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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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THE DETERMINANT FACTORS OF SOLVENCY ON SHARIA LIFE INSURANCE IN INDONESIA Yulita Widya Afiqah; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 5 (2021): September-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20215pp530-536

Abstract

ABSTRAKPenelitian bertujuan untuk menilai ada tidaknya pengaruh ukuran perusahaan, pertumbuhan kontribusi, hasil investasi, dan likuiditas terhadap solvabilitas yang diproksikan dengan Risk Based Capital pada Asuransi Jiwa Syariah di Indonesia secara parsial ataupun simultan. Penentuan sampel dengan metode purposive sampling dan ditemukan 10 perusahaan sampel. Dengan bantuan aplikasi Eviews9 melalui uji regresi data panel didapatkan persamaan RBC = -563.8638 + 44.05145 Ukuran + 1.922926 Kontribusi - 0.333289 Investasi + 0.911149 Likuiditas + e. Hasil penelitian menunjukkan keempat variabel bersama-sama memengaruhi solvabilitas. Ukuran perusahaan memiliki pengaruh positif signifikan sementara itu pertumbuhan kontribusi, hasil investasi, dan likuiditas menunjukkan tidak adanya pengaruh terhadap solvabilitas Asuransi Jiwa Syariah di Indonesia periode 2015-2019.Kata Kunci: Ukuran Perusahaan, Pertumbuhan Kontribusi, Hasil Investasi, Likuiditas, Solvabilitas, Asuransi Jiwa Syariah. ABSTRACTThe purpose of this study isto determine whether there is an effect of company size, premium growth, investment returns, and liquidity on solvency as proxied by Risk Based Capital on sharia life insurance in Indonesia partially or simultaneously. Determination of the sample by purposive sampling method found 10 sample companies. With the help of Eviews9 application through the panel data regression test, it is obtained the equation RBC = -563.8638 + 44.05145 Size + 1.922926 Contribution - 0.333289 Investment + 0.911149 Liquidity + e. The results showed that the four variables together affect solvency. Company size has a significant positive effect meanwhile the premium growth, investment returns, and liquidity shows no influence on the solvency of sharia life insurance in Indonesia period 2015-2019.Keywords: Company Size, Premium Growth, Investment Return, Liquidity, Solvency, Sharia Life Insurance. REFERENCESAbduh, M., & Zein Isma, S. N. (2017). Economic and market predictors of solvency of family takaful in Malaysia. Journal of Islamic Accounting and Business Research, 8(3), 334–344. https://doi.org/10.1108/JIABR-06-2015-0030Abera, H. B., & Yirsaw, T. D. (2020). Firm specific determinants of general insurance business solvency margin: Evidence from Ethiopia, 11(3), 21–31. https://doi.org/10.9790/5933-1103052131Caporale, G. M., Cerrato, M., & Zhang, X. (2017). Analysing the determinants of insolvency risk for general insurance firms in the UK. Journal of Banking and Finance, 84, 107–122. https://doi.org/10.1016/j.jbankfin.2017.07.011Fitriani, S. (2015). Pengaruh risk based capital terhadap profitabilitas asuransi syariah AXA Mandiri periode 2011-2013. Skripsi tidak diterbitkan. Bandung: Universitas Islam Bandung.Idris, M., & Paulus, D. H. (2020). Sharia life insurance: Legal basis and operational systems. Jurnal Hukum Prasada, 7(1), 45–52. https://doi.org/10.22225/jhp.7.1.1342.45-52Jawad, Y. A. L. A., & Ayyash, I. (2019). Determinants of the solvency of insurance companies in palestine. International Journal of Financial Research, 10(6), 188–195. https://doi.org/10.5430/ijfr.v10n6p188Kigen, W. K. (2014). The effect of firm size on profitability of insurance companies in Kenya. Unpublished master thesis. Kenya: University of Nairobi Nove.Moreno, I., Parrado-Martínez, P., & Trujillo-Ponce, A. (2020). Economic crisis and determinants of solvency in the insurance sector: New evidence from Spain. Accounting and Finance, 60(3), 2965–2994. https://doi.org/10.1111/acfi.12422Otoritas Jasa Keuangan. (2016). Peraturan Otoritas Jasa Keuangan Nomor 72/POJK.05/2016 tentang kesehatan keuangan perusahaan asuransi dan perusahaan reasuransi dengan prinsip syariah, 61 (2016). Retrieved from https://www.ojk.go.id/id/kanal/iknb/regulasi/asuransi/peraturan-ojk/Documents/Pages/POJK-tentang-Kesehatan-Keuangan-Perusahaan-Asuransi-dan-Perusahaan-Reasuransi-dengan-prinsip-syariah/SAL - POJK Kesehatan PAs PRs.pdfOtoritas Jasa Keuangan. (2019). Statistik IKNB syariah periode Desember 2019. Retrieved from https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/iknb-syariah/default.aspxKementerian Keuangan. (2011). Peraturan Menteri Keuangan Nomor 11/PMK.010/2011 tentang kesehatan keuangan usaha asuransi dan usaha reasuransi dengan prinsip syariah. Retrieved from https://jdih.kemenkeu.go.id/fulltext/2011/11~pmk.010~2011per.htmSrivastava, S. K., & Ray, A. (2013). Benchmarking Indian general insurance firms. Benchmarking: An International Journal, 20(1), 4–24. https://doi.org/10.1108/14635771311299461
GREEN ECONOMY OF WASTE BANK IN THE PERSPECTIVE OF MAQASHID SHARIA IN SURABAYA Muhammad Hamdan Ali Masduqie; Syarifudin Syarifudin; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 5 (2021): September-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20215pp593-606

Abstract

ABSTRAKLingkungan hidup merupakan tempat tinggal semua makhluk hidup yang harus dijaga dan dilestarikan. Kurangnya kepedulian masyarakat dalam melestarikan alam dapat menyebabkan pencemaran lingkungan dan banyaknya sampah berserakan. Hadirnya bank sampah menjadi salah satu upaya guna mewujudkan lingkungan yang bersih, asri dan sehat. Dalam sistem operasionalnya, bank sampah menerapkan nilai-nilai pada maqashid syariah yang kemudian diwujudkan melalui green economy pada bank sampah. Tujuan dari studi ini adalah untuk menganalisa nilai maqashid syariah sekaligus green economy yang terkandung pada Bank Sampah Induk Surabaya. Penelitian ini menggunakan metode kualitatif deskriptif dengan strategi studi kasus guna memberikan gambaran detail terkait sistem operasional pada Bank Sampah Induk Surabaya. Hasil penelitian ini menunjukkan adanya penerapan nilai maqashid syariah pada sistem operasional Bank Sampah Induk Surabaya melalui ketetapan, pengadaan kegiatan, dan peraturan yang ditetapkan serta mewujudkan 10 prinsip pada konsep green economy yang sekaligus mendukung tiga program pada Sustainable Development Goals (SDGs). Bersesuaian dengan ulasan sebelumnya mulai dari tujuan, metode penelitian dan hasil maka saran yang relevan dengan studi adalah perlu perhatian khusus bagi pengelolaan Bank Sampah Induk Surabaya agar penerapan nilai maqashid syariahnya lebih dioptimalkan sehingga mampu memberikan manfaat lebih banyak bagi masyarakat selain aspek ekonomi.Kata Kunci: Bank Sampah, Maqashid Syariah, Green Economy, Sustainable Development Goals (SDGs). ABSTRACTThe living environment is a home for all living things that should be protected and preserved. Lack of environmental awareness can cause environmental pollution and waste problems. The presence of waste banks becomes an attempt to create a clean, beautiful, and healthy environment. In its operational system, waste banks apply the values of maqashid sharia that is called green economy. The purpose of this study was to analyze the values of maqashid sharia and green economy which were applied by the Central Waste Bank of Surabaya. This study used a descriptive qualitative method with a case study strategy to provide a detailed description of the operating system at the Central Waste Bank of Surabaya. The results showed that the application of maqashid sharia values in the Central Waste Bank of Surabaya was applied through stipulations, procurement activities, and established regulations as well as realizing 10 principles in the green economy program concepts which also supported three programs in the Sustainable Development Goals (SDGs). According to the findings of this study, the relevant suggestion is that the management of the Central Waste Bank of Surabaya requires special attention so that the application of maqashid sharia values can be optimal. The optimization of maqashid sharia values will benefit the community, not limited to the economic aspect.Keywords: Waste Bank, Maqashid Sharia, Green Economy, Sustainable Development Goals (SDGs).REFERENCESAlfarisyi, A. T., & Fauzi, R. M. Q. (2020). Peran pemberdayaan bank sampah dalam Islam (Studi kasus pada bank sampah induk Surabaya). Jurnal Ekonomi Syariah Teori dan Terapan, 6(3), 541. https://doi.org/10.20473/vol6iss20193pp541-554Antasari, D. W. (2020). Implementasi green economy terhadap pembangunan berkelanjutan di kota Kediri. Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo, 5(2), 80–88. https://doi.org/10.35906/jep01.v5i2.402Arifah, S. R., & Zaki, I. (2020). The contribution of mukmin mandiri pesantren in the achievement of sustainable development goals (SDGs) through poverty alleviation. Jurnal Ekonomi Syariah Teori dan Terapan, 7(8), 1501. https://doi.org/10.20473/vol7iss20208pp1501-1513Asteria, D., & Heruman, H. (2016). Bank sampah sebagai alternatif strategi pengelolaan sampah berbasis masyarakat di Tasikmalaya. Jurnal Manusia dan Lingkungan, 23(1), 136.Dewi, 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, 1(1), 14–26.Enggardini, R. V., & Fauzy, M. Q. (2017). Kesejahteraan karyawan perspektif maqashid syariah pada pusat penelitian kopi dan kakao. Jurnal Ekonomi Syariah Teori dan Terapan, 4(8), 599–612.Haryanti, S., Gravitiani, E., & Wijaya, M. (2020). Studi penerapan bank sampah dalam upaya pengelolaan lingkungan hidup di kota Yogyakarta. Journal Bioeksperimen, 6(1), 60–68. https://doi.org/10.23917/bioeksperimen.v5i1.2795Kalempouw, K. G. (2021). Implementasi kebijakan pemerintah kota bitung dalam pengelolaan sampah dengan mengoptimalisasi bank sampah. Jurnal Politico, 10(4), 1–10.Mandasari, D., Mandasari, D., Wirjodirdjo, B., & Anityasari, M. (2021). Peningkatan fasilitas bank sampah sebagai upaya pengurangan timbunan sampah perkotaan di TPS Surabaya. Jurnal Teknik ITS, 9(2), F322–F327.Muthoharoh, I., & Syamsuri. (2021). The role of waste recycle by banking system to economic empowerment in Indonesia: A case of study of Bank Sampah Matahari Madiun. Proceedings of the 2nd Southeast Asian Academic Forum on Sustainable Development (SEA-AFSID 2018), 168, 82–86. https://doi.org/10.2991/aebmr.k.210305.015Nasution, L., & Ichsan, R. N. (2020). Sosialisasi peluang usaha bank sampah dalam peningkatan pendapatan masyarakat di masa Covid-19. Jurnal Pengabdian Kepada Masyarakat MAJU UDA, 107–112.Nikmah, R., & Syarifudin. (2021). Service quality and corporate image to the customer loyalty of BPRS Baktimakmur Indah Sepanjang Sidoarjo. Al-Mashrafiyah: Jurnal Ekonomi, Keuangan Dan Perbankan Syariah, 5(1), 1–14. https://doi.org/10.24252/al-mashrafiyah.v5i1.20022Novita, A. & Prasetyo, A. (2019). Implementasi komponen maqashid syariah terhadap kesejahteraan pada karyawan yayasan Nurul Hayat Surabaya. Jurnal Ekonomi Syariah Teori dan Terapan, 6(3), 428–445.Nugrahani, F. (2014). Metode penelitian kualitatif. Solo: Cakra Books.Prastyo, D., Purnomo, A. B., & Rahayaan, T. I. (2017). Pelaksanaan program bank sampah dalam sistem pengelolahan sampah di desa Jogodalu Kecamatan Benjeng Kabupaten Gresik. Penamas Adi Buana, 01(1), 7–12.Restuningdiah, N., Nagari, P. M., Jati, F. D., & Azzardina, A. (2021). Literasi bank sampah dan asuransi sampah sebagai upaya peningkatan kesejahteraan masyarakat. Jurnal Inovasi Hasil Pengabdian Masyarakat, 4(1), 144–152. https://doi.org/10.33474/jipemas.v4i1.9140Sahroni, O., & Karim, A. A. (2015). Maqashid bisnis & keuangan Islam: Sintesis fikih dan ekonomi. Jakarta: PT. Raja Grafindo Persada.Setiawan, E., & Fitria, S. E. (2016). Analysis of ecopreneur motivation to achieve green economy in the region district of Bandung (Study case bank sampah bersinar). E-Proceeding of Management, 3(3), 2828–2833.Silviana, U. A., & Kaukab, M. E. (2021). Peran dan fungsi bank sampah dalam peningkatan perekonomian masyarakat di desa Jembangan Kabupaten Banjarnegara. Journal of Community Service and Empowerment, 2(1), 25–37.Soediro, A., & Meutia, I. (2018). Maqasid sharia as a performance framework for Islamic financial institutions. Jurnal Akuntansi Multiparadigma, 9(1), 70–86.Sugiyono. (2012). Metode penelitian kuantitatif, kualitatif, dan kombinasi; mixed methods. Bandung: CV. Alfabeta.Syarifudin, Nurlailah, & Yudha, A. T. R. C. (2020). The allocation of tabarru’ fund underwriting surplus of iplan sharia product in PT. Asuransi Jiwa Generali Indonesia. Jurnal Ekonomi Syariah Teori dan Terapan, 7(9), 1804. https://doi.org/10.20473/vol7iss20209pp1804-1817Syarifudin, Sidarta, A. L., & Firdiansyah, F. A. (2021). Sharia investment literation by sharia insurance agents on unit-linked products. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 4(1), 105–122. https://doi.org/10.31538/iijse.v4i1.1377Wibowo, Y. G., & Izzuddin, A. (2021). Integrasi pengolahan sampah metode 3r dengan bank sampah di SMA. Jurnal Pengabdian Masyarakat Manage, 2(1), 19–23.Widyaningsih, N., Tjiptoherijanto, P., Widanarko, S., & Seda, F. S. (2015). Linkage model between sustainable consumption and household waste management. Procedia Environmental Sciences, 28(SustaiN 2014), 195–203. https://doi.org/10.1016/j.proenv.2015.07.026Wijayanti, D. R., & Suryani, S. (2015). Waste bank as community-based environmental governance: A lesson learned from Surabaya. Procedia - Social and Behavioral Sciences, 184(August 2014), 171–179. https://doi.org/10.1016/j.sbspro.2015.05.077Wulandari, D., Utomo, S. H., & Narmaditya, B. S. (2017). Waste bank: Waste management model in improving local economy. International Journal of Energy Economics and Policy, 7(3), 36–41.Yudha, A. T. R. C., Awwaliah, H., & Pertiwi, E. M. (2021). SDGs value and Islamic philantrophy through zakah institution during the Covid-19. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 4(1), 31. https://doi.org/10.12928/ijiefb.v4i1.2535Yudha, 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 hifdun maal perspective: Evidence from the fintech company of Investree. Jurnal Ekonomi Syariah Teori dan Terapan, 7(8), 1584. https://doi.org/10.20473/vol7iss20208pp1584-1597
ANALYSIS OF THE OPERATIONAL RISK DISCLOSURE OF SHARIA BANKS FOR THE 2015-2019 PERIOD Reza Rahmania Putri; Dian Filianti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 5 (2021): September-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20215pp655-668

Abstract

ABSTRAKPenelitian ini bertujuan untuk menginvestigasi pengaruh dari Dewan Pengawas Syariah (DPS), efisiensi, profitabilitas, dan ukuran perusahaan secara simultan dan parsial terhadap pengungkapan risiko operasional pada perbankan syariah di Indonesia. Metode yang digunakan adalah metode kuantitatif. Teknik analisis data akan menggunakan analisis statistik deskriptif, analisis regresi data panel, koefisien determinasi (R2), serta uji F dan uji t. Teknik penentuan sampel yang digunakan adalah teknik purposive sampling. Hasil penelitian ini menunjukkan bahwa ukuran perusahaan, profitabilitas, efisiensi, jumlah anggota DPS dan frekuensi rapat DPS secara simultan berpengaruh signifikan terhadap pengungkapan risiko operasional. Secara parsial, ukuran perusahaan dan frekuensi rapat Dewan Pengawas Syariah berpengaruh positif dan signifikan, sedangkan efisiensi berpengaruh negatif dan signifikan. Profitabilitas dan jumlah anggota Dewan Pengawas Syariah tidak berpengaruh signifikan terhadap pengungkapan risiko operasional. Penelitian ini memberikan kontribusi terhadap pengetahuan mengenai keputusan pengungkapan risiko operasional perbankan syariah dan dapat menjadi rujukan bagi akademisi, pemerintah, investor syariah, dan stakeholders perbankan syariah dalam mengetahui indikator-indikator yang mempengaruhi pengungkapan risiko operasional perbankan syariah.Kata Kunci: risiko operasional, Dewan Pengawas Syariah, efisiensi, profitabilitas, ukuran perusahaan. ABSTRACTThis study aims to investigate the effect of the Sharia Supervisory Board, efficiency, profitability, and firm size simultaneously and partially on operational risk disclosure in Islamic banking in Indonesia. The method used is a quantitative method. The data analysis technique will use descriptive statistical analysis, panel data regression analysis, coefficient of determination (R2), as well as F test and t test. The sampling technique used is purposive sampling technique. The results of this study indicate that company size, profitability, efficiency, number of members of the Sharia Supervisory Board and the frequency of meetings of the Sharia Supervisory Board simultaneously have a significant effect on operational risk disclosure. Partially, company size and frequency of Sharia Supervisory Board meetings have a positive and significant effect, while efficiency has a negative and significant effect. Profitability and the number of members of the Sharia Supervisory Board have no significant effect on the disclosure of operational risk. This research contributes to knowledge about decisions on disclosure of Islamic banking operational risk and can be a reference for academics, government, sharia investors, and sharia banking stakeholders in knowing the indicators that affect the disclosure of Islamic banking operational risks.Keywords: Operational Risk, Sharia Supervisory Board, Efficiency, Profitability, Firm Size.DAFTAR PUSTAKAAbdullah, M., Shahimi, S., & Ghafar Ismail, A. (2011). Operational risk in Islamic banks: Examination of issues. Qualitative Research in Financial Markets, 3(2), 131–151. https://doi.org/10.1108/17554171111155366Adelopo, I. (2011). Voluntary disclosure practices amongst listed companies in Nigeria. Advances in Accounting, 27(2), 338–345. https://doi.org/10.1016/j.adiac.2011.08.009Ajija, S. R., Sari, D. W., Setianto, R. H., & Primanti, M. R. (2011). Cara cerdas menguasai Eviews. Jakarta: Salemba Empat.Aminah, S., Erina, N., Khairudin, & Damayanti, T. (2019). Financial performance and market share in Indonesia Islamic banking: Stakeholder theory perspective. International Journal of Scientific and Technology Research, 8(1), 14–18.Aryani, D. N., & Hussainey, K. (2017). The determinants of risk disclosure in the Indonesian non-listed banks. International Journal of Trade and Global Markets, 10(1), 58–66. https://doi.org/10.1504/IJTGM.2017.082376Baidok, W., & Septiarini, D. F. (2016). Pengaruh dewan komisaris, komposisi dewan komisaris independen, dewan pengawas syariah, frekuensi rapat dewan komisaris syariah, dan frekuensi rapat komite audit terhadap pengungkapan indeks Islamic Social Reporting pada bank umum syariah periode 2010-201. Jurnal Ekonomi Syariah Teori dan Terapan, 3(12), 1020. https://doi.org/10.20473/vol3iss201612pp1020-1034Barakat, A., & Hussainey, K. (2013). Bank governance, regulation, supervision, and risk reporting: Evidence from operational risk disclosures in European Banks. 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The Journal of Risk, 9(1), 49–74. https://doi.org/10.21314/jor.2006.140Hemrit, W. (2020). Difference between the determinants of operational risk reporting in Islamic and conventional banks: Evidence from Saudi Arabia. Journal of Operational Risk, 15(1), 1–38. https://doi.org/10.21314/JOP.2019.235Ibrahimovic, S., & Franke, U. (2017). A Probabilistic approach to IT risk management in the Basel regulatory framework: A case study. Journal of Financial Regulation and Compliance, 25(2), 176–195. https://doi.org/10.1108/JFRC-06-2016-0050Izhar, H., & Asutay, M. (2010). A theoretical analysis of the operational risk framework in Islamic banks. International Journal of Economics, Management and Accounting, 18(1), 73–113.Jelita, W. R. S., & Shofawati, A. (2019). Manajemen risiko operasional pada PT Bank Pembiayaan Rakyat Syariah (BPRS) Jabal Nur Tebuireng di Surabaya. Falah: Jurnal Ekonomi Syariah, 4(1), 69. https://doi.org/10.22219/jes.v4i1.8733Jensen, M. C., & Meckling, W. H. (1979). Theory of the firm: Managerial behavior, agency costs and ownership structure. Journal of Financial Economics, 3(4), 163–231. http://linkinghub.elsevier.com/retrieve/pii/0304405X7690026XKhoirudin, A. (2013). Corporate governance dan pengungkapan Islamic social reporting pada perbankan syariah di Indonesia. Accounting Analysis Journal, 2(2), 227–232. https://doi.org/10.15294/aaj.v2i2.2919Neifar, S., & Jarboui, A. (2018). Corporate governance and operational risk voluntary disclosure: Evidence from Islamic banks. Research in International Business and Finance, 46(146), 43–54. https://doi.org/10.1016/j.ribaf.2017.09.006Nova, R. S., & Oktaviana, U. K. (2016). Analisis pengungkapan sukarela bank syariah di Indonesia. El-Muhasaba: Jurnal Akuntansi, 6(1), 94–110. https://doi.org/10.18860/em.v6i1.3894Nugroho, M. R. (2012). Pengaruh profitabilitas, efisiensi, dan total aset terhadap tingkat pengungkapan risiko operasional bank umum syariah di Indonesia. Skripsi tidak diterbitkan. Depok: Universitas Indonesia.Pradnyani, I. G. A. A., & Sisidyani, E. A. (2015). Pengaruh ukuran perusahaan, profitabilitas, leverage, dan ukuran dewan komisaris pada pengungkapan tanggung jawab sosial perusahaan. E-Jurnal Akuntansi, 11(2), 384–397.Saufanny, A. D., & Khomsatun, S. (2019). Corporate governance dan pengungkapan manajemen risiko bank syariah di Indonesia. Jurnal Akuntansi Dan Keuangan Islam, 5(1), 47–61. https://doi.org/10.35836/jakis.v5i1.13Yuanisa, L. (2019). Pengaruh kepemilikan institusional dan tata kelola perusahaan terhadap pengungkapan risiko operasional perbankan syariah. Skripsi tidak diterbitkan. Yogyakarta: Universitas Islam Indonesia.
Determinan faktor internal profitabilitas BPD Syariah Tahun 2014-2017 Kuni Farikhah; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 2 (2019): Februari-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20192pp399-410

Abstract

This study aims to determine the effect of DPK, FDR, Profit Sharing and NPF on the profitability of BPD Syariah in Indonesia in 2014-2017. Measurement of profitability using ROA ratio. The data used are secondary data obtained through the financial report of BPD Syariah. This research method using quantitative approach by using regression panel data analysis technique at 11 banks that match with sample criterion by using software EViews 10.0. The result of statistikal test shows that the variable of DPK and NPF has a negative and significant effect on the profitability of BPD Syariah. While the variable of FDR and Financing of Profit Sharing have no significant effect to profitability of BPD Syariah.Keywords: DPK, FDR, Profit Loss Sharing, NPF, Profitability, Islamic Development BankREFERENCES Ajija, Shochrul R., Dyah W. Sari, Rahmat H. Setianto, Martha R. Primanti. 2011. Cara Cerdas Menguasai EViews. Jakarta: Salemba EmpatAnggreni, Made Ria dan I Made Sadha Suardhika. 2014. Pengaruh Dana Pihak Ketiga, Kecukupan Modal, Risiko Kredit dan Suku Bunga Kredit Pada Profitabilitas. E-Jurnal Akuntansi Universitas Udayana. ISSN: 2302-8556. Diakses pada 27 Januari 2018Annisa, Maulidya Himmah. 2016. Pengaruh Fee Based Income, Sertifikat Bank Indonesia Syariah (SBIS), Pembiayaan Bagi Hasil, Dan Dana Pihak Ketiga (DPK) Terhadap Profitabillitas Perbankan Syariah Di Indonesia (Periode 2012-2016). Skripsi. Jakarta: UIN Syarif HidayatullahAnshori, Muslich dan Sri Iswati. 2009. Buku Ajar Metodologi Penelitian Kuantitatif. Surabaya: Airlangga University PressAntonio, Muhammad Syafi’i. 2001. Bank Syariah : Dari Teori ke Praktik. Jakarta: Gema insani press Fadhila, Novi. 2015. Analisis Pembiayaan Mudharabah dan Murabahah terhadap Laba Bank Syariah Mandiri. Jurnal Riset Akuntansi dan Bisnis. Volume 15 No.1Fielyzia, Rizqita. 2017. Analisis Pengaruh Fee Based Income (FBI), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Dan Giro Wajib Minimum (GWM) Terhadap Profitabilitas Perbankan. Skripsi. Surabaya: Universitas AirlanggaGhozali, Imam. 2011. Aplikasi Analisis Multivariat dengan Program IBM SPSS 21 Update PLS Regresi Edisi 5. Semarang: Badan Penerbitan Universitas DiponegoroGujarati, Damodar N. dan Porter Dawn C..2013. Dasar-Dasar Ekonometrika Basic Economics Edisi 5 Buku 1. Jakarta: Salemba Empat Islamiyah, Mufidatul. 2016. Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK), dan Non Performing Financing (NPF) terhadap Profiitabilitas (Studi pada Bank Syariah Mandiri Tahun 2008-2015). Skripsi. Malang: UIN Maulana Malik IbrahimKarim, Adiwarman A.. 2014. Bank Islam: Analisis Fiqih dan KeuanganEdisi Kelima. Jakarta: PT. RajaGrafindo Persada Kasmir. 2016. Analisis Laporan Kuangan Edisi Pertama. Jakarta: PT. RajaGrafindo Persada Menicucci, Elisa dan Guido Paolucci. 2016. The Determinants of Bank Profitability: Emirical Evidence from European Banking Sector. Journal of Financing Reporting and Accounting. Vol. 14 Issues 1:86-115. Diakses melalui www.emeraldinsight.com/1985-2517.htm pada 19 Juni 2018Riyadi, Slamet dan Agung Yulianto. 2014. Pengaruh Pembiayaan Bagi Hasil, Pembiayaan Jual Beli, Financing to Deposit Ratio (FDR) dan Non Performing Financing (NPF) Terhadap Profitabilitas Bank Umum Syariah di Indonesia. Jurnal Analisis Akuntansi. Diakses pada tanggal 30 November2017dari: https://journal.unnes.ac.id/sju/index.php/aaj/article/view/4208Soemitra, Andri. 2009. Bank dan Lembaga Keuangan SyariahEdisi Pertama. Jakarta: Kencana Prenadamedia Group Sugiyono. 2014. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: CV Alfabeta Suryani. 2011. Analisis Pengaruh Financing to Deposit Ratio (FDR) terhadap Profitabilitas Perbankan Syariah di Indonesia. Jurnal Walisongo. Volume 19: No. 1Wangsawidjaja Z., A. 2012. Pembiayaan Bank Syariah. Jakarta: PT. Gramedia Pustaka UtamaWulandari, Retno. 2017. Pengaruh CAR, FDR, NPF, dan Pertumbuhan DPK terhadap Profitabilitas pada Industri Bank Pembiayaan Rakyat Syariah di Indonesia Tahun 2011-2015. Skripsi. Surabaya: Universitas Airlangga
THE EFFECT OF SERVICE QUALITY AND SATISFACTION ON LOYALTY IN MEMBERS OF “KSPPS BMT MANDIRI SEJAHTERA JAWA TIMUR” Ferdian Dwi Krismonicha; Ari Prasetyo
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 5 (2021): September-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20215pp548-558

Abstract

ABSTRAKPenelitian bertujuan mengetahui kualitas pelayanan dan kepuasan berpengaruh terhadap loyalitas anggota “KSPPS BMT Mandiri Sejahtera Jawa Timur” secara parsial dan simultan dengan data dari hasil kuisioner secara aksidental dengan sampel 100 anggota BMT dan diuji instrumen. Pengujian regresi berganda Y = a + b1.x1 +b2.x2 menghasilkan persamaan regresi berganda Y = 3,793 + 0,316 + 0,477, uji asumi klasik (normalitas multikoliniearitas, heteroskedastistas), dan uji hipotesis berdasar uji T ditemukan hipotesis pertama dan kedua diterima, kualitas pelayanan dan kepuasan masing-masing memengaruhi loyalitas dengan kualitas pelayanan lebih dominan mempengaruhi loyalitas. Hasil simultan hipotesis uji F kedua variabel bersama-sama berpengaruh terhadap loyalitas.Kata Kunci: Kualitas Pelayanan, Kepuasan, Loyalitas, Baitul Maal Tamwil. ABSTRACTThe purpose of the study is to find out whether service quality and satisfaction affect the loyalty of members of "KS PPS BMT Mandiri Sejahtera East Java" partially and simultaneously with data from the accidental questionnaire results, with a sample of 100 BMT members and tested by using some instruments. The multiple regression test of Y = a + b1.x1 +b2.x2 gave the multiple regression equation of Y = 3.793 + 0.316 + 0.477, and classic assumption test (multicollinearity normality, heteroscedasticity), and hypothesis testing based T- test found that the first and second hypotheses are accepted, and service quality and satisfaction each influence loyalty with service quality more dominantly affects loyalty. The simultaneous results of the two variables of F test hypothesis together have an effect on loyalty.Keywords: Service Quality, Satisfaction, Loyalty, Baitul Maal Tamwil REFERENCESAnshori, M., & Iswati, S. (2009). Metodologi penelitian kuantitatif. Surabaya: Airlangga University Press (AUP).Berry, L. L., Parasuraman, A., & Zeithaml, V. A. (1988). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. Journal of Retailing, 64(1), 12–40.Fida, B. A., Ahmed, U., Al-Balushi, Y., & Singh, D. (2020). Impact of service quality on customer loyalty and customer satisfaction in Islamic banks in the Sultanate of Oman. SAGE Open, 10(2). https://doi.org/10.1177/2158244020919517Griffin, J. (2002). Customer loyalty. Jakarta: Erlangga.Huda, N., & Heykal, M. (2010). Lembaga keuangan Islam, Jakarta: Kencana.Ilieska, K. (2013). Customer satisfaction index – as a base for strategic marketing management. TEM Journal, 2(4), 327–331.Kotler, P., & Keller, K. L. (2008). Manajemen pemasaran. Jakarta: Penerbit Erlangga.Leninkumar, V. (2017). The relationship between customer satisfaction and customer trust on customer loyalty. International Journal of Academic Research in Business and Social Sciences, 7(4), 450–465. https://doi.org/10.6007/ijarbss/v7-i4/2821Omoregie, O. K., Addae, J. A., Coffie, S., Ampong, G. O. A., & Ofori, K. S. (2019). Factors influencing consumer loyalty: Evidence from the Ghanaian retail banking industry. International Journal of Bank Marketing, 37(3), 798–820. https://doi.org/10.1108/IJBM-04-2018-0099Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1985). A conceptual model of service quality and its implications for future research. Journal of Marketing, 49(4), 41. https://doi.org/10.2307/1251430Sunyoto, D. (2012). Dasar-dasar manajemen pemasaran. Yogyakarta: CAPS.Yap, B. W., Ramayah, T., & Wan Shahidan, W. N. (2012). Satisfaction and trust on customer loyalty: A PLS approach. Business Strategy Series, 13(4), 154–167. https://doi.org/10.1108/17515631211246221Zeithaml, V. A. (2000). Service quality, profitability, and the economic worth of customers: What we know and what we need to learn. Journal of the Academy of Marketing Science, 28(1), 67–85. https://doi.org/10.1177/0092070300281007Zeithaml, V. A., Berry, L. L., & Parasuraman, A. (1996). The behavioral consequences of service quality. Journal of Marketing, 60(2), 31–46. https://doi.org/10.2307/1251929
Analisis Pengaruh CAR dan FDR terhadap Equivalent Rate Deposito serta Dampaknya terhadap Total Aset pada Industri Perbankan Syariah di Indonesia Periode Januari 2013 – April 2018 dengan Path Analysis Argya Kirana Hasanah Raharyan; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 2 (2019): Februari-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20192pp243-253

Abstract

This study aims to determine the influence of CAR and FDR on Deposit Equivalent Rate which then re-analyzed its impact on Total Asset at Sharia Commercial Bank and Sharia Business Unit in Indonesia. This study used Path Analysis with quantitative approach. Statistical tool used in this research is SPSS Version 23. The data used in this research are secondary data which fully downloaded from official site of Otoritas Jasa Keuangan (OJK). The result of Regression Model 1 reveal CAR and FDR simultaneously have significant influence to Deposit Equivalent Rate, evidenced by significance value below alpha of 0,05. While the other result (Regression Model 2) show that CAR, FDR, and Deposit Equivalent Rate simultaneously have significant affect to Total Asset, which is also evidenced by significance value below alpha of 0,05.Keywords: : CAR, FDR, Equivalent Rate, Total Asset, Sharia BanksREFERENCES Algoud, Latifa M. dan Lewis, Mervyn K. 2003. Perbankan Syariah : Prinsip, Praktik, dan Prospek. Diterjemahkan Oleh : Burhan Wirasubrata. Jakarta : Serambi.  Djuwita, D., & Muhammad, A. F. 2016. Pengaruh Total DPK, FDR, NPF dan ROA terhadap Total Asset Bank Syariah di Indonesia. Jurnal Kajian Ekonomi Dan Perbankan Syari’ah, 281–297.Farook, S., Hassan, M. K., & Clinch, G. 2012. Profit Distribution Management by Islamic Banks : An Empirical Investigation. Quarterly Review of Economics and Finance, 52(3), 333– 347. Ismail. 2010. Akuntansi Bank : Teori dan Aplikasi dalam Rupiah. Jakarta : Prenada Media Group. _____. 2011. Perbankan Syariah. Jakarta : Prenada Media Group. Karim, Adiwarman. 2014. Bank Islam Analisis Fiqh dan Keuangan. Edisi Kelima. Jakarta : PT RajaGrafindo Persada. Kasmir. 2009. Bank dan Lembaga Keuanga Lainnya. Jakarta : PT RajaGrafindo Persada. ______. 2010. Dasar-Dasar Perbankan. Jakarta : PT RajaGrafindo Persada. ______. 2016. Analisis Laporan Keuangan. Jakarta : PT RajaGrafindo Persada. Lahrech, N., Lahrech, A., & Boulaksil, Y. 2014. Transparency and Performance in Islamic Banking: Implications on Profit Distribution. International Journal of Islamic and Middle Eastern Finance and Management, 7(1), 61– 88. Machmud, A., & Rukmana. 2010. Bank Syariah : Teori, Kebijakan, dan Studi Empiris di Indonesia. Jakarta: Erlangga. Masruroh, Fitriani dan Rohman Effendi. Analysis The Profit Distribution Management (PDM) Sharia Bank in Indonesia Period 2010-2014. 2016. Artikel Ilmiah Mahasiswa 2016.Muhammad. 2014. Manajemen Keuangan Syariah (1st ed.). Yogyakarta: UPP STIM YKPN. Murni, Asfia. 2009. Ekonomika Makro. Bandung : PT Refika Aditama. Mursid, A., & Suhartono, E. 2014. Faktor Determinan Nasabah dalam Pemilihan Bank Syariah. Jurnal Dinamika Manajemen, 5(4), 45–58. Oktaviana, Ulfi Kartika. 2012. Financial Ratio to Distinguish Banks, Islamic Business Units and Conventional Banks in Indonesia. Jakarta : Kementrian Agama RI Direktorat Jenderal Pendidikan Islam. Riduwan dan Kuncoro, Engkos. 2012. Cara Menggunakan dan Memaknai Path Analysis (Analisis Jalur). Bandung : Alfabeta. Rosyidi, Suherman. 2014. Pengantar Teori Ekonomi : Pendekatan Kepada Teori Ekonomi Mikro dan Makro. Edisi Revisi. Jakarta : PT RajaGrafindo Persada.  Suharso, Puguh. 2009. Metode Penelitian Kuantitatif untuk Bisnis : Pendekatan Filosofis dan Praktis. Jakarta : Indeks. Sujarweni, V. Wiratna. 2015. Metodologi Penelitian Bisnis dan Ekonomi. Yogyakarta : PUSTAKABARUPRESS. Susanti, V. 2015. Pengaruh Equivalent Rate dan Tingkat Keuntungan Terhadap Dana Pihak Ketiga (DPK) Perbankan Syariah di Indonesia. I Finance, Vol. 1. No(Juli 2015), 20. Syafrida, I., & Abror, A. 2011. Faktor-Faktor Internal Dan Eksternal Yang Mempengaruhi Pertumbuhan Aset Perbankan Syariah Di Indonesia. Juni, 10(2011), 25–33.Wahyu, D. R. (2016). Financing to Deposit Ratio (FDR) Sebagai Salah Satu Penilaian Kesehatan Bank Umum Syariah (Studi Kasus Pada Bank BJB Syariah Cabang Serang). Jurnal Ekonomi Keuangan Dan Bisnis Islam, 7(1), 19–36. http://www.bi.go.id/ diakses pada 18 Maret 2018 http://www.bps.go.id/ diakses pada 10 Mei  2018 http://www.ojk.go.id/ diakses pada 15 Mei 2018 http://republika.com/ diakses 25 Juni 2018
FAKTOR-FAKTOR PENILAIAN KEPUTUSAN KONSUMEN DALAM PEMBELIAN KOSMETIK HALAL (STUDI KASUS MAHASISWI MUSLIMAH FAKULTAS EKONOMI DAN BINIS UNIVERSITAS AIRLANGGA) Mega Fitria Sitama; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 3 (2019): Maret-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20193pp599-624

Abstract

This study aims to determine the assessment of prices, income, benefits, priority scale, perceptions of wasteful feelings and consumer decisions in purchasing halal cosmetics case studies of Unair Surabaya FEB female students. This study uses a quantitative approach with analysis of hypothesis testing. Retrieval of primary data in this study was conducted using a questionnaire. The sample in this study amounted to 357 students from the Faculty of Economics and Business, Airlangga University, Surabaya. Based on the results of the study, the valuation of prices consisting of prices (benefits), prices (affordable), prices (competing) partially has a significant effect. Revenue partially has a significant effect. Halal judgments which consist of halal necessity, halal logo (competitor), halal logo (Islamic rules), halal logo (important aspects) partially have a significant effect. Assessment of benefits that consist of benefits (face), benefits (appearance), benefits (not allergies), benefits (long-term), partially significant effect. Evaluation of priority scale consists of priority scale (food), priority scale (health), priority scale (education), priority scale (residence) partially significant effect. Perception assessment consisting of perceptions (unique and funny packaging), perceptions (replace new ones), perceptions (moderate trends), partially have a significant effect. Consumer decision making partially has a significant effect.Keywords: Price valuation, Income, Benefits, Priority Scale, Perception of Wasteful Feelings, Consumer Decisions, Halal Cosmetics.REFERENCESAbdullah, Thamrin dan Francis Tantri. 2012. Manajemen Pemasaran. Jakarta: PT. Raja Grafindo Persada.Alhafidz, Ahsin W. 2007. Fikih Kesehatan. Jakarta: AmzahEngel, James F ., et al. 1994. Perilaku Konsumen Jilid 1 hal 69. Jakarta:Binarupa AksarJuliana Ibnu Mubarok. 2012. Kamus Istilah Ekonomi. Bandung: Yrama WidyaKarim, Adi warman. 2012. Ekonomi Mikro Islam. Jakarta: Rajawali Press (https://kemenag.go.id/berita/read/302900, diakses 12 september 2018Kotler, philip dan kevin lane keller. 2003. Manajemen Pemasaran Edisi 13 terjemahan Bob Sabran. Jakarta: ErlanggaMuflih, Muhammad. 2006. Perilaku Konsumen dalam perspektif Ilmu Ekonomi Islam. Jakarta: PT.Raja Grafindo. Muhammad. 2004. Ekonomi Mikro dalam Perspektif Islam. Yogyakarta : BPFE YogyakartaNasution, Mustafa Edwin et al. 2006.  Pengenalan Eksklusif Ekonomi Islam. Jakarta: Kencana Prenadamedia GroupQardhawi, Yusuf. 2000.Halal dan Haram dilengkap Takhrij Hadits.Jakarta : Robbani PressRakhmat, Jalaludin. 2007.  Psikologi komunikasi. Bandung PT Remaja Rosdakarya.Rosyidi, Suherman. 2014. Pengantar Teori Ekonomi Pendekatan kepada Teori Ekonomi Mikro & Makro. Jakarta: Raja Grafindo PersadaSari, Tiurma Yustisi. 2009. Hubungan antara Perilaku Konsumtif dengan Body Image pada Remaja Putri. Skripsi S1. Sumatera Utara: Universitas Sumatera Utara.Setiadi, Nugroho J. 2013. Perilaku Konsumen. Jakarta: Kencana Prenada Media Group.Setyaningrum, Ari., et al. 2015. Prinsip-Prinsip Pemasaran Plus Tren Terkini. Yogyakarta: Andi OffsetSitepu, Novi Indriyani. 2016. Jurnal Perspektif Ekonomi Darussalam. Volume 2 No 1 hal 13. ISSN 2502-6976Slameto. 2010. Belajar & Faktor-Faktor yang  Mempengaruhi. Jakarta: Rineka CiptaSondang, P Siagaan. 1989. Teori Motivasi dan Aplikasinya. Jakarta :Rineka CiptaSudremi, Yuliana. 2007. Pengetahuan Sosial Ekononomi Kelas X. Jakarta: Bumi AksaraSunyoto, Danang. 2013. Dasar-Dasar Manajemen Pemasaran. Yogyakarta: CAPSSyarifuddin, Amir. 2011.Ushul Fiqh Jilid 2. Jakarta : KencanaTjiptono, Fandy. 2006. Pemasaran Jasa hal 2. Malang : Bayumedia PublishingTodaro. 2002. Ekonomi Dalam Pandangan Modern. Jakarta : Bina AksaraWorld Halal Forum, 2013. (http://www.worldhalalforum.org/whf_intro.html, diakses 12 September 2018).
MUSLIM CONSUMERS' INTENTION TO SUBSCRIBE TO VIDEO ON DEMAND SERVICES FOR ISLAMIC CONTENT Muhammad Agung Prayogo; Meri Indri Hapsari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 5 (2021): September-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20215pp607-616

Abstract

ABSTRAKEra digitalisasi menjadikan masyarakat mudah untuk melakukan apapun, dimanapun, dan kapanpun termasuk mendapatkan hiburan melalui platform layanan “Video on Demand”. Dalam upaya peningkatan jumlah pengguna berlangganan dalam pasar legal, pelaku penyedia layanan VoD dapat mengoptimalkan peluang pasar yang belum tersentuh yaitu menyediakan konten khusus Muslim berupa tayangan Islami. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi niat konsumen Muslim berlangganan platform VoD guna menikmati tayangan Islami yang tersedia. Kuesioner penelitian disebarkan secara online yang terdiri dari item pengukuran untuk religiusitas (RO), persepsi kualitas konten (PCQ), persepsi kegunaan (PU), persepsi biaya (PC), dan niat berlangganan (ITP). Sebanyak 221 orang mengumpulkan respon dan semuanya sesuai dengan kriteria yang ditentukan. Metode analisis PLS-SEM digunakan untuk menganalisis data yang telah terkumpul. Hasil menunjukkan bahwa RO, PU, PC berpengaruh positif signifikan terhadap Intention to Pay (Subscribe) konsumen Muslim terhadap tayangan Islami yang tersedia di layanan VoD. Sementara itu, PCQ berpengaruh positif tidak signifikan. Penelitian ini diharapkan mampu memberikan gambaran baru mengenai potensi pasar religius di industri media dan hiburan yang masih belum tersentuh. Lebih dari itu, peneliti mengharapkan adanya sinergi dalam penciptaan industri media dan hiburan halal sebagai langkah pengembangan ekosistem halal di Indonesia dan menjadikan Indonesia sebagai pusat Ekonomi Islam di dunia.Kata Kunci: Tayangan Islami, Video on Demand, Religiusitas, Intention to Pay. ABSTRACTThe digitalization era makes people easy to do anything, wherever, whenever including to find entertainment via ”Video on Demand” platforms. In an effort to increase the number of subscribed users in the legal market, vod service providers can optimize the previously untouched market opportunities of providing Muslim special content with Islamic content. The aim of this study is to identify factors affecting Muslim consumers' intent to subscribe to the vod platform to enjoy the available Islamic content. The research questionnaires were spread out online in which there were measuring items to identify religiosity (RO), perceived content quality (PCQ), perceived usefulness (PU), perceived cost (PC), and intention to pay/subscribe (ITP). As many as 221 people have gathered their responses and are all in accordance with the stated criteria. The data collected is analyzed using SEM-PLS. This research finds that religiosity (RO), perceived usefulness (PU), and perceived cost (PC) have a significant positive effect on intention to pay/subscribe (ITP). Meanwhile, perceptions of quality content (PCQ) have a positive effect are insignificant. This research is expected to provide a new picture of the untapped potential of the religious market in the media and entertainment industry. Moreover, the researcher hopes that there will be a synergy in the creation of the halal media and entertainment industry as a step in developing the halal ecosystem in Indonesia and making Indonesia the center of the Islamic economy in the world.Keywords: Islamic content, Video on Demand, Religiosty, Intention to Pay.DAFTAR PUSTAKAAllport, G. W., & Ross, J. M. (1967). Personal religious orientation and prejudice. Journal of Personality  and Social Psychology, 5(4), 432-443.Anto, H. M. B. (2003). Pengantar ekonomi mikro Islami. Yogyakarta: Ekonisia.Bentler, P. M., & Chou, C. P. (1987). Practical issues in structural modeling. Sociological Methods & Research, 16(1), 78–117.Beyah, G., Xu, P., Woo, H., Mohan, K., & Straub, D. (2003). Development of an instrument to study the use of recommendation systems. Proceedings of AMCIS, 269-277.Cheong, H. J., & Park, M. C. (2005). Mobile internet acceptance in Korea. Journal of Internet Research, 15(2), 125-140.Chiang, E., & Assane, D. (2009). Estimating the willingness to pay for digital music. Contemporary Economic Policy, 27(4), 512-522.Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.Fam, K. S., Waller, D. S., & Erdğoan, B. Z. (2004). The influence of religion on attitudes toward the advertising of controversial products. European Journal of Marketing, 38(5/6), 537-555.Hair, J. F., Sarstedt, M., Ringle, C. M., & Mena, J. A. (2011). An assessment of the use of partial least squares structural equation modeling in marketing research. Journal of the Academy of Marketing Science, 40(3), 414-433.Henley, W. H., Philhours, M., Ranganathan, S. K., & Bush, A. J. (2009), The effects of symbol product relevance and religiosity on consumer perceptions of christian symbols in advertising. Journal of Current Issues and Research in Advertising, 31(1), 89-103.Hirschman, E. C. (1983). Religious affiliation and consumption processes: An initial paradigm. Research in Marketing, 6(1), 131-170.Husted, B. (2000). The impact of national culture on software piracy. Journal of Business Ethics, 26(3), 197-211.Indrawati. (2014). The use of modified unified theory of acceptance and use of technology to predict the behavioural intention toward website. Applied Mechanics and Materials, 568-570, 1586-1592.Jung, Y., Perez-Mira, B., & Wiley-Patton, S. (2009). Consumer adoption of mobile TV: Examining psychological flow and media content. Computers in Human Behavior, 25(1), 123–129.Kalvenes, J., & Neil K. (2008). The Market for Video on Demand. Networks and       Spatial Economics, 8(1). 43-59.La Barbera, P. A., & Gürhan, Z. (1997). The role of materialism, religiosity, and       demographics in subjective well-being. Psychology and Marketing, 14(1), 71-97.Lee, M. (1999). A study on the determinants of service loyalty. Korean Marketing Research, 14(1), 21-45.Lee, B. C., Yoon, J. O., & Lee, I. (2009). Learners' acceptance of e-learning in South Korea: Theories and results. Computers and Education, 53(4), 1320-1329.Liou, D. K., Hsu, L. C., & Chih, W. H. (2015). Understanding broadband television users' continuance intention to use. Industrial Management and Data Systems, 115(2), 210–234.Madnani, D., Fernandes, S., & Madnani, N. (2020). Analysing the impact of COVID-19 on over-the-top media platforms in India. International Journal of Pervasive Computing and Communications, 16(5), 457-475.Minton, E. A. (2015). In advertising we trust: Religiosity’s influence on marketplace and relational trust. Journal of Advertising, 44(4), 403-414.Muflih, M. (2006). Perilaku konsumen dalam perspektif ilmu ekonomi Islam. Jakarta: Raja Grafindo Persada.Muhamad, N., & Mizerski, D. (2010). The constructs mediating religions’ influence on buyers and consumers. Journal of Islamic Marketing, 1(2), 124-135.Park, S., Kang, S. U., & Zo, H. (2016). Analysis of influencing factors on the IPTV    subscription: Focused on the moderation role of user perceived video quality. Information Technology & People, 29(2), 419-443.Petersen, L. R., & Roy, A. (1985). Religiosity, anxiety, and meaning and purpose: Religion’s consequences for psychological well-being. Review of Religious Research, 27(1), 49-62.Shah Alam, S., Mohd, R., & Hisham, B. (2011). Is religiosity an important determinant on Muslim consumer behaviour in Malaysia?. Journal of Islamic Marketing, 2(1), 83-96.Shin, D. H. (2009). Determinants of customer acceptance of multi-service network: An implication for IP-based technologies. Information & Management, 46(1), 16-22.Taylor, V. A., Halstead, D., & Haynes, P. J. (2010). Consumer responses to Christian religious symbols in advertising. Journal of Advertising, 39(2), 79-92.Tsu W. T., Marthandan, G., Yee, L. C., A., Ooi, K., & Arumugam, S. (2009). What drives Malaysian m‐commerce adoption? An empirical analysis. Industrial Management & Data Systems, 109(3), 370–388.Tuan, N. M. (2012). Effects of service quality and price fairness on student satisfaction. International Journal of Business and Social Science,  3(9), 132-150.Ustaahmetoğlu, E. (2020). The influence of different advertisement messages and levels of religiosity on attitude and purchase intention. International     Journal of Islamic and Middle Eastern Finance and Management, 13(2), 339-356.Weinberger-litman, S. L., Rabin, L. A., & Fogel, J. (2016). Body Dissatisfaction and Disordered Eating among Jewish Women: The Role of Religious Orientation and Spiritual Well-Being (Yael Latze). Springer International Publishing. Retrieved from https://doi.org/10.1007/978-3-319-32742-6Weniger, S. (2010). User adoption of IPTV: A research model. Bled Proceedings. Ljubljana: Slovenia.Zeithaml, V. A. (1988). Consumer perception of price, quality, and value: A meansend model and synthesis of evidence. Journal of Marketing, 52(3), 2-22.
THE ANALYSIS OF THE THEORY OF PLANNED BEHAVIOR ON THE INTEREST OF SURABAYA'S CITIZENS FOR SHARIA OWNERSHIP CREDIT IN DE RAYYAN DEVELOPER PROPERTY Arif Dwi Harnoko; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 8 (2020): Agustus-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20208pp1527-1537

Abstract

This study is composed to prove whether the Theory of Planned Behavior variables, namely attitudes, subjective norms, and behavioral control perceived by the citizens of Surabaya have a significant effect on their intention to Sharia House Ownership Loans (De Rayyan Developer Property). This is a quantitative study by using multiple regression analysis techniques. Criteria of respondents in this study were residents of Surabaya according to the criteria that has been established by the researcher. The total sample obtained was 94 people by using a simple random sampling technique. The findings of this study indicated that the exogenous variables in the Theory of Planned Behavior are subjective norms, and perceived behavioral control has a significant effect on Surabaya residents' intentions for Sharia Home Ownership Loans. On the contrary, the attiude variable does not significantly influence the intention of residents of Surabaya for shariah home ownership credit. The suggestion of this research is to add new exogenous variables that have the possibility of having significant effects such as the level of religiosity and trust in Sharia Property Developer.Keywords: Sharia House Ownership Credit, Intention, Theory of Planned Behavior, Surabaya Citizen, De Rayyan Property Developer
PENGARUH INFLASI, NILAI TUKAR RUPIAH, BI RATE TERHADAP NILAI AKTIVA BERSIH REKSA DANA TERPROTEKSI SYARIAH PERIODE 2014-2018 DI INDONESIA Mohammad Ilyas; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 9 (2019): September-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20199pp1830-1839

Abstract

The Research aims to determine the influence of inflation, currency exchange rate, interest rate that affect net asset value of protected Islamic mutual fund from 2014-2018 in Indonesia partially and simultaneously. The research also uses quantitative approach and multiple regression analysis technique. The sample used for this research is obtained from monthly statistic data of Bank Indonesia, Otoritas Jasa Keuangan, and Pusat data kontan which had been published online from January 2014 to Desember 2018, so there are 60 samples taken for this reserch. The variabels of this research include inflation (X1), currency exchange rate (X2), interest rate (X3), and net asset value of protected Islamic mutual fund (Y). The result of this research shows that partially, the inflation affect Net Asset Value of Protected Islamic Mutual Fund from 2014-2018 in Indonesia insignificantly, currency exchange rate affect Net Asset Value of Protected Islamic Mutual Fund from 2014-2018 in Indonesia significantly, and interest rate affect Net Asset Value of Protected Islamic Mutual Fund from 2014-2018 in Indonesia significantly. Simultaneously, all independent variables affect Net Asset Value of Protected Islamic Mutual Fund from 2014-2018 in Indonesia significantly.Keywords: Macroeconomic, Inflation, InterestRate, Currency Exchange Rate, Net Asset Value, Protected Islamic Mutual FundREFFERENCESAchsien, Iggi H. 2000. Investasi Syariah di Pasar Modal, Menggagas konsep dan Praktek portofolio Syariah. Jakarta: Gramedia Pustaka Utama.Anshori, Muslich, Sri Iswati. 2009. Metode Penelitian Kuantitatif. Cetakan Pertama. Surabaya: Universitas Airlangga press.Farid, Muhammad. 2014. Mekanisme dan Perkembangan Reksadana Syariah.Iqtishoduna Vol. 4 No. 1. Hlm. 61-72.Karl, E. Case, dan Fair, C. Rai. 2001. Prinsip-Prinsip Ekonomi Makro. Jakarta: Prenhalindo.Mankiw, Gregory. 2006. Pengantar Ekonomi Makro. Edisi Ketiga. Jakarta: Salemba Empat.Nandari, Herlina Utami Dwi Ratna Ayu. 20017. Pengaruh Inflasi, Kurs dan BI Rate Terhadap Nilai Aktiva Bersih (NAB) Reksadana  Syariah di Indonesia (Periode 2010-2016).An-Nisba Vol. 04 No. 01. Hlm. 52-73.Pilbeam, Keith. 2006. International Finance.3rd Edition. New York.Prasetyo, Bambang dan Lina MiftahulJannah. 2012. Metode Penelitian Kuantitatif. Jakarta: PT. Raja Grafindo Persada.Rahmawati, Yuke. 2009. Resolusi Investasi Keuangan Syariah. Jurnal Al-Iqtishad Vol. 1 No. 1. Hlm. 65-78.Rudiyanto. 2011. Reksa Dana untuk Pemula. Jakarta: Elex media KomputindoSudarsono, Heri. 2007. Bank dan Lembaga Keuangan Syariah (Deskripsi dan Ilustrasi). Edisi Kedua. Yogyakarta: Ekonisia.Sugiyono. 2011. Metode Penelitian Kuantitatif, Kualitatif dan R&D. Edisi Kedua Belas. Bandung: Alfabeta.Suharyadi dan Purwanto, S. K. 2004. Statistika Dasar. Jakarta: Salemba Empat.Sukirno, Sadono. 2002. Pengantar Teori Makro Ekonomi. Edisi Kedua. Jakarta: PT Raja Grafindo Persada.Sukirno, Sadono. 2006. Makro Ekonomi Teori Pengantar. Edisi Ketiga. Jakarta: PT Raja Grafindo Persada.Susanto, Burhanuddin. 2008. Hukum Perbankan Syariah di Indonesia. UII Press. Yogyakarta.Zakariya, Mukhamad. 2017. Pertumbuhan Lembaga ReksadanaSyariah di Indonesia. JES Vol. 1 No. 2. Hlm.276-285.

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