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INDONESIA
I-Finance Journal
Published by Universitas Islam Negeri Raden Fatah Palembang
ISSN : 24768871     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
I-Finance: a Research Journal on Islamic Finance is a peer-reviewed journal on Islamic finance.
Arjuna Subject : -
Articles 149 Documents
 11   12   13   14   15 
DYNAMICS OF GENERATION Z SHARIA INVESTMENT DECISIONS : THE ROLE OF FINANCIAL LITERACY, INFLUENCERS, SOCIAL MEDIA AND RELIGIOSITY Muhammad Rijalul Abror Al-Ma’ruf; Lailatul Qadariyah
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/jpqc1v95

Abstract

This research aims to identify the factors that influence Generation Z participation in Islamic investing. Given the significant increase of Islamic investors this study seeks to delve deeper into the roles of financial literacy, the influence of influencers and social media, and the aspect of religiosity as considerations in investment decision making. This qualitative research was conducted through in depth interviews with 10 Generation Z individuals in East Java province. The results show that financial literacy serves as the primary foundation in motivating Generation Z to engage in Islamic investing. Additionally, the influence of influencers and social media, as well as the awareness of the importance of managing finances in accordance with Islamic principles, are significant factors. These findings are expected to contribute to enhancing the financial literacy of Generation Z and serve as a basis for developing effective halal campaigns. By understanding the factors influencing Generation Z investment decisions Islamic capital market players can design products and marketing strategies that are suitable for increasing the number of Islamic investors in Indonesia.
ENHANCING MUSTAHIK WELFARE THROUGH ISLAMIC SOCIAL FINANCE: AN INSTITUTIONAL PERSPECTIVE Muhammad Rusdi; Mahmud Alfan Jamil; Sinsin Asmy
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/zf36f577

Abstract

This research aims to determine the efforts of Islamic social financing institutions in Palembang, including Baznas and LAZ, to improve the welfare of mustahiq. The key informants in this research are the leaders of Baznas and LAZ. Data analysis techniques using qualitative descriptive. Research findings show that several strategies used by Baznas in distributing zakat, infaq and alms funds to improve mustahik welfare include, meeting basic needs, economic empowerment through productive zakat, educational program scholarships, free health services, priority distribution in remote and underdeveloped areas, cooperation and partnerships with the government, Ramadan programs and community empowerment. Conclusions to improve the welfare of mustahik Baznas and LAZ provide support to Mustahiq in the form of programs and strategies in collaboration with the government
EVALUATION OF CONVENTIONAL AND SHARIA STOCK PERFORMANCE BASED ON SHARPE, TREYNOR, AND JENSEN INDECES Usama Abdullah Fikri; Kurniawati Meylianingrum
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/qf5nvn96

Abstract

The purpose of the research is to analyse the performance of conventional and sharia stocks in the Indonesian capital market for the 2019-2023 period. the LQ45 and JII indices are used as proxies to represent each of the conventional and sharia stocks. The method used in this research is descriptive method, where the evaluation of the performance of conventional and sharia stocks is measured based on the sharpe, treynor, and jensen indices. The population in this research are all stocks included in the LQ 45 and JII indices in the 2019-2023 period. The samples in this study were 19 conventional stocks from the LQ 45 indices and 13 Islamic stocks from the JII indices. The sampling method used is non-probability sampling with a purposive sampling approach. the results of this study show several stocks that have performed well during the 2019-2023 period, in conventional stocks, namely: ADRO, ANTM, BBRI, ICBP, INCO, ITMG. While in sharia stocks, namely ADRO, ANTM, ICBP, INCO. These stocks can be considered by investors to be included in the investment portfolio. The conclusion of this study is that the performance of conventional and sharia stocks based on the Sharpe, Treynor, and Jensen, value of stocks is dominated by negative values, which means that the condition of stock analysis is quite bad compared to the portfolio, portfolio beta, and the market or benchmark used.
LIQUIDITY DETERMINANTS OF SHARIA COMMERCIAL BANKS asfiyah, lailiyatulmudabbiroh; Dzikrulloh
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/eacwjr37

Abstract

This study aims to analyze the determination of the financing to deposit ratio (FDR), capital adequacy ratio (CAR), and non-performing financing ratio (NPF) on the liquidity of sharia commercial banks from 2018 to 2023. The focus of the sample for this study is sharia commercial banks registered in Financial Services Authority (OJK), through the application of quantitative methodology. This research uses monthly financial reports of Islamic commercial banks from 2018 to 2023 as a sample. The sampling technique applied was purposive sampling, while technical multiple linear regression analysis using SPSS 16.0 was applied to assess the impact of each variable on liquidity. The conclusion obtained from this study states that in that period, NPF had a significant impact on the liquidity of sharia commercial banks. However, apart from that, the FDR and CAR did not show a significant effect on the liquidity of Islamic commercial banks in that period.
THE EFFECT OF SHARIA FINANCIAL LITERACY, RELIGIOSITY, AND SERVICE QUALITY TOWARDS INTERESTING KSPPS PRODUCTS Nafa Chalwa Salsabila; Ahmad Makhtum
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/p3vsf509

Abstract

The purpose of this research is to understand how Sharia Financial Literacy, Religiosity, and Service Quality can influence Members' interest in using KSPPS NU Dukun products. In this study, 231 respondents were involved using a quantitative methodology selected through the Proportional Random Sampling technique. An online questionnaire was used to collect data, and multiple linear regression was used to analyze it. The research results indicate that sharia financial literacy does not significantly affect member interest, while religiosity and service quality show significant influence. Simultaneously, the three variables influence member interest with a coefficient of determination of 56.5%. This study implies that increasing member interest in using KSPPS NU Dukun products is more effectively achieved through enhancing religiosity and service quality, while efforts to improve sharia financial literacy need to be accompanied by strategies to build trust and adjust products to the financial capabilities of prospective members.
THE EFFECT OF INFLATION AND UNEMPLOYMENT ON NPF IN ISLAMIC COMMERCIAL BANKS IN INDONESIA Tsania Hayatun Thoyyibah; Faizal Amir
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/acznrq12

Abstract

This research seeks to examine the influence of inflation and the number of unemployed people on the problematic financing (NPF) of sharia commercial banks. The monthly time period from 2012 to 2023 was used as secondary data in this study. The quantitative method of this study used the time series VAR method which was then transformed into VECM. The data used comes from secondary sources, namely Sharia Banking Statistics from the OJK which includes Problematic Financing data; Bank Indonesia reports accessed via its official website which includes inflation data; and information from the official website of the Central Statistics Agency (BPS) which provides open unemployment rate (TPT) data. Inflation and unemployment are the two main factors that influence Sharia Commercial Bank Non-Performing Financing in this analysis. Study findings indicate that non-performing financing of sharia commercial banks in the long and short term is positively influenced by unemployment and inflation. The conclusion is that there is a significant positive influence between inflation on NPF, the higher the inflation value, the higher the NPF value in Sharia Commercial Banks. Likewise, unemployment has a significant influence on NPF, so the higher the unemployment rate, the higher the NPF level.
THE INFLUENCE OF KNOWLEDGE AND RELIGIOSITY ON ZIS DIGITAL PAYMENTS WITH EASE OF ACCESS TO TECHNOLOGY AS A MODERATING VARIABLE Mia Amelia; Nasrulloh
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/11dd9c13

Abstract

The purpose of this study is to evaluate the level of knowledge and religiosity towards ZIS digital payments through the BAZNAS platform among students. The population in this study is students of the Faculty of Islam, Trunojoyo Madura University, with a minimum sample of 91 respondents selected using random sampling techniques. This research method uses a quantitative method with an analysis technique using the Structural Equation Model (SEM)-Partial Least Square (PLS), which goes through 3 stages, namely: Outer Mode Analysis, Inner Model, and Hypothesis Testing. The results of the study show that knowledge has a significant effect on digital payments, while religiosity has no significant effect on digital payments, ease of technology has a significant effect on digital payments, ease of technology cannot moderate knowledge of digital payments, and ease of technology cannot moderate religiosity towards digital payments. In conclusion, to increase ZIS digital payments among students, it is necessary to increase knowledge and religiosity as the main foundation. The ease of technology is also a significant supporting factor, to ensure that the ZIS digital payment process is more practical and easily accessible.
FINANCIAL DETERMINANTS OF MUDHARABAH AND MUSYARAKAH FINANCING: EMPIRICAL INSIGHTS FROM INDONESIAN ISLAMIC COMMERCIAL BANKS Dinda Ruliana Dewi; Khusnudin
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/7sfcdn58

Abstract

This study aims to analyze the relationship between mudharabah and musharakah financing in Islamic Commercial Banks with six independent variables: Return on Assets (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Operating Costs to Operating Income (BOPO), and Non-Performing Financing (NPF). The population of the study was Islamic Commercial Banks registered with the Financial Services Authority (OJK), with financial data samples from seven banks during the period 2018–2023.This study uses a quantitative approach with panel data regression analysis. The results of the study indicate that BOPO has a significant positive impact on mudharabah and musharakah financing, while ROA, CAR, and NPF have a significant negative impact. Conversely, ROE and FDR do not have a significant effect on the financing. Overall, the independent variables in this study explain 56.72% of the variation in mudharabah and musharakah financing, while the rest is influenced by other factors outside this research model.The conclusion of this study emphasizes the importance of managing financial performance indicators such as ROA, CAR, BOPO, and NPF to optimize mudharabah and musharakah financing.
DETERMINANTS OF THE DECISION TO BECOME A CUSTOMER OF BANK MUAMALAT KC KEDIRI Ilma Sufia; Yayuk Sri Rahayu
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/szh17r90

Abstract

This study aims to determine the effect of Islamic branding, product quality, personal selling, and digital marketing on customer decisions. The research methodology used is a quantitative approach. Using accidental sampling and purposive sampling methods . The data used in this study are data from questionnaires distributed to customers of Bank Muamalat KC Kediri which are used as research objects. The number of samples used in this study were 148 respondents. In this study using multiple linear regression analysis. The results showed that partially Islamic branding, product quality, and digital marketing variables had no significant effect on the decision to become a customer. However, the personal selling variable partially has a significant effect on the decision to become a customer. The conclusion of this study is that partially the personal selling variable has a significant effect on the decision to become a customer of Bank Muamalat KC Kediri. While the variable Islamic branding, product quality, digital marketing has no significant effect on the decision to become a customer of Bank Muamalat KC Kediri. And simultaneously the four variables have a positive and significant effect on the decision to become a customer of Bank Muamalat KC Kediri.
EVALUATION OF FIVE FLAGSHIP PROGRAMS OF BAZNAS USING INSTAGRAM SENTIMENT ANALYSIS Nurfala Safitri
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/4gm28q44

Abstract

This study aims to analyze the effectiveness of promotional activities for the flagship programs of the National Amil Zakat Agency (BAZNAS) through Instagram and to evaluate the challenges encountered, such as promotional imbalance and low public trust due to a lack of transparency and consistency in communication. A quantitative text-based approach was employed, utilizing a sample of 135 captions from the BAZNAS Instagram account (@baznasindonesia) collected through web scraping. The analysis techniques included text mining, topic analysis, and promotional effectiveness evaluation based on keyword distribution. The findings revealed a promotional imbalance, with the "Indonesia Peduli" program dominating over others, such as "Indonesia Takwa" and "Indonesia Sehat." Additionally, analysis of BAZNAS’s fundraising reports indicated significant disparities in fund allocation, with the majority concentrated on the "Indonesia Peduli" program. The study concludes that BAZNAS's social media promotions need improvement to ensure a more balanced representation and effective zakat fundraising by enhancing transparency and consistency in communication to restore public trust.

Page 14 of 15 | Total Record : 149

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