.20412
<![CDATA[This research aims to determine the influence of productive ZIS, Islamic work ethic and length of business on the welfare of MSMEs. This research methodology is quantitative, using multiple linear regression analysis techniques with non-probability sampling techniques with a purposive sampling approach. The sample in this study was 103 mustahik who received Productive Zakat from several zakat amil institutions in the GERBANGKERTOSUSILA area. The research results show that the calculated t value for the Productive ZIS and Length of Business variables is respectively equal to1.542 and -0.663 < t table 1.984 which means that it partially has no effect onwelfare of MSMEs, while the calculated t value for the Islamic Work Ethic variable is3.532 > t table 1.984 which means it partially has a significant effect onwelfare of MSMEs.The calculated f value (11.198) > table f value (2.70) means that the variables Productive ZIS, Islamic Work Ethic and Length of Business simultaneously influence the welfare of MSMEs. Conclusion: Simultaneously, Productive ZIS, Islamic Work Ethic, and Length of Business influence the welfare of MSMEs. Partially, the ZIS Productivity and Length of Business variables have no effect on the welfare of MSMEs. Meanwhile, the Islamic Work Ethic has a significant influence on the welfare of MSMEs.]]>
<![CDATA[THE EFFECT OF CORPORATE GOVERNANCE ON R&D INVESTMENT WITH FINANCIAL SLACK AS A MEDIATING VARIABLE ]]>
<![CDATA[Riantoni, Ivan Akbar]]>
<![CDATA[ I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/ifinance.v9i2.20465
<![CDATA[The aim of this research is to examine the influence of corporate governance structures, namely independent commissioners and institutional ownership, on research and development (R&D) investment mediated by financial slack in pharmaceutical companies listed on the Indonesian Sharia Stock Index (ISSI) on the Indonesia Stock Exchange during the period (2018-2022). Data were extracted from annual reports and financial statements, with a total of 7 pharmaceutical companies listed on the ISSI serving as the sample. The analytical technique employed was the multiple regression test using panel data, conducted using Eviews. The research findings indicate that financial slack has a positive and significant effect on R&D investment. Independent commissioners have no significant effect on R&D investment. Institutional ownership has a significant effect on R&D investment. Then independent commissioners affect R&D investment through financial slack as a mediating variable, and institutional ownership has no effect on R&D investment through financial slack as a mediating variable. The conclusion is that the greater the level of financial slack, the higher the allocation of funds in R&D investment. Therefore, it is important to choose independent commissioners who are competent according to the company’s sector. On the other hand, institusional ownership is able to increase control over management because it has intensive knowledge, experience, and more networks.]]>
<![CDATA[THE ROLE OF RELIGIOSITY IN INFLUENCING THE KNOWLEDGE AND SOCIAL ENVIRONMENT OF SAVINGS INTEREST ]]>
<![CDATA[Pranata, Ahmad Adi]]>;
<![CDATA[Rahayu, Yayuk Sri]]>
<![CDATA[ I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/ifinance.v9i2.20551
<![CDATA[The aim of this research is to analyze the influence of knowledge, social environment and religiosity on interest in saving in Islamic banks. The research methodology used is quantitative with experimental techniques to test the impact of knowledge and social environment on students' tendencies to practice saving religiously as a mediating factor. The population of this study consisted of students registered at the Faculty of Economics, UIN Malang, with a total of 2494 individuals, and the sample used was 147 students selected using purposive sampling. Data was collected through a Google Form questionnaire which contained statements related to research variables. The research results show that knowledge, social environment, and religiosity have a significant influence on interest in saving in Islamic banks. The conclusion of this research is that these factors can be important considerations in understanding savings behavior in Islamic banks, so they need to be considered in developing marketing strategies and sharia financial education.]]>
<![CDATA[HOW EFFECT FINANCIAL RATIO AND COMPANY SIZE ON ISLAMIC SOCIAL REPORTING DISCLOSURE ]]>
<![CDATA[Afandi, Muhammad Farhan]]>;
<![CDATA[Meylianingrum, Kurniawati]]>
<![CDATA[ I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/ifinance.v9i2.20586
<![CDATA[This study aims to determine the effect of Profitability Ratio, Liquidity Ratio, Company Size on Islamic Social Reporting (ISR) disclosure at Islamic Banks registered in JII for the 2018-2022 period. The data used in this study is secondary data with documentation data collection techniques and literature studies sourced from financial statements. Sample selection using purposive sampling method. The data analysis used was panel data regression with eviews 10. The results of this study show that the variables of Profitability Ratio proportioned by ROA and Company Size portioned by Total Assets have no effect on the disclosure of Islamic Social Reporting (ISR). Meanwhile, the variable Liquidity Ratio portioned by FDR has a negative and significant effect on the disclosure of Islamic Social Reporting (ISR). Then the results of this study show that ROA, FDR, and Company Size together or simultaneously have a positive and significant effect on the disclosure of Islamic Social Reporting (ISR).]]>
<![CDATA[ANALYSIS OF THE POTENTIAL FOR IMPLEMENTING THE CONCEPT OF HALAL TOURISM IN WATU KANDANG TOURISM VILLAGE DESTINATIONS, TRENGGALEK DISTRICT ]]>
<![CDATA[Permana, Dhiam]]>;
<![CDATA[Qadariyah, Lailatul]]>
<![CDATA[ I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/ifinance.v9i2.21123
<![CDATA[This research discusses the analysis of the potential for implementing the halal tourism concept at the Watu Kandang Tourism Village destination in Trenggalek Regency. Watu Kandang Tourism Village is a new tourist destination that focuses on ecotourism and offers direct interaction with nature and the lives of local people. This research aims to analyse the potential for implementing the halal tourism concept in the Watu Kandang Tourism Village based on halal tourism criteria according to the Global Muslim Travel Index. The research method used is qualitative, with data collection techniques through interviews, observation, and documentation. Data were analysed through data reduction, data presentation, and drawing conclusions. The research results show that the Watu Kandang Tourism Village has good potential to be developed into a halal tourist destination. This can be seen from the criteria for halal tourism that are fully in place in the Watu Kendang tourist attraction. Apart from that, this tourism is supported by easy accessibility to the location, adequate worship and toilet facilities, a beautiful and safe environment, as well as food and drinks that guarantee halal. So according to the criteria above, Watu Kendang tourism is worthy of being used as a halal tourist destination in Indonesia.]]>
<![CDATA[The Moderating Effect of Financial Literacy on the Determining Influence of Firm Value Factors ]]>
<![CDATA[Ahmad, Yusuf Falaqi]]>;
<![CDATA[Guntur Kusuma Wardana]]>
<![CDATA[ I-Finance Journal Vol 10 No 1 (2024): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/7y2crf71
<![CDATA[The goal is to ensure the company's continuous growth and smooth operation, thereby benefiting the financial well-being of issuers or shareholders. The purpose of this research is to identify the moderating influence of financial literacy on the company's value and the relative importance of profitability, investment decisions, and dividend policies. The population in this study consists of 186 members of the IFSB. Sample selection was done using purposive sampling techniques, resulting in 11 Sharia banks in the Asian region as samples. The data used are secondary data taken by accessing the annual financial reports of each Sharia bank on its official website for the period 2019–2022. By utilizing multiple regression model analysis tools on panel data and carrying out interaction tests, which are generally known as moderated regression analysis using Eviews 10. The findings indicate that, partially, investment decisions and profitability significantly influence the company's value, but dividend policies do not play a significant role in affecting the company's value. Financial literacy is proven to moderate the impact of profitability and investment decisions on the company's value but cannot moderate the impact of dividend policies on the company's value. In conclusion, profitability and investment decisions significantly contribute to the increase in the company's value and can be strengthened by financial literacy, while the increase in dividend policies actually decreases the company's value.]]>
<![CDATA[ANALYSIS OF BANK SHARIA INDONESIA'S FINANCIAL PERFORMANCE BEFORE AND AFTER THE MERGER ]]>
<![CDATA[Kosim, Nanang]]>;
<![CDATA[Wardana, Ditya]]>
<![CDATA[ I-Finance Journal Vol 10 No 1 (2024): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/71myzr84
<![CDATA[The aim of this research is to find out whether there are changes in the financial performance of Bank Syariah Indonesia before and after the merger. The population and sample used were 3 sharia banks that merged into PT. Bank Syariah Indonesia (BSI) which includes PT. Bank Syariah Mandiri (BSM), PT BNI Syariah (BNIS), and PT BRI Syariah (BRIS). Observation data is in the form of quantitative information taken from annual financial reports for the pre-merger period 2019-2020 and the post-merger period 2021-2022. The research methodology used includes descriptive statistics using the maqashid sharia index (MSI) technique. The findings of the data analysis show that financial performance as measured by MSI for the ranking results, BNIS is ranked first, BSI is second, BRIS is third and BSM is fourth. BNIS received first place with superior results for the first and second performance indicators, while BRIS's third indicator was superior. Even though BNIS was ranked first in the MSI results, the average MSI results before the merger from the combination of BRIS, BNIS and BSM were still lower than the MSI results of BSI bank. The conclusion shows that the financial performance using the BSI bank MSI technique is better after the merger if compared to before the merger based on the average of pre- and post-merger MSI results..]]>
<![CDATA[THE ROLE OF FINANCIAL LITERACY AND RELIGIOSITY ON STUDENT SAVING INTEREST ]]>
<![CDATA[Muammar Al Hamidhi]]>;
<![CDATA[Achmad Zaki]]>
<![CDATA[ I-Finance Journal Vol 10 No 1 (2024): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/whqd4v86
<![CDATA[This study aims to investigate the effect of financial literacy and religiosity on students' interest in saving. The population of this study were 126 students of the Management Study Program at Nahdatul Ulama University. The sample was taken based on the criteria, namely those who had obtained courses related to financial literacy so that a sample of 45 people was obtained. The analysis technique uses multiple regression with hypothesis testing, namely the t test and F test. The t test results show that the level of financial literacy partially has a significant effect on students' interest in saving. Religiosity partially has a significant effect on students' interest in saving. The results of the F test show that simultaneously the level of financial literacy and religiosity has a significant effect on students' interest in saving. The conclusion is that both partially and simultaneously the level of financial literacy and religiosity has a significant effect on students' interest in saving.]]>
<![CDATA[DETERMINATION OF POVERTY LEVELS IN ACEH PROVINCE ]]>
<![CDATA[Uswah, Uswatun Hasanah]]>;
<![CDATA[safrina, lia]]>
<![CDATA[ I-Finance Journal Vol 10 No 1 (2024): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/81bcz555
<![CDATA[This research was conducted to analyze the effect of the Open Unemployment Rate, Inflation Rate, HDI Level and ZIS Realization on the Poverty Level in Aceh Province. The data secondary from data Aceh Central Statistics Agency (BPS) in the form of data on the Percentage of Poor Population as the dependent variable, data from 18 districts and 5 cities in Aceh Province represented by data on the Open Unemployment Rate, Inflation Rate, HDI Rate and data on the realization of Zakat, Infaq and Sadaqah (ZIS) from Baitul Mal Aceh in 2007-2021. The data analysis technique used to test the hypothesis in this study is multiple linear regression analysis. The results of this study indicate that; Partially the unemployment variable has no significant effect on the poverty rate in Aceh Province, this can be seen from the sig value which is 0.107 > 0.05. The inflation that has no significant effect on the poverty, this can be seen from sig value wich is 0.309>0.05. The human development index variable that also has no significant effect on the poverty, its a sig value of 0.162 > 0.05. The ZIS realization variable that has significant effect on the poverty this can be seen from the sig value which is 0.000 < 0.05.. Based on the description above, it can be concluded that open unemployment, the inflation rate and the HDI level have no effect on poverty and the only the realization of zakat has an effect on the poverty level in Aceh province.]]>
<![CDATA[ANALYSIS BSI KC JOMBANG CUSTOMER INTEREST IN USING BSI MOBILE THROUGH THE FRAMEWORK TAM ]]>
<![CDATA[Nur Holifah, Febylia]]>;
<![CDATA[Elfira Maya Adiba]]>
<![CDATA[ I-Finance Journal Vol 10 No 1 (2024): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/80ddhw33
<![CDATA[The purpose of this study was to analyze the effect of perceived ease of use, perceived usefulness, and user attitudes on customer interest in using BSI Mobile. The population of this study consisted of 968 BSI Mobile user customers registered at BSI KC Jombang in 2023, and the sample used was 284 customers selected using purposive sampling method with the criteria that respondents were at least 17 years old and had become BSI Mobile users. The research method used is quantitative with analysis techniques using the Structural Equation Model (SEM)-Partial Least Square (PLS). Data is collected through a google form questionnaire containing questions related to variables. The results of this study indicate that perceived convenience has a significant effect on perceived benefits, perceived convenience has a significant effect on user attitudes, perceived benefits have a significant effect on user attitudes, and user attitudes have a significant effect on customer interest in using BSI Mobile. The conclusion that efforts to improve perceived ease, perceived benefits, and user attitudes towards the BSI Mobile application will have a positive impact on customer interest in adopting and using BSI Mobile on an ongoing basis.]]>
