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Jurnal Ekonomi Syariah Teori dan Terapan

JESTT
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Published by Universitas Airlangga

ISSN : 24071935 EISSN : 25021508 DOI : -

Core Subject : Economy,

Economics, Econometrics & Finance

Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews.

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Value for Money Perception on Buying Intention Halal Cosmetics: Mediated by Emotional Brand Attachment Hafidza Gumelar Muksininna; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp617-627

ABSTRAK Penelitian ini bertujuan untuk mengetahui adanya pengaruh value for money perception dan emotional brand attachment terhadap niat membeli kosmetik halal khususnya produk Innisfree. Selain itu, untuk meningkatkan literasi tentang value for money perception dan emotional brand attachment terhadap buying intention. Pendekatan kuantitatif digunakan dalam metodologi penelitian ini dengan Path Analysis sebagai teknik analisis data. Pengumpulan data dengan menyebarkan kuesioner skala Likert berskala lima secara online. Responden dalam penelitian ini adalah 100 mahasiswi diberbagai universitas di Surabaya yang belum pernah menggunakan produk Innisfree. Hasil dari riset menunjukkan bahwa hubungan antar variabel value for money perception terhadap buying intention, value for money perception terhadap emotional brand attachment, dan emotional brand attachment terhadap buying intention ketiganya memiliki pengaruh secara signifikan positif. Kata Kunci: Value for Money Perception, Emotional Brand Attachment, Buying Intention, Kosmetik Halal. ABSTRACT This study aims to determine the effect of value for money perception and emotional brand attachment on the intention to buy halal cosmetics, especially Innisfree products. In addition, to increase literacy about value for money perception and emotional brand attachment to buying intention. A quantitative approach is used in this research methodology with Path Analysis as a data analysis technique. Collecting data by distributing a five-scale Likert scale questionnaire online. Respondents in this study were 100 female students in various universities in Surabaya who had never used Innisfree products. The results of the research show that the relationship between the variable value for money perception on buying intention, value for money perception on emotional brand attachment, and emotional brand attachment on buying intention, all three have a significant positive effect. Keywoards: Value for Money Perception, Emotional Brand Attachment, Buying Intention, Halal Cosmetics. DAFTAR PUSTAKA Alnawas, I., & Hemsley-Brown, J. (2018). The differential effect of cognitive and emotional elements of experience quality on the customer-service provider’s relationship. International Journal of Retail & Distribution Management, 46(2), 125–147. Aw, E. C., Chuah, S. H., & Fazli, M. (2021). Go loud or go home ? How power distance belief influences the effect of brand prominence on luxury goods purchase intention. Journal of Retailing and Consumer Services, 58(September 2020), 102288. https://doi.org/10.1016/j.jretconser.2020.102288 Briliana, V., & Mursito, N. (2017). Exploring antecedents and consequences of Indonesian Muslim youths' attitude towards halal cosmetic products: A case study in Jakarta. Asia Pacific Management Review, 22(4), 176-184. Budiyono, B. S., & Ratnasari, R. T. (2020). Determinants factors of hindus customers in using bank muamalat service. 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Journal of Consumer Behaviour, August, 1–13. https://doi.org/10.1002/cb.1871 Dabbous, A., & Barakat, K. Aoun. (2020). Bridging the online offline gap: Assessing the impact of brands’ social network content quality on brand awareness and purchase intention. Journal of Retailing and Consumer Services, 53(March 2019), 101966. https://doi.org/10.1016/j.jretconser.2019.101966 Dash, G., Kiefer, K., & Paul, J. (2021). Marketing-to-Millennials: Marketing 4.0, customer satisfaction and purchase intention. Journal of Business Research, 122(February 2020), 608–620. https://doi.org/10.1016/j.jbusres.2020.10.016 Dwivedi, A., Johnson, L. W., Wilkie, D. C., & Araujo-Gil, L. D. (2019). Consumer emotional brand attachment with social media brands and social media brand equity. European Journal of Marketing, 53(6), 1176–1204. https://www.emerald.com/insight/search?q=Emotional Fastoso, F., & González-Jiménez, H. (2020). Materialism, cosmopolitanism, and emotional brand attachment: The roles of ideal self-congruity and perceived brand globalness. Journal of Business Research, 121(December), 429–437. https://doi.org/10.1016/j.jbusres.2018.12.015 Hayati, A., & Ratnasari, R. T. (2020). Factors affecting muslim consumer decisions on choosing Islamic hotel. Hamdard Islamicus, 43(2), 619–638. Henry, A. (2001). Consumer Behaviour and Marketing Action. Singapore. Thomson Learning Innisfree. (2021). Konsep Brand Innisfree. Retrieved from innisfree.com Japutra, A., Ekinci, Y., & Simkin, L. (2019). Self-congruence, brand attachment and compulsive buying. Journal of Business Research, 99(August), 456–463. https://doi.org/10.1016/j.jbusres.2017.08.024 Kaufmann, H. R., Petrovici, D. A., Filho, C. G., & Ayres, A. (2016). Identifying moderators of brand attachment for driving customer purchase intention of original vs counterfeits of luxury brands. Journal of Business Research, 69(12), 5735–5747. https://doi.org/10.1016/j.jbusres.2016.05.003 Kementerian Agama RI. (2021). Al-Qur'an dan terjemahan. Retrieved from www.quran.kemenag.go.id Khalek, A. A., & Ismail, S. H. S. (2015). Why are we eating halal – Using the theory of planned behavior in predicting halal food consumption among generation Y in Malaysia. International Journal of Social Science and Humanity, 5(7), 608–612. https://doi.org/10.7763/ijssh.2015.v5.526 Kotler, P., & Amstrong, G. (2008). Prinsip-prinsip pemasaran. Jakarta: Erlangga Ku, T., & Lin, T. (2018). Effects of luxury brand perceptions on brand attachment and purchase intention: A comparative analysis among consumers in China, Hong Kong and Taiwan. South African Journal of Business Management, 49(1), 1–9. https://doi.org/10.4102/sajbm.v49i1.6 Li, G., Li, G., & Kambele, Z. (2012). Luxury fashion brand consumers in China: Perceived value, fashion lifestyle, and willingness to pay. Journal of Business Research, 65(10), 1516–1522. https://doi.org/10.1016/j.jbusres.2011.10.019 Lim, X., Cheah, J., Cham, T., Ting, H., & Memon, M. (2020). Compulsive buying of branded apparel, its antecedents, and the mediating role of brand attachment. Asia Pacific Journal of Marketing and Logistics, 32(7), 1539–1563. https://doi.org/10.1108/APJML-03-2019-0126 Liu, D., & Guo, X. (2017). Can trust and social benefit really help? Empirical examination of purchase intentions for wearable devices. Information Development, 33(1), 43–56. https://doi.org/10.1177/0266666916635724 Mattila, Anna, W. Y. (2016). Why do we buy luxury experiences? Measuring value perceptions of luxury hospitality services. International Journal of Contemporary Hospitality Management, 28(9), 1848-1867. https://doi.org/10.1108/IJCHM-11-2014-0579 Bappenas. (2018). Masterplan Ekonomi Syariah Indonesia 2019-2024. 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Evaluation and Program Planning, 80(July 2018), 101799. https://doi.org/10.1016/j.evalprogplan.2020.101799 Pino, G., Amatulli, C., Peluso, A., Nataraajan, R., & Guido, G. (2019). Brand prominence and social status in luxury consumption: A comparison of emerging and mature markets. Journal of Retailing and Consumer Services, 46(November 2017), 163–172. https://doi.org/10.1016/j.jretconser.2017.11.006 Ratnasari, R. T., Ula, U. F., & Sukmana, R. (2020). Can store image moderate the influence of religiosity level on shopping orientation and customers’ behavior in Indonesia? Journal of Islamic Accounting and Business Research, 12(1), 78–96. https://doi.org/10.1108/JIABR-01-2017-0006 Sedianingsih, Ratnasari, R. T., Prasetyo, A., & Mawardi, I. (2018). Determinant of intention to check-up back to doctors at public hospital. International Journal of Engineering and Technology(UAE), 7(3), 31–32. https://doi.org/10.14419/ijet.v7i3.21.17088 Standard, D. (2019). State of the global Islamic economy report 2019/20. Dubai International Financial Centre, 1–174. Retrieved from https://haladinar.io/hdn/doc/report2018.pdf Suhartanto, D., Dean, D., Sarah, I. S., Hapsari, R., Amalia, F. A., & Suhaeni, T. (2020). Does religiosity matter for customer loyalty? Evidence from halal cosmetics. Journal of Islamic Marketing, 12(8), 1521-1534. https://doi.org/10.1108/JIMA-03-2020-0069 Suparno, C. (2020). Online purchase intention of halal cosmetics: S-O-R framework application. Journal of Islamic Marketing, 12(9), 1665-1681. https://doi.org/10.1108/JIMA-09-2019-0192 Thomas, T., & Johnson, J. (2017). The impact of celebrity expertise on advertising effectiveness: The mediating role of celebrity brand fit. Vision, 21(4), 367–374. https://doi.org/10.1177/0972262917733174 Vahdat, A., Hafezniya, H., Jabarzadeh, Y., & Thaichon, P. (2020). Emotional brand attachment and attitude toward brand extension. 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The Effect of Celebrity Endorser and Content Marketing on Purchase Intention of Fashion Muslim Fauziyah Putri; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp672-680

ABSTRAK Halal fashion saat ini menjadi salah satu sektor yang diminati konsumen di Indonesia. Mayoritas penduduk Indonesia yang merupakan muslim menjadikan pangsa pasar industri fashion Muslim sangat besar. Permintaan produk fashion muslim semakin tinggi karena kesadaran perempuan Muslim dalam menutup aurat juga sudah tinggi. Apalagi, konsumen saat ini suka melihat fashion influencer di sosial media seperti Instagram. Serta penggunakan content marketing yang menarik juga mempengaruhi konsumen untuk membeli sebuah produk. Penjualan produk fashion muslim semakin mudah diakses konsumen dengan andanya media digital untuk melihat dan bertransaksi. Tujuan penelitian ini adalah untuk melihat pengaruh pendukung selebriti dan pemasaran konten. Penelitian ini menggunakan metode kuantitatif. Dengan teknik data yaitu kuisioner yang disebarkan secara online kepada 100 responden perempuan muslim yang pernah mengakses platform online brand fashion muslim Vanilla Hijab. Teknik analisis yang digunakan dalam penelitian ini yaitu regresi linier berganda. Hasil dari penelitian ini menunjukkan celebrity endorser memiliki pengaruh positif signifikan terhadap niat beli, dan konten pemasaran juga memiliki pengaruh positif signifikan terhadap niat beli toko online fashion Vanilla Hijab. Kata-Kunci: Celebrity Endorser, Content Marketing, Purchase Intention, Fashion Muslim. ABSTRACT Halal fashion is currently one of the sectors that consumers in Indonesia are interested in. The majority of Indonesia's population who are Muslim makes the market share of the Muslim fashion industry very large. The demand for Muslim fashion products is getting higher because the awareness of Muslim women in covering their genitals is high. Moreover, consumers today like to see fashion influencers on social media like Instagram. And the use of attractive content marketing also influences consumers to buy a product. The sale of Muslim fashion products is increasingly accessible to consumers by relying on digital media to view and transact. The purpose of this study was to examine the influence of celebrity supporters and content marketing. This research uses quantitative methods. With the data technique, namely a questionnaire distributed online to 100 Muslim female respondents who have accessed the online platform for the Muslim fashion brand Vanilla Hijab. The analysis technique used in this study is multiple linear regression. The results of this study indicate celebrity endorsers have a significant positive effect on purchase intention, and marketing content also has a significant positive effect on purchase intention of Vanilla Hijab fashion online shop. Keywords: Celebrity Endorser, Content Marketing, Purchase Intention, Fashion Muslim. DAFTAR PUSTAKA Abbas, A., Afshan, G., & Khan, S. B. (2018). The effect of celebrity endorsement on customer purchase intention: A comparative study predictors and consequences of human resource outsourcing view project internal marketing view project. Current Economics and Management Research, 4(1), 1–10. Abdurrahim, A., & Sangen, M. (2019). Pengaruh content marketing, sales promotion, personal selling, dan advertising terhadap minat beli konsumen pada hotel biuti di Banjarmasin. Jurnal Sains Manajemen Dan Kewirausahaan, 3(1), 42–47. http://ppjp.ulm.ac.id/journal/index.php/jsmk Andreas, R. (2013). The big book of content marketing: Use Strategies and SEO Tactics to Build Return-Oriented KPIs for Your Brand's Content. Andreas.com. Audia, D. S., Jayawinangun, R., & Ferdinan, F. (2018). Pengaruh celebrity endorser terhadap minat pembelian produk Aidi.Id (Studi pada followers instagram Aidi.Id). Jurnal Penelitian Sosial Ilmu Komunikasi, 3(1), 76–95. https://doi.org/10.33751/jpsik.v3i1.1012 Badan Pusat Statistik. (2016). 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Analisis efektivitas iklan televisi softener soft & fresh di Jakarta dan sekitarnya dengan menggunakan consumen decision model. Jurnal Ekonomi Perusahaan, 11(1), 35–55. Ferdinand, A. (2002). Structural equation modelling dalam penelitian manajemen. Semarang: Badan Penerbit Universitas Diponegoro. Gao, D. (2018). Research on the influencing factors of customer’s purchase intention in the context of content marketing. Proceedings of the 2018 2nd International Conference on Education Science and Economic Management (ICESEM 2018), 1184–1189. https://doi.org/10.2991/icesem-18.2018.277 Joe, P. (2009). What Is Content Marketing?. Retrieved from https://contentmarketinginstitute.com/ what-is-content-marketing/ Kim, J., Kang, S., & Lee, K. H. (2020). How social capital impacts the purchase intention of sustainable fashion products. Journal of Business Research, 117(November 2017), 596–603. https://doi.org/10.1016/j.jbusres.2018.10.010 Lapod, A. C. (2020, October 28). Belajar dari CEO Vanilla Hijab, cara mulai bisnis fashion dengan modal kecil. Retrieved from https://kumparan.com/kumparanwoman/belajar-dari-ceo-vanilla-hijab-cara-mulai-bisnis-fashion-dengan-modal-kecil-1uTjF96VapG/full Lee, J., & Lee, J. N. (2015). How purchase intention consummates purchase behaviour: The stochastic nature of product valuation in electronic commerce. Behaviour and Information Technology, 34(1), 57–68. https://doi.org/10.1080/0144929X.2013.853837 Lu, L. C., Chang, W. P., & Chang, H. H. (2014). Consumer attitudes toward blogger’s sponsored recommendations and purchase intention: The effect of sponsorship type, product type, and brand awareness. Computers in Human Behavior, 34, 258–266. https://doi.org/10.1016/j.chb.2014.02.007 Phua, J., Lin, J. S. (Elaine), & Lim, D. J. (2018). Understanding consumer engagement with celebrity-endorsed E-Cigarette advertising on instagram. Computers in Human Behavior, 84(March), 93–102. https://doi.org/10.1016/j.chb.2018.02.031 Pusat Pengkajian dan pengembangan Ekonomi Islam. (2008). Ekonomi Islam. Jakarta: PT Raja Grafindo Persada. Rocha, P. I., Caldeira de Oliveira, J. H., & Giraldi, J. d. M. E. (2019). Marketing communications via celebrity endorsement: an integrative review. Benchmarking, 27(7), 2233–2259. https://doi.org/10.1108/BIJ-05-2018-0133 Royan, F. M. (2004). Marketing selebrities (Selebriti dalam iklan dan strategi selebriti memasarkan diri sendiri). Jakarta: PT Elex Media Komputindo. Schaefer, M. (2016). Learn to create effective content by putting it through the RITE test. Retrieved from https://businessesgrow.com/2016/12/08/create-effective-content/ Seock, Y. K., & Norton, M. (2007). Attitude toward internet web sites, online information search, and channel choices for purchasing. Journal of Fashion Marketing and Management, 11(4), 571–586. https://doi.org/10.1108/13612020710824616 Seyyedamiri, N., & Tajrobehkar, L. (2019). Social content marketing, social media and product development process effectiveness in high-tech companies. International Journal of Emerging Markets, 16(1), 75–91. https://doi.org/10.1108/IJOEM-06-2018-0323 Shafie, S., & Othman, M. N. (2008). Halal Certification: An international marketing issues and challenges. Shimp, T. (2003). Periklanan promosi dan aspek tamnahan komunikasi pemasaran terpadu. Jakarta: Erlangga. Sokolova, K., & Kefi, H. (2020). Instagram and youtube bloggers promote it, why should I buy? How credibility and parasocial interaction influence purchase intentions. Journal of Retailing and Consumer Services, 53(January). https://doi.org/10.1016/j.jretconser.2019.01.011 Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: CV. Alfabeta. Wang, J. S., Cheng, Y. F., & Chu, Y. L. (2012). Effect of celebrity endorsements on consumer purchase intentions: Advertising effect and advertising appeal as mediators. Human Factors and Ergonomics in Manufacturing & Service Industries, 23(5), 357-367. https://doi.org/10.1002/hfm.20336 Ward, J. (2016). A content analysis of celebrity instagram posts and parasocial interaction. Elon Journal of Undergraduate Research in Communications, 7(1). Wijaya, P. S. M., & Teguh, C. (2012). Faktor-faktor yang mempengaruhi minat beli di online shop Specialis Guess. Jurnal Riset Manajemen dan Bisnis, 7(2), 147–160. http://dx.doi.org/10.21460/jrmb.2012.72.79 Xiang, L., Zheng, X., Lee, M. K. O., & Zhao, D. (2016). Exploring consumers’ impulse buying behavior on social commerce platform: The role of parasocial interaction. International Journal of Information Management, 36(3), 333–347. https://doi.org/10.1016/j.ijinfomgt.2015.11.002 Yodi H. P., Widyastuti, S., & Noor, L. S. (2020). 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The Effect of the Use of M-Payment, Islamic Financial Literacy, Locus of Control on the Financial Behavior Risna Yunia Rahma; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp747-759

ABSTRAK Riset ini bertujuan untuk mendapatkan fakta empiris pengaruh penggunaan m- payment, literasi keuangan syariah, locus of control terhadap perilaku keuangan mahasiswa muslim Surabaya sepanjang pandemi Covid- 19. Riset ini ialah riset kuantitatif. Metode pengambilan sampel dilakukan dengan purposive sampling, kepada 119 mahasiswa muslim Surabaya yang memakai mobile payment. Metode analisis yang digunakan merupakan Structural Equation Modelling-Partial Least Square (SEM-PLS). Hasil riset ini menampilkan bahwa penggunaan m-payment mempengaruhi positif serta signifikan terhadap perilaku keuangan, literasi keuangan syariah mempengaruhi positif serta signifikan terhadap perilaku keuangan, serta economic locus of control mempengaruhi positif serta signifikan terhadap perilaku keuangan. Riset ini mempunyai implikasi bahwa literasi keuangan syariah merupakan aspek yang sangat mempengaruhi dalam menunjang perilaku keuangan seorang, dimana dengan literasi keuangan syariah yang baik diiringi keahlian dalam mengambil keputusan keuangan dapat menghasilkan industri keuangan yang sehat. Walaupun tingkat literasi keuangan syariah mahasiswa muslim Surabaya terletak pada tingkat yang baik, diharapkan pelaku industri keuangan senantiasa mengedukasi warga khususnya mahasiswa dan menyadari bahwa perilaku keuangan sangatlah penting. Riset ini terbatas pada penyebaran sampel yang tidak menyeluruh serta tidak mempertimbangkan bagaimana perilaku keuangan responden saat sebelum pandemi Covid-19 terjadi. Kata Kunci: Mobile payment, Literasi Keuangan Syariah, Locus of control, Perilaku Keuangan. ABSTRACT This research aims to obtain empirical facts about the effect of using m-payments, Islamic financial literacy, locus of control on the financial behavior of Surabaya Muslim students during the Covid-19 pandemic. This research is quantitative research. The sampling method was carried out by purposive sampling, to 119 Muslim students in Surabaya who used mobile payments. The analytical method used is Structural Equation Modeling-Partial Least Square (SEM-PLS). The results of this study show that the use of m-payment has a positive and significant effect on financial behavior, Islamic financial literacy which has a positive and significant influence on financial behavior, and economic locus of control which has a positive and significant influence on financial behavior. This research shows that Islamic financial literacy is a very influential aspect in supporting the behavior of an employee, where good Islamic financial literacy is accompanied by financial decision results that can produce a healthy financial industry. Although the level of Islamic financial literacy of Surabaya Muslim students is at a good level (well literate), it is hoped that the financial industry players will educate citizens, especially students, and realize that financial behavior is important. This research is limited to a sample distribution that is not comprehensive and does not take into account the financial behavior of respondents before the Covid-19 pandemic occurred. Keywords: Mobile payment, Islamic Financial Literacy, Locus of control, Financial behavior. DAFTAR PUSTAKA Dew, J., & Xiao, J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43-59. Grable, J., Joo-yung P., & So-Hyun J. (2009). Explaining financial management behavior for Koreans living in the United States. The Journal of Consumer Affairs, 43(1), 80-107. Ida, I., & Dwinta, C. Y. (2010). Pengaruh locus of control, financial knowledge, income terhadap financial management behavior. Jurnal Bisnis dan Akuntansi, 12(3), 131-144. https://doi.org/10.34208/jba.v12i3.202 Kholilah, N. A., & Iramani. (2013). Studi financial management behavior pada masyarakat Surabaya. Journal of Business and Banking, 3(1), 69-80. http://dx.doi.org/10.14414/jbb.v3i1.255 Liu, T., Pan, B., & Yin, Z. (2020). Pandemic, mobile payment, and household consumption: Micro-evidence from China. Emerging Markets Finance and Trade, 56(10), 2378-2389. https://doi.org/10.1080/1540496X.2020.1788539 Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). Understanding consumer adoption of mobile payment in India: extending meta-utaut model with personal innovativeness, anxiety, trust, and grievance redressal. International Journal of Information Management, 54, 1-16. https://doi.org/10.1016/j.ijinfomgt.2020.102144 Perry, V. G., & Morris, M. D. (2005). Who is in control? The role of self-perception, knowledge, and income in explaining consumer financial behavior. The Journal of Consumer Affairs, 39(2), 299-313. https://psycnet.apa.org/doi/10.1111/j.1745-6606.2005.00016.x Rahim, S. H. A., Rashid, R. A., & Hamed, A. B. (2016). Islamic financial literacy and its determinants among university students: An exploratory factor analysis. International Journal of Economic and Financial Issues, 6(S7), 32-35. Salamanca, N., de Grip, A., Fouarge, D., & Montizaan, R. (2020). Locus of control and investment in risky assets. Journal of Economic Behavior and Organization, 177, 548-568. https://doi.org/10.1016/j.jebo.2020.06.032 Sapir, A. S. M., & Ahmad, W. M. W. (2019). Financial literacy among Malaysian muslim undergraduates. Journal of Islamic Accounting and Business Research, 11(8), 1515-1529. https://doi.org/10.1108/JIABR-10-2017-0149 Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta. Xiao, J. J. (2008). Applying behavior theories to financial behavior. In Handbook of Consumer Finance Research, chapter 5. 10.1007/978-0-387-75734-6_5 Zulaihati, S., Susanti, S., & Widyastuti, U. (2020). Teachers’ financial literacy: Does it impact on financial behavior? Management Science Letters, 10, 653-658. http://dx.doi.org/10.5267/j.msl.2019.9.014

The Effect of Management Performance, Efficiency, Underwriting Performance and Liquidity on the Profitability of Sharia Insurance Companies in Indonesia for 2015-2019 Muhammad Al Fansa Nuhin; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp628-642

ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh kinerja manajemen, efisiensi, kinerja underwriting dan likuiditas terhadap profitabilitas perusahaan asuransi syariah di Indonesia periode 2015-2019 secara parsial dan simultan. Penelitian ini menggunakan metode kuantitatif dengan teknik analisis regresi data panel dan mengambil 24 sampel perusahaan asuransi jiwa maupun umum syariah di Indonesia, sumber data diambil dari laporan keuangan masing-masing perusahaan asuransi syariah dan laporan statistik keuangan OJK. secara parsial kinerja manajemen dan kinerja underwriting berpengaruh positif signifikan terhadap profitabilitas, efisiensi dan likuiditas berpengaruh negatif signifikan terhadap profitabilitas. secara simultan variabel kinerja manajemen, efisiensi, kinerja underwriting dan likuiditas yang diukur melalui rasio perubahan surplus, rasio underwriting, rasio biaya manajemen dan rasio likuiditas berpengaruh signifikan terhadap profitabilitas yang diukur dengan ROE pada perusahaan asuransi syariah di Indonesia periode 2015-2019. Perusahaan asuransi syariah diharapkan dapat mengoptimalkan struktur modal perusahaannya, lalu menjaga kondisi keuangan perusahaan dengan baik terutama dari sisi kewajiban dan biaya operasional perusahaan asuransi syariah. Perusahaan juga diharapkan mampu mengelola dana pesertanya dengan baik agar tidak mengalami defisit underwriting. Kata kunci: Kinerja Manajemen, Efisiensi, Kinerja Underwriting, Likuiditas, Profitabilitas. ABSTRACT This study aims to determine the effect of management performance, efficiency, underwriting performance and liquidity on the profitability of Islamic insurance companies in Indonesia for the 2015-2019 period partially and simultaneously. This study uses a quantitative method with panel data regression analysis techniques and takes 24 samples of sharia life and general insurance companies in Indonesia, the data sources are taken from the financial statements of each sharia insurance company and OJK financial statistics reports. partially management performance and underwriting performance have a significant positive effect on profitability, efficiency and liquidity have a significant negative effect on profitability. Simultaneously, the variables of management performance, efficiency, underwriting performance and liquidity as measured by the ratio of changes in surplus, underwriting ratio, management expense ratio and liquidity ratio have a significant effect on profitability as measured by ROE in Islamic insurance companies in Indonesia for the 2015-2019 period. Islamic insurance companies are expected to optimize the company's capital structure, then maintain the company's financial condition well, especially in terms of obligations and operational costs of sharia insurance companies. The company is also expected to be able to manage the funds of its participants well so as not to experience an underwriting deficit. Keywords: Management Performance, Efficiency, Underwriting Performance, Liquidity, Profitability. DAFTAR PUSTAKA Akotey G., J. O., & Manso, S. L. (2013). The financial performance of life insurance companies in Ghana. Journal of Risk Finance, 14(3), 286-302. https://doi.org/10.1108/JRF-11-2012-0081 Anshori, M., & Iswati, S. (2009). Metodologi penelitian kuantitatif. Surabaya: Universitas Airlangga. Azhari, R. A. (2021). Studi analisis meta pada determinan profitabilitas perusahaan asuransi syariah di Indonesia. Skripsi tidak dipublikasikan. Surabaya: Universitas Airlangga. Bakri, W. (2015). Prinsip-prinsip dasar asuransi syariah. Ijtihad: Jurnal Hukum dan Ekonomi Islam, 9(2), 195-214. http://dx.doi.org/10.21111/ijtihad.v9i2.2521 Baltagi, B. H. (2005). Econometric analysis of panel data. West Sussex: John Willey and Sons Ltd. Darmawi. (2006). Manajemen asuransi. Jakarta: Bumi Aksara. DSN MUI. (2001). Fatwa DSN MUI Nomor 21/DSN-MUI/X/2001 tentang pedoman umum asuransi syariah. Jakarta: DSN MUI. Fadrul., & Simorangkir, M. A. (2019). Pengaruh early warning system dan risk-based capital terhadap kinerja keuangan perusahaan asuransi. Bilancia: Jurnal Ilmiah Akuntansi, 3(3), 348-359. Harahap, S. S. (2001). Teori akuntansi. Jakarta: PT. Raja Grafindo Persada . Juwita, T. (2017). Analisis pengaruh premi klaim investasi dan surplus underwriting terhadap pertumbuhan laba pada industri asuransi syariah tahun 2012-2016. Skripsi tidak dipublikasikan. Salatiga: Institut Agama Islam Negeri (IAIN) Salatiga. Kaya, E. O. (2015). The effects of firm-specific factors on the profitability of non-life insurance companies in Turkey. Int. J. Financial Stud, 3(4), 510-529. https://doi.org/10.3390/ijfs3040510 Kumar, K. A. (2015). International Financial Reporting Standards (IFRS) Adoption on Financial Decisions. J Account Mark, 4(3), 1-6. https://doi.org/10.4172/2168-9601.1000141 Kuncoro, M. (2011). Metode kuantitatif. Yogyakarta: Sekolah Tinggi Ilmu Manajemen YKPN. Makhrus, A. (2017). Manajemen asuransi syariah. Yogyakarta: Litera. Mardhiyyah, A. Z. (2019). Analisis pengaruh pertumbuhan premi, hasil investasi, risiko likuiditas, tingkat kesehatan (solvabilitas) dengan nilai risk based capital dan tingkat efesiensi terhadap kinerja keuangan pada perusahaan asuransi syariah di Indonesia. Skripsi tidak dipublikasikan. Jakarta: Universitas Islam Negeri Syarif Hidayatullah Jakarta. Ngunguni, N. J., Misango, S. M., & Onsiro, M. (2020). Examining the effects of financial factors on profitability of general insurance companies in Kenya. International Journal of Finance of Accounting, 5(1), 1-18. http://dx.doi.org/10.47604/ijfa.1066 Ningrum, S. D. (2014). Analisis faktor-faktor yang mempengaruhi return on equity pada perusahaan asuransi umum. Skripsi tidak dipublikasikan. Semarang: Universitas Diponegoro. OJK. (2015). Laporan statistik perasuransian Indonesia. Jakarta: Otoritas Jasa Keuangan. OJK. (2016). Laporan statistik perasuransian Indonesia. Jakarta: Otoritas Jasa Keuangan. OJK. (2017). Laporan statistik perasuransian Indonesia. Jakarta: Otoritas Jasa Keuangan. OJK. (2018). Laporan statistik perasuransian Indonesia. Jakarta: Otoritas Jasa Keuangan. OJK. (2019). Laporan statistik perasuransian Indonesia. Jakarta: Otoritas Jasa Keuangan. OJK. (2019). Laporan perkembangan keuangan syariah di Indonesia. Jakarta: Otoritas Jasa Keuangan. Puspitasari, N. (2012). Model proporsi tabarru dan ujrah pada bisnis asuransi umum syariah di indonesia. Jurnal Akuntansi dan Keuangan Indonesia, 9(1), 43-55. http://dx.doi.org/10.21002/jaki.2012.03 Ramadhan, Y. (2019). Pengaruh ujrah diterima, beban klaim dan total investasi terhadap laba asuransi jiwa syariah di Indonesia periode 2008-2017. Skripsi tidak dipublikasikan. Surabaya: Universitas Airlangga. Safitri, K. E., & Suprayogi, N. (2017). Analisis kesehatan keuangan dana tabarru yang mempengaruhi profitabilitas pada asuransi syariah di Indonesia. Jurnal Ekonomi Syariah Teori dan Terapan, 4(1), 73-88. https://doi.org/10.20473/vol4iss20171pp73-88 Salsabila, F. H. (2020). Pengaruh rasio-rasio early warning system terhadap profitabilitas perusahaan asuransi jiwa syariah periode 2014-2018. Skripsi tidak dipublikasikan. Surabaya: Universitas Airlangga. Satria, S. (1994). Pengukuran kinerja keuangan perusahaan asuransi kerugian di Indonesia dengan analisis rasio keuangan early warning system. Jakarta : Lembaga penerbit FE-UI. Silalahi, D., Sitepu, R., & Tarigan, G. (2014). Analisis ketahanan pangan dengan model regresi data panel. Saintia Matematika, 2(3), 237-251. Utami, I. G. A. M. P., & Werastuti, D. N. S. (2020). Pengaruh mekanisme corporate governance, early warning system, risk based capital dan hasil investasi terhadap kinerja keuangan. Jurnal Ilmiah Mahasiswa Akuntansi Undiksha, 11(2). 54-64. https://doi.org/10.23887/jimat.v11i2.25922 Wibisono. (2005). Metode statistika. Yogyakarta: Gajah Mada University Press. Widarjono, A. (2013). Ekonometrika: Pengantar dan aplikasinya. Jakarta: Eknosia. Widyarochma, F. (2018). Pengaruh likuiditas pertumbuhan premi dan hasil investasi terhadap profitabilitas perusahaan asuransi syariah di Indonesia Periode 2012-2016. Skripsi tidak dipublikasikan. Surabaya: Universitas Airlangga. Yuliana, Y. (2008). Kinerja keuangan PT. Panin Insurance Tbk. dengan metode MDA. Ilmiah Manajemen Bisnis, 8(1), 75-88. Yuniarti, T. (2020). Pengaruh underwriting dan dana tabarru terhadap laba perusahaan asuransi syariah di Indonesia. 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Analysis of the Effect of Consumption Expenditure, Foreign Direct Investment, and Manufacturing Industry moderated by Labor force on Growth of Economy of OIC Countries during the Covid-19 Pandemic Maulidy Albar; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 6 (2022): November-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20226pp787-799

ABSTRAK Pandemi COVID-19 menyebabkan pertumbuhan ekonomi global melambat. Pertumbuhan ekonomi yang dikuru melalui GDP suatu negara dipengaruhi oleh beberapa hal. OIC merupakan organisasi negara-negara muslim didunia dimana GDP mereka juga juga terdampak secara signifikan akibat pandemi COVID-19. Penelitian ini bertujuan untuk mengobservasi pertumbuhan ekonomi negara anggota OKI yang dipengaruhi oleh variabel Industri manufaktur, Penanaman Modal Asing, dan Total konsumsi yang di moderasi oleh tenaga kerja. Penelitian ini menggunakan jenis data panel. Data diambil dengan menggunakan metode purposive sampling. Penelitian ini menggunakan sampel 10 negara aggota OKI dalam rentan tahun 2018-2020. Studi ini menggunakan teknik Random Effect Model (REM) untuk melihat pengaruh hubungan variabel independen terhadap variabel dependen secara simultan maupun parsial. Hasil menunjukkan bahwa beberapa variable independen seperti total konsumsi dan Penanaman Modal Asing mampu memberikan pengaruh signifikan untuk pertumbuhan ekonomi tanpa harus dimoderasi oleh Tenaga Kerja. Sedangkan industri manufaktur ketika dimoderasi oleh tenaga kerja, justru memberikan pengaruh yang relevan kepada pertumbuhan ekonomi di beberapa negara anggota OKI saat masa pandemi Covid-19. Maka, saran kepada pemangku kepentingan diharapkan memberikan perhatian khusus terhadap sektor industri manufaktur yang sangat banyak menyerap tenaga kerja. Untuk penelitian selanjutnya, diharapkan mampu menambah jumlah sampel data jika topik yang diambil sama dengan penelitian ini karena sampel data terbatas hanya pada negara OKI dalam penelitian ini. Kata kunci: Covid-19, Pertumbuhan Ekonomi, Penanaman Modal Asing, Tenaga Kerja, OKI. ABSTRACT The COVID-19 pandemic has caused global economic growth to slow down. Economic growth measured through a country's GDP is influenced by several things. OIC is an organization of Muslim countries in the world where their GDP has also been significantly affected by the COVID-19 pandemic. This study aimed to observe the economic growth of OIC member countries which is influenced by the variables of the manufacturing industry, foreign investment, and total consumption which are moderated by labor. This research used panel data type. Data were taken using purposive sampling method. This study used a sample of 10 OIC member countries in the 2018-2020 vulnerable years. This study uses the Random Effect Model (REM) technique to see the effect of the relationship of the independent variable on the dependent variable simultaneously or partially. The results showed that several independent variables such as total consumption and foreign investment are able to have a significant influence on economic growth without having to be moderated by the labour force. Meanwhile, the manufacturing industry, when moderated by the labour force, actually has a relevant influence on economic growth in several OIC member countries during the Covid-19 pandemic. Therefore, suggestions to stakeholders are expected to pay special attention to the manufacturing industry sector which absorbs a lot of workers. For further research, it is expected to be able to increase the number of data samples if the topic taken is similar to this recent study because the data sample in this study is limited to only the OIC countries. Keywords: Covid-19, Economics Growth, Foreign Direct Investment, Labor Force, OIC. REFERENCES Almosabbeh, I. A., & Almoree, M. A. (2018). The relationship between manufacturing production and economic growth in the kingdom of Saudi Arabia. Journal of Economic Studies, 45(4), 674–690. https://doi.org/10.1108/JES-02-2017-0029 Anto, M., H. (2013). Introducing an Islamic human development index (i-hdi) to measure development in oic countries. 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Determinants of Murabahah Margin Rate in the Islamic Commercial Bank in Indonesia Adelia Dwi Febrianti; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp681-693

ABSTRAK Penelitian ini bertujuan untuk mengetahui hubungan antara variabel volume pembiayaan, ROA, DPK, NPF, biaya overhead, inflasi, dan BI7DRR dengan tingkat margin murabahah pada bank umum syariah di Indonesia. Pendekatan yang digunakan pada penelitian ini adalah pendekatan kuantitatif dengan metode analisis meta. Penelitian ini menggunakan sembilan belas artikel sampel yang bersumber pada Google Scholar dan Sinta Journal dengan renang waktu selama 6 tahun (2016–2021). Temuan pada penelitian menunjukkan bahwa volume pembiayaan, ROA, DPK, NPF, dan inflasi memiliki pengaruh yang signifikan terhadap tingkat margin murabahah, sedangkan biaya overhead dan BI7DRR tidak berpengaruh signifikan terhadap tingkat margin murabahah. Penelitian ini memberikan implikasi bahwa Bank Syariah harus memperhatikan volume pembiayaan, ROA, DPK, NPF, dan inflasi dalam menentukan tingkat margin dalam pembiayaan murabahah sehingga profitabilitas pada Bank Syariah lebih baik lagi. Kata Kunci: Tingkat Margin Murabahah, Bank Umum Syariah, Analisis Meta, Indonesia. ABSTRACT This study aims to determine the relationship between the variables of financing volume, ROA, TPF, NPF, overhead costs, inflation, and BI7DRR with the level of murabahah margins in Islamic commercial banks in Indonesia. The approach used in this study is a quantitative approach with a meta-analysis method. This study uses nineteen sample articles sourced from Google Scholar and Sinta Journal with time swimming for 6 years (2016 – 2021). The findings in this study indicate that financing volume, ROA, TPF, NPF, and inflation have a significant effect on the level of murabahah margins, while overhead costs and BI7DRR have no significant effect on the level of murabahah margins. This study implies that Islamic banks must pay attention to the volume of financing, ROA, TPF, NPF, and inflation in determining the level of margin in murabahah financing so that the profitability of Islamic banks is even better. Keywords: Murabahah Margin Rate, Islamic Commercial Banks, Meta-Analysis, Indonesia. DAFTAR PUSTAKA Agustina, R. P., & Suprayogi, N. (2018). Faktor-faktor yang mempengaruhi profitabilitas perbankan syariah di Indonesia dan Malaysia (Meta-Analisis penelitian di Indonesia dan Malaysia 2010-2016). Jurnal Ekonomi Syariah Teori Dan Terapan, 5(7), 574–589. https://doi.org/10.20473/vol5iss20187pp576-591 Andriyana, E., & Kusumaningtias, R. (2019). Pengaruh cost of loanable fund, overhead cost dan risk factor terhadap margin murabahah pada bank umum syariah di Indonesia (Periode 20013 - 2017). Jurnal Akuntansi AKUNESA, 8(1). 1-9. Asri, A. R. (2020), Pengaruh financing to deposit ratio (FDR), return on asset (ROA), tingkat suku bunga bank indonesia (BI Rate) dan inflasi terhadap margin murabahah pada perbankan syariah di indonesia. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 8(2). 1-19. Ayufianti, N., & Suprayogi, N. (2020). Meta-analisis: Variabel-variabel yang mempengaruhi tingkat bagi hasil deposito mudharabah (Studi pada bank umum syariah di Indonesia). Jurnal Ekonomi Syariah Teori dan Terapan, 7(4), 646-658. https://doi.org/10.20473/vol7iss20204pp646-658 Ekawati, K., & Shofawati, A. (2019). Faktor-faktor yang mempengaruhi tingkat margin murabahah pada industri perbankan syariah periode 2012-2017. Jurnal Ekonomi dan Bisnis Islam, 5(1), 50-67. https://doi.org/10.20473/jebis.v5i1.10901 Hamida, K. N. (2017). Analisis pengaruh BI rate dan inflasi terhadap pendapatan margin murabahah dengan non-performing financing sebagai variabel intervening (Studi kasus pada bank umum syariah tahun 2011-2015). Skripsi tidak dipublikasikan. Malang: Universitas Islam Negeri Maulana Malik Ibrahim Malang. Imamah, N. (2021). Pengaruh tingkat suku bunga bank Indonesia terhadap pendapatan margin murabahah pada bank umum syariah di Indonesia periode 2017-2018. Mabny: Journal of Sharia Management and Business, 1(1), 49-70. https://doi.org/10.19105/mabny.v1i01.4632 Lyons, L. C. (2003). Meta-analysis: Methods of accumulating results across research domains. 1–17. Retrieved from http://www.lyonsmorris.com/MetaA/macalc/MApaper.pdf Lubis, L. V. M., Harahap, Z., Riana, Z., Rahayu, S., Effendi, S., & Agustami, E. (2021). Pengaruh biaya operasional (BOPO), bagi hasil dana pihak ketiga (DPK), dan cash ratio terhadap margin murabahah pada bank umum syariah. JRAM: Jurnal Riset Akuntansi Multiparadigma, 8(1), 67-76. https://doi.org/10.30743/akutansi.v8i1.4067 Mauluddi, H. (2020). Pengaruh biaya operasional, dana pihak ketiga dan non-performing financing terhadap tingkat margin pembiayaan murabahah pada bank umum syariah di Indonesia. Jurnal Ekonomi Syariah, 5(2), 16-30. https://doi.org/10.37058/jes.v5i2.2190 Musaroh, M., Margasari, N., Laili, N. N., & Pratama, M. R. G. G. (2020). The determinants of murabaha margin income in Islamic banking companies in Indonesia, Diponegoro International Journal of Business, 3(2), 123-130. https://doi.org/10.14710/dijb.3.2.2020.123-130 Mustikawati, Y., & Fikri, A. M. (2020). Pengaruh dana pihak ketiga, biaya operasional, BI rate, dan inflasi pada pendapatan margin murabahah. JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan, 5(1), 121-139. https://doi.org/10.52490/jeskape.v5i1.1189 Nisa, A., Irawati, D., & Prasaja, M. (2020). The effect of third-party fund and financing to deposit ratio on murabahah margin in Islamic banks period 2014-2018. 1st Annual Conference on Ihtifaz: Islamic Economics, Finance, and Banking, 1-13. Nisa, A. (2020). Analysis factors affect of murabahah margin in sharia commercial banks in Indonesia. Jurnal Iqtisaduna, 1(1), 53. https://doi.org/10.24252/iqtisaduna.v1i1.15850 Purwanto, P., & Ratna, S. (2018). Analysis of determinant factors toward margin murabahah of Indonesia Islamic banks. Journal of Business Studies and Mangement Review, 1(2), 45-51. https://doi.org/10.22437/jbsmr.v1i2.5349 Ramadhani, E., & Wardana G. K. (2021). Pengaruh inflasi, BI 7-day repo rate dan nilai tukar terhadap margin murabahah perbankan syariah. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 6(3), 676-690. http://dx.doi.org/10.30651/jms.v6i3.9755 Rahma, Y. (2016). Faktor-faktor yang mempengaruhi margin murabahah bank syariah di Indonesia. Akuntabilitas: Jurnal Ilmu Akuntansi, 9(1), 43-54. https://doi.org/10.15408/akt.v9i1.3584 Rosa, S. S., & Kusumawaty, M. (2021). Pengaruh pembiayaan murabahah dan suku bunga BI terhadap pendapatan margin murabahah perbankan syariah (Studi pada BUS di Indonesia). Jurnal Akuntanika, 5(1), 94-103. Schmidt, F. L., & Hunter, J. E. (1999). Theory testing and measurement error. Intelligence, 27(3), 183–198. https://doi.org/10.1016/S0160-2896(99)00024-0 Sumarna, C. (2018). Analisis pengaruh BI rate, nilai tukar, inflasi dan capital adequacy ratio (CAR) terhadap tingkat margin pembiayaan murabahah di bank umum syariah. Skripsi tidak dipublikasikan. Jakarta: Universitas Islam Negeri Syarif Hidayatullah. Siddiqui, S. S. (2015). The association between corporate governance and firm performance - A meta-analysis. International Journal of Accounting and Information Management, 23(3), 218–237. https://doi.org/10.1108/IJAIM-04- 2014-0023 Singh, H. P., Kumar, S., & Colombage, S. (2017). Working capital management and firm profitability: A meta-analysis. Qualitative Research in Financial Markets, 9(1), 34-47. https://doi.org/10.1108/QRFM-06-2016-0018 Wahyuni, A., Mulyany, R., & Zuhri, Z. (2021). What determines murabahah margin income? Evidence from Islamic commercial banks in Indonesia. Advances in Business Research International Journal, 7(1), 22-32. https://doi.org/10.24191/abrij.v7i1.11996 Yulianto, A., Nurdin, A. A., & Mayasari, I. (2021). Faktor yang memengaruhi pendapatan margin murabahah pada bank umum syariah dan unit usaha syariah. Journal of Applied Islamic Economics and Finance, 1(2), 398-411. https://doi.org/10.35313/jaief.v1i2.2473 Zulpahmi, Z., & Rizqiana, E. (2018). Pengaruh biaya operasional, dana pihak ketiga (DPK), dan non peforming financing (NPF) terhadap margin murabahah pada bank umum syariah di Indonesia. Jurnal Ekonomi & Keuangan Islam, 4(2), 81-86. https://doi.org/10.20885/jeki.vol4.iss2.art4

Analysis of the Impact of Halal Awareness and Halal Labels to the Purchase Intention of Korean Instant Noodles on Adolescents in Sumenep through Attitude Rahmat Robbi Rektiansyah; Ilmiawan Auwalin
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp600-616

ABSTRAK Tujuan dilangsungkannya sebuah penelitian ini ialah untuk mengkaji pengaruh kesadaran halal dan label halal terhadap niat beli mie instan Korea pada remaja di Sumenep melalui sikap. Metode penelitian yang digunakan yaitu kuantitatif dengan menggunakan data primer. Sampel yang digunakan yaitu 100 responden yang belum pernah membeli mie instan Korea. Pengujian menggunakan analisis SEM-PLS dengan konstruk yang menunjukkan semua konstruk mempunyai hasil yang valid, sehingga dilanjutkan pengujian pada hubungan antar variabelnya. Secara langsung kesadaran halal berpengaruh signifikan terhadap sikap, namun kesadaran halal tidak berpengaruh signifikan terhadap niat beli. Label halal berpengaruh secara signifikan t atas niat beli, namun label halal tidak berpengaruh signifikan terhadap sikap, dan sikap berpengaruh secara signifikan atas niat beli. Secara tidak langsung, kesadaran halal berpengaruh signifikan terhadap niat beli jika melalui sikap, sedangkan label halal tidak berpengaruh signifikan terhadap niat beli jika melalui sikap. Penelitian ini hanya berfokus terhadap remaja generasi Z usia 13-23 tahun di Sumenep yang belum pernah membeli mie instan Korea. Adapun saran pada penelitian ini adalah remaja generasi Z di Sumenep diharapkan lebih memperhatikan dan peduli terhadap kehalalan suatu produk yang dikonsumsi, dan bagi peneliti selanjutnya diharapkan meneliti hal serupa dengan mengganti objek dan tempat penelitian. Kata Kunci: Kesadaran Halal, Label Halal, Niat Beli, Sikap. ABSTRACT The purpose of this research is to examine the effect of halal awareness and halal label on the intention to buy Korean instant noodles in adolescents in Sumenep through attitudes. The research method used is quantitative using primary data. The sample used is 100 respondents who have never bought Korean instant noodles. The test uses SEM-PLS analysis with constructs that show all constructs have valid results, so that testing continues on the relationship between the variables. Halal awareness directly has a significant effect on attitudes, but halal awareness has no significant effect on purchase intention. Halal labels have a significant effect on purchase intention, but halal labels have no significant effect on attitudes, and attitudes have a significant effect on purchase intentions. Indirectly, halal awareness has a significant effect on purchase intention if it is through attitude, while the halal label has no significant effect on purchase intention if it is through attitude. This study only focuses on Generation Z teenagers aged 13-23 years in Sumenep who have never bought Korean instant noodles. The suggestion in this study is that Generation Z teenagers in Sumenep are expected to pay more attention and care about the halalness of a product that is consumed, and for future researchers it is expected to examine similar things by changing the object and place of research. Keywords: Halal Awareness, Halal Labels, Purchase Intention. Attitudes. DAFTAR PUSTAKA Abd Rahman, A., Asrarhaghighi, E., & Ab Rahman, S. (2015). Consumers and halal cosmetic products: Knowledge, religiosity, attitude and intention. Journal of Islamic Marketing, 6(1), 148–163. https://doi.org/10.1108/JIMA-09-2013-0068 Adisumarto, H. (2000). Hukum perusahaan mengenai hak atas kepemilikan intelektual (Hak cipta, hak paten, hak merek). Bandung: Mandar Magu. Adiwarman, K. (2010). Ekonomi mikro Islam. Jakarta: PT. RajaGrafindo Persada. Ahaari, J. A. N., & Arifin, N. S. M. (2010). Dimension halal purchase intention: A preliminary study. International Review of Business Research Papers, 6 (4), 444–456. Aliman, N.K. dan Othman, M. N. (2007). Purchasing local and foreign brands: What product attributes matter? 13th astutiAsia Pacific Management Conference, Melbourne, Australia, 400–411. Ambali, A. R., & Bakar, A. N. (2014). People’s awareness on halal foods and products: Potential issues for policy-makers. Procedia - Social and Behavioral Sciences, 121(September 2012), 3–25. https://doi.org/10.1016/j.sbspro.2014.01.1104 Astuti, Y., & Asih, D. (2021). Country of origin, religiosity and halal awareness: A case study of purchase intention of Korean food. Journal of Asian Finance, Economics and Business, 8(4), 0413–0421. https://doi.org/10.13106/jafeb.2021.vol8.no4.0413 Awan, H. M., Siddiquei, A. N., & Haider, Z. (2015). Factors affecting Halal purchase intention – evidence from Pakistan’s halal food sector. Management Research Review, 38(6), 640–660. https://doi.org/10.1108/mrr-01-2014-0022 Azam, A. (2016). An empirical study on non-Muslim’s packaged halal food manufacturers . Journal of Islamic Marketing, 7(4), 441–460. https://doi.org/10.1108/jima-12-2014-0084 Aziz, Y. A., & Chok, N. V. (2013). The role of halal awareness, halal certification, and marketing components in determining halal purchase intention among non-Muslims in Malaysia: A Structural equation modeling approach. Journal of International Food and Agribusiness Marketing, 25(1), 1–23. https://doi.org/10.1080/08974438.2013.723997 Aziz, Y. A., Vui, C. N., Yuhanis, A. A., & Chok, N. V. (2012). The role of halal awareness and halal certification in influencing non-Muslims’ purchase intention. In Proceedings of the 3rd International Conference on Business and Economic Research (3rd ICBER 2012), March, 1819–1830. BPS. (2021). Hasil sensus penduduk 2020 jumlah penduduk Kabupaten Sumenep (Issue 01). Briliana, V., & Mursito, N. (2017). Exploring antecedents and consequences of Indonesian Muslim youths’ attitude towards halal cosmetic products: A case study in Jakarta. Asia Pacific Management Review, 22(4), 176–184. https://doi.org/10.1016/j.apmrv.2017.07.012 Garg, P., & Joshi, R. (2018). Purchase intention of “Halal” brands in India: the mediating effect of attitude. Journal of Islamic Marketing, 9(3), 683–694. https://doi.org/10.1108/JIMA-11-2017-0125 Hair, J., Black, W., Babin, B., & Anderson, R. (2010). Multivariate data analysis: A global perspective. Pearson Education Hasan, H. (2016). A study on awareness and perception towards halal foods among Muslim students in Kota Kinabalu, Sabah. Australia-Middle East Conference on Business and Social Sciences, 803–804. Hendradewi, S., Mustika, A., & Darsiah, A. (2021). Pengaruh kesadaran halal dan label halal terhadap minat beli mie instan Korea pada remaja sekolah di Jakarta. Jurnal Ilmiah Pariwisata, 26(2), 204–212. https://doi.org/10.30647/jip.v26i2.1510 Izzuddin, A. (2018). Pengaruh label halal, kesadaran halal, dan bahan makanan terhadap minat beli makanan kuliner. Jurnal Penelitian Ipteks, 3(2), 100–114. https://doi.org/10.32528/ipteks.v3i2.1886 Kotler, P. (2008). Manajemen pemasaran (Edisi terjemahan). Erlangga: Jakarta. Mukhtar, A., & Butt, M. M. (2012). Intention to choose Halal products: The role of religiosity. Journal of Islamic Marketing, 3(2), 108–120. https://doi.org/10.1108/17590831211232519 Nisrina, D., Widodo, I. A., Larassari, I. B., Rahmaji, F., Kinanthi, G., & Adi, H. (2020). Studi tentang pengaruh budaya Korea pada penggemar K-Pop. Jurnal Penelitian Humaniora, 21(1), 78–88. Rambe, Y., & Afifuddin, S. (2012). Pengaruh pencantuman label halal pada kemasan mie instan terhadap minat pembelian masyarakat Muslim (Studi kasus pada mahasiswa Universitas Al-washliyah, Medan). Jurnal Ekonomi dan Keuangan, 1(1), 14866. Rangkuti. (2010). Pengaruh labelisasi halal terhadap keputusan pembelian produk makanan dalam kemasan (Snack merek Chitato) pada mahasiswa fakultas hukum Universitas Muhammadiyah Sumatera Utara). Skripsi tidak dipublikasikan. Medan: Universitas Sumatera Utara. Rochmanto, B. Al. (2014). Pengaruh pengetahuan produk dan norma religius tehadap sikap konsumen dalam niat mengkonsumsi produk makanan dan minuman halal. Diponegoro Journal of Management, 4(1), 280-291. Sarwono, S. ., & Meinarno, E. . (2009). Psikologi remaja. Surabaya: Raja Grafindo Persada. Schiffman, L. G., & Wisenblit, J. (2019). Consumer behavior. Harlow, United Kingdom: Pearson Education Limited. Setiawati, L. M., Chairy, C., & Syahrivar, J. (2019). Factors affecting the intention to buy halal food by the millennial generation: The mediating role of attitude. DeReMa (Development Research of Management): Jurnal Manajemen, 14(2), 175. https://doi.org/10.19166/derema.v14i2.1738 Shafie, S., & Othman, M. N. (2008). Halal certification: An international marketing issues and challenges. http://www.ncbi.nlm.nih.gov/pubmed/12568103 Shim, D. (2006). Hybridity and the rise of Korean popular culture in Asia. Media, Culture and Society, 28(1), 25–44. https://doi.org/10.1177/0163443706059278 Sudarsono, H., & Nugrohowati, R. N. I. (2020). Determinants of the intention to consume halal food, cosmetics and pharmaceutical products. Journal of Asian Finance, Economics and Business, 7(10), 831–841. https://doi.org/10.13106/jafeb.2020.vol7.no10.831 Sugiyono. (2006). Metode penelitian bisnis. Bandung: CV. Alfabeta. Windiana, L., & Putri, D. N. (2021). Pengaruh logo halal terhadap sikap dan minat beli konsumen UMM Bakery. Jurnal Ekonomi Pertanian dan Agribisnis (JEPA), 5, 1206–1216. https://doi.org/10.21776/ub.jepa.2021.005.0224. Yuliani, F. (2021). Pengaruh label halal dan citra merek terhadap keputusan pembelian produk kosmetik wardah pada rahmah cosmetic Banjarmasin (Studi kasus pada konsumen loyal produk wardah di Banjarmasin Selatan). Skripsi tidak dipublikasikan. Banjarmasin: Universitas Islam Kalimantan MAB.

Determinants of Financial Inclusion Information Disclosure of Islamic Rural Banks in Indonesia Fuis Sukma Ayu; Dian Filianti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 6 (2022): November-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20226pp923-935

ABSTRAK Tujuan dari penelitian ini untuk mengetahui pengaruh dari adanya ukuran bank, umur bank, aktivitas sosial, dan probabilitas terhadap pengungkapan informasi inklusi keuangan di sektor perbankan pada bank pembiayaan rakyat syariah di Indonesia baik secara parsial maupun simultan. Model yang digunakan dalam penelitian ini adalah analisis regresi data panel dengan metode kuantitaif, Aplikasi statistik yang digunakan program Eviews 12. Hasil Penelitian ini menggambarkan dalam parsial bahwa umur BPRS dan CRS memiliki pengaruh positif signifikan terhadap pengungkapan informasi inklusi keuangan, sedangkan dalan ukuran BPRS memiliki pengaruh negative signifikan, kemudian ROA berpengaruh negatif tidak signifikan terhadap pengungkapan informasi inklusi keuangan pada bank pembiayaan rakyat syariah di Indonesia. Namun, secara simultan ukuran BPRS, CRS, umur BPRS dan ROA memiliki pengaruh positif signifikan terhadap pengungkapan informasi inklusi keuangan pada bank pembiayaan rakyat syariah di Indonesia dalam periode 2016-2020. Adapun keterbatasan objek dalam penelitain hanya 32 dari 163 BPRS yang terdaftar di OJK. Penelitian ini diharapkan dapat menjadi evaluasi ataupun masukkan bagi regulator dan BPRS, jika pengungkapan informasi inklusi keuangan sebaiknya diterapkan secara transparan oleh seluruh BPRS, maka dapat meningkatkan reputasi dan kepercayaan dalan menggunakan layanan BPRS. Kata Kunci: ukuran bank, aktivitas sosial, umur bank, profitabilitas, pengungkapan informasi inklusi keuangan. ABSTRACT The purpose of this study was to determine the effect of the existence of bank size, bank age, social activity, and probability on the disclosure of financial inclusion information in the banking sector at Islamic Rural banks in Indonesia either partially or simultaneously. The model used in this study was panel data regression analysis with quantitative methods, statistical applications used by the author was the Eviews 12 program. The results of this study illustrate in partial terms that the age of IRB and CRS has a significant positive effect on disclosure of financial inclusion information, while the size of the IRB has a significant positive effect on the disclosure of financial inclusion information. significant negative, then ROA has no significant negative effect on the disclosure of financial inclusion information in Islamic Rural Banks in Indonesia. However, simultaneously the size of the IRB, CRS, the age of the IRB and ROA have a significant positive effect on the disclosure of financial inclusion information in Islamic Rural bank in Indonesia in the 2016-2020 period. As for the limitations of the object in the research, only 32 out of 163 IRB are registered with the Financial Service Authority. This research is expected to be an evaluation or input for regulators and IRB, if disclosure of financial inclusion information should be implemented transparently by all IRB, it can increase reputation and trust in using IRB services. Keywords: bank size, social activity, bank age, profitability, disclosure of financial inclusion information. REFERENCES Afrin, S., Haider, M.Z. & Islam, M.S. (2017). Impact of financial inclusion on technical efficiency of paddy farmers in Bangladesh. Agricultural Finance Review, 77(4), 484-505. https://doi.org/10.1108/AFR-06-2016-0058 Ali, M.M., Devi, A., Furqani, H. & Hamzah, H. (2020). Islamic financial inclusion determinants in Indonesia: an ANP approach. International Journal of Islamic and Middle Eastern Finance and Management, 13(4), 727-747. https://doi.org/10.1108/IMEFM-01-2019-0007 Alm El-Din, M.M., El-Awam, A.M., Ibrahim, F.M. & Hassanein, A. (2022). Voluntary disclosure and complexity of reporting in Egypt: The roles of profitability and earnings management. Journal of Applied Accounting Research, 23(2), 480-508. https://doi.org/10.1108/JAAR-09-2020-0186. Amari, M. & Anis, J. (2021). Exploring the impact of socio-demographic characteristics on financial inclusion: empirical evidence from Tunisia. International Journal of Social Economics, 48(9), 1331-1346. https://doi.org/10.1108/IJSE-08-2020-0527. Ascarya., Rahmawati, S., & Tanjung, H. (2016). Design and determine holistic financial inclusion index for baitul maal wat tamwil design and determine holistic financial inclusion index for baitul maal wat tamwil. Conference: 2nd International Conference on IPAFEM. Yogyakarta Babajide, A. A., Adegboye, F. B., & Omankhanlen, A. E. (2015). Financial Inclusion and Economic Growth in Nigeria. International Journal of Economics and Financial Issues, 5(3), 629–637. Bose, S., Saha, A., Khan, H. Z., & Islam, S. (2017). Non-financial disclosure and market-based firm performance: The initiation of financial inclusion. Journal of Contemporary Accounting & Economics, 13(3), 263–281. https://doi.org/10.1016/j.jcae.2017.09.006 Das, S. (2021). Pengungkapan informasi inklusi keuangan: Bukti empiris dari industri perbankan Bangladesh. Jurnal Global Bisnis, Ekonomi dan Manajemen, 11(1), 27-41. Fitriana, N. L., & Prastiwi, A. (2014). Faktor-faktor yang mempengaruhi luas pengungkapan sukarela dalam annual report. Diponegoro Journal of Accounting, 642-651. Griselda, I. A., Murhadi, WR., & Utami, M. (2020). Pengaruh tanggung jawab sosial perusahaan terhadap kinerja perusahaan sektor pertambangan yang tercatat di Bursa Efek Indonesia & Malaysia 2014-2018. Jurnal Kewirausahaan & Bisnis, 1(1), 21-30. Haldar, P. K., Rahman, S. M. M., Mia, S., Ahmed, F., & Bashawir, A. (2016). Assessing the role of corporate social responsibility practices of commercial banks in enhancing financial inclusion: A study on banking sector in Bangladesh. International Journal of Economics and Financial Issues, 6(4), 1778–1783. Hossain, M., & Hammami, H. (2009). Advances in accounting, incorporating advances in international accounting voluntary disclosure in the annual reports of an emerging country: The case of Qatar. International Journal of Cardiology, 25(2), 255–265. https://doi.org/10.1016/j.adiac.2009.08.002 Jaya, I. G. N. M., & Sunengsih, N. (2009). Kajian analisis regresi dengan data panel. Prosiding Seminar Nasional Penelitian. Universitas Negeri Yogyakarta. Nur, M., & Priantinah, D. (2012). Analisis faktor-faktor yang mempengaruhi pengungkapan corporate social responsibility di Indonesia (Studi empiris pada perusahaan berkategori high profile yang listing di Bursa Efek Indonesia). Nominal: Barometer Riset Akuntansi dan Manajemen, 1(2), 22-34. https://doi.org/10.21831/nominal.v1i2.996 Otoritas Jasa Keuangan. (2016). POJK Nomor 76/POJK.07/2016 tentang Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan Bagi Konsumen dan/atau masyarakat. Rahmawati. (2020). Financial inclusion disclosure in Islamic microfinance: The case of baitul mal wa tamwil. In Enhancing Financial Inclusion through Islamic Finance, Volume 2 (pp. 137-160). Palgrave Macmillan. Ramzan, M., Amin, M., & Abbas, M. (2021). How does corporate social responsibility affect financial performance, financial stability, and financial inclusion in the banking sector? Evidence from Pakistan. Research in International Business and Finance, 55(August 2020). https://doi.org/10.1016/j.ribaf.2020.101314 Scaltrito, D. (2016). Voluntary disclosure in Italy: Firm-specific determinants an empirical analysis of Italian listed companies. 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The Role of Islamic Family Financial Planning on Fishermen in Sidoarjo Regency Ratna Lukita Indriwati; Fatin Fadhilah Hasib
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 6 (2022): November-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20226pp850-862

ABSTRAK Tujuan Penelitian ini adalah untuk menganalisis peran dari Perencanaan Keuangan Keluarga Islam pada Nelayan di Kabupaten Sidoarjo. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus deskriptif. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi. Kemudian, validasi data dengan triangulasi data. Hasil Penelitian ini menjelaskan bahwa adanya peran dari Perencanaan Keuangan Keluarga Islami pada Nelayan di Kabupaten Sidoarjo dalam mewujudkan kesejahteraan dengan sampel 4 orang nelayan yang direkomendasikan oleh pihak Dinas Perikanan Kabupaten Sidoarjo. Konsep yang digunakan untuk meneliti yakni; Konsep Generasi Kekayaan, Konsep Pemurnian Kekayaan, Konsep Perlindungan Kekayaan, Konsep Akumulasi Kekayaan, dan Konsep Distribusi Kekayaan. Temuan dari Penelitian ini bahwa dari keempat informan nelayan memiliki lebih banyak aset daripada hutang selain itu juga keempat informan nelayan telah mempersiapkan kemungkinan-kemungkinan buruk yang akan terjadi dimasa datang. Sehingga dapat disimpulkan perencanaan keuangan keluarga memiliki peran penting yang dapat membantu seseorang tersebut dalam mewujudkan kesejahteraan. Hal ini dibuktikan dengan kemampuan mengakumulasi yang mana jumlah aset yang dimiliki lebih besar dari hutang, sehingga terdapat kebebasan keuangan pada seseorang tersebut. Kata Kunci: Perencanaan Keuangan Keluarga Islami, Nelayan, Kabupaten Sidoarjo. ABSTRACT This study aimed to analyze the role of Islamic family financial planning for fishermen in Sidoarjo district. This research used a qualitative approach with a descriptive case study method. Data were collected through observation, interviews and documentation. Then, the data was validated with data triangulation. The results of this study explained that Islamic Family Financial Planning played a role for Fishermen in Sidoarjo Regency in realizing prosperity. The study's sample was four fishermen recommended by the Fisheries Office of Sidoarjo Regency. The concept used to research namely; Wealth Generation Concept, Wealth Purification Concept, Wealth Protection Concept, Wealth Accumulation Concept, and Wealth Distribution Concept. The findings from this study were that the four fisherman informants have more assets than debt. In addition, the four fisherman informants have prepared for bad possibilities that will occur in the future. Thus, family financial planning has an important role that can help someone realize prosperity. This was evidenced by the ability to accumulate where the amount of assets owned is greater than debt so that that person has financial freedom. Keywords: Islamic Family Financial Planning, Fishermen, Sidoarjo Regency. REFERENCES Abdullah, A., & Junaina, M. (2013). Ethical values in Islamic planning. Jurnal Pengurusan, 38 (133 – 140). Adiba, E. M., & Shofawati, A. (2017). The role of middlemen and fisherman welfare in maqashid shariah. Journal of Islamic Economics Science, 1(1), 1-15. Agustianto, & Lutfi. (2010). Fiqih perencanaan keuangan syariah. Jakarta: Muda Mapan Publishing. Alkautsar, Z., & Hapsari. M. I. (2014). Implementasi pemahaman konsumsi Islam pada perilaku konsumen muslim. Jurnal Ekonomi Syariah Teori dan Terapan, 1(10), 736-754. https://doi.org/10.20473/vol1iss201410pp736-754 Amanda, F., Possumah, B. T., & Firdaus, A. (2018). Consumerism in personal finance: An Islamic wealth management approach. Al- Iqtishad: Journal of Islamic Economics, 325-340. DOI:10.15408/aiq.vl0i2.5518 Aulia. (2009). Perencanaan keuangan keluarga menciptakan surplus anggaran dalam keuangan keluarga anda. Yogyakarta: Cakrawala. Aulia, N., Yuliati, L, N., & Muflikhati, I. (2019). Kesejahteraan keuangan keluarga usia pension: Literasi keuangan, perencanaan keuangan hari tua, dan kepemilikan aset. Jurnal Ilmu Keluarga dan Konsumen, 12(1), 38-51. https://doi.org/10.24156/jikk.2019.12.1.38 Baidhowi, B., & Zaki, I. (2014). Implementasi konsumsi Islami pada pengajar pondok pesantren (Studi kasus pada pengajar pondok pesantren al aqobah kecamatan diwek kabupaten Jombang). Jurnal Ekonomi Syariah Teori dan Terapan, 1(9), 610-621. https://doi.org/10.20473/vol1iss20149pp610-621 Basah, S., & Tahir, P. R. (2019). Towards acceptance of Islamic wealth management. Journal of Islamic, Social, Economics and Development. DOI: 10.1108/JCM-01-2018-2514] BAZNAS. (2014). Syarat dan tata cara perhitungan zakat mal dan zakat fitrah serta pendayagunaan zakat untuk usaha produktif. Jakarta: BAZNAS. BPS. (2019). Jumlah produksi budidaya ikan menurut kabupaten/kota (ton). Jawa Timur: Badan Pusat Statistik. Finira, D. C., & Yuliati, L. (2013). Perencanaan keuangan keluarga dalam pembelian asuransi jiwa. Jurnal Ilmu Keluarga Dan Konsumen Bogor, 6(3), 180-189. http://dx.doi.org/10.24156/jikk.2013.6.3.180 IBFIM. (2016). Islamic financial planning and wealth management. Kuala Lumpur: IBFIM. Joko, A. (2012). Pola konsumsi, investasi dan proteksi sebagai indikator perencanaan keuangan keluarga (Studi pada masyarakat kabupaten Sidoarjo). Jurnal Media Mahardika, 10(2), 44-66. Lahsasna, A. (2017). Islamic financial planning for households. Wealth Purification, Elgar Online Chapter 15. DOI:10.4337/9781786439390.00024 Mumtahiyah. (2015). Implementasi profesi nelayan muslim dalam mewujudkan kesejahteraan perspektif maqashid syariah (studi kasus kabupaten jembrana bali). Tesis tidak dipublikasikan. Universitas Airlangga. Nurizal, I., & Antonio, M. S. (2012). The Islamic wealth management: An analysis from ibn sina’s perspective. Journal of Islamic Thought and Civilization, 2(1), 19-36. https://doi.org/10.32350/jitc.21 Peter, G. (2014). The role of parents in educating finance at children (library studies). ITI –NGO. Rahmawati. (2010). Tingkat kesadaran masyarakat dalam perencanaan keuangan keluarga perpsektif ekonomi islam (studi pada masyarakat kelurahan cempaka putih ciputan). Skripsi tidak dipublikasikan. UIN Syarif Hidayatullah. Rodhiyah. (2012). Manajemen keuangan keluarga guna menuju keluarga sejahtera. Forum, 40(1), 28-33. Shafii, Z., Zariah, M. Y., & Shahizan, M. (2013). Islamic financial planning and wealth management. Kuala Lumpur: IBFIM. Solomon, M. R. (2013). Consumer behavior: buying, having, and being (tenth edition). Essex: Pearson Education Limited. Tamini, L., & Mukhlisin, M. (2013). Sakinah finance. Solo: Tirta Medina. Yin, R. (2016). Qualitative research from start to finish. New York: The Guilford Press. Yusoff, Z. M., Adawiah, E. R., & Zakariyah, H. (2021). Islamic financial planning: Towards sustaining the financial wellbeing of muslim families in Malaysia post covid-19. Turkish Journal of Islamic Economics, 8(Special Issue), 355-376. http://dx.doi.org/10.26414/A2380 Zulkifli, C. M., & Saripuddin, C. O. A. S. S. (2015). Concept of business ethics in Islam: Approach to the entrepreneur. Journal of Asian Business Strategy, 5(1), 13-18. https://doi.org/10.18488/journal.1006/2015.5.1/1006.1.13.18

Regional Sukuk Issuance Strategy for West Java Province Infrastructure Financing A. Jajang W. Mahri; Rais Muhamad Falah; Aas Nurasyiah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 6 (2022): November-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20226pp772-786

ABSTRAK Penelitian ini bertujuan untuk mengidentifikasi masalah dan solusi yang menghambat penerbitan sukuk daerah untuk pembiayaan infrastruktur di Jawa Barat. Pendekatan pada penelitian ini menggunakan metode Analytical Hierarchy Process (AHP). Subjek penelitian ini berasal dari regulator, akademisi, dan praktisi di bidang sukuk sebanyak 7 orang. Hasil penelitian ini menemukan bahwa masalah terbesar belum diterbitkannya sukuk daerah di Jawa Barat adalah rendahnya pengetahuan masyarakat (investor) tentang sukuk daerah dan juga rendahnya kesiapan sumber daya manusia (SDM) pemerintah daerah. Hasil penelitian juga menemukan prioritas solusi yaitu melakukan sosialisasi dan promosi kepada masyarakat (investor) mengenai sukuk daerah, dengan strategi yang dapat dirumuskan sebagai berikut: 1) melakukan sosialisasi dan promosi kepada masyarakat (investor) mengenai sukuk daerah, 2) mengadakan pelatihan atau workshop tentang teknis penerapan, konsep, dan skema syariah sukuk, 3) membuat peraturan daerah khusus yang mengatur tentang penerbitan sukuk disesuaikan dengan otonomi daerah, 4) menyusun dan mengintegrasikan peraturan yang memadai dalam bentuk UU (undang-undang) khusus, yang menjadi payung untuk pelaksanaan sukuk daerah. Penelitian ini diharapkan dapat memberikan manfaat bagi para stakeholder untuk merumuskan strategi penerbitan sukuk daerah di Jawa Barat agar kedepannya pemanfaatan sukuk daerah di bidang infrastruktur lebih optimal, sehingga peran sukuk daerah dalam pembangunan daerah dapat tercapai. Kata Kunci: Sukuk Daerah, Pembiayaan Infrastruktur, Strategi Penerbitan Sukuk, Analytical Hierarchy Process. ABSTRACT The study aimed to identify problems hindering the issuance of provincial/regional sovereign sukuk (regional sukuk) for infrastructure financing in West Java province as well as solutions to it. The study employed an Analytical Hierarchy Process (AHP) method. The subjects of this study altogether were seven regulators, academicians, and practitioners of sukuk. The results showed that the biggest problem preventing the government of West Java province from issuing a regional sukuk was the low level of public knowledge (investors) on the sukuk and of readiness on the part of human resources (HR) of the provincial government. Therefore, the study found that a priority solution to the problem was the socialization and promotion of provincial sukuk to the community (investors). The further solutions were as follows: 1) socialization and promotion of community training, 2) technical implementation, concept, and schemes of sharia sukuk, 3) Issuance of a special provincial regulation on sukuk, and 4) compilation and integration of related regulations on sukuk in a special law on sovereign sukuk which serves as a legal basis for provincial sovereign sukuk. The study was expected to shed some light on relevant stakeholders in formulating strategies for the issuance of provincial sukuk in West Java province. This in turn will guarantee better utilization of the sukuk for infrastructure financing, exploiting its true potential and roles for better provincial development. Keywords: Regional Sukuk, Infrastructure Financing, Sukuk Issuance Strategy, Analytical Hierarchy Process. REFERENCES Al Ajlouni, A. T., & Al Habeeb, M. A. (2021). Municipal sukuk as a model for financing municipalities and public service institutions in Saudi Arabia. The Fifth International Conference of Faculty of Business on Roadmap for a Sustainable Development, February, 0–23. Aminy, M. H., & Hurriati, L. (2018). Perkembangan obligasi syariah (Sukuk) di Indonesia. Iqtishaduna, 8(2), 173–184. https://doi.org/10.20414/iqtishaduna.v8i2.694 Ascarya. (2005). Analytic Network Process (ANP): Pendekatan baru studi kualitatif. Pusat pendidikan dan studi kebanksentralan - Bank Indonesia. Baldric, S. (2017). Akuntansi sektor publik (Akuntansi keuangan pemerintah daerah berbasis akrual). UPP STIM YKPN. Baskoro, M. I., Andreswari, D., & Johar, A. (2021). Sistem pendukung keputusan untuk menentukan siswa berprestasi menggunakan metode analytical network process (ANP) berbasis web (Studi Kasus SMA Negeri 1 Bengkulu Utara). Rekursif: Jurnal Informatika, 9(1), 14–29. https://doi.org/10.33369/rekursif.v9i1.14984 Cakrawijaya, M., Riyant, B., & Nuroji. (2014). Evaluasi program pembangunan infrastruktur perdesaan di desa Wonokerto, Kecamatan Turi, Kabupaten Sleman. Jurnal Perencanaan Wilayah Dan Kota, 25(2), 137–156. https://doi.org/10.5614/jpwk.2015.25.2.4 Carunia, M. F. (2017). Kebijakan dan strategi peningkatan pendapatan asli daerah dalam pembangunan nasional. Yayasan Pustaka Obor Indonesia. Fadhilah, I. (2017). Sukuk dan potensinya dalam pembiayaan daerah. Retrieved from https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/10499 Fasa, M. I. (2016). Sukuk: Teori dan implementasi. Jurnal Studi Ekonomi dan Bisnis Islam, 1(1), 80–94. http://dx.doi.org/10.31332/lifalah.v1i1.476 Fauziah, S., & Nurwahidin. (2020). Pembiayaan infrastruktur dengan sukuk negara di Indonesia: Prosedur dan struktur. Jurnal Manajemen, Ekonomi Dan Akuntansi, 4(1), 257–270. https://doi.org/10.31955/mea.v4i1.233 Fitrianto. (2019). Sukuk dan pembangunan negara. At-Taradhi, 10(1), 71–87. https://dx.doi.org/10.18592/at-taradhi.v10i1.2644 Gorelick, J. (2018). Supporting the future of municipal bonds in sub-Saharan Africa: The centrality of enabling environments and regulatory frameworks. Environment and Urbanization, 30(1), 103-122. https://doi.org/10.1177/0956247817741853 Haq, M. R., Sari, D. P. F., & Hana, K. F. (2020). Peran sukuk terhadap pembangunan infrastruktur. Al-Mutharahah, 17(1), 87-103. Harimurti, A. J., & Zaky, A. (2020). Obstacles and strategy of municipal Islamic bonds issuance as an alternative of municipal funding. AFEBI Islamic Finance and Economic Review, 3(1), 1. https://doi.org/10.47312/aifer.v3i01.250 Hastuti, E. S., & Santoso, B. (2018). Metode Analytic Network Process (ANP) untuk menganalisis faktor belum diterapkannya municipal Islamic bonds pada daerah berpotensi sukuk di Indonesia. Jurnal Ekonomi Dan Bisnis, 19(1), 1-15. https://doi.org/10.30659/ekobis.19.1.1-15 Ibrahim, Z. (2013). Potensi sukuk sebagai alternatif pembiayaan pembangunan di Banten. Al-Qalam, 30(2), 293-318. Kaffah, N. I., & Wirdyaningsih, W. (2019). Implementation of regional sukuk (Islamic bonds) as a solution for Regional economic development in Indonesia. Proceedings of AICS-Social Sciences, 19, 28–37. http://e-repository.unsyiah.ac.id/AICS-Social/article/view/16662 Kementerian Koordinator Bidang Perekonomian RI. (2021). Inovasi pembiayaan infrastruktur melalui pemanfaatan nilai di Indonesia. Retrieved from https://www.adb.org/sites/default/files/publication/702071/innovative-infrastructure-financing-indonesia-id.pdf Kennedy, P. P., Juliana, J., & Utami, S. A. (2020). Efektivitas penyaluran pembiayaan KPR syariah bersubsidi pada PT Bank BTN Syariah Cirebon. Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan Dan Akuntansi, 12(2), 209–223. https://doi.org/10.35313/ekspansi.v12i2.2224 Khan, I. U. (2015). Islamic bonds (Ṣukūk) in Malaysia. Islam and Civilisational Renewal, 6(4), 489–508. https://doi.org/10.12816/0019217 Lahsasna, A., Hassan, M. K., & Ahmad, R. (2018). Forward lease sukuk in Islamic capital markets: Structure and governing rules. Springer International Publishing Palgrave Macmillan. Lailaa, N., & Anshori, M. (2020). The development of sovereign sukuk in Indonesia. International Journal of Innovation, Creativity and Change 11(11), 636-648. Latifah, S. I. (2020). Peran sukuk surat berharga syariah negara (SBSN) dalam pertumbuhan pembangunan ekonomi Indonesia. Jurnal Ilmiah Ekonomi Islam, 6(3), 421. https://doi.org/10.29040/jiei.v6i3.1369 Listyaningsih. (2014). Administrasi Pembangunan. Graha Ilmu. Manyanja, A., & Manyengo, I. (2022). Municipal bonds for financing development of infrastructure: A way forward for KCC and local governments in Uganda. Munich Personal RePEc Archive. Nallathiga, R. (2015). Municipal Bonds As a Source of Finance for Urban Infrastructure Development in India by Ramakrishna Nallathiga: SSRN. Nagarlok, XLVII(3), 57–72. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2930028 Perdana, I. F. (2017). Sukuk dan potensinya dalam pembiayaan daerah. Retrieved from https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/10499 Pratiwi, A., Mainata, D., & Ramadayantri, R. S. (2017). Peran sukuk negara dalam pembiayaan infrastruktur. Al-Tijary, 2(2), 155-176. Putri, E. S., & Wisudanto, W. (2017). Struktur pembiayaan pembangunan infrastruktur di Indonesia penunjang pertumbuhan ekonomi. IPTEK Journal of Proceedings Series, 3(5), 222–228. https://doi.org/10.12962/j23546026.y2017i5.3136 Robin, Putri Febiana Sari, D., & Fadhullah Hana, K. (2020). Peran sukuk terhadap pembangunan infrastruktur. Al-Mutharahah: Jurnal Penelitian Dan Kajian Sosial Keagamaan, 17(1), 87–103. https://doi.org/10.46781/al-mutharahah.v17i1.79 Samonikov, G. M., Veselinova, E., Gruevski, I., Fotov, R., & Binovski, R. (2017). Municipal bonds in developing countries. Case study: Municipality of Stip, Republic of Macedonia. 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