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Jurnal Ekonomi Syariah Teori dan Terapan
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.
Arjuna Subject : -
Articles 1,152 Documents
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ANALISIS FAKTOR-FAKTOR DETERMINAN KEPUASAN KERJA WANITA SEBAGAI PENGEMUDI OJEK SYAR'I Tri Siwi Agustina; Iqraning Pratiwi Wulansari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 1 (2021): Januari-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20211pp97-107

Abstract

ABSTRAKSyarihub adalah pionir layanan transportasi online khusus wanita dan anak – anak di Indonesia. hadir dari keresahan masyarakat, khususnya wanita muslim yang merasakan sulitnya bermobilisasi dengan rasa aman, nyaman serta sekaligus dapat menjaga dirinya dari lawan jenis yang bukan mahrom. Penelitian ini bertujuan untuk mengetahui determinan faktor–faktor yang mempengaruhi kepuasaan kerja pada pengendara ojek online Syarihub. Penelitian ini adalah penelitian kuantitatif eksploratif dengan pengumpulan data menggunakan instrumen berupa kuesioner. Subyek penelitian ini adalah 50 orang pengemudi ojek online Syarihub di Kota Surabaya, Pengumpulan data menggunakan Minnesota Satisfaction Questionnaire (MSQ). Teknik analisa data yang digunakan dalam penelitian ini adalah teknik analisa faktor dengan tahap analisis deskriptif yaitu memberikan gambaran tentang data yang dimiliki. Hasil yang didapat menunjukkan bahwa faktor-faktor determinan kepuasaan kerja pengemudi ojek Syarihub terdiri dari faktor kompensasi, faktor Supervision Human Relations, faktor kondisi kerja, faktor kebijakan perusahaan dan implementasinya, faktor variasi, faktor status sosial. Keenam faktor variabel tersebut dapat dikatakan sebagai variabel baru yang berpengaruh terhadap kepuasaan kerja pengemudi ojek Syarihub. Kata kunci: Kepuasan kerja, Analisis Faktor, Pengemudi Ojek Online Syar'i. ABSTRACTSyarihub is the pioneer of Indonesia's online ride hailling service for women and children and hiring women riders. Syarihub comes from the need of society, especially muslim women who find it difficult to find a secure and comfortabel transportation that at the same time enable them to keep herself separated from the opposite gender. This study aims to find out determinant factors are influencing job satisfaction's female online motorcycle taxi drivers who work in Syarihub. This study is an explorative quantitative research by collecting data using an instrument in the form of a questionnaire. The research subjects were online Syarihub motorcycle taxi drivers who work in Surabaya totaling 50 people.  Data collected using Minnesota Satisfaction Questionnaire (MSQ). The data analysis technique used in this study is a factor analysis technique with a descriptive analysis stage that provides an overview of the data held. The results showing that the determinants factors are influencing job satisfaction of Syarihub motorcycle taxi drivers consist of compensation factor, human relations supervisory factor, working conditions factor, corporate policy factors and implementation, variation factors, social status factors. The conclusion of the study illustrates that the optimal six factors will increase job satisfaction of Syarihub motorcycle taxi riders.Keywords: Job satisfaction, Factor Analysis, female online motorcycle taxi riders.  DAFTAR PUSTAKAAgustina, T. S. (2019). Kewirausahaan di era revolusi industri 4.0. Jakarta: Penerbit Mitra Wacana Media.Arofah, A. F. S., & Alam, Y. T. (2019). Eksistensi driver ojek online wanita sebagai bentuk kesetaraan gender. Jurnal Sosiologi Nusantara, 5(2).Darma, G. S., Wicaksono, K., Sanica I. G., & Abiyasa, A. P. (2019). Faktor kompensasi dan strategi gojek dalam meningkatkan kepuasan kerja para driver. Jurnal Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi, 6(3).Harahap, P. M. (2018). Profil perempuan berkeluarga bekerja sebagai driver ojek online di gojek Kota Pekanbaru. JOM FISIP, 5(2).Indyaswari, P. P. T. A., & Putra, D. N. R. A. (2017). Analisis mengenai hubungan sopir Gojek dengan PT. Gojek Indonesia, Kertha Semaya, 5(2).Kumala, D. A. T. (2020). Hubungan antara persaingan kerja dengan kepuasan kerja pada ojek online motor di Yogyakarta. Skripsi tidak dipublikasikan. Yogyakarta: Universitas Mercu Buana.Kurniawan, F., & Soenaryo, S. F. (2019). Menaksir kesetaraan gender dalam profesi ojek online wanita di Kota Malang. Jurnal Sosiologi Pendidikan Humanis, 4(2).Nurhidayah, F. (2018). Analisis sistem kompensasi terhadap kinerja driver transportasi online. Jurnal Akuntansi Maranatha, 10(2). 179-186.Madjid, F., & Handayani. (2012). Faktor-faktor yang mempengaruhi keputusan perempuan berstatus menikah untuk bekerja (Studi kasus kota Semarang). Diponegoro Journal of Economics, 1(1).Prahara, S., & Halias, D. (2020). Kepuasan kerja dengan employee engagement pada driver ojek online. Psyche 165 Journal, 13(1), 95-100. https://doi.org/https://doi.org/10.29165/psikologi.v13i1.1213Rahayu, V. V. E., & Sukidin, S. P. (2020). Perempuan pengemudi go-jek di Jember. Jurnal Pendidikan Ekonomi: Jurnal Ilmiah Ilmu Pendidikan, Ilmu Ekonomi, dan Ilmu Sosial, 14(1). DOI: 10.19184/jpe.v14i1.12582Robbins, S. P., & Judge, T. A. (2015). Perilaku organisasi. Alih bahasa: Ratna Saraswati dan Febriella Sirait. Jakarta: Salemba Empat.Sumarsono, S. (2003). Ekonomi sumber daya manusia dan ketenagakerjaan. Yogyakarta: Graha Ilmu.Schuler, R. S., & Jackson, S. E. (1999). Manajemen sumber daya manusia: Menghadapi abad ke-21. Jilid 2. Jakarta: Erlangga.Valentina, R. (2020). Stress kerja dan kompensasi finansial dengan kepuasan kerja komunitas driver gojek (Ojek online) di Kota Jember. Skripsi tidak dipublikasikan. Jember: Universitas Jember.Weiss, D. J., Dawis, R. V., & England, G. W. (1967). Manual for the Minnesota satisfaction questionnaire. Minnesota Studies in Vocational Rehabilitation, xxii. Washington: University of Minnesota.
ANALYSIS OF THE IMPACT OF CUSTOMER SATISFACTION IN THE RELATIONSHIP BETWEEN SERVICE ORIENTATION AND SERVICE QUALITY ON CUSTOMER LOYALTY OF MUSLIMAH SALON Ibnu Jauzi; Ari Prasetyo
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp297-304

Abstract

ABSTRAKLoyalitas pelanggan merupakan hal yang harus diutamakan perusahaan jasa dalam menjalankan bisnisnya. Tanpa adanya pelanggan yang loyal terhadap perusahaan maka sustainbility perusahaan tersebut akan terancam. Penelitian ini bertujuan untuk meneliti dampak orientasi pelayanan dan kualitas pelayanan terhadap loyalitas pelanggan melalui kepuasan pelanggan pada salon muslimah di Kota Kediri. Apakah dalam mencapai loyalitas pelanggan harus melalui kepuasan pelanggan atau tidak. Penelitian ini menggunakan pendekatan kuantitatif dengan metode SEM PLS. Pengujiannya dilakukan menggunakan aplikasi SmartPLS 3.0 dengan kategori responden yaitu pelanggan yang telah merasakan produk salon muslimah di Kota Kediri. Hasil penelitian menunjukkan adanya efek moderasi kepuasan pelanggan dalam hubungan orientasi dan kualitas pelayanan terhadap loyalitas pelanggan.Hal tersebut mengindikasikan bahwa orientasi dan kualitas pelayanan yang dilakukan oleh salon muslimah di Kota Kediri bisa dikategorikan baik sehingga membuat para pelanggannya menjadi loyal.Kata Kunci: Loyalitas Pelanggan, Orientasi Pelayanan, Kualitas Pelayanan, Kepuasan Pelanggan, Salon Muslimah. ABSTRACTCustomer loyalty is something that must be prioritized by service companies in running their business. Without customers who are loyal to the company, the company's sustainability will be threatened. This study aims to examine the impact of service orientation and service quality on customer loyalty through customer satisfaction at Muslimah salons in Kediri. Whether to achieve customer loyalty must go through customer satisfaction or not. This study uses a quantitative approach with the SEM PLS method. The test was carried out using the SmartPLS 3.0 application with the respondent category, namely customers who have experienced Muslim salon products in Kediri. The results showed that there was a moderating effect of customer satisfaction in the relationship between orientation and service quality on customer loyalty. This indicates that the orientation and quality of service carried out by muslimah salons in Kediri City can be categorized as good so that it makes its customers loyal.Keywords: Customer Loyalty, Service Orientation, Service Quality, Customer Satisfaction, Muslimah Salon.DAFTAR PUSTAKACanalejo, A. M. C., & del Rio, J. A. J. (2018). Quality, satisfaction and loyalty indices. Journal of Place Management and Development, 11(4), 428-446. https://doi.org/10.1108/JPMD-05-2017-0040Ferreira, F. A. F., Jalali, M. S., Kavaliauskiene L. M., & Viana, B. A. C. P. (2015). A metacognitive decision making based-framework for bank customer loyalty measurement and management. Technological and Economic Development of Economy, 21(2), 280–300. https://doi.org/10.3846/20294913.2014.981764Giovanis, A., Athanasopoulou, P., & Tsoukatos, E. (2015). The role of service fairness in the service quality – relationship quality – customer loyalty chain. Journal of Service Theory and Practice, 25(6), 744-776. https://doi.org/10.1108/JSTP-11-2013-0263Kandampully, J., Zhang, T. C., & Bilgihan, A. (2015). Customer loyalty: A review and future directions with a special focus on the hospitality industry. International Journal of Contemporary Hospitality Management, 27(3), 379–414. https://doi.org/10.1108/IJCHM-03-2014-0151Makanyeza, C., & Chikazhe, L. (2017). Mediators of the relationship between service quality and customer loyalty. International Journal of Bank Marketing, 35(3), 540–556. https://doi.org/10.1108/IJBM-11-2016-0164Mandung, F., Modding, B., Hasan, S., & Ella, H. (2018). Effect of market orientation, service quality and service orientation on semen tonasa customer satisfaction and loyalty in Makassar city. International Journal Of Scientific & Technology Research, 7(12), 144-153.Mathe, K., Halsell, S. S., & Roseman, M. (2016). The role of customer orientation in the relationship between manager communications and customer satisfaction. Journal of Hospitality & Tourism Research, 40(2), 198–209. https://doi.org/10.1177%2F1096348013496278Pattanayak, D., Koilakuntla, M., & Punyatoya, P. (2017). Investigating the influence of TQM, service quality and market orientation on customer satisfaction and loyalty in the Indian banking sector. International Journal of Quality & Reliability Management, 34(3), 362–377. https://doi.org/10.1108/IJQRM-04-2015-0057Rajeswari, S., Srinivasulu, Y., & Thiyagarajan, S. (2017). Relationship among service quality, customer satisfaction and customer loyalty: With special reference to wireline telecom sector (DSL Service). Global Business Review, 18(4), 1041–1058. https://doi.org/10.1177%2F0972150917692405Ratnasari, R.T., Rusmita, S. A., Gunawan, S., & Prasetyo, A. (2019). Halal food certification to improve the competitiveness of east and middle business in Indonesia. 2nd International Conference on Islamic economics, Business and Philantropy, 1044-1056. Surabaya: KnE Social Sciences.Solimun, & Fernandes, A., A., R. (2018). The mediation effect of customer satisfaction in the relationship between service quality, service orientation, and marketing mix strategy to customer loyalty. Journal of Management Development, 37(1), 76-87. https://doi.org/10.1108/JMD-12-2016-0315Sugiyono. (2009). Metode penelitian bisnis. Bandung: CV. Alfabeta.Zameer, H., Tara, A., Kausar, U, & Mohsin, A. (2015). Impact of service quality, corporate image and customer satisfaction towards customers’ perceived value in the banking sector in Pakistan. International Journal of Bank Marketing, 33(4), 442–456. https://doi.org/10.1108/IJBM-01-2014-0015
PENGARUH KINERJA KEUANGAN DAN EFISIENSI TERHADAP RATE OF RETURN SIMPANAN MUDHARABAH BANK UMUM SYARIAH Rifka Mifta Aulia; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 1 (2021): Januari-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20211pp1-7

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Financial Performance Return on Asset (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Giro Wajib Minimum (GWM), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), dan Capital Adequacy Ratio (CAR) terhadap Rate of Return (ROR) Bank Syariah. Random Effect Model (REM) digunakan dalam penelitian ini untuk menguji hubungan variabel independen terhadap variabel dependen, baik secara parsial maupun simultan. Hasil penelitian menunjukkan bahwa Return on Assets (ROA), Return on Equity (ROE), dan Net Interest Margin (NIM) berpengaruh positif dan signifikan terhadap Rate of Return (ROR) Bank Syariah. Sedangkan Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap Rate of Return (ROR) Bank Syariah. Variabel FDR, GWM, dan Efisiensi Operasional serta Rasio Efisiensi Biaya tidak berpengaruh terhadap Rate of Return (ROR) Bank Syariah. Hal ini dipertimbangkan Bank Islam dapat meningkatkan rasio ROE, sehingga dapat meningkatkan modal untuk efektivitas tingkat pengembalian, dan membuat rasio Net Interest Margin menjadi lebih efisien.Kata kunci: ROA, ROE, FDR, GWM, BOPO, NIM, CAR, Bank Umum Syariah, Rate of Return. ABSTRACTThis study aims to determine the effect of Financial Performance Return on Asset (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Minimum Statutory Reserves (GWM), Operating Costs to Operating Income (BOPO), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR) on the Rate of Return (ROR) of Islamic Bank. Random Effect Model (REM) is used in this study to examine the relationship of independent variables to the dependent variable, both partially and simultaneously. The finding shows that Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM) have positive and significant effect on the Rate of Return (ROR) of Islamic Bank. Meanwhile, Capital Adequacy Ratio (CAR) has negative and significant effect on the Rate of Return (ROR) of Islamic Bank. Financing to Deposit Ratio (FDR), Reserve Requirement (GWM), and Operational Efficiency and Cost Efficiency Ratio variables have no effect on the Rate of Return (ROR) of Islamic Bank. This considered for the Islamic Bank to increase the ROE ratio, thus it can increase capital for the effectiveness of the rate of return, and make the Net Interest Margin ratio more efficient.Keyword: ROA, ROE, FDR, GWM, BOPO, NIM, CAR, Islamic Commercial Banks, Rate of Return.DAFTAR PUSTAKAAgus, H., & Martono. (2004). Manajemen keuangan. Yogyakarta: EkonesiaAziz, S. A. (2012). Metode Generalized Least Square (GLS) untuk mengatasi autokorelasi data runtun waktu. Diakses dari http//eprints.uny.ac.id/1445/Mukaddimah_7.pdfLestari, A., & Setyawan, Y. (2017). Analisis regresi data panel untuk mengetahui faktor yang mempengaruhi belanja daerah di Provinsi Jawa Tengah. Jurnal Statistika Industri dan Komputasi, 2(1).M. Hanafi, M., & Halim, Abdul. (2009). Analisis laporan keuangan. Yogyakarta: UPP AMP YKPN.M. Hanafi, M., & Halim, Abdul. (2005). Analisis laporan keuangan. Yogyakarta: UPP AMP YKPN.Pernomo, I. S., & Dermawan. (2000). Analisis perbankan di Indonesia (Studi kasus bank-bank devisa di Indonesia tahun 1991-1996). Jurnal Ekonomi dan Bisnis Indonesia, 15(1).Sugiyono. (2009). Metode penelitian bisnis. Bandung: Alfabeta.Widarjono, A. (2013). Ekonometrika, pengantar dan aplikasinya. Yogyakarta: UPP STIM YKPN.
THE EFFECT OF CORPORATE GOVERNANCE AND FINANCIAL PERFORMANCE ON EARNINGS MANAGEMENT OF SHARIA BANKING Imaniar Agustin; Dian Filianti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 4 (2021): Juli-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20214pp509-517

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui variabel-variabel spesifik yang memiliki pengaruh terhadap manajemen laba pada Bank Umum Syariah di Indonesia periode Januari 2013 sampai Desember 2018. Penelitian ini menggunakan metode kuantitatif dengan teknik analisis regresi data panel, meneliti pengaruh Ukuran Dewan Pengawas Syariah, Ukuran Dewan Komisaris, Proporsi Dewan Komisaris Independen, Bank Size, dan Return On Asset (ROA) terhadap Manajemen Laba. Penelitian ini menggunakan data laporan tahunan Bank Umum Syariah di Indonesia. Populasi dalam penelitian ini adalah seluruh Bank Umum Syariah yang terdaftar di Bank Indonesia periode 2013-2018. Penelitian ini menggunakan teknik purposive sampling, dan dari kriteria yang ditetapkan diperoleh 11 Bank Umum Syariah tahun 2013-2018. Hasil dari penelitian dengan model estimasi Random Effect Model (REM) menunjukkan bahwa variabel Ukuran Dewan Pengawas Syariah, Ukuran Dewan Komisaris, Proporsi Dewan Komisaris Independen, Bank Size, dan Return On Asset (ROA) secara simultan berpengaruh terhadap manajemen laba. Secara parsial, variabel Ukuran Dewan Pengawas Syariah, Proporsi Dewan Komisaris Independen dan Return On Asset (ROA) tidak berpengaruh terhadap manajemen laba, variabel Bank Size berpengaruh negatif signifikan terhadap manajemen laba, variabel Ukuran Dewan Komisaris berpengaruh positif dan signifikan terhadap manajemen laba Bank Umum Syariah di Indonesia.Kata Kunci: corporate governance, kinerja keuangan , dan  perbankan syariah. ABSTRACTThis study aims to determine specific variables that have an impact on Earnings Management in Sharia Commercial Banks in Indonesia from January 2013 to December 2018. This study used quantitative methods with panel data regression analysis techniques, examining the effect of Sharia Supervisory Board Size, Board of Commissioners Size, The proportion of the Independent Commissioner, Bank Size, and Return On Asset (ROA) on Earnings Management. This study used annual report data for Islamic Commercial Banks in Indonesia.  The population in this study were all Sharia Commercial Banks registered with Bank Indonesia for the period 2013-2018. This research used the purposive sampling technique, and from the specified criteria obtained 11 Islamic Commercial Banks in 2013-2018. The results of the study with the estimation model of Random Effect Model (REM) show that the variables of Sharia Supervisory Board Size, Board of Commissioners Size, Proportion of Independent Commissioners, Bank Size, and  Return On Asset (ROA) simultans affect earnings management. Partially, in the Syariah Supervisory Board, Proportion of Independent Commissioners, and Return On Asset does not affect earnings management, the Bank Size variable has a significant negative effect on earnings management, the size of the Board of Commissioners variable has a positive and significant effect on earnings management in Sharia Commercial Banks in Indonesia.Keywords: corporate governance, financial performance and sharia banking.DAFTAR PUSTAKAAnhara. (2015). Analisis faktor-faktor yang mempengaruhi manajemen laba (Studi pada perusahaan perbankan Syariah di Indonesia). Jurnal Tekun, 6(1), 128-150.Anshori, M., & Iswati, S. (2009). Metodologi penelitian kuantitatif. Surabaya: Airlangga University Press (AUP).Bank Indonesia. (2005). Peraturan Bank Indonesia No .7/50/PBI/2005 Tanggal 25 November 2005 tentang laporan keuangan.Brigham, F., & Houston, J. (2001). Dasar-dasar manajemen keuangan. Jakarta: Salemba EmpatDarmawi, H. (2011). Manajemen perbankan. Jakarta: Bumi Aksara.DSAKS IAI. (2017). Pernyataan standar akuntansi keuangan no. 101 - Penyajian laporan keuangan syariah. Jakarta: IAIDSN-MUI. (2000). Fatwa Dewan Syari'ah Nasional Majelis Ulama Indonesia No: 15/DSN-MUI/IX/2000 tentang sistem distribusi hasil usaha dalam lembaga keuangan syari'ah. Jakarta: DSN-MUI.Financial Accounting Standards Board (FSAB). (1978). The   Statement   of   Financial   Accounting   Concept (SFAC) No. 1. 1978.Gunawan, I. K., Darmawan, N. A. S., & Purnamawati, I. G. A. (2015). Pengaruh ukuran perusahaan, profitabilitas, dan leverage terhadap manajemen laba. Jurnal Ilmiah Mahasiswa Akuntansi S1 Universitas Pendidikan Ganesha, 3(1), 1-10.Ikatan Akuntan Indonesia (IAI). (2009). Standar akuntansi keuangan revisi 2009. Jakarta: Salemba Empat. Jakarta.Indracahya, E., & Faisol, D. A. (2017). The effect of good corporate governance elemets, leverage, firm age, company size and profitability on earning management (Empirical study of manufacturing companis in BEI 2014-2016). Profita, 10(2), 203–227.Irawati, N., Marlina, L., & Sipayung, F. (2019). Analysis of the impact of leverage, value added and size on earning management and financial performance of indonesian shariah banking, 100(Icoi), 404–409. https://doi.org/10.2991/icoi-19.2019.69Jensen, M., C., dan W. Meckling. (1976). Theory of the firm:  Managerial behavior, agency cost and ownership structure. Journal of Finance Economic, 3, 305-360.Journal, D., & Accounting, O. F. (2019). Pengaruh mekanisme tata kelola perusahaan terhadap praktik manajemen labapada industri perbankan syariah di Indonesia. Diponegoro Journal of Accounting, 8(2), 1–11.Kabir, N., & Worthington, A. C. (2018). Do Islamic banks have higher credit risk? SSRN Electronic Journal, 135. https://dx.doi.org/10.2139/ssrn.2479136Kasmir. (2010). Pengantar manajemen keuangan. Jakarta: Kencana Prenada Media Group.Khan, M., & Rostidi, S. (2014). Esai-esai ekonomi Islam. Jakarta: Raja Grafindo Persada.Khoirudin, A. (2013). Corporate governance dan pengungkapan Islamic social reporting pada perbankan syariah di Indonesia. Accounting Analysis Journal, 2(2), 227-232.Kolsi, M. C., & Grassa, R. (2017). Did corporate governance mechanisms affect earnings management? Further evidence from GCC Islamic banks. International Journal of Islamic and Middle Eastern Finance and Management, 10(1), 2–23.Kushariadi dan Putra. (2018) Good corporate governance, leverage, ukuran perusahaan dan tax avoidance. Journal of Islamic Finance and Accounting, 1(2), 1-18.Maharani, M., & Soewarno, N. (2018). The effect of good corporate governance mechanism and corporate social responbility on financial performance with earnings management as mediating variable. Asian Journal of Accounting Research, 3(1), 41-60.Mersni, H., & Othman, H. B. (2016). The impact of corporate governance mechanisms on earnings management in Islamic banks in the Middle East region. Journal of Islamic Accounting and Business Research, 7(4), 318–348. https://doi.org/10.1108/JIABR-11-2014-0039Mohammed, D., & Jledan, A. (2016). Earnings Management Behavior of Islamic Banks and Conventional Banks: Evidence from Jordan and Gulf Banks. Yarmouk University, January, 1–39.Nahar, M., & Erawati, T. (2017). Pengaruh NPM, FDR, komite audit, pertumbuhan usaha, leverage dan size terhadap manajemen laba. Akuntansi Dewantara, 1(1), 63–74.Othman, H. B., & Mersni, H. (2014). The use of discretionary loan loss provisions by Islamic banks and conventional banks in the Middle East region: A comparative study. Studies in Economics and Finance, 31(1), 106–128. https://doi.org/10.1108/SEF-02-2013-0017Pemerintah RI. (2008). Undang-Undang No. 21 Tahun 2008 tentang perbankan syariah.Putra, R. N. A. (2019). Good corpotare governance dan manajemen laba di perbankan syariah. Journal of Islamic Finance and Accounting, 2(2), 19-38. https://doi.org/10.22515/jifa.v2i2.1925Quttainah, M. A., Song, L., & Wu, Q. (2013). Do islamic banks employ less earnings management? Journal of International Financial Management and Accounting, 24(3), 203–233. https://doi.org/10.1111/jifm.12011Saiful, S., & Dyah, A. (2019). Corporate governance and earnings management: A study of Indonesian conventional and Islamic banks. Proceedings of the 1st Aceh Global Conference (AGC 2018), 292, 662–667.Schroeder, R. G., Goldstein, S. M., & Rungtusanatham, M. J. (2011). Operations management contemporary concepts and cases. New York: Mc Graw-Hill Companies, Inc.Scott, Willian R. (2003). Financial accounting theory. Canada: Prentice-Hall.Sulistyanto, H. S. (2014). Manajemen laba. Teori dan metode empiris. Jakarta: Grasindo.Suryanto, T. (2014). Manajemen laba pada bank syariah di Indonesia: Peran Komite. Kinerja, 18(1), 90–100.Wiyadi, Trisnawati, R., Sasongko, N., & Fauzi, I. (2015). The effect of information asymmetry, firm size, leverage, profitability and employee stock ownership on earnings management with accrual model. International Journal of Business and Management and Law, 8(2), 21–30.Yermack, D. (1996). Higher market valuation of companies with small board of directors. Journal of Financial Economics, 40, 185-211.
THE EFFECT OF ISLAMIC BANKING FINANCING ON THE ENVIRONMENT QUALITY AT THE PROVINCES IN INDONESIA Dewi Rahmawati Maulidiyah; Ilmiawan Auwalin
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 4 (2021): Juli-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20214pp439-450

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh pembiayaan perbankan Syariah terhadap Indeks Kualitas Udara tingkat provinsi di Indonesia pada periode 2011-2018. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis regresi data panel. Data penelitian ini berjenis data sekunder yang bersumber dari KLHK, BPS, BPH Migas, OJK dan mencakup 33 provinsi di Indonesia. Hasil penelitian menunjukkan bahwa secara simultan pembiayaan perbankan syariah, kredit bank konvensional, konsumsi energi, PDRB Manufaktur, jumlah penduduk, luas kebakaran hutan dan lahan berpengaruh signifikan terhadap Indeks Kualitas Udara provinsi Indonesia tahun 2011-2018. Sedangkan secara parsial, pembiayaan perbankan Syariah memiliki hubungan negatif namun tidak signifikan terhadap Indeks Kualitas Udara dikarenakan market share masih kecil, pembiayaan yang dilakukan masih didominasi sektor konsumtif dan pengawasan OJK cenderung longgar sehingga pengawasan terhadap pembiayaan perbankan syariah baru sebatas tahap sebelum pembiayaan. Kredit bank konvensional dan konsumsi energi berpengaruh negatif signifikan terhadap Indeks Kualitas Udara serta luas kebakaran hutan dan lahan memiliki hubungan negatif namun tidak signifikan terhadap Indeks Kualitas Udara. Sedangkan jumlah penduduk berpengaruh positif signifikan terhadap Indeks Kualitas Udara serta PDRB Industri Manufaktur memiliki hubungan positif namun tidak signifkan terhadap Indeks Kualitas Udara.Kata Kunci: Pembiayaan Perbankan Syariah, Lingkungan Hidup, Indeks Kualitas Udara. ABSTRACTThis study aims to determine the effect of Islamic banking financing on Air Quality Index at the provincial level in Indonesia in 2011-2018 period. This study uses quantitative approach with panel data regression analysis techniques. This research data is secondary data, sourced from KLHK, BPS, BPH and includes provincial level data, namely 33 provinces in Indonesia. The results showed that simultaneously Islamic banking financing, conventional bank credit, energy consumption, manufacturing GDP, population, forest and land fires had significant effect on the Indonesian provincial Air Quality Index in 2011-2018. Meanwhile, partially, Islamic banking financing has a negative but insignificant relationship to the Air Quality Index because the market share is still small, the financing carried out is still dominated by the consumptive sector and OJK supervision tends to be loose so that supervision of Islamic banking financing is only limited to the stage before financing. Conventional bank credit and energy consumption have significant negative effect on the Air Quality Index and the area of forest and land fires has a negative but insignificant relationship to the Air Quality Index. Meanwhile, the population has a significant positive effect on the Air Quality Index and GDRP of the processing Industry has a positive but insignificant relationship to the Air Quality Index.Keywords: Islamic Banking Financing, Environment, Air Quality Index.DAFTAR PUSTAKAAbdouli, M., Kamoun, O., & Hamdi, B. (2018). The impact of economic growth, population density, and FDI inflows on CO 2 emissions in BRICTS countries: Does the Kuznets curve exist? Empirical Economics, 54(4), 1717–1742.Chen, B., Lu, S., Li, S., & Wang, B. (2015). Impact of fine particulate fluctuation  and other variables on Beijing’s air quality index. Environmental Science and Pollution Research, 22(7), 5139–5151. https://doi.org/10.1007/s11356-014-4024-zChen, D., & Chen, S. (2017). Particulate air pollution and real estate valuation : Evidence from 286 Chinese prefecture-level cities over 2004 – 2013. Energy Policy, 109(June), 884–897. https://doi.org/10.1016/j.enpol.2017.05.044Fan, J., & Zhou, L. (2019). Impact of urbanization and real estate investment on carbon emissions: Evidence from China’ s provincial regions. Journal of Cleaner Production, 209, 309–323. https://doi.org/10.1016/j.jclepro.2018.10.201Gujarati, D. N. (2004). Basic econometrics. 4th Edition, McGraw-Hill Companies.Hackett, C., & Lipka, M. (2018). The world’s fastest-growing major religious group. Scripta Instituti Donneriani Aboensis, 28, 11–14.Hanif, I., & Gago-de-santos, P. (2017). The importance of population control and macroeconomic stability to reducing environmental degradation: An empirical test of the environmental Kuznets curve for developing countries. Environmental Development, 23(December 2016), 1–9.  https://doi.org/10.1016/j.envdev.2016.12.003Iskandar, A., Possumah, B. T., & Aqbar, K. (2020). Islamic financial development, economic growth and CO2 emission in indonesia. Journal of Islamic Monetary Economics and Finance, 6(2). https://doi.org/10.21098/jimf.v6i2.1159Kementerian Agama Republik Indonesia. (2017). Al-Qur’an dan terjemahannya. Jakarta: Kemenag RI.Nasution, R. (2018). Synergy and optimization of sharia banking green banking in realizing suistainable finance. Jurnal Ilmu Ekonomi Dan Studi Pembangunan, 18(1), 33–52Nwani, C., & Omoke, P. C. (2020). Does bank credit to the private sector promote low-carbon development in Brazil ? An extended STIRPAT analysis using   dynamic ARDL simulations. Environmental Science and Pollution Research, 31408–31426. https://doi.org/https://doi.org/10.1007/s11356-020-09415-7
ALMS AND INFAQ MANAGEMENT MODEL AT FOOD BANK Hafiz Minhajuel; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp354-362

Abstract

ABSTRAKFood Bank adalah organisasi yang mengkoordinasi makanan berlebih dari masyarakat atau industri makanan untuk  disumbangkan kepada orang yang membutuhkan. Food bank telah diterapkan di berbagai kota sebagai usaha dalam mengatasi permasalahan kerawanan pangan. Dalam penelitian ini membahas model pengelolaan infak sedekah dalam program food rescue Garda Pangan Kota Surabaya dengan metode studi kasus kualitatif-deskriptif. Beberapa pengurus Garda Pangan Surabaya dan penerima manfaat menjadi informan kunci dalam penelitian ini. Hasil dalam penelitian menunjukkan Garda Pangan menggunakan model pengelolaan konsumtif tradisional. Garda Pangan hanya ingin berfokus menyalurkan makanan yang berpotensi terbuang kepada masyarakat pra sejahtera yang membutuhkan melalui program food rescue. Penelitian ini memberikan memberikan kontribusi gambaran model pengelolaan infak sedekah dengan membangun food bank agar dapat memberikan bantuan pangan kepada masyarakat lebih optimal.Kata Kunci: Model Pengelolaan, Infak, Sedekah, Food Bank, Food Rescue. ABSTRACTFood Bank is an organization that voluntarily coordinates excess food from the community or the food industry to donate to the poor and needy. Food banks have been implemented in various cities in an effort to overcome the problem of food insecurity. In this research, it discusses the management model of alms donations in the food rescue program of Garda Pangan Kota Surabaya with a qualitative-descriptive case study method. Several Surabaya Food Guard administrators and beneficiaries were key informants in this study. The results of the study indicate that Garda Pangan uses a traditional consumptive management model. Garda Pangan only wants to focus on distributing food that is potentially wasted to underprivileged people in need through a food rescue program. This study contributes to an overview of the alms donation management model by building a food bank so that it can provide food assistance to the community more optimally.Keywords: Management Model, Infaq, Alms, Food Bank, Food Rescue. DAFTAR PUSTAKABorowko, W. (2008). Food Insecurity Among Working- Age Canadians With Disabilities. Unpublished Masters Thesis. Vancouver: Simon Fraser University.Dianto, A. Y., & Purnomo, M. W. (2020). Manajemen pengelolaan Islamic Foodbank di Indonesia (Studi teori dan konsep). Jurnal Dinamika Ekonomi Syariah, 7(1), 50-67.Hasan, N. B. (2012). Potensi pelaksanaan bank makanan di Malaysia sebagai satu bentuk jaminan sekuriti makanan bagi golongan miskin. Disertasi tidak dipublikasikan. Kuala Lumpur: Universitas Malaya.Hidayati, L. N. K., Rahmatika, A. N., & Firmansyah, K. (2019). Islamic Foodbank Indonesia (Studi Konsep dan Pengembangan). Prosiding Seminar Nasional Multidisiplin, 2(1). 1-8.Kirkpatrick, S. I., & Tarasuk, V. (2009). Food insecurity and participation in community food programs among low-income Toronto families. Canadian journal of public health = Revue canadienne de sante publique, 100(2), 135–139. https://doi.org/10.1007/bf03405523Ramadhanu, A., & Widiastuti, T. (2017). Model Pemberdayaan ekonomi oleh lembaga amil zakat: Studi kasus LAZ BMH pada mualaf suku tengger. Jurnal Ekonomi Syariah Teori & Terapan, 4(4), 281-296. http://dx.doi.org/10.20473/vol4iss20174pp281-296Reynolds, C. J., Piantadosi, J., Boland, J. (2015). Rescuing food from the organics waste stream to feed the food insecure: An economic and environmental assessment of Australian food rescue operations using environmentally extended waste input-output analysis. Sustainability, 7(4), 4707-4726. https://doi.org/10.3390/su7044707Riches, G. (2002). Food banks and food security: Welfare reform, human rights and social policy, lessons from Canada? Social Policy and Administration, 36(6), 648-663. https://doi.org/10.1111/1467-9515.00309Ridwan, M. (2016). Analisis model fundraising dan distribusi dana ZIS di UPZ Desa Wonoketingal Karanganyar Demak. Jurnal Penelitian, 10(2), 295-321. http://dx.doi.org/10.21043/jupe.v10i2.1879Sugiyono. (2015). Memahami penelitian kualitatif. Bandung: CV. Alfabeta.Starkey L. J., Kuhnlein, H. V., & Gray-Donald K. (1998). Food bank users: Sociodemographic and nutritional characteristics. CMAJ. 158(9), 1143-1149.Starkey, L. J., Gray-Donald K., & Kuhnlein, H. V. (1999). Nutrient intake of food bank users is related to frequency of food bank use, household size, smoking, education, and country of birth. The Journal of Nutrition, 129(4): 883–889. https://doi.org/10.1093/jn/129.4.883Stoner, A., James & Freeman, E. (2005). Manajemen. Jakarta: PT. Prahallindo.Teron, Adrienne C. & Tarasuk, Valerie S. (1999). Charitable food assistance: What are food bank users receiving?, Canadian Journal of Public Health, 90(6), 382-384.Tarasuk, V., & Eakin, J. M. (2005). Food assistance through “surplus” food: Insights from an ethnographic study of food bank work. Agriculture and Human Values, 22(2), 177-186.Uzaifah. (2010). Manajemen zakat pasca kebijakan pemerintah tentang zakat sebagai pengurang penghasilan kena pajak. Jurnal Ekonomi Islam, 4(1), 45-68. https://doi.org/10.20885/lariba.vol4.iss1.art4
EFFECT OF MUDARABAH AND MUSHARAKAH FINANCING ON RETURN ON EQUITY (ROE) CASE STUDIES ON ISLAMIC COMMERCIAL BANKS IN INDONESIA FOR THE PERIOD 2015-2019 Ghitha Millatina Islamiyati; Nana Diana
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp255-263

Abstract

ABSTRAKTujuan dari penelitian ini adalah untuk mengetahui apakah pembiayaan mudharabah dan pembiayaan musyarakah berpengaruh terhadap Return On Equity (ROE) studi kasus pada Bank Umum Syariah di Indonesia periode 2015-2019. Populasi dalam penelitian ini adalah seluruh data dalam laporan keuangan yang terdapat pada Bank Umum Syariah di Indonesia dan didapat sampel dari hasil purposive sampling sebanyak 9 Bank Umum Syariah dengan variable bebas yaitu pembiayaan mudharabah (X1) dan pembiayaan musyarakah (X2) serta variabel tetap yaitu Return On Equity (ROE) (Y). Metode penelitian yang digunakan yaitu analisis deskriptif, uji asumsi klasik yang terdiri dari uji normalitas, uji heteroksiditas, uji multikolinearitas dan uji autokorelasi juga uji hipotesis yang terdiri dari uji statistic t untuk menguji secara terpisah, uji statistic F untuk menguji secara bersama dan koefisien determinasi (R2). Hasil penelitian menjelaskan bahwa secara terpisah, Return On Equity (ROE) tidak dipengaruhi oleh pembiayaan mudharabah maupun pembiayaan musyarakah.. Pada uji secara bersama-sama, Return On Equity (ROE) tidak dipengaruhi oleh pembiayaan mudharabah dan pembiayaan musyarakah studi kasus Bank Umum Syariah di Indonesia periode 2015-2019.Kata Kunci: pembiayaan mudharabah, pembiayaan musyarakah, return on equity ROE), bank umum syariah. ABSTRACTThe intention of this research is to reveal whether mudarabah and musharakah financing have an effect on the return on equity (ROE) case studies on Islamic Commercial Banks in Indonesia period 2015-2019. The population in this research is all data in the financial reports contained in Islamic Commercial Banks in Indonesia and obtained samples from the purposive sampling of 9 Islamic Commercial Banks with independent variables, namely mudarabah financing (X1) and musharakah financing (X2) and dependent variable namely return on equity (ROE) (Y). The research method used are analysis of descriptive, test of classic assumption which contains test of normality, heteroxidity test, multicollinearity test and autocorrelation test as well as hypothesis testing which includes t statistical test to test partially, statistical F test to test simultaneously and the coefficient of determination (R2). The results of the research explain that partially, return on equity (ROE) has no effected by mudarabah financing and musharakah financing. In the simultaneous test, return on equity (ROE) has no effected by mudarabah financing and musharakah financing in case study of Islamic Commercial Banks in Indonesia for the 2015-2019 period. Keywords: Mudarabah financing, musharakah financing, return on equity (ROE), Islamic commercial bank.REFERENCESDaulay, P. I. S. (2019). Pengaruh pendapatan bagi hasil pembiayaan mudharabah dan pembiayaan musyarakah terhadap return on equity (ROE) Pada PT. Bank Syariah Mandiri, Tbk. Skripsi tidak dipublikasikan. Medan: Universitas Islam Negeri Sumatera Utara.Fatmawati, R. (2016). Analisis pengaruh pembiayaan mudharabah, musyarakah dan murabahah terhadap kemampu labaan BPR Syariah Artha Surya Barokah Semarang. Skripsi tidak dipublikasikan. Semarang: Universitas Muhammadiyah Semarang.Maharani, S. (2019). Pengaruh pembiayaan mudharabah dan pembiayaan musyarakah terhadap return on equity (ROE) pada bank umum syariah periode 2013-2017. Skripsi tidak dipublikasikan. Ponorogo: Institut Agama Islam Negeri Ponorogo.Mahmudin. (2018). Pengaruh pembiayaan mudharabah terhadap tingkat return on equity (ROE) pada bank syariah yang terdaftar di Bank Indonesia. The Asia Pacific Journal of Management, 05(03), 153– 162.Nalta, S., Wijaya, I., & Al Amin, H. (2018). Pengaruh pembiayaan mudharabah dan musyarakah terhadap return on equity pada PT. Bank Pembiayaan Rakyat Syariah di Indonesia. El-Amwal, 1(2), 23–33.Nataliawati, R. (2018). Pengaruh rasio produk pembiayaan syariah terhadap return on equity bank umum syariah di Indonesia. Tesis tidak dipublikasikan. Surabaya: Universitas Wijaya Kusuma Surabaya.Ningrum, M. H., Setiono, H., & Dwihandoko, T. H. (2019). Analisis pengaruh pendapatan murabahah, musyarakah, dan ijarah terhadap profitabilitas bank syariah (Studi empiris pada bank syariah periode 2015 - 2018). Skripsi tidak dipublikasikan. Mojokerto: Universitas Islam Majapahit.Putra, P., & Hasanah, M. (2016). Pengaruh pembiayaan mudharabah, musyarakah, murabahah, dan ijarah terhadap profitabilitas 4 bank umum syariah periode 2013-2016. Jurnal Organisasi Dan Manajemen, 14(2), 140-150. https://doi.org/10.33830/jom.v14i2.159.2018Rahayu, Y. S., Husaini, A., & Azizah, D. F. (2016). Pengaruh pembiayaan bagi hasil mudharabah dan musyarakah terhadap profitabilitas (Studi pada bank umum syariah yang terdaftar pada bursa efek Indonesia periode 2011-2014 ). Jurnal Administrasi Bisnis (JAB), 33(1), 61–68.Rianti, A. E. (2019). Analisis pengaruh pembiayaan mudharabah, musyarakah, murabahah dan ijarah terhadap tingkat profitabilitas return on equity (ROE) pada PT. Bank Syariah Mandiri periode 2011-2018. Skripsi tidak dipublikasikan. Surakarta: Universitas Muhammadiyah Surakarta.Rianti, F. A., & Elmanizar. (2019). Pengaruh piutang murabahah, pembiayaan mudharabah dan pembiayaan musyarakah terhadap profitabilitas bank syariah. Jurnal Pajak, Akuntansi, Sistem Informasi, dan Auditing, 1(1), 58–82.Sari, D. W., & Anshori, M. Y. (2016). Pengaruh pembiayaan murabahah, istishna, mudharabah, dan musyarakah terhadap profitabilitas (studi pada bank syariah di Indonesia periode Maret 2015 – Agustus 2016). Accounting and Management Journal, 1(1), 1-8. https://doi.org/10.33086/amj.v1i1.68Wibowo, A., & Sunarto. (2014). Pengaruh pembiayaan mudharabah dan musyarakah terhadap profitabilitas perbankan syariah (studi kasus pada bank pembiayaan rakyat syariah Daerah Istimewa Yogyakarta yang terdaftar di Bank Indonesia periode 2012-2014). Syariah Paper Accounting FEB UMS, 115– 124. Islamiyati, et al/Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 Mei 2021: 255-263
THE INFLUENCE OF HALAL DESTINATION ATTRIBUTES IN WEST SUMATERA ON MUSLIM TOURISTS Nur Aulia Noviyani; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 4 (2021): Juli-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20214pp401-412

Abstract

ABSTRAKSumatera Barat telah dinobatkan sebagai destinasi wisata halal terbaik di dunia karena memiliki halal destination attributes yang sangat ramah terhadap wisatawan Muslim. Dalam penelitian ini akan dijelaskan bagaimana pengaruh halal destination attributes di Sumatera Barat terhadap experience quality dan destination satisfaction dari wisatawan Muslim. Penelitian ini menggunakan pendekatan kuantitatif yang diuji dengan teknik analisis jalur dan diolah menggunakan program AMOS. Hasil penelitian menemukan bahwa halal destination attributes di Sumatera Barat berpengaruh postif signifikan terhadap experience quality wisatawan Muslim dan destination satisfaction. Kemudian, ditemukan juga pengaruh positif signifikan antara experience quality terhadap destination satisfaction. Dengan mengoptimalkan halal destination attributes di Sumatera Barat, maka akan meningkatkan experience quality dan destination satisfaction dari wisatawan Muslim yang berkunjung. Hal ini menjadi penting karena akan berdampak terhadap jumlah kunjungan wisatawan Muslim ke Sumatera Barat.Kata Kunci: Destinasi Wisata Halal, Halal Destination Attributes, Experience Quality, Destination Satisfaction, Wisatawan Muslim. ABSTRACTWest Sumatera has been named the best halal tourist destination in the world because it has halal destination attributes that are very friendly to Muslim tourists. In this study, it will be explained how the influence of halal destination attributes in West Sumatera on experience quality and destination satisfaction of Muslim tourists. This study uses a quantitative approach which is tested with path analysis techniques and processed using the AMOS program. The results of the study found that halal destination attributes in West Sumatera have a significant positive effect on the experience quality of Muslim tourists and destination satisfaction. Then, it was also found that experience quality has a significant positive effect on destination satisfaction. By optimizing the halal destination attributes in West Sumatera, it will increase the experience quality and destination satisfaction of visiting Muslim tourists. This is important because it will have an impact on the number of Muslim tourists visiting West Sumatera.Keywords: Halal Travel Destinations, Halal Destination Attributes, Experience Quality, Destination Satisfaction, Muslim Tourists.DAFTAR PUSTAKAAl-Ansi, A., & Han, H (2019). Role of halal-friendly destination performances, value, satisfaction, and trust in generating destination image and loyalty. Journal of Destination Marketing & Management, 13(September 2019), 51-60. https://doi.org/10.1016/j.jdmm.2019.05.007Albayrak, T., & Caber, M. (2013). The symmetric dan asymmetric influences of destinaton attributes on overall visitor satisfaction. Current Issues in Tourism, 16(2), 149-166. https://doi.org/10.1080/13683500.2012.682978Battour, M. and Ismail, M. N. dan Battor, M. (2011). The impact of destination attributes on moslem tourist's choice. International Journal of Tourism Research, 13(6), 527-540. https://doi.org/10.1002/jtr.824Battour, M., Battor, M., & Bhatti, M. A. (2014). Islamic attributes of destination: Construct development and measurement validation, and their impact on tourist satisfaction. International Journal of Tourism Research, 16(6), 556-564.Battour, M., & Ismail, M. N. (2015). Halal tourism: Concepts, practises, challenges and future. Tourism Management Perspectives, 19(July 2016), 150-154. https://doi.org/10.1016/j.tmp.2015.12.008Caber, M., & Albayrak, T. (2016). Push or pull? Identifying rock climbing tourists' motivations. Tourism Management, 55, 74-84.Cetin, G., & Bilgihan, A. (2016). Components of cultural tourists' experiences in destinations. Current Issues in Tourism, 19(2), 137-154.Chang, T.-Y., & Horng, S.-C. (2010). Conceptualizing and measuring experience quality: The customer's perspective. Service Industries Journal, 30(14), 2401-2419.Chen, C.-F., & Chen, S.-F. (2010). Experience quality, perceived value, satisfaction and behavioral intentions for heritage tourists. Tourism Management, 31(1), 29-35.Chiu, W., & Zeng, S. (2016). Determinants of Chinese tourists' loyalty to Korea: A comparison of film and non-film tourist perceptions. International Journal of Social Science dan Humanity, 6(9), 667-671.Cong, L. C. (2016). A formative model of the relationship between destination quality, tourist satisfaction and intentional loyalty: an empirical test in Vietnam. Journal of Hospitality and Tourism Management, 26, 50-62.Departemen Agama Republik Indonesia. (2020). Terjemahan Al-Qur'an. Diakses dari https://quran.kemenag.go.id/Dewi, I. J. (2011). 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Tourism Management, 72, 92-104.Hammuri, G., & Eseynel, I. (2017). The analysis of hoteliers attitude towards the establishment of Islamic hospitality policies: North Cyprus. Saudi Journal of Homanities and Social Sciences, 2(2), 124-131.Han, H., Al-Ansi, A., Olya, H. G. T., & Kim, W. (2019). Exploring halal-friendly destination attributes in South Korea: Perceptions and behaviors of muslim travelers toward a non-muslim destination. Tourism Management, 71, 151-164.Hassan, Z. (2015). Factors affecting muslim tourists choice of halal concept hotels and satisfaction in Malaysia: Moderating effect of religious devotedness. International Journal of Accounting & Business Management, 3(2), 133-144.Hayati, A., & Ratnasari, R. T. (2020). Factors affecting muslim consumer decisions on choosing Islamic hotel. Hamdard Islamicus, 43(S.2), 619-638.Henderson, J. C. (2016). Halal food, certification and halal tourism: Insight from Malaysia and Singapore. Tourism Management Perspective, 30, 1-5.Jaelani, A. (2017). Industri wisata halal di Indonesia: Potensi dan prospek. Mpra, 76237, 1-20.Kartajaya, H., & Sula, M. S. (2006). Syariah marketing. Bandung: PT Mizan Pustaka.Kim, J.-H. (2014). The antecedents of memorable tourism experiences: The development of a scale to measure the destination attributes associated with memorable experiences. Tourism Management, 44, 34-45.Komite Nasional Ekonomi dan Keuangan Syariah (KNEKS). (2020). Laporan perkembangan pariwisata ramah muslim daerah 2019-2020. Jakarta: Direktorat Infrastruktur Ekosistem Syariah.Lemke, F., Clark, M., & Wilson, H. (2010). Customer experience quality: An exploration in business and consumer contexts using repertory grid technique. Journal of the Academy of Marketing Science, 39(6), 846-869.Mardianto, M. F. F., Cahyono, E. F., Syarifah, L., & Andriani, P. (2019). Prediction of the number of foreign tourist arrival in Indonesia halal tourism entrance using simultaneously fourier series estimator. KnE Social Sciences, 1093-1104.Mill, R. C., & Morrison, A. M. (2013). The tourism system. Australia: Kendall Hunt.Moon, H., & Han, H. (2018). Destination attributes influencing Chinese travelers' perceptions of experience quality and intentions for island tourism: A case of Jeju island. Tourism Management Perspectives, 28, 71-82.Rahman, M. K. (2014). Motivating factors of Islamic tourist's destination loyalty: An empirical investigation in Malaysia. Journal of Tourism and Hospitality Management, 2(1), 63-77.Rahman, M., Moghavvemi, S., Thirumoorthi, T., & Rahman, M. K. (2020). The impact of tourists’ perceptions on halal tourism destination: A structural model analysis. Tourism Review, 75(3), 575-594.Ramseook-Munhurrun, P., Seebaluck, V. N., & Naidoo, P. (2015). Examining the structural relationships of destination image, perceived value, tourist satisfaction and loyalty: Case of Mauritus. Procedia-Social dan Behavioral Sciences, 175, 252-259.Ratnasari, R. T., Gunawan, S., Mawardi, I., & Kirana, K. C. (2020). Emotional experience on behavioral intention for halal tourism. Journal of Islamic Marketing, 12(4), 864-881. https://doi.org/10.1108/JIMA-12-2019-0256Rozalinda, N., & Ramadhan, S. (2019). Industri wisata halal di Sumatera Barat: Potensi, peluang dan tantangan. Maqdis: Jurnal Kajian Ekonomi Islam, 4(1), 46-56.Schlesinger, W., Cervera-Taulet, A., & Perez-Cabanero, C. (2020). Exploring the links between destination attributes, quality of service experience and loyalty in emerging mediterranean destinations. Tourism Management Perspectives, 35, 100699.Sdanjojo, N. (2011). Metode analisis jalur (Path snalysis) dan aplikasinya. Jakarta: Pustaka Sinar Harapan.Sedianingsih, Ratnasari, R. T., Prasetyo, A., & Hendarjatno. (2019). Antecedents of recommendation and repurchase intention on medical tourism. Opcion, 35(23), 1277-1300.Shaykh-Baygloo, R. (2021). Foreign tourists' experience: The tri-partite relationship among sense of place toward destination city, tourism attractions and tourists' overall satisfaction - evidence from Shiraz, Iran. Journal of Destination Marketing & Management, 19, 100518.Siyoto, S., & Sodik, M. A. (2015). Dasar metodologi penelitian. Yogyakarta: Literasi Media Publishing.Sugiyono, P. D. (2016). Metode penelitian kuantitatif, kualitatif dan R&D. Bandung: Alfabeta.Suwantoro, G. (2004). Dasar-dasar pariwisata. Yogyakarta: Dani.Truong, T. H., & King, B. (2009). An evaluation of satisfaction levels among Chinese tourist in Vietnam. International Journal of Tourism Research, 11(6), 521-535.Wu, H.-C., & Li, T. (2017). A study of experiential quality, perceived value, heritage image, experiential satisfaction, and behavioral intentions for heritage tourists. Journal of Hospitality & Tourism Research, 41(8), 904-944.Wu, H.-C., Cheng, C.-C., & Ai, C.-H. (2018). A study of experiential quality, experiential value, trust, corporate reputation, experiential satisfaction and behavioral intentions for cruise tourists: The case of Hong Kong. Tourism Management, 66, 200-220.Yuliviona, R., Alias, Z., & Abdullah, M. (2019). The effect of Islamic attributes of destination, experiental values on revisit intention among muslim tourists: Model testing on the mediating role of satisfaction. Journal of Environmental Treatment Techniques, 7(4), 768-773.Zabkar, V., Brencic, M. M., M., & Dmitrovic, T. (2010). Modelling perceived quality, visitor satisfaction and behavioural intention at the destination level. Tourism Management, 31(4), 537-546.Zaki, I., Hamida, G., & Cahyono, E. F.  (2020). Potentials of implementation of sharia principles in the tourism sector of Batu city, East Java. Amwaluna: Jurnal Ekonomi dan Keuangan Syariah, 4(1), 96-111.
THE EFFECT OF MUDHARABAH FINANCING ON CUSTOMERS OF MSME OWNERS IN TERMS OF THE ECONOMIC CHANGES Febiola Bunga Asprila; Andriani Samsuri; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp305-317

Abstract

ABSTRAKTujuan penelitian ini adalah untuk mengetahui pengaruh pembiayaan mudharabah terhadap perubahan ekonomi nasabahnya melalui empat aspek yaitu aset usaha, omzet usaha, pendapatan usaha, dan laba usaha. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Sumber dan jenis data diperoleh dari teknik wawancara, observasi dan dokumentasi kepada tujuh nasabah pembiayaan mudharabah, pihak pemerintah Desa Berbek, pihak BMT PUMA dan masyarakat sekitar. Data terkumpul kemudian dianalisis menggunakan teknik reduksi data dengan hasil penelitian yang disajikan dengan tabel, grafik, dan deskripsi. Hasil penelitian ini menyimpulkan bahwa UMKM mengalami perubahan ekonomi positif yakni mengalami peningkatan berupa aset usaha mencapai 90%, peningkatan omzet usaha mencapai 233,33%, peningkatan pendapatan usaha mencapai 233,33%, dan peningkatan laba usaha mencapai 150%. Namun masih ditemukan nasabah yang menggunakan sebagian dana pembiayaan untuk membayar hutang, membayar sekolah anak, dan kebutuhan lain. BMT PUMA memberikan kepercayaan penuh kepada nasabah tanpa melakukan pengawasan usaha. Saran yang relevan dengan hasil penelitian yaitu nasabah diharapkan lebih amanah dalam menggunakan dana pembiayaan mudharabah, selain itu BMT PUMA sebaiknya lebih tegas dalam mengawasi penggunaan dana pembiayaan mudharabah pada nasabah. Kata Kunci: BMT, UMKM, Mudharabah, Perubahan Ekonomi. ABSTRACTThis research is qualitative research that aims to know the influence of mudharabah financing on the economic changes of its costomers through four aspects, such as business assets, business turnover, business income, and business profit. The technique of data retrieval are interviews, observation, and documentation to seven mudharabah financing costomers, Berbek Government, BMT PUMA members, and local society. Data collected then analyzed by reduction data technique with the research result presented by tables, graphics, and description. The result of this study concludes that Small Micro Enterprises (SME’s) experiencing positive economic changes that experienced an increase in the form of business assets reached 90%, increase in business turnover reached 233,33%, increase in business income reached 233,33%, and increase in business profit 150%. But there were still customers who used part of their financing funds for other needs. BMT PUMA gives full trust to customers without monitoring their business. Suggestions that are relevant to the research result is customers are expected to be more trustworthy in using mudharabah financing funds. Moreover, BMT PUMA should be more assertive in overseeing mudharabah financing funds on customers.Keywords: Baitul Maal Wattamwi, SME’s, Mudharabah, Economic changes.DAFTAR PUSTAKAAdinugraha, H. H., Sartika, M., & Ulama’i, A. H. A. (2019). Halal lifestyle di Indonesia. An-Nisbah: Jurnal Ekonomi Syariah, 5(2), 57-81. https://doi.org/10.21274/an.2019.6.1.57-81Ali, W., Muthaly, S., & Dada, M. (2018). Adoption of shariah compliant peer-to-business financing platforms by SMEs: A conceptual strategic framework for fintechs in Bahrain. International Journal of Innovative Technology and Exploring Engineering, 8(2S2), 2278-3075.Bronson, K., & Knezevic, I. (2019). The digital divide and how it matters for Canadian food system equity. Canadian Journal of Communication, 44(2), 63–68. https://doi.org/10.22230/cjc.2019v44n2a3489Dewi, L., Hanik, U., Awwaliah, H., & Yudha, A. T. R. C. (2021). Determinan harga dan potensi sampah sebagai sumber modal ekonomi di bank sampah syariah UINSA Surabaya. Nomicpedia: Journal of Economics and Business Innovation, 1(1), 14–26.Fatmawati, A., Yudha, A. T. R. C., & Syafaq, H. (2020). Kontrak kerja dan kesejahteraan ABK nelayan perspektif etika bisnis Islam di Sarangmerduro, Jawa Tengah. Nukhbatul ’Ulum: Jurnal Bidang Kajian Islam, 6(2), 298–313. https://doi.org/10.36701/nukhbah.v6i2.240Ghafar, A., & Tohirin, A. (2010). Islamic law and finance. Humanomics, 26(3), 178–199. https://doi.org/10.1108/08288661011074954Habibi, M. L., & Yudha, A. T. R. C. (2017). Membangun integrated takaful dan wakaf model dalam upaya meningkatkan kemanfaatan pemegang polis. Al-Uqud : Journal of Islamic Economics, 1(2), 139. https://doi.org/10.26740/jie.v1n2.p139-155Hilmy, M. (2015). The political economy of sunni-shi’ah conflict in Sampang Madura. Al-Jami’ah, 53(1), 27–51. https://doi.org/10.14421/ajis.2015.531.27-51Isbah, M. F. (2019). How is social capital converted to be economic capital? A case study from pesantren’s socio-economic projects. Al-Izzah: Jurnal Hasil-Hasil Penelitian, 14(1), 18. https://doi.org/10.31332/ai.v14i1.1240Kasdi, A. (2016). Filantropi Islam untuk pemberdayaan ekonomi umat (Model pemberdayaan ZISWAF di BMT Se-Kabupaten Demak). IQTISHADIA Jurnal Kajian Ekonomi Dan Bisnis Islam, 9(2), 227. https://doi.org/10.21043/iqtishadia.v9i2.1729Majid, R., & Agassi, B. A. (2017). HASBLE Card: Innovation on company funding using shari’ah venture capital toward halal industry in Indonesia. Journal of Islamic Finance, 6(Special Issue), 242–256. https://doi.org/10.12816/0047352Mardiyah, A., & Ryandono, M. N. H. (2016). Sistem tanggung renteng pada koperasi assakinal sebagai bentuk penerapan konsep ta’awun. 2(1), 79–94. https://doi.org/10.20473/vol7iss20202pp372-388Mohd Nawawi, M. S. A., Abu-Hussin, M. F., Faid, M. S., Pauzi, N., Man, S., & Mohd Sabri, N. (2019). The emergence of halal food industry in non-Muslim countries: A case study of Thailand. Journal of Islamic Marketing, 11(4), 917-931. https://doi.org/10.1108/JIMA-05-2018-0082Nusa, A. T. S., & Khoirudin, R. (2020). Analisis determinan PAD sub-sektor pariwisata di DIY tahun 2012-2017. Journal of Economics Development Issues (JEDI), 3(1), 1–13. https://doi.org/https://doi.org/10.33005/jedi.v3i01.45Ozili, P. K. (2019). Non-performing loans in European systemic and non-systemic banks. Journal of Financial Economic Policy, 12(3), 409-424. https://doi.org/10.1108/JFEP-02-2019-0033Pratama, S. D., & Rahadiana, R. (2020). Muzakki potentials’ role in alleviating poverty (Study case in Aceh). International Journal of Islamic Economics and Finance (IJIEF), 3(1), 95–120. https://doi.org/10.18196/ijief.2123Priyono, S. (2017). Zakat sebagai instrumen dalam kebijakan fiskal. Al Mashlahah Jurnal Hukum Dan Pranata Sosial Islam, 1(2), 125–142. http://dx.doi.org/10.30868/am.v1i02.145Reginald, A. R., & Mawardi, I. (2015). Kewirausahaan sosial pada pondok pesantren sidogiri Pasuruan. Jurnal Ekonomi Syariah Teori dan Terapan, 1(5), 333–345. http://dx.doi.org/10.20473/vol1iss20145pp333-345Ryandono, M. N. H., & Ridlwan, A. A. (2020). Solution for Islamic banks exploitation: A criticism of fixed-yields based financing in Indonesia. Al-Uqud: Journal of Islamic Economics, 4(1), 48–68. https://doi.org/10.26740/al-uqud.v4n1.p48-68Sari, F. K., Safitri, N., & Anggraini, W. (2019). Persepsi, sikap dan minat pariwisata halal di daerah istimewa Yogyakarta. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 2(2), 137. https://doi.org/10.12928/ijiefb.v2i2.857Syamsuddin, S. (2019). Manajemen sumber daya manusia pada ikatan muballigh Sulawesi Tenggara (Imsultra). Al-Izzah: Jurnal Hasil-Hasil Penelitian, 14(1), 136-153. https://doi.org/10.31332/ai.v14i1.1294Umar, A., & Aliyu, S. (2019). Sukuk: A veritable tool for effective waqf fund management in Nigeria. Iqtishadia, 12(1), 1-11. https://doi.org/10.21043/iqtishadia.v12i1.4618Yudha, A. T. R. C., & Muizz, A. (2020). Optimalisasi potensi lahan pertanian untuk ketahanan pangan di Kecamatan Panceng, Gresik, Jawa Timur. Journals of Economics Development Issues (JEDI), 3(2), 297–308. https://doi.org/https://doi.org/10.33005/jedi.v3i2.55Yudha, A. T. R. C., Ryandono, M. N. H., Rijal, A., & Wijayanti, I. (2020). Financing model to develop local commodity business of East Java in Maqashid Syariah perspective. Test Engineering and Management, 83(3590), 3590–3595.Zustika, A. F., & Yudha, A. T. R. C. (2020). Peer to peer lending system in hifdul maal perspective: Evidence from the fintech company of Investree. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(8), 1585–1597. https://doi.org/10.20473/vol7iss20208pp1584-1597
THE EFFECT OF ISLAMIC BANK FINANCING ON MSMEs OUTPUT VALUE: PANEL DATA ANALYSIS Muhammad Syauqy Alghifary; Dzuliyati Kadji; Yenny Kornitasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 4 (2021): Juli-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20214pp518-529

Abstract

ABSTRAKPenelitian ini bertujuan untuk menganalisis pengaruh perbankan syariah terhadap nilai output UMKM di Indonesia melalui pengujian terhadap pengaruh pembiayaan modal kerja dan investasi bank syariah terhadap nilai output UMKM. Penelitian ini menggunakan pendekatan kuantitatif dengan mengolah data sekunder yang bersifat data panel. Sampel dari data cross section mencakup 33 provinsi di Indonesia dan sampel dari data time series yang bersifat tahunan mengambil rentang waktu tahun 2017-2019. Penelitian ini melibatkan dua variabel kontrol berupa Dana Pihak Ketiga (DPK) dan jumlah tenaga kerja Industri Mikro Kecil di Indonesia. Hasil pengujian menunjukkan bahwa secara simultan variabel pembiayaan modal kerja bank syariah, pembiayaan investasi bank syariah, DPK dan jumlah tenaga kerja berpengaruh signifikan terhadap nilai output UMKM di Indonesia tahun 2017-2019. Maka produk pembiayaan bank syariah dinilai efektif dalam meningkatkan nilai output UMKM.Kata kunci: Pembiayaan Modal Kerja, Pembiayaan Investasi, Bank Syariah, Nilai Output, UMKM. ABSTRACTThis study aims to analyze the effect of Islamic banking on the output value of MSMEs in Indonesia through testing the effect of working capital financing and Islamic bank investment on the output value of MSMEs. This study uses a quantitative approach by processing secondary data that is panel data. The sample of the cross section data covers 33 provinces in Indonesia and the sample of time series data which is annual takes the time span 2017-2019. This study involved two control variables in the form of Third Party Funds (DPK) and the number of workers in the Micro and Small Industry in Indonesia. The test results show that simultaneously the variables of Islamic bank working capital financing, Islamic bank investment financing, DPK and the number of workers have a significant effect on the output value of MSMEs in Indonesia in 2017-2019. So Islamic bank financing products are considered effective in increasing the output value of MSMEs.Keywords: Working Capital Financing, Investment Financing, Islamic Bank, Output Value, MSMEs. DAFTAR PUSTAKAAliyah, M., & Auwalin, I. (2020). Pengaruh pembiayaan bank syariah terhadap tenaga kerja usaha mikro, kecil, dan menengah (UMKM) di Indonesia: Metode autoregressive distributed lag (ARDL). Jurnal Ekonomi Syariah Teori dan Terapan, 7(12), 2313-2325. doi: 10.20473/vol7iss202012pp2313-2325.Annisa, L. N., & Yaya, R. (2015). Pengaruh dana pihak ketiga, tingkat bagi hasil dan non performing financing terhadap volume dan porsi pembiayaan berbasis bagi hasil pada perbankan syariah di Indonesia. Share: Jurnal Ekonomi dan Keuangan Islam, 4(1), 79–104. doi: 10.22373/share.v4i1.754.Burhan, M. U. (2006). Konsep dasar teori ekonomi mikro. Malang: BPFE UNIBRAW.Faisol, F. (2017). Islamic bank financing and it’s impact on small medium enterprise’s performance. Etikonomi, 16(1), 13–24. doi: 10.15408/etk.v16i1.4404.Gujarati, D. (2009). Basic econometrics. 5th ed. New York: McGraw-Hill.Hoetoro, A. (2018). Ekonomi mikro Islam: Pendekatan integratif. Malang: UB Press.Indraini, A. (2021). Bantuan modal UMKM berlanjut di 2021, begini cara dapatkannya. Diakses dari https://finance.detik.com/berita-ekonomi-bisnis/d-5343876/bantuan-modal-umkm-berlanjut-di-2021-begini-cara-dapatkannyaKara, M. (2013). Konstribusi pembiayaan perbankan syariah terhadap pengembangan usaha mikro kecil dan menengah (UMKM) di kota Makassar. Ilmu Syariah Dan Hukum, 47(1), 315–322.Karim, A. (2007). Ekonomi mikro Islami. 3ed. Jakarta: Raja Grafindo Persada.Litriani, E., & Leviana, L. (2017). Pengaruh pembiayaan modal kerja terhadap pendapatan usaha nasabah pada PT. Bank Syariah Mandiri kantor cabang Simpang Patal Palembang. I-Finance: A Research Journal on Islamic Finance, 3(2), 123-140. doi: 10.19109/ifinance.v3i2.1448.Manzilati, A. (2015). How profit and loss sharing system (PLS) encourage small & medium enterprises sustainability. Society of Interdisciplinary Business Research, 13(3), 1576–1580.Mukhlis, H., & Wahdaniyah, T. (2016). Pengaruh DPK, inflasi, dan NPF terhadap pembiayaan UMKM: Studi pada bank syariah di Indonesia 2012-2013. ISLAMINOMIC, 5(2), 15–28.Pertiwi, D. (2017). Pengaruh jumlah tenaga kerja, modal, teknologi, dan kewirausahaan terhadap laba usaha mikro kecil menengah. Jurnal Ilmiah Mahasiswa FEB, 6(1), 1–10.Purnamasari, F., & Darmawan, A. (2017). Islamic banking and empowerment of small medium enterprise. Etikonomi, 16(2), 221–230. doi: 10.15408/etk.v16i2.5355.Putra, W. P., & Yuliarmi, N. N. (2021). Pengaruh modal, tenaga kerja, tingkat pendidikan, teknologi terhadap produksi UMKM di kecamatan Ubud Kabupaten Gianyar. E-Jurnal Ekonomi Pembangunan, 10(4), 1686–1715.Rahardja, P., & Manurung, M. (2010). Teori ekonomi mikro; Suatu pengantar. Jakarta: Lembaga Penerbit FE UI.Ramadhanty, R. P., & Auwalin, I. (2021). Pengaruh pembiayaan perbankan bank umum syariah terhadap PDRB provinsi di Indonesia tahun 2010-2019. Jurnal Ekonomi Syariah Teori dan Terapan, 8(1), 8-17. doi: 10.20473/vol8iss20211pp8-17.Saputra, D. (2021). Bukan main! Menko Airlangga ungkap kontribusi UMKM Rp8.573 Triliun terhadap PDB RI. Diakses dari https://ekonomi.bisnis.com/read/20210505/9/1390773/bukan-main-menko-airlangga-ungkap-kontribusi-umkm-rp8573-triliun-terhadap-pdb-riSupraini, S. (2016). Pengaruh pembiayaan modal kerja dan investasi perbankkan syariah terhadap perkembangan UMKM di Provinsi Jambi. e-Journal Perdagangan Industri dan Moneter, 4(1), 41-60. doi: 10.22437/PIM.V4I1.4160.Suretno, S., & Bustam, B. (2020). Peran bank syariah dalam meningkatkan perekonomian nasional melalui pembiayaan modal kerja pada UMKM. Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam, 4(1), hal. 1. doi: 10.30868/ad.v4i01.752.Syarif, A. (2013). The growth of Islamic banking in Indonesia. Jurnal Ekonomika Bisnis, 3(1), 1–17. doi: 10.22219/jekobisnis.v3i1.2222.

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