cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
-
Contact Email
-
Phone
-
Journal Mail Official
-
Editorial Address
-
Location
Kota surabaya,
Jawa timur
INDONESIA
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
 88   89   90   91   92 
IMPLEMENTASI KOMPONEN MAQASHID SYARIAH TERHADAP KESEJAHTERAAN PADA KARYAWAN YAYASAN NURUL HAYAT SURABAYA Novita Andriana; Ari Prasetyo
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/vol6iss20193pp428-445

Abstract

The purpose of this research is to determine the welfare of employees at the Nurul Hayat Foundation, which is viewed from the perspective of the maqashid sharia, which is about religion, soul, intelligence, generation, and wealth. The research method used is a case study with a descriptive qualitative approach. Qualitative descriptive is researching a group of people, an object, a condition, or something in the present. The purpose of this descriptive research is to make an accurate description of the facts, traits and relationships between events that occur in real life. This study uses the interview process in primary data collection. The interview process was conducted with 7 employees of the Nurul Hayat Foundation. The results of this research are the Nurul Hayat Foundation as a sharia institution that always prioritizes religious values. Nurul Hayat Institution is the welfare of its employees by implementing policies for its employees. Through these policies all employees feel prosperous and fulfilled their needs as measured by the five indicators of maqashid sharia, namely maintaining religion, maintaining the soul, maintaining intelligence, maintaining generation, and maintaining wealth.Keywords: Employment, Employee Welfare, Islamic Welfare, Maqashid ShariaREFERENCES Al-Qur’an Tafsir dan Terjemahannya. 1978. Bandung: Firma Sumatra Bandung Lembaga Penterjemah dan Tafsir Al-Qur’an.Ahmed Raja Ahmed Haj Ali, Kamaruzaman Bin Noordin,  and Meguellati Achour. 2018. The Islamic Approach of Obligations in Mutual Relations between Employee and Employer. International Journal of Ethics and Systems, Vol. 34 Issue: 3, pp.338-351.Duhriah. 2015. Tingkatan-tingkatan Maqashid Al-Syariah: al-Dharruriyyat, al-Hajiyyat dan al-Tahsiniyyat. Jurnal Vol. 01 No. 1 Januari-Juni 2015. Fauzia, Ika Yunia dan Abdul Kadir Riyadi: 2014. Prinsip Dasar Ekonomi Islam Perspektif Maqashid Al-Syariah. Jakarta: Kencana.Hidayat, Muhammad. 2010. An Introduction to The Sharia Economic. Jakarta: Zikrul Hakim. Kementrian Agama Republik Indonesia. 2017. Listiawati, 2012. Prinsip Dasar Ekonomi Islam. Palembang: Rafah Press.Mursi, Abdul Hamid. 1997. Sumber Daya Manusia yang Produktif Pendekatan Al-Qur’an dan Sains. Jakarta: Gema Insani Press.Pusat Pengkajian dan Pengembangan Ekonomi Islam (P3EI). 2008. Ekonomi Islam. Jakarta: PT. Raja GrafindoWibowo, Arif. 2012. Maqashid Asy Syariah: The Ultimate Objective of Syariah. Islamic Finance.Yin, Robert K. 2009. Studi Kasus: Desain dan Metode. Jakarta: Raja Grafindo Persada.Zadjuli, Suroso Imam. 2008. Prinsip-prinsip Ekonomi Islam. Surabaya: Fakultas Ekonomi Universitas Airlangga.
THE DETERMINANTS OF THE PROFIT-SHARING LEVEL OF MUDHARABAH DEPOSIT IN SHARIA COMMERCIAL BANKS IN INDONESIA Cindra Fitrianingsih; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 9 (2020): September-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20209pp1714-1730

Abstract

ABSTRAKPenelitian ini menggunakan metode kuantitatif untuk mengetahui hubungan antara variabel dependen dan independen dan menguji hipotesis penelitian. Data yang digunakan dalam penelitian adalah data sekunderr berupa laporan keuangan triwulan dari situs web resmi masing-masing bank, Bank Indonesia, Otoritas Jasa Keuangan (OJK). Populasi dalam penelitian ini adalah semua Bank Umum Syariah yang terdaftar di Bank Indonesia periode 2013-2020. Penelitian ini menggunakan teknik purposive sampling dalam menentukan sampel penelitian, sehingga diperoleh sampel 7 Bank Umum Syariah tahun 2013-2020. Teknik analisis yang digunakan adalah regresi data panel. Hasil dari penelitian ini menunjukkan bahwa ROA, CAR, Bank Size, BI-Rate, GDP, dan Inflasi secara simultan berpengaruh terhadap tingkat bagi hasil deposito mudharabah. Secara parsial, ROA dan Inflasi tidak berpengaruh signifikan terhadap tingkat bagi hasil deposito, CAR dan Bank Size berpengaruh negatif signifikan terhadap tingkat bagi hasil deposito, BI-Rate dan GDP berpengaruh positif signifikan terhadap bagi hasil deposito mudharabah Bank Umum Syariah di Indonesia.Kata Kunci: Tingkat Bagi Hasil Deposito, Return on Asset, Capital Adequacy Ratio, Bank Size, BI-Rate, Gross Domestic Product, Inflasi ABSTRACTThis study used quantitative methods to determine the relationship between dependent and independent variables and test the hypothesis. The data utilized in this research were secondary data from the official websites of each bank, Bank Indonesia, The Financial Services Authority (OJK), The population in this study are all Sharia Commercial Banks that registered at Bank Indonesia for the period 2013-2020. This study used a purposive sampling technique in determined the research sample so that a sample of 7 Sharia Commercial Bank samples in 2013-2020. The analysis technique used panel data regression, The results of this study show that ROA, CAR, Bank Size, BI-Rate, GDP, and simultaneously inflation affect the profit-sharing rate of mudharabah deposits. Partially, ROA and inflation did not significantly influence the level of profit-sharing of deposits, CAR, and Bank Size had a significant negative impact on the level of profit-sharing of deposits, the BI-Rate and GDP had a significant positive effect on the profit-sharing of mudharabah deposits of Islamic Banks in Indonesia.Keywords: Deposit Profit-sharing Rate, Return on Asset, Capital Adequacy Ratio, Bank Size, BI-Rate, Gross Domestic Product, Inflation
VARIABEL EKONOMI MONETER YANG MEMPENGARUHI PERTUMBUHAN EKONOMI DAN FINANCIAL INCLUSION BANK SYARIAH DI INDONESIA PERIODE 2010-2017 Kholifatun Nahdliyah; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 7 (2019): Juli-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20197pp1395-1409

Abstract

This study aims to determine the effect of exchange rate and money supply on economic growth and financial inclusion in Bank Syariah Period 2010-2017. The sample used is saturated samples, ie all parts of Sharia Bank, including Sharia Commercial Bank and Sharia Business Unit which in the last year of 2017 amounted to 13 Sharia Commercial Banks and 21 Sharia Business Units, furthermore this research uses time series data analysis by analyzing data from year to year. The research approach used is quantitative approach using analysis technique PLS (Partial Least Square) with four latent variables namely exchange rate and money supply as exogenous variable, economic growth as endogen intervention variable, and financial inclusion as endogen variable. The results of this study indicate: the exchange rate has a significant negative effect on economic growth, the money supply has a significant positive effect on economic growth, economic growth has a significant positive effect on financial inclusion of Sharia Bank.Keywords: exchange rate, money supply, economic growth, and financial inclusionREFFERENCESAyunia, Pridayanti.2012. Pengaruh Ekspor, Impor, Dan Nilai Tukar Terhadap Pertumbuhan Ekonomi Di Indonesia Periode 2002-2012. Surabaya : Universitas Negeri Surabaya.Demirguc-Kunt Dan Leora Klapper. 2013 Measuring Financial Inclusion. Jel Codes: G2, G21, O16, World Bank.Departemen Agama RI. 2004. Al-Quran dan Terjemahnya. Bandung: CV Penerbit J-Art.Ergin Akalpler, Dilgash Duhok. 2017. Does Monetary Policy Affect Economic Growth: Evidence From Malaysia. Journal Of Economic And Administrative Sciences.Vol. 34 Issue: 1, Pp.2-20, Emerald Insight. Ghozali, Imam. 2014. Partial Least Squares: Konsep dan Aplikasi Path Modeling Menggunakan Program XLSTAT-PLS. Semarang: Badan Penerbit Universitas Diponegoro.Gulo, Angandrowa. 2008. Analisis Pengaruh Aspek Fiskal Dan Moneter Terhadap Pertumbuhan ekonomi Indonesia. Visi (2008) 16 (3) 595 – 611, Issn 0853 - 0203Karim, Adiwarman.2004. Bank Islam Analisis Fiqh Dan Keuangan. Jakarta: Raja Grafindo Persada.Santoso, Teguh,Dkk., 2009. Dampak  Kebijakan Fiskal Dan Moneter Dalam Perekonomian Indonesia: Aplikasi Model Mundell-Fleming. Jurnal Organisasi Dan Manajemen, Volume 5, Nomor 2, September 2009, 108-128.Shihab, M. Quraish. 2009. Tafsir Al-Mishab:Pesan, Kesan, dan Keserasian Al-Quran. Jakarta: Lentera Hati.Sudarsono, heri.2003. Bank dan lembaga keuangan syariah Deskripsi dan ilustrasi. Yogyakarta : Ekonisia.Tambunan, Sely Nory. 2015.  Pengaruh Jumlah Uang Beredar Dan Pengeluaran Pemerintah Terhadap Produk Domestik Bruto  (Pdb) Indonesia. Jom Fekon Volume 2 No. 1 Februari 2015Todaro, Michael P. 2006. Pembangunan Ekonomi di Dunia Ketiga. Jakarta: Erlangga.Widayatsari.2012. Ekonomi Moneter II. Pekanbaru:Cendika InsaniWiroso.2011. Produk Perbankan Syariah. Jakarta : Lppe Usaktiwww.Worldbank.Org, Diakses Tanggal 20 Novemberwww.Bps.Go.Id, Diakses Tanggal 20 November 2017. www.Bi.Go.Id, Diakses Tanggal 20 November 2017.
IMPLEMENTATION OF THE MARKETING MIX STRATEGY TO INCREASE THE NUMBER OF FUNDING AT BMT MADANI SEPANJANG Qanitah An Nabila A'yun; Fitri Nur Latifah; M Ruslianor Maika
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 6 (2021): November-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20216pp808-820

Abstract

ABSTRAKMasalah pada perekonomian mengakibatkan banyak spekulan nakal menjalankan aksinya, menjadikan lembaga keuangan mikro syariah harus mengulurkan tangannya dalam memberikan perhatian pada permasalahan tersebut. Baitul Maal Wat Tamwil sebagai lembaga keuangan mikro syariah turut andil dalam menyatukan masyarakat yang memiliki kelebihan dana dengan masyarakat yang membutuhkan dana. BMT Madani Sepanjang hadir membantu perekonomian masyarakat dengan menghimpun dana (funding) dari shahibul maal dalam rangka meningkatkan dananya untuk kepentingan masyarakat membutuhkan dana. Untuk mengetahui bagaimana BMT Madani Sepanjang meningkatkan jumlah fundingnya, penelitian ini berfokus pada penerapan strategi marketing mix upaya meningkatkan jumlah funding pada BMT Madani Sepanjang. Dalam peningkatan funding, BMT Madani Sepanjang menggunakan strategi marketing mix 4P. Metode penelitian yang digunakan adalah kualitatif deskriptif. Data yang didapatkan melalui observasi secara langsung, wawancara, dokumen, serta validasi data menggunakan triangulasi sumber, triangulasi teknik dan triangulasi waktu. Hasil dari penerapan strategi marketing mix upaya meningkatkan jumlah fundingnya, BMT Madani telah menerapkannya dengan baik, sehingga pada pertumbuhan jumlah fundingnya yang baik dapat banyak memberikan bantuan dalam kegiatan penyaluran dana kepada masyarakat yang kekurangan dana, agar tehindar dari spekulan nakal. Dalam hal ini diharapkan BMT Madani Sepanjang dapat terus meningkatkan kualitasnya terutama dalam kegiatan strategi promosinya, agar usahanya dapat terus berkembang dengan baik.Kata Kunci: Baitul Maal Wat Tamwil, Bauran Pemasaran, Penghimpunan Dana. ABSTRACTProblems in the economy resulted in many rogue speculators carrying out their actions, making Islamic microfinance institutions have to stretch their hands in paying attention to these problems. Baitul Maal Wat Tamwil as a sharia microfinance institution contributes to uniting people who have excess funds with people who need funds. BMT Madani Sepanjang is here to help the community's economy by raising funds (funding) from Shahibul Maal in order to increase its funds for the benefit of the community in need of funds. To find out how BMT Madani Sepanjang increases the amount of funding, this study focuses on implementing a marketing mix strategy in an effort to increase the amount of funding at BMT Madani Sepanjang. In increasing funding, BMT Madani Sepanjang uses a 4P marketing mix strategy. The research method used is descriptive qualitative. Data obtained through direct observation, interviews, documents, and data validation using source triangulation, technical triangulation and time triangulation. As a result of the implementation of the marketing mix strategy in an effort to increase the amount of funding, BMT Madani Sepanjang has implemented it well, so that a good growth in the amount of funding can provide a lot of assistance, in channeling funds to people who lack funds, so as to avoid rogue speculators. In this case, it is hoped that BMT Madani Sepanjang can continue to improve its quality, especially in its promotional strategy activities, so that its business can continue to develop well.Keywords: Baitul Maal Wat Tamwil, Marketing Mix, Funding. DAFTAR PUSTAKAAnisa, I. N., & Oktafia, R. (2021). Penerapan strategi marketing mix dalam meningkatkan jumlah funding dan lending di BMT Harapan Ummat Sidoarjo. 4(1), 113–126. DOI: https://doi.org/10.25299/jtb.2021.vol4(1).6597Desy D. S. N., M. R. M. (2020). Strategi bauran pemasaran 4P dalam menentukan sumber modal usaha syariah pedagang pasar di Sidoarjo, 6(3).Kementerian Agama RI. (2020). Al-Qur’an Surat Al-Baqarah ayat 278. Jakarta: Kemenag RI.Laita, A., & Renny, M. (2020). Strategi optimalisasi penghimpunan dana nasabah bagi perkuatan permodalan di BMT Mawaddah Kantor Cabang Pandaan Pasuruan. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Islam, 5(2), 171–182.Latifah, F. N., Maika, M. R., & Ariyanti, N. (2019). PKM Geo UMKM Desa Kenongo. Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat, 3(3), 259–266.Lisdawami, I. M. (2017). Pengembangan produk funding KSPPS BMT Amanah Ummah Jawa Timur. Jurnal Ekonomi Syariah Teori Dan Terapan, 4(11), 889–901.Marcelina, J., & Tantra, B. (2016). Pengaruh marketing mix (7P) terhadap keputusan pembelian pada guest house di Surabaya. Jurnal Hospitality dan Manajemen Jasa, 5(2), 1–16.Mardani. (2015). Aspek hukum lembaga BMT. Surabaya: Prenadamedia Grup.Moleong, L. J. (2014). Metodologi penelitian kualitatif edisi revisi. Bandung: Rosda.Muawanah. (2019). Peran BMT Global Madani Indonesia dalam penanaman nilai entrepreneur mahasiswa ES (Ekonomi Syariah) Institut KH. Adul Halim Pacet Mojokerto. AL-‘ADALAH: Jurnal Syariah Dan Hukum Islam, 4(1), 86–97.Nugrahani, F. (2014). Metode penelitian kualitatif dalam penelitian pendidian bahasa. Solo: Cakra Book.Pandia, & Frianto. (2012). Manajemen dana dan kesehatan bank. Jakarta: Rineka Cipta.Samsuri, A. (2017). Marketing mix sebagai strategi meningkatkan jumlah nasabah pada perbankan syari’ah. 1(1). DOI: https://doi.org/10.30762/wadiah.v1i1.1274Selang, C. A. (2013). Bauran pemasaran (Marketing Mix) pengaruhnya terhadap loyalitas konsumen pada Fresh Mart Bahu Mall Manado. 1(3), 71–80.Shidiq, U., & Choiri, M. (2019). Metode penelitian kualitatif di bidang pendidikan. Ponorogo: CV. Nata Karya.Tyas., & Mega, A. (2014). Pengaruh bauran pemasaran terhadap niat menjadi mitra perspektif Islam pada BMT Beringharjo Cabang Madiun. Jurnal Ekonomi Syariah Teori dan Terapan, 1(7), 487-505. DOI: http://dx.doi.org/10.20473/vol1iss20147pp487-505Yulia, & Dima. (2020). Faktor-faktor penyebab kurangnya minat masyarakat menabung di BMT Masyarakat Madani Sumatera Utara (Studi kasus masyarakat tembung pasar IX). Skripsi tidak dipublikasikan. Medan: Universitas Muhammadiyah Sumatera Utara.
THE EFFECT OF FINANCIAL INCLUSION INDICATOR, GDPPC, ICT, AND UNEMPLOYMENT ON HDI IN OIC COUNTRIES 2004-2018 Anastasya Firdauzi; Raditya Sukmana
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 10 (2020): Oktober-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss202010pp1977-1988

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengidentifikasi pengaruh dari financial inclusion indicator, GDPPC, ICT, dan unemployment terhadai HDI pada 55 negara OIC. Penelitian ini menggunakan data statistik dari World Bank, IMF, dan UNDP dengan pendekatan kuantitaif dan dianalisis menggunakan panel data. Berdasarkan hasil regresi, semua variabel menunjukkan hasil yang positif signifikan berpengaruh secara simultan pada HDI pada 55 negara OIC. Financial inclusion indicator jumlah atm dan cabang bank berpengaruh secara positif signifikan, sedangkani jumlah akun deposan pada berpengaruh negatif namun tidak signifikan. GDPPC, ICT dan unemployment berpengaruh secara positif signifikan dalam kenaikan HDI pada 55 negara OIC pada tahun 2004-2018Kata Kunci: HDI, Financial Inclusion Indicator, GDPPC, ICT, Unemployment ABSTRACTThis study aims to identify the effects of financial inclusion indicators, GDPPC, ICT, and unemployment for HDI in 55 OIC countries. This study uses statistical data from the World Bank, IMF, and UNDP with a quantitative approach and is analyzed using panel data. Based on the regression results, all variables show a positive and significant effect simultaneously on HDI in 55 OIC countries. The financial inclusion indicator of the number of ATMs and bank branches has a significant positive effect, while the number of depositors' accounts has a negative but insignificant effect. GDPPC, ICT and unemployment had a significant positive effect on the increase in HDI in 55 OIC countries in 2004-2018.Keywords: HDI, Financial Inclusion Indicator, GDPPC, ICT, Unemployment
THE IMPLEMENTATION OF HAD KIFAYAH AT BAZNAS OF GRESIK REGENCY Maulidur Rohmah; Sunan Fanani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 12 (2020): Desember-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss202012pp2480-2493

Abstract

ABSTRAKPenelitian ini bertujuan untuk menguji secara empiris penerapan had kifayah di BAZNAS Kabupaten Gresik dalam menentukan kelayakan keluarga miskin. Fokus penelitian ini adalah menjelaskan pelaksanaan had kifayah dan menganalisis metode yang saat ini digunakan oleh BAZNAS Kabupaten Gresik dalam menentukan kelayakan keluarga miskin. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan metode studi kasus studi deskriptif mendalam dan investigasi terhadap suatu fenomena dalam konteks kehidupan nyata. Hasil penelitian menunjukkan bahwa pelaksanaan had kifayah di BAZNAS Kabupaten Gresik belum sepenuhnya terlaksana karena BAZNAS Kabupaten Gresik masih menerapkan metode Garis Kemiskinan dalam menentukan kelayakan keluarga miskin. Namun esensi had kifayah masih terkandung dalam metode yang digunakan BAZNAS Kabupaten Gresik saat ini.Kata Kunci: Had Kifayah, Distribusi Amal, Garis Kemiskinan ABSTRACTThis study aims to examine empirically the implementation of had kifayah in BAZNAS Gresik Regency in determining poor family properness. The focus of this research is to explain the implementation of had kifayah and analyze the methods currently used by BAZNAS in Gresik Regency in determining poor family properness. The approach used in this study is a qualitative approach with study cases method in-depth descriptive study and investigation of a phenomenon in a real-life context. The results indicate that the implementation of had kifayah at BAZNAS Gresik Regency had not been fully implemented because the BAZNAS of Gresik Regency still applied the Poverty Line method in determining poor family properness. However, the essence of had kifayah is still contained in the method used by BAZNAS Gresik Regency at this time.Keywords: Had Kifayah, Charity Distribution, Poverty Line
THE IMPACT OF PERCEIVED EASE OF USE ON ISLAMIC COMMERCIAL BANKS’ M-BANKING APPLICATIONS INTERVENED BY TRUST Ghozian Hakeem; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 6 (2021): November-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20216pp696-705

Abstract

ABSTRAKPenelitian ini bermaksud untuk mengetahui pengaruh variabel perceived ease of use terhadap behavioral intention dengan trust sebagai variabel intervening pada penggunaan aplikasi m-banking bank umum syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan metode path analysis dan melibatkan 50 responden yang merupakan nasabah salah satu bank umum syariah sekaligus pengguna aplikasi m-banking bank yang bersangkutan dengan metode purposive sampling secara online, serta menggunakan metode analisis jalur dengan program AMOS untuk mengolah data. Hasil penelitian menunjukkan bahwa perceived ease of use dan trust berpengaruh signifikan terhadap behavioral intention, demikian juga perceived ease of use terhadap trust. Penelitian ini juga berimplikasi pada ilmu pemasaran Islam, yaitu mengenai niat perilaku konsumen yang akan berefek pada penggunaan aplikasi m-banking bank umum syariah saat ini dan di masa mendatang, seperti perekomendasian aplikasi tersebut ke orang lain. Maka dari itu, bank umum syariah diharapkan dapat meningkatkan kualitas fitur yang terdapat di aplikasi m-banking, mempromosikan secara gencar kemudahan dan manfaat yang akan didapat dari penggunaan aplikasi m-banking agar nasabah tertarik untuk menggunakannya, serta menyederhanakan baik tampilan dan cara penggunaan, sehingga aplikasi tersebut bisa digunakan dengan mudah oleh berbagai kalangan.Kata Kunci: Perceived ease of use, trust, behavioral intention, aplikasi m-banking. ABSTRACTThe intention of this study is to discover perceived ease of use’s impact on behavioral intention with trust as the intervening variable in the usage of Islamic commercial banks’ m-banking applications. This research uses a quantitative approach with path analysis method and involves 50 participants who are customers of one of Islamic commercial banks as well as users of m-banking application of the bank concerned with online purposive sampling method. It also uses path analysis method by using AMOS program to analyze the data. The result of this study indicates both perceived ease of use and trust significantly affect behavioral intention, and so is perceived ease of use to trust. This study also implies to Islamic marketing, which refers to consumers’ behavior that will affect the current and future usage of Islamic comercial banks’ m-banking applications, such as recommending it to other people. Therefore, Islamic commercial banks are expected to improve their applications’ features, promote its convenience and benefits vigorously to attract customers to use it, and simplify both its appearance and usage method, so it can be used by anyone easily.Keyword: Perceived ease of use, trust, behavioral intention, m-banking application. DAFTAR PUSTAKAAlrawashdeh, T. A., Elbes, M. W., Almonani, A., & ElQirem, F. T. A. (2019). User acceptance model of open source software: An integrated model of OSS characteristics and UTAUT. Journal of Ambient Intelligence and Humanized Computing, 11, 3315-3327.Botsman, R., & Rogers, R. (2010). Beyond zipcar: Collaborative consumption. Harvard Business Review, 88(10), 30.Chinomona, R. (2013). The influence of perceived ease of use and perceived usefulness on trust and intention to use mobile social software. African Journal for Physical, Health Information, Recreation and Dance, 19(2). 258-273.CNN Indonesia. (2021). 180 juta umat muslim baru 30 juta jadi nasabah bank syariah. Diakses dari https://www.cnnindonesia.com/ekonomi/20210210164446-78-604821/180-juta-umat-muslim-baru-30-juta-jadi-nasabah-bank-syariah.CNN Indonesia. (2021). Penjual 91 juta data Tokopedia beraksi lagi sasar kreditplus. Diakses dari  https://www.cnnindonesia.com/teknologi/20200804102505-185-531879/penjual-91-juta-data-tokopedia-beraksi-lagi-sasar-kreditplusDavis, F. D. (1989). Perceived usefulness, perceived ease of use and user acceptance of information technology. MIS Quarterly, 13(3). 319-340. https://doi.org/10.2307/249008Dewan Perwakilan Rakyat Republik Indonesia. (1945). https://www.dpr.go.id/jdih/uu1945. 25 Januari 2021.Fishbein, M., & Ajzen, I. (1975). Believe, attitude, intention and behavior: An introduction to theory and research. Massachusets: Addison-Westlyn.Global Religious Futures. (2020). Diakses dari http://www.globalreligiousfutures.org/religions/muslimsHassan, H. E., & Wood, V. R. (2020). Does country culture influence consumers’ perceptions toward mobile banking? A comparison between Egypt and the United States. Telematics and Informatics, 46(101312), 1-14. https://doi.org/10.1016/j.tele.2019.101312Infobanknews.com. (2021). Transaksi digital banking mandiri Syariah meningkat dimasa pandemic. Diakses https://infobanknews.com/topnews/transaksi-digital-banking-mandiri-syariah-meningkat-dimasa-pandemiJaiyeoba, O. O., & Iloanya, J. (2019). E-learning in tertiary institutions in botswana: apathy to adoption. The International Journal of Information and Learning Technology, 36(2), 157-168.Jogiyanto. (2007). Sistem informasi keperilakuan. Yogyakarta: Andi.Kang, J. –W., & Namkung, Y. (2019). The role of personalization on continuance intention in food service mobile apps: a privacy calculus perspective. International Journal of Contemporary Hospitality Management. 31(2). 734-752. https://doi.org/10.1108/IJCHM-12-2017-0783Kasiram, M. (2008). Metode penelitian kuantitatif-kualitatif. Malang: UIN Malang Press.Kaur, S., & Arora, S. (2020). Role of perceived risk in online banking and its impact on behavioral intention: Trust as a moderator. Journal of Asia Business Studies, 15(1), 1-30. https://doi.org/10.1108/JABS-08-2019-0252.Kementerian Agama Republik Indonesia. (2020). Al-Qur’an surat al-anfal. Diakses dari https://quran.kemenag.go.id/sura/8Kementerian Agama Republik Indonesia. (2020). Al-Qur’an surat al-anfal. Diakses dari https://quran.kemenag.go.id/sura/108Li, Q. (2020). Healthcare at your fingertips: The acceptance and adoption of mobile medical treatment services among chinese users. International Journal of Environmental Research and Public Health, 17(6895). 1-21. DOI: 10.3390/ijerph17186895Meeprom, S., & Silanoi, T. (2020). Investigating the perceived quality of a special event and its influence on perceived value and behavioural intentions in a special event in Thailand. International Journal of Event and Festival Management, 11(3), 337-355. https://doi.org/10.1108/IJEFM-09-2019-0043Mostafa, R. B. (2020). Mobile banking service quality: a new avenue for customer value co-creation. International Journal of Bank Marketing, 38(5), 1107-1132. https://doi.org/10.1108/IJBM-11-2019-0421Namahoot, K. S., & Laohavichien, T. (2018). Assessing the intentions to use internet banking: the role of perceived risk and trust as mediating factors. International Journal of Bank Marketing, 36(2), 256-276. https://doi.org/10.1108/IJBM-11-2016-0159Oentario, Y., Harianto, A., & Irawati, J. (2017). Pengaruh usefulness, ease of use, risk terhadap intention to buy onlinepatisserie melalui consumer attitude berbasis media sosial di Surabaya. Jurnal Manajemen Pemasaran, 11(1), 26-31. https://doi.org/10.9744/pemasaran.11.1.26-31Polykalas, S. E., & Prezerakos, G. N. (2019). When the mobile app is free, the product is your personal data. Digital Policy, Regulation and Governance, 21(2), 89-101. https://doi.org/10.1108/DPRG-11-2018-0068Ratnasari, R. T., Gunawan, S., Mawardi, I., & Kirana, K. C. (2020b). Emotional experience on behavioral intention for halal tourism. Journal of Islamic Marketing, 12(4), 864-881. https://doi.org/10.1108/JIMA-12-2019-0256.Ratnasari, R. T., Gunawan, S., Septiarini, D. F., Rusmita, S. A., & Kirana, K. C. (2020a). Customer satisfaction between perceptions of environment destination brand and behavioural intention. International Journal of Creativity and Change, 10(12). 472-487.Republika. (2021). Luncurkan msyariah mega Syariah targetkan 1 juta transaksi. Diakses dari  https://www.republika.co.id/berita/qrg9e3370/luncurkan-msyariah-mega-syariah-targetkan-1-juta-transaksiRizan, M., Haro, A., & Rahmadina, B. (2019). Pengaruh perceived ease of use dan service quality terhadap customer satisfaction dengan trust sebagai intervening (Studi kasus pada pengguna Grab di wilayah Jakarta). Jurnal Riset Manajemen Sains Indonesia (JRMSI), 10(2), 337-355.Sahoo, D., & Pillai, S. S. (2017). Role of mobile banking servicescape on customer attitude and engagement. International Journal of Bank Marketing, 35(7), 1115-1132. https://doi.org/10.1108/IJBM-09-2015-0144Saleem, H., Li, Y., Ali, Z., Ayyoub, M., Wang, Y., & Mehreen, A. (2020). Big data use an its outcomes in supply chain context: the roles of information sharing and technological innovation. Journal of Enterprise Information Management, 34(4), 1121-1143, https://doi.org/10.1108/JEIM-03-2020-0119Sedianingsih, Ratnasari, R. T., Prasetyo, A., & Hendarjanto. (2019). Antecedents of recommendation and repurchase intention on medical tourism. Revista de Ciencias Humanas y Sociales, 35(23), 1277-1300.Shao, Z., Zhang, L., Li, X., & Guo, Y. (2019). Antecedents of trust and continuance intention in mobile payment platforms: the moderating effect of gender. Electronic Commerce Research and Applications, 33(January–February 2019). https://doi.org/10.1016/j.elerap.2018.100823Sharianews.com. (2021). Pengguna BCA Syariah mobile meningkat 50 persen. Diakses dari  https://sharianews.com/posts/pengguna-bca-syariah-mobile-meningkat-50-persenSokol, M. (1994). Adaptation to difficult designs: facilitating use of new technologies. Journal of Business dan Psychology, 8(3), 277-296.Thusi, P., & Maduku D. K. (2020). South African millenials’ acceptance and use of retail mobile banking apps: an integrated perspective. Computers in Human Behavior, 111(October 2020), 1-10. https://doi.org/10.1016/j.chb.2020.106405Wu, J., Zeng, M., & Xie, K. L. (2017). Chinese travelers’ behavioral intentions toward room-sharing platforms: the influence of motivations, perceived trust and past experience. International Journal of Contemporary Hospitality Management, 29(10). 2688-2707. https://doi.org/10.1108/IJCHM-08-2016-0481
ANALYSIS OF FACTORS THAT AFFECT THE TIMELINESS OF FINANCIAL REPORTING IN MANUFACTURING COMPANIES LISTED IN INDONESIA SHARIA STOCK INDEX (ISSI) Fithrotin Azizah Rahmah; Imron Mawardi
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/vol8iss20215pp582-592

Abstract

ABSTRAKKetepatan waktu publikasi laporan keuangan merupakan faktor penting dalam memengaruhi kegunaan informasi yang dibutuhkan untuk para pengambil keputusan. Studi ini dimaksudkan untuk menganalisa faktor-faktor yang mampu memengaruhi ketepatan waktu pelaporan laporan keuangan tahunan yang terdaftar dalam Index Saham Syariah Indonesia (ISSI) 2015-2019. Pengambilan sampel sebanyak 75 perusahaan mempergunakan teknik purposive sampling dan metode analisis data regresi logistik. Hasil analisis menyimpulkan adanya hubungan positif signifikan antara variabel profitabillitas, leverage serta ukuran perusahaan terhadap ketepatan waktu pelaporan keuangan. Hubungan yang positif menunjukkan tingginya laba, leverage serta besarnya aset perusahaan mampu mendorong perusahaan agar mempublikasikan laporan keuangan secara tepat waktu. Namun, terdapat pula hasil yang mencerminkan tidak adanya hubungan signifikan antar kepemilikan publik serta umur perusahaan dengan ketepatwaktuan pelaporan keuangan.Kata Kunci: Ketepatan Waktu, ISSI, Pelaporan Keuangan, Analisis Regresi Logistik. ABSTRACTThe timeliness of financial reporting is considered to be an important factor to affects the usefulness of information that is required to a decision maker. This study examines the factors that can affects the timeliness of financial reporting listed in the Indonesia Sharia Stock Index (ISSI) 2015-2019. Sampling was obtained as many as 75 companies using purposive sampling technique and logistic regression data analysis methods. The results showed that there is a significantly positive relationship between the profitability, leverage and company size with the timeliness of financial reporting. This positively proven that the high profit or leverage and the size of the company’s assets can encourage the companies to be timely in reporting the financial reports. However, it is also found that public ownership and company age do not significantly towards the timeliness of financial reporting.Keywords: Timeliness, ISSI, Financial Reporting, Logistic Regression Analysis.DAFTAR PUSTAKAAlDaoud, K. A., Ku-Ismail, K. N. I., & Lode, N. A. (2014). The timeliness of financial reporting among Jordanian companies: Do company and board characteristics and audit opinion matter?. Asian Social Science,10(3),191-201.Alkhatib, K., & Marji, Q. (2012). Audit reports timeliness: Empirical evidence from Jordan. Procedia Social and Behavioral Sciences, 62. 1342-1349.Brigham., & Houston. (2010). Dasar-dasar manajemen keuangan. Jakarta: Salemba Empat.Bursa Efek Indonesia. (2004). Keputusan Direksi PT Bursa Efek Indonesia Nomor KEP-306/BEJ/07/2004 tentang kewajiban penyampaian informasi laporana keuangan tahunan.______. (2004). Keputusan Direksi PT Bursa Efek Indonesia Nomor KEP-307/BEJ/07/2004 Tentang sanksi.Efobi, U., & Okougbo, P. (2014). Timeliness of financial reporting in Nigeria. SA Journal of Accounting Research, 28(1), 65-77.Ghozali, I. (2005). Aplikasi analisis multivariat dengan program SPSS. Semarang: Badan Penerbit Universitas Diponegoro.Ghozali, I. (2013). Aplikasi analisis multivariate dengan program IBM SPSS 21 update PLS regresi. Semarang: Badan Penerbit Universitas Diponegoro.Hashim, F., Hashim, F., Jambari A. R. (2013). Relationship between corporate attributes and timeliness in corporate reporting: Malaysian evidence. Jurnal Teknologi, 64(2), 115-119.Ikatan Akuntansi Indonesia. (2017). PSAK No. 1 tentang laporan keuangan– edisi revisi 2017. Jakarta: PT. Raja GrafindoIyoha, F. O. (2012). Company attributes and the timeliness of financial reporting in Nigeria. Business Intelligence Journal, 5(1), 41-49.Kamalluarifin, W. F. S. W. (2016). The influence of corporate governance and firm characteristics on the timeliness of corporate internet reporting by top 95 companies in Malaysia. Procedia Economics and Finance 35, 156-165.Kasmir. (2013). Analisis laporan keuangan. Jakarta: Rajawali Pers.Kasmir. (2014). Analisis laporan keuangan. Jakarta: PT. Raja Grafindo Persada.Kuswanto, H., & Manaf, S. (2015). Faktor-faktor yang mempengaruhi ketepatan waktu penyampaian laporan keuangan ke publik (Studi empiris pada perusahaan manufaktur yang terdaftar di bursa efek Indonesia periode 2010-2013). Jurnal Ekonomi Manajemen Akuntansi, 22(38).Romney, M. B., & Steinbart, P. J. (2014). Accounting information systems. New York: Prentice Hall.Peraturan Ketua Bapepam Nomor KEP-346/BL/2011 No. X.K.2. Tentang Penyampaian Laporan Keuangan Berkala Emiten Atau Perusahaan Publik.Putra, I. G. A. P., & Pramantha, I. W. (2015). Pengaruh profitabilitas, umur perusahaan, kepemilikan institusional, komisaris independen, dan komite audit pada ketepatwaktuan publikasi laporan keuangan tahunan. E-Jurnal Akuntansi Universitas Udayana, 10(1), 199-213.Rahmawati, E. (2018). Information content and determinants of timeliness financial reporting: Evidence from an emerging market. Academy of Accounting and Financial Studies Journal, 22(4).Rohmat. (2015). Nilai-nilai moral kewirausahaan membangun bangsa berkarakter. Gresik: Gerbang Media.Saleh, R. (2004). Studi empiris ketepatan waktu pelaporan keuangan perusahaan manufaktur di bursa efek Jakarta. Simposium Nasional Akuntansi (SNA) VII Denpasar.Sanjaya, I. M. D. M., & Wirawati, N. G. P. (2016). Analisis faktor-faktor yang mempengaruhi ketepatan waktu pelaporan keuangan pada perusahaan manufaktur yang terdaftar di BEI. E-Jurnal Akuntansi, 15(1), 17-26.Sari, L. K., & Ifada, L. (2010). Studi empiris ketepatan waktu pelaporan keuangan perusahaan manufaktur di bursa efek Jakarta. Jurnal Ekonomi dan Bisnis, 11(1).Savitri, E., Andreas, A., Surya, R. A. S. (2019). Influencing Factors: The Timeliness of Financial Reporting Submissions. Business and Management Studies, 5(1).Surat Edaran Otoritas Jasa Keuangan Nomor S-92/D-04/2020 tentang relaksasi atas kewajiban penyampaian laporan keuangan dan RUPSTyler, T. R. (1989). The psychology of procedural justice: A test of the Group Value Model. Journal of Personality and Social Psychology, 57, 830-838.Undang-Undang Republik Indonesia Nomor 8 Tahun 1995 tentang pasar modal.Wulandari, G. H. (2018). Factors that influence the timeliness of publication of financial statements on banking in Indonesia. Technobiz: International Journal of Business, 1(1), 16-18.
PEER-TO-PEER LENDING SYSTEM IN HIFDUN MAAL PERSPECTIVE: EVIDENCE FROM THE FINTECH COMPANY OF INVESTREE Anisa Fadilah Zustika; Ana Toni Roby Candra Yudha
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/vol7iss20208pp1584-1597

Abstract

The technology-based financial management system or so-called financial technology (fintech) has become a trend in the millennial era, both with sharia or conventional labels. This study aims to determine and examine the operational mechanisms and implications of the application of the peer to peer lending system, which is used as a transaction method both in funding and financing. The approach used is qualitative, an approach that prioritizes the subjectivity aspects of researchers and informants. The informants of this study are experts from several stakeholders such as the MUI of East Java, Masyarakat Ekonomi Syariah (MES) branch of Semarang, and 2 sharia fintech business owners and practitioners in East Java. The study results obtained are fintech based on a peer to peer lending system (P2PL) in the perspective of hifdzu mal (Investree company case study) is an online loan transaction that is consistent with the theory of hifdzu maal. The suitability of the transaction with hifdul maal, because each agreement is clear and in accordance with sharia provisions such as fair, mutually committed, and protect ownership. Suggestions from this study are the need for the addition of sharia supervisory board (DPS) for fintech, collaboration with universities in business development so that literacy and inclusion of fintech can be more extensive and developed.Keywords: fintech, peer to peer lending (P2PL), protection of wealth
Journal Cover Vol 8, No 6 (2021) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 6 (2021): November-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20216pp%p

Abstract

Page 90 of 116 | Total Record : 1152

 88   89   90   91   92 

Filter by Year

2014 2025


Reset
Filter By Issues
All Issue Vol. 12 No. 4 (2025): November-2025 Vol. 12 No. 3 (2025): Agustus-2025 Vol. 12 No. 2 (2025): Mei-2025 Vol. 12 No. 1 (2025): Februari-2025 Vol. 11 No. 4 (2024): November-2024 Vol. 11 No. 3 (2024): Agustus-2024 Vol. 11 No. 2 (2024): Mei-2024 Vol. 11 No. 1 (2024): Februari-2024 Vol. 10 No. 6 (2023): November-2023 Vol. 10 No. 5 (2023): September-2023 Vol. 10 No. 4 (2023): Juli-2023 Vol. 10 No. 3 (2023): Mei-2023 Vol. 10 No. 2 (2023): Maret-2023 Vol. 10 No. 1 (2023): Januari-2023 Vol. 9 No. 6 (2022): November-2022 Vol. 9 No. 5 (2022): September-2022 Vol. 9 No. 4 (2022): Juli-2022 Vol. 9 No. 3 (2022): Mei-2022 Vol. 9 No. 2 (2022): Maret-2022 Vol. 9 No. 1 (2022): Januari-2022 Vol. 8 No. 6 (2021): November-2021 Vol. 8 No. 5 (2021): September-2021 Vol. 8 No. 4 (2021): Juli-2021 Vol. 8 No. 3 (2021): Mei-2021 Vol. 8 No. 2 (2021): Maret-2021 Vol. 8 No. 1 (2021): Januari-2021 Vol. 7 No. 12 (2020): Desember-2020 Vol. 7 No. 11 (2020): November-2020 Vol. 7 No. 10 (2020): Oktober-2020 Vol. 7 No. 9 (2020): September-2020 Vol. 7 No. 8 (2020): Agustus-2020 Vol 7, No 7 (2020): Juli-2020 Vol. 7 No. 7 (2020): Juli-2020 Vol. 7 No. 6 (2020): Juni-2020 Vol. 7 No. 5 (2020): Mei-2020 Vol. 7 No. 4 (2020): April-2020 Vol. 7 No. 3 (2020): Maret-2020 Vol. 7 No. 2 (2020): Februari-2020 Vol. 7 No. 1 (2020): Januari-2020 Vol. 6 No. 12 (2019): Desember-2019 Vol. 6 No. 11 (2019): November-2019 Vol. 6 No. 10 (2019): Oktober-2019 Vol. 6 No. 9 (2019): September-2019 Vol. 6 No. 8 (2019): Agustus-2019 Vol. 6 No. 7 (2019): Juli-2019 Vol. 6 No. 6 (2019): Juni-2019 Vol. 6 No. 5 (2019): Mei-2019 Vol. 6 No. 4 (2019): April-2019 Vol. 6 No. 3 (2019): Maret-2019 Vol. 6 No. 2 (2019): Februari-2019 Vol. 6 No. 1 (2019): Januari-2019 Vol. 5 No. 12 (2018): Desember-2018 Vol. 5 No. 11 (2018): November-2018 Vol. 5 No. 10 (2018): Oktober-2018 Vol. 5 No. 9 (2018): September-2018 Vol. 5 No. 8 (2018): Agustus-2018 Vol. 5 No. 7 (2018): Juli-2018 Vol. 5 No. 6 (2018): Juni-2018 Vol. 5 No. 5 (2018): Mei-2018 Vol. 5 No. 4 (2018): April-2018 Vol. 5 No. 3 (2018): Maret-2018 Vol. 5 No. 2 (2018): Februari-2018 Vol. 5 No. 1 (2018): Januari-2018 Vol. 4 No. 12 (2017): Desember-2017 Vol. 4 No. 11 (2017): November-2017 Vol. 4 No. 10 (2017): Oktober-2017 Vol. 4 No. 9 (2017): September-2017 Vol. 4 No. 8 (2017): Agustus-2017 Vol. 4 No. 7 (2017): Juli-2017 Vol. 4 No. 6 (2017): Juni-2017 Vol. 4 No. 5 (2017): Mei-2017 Vol. 4 No. 4 (2017): April-2017 Vol. 4 No. 3 (2017): Maret-2017 Vol. 4 No. 2 (2017): Februari-2017 Vol. 4 No. 1 (2017): Januari-2017 Vol. 3 No. 12 (2016): Desember-2016 Vol. 3 No. 11 (2016): November-2016 Vol. 3 No. 10 (2016): Oktober-2016 Vol. 3 No. 9 (2016): September-2016 Vol. 3 No. 8 (2016): Agustus-2016 Vol. 3 No. 7 (2016): Juli-2016 Vol. 3 No. 6 (2016): Juni-2016 Vol. 3 No. 5 (2016): Mei-2016 Vol. 3 No. 4 (2016): April-2016 Vol. 3 No. 3 (2016): Maret-2016 Vol. 3 No. 2 (2016): Februari-2016 Vol. 3 No. 1 (2016): Januari-2016 Vol. 2 No. 12 (2015): Desember-2015 Vol 2, No 12 (2015): Desember-2015 Vol. 2 No. 11 (2015): November-2015 Vol 2, No 11 (2015): November-2015 Vol 2, No 10 (2015): Oktober-2015 Vol. 2 No. 10 (2015): Oktober-2015 Vol. 2 No. 9 (2015): September-2015 Vol 2, No 9 (2015): September-2015 Vol 2, No 8 (2015): Agustus-2015 Vol. 2 No. 8 (2015): Agustus-2015 Vol. 2 No. 7 (2015): Juli-2015 Vol 2, No 7 (2015): Juli-2015 Vol 2, No 6 (2015): Juni-2015 Vol. 2 No. 6 (2015): Juni-2015 Vol. 2 No. 5 (2015): Mei-2015 Vol 2, No 5 (2015): Mei-2015 Vol 2, No 4 (2015): April-2015 Vol. 2 No. 4 (2015): April-2015 Vol. 2 No. 3 (2015): Maret-2015 Vol 2, No 3 (2015): Maret-2015 Vol. 2 No. 2 (2015): Februari-2015 Vol 2, No 2 (2015): Februari-2015 Vol 2, No 1 (2015): Januari-2015 Vol. 2 No. 1 (2015): Januari-2015 Vol. 1 No. 12 (2014): Desember-2014 Vol 1, No 12 (2014): Desember-2014 Vol 1, No 11 (2014): November-2014 Vol. 1 No. 11 (2014): November-2014 Vol 1, No 10 (2014): Oktober-2014 Vol. 1 No. 10 (2014): Oktober-2014 Vol. 1 No. 9 (2014): September-2014 Vol 1, No 9 (2014): September-2014 Vol 1, No 8 (2014): Agustus-2014 Vol. 1 No. 8 (2014): Agustus-2014 Vol 1, No 7 (2014): Juli-2014 Vol. 1 No. 7 (2014): Juli-2014 Vol 1, No 6 (2014): Juni-2014 Vol. 1 No. 6 (2014): Juni-2014 Vol. 1 No. 5 (2014): Mei-2014 Vol 1, No 5 (2014): Mei-2014 Vol. 1 No. 4 (2014): April-2014 Vol 1, No 4 (2014): April-2014 Vol 1, No 3 (2014): Maret-2014 Vol. 1 No. 3 (2014): Maret-2014 Vol. 1 No. 2 (2014): Februari-2014 Vol 1, No 2 (2014): Februari-2014 Vol. 1 No. 1 (2014): Januari-2014 Vol 1, No 1 (2014): Januari-2014 More Issue