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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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Factors that Affecting Stocks Ownership on Islamic Household in Indonesia Sal Shabia Azura Trisysty; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp1-13

Abstract

ABSTRAK Lingkungan rumah tangga keluarga merupakan tempat pertama kali kita menghadapi persoalan ekonomi. Ketidakpastian ekonomi di satu sisi meningkatkan permintaan akan perencanaan keuangan. Penelitian ini akan berfokus pada mencari tahu faktor-faktor mikro keluarga muslim di Indonesia yang dapat mempengaruhi keputusan investasi khususnya saham. Penelitian ini menerapkan metode kuantitatif dengan instrumen data sekunder Indonesia Family Life Survey (IFLS) gelombang 5. Teknik analisis data yang digunakan adalah analisis regresi probit, teknik analisis yang dilakukan dalam regresi probit meliputi; uji kelayakan model, analisis koefisien determinasi (R2), dan uji hipotesis. Berdasarkan hasil penelitian ditemukan bahwa variabel variabel jumlah keluarga, pinjaman, usia, dan status pernikahan tidak berpengaruh secara signifikan terhadap probabilitas kepemilikan saham. Adapun variabel pendapatan, tingkat pendidikan, jenis kelamin dan financial worship memiliki hubungan positif dan signifikan terhadap probabilitas kepemilikan saham pada keluarga muslim di Indonesia. Diharapkan penelitian ini dapat bermanfaat bagi Otoritas Jasa Keuangan dan Bursa Efek Indonesia sebagai informasi tambahan dan bahan pertimbangan dalam pembenahan kebijakan mengenai peningkatan literasi manajemen keuangan keluarga dan kesejahteraan masyarakat di Indonesia. Kata Kunci: Kepemilikan Saham, Pendapatan, Tingkat Pendidikan, Jumlah Tanggungan Keluarga, Pinjaman, Usia, Jenis Kelamin, Status Pernikahan, Financial Worship.   ABSTRACT The family home environment is the first place we face economic problems. Economic uncertainty on the one hand increases the demand for financial planning. This study will focus on finding out the micro factors of Muslim families in Indonesia that can influence investment decisions, especially stocks. This study applies quantitative methods with secondary data instruments Indonesia Family Life Survey (IFLS) wave 5 The data analysis technique used is probit regression analysis, the analysis techniques carried out in probit regression include; model feasibility test, analysis of the coefficient of determination (R2), and hypothesis testing. Based on the results of the study, it was found that the variables of family size, loan, age, and marital status did not significantly influence the probability of stock ownership. The variables of income, education level, gender and financial worship have a positive and significant relationship to the probability of stock ownership in Muslim families in Indonesia. It is hoped that this research can be useful for the Otoritas Jasa Keuangan and the Bursa Efek Indonesia as additional information and consideration in reforming policies regarding increasing literacy in family financial management and community welfare in Indonesia. Keywords: Stock Ownership, Income, Education Level, Number of Dependents in the Family, Loans, Age, Gender, Marital Status, Financial Worship.   DAFTAR PUSTAKA Ahmed, H. (2016). Inclusive Islamic financial planning: A conceptual framework. International Journal of Islamic and Middle Eastern Finance and Management, 9(2), 170–180. https://doi.org/10.1108/mf.2008.00934jaa.001 Anshori, M., & Iswati, S. (2009). Metode penelitian kuantitatif, edisi 1. Surabaya: Airlangga University Press. Badan Pengembangan dan Pembinaan Bahasa Kemendikbud RI. (2016). Kamus Besar Bahasa Indonesia. Jakarta: Kemendikbud RI. Badan Pusat Statistik. (n.d.). Jumlah anggota rumah tangga. Retrieved from https://sirusa.bps.go.id/sirusa/index.php/variabel/8096 ______. (2010). Penduduk menurut wilayah dan agama yang dianut Indonesia. Retrieved from https://sp2010.bps.go.id/index.php/site/tabel?tid=321 Bogan, V. L. (2008). Stock market paticipation and the internet. Journal of Financial and Quantitative Analysis, 1(43), 191–221. ______. (2015). Household asset allocation, offspring education, and the sandwich generation. American Economic Review, 105(5), 611–615. https://doi.org/10.1257/aer.p20151115 Brounen, D., Koedijk, K. G., & Pownall, R. A. J. (2016). Household financial planning and savings behavior. Journal of International Money and Finance, 69, 95–107. https://doi.org/10.1016/j.jimonfin.2016.06.011 Brown, S., Ghosh, P., & Taylor, K. (2016). Household finances and social interaction: Bayesian analysis of household panel data. Review of Income and Wealth, 62(3), 467–488. https://doi.org/10.1111/roiw.12174 Bursa Efek Indonesia. (2020). Saham. Retrieved from https://www.idx.co.id/produk/saham/ Cardak, B. A., & Wilkins, R. (2009). The determinants of household risky asset holdings: Australian evidence on background risk and other factors. Journal of Banking and Finance, 33(5), 850–860. https://doi.org/10.1016/j.jbankfin.2008.09.021 Chang, C.-C., DeVaney, S. A., & Chiremba, C. (1999). Determinants of subjective and objective risk tolerance. Journal of Personal Finance, 3(3), 53–67. Chariri, A., & Ghozali, I. (2005). Teori akuntansi. Semarang: Universitas Diponegoro. CNN Indonesia. (2021). 180 juta umat muslim, baru 30 juta jadi nasabah bank syariah. Retrieved from https://www.cnnindonesia.com/ekonomi/20210210164446-78-604821/180-juta-umat-muslim-baru-30-juta-jadi-nasabah-bank-syariah Croson, R., & Gneezy, U. (2009). Gender differences in preferences. Journal of Economic Literature, 47(2), 448–474. DOI: 10.1257/jel.47.2.448 Eagly, A. H., Beall, A. E., & Sternberg, R. J. (2013). The psychology gender. USA: Washington State University. Feng, X., Lu, B., Song, X., & Ma, S. (2019). Financial literacy and household finances: A bayesian two-part latent variable modeling approach. Journal of Empirical Finance, 51, 119–137. https://doi.org/10.1016/j.jempfin.2019.02.002 Gao, M., & Fok, R. C. W. (2015). Demographics, family/social interaction, and household finance. Economics Letters, 136, 194–196. https://doi.org/10.1016/j.econlet.2015.09.027 Ghozie, P. (2013). Make it happen!. Jakarta: PT Gramedia Pustaka Utama. Gutter, M. S., & Fontes, A. (2006). Racial differences in risky asset ownership: A two-stage model of the investment decision-making process. Journal of Financial Counseling and Planning, 17(2), 64–78. Gutter, M. S., Fox, J. J., & Montalto, C. P. (1999). Racial differences in investor decision making. Financial Services Review, 8(3), 149–162. https://doi.org/10.1016/s1057-0810(99)00040-2 Halko, M., Kaustia, M., & Alanko, E. (2012). The gender effect in risky asset holdings. Journal of Economic Behavior and Organization, 83(1), 66–81. https://doi.org/10.1016/j.jebo.2011.06.011 Hilman, L. (2013). Agama dan pelayanan sosial: Interpretasi dan aksi filantropi dalam tradisi muslim dan kristen di Indonesia, 9(2), 174–189. Huda, N., Rini, N., Mardoni, Y., & Putra, P. (2012). The analysis of attitudes, subjective norms, and behavioral control on muzakki’s intention to pay zakah. International Journal of Business and Social Science, 3(22), 271–279. Ikatan Akuntansi Indonesia. (2010). Pernyataan standar akuntansi keuangan 23. Jakarta: IAI. ______. (2013). PSAK No. 1 penyajian laporan keuangan. Jakarta: IAI. Kementerian Agama RI. (2002). Al-Qur’an dan terjemahannya. Jakarta: Kemenag RI. Kieso, D. E., Weygandt, J. J., Warfield, T. D. (2012). Intermediate accounting, 14th edition. USA: Wiley. Mahkamah Konstitusi Republik Indonesia. (1974). Undang-Undang Republik Indonesia Nomor 1 Tahun 1974 tentang Perkawinan (Issue 2). Jakarta: MK RI. Mittra, S., Sahu, A. P., & Fischer, B. (2005). Practicing financial planning for professionals. USA: SAGE Publishing. Nadeau, R., Foucault, M., & Lewis-Beck, M. S. (2011). Assets and risk: A neglected dimension of economic voting. French Politics, 9(2), 97–119. https://doi.org/10.1057/fp.2011.5 Noerhidajati, S., Purwoko, A. B., Werdaningtyas, H., Kamil, A. I., & Dartanto, T. (2020). Household financial vulnerability in Indonesia: Measurement and determinants. Economic Modelling, 96(March), 433-444. https://doi.org/10.1016/j.econmod.2020.03.028 Otoritas Jasa Keuangan. (2019). Survei 2019 OJK: Indeks literasi dan inklusi keuangan meningkat. 1–6. Retrieved from https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-Survei-OJK-2019-Indeks-Literasi-Dan-Inklusi-Keuangan-Meningkat.aspx ______. (2021). Market update pasar modal syariah Indonesia. Retrieved from https://doi.org/10.1002/9781119196709.app1 Papalia, R. D. E., Olds, S. W., & Feldman, R. D. (2009). Human Development. New York: McGraw-Hill. Rashid, N. K. A., Nasir, A., Anang, Z., & Alipiah, R. M. (2018). Determinants of muslim household basic needs consumption expenditures. Jurnal Ekonomi Malaysia, 52(1), 309–323. https://doi.org/10.17576/jem-2018-5201-23 Suwardi, A. (2011). Modul stata: LPM, logit, dan probit model. Depok: Lab Komputasi Departemen Ilmu Ekonomi FEUI. Syahrial, M. (2011). Anakku maukah kau jadi pengusaha? Jakarta: Lentera Ilmu Cendekia. Wu, S., & Shen, W. (2017). The relationship between credit constraints and household risky assets. 1–23. Retrieved from http://www.diva-portal.org/smash/get/diva2:1127991/FULLTEXT01.pdf Yao, R., & Hanna, S. D. (2005). The effect of gender and marital status on financial risk tolerance. Journal of Personal Finance, 4(1), 66–85.
Journal Cover Vol 9, No 1 (2022) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp%p

Abstract

The Effect of the First Announcement of Large-Scale Social Restrictions in Jakarta Region on Sharia Stock Market Nur Rochmania; Puji Sucia Sukmaningrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp59-67

Abstract

ABSTRAK Penelitian ini bermaksud untuk menganalisis pengaruh pengumuman PSBB (Pembatasan Sosial Berskala Besar) pertama DKI Jakarta terhadap pasar saham syariah, khususnya di sektor properti, real estate & konstruksi yang ditunjukkan dengan nilai return tak normal serta nilai aktivitas volume perdagangan. Metode studi peristiwa dengan model pasar digunakan dalam penelitian ini. Sebanyak 27 saham emiten yang dijadikan sampel. Pengujian statistik menggunakan uji One Sample T-test dan Paired Sample T-test. Periode estimasi 60 hari dan periode peristiwa 21 hari. Hasil uji tersebut menemukan adanya perubahan yang signifikan pada nilai return tak normal, yakni saat t-10, t-3, t+7, t+8, and t+10. Tetapi tidak ditemukan perbedaan yang signifikan antara nilai return tak normal sebelum dengan sesudah pengumuman PSBB pertama DKI Jakarta. Hasil penelitian juga menemukan adanya perubahan yang signifikan pada nilai aktivitas volume perdagangan di seluruh hari di periode peristiwa, serta ditemukan perbedaan yang signifikan antara nilai aktivitas volume perdagangan sebelum dengan sesudah pengumuman PSBB pertama DKI Jakarta. Kata Kunci: Studi Peristiwa, Efisiensi Pasar, Return Tak Normal, Aktivitas Volume Perdagangan.   ABSTRACT This study intends to analyze the effect of the first PSBB (Large-Scale Social Restrictions) announcement in DKI Jakarta on the Islamic stock market, particularly in the property, real estate & construction sectors as indicated by abnormal return values and the value of trading volume activity. The event study method with a market model is used in this study. A total of 27 stock of companies were used in the sample. Statistical testing using One Sample T-test and Paired Sample T-test. The estimated period is 60 days and the event period is 21 days. The test results found a significant change in the abnormal return, namely at t-10, t-3, t+7, t+8, and t+10. However, there was no significant difference between the abnormal return before and after the first PSBB announcement in DKI Jakarta. The results also found a significant change in the trading volume activity on all days in the event period and found a significant difference between the trading volume activity before and after the first PSBB announcement in DKI Jakarta. Keywords: Event Study, Market Efficiency, Abnormal Return, Trading Volume Activity.   DAFTAR PUSTAKA Abdalloh, I. (2019). Pasar modal syariah. Jakarta: Gramedia. Duniainvestasi.com. (2021). Dunia investasi data bursa efek. Retrieved from http://www.duniainvestasi.com/bei/prices/stock/statistic Fama, E. F. (1970). Efficient capital markets: A review of theory and empirical work. The Journal of Finance, 25(2), 383– 417. Hartono, J. (2015). Teori portofolio dan analisis investasi. Yogyakarta: BPFE. ______. (2017). Teori Portofolio dan Analisis Investasi. Yogyakarta: BPFE. Ichev, R., & Marinč, M. (2018). Stock prices and geographic proximity of information: Evidence from the Ebola outbreak. International Review of Financial Analysis, 56, 153-166. https://doi.org/10.1016/j.irfa.2017.12.004 IDX. (2021). Indeks Saham. Retrieved from https://www.idx.co.id/data-pasar/data-saham/indeks-saham/ Kementerian Agama RI. (2021). Al-Qur’an. Retrieved from https://quran.kemenag.go.id/ Otoritas Jasa Keuangan. (2021). Daftar Efek Syariah. Retrieved from https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/daftar-efek-syariah/Default.aspx Pramana, A., & Mawardi, W. (2012). Analisis perbandingan trading volume activity dan abnormal return saham sebelum dan sesudah pemecahan saham (studi kasus pada perusahaan yang terdaftar di bursa efek indonesia periode 2007-2011). Diponegoro Journal Management, 1(1), 1-9. Presidenri.go.id. (2021). Keterangan pers Presiden RI terkait dua WNI positif korona. Retrieved from https://presidenri.go.id/video/keterangan-pers-presiden-ri-terkait-dua-wni-positif-korona/ Sukmaningrum, P. S., Madyan, M., & Hendratmi, A. (2019). Reaksi pasar saham yang terdaftar dalam Jakarta Islamic Index (JII) terhadap pengumuman penetapan gubernur DKI Jakarta tahun 2017. Jurnal Ekonomi Dan Bisnis Islam, 5(1), 1-14. Suryawijaya, M. A., & Setiawan, F. A. (1998). Reaksi pasar modal Indonesia terhadap peristiwa politik dalam negeri (Event study pada peristiwa 27 Juli 1996). KELOLA: Gadjah Mada University Business Review, 7(18), 137–153. Tandelilin, E. (2010). Portofolio dan investasi: Teori dan aplikasi. Yogyakarta: Kanisius. Wang, Y. H., Yang, F. J., & Chen, L. J. (2013). An investor's perspective on infectious diseases and their influence on market behavior. Journal of Business Economics and Management, 14(sup1), S112-S127. https://doi.org/10.3846/16111699.2012.711360
Causality of Economic Growth, Renewable Energy, and Environmental Degradation in Organization of Islamic Cooperation Countries Adelia De Tsamara Khansa; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp118-130

Abstract

ABSTRAK Penelitian ini bertujuan mengetahui hubungan kausalitas antara konsumsi energi konvensional, pertumbuhan ekonom, emisi karbon dioksida, dan konsumsi energi terbarukan di 39 negara Organisasi Kerjasama Islam (OKI) periode 1992-2018. Metode yang diterapkan ialah uji kausalitas Dumitrescu-Hurlin (2012) yang memperbolehkan adanya heterogenitas dan cross-sectional dependence. Temuan dari penelitian ini ialah terdapat interdependensi antara konsumsi energi konvensional dengan pertumbuhan ekonomi, sedangkan konsumsi energi terbarukan dipengaruhi oleh pertumbuhan ekonomi sebagaimana teori RKC U-shaped. Pertumbuhan ekonomi menyebabkan emisi karbon dioksida sebagaimana teori EKC-Kuznets. Tidak ditemukannnya hubungan kausalitas antara konsumsi energi konvensional dan terbarukan dengan emisi karbon dioksida. Penerapan kebijakan konservasi dapat diterapkan dengan memperhatikan pertumbuhan ekonomi. Penelitian terdahulu, menguji hubungan kausalitas tanpa memperhatikan cross-sectional dependence dan tidak memisahkan antara konsumsi energi konvensional dengan energi terbarukan. Kata Kunci: Energi terbarukan, Degradasi Lingkungan, Kausalitas.   ABSTRACT This research aims to find causality between conventional energy consumption, economic growth, carbon dioxide emissions, and renewable energy consumption in 39 countries of the Organization of Islamic Cooperation (OIC) from 1992 to 2018. The method used Dumitrescu-Hurlin Causality Test (2012) that allows heterogeneity and cross-sectional dependence. The outcome affirms that there is interdependency between conventional energy consumption and economic growth, but renewable energy consumption affected economic growth that confirms RKC U-Shaped theory. The impact of economic growth affects environmental degradation and carbon dioxide emissions which accept EKC-Kuznets theory. The neutral hypothesis confirmed between conventional and renewable energy consumption and carbon dioxide emissions. Conservation policy could be implemented by considering economic growth. The previous study tested causality relationship without considering cross-sectional dependence and differentiate between conventional and renewable energy consumption. Keywords: Renewable energy, Environmental Degradation, Causality.   DAFTAR PUSTAKA Adams, S., & Nsiah, C. (2019). Reducing carbon dioxide emissions; Does renewable energy matter? Science of the Total Environment, 693(25), 1-9. https://doi.org/10.1016/j.scitotenv.2019.07.094 Alfarabi, M. A., Hidayat, M. S., & Rahmadi, S. (2014). Perubahan struktur ekonomi dan dampaknya terhadap kemiskinan di provinsi Jambi. Jurnal Perspektif Pembiayaan dan Pembangunan Daerah, 1(3), 171-178. https://doi.org/10.22437/ppd.v1i3.1551 Antonakakis, N., Chatziantoniou, I., & Filis, G. (2017). 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Analysis of the Influence of Mobile Banking and Financial Inclusion on the Financial Performance of Sharia Banks in Indonesia for the Period 2014-2019 Dahayu Bethari Widyandri; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp14-24

Abstract

ABSTRAK Digitalisasi perbankan dilakukan demi pemanfaatan teknologi sehingga melahirkan mobile banking yang dapat memperluas jangkauan layanan keuangan dan Inklusi keuangan menjadi penting untuk menunjukan seberapa besar jasa layanan keuangan yang telah dipakai dan digunakan oleh masyarakat. Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh mobile banking dan keuangan inklusif terhadap kinerja keuangan bank Syariah di Indonesia. Penelitian ini memakai 11 sampel Bank Umum Syariah dan diuji menggunakan Regresi Data Panel dengan variable independent keuangan inklusi yang diukur dengan ROA, ROE, dan BOPO. Hasilnya didapatkan bahwa mobile banking berpengaruh terhadap kinerja keuangan bank Syariah dan keuangan inklusi berpengaruh terhadap kinerja keuangan yang di proksikan dengan Dana Pihak ketiga dan Jaringan kantor namun Pembiayaan tidak berpengaruh terhadap kinerja keuangan. Bagi Regulator,  agar menedukasi atau memberikan penyuluhan tentang literasi dan inklusi keuangan untuk masyarakat Indonesia agar masyarakat merasakan manfaat dari layanan keuangan perbankan. Bagi bank umum Syariah, agar memperluas jaringan mobile banking secara maksimal sehingga dapat meningkatkan kinerja keuangan bank Syariah di Indonesia dan menjadi pertimbangan bagi para manajemen untuk melakukan investasi di mobile banking untuk meningkatkan profitabilitas bank Syariah secara jangka Panjang.  Kata Kunci: Mobile Banking, Keuangan Inklusi, Kinerja Keuangan.   ABSTRACT Digitalization of banking is done for the use of technology so as to give birth to mobile banking that can expand the reach of financial services and financial inclusion becomes important to show how much financial services have been used and used by the public. This study aims to test and analyze the influence of mobile banking and inclusive finance on the financial performance of Sharia banks in Indonesia. This study used 11 samples of Sharia Commercial Banks and tested using Regression Data Panel with independent financial inclusion variables as measured by ROA, ROE, and BOPO. The result was obtained that mobile banking affects the financial performance of Sharia banks and financial inclusion affects the financial performance proxies with third party funds and office networks but financing has no effect on financial performance. For regulators, in order to educate or provide counseling on financial literacy and inclusion for the people of Indonesia so that the public can feel the benefits of banking financial services. For Sharia commercial banks, in order to expand the mobile banking network to the maximum so as to improve the financial performance of Sharia banks in Indonesia and be a consideration for management to invest in mobile banking to improve the profitability of Sharia banks in the long term.  Keywords: Mobile Banking, Financial Inclusion, Bank Performance.   DAFTAR PUSTAKA Agustiningsih, F. (2017). Analisis perbandingan dana pihak ketiga, biaya operasional terhadap pendapatan operasional, profitabilitas, likuiditas sebelum dan sesudah penerapan laku pandai (Branchless banking) pada bank BUMN periode 2013-2017. Prosiding Manajemen, 5(2), 1239-1344. http://dx.doi.org/10.29313/.v0i0.18546 Ahamed, M. M., & Mallick, S. K. (2019). Is financial inclusion good for bank stability? International evidence. Journal of Economic Behavior and Organization, 157, 403–427. https://doi.org/10.1016/j.jebo.2017.07.027 Ahyar, M. K. (2019). Analisis pengaruh inklusi perbankan syariah terhadap pembiayaan UMKM sektor halal di Indonesia. Al-Tijary, 5(1), 19–36. https://doi.org/10.21093/at.v5i1.1716 Ali, H., Abdullah, R., & Zaki Zaini, M. (2019). Fintech and its potential impact on Islamic banking and finance industry: A case study of Brunei Darussalam and Malaysia. International Journal of Islamic Economics and Finance (IJIEF), 2(1), 73–108. https://doi.org/10.18196/ijief.2116 Ali, M. M., Devi, A., Furqani, H., & Hamzah, H. (2020). Islamic financial inclusion determinants in Indonesia: an ANP approach. International Journal of Islamic and Middle Eastern Finance and Management, 13(4), 727–747. https://doi.org/10.1108/IMEFM-01-2019-0007 Azwar, A. A. (2017). Analisis empiris inklusifitas keuangan syariah di Indonesia. Jurnal BPPK: Badan Pendidikan Dan Pelatihan Keuangan, 10(1), 1–21. https://doi.org/10.48108/jurnalbppk.v10i1.21 Brigham, E. F. dan J. F. H. (2001). Manajemen keuangan. Jakarta: Erlangga. Buse, S., & Buse, S. (2007). Mobile Services in Banking Sector: The Role of Innovative Business Solutions in Generating Competitive Advantage. Proceedings of the International Research Conference on Quality, Innovation and Knowledge Management, 886-894. Chatterjee, A. (2020). Financial inclusion, information and communication technology diffusion, and economic growth: a panel data analysis. Information Technology for Development, 26(3), 607–635. https://doi.org/10.1080/02681102.2020.1734770 Del Gaudio, B. L., Porzio, C., Sampagnaro, G., & Verdoliva, V. (2020). How do mobile, internet and ICT diffusion affect the banking industry? An empirical analysis. European Management Journal, 39(3), 327-332. https://doi.org/10.1016/j.emj.2020.07.003 Deyoung, R., Lang, W. W., & Nolle, D. L. (2007). How the Internet affects output and performance at community banks. Journal of Banking & Finance, 31(4), 1033–1060. https://doi.org/10.1016/j.jbankfin.2006.10.003 Mastuti, D. F. A., & Indriyani, F. (2021). Peran mobile banking dan keuangan inklusi terhadap peningkatan profitabilitas perbankan syariah di indonesia. Bulletin of Management & Business, 2(1), 25–37. Global Findex. (2018). The little data book on financial inclusion 2018. Washington DC: Worldbank. Hajhashem, M., & Khorasani, A. (2015). Demystifying the dynamic of disruptive innovations in markets with complex adoption networks: From encroachment to disruption. International Journal of Innovation and Technology Management, 12(5), 1–22. https://doi.org/10.1142/S0219877015500224 Hanivan, H., & Nasrudin, N. (2019). A financial inclusion index for Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 22(3), 351–366. https://doi.org/10.21098/bemp.v22i3.1056 Harelimana, J. B. (2018). Impact of mobile banking on financial performance of Unguka microfinance bank Ltd, Rwanda. Journal of Harmonized Research in Management, 4(1), 26. https://doi.org/10.30876/johr.4.1.2018.26-40 Hernando, I., & Nieto, M. J. (2006). Is the Internet delivery channel changing banks’ performance ? The case of Spanish banks. Journal of Banking & Finance, 31(4), 1083-1099. https://doi.org/10.1016/j.jbankfin.2006.10.011 Hidayati, A. N. (2016). Pengaruh inflasi, bi rate dan kurs terhadap profitabilitas bank syariah di Indonesia. An-Nisbah: Jurnal Ekonomi Syariah, 1(1), 72-97. https://doi.org/10.21274/an.2014.1.1.72-9746. Kara, M. (2008). Konstribusi pembiayaan perbankan syariah terhadap pengembangan usaha mikro, kecil, dan menengah. Ahkam: Jurnal Ilmu Syariah, 13(2), 315–322. Karjaluoto, H., Hepola, J., & Lepp, M. (2020). Is it all about consumer engagement ? Explaining continuance intention for utilitarian and hedonic service consumption. Journal of Retailing and Consumer Services, 57(April). https://doi.org/10.1016/j.jretconser.2020.102232 Lashitew, A. A., van Tulder, R., & Liasse, Y. (2019). Mobile phones for financial inclusion: What explains the diffusion of mobile money innovations? Research Policy, 48(5), 1201–1215. https://doi.org/10.1016/j.respol.2018.12.010 Laukkanen, T., Sinkkonen, S., Kivijärvi, M., & Laukkanen, P. (2007). Innovation resistance among mature consumers. Journal of Consumer Marketing, 24(7), 419–427. https://doi.org/10.1108/07363760710834834 Margaretha, F. (2015). Dampak electronic banking. Jurnal Keuangan Dan Perbankan, 19(3), 514–524. Nila, J., & Mustika, Noor Mifrahi Achmad, T. (2017). Faktor-faktor yang mempengaruhi deposito mudharabah pada bank syariah di Indonesia. Jurnal Ekonomi dan Keuangan Islam, 3(1). https://doi.org/10.20885/jeki.vol3.iss1/art5 Ouma, S. A., Odongo, T. M., & Were, M. (2017). Mobile financial services and financial inclusion: Is it a boon for savings mobilization? Review of Development Finance, 7(1), 29–35. https://doi.org/10.1016/j.rdf.2017.01.001 Reuters, T. and D. (2018). Your gateway into the Islamic economy. An Inclusive, Ethica, Economy,Global Islamic Economy Report 2018/19. http://www.gifr.net/gifr2013/ch_13.PDF Sarah, H. (2013). Dampak branchless banking terhadap kinerja keuangan PT Bank Muamalat Indonesia. Al-Muzara'ah, 3(2), 136-157. https://doi.org/10.29244/jam.3.2.136-157 Sarma, M. (2015). Measuring financial inclusion. Economics Bulletin, 35(1), 604–611. Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., & Shahbaz, M. S. (2020). Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model. Foresight, 22(3), 367–383. https://doi.org/10.1108/FS-12-2019-0105 Siddik, N. A., Sun, G., Kabiraj, S., Shanmugan, J., & Yanjuan, C. (2016). Impacts of e-banking on performance of banks in a developing economy: Empirical evidence from Bangladesh. 17(6), 1066–1080. https://doi.org/10.3846/16111699.2015.1068219 Sinambela, E., & Rohani. (2017). Pengaruh penyediaan layanan internet banking terhadap kinerja keuangan perbankan di Bursa Efek Indonesia. Forum Keuangan Dan Bisnis Indonesia (FKBI), 6, 87–94. http://fkbi.akuntansi.upi.edu/ Umar, A. I. (2017). Index of Syariah Financial Inclusion in Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 20(1), 99–126. https://doi.org/10.21098/bemp.v20i1.726 Vo, D. H., Nguyen, N. T., & Thi-Hong Van, L. (2020). Financial inclusion and stability in the Asian region using bank-level data. Borsa Istanbul Review. https://doi.org/10.1016/j.bir.2020.06.003 World Bank. (2018). World bank report 2018. Washington DC: World Bank.
The Effect of Herding, Experience Regret and Religiosity on Sharia Stock Investment Decisions for Muslim Millennial Investors with Financial Literacy as a Moderating Variable Sari Fitriyani; Saiful Anwar
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp68-77

Abstract

ABSTRAK Pandemi covid-19 berdampak pada perekonomian seluruh negara dengan meningkatnya resiko dalam berinvestasi. Hal ini akan mempengaruhi perilaku investor, apakah akan berinvestasi atau tidak. Investasi salah satu faktor penggerak pembangunan ekonomi suatu negara. Penelitian ini bertujuan menganalisis pengaruh herding, experience regret, religiosity terhadap keputusan investasi dengan financial literacy sebagai variabel moderasi. Jenis penelitian ini adalah penelitian kuantitatif yang populasinya investor milenial muslim saham syariah. Teknik pengambilan sampel menggunakan purposive sampling dengan responden sejumlah 52. Alat analisis yang digunakan moderated regression analysis. Hasil penilitian ini menunjukkan bahwa herding tidak berpengaruh signifikan terhadap keputusan investasi, experience regret tidak berpengaruh signifikan terhadap keputusan investasi, religiosity berpengaruh positif signifikan terhadap keputusan investasi. Financial literacy mampu memoderasi pengaruh herding, experience regret, religiosity terhadap keputusan investasi. Kata Kunci: Herding, Experience Regret, Religiosity, Keputusan Investasi, Financial Literacy.   ABSTRACT The Covid-19 pandemic has an impact on the economy of all countries by increasing the risk of investing. This affects the behavior of investors, whether to invest or not. Investment is one of the driving factors for the economic development of a country. This study aims to analyze the effect of herding, experience regret, and religiosity on Muslim millennial investors' sharia stock investment decisions with financial literacy as a moderating variable. This type of research is a quantitative study with a population of Muslim millennial investors in sharia stock. The sampling technique used is purposive sampling 52 totaling respondents. The analytical tool used is moderated regression analysis. The results showed that herding does not have a significant effect on investment decisions, experience regret does not have a significant effect on investment decisions, religiosity significant positive effect on investment decisions, financial literacy is able to moderate the influence of herding, experience regret, religiosity on investment decisions. Keywords: Herding, Experience Regret, Religiosity, Investment Decisions, Financial Literacy.   DAFTAR PUSTAKA Adiputra, I. G. (2020). Pengaruh overconfidence, herding effect, self-monitoring terhadap investment decision pada masa pandemi covid-19. Jurnal Manajemen dan Kewirausahaan, 2(3), 595–602. Afriani, D., & Halmawati. (2019). Pengaruh cognitive dissonance bias, overconfidence bias dan herding bias terhadap pengambilan keputusan (Studi empiris pada mahasiswa Fakultas Ekonomi Universitas Negeri Padang yang melakukan investasi di Bursa Efek Indonesia). Jurnal Eksplorasi Akuntansi, 1(4), 1650–1665. Ahmad, S., Javed, T., Ul, W., & Qudsia, H. (2020). Demographic factors and herding behaviour of investors: Moderating role of islamic religiosity. 3(2), 193–203. https://doi.org/10.47067/ramss.v3i2 Alquraan, T., Alqisie, A., & Shorafa, A. Al. (2016). Do behavioral finance factors influence stock investment decisions of individual investors? Evidences from Saudi Stock Market. American International Journal of Contemporary Research, 6(3), 159–169. Anendy, R., & Isbanah, Y. (2020). Faktor-faktor yang mempengaruhi keputusan investasi pada investor saham di Surabaya. Jurnal Ilmu Manajemen, 8(1), 197–209. Audini, A. F., Mus, A. M., & Sjahruddin, H. (2020). Pengaruh literasi keuangan terhadap keputusan investasi dengan perilaku keuangan sebagai variabel moderasi. NIAGAWAN, 9(2), 102–107. Danepo, M. (2018). Pengaruh bias perilaku investor terhadap keputusan investasi di pasar saham (Studi pada Bursa Efek Indonesia). Tesis tidak dipublikasikan. Bandar Lampung: Universitas lampung. Eka, S., Natassia, R., & Yolanda, H. (2020). The effect of religiosity moderation with loss aversion on the investment decision of personal investors kind of stock security in Padang City. AMAR: Andalas Management Review, 4(1), 40–55. https://doi.org/10.25077/amar.4.1.40-55.2020 Fachrudin, K. R., & Fachrudin, K. A. (2016). The influence of education and experience toward investment decision with moderated by financial literacy. Polish Journal of Management Studies, 14(2), 51–60. https://doi.org/10.17512/pjms.2016.14.2.05 Fauziah, L. N. (2019). Analisis pengaruh tingkat literasi keuangan dan religiusitas terhadap keputusan investasi: Studi pada mahasiswa fakultas ekonomi UIN maulana malik ibrahim malang. Skripsi tidak dipublikasikan. Malang: UIN Malang. Fitriarianti, B. (2018). Pengaruh literasi keuangan, perilaku keuangan dan pendapatan terhadap keputusan berinvestasi. Proseding Seminar Nasional Akuntansi, 1(1), 1-15. Hayat, A., & Anwar, M. (2016). Impact of behavioral biases on investment decision; Moderating Role of Financial Literacy. 1–14. https://dx.doi.org/10.2139/ssrn.2842502 Hidayati, A. (2020). Hubungan religiusitas dengan minat investasi emas di perbankan syariah pada mahasiswa jurusan manajemen dakwah fakultas ilmu dakwah dan ilmu komunikasi UIN Syarif Hidayatullah Jakarta. Skripsi tidak dipublikasikan. Jakarta: UIN Syarif Hidayatullah Jakarta. Jamaludin, N. (2013). Religion and individual investment choice decision: The case of Malaysia. International Journal of Business and Social Science, 4(1), 104–113. Khairunizam, & Isbanah, Y. (2019). Pengaruh financial literacy dan behavioral finance factors terhadap keputusan investasi (Studi terhadap investor saham syariah pada galeri investasi syariah UIN Sunan Ampel Surabaya). Jurnal Ilmu Manajemen, 7(2009), 516–528. Khan, D. (2016). Cognitive driven biases, investment decision making: The moderating role of financial literacy. SSRN Electronic Journal, 1–25. Mutawally, F. W., & Asandimitra, N. (2019). Pengaruh financial literacy, risk perception, behavioral finance dan pengalaman investasi terhadap keputusan investasi mahasiswa surabaya. Jurnal Ilmu Manajemen, 7, 942–953. Nabilah, F. (2020). Pengaruh pengetahuan, religiusitas dan motivasi investasi terhadap minat berinvestasi pasar modal syariah pada komunitas investor saham pemula. TARAADIN, 1(1), 55–67. Pradikasari, E., & Isbanah, Y. (2018). Pengaruh financial literacy, illusion of control, overconfidence, risk tolerance, dan risk perception terhadap keputusan investasi pada mahasiswa di kota surabaya. Jurnal Ilmu Manajemen, 6(4), 424–434. Pranyoto, E., Susanti, & Septiyani. (2020). Herding behavior, experienced regret dan keputusan investasi pada bitcoin. Jurnal Bisnis Darmajaya, 06(01), 29–43. Pratama, H. A. (2020). Minat masyarakat terhadap reksadana syariah: Peran religiusitas, literasi finansial dan pendapatan. Skripsi tidak dipublikasikan. Yogyakarta: Universitas Islam Indonesia. Pritazahara, R., & Sriwidodo, U. (2015). Pengaruh pengetahuan keuangan dan pengalaman keuangan terhadap perilaku perencanaan investasi dengan self control sebagai variabel moderating. Jurnal Ekonomi Dan Kewirausahaan, 15(1), 28–37. Putra, I. P. S., Ananingtiyas, H., Sari, D. R., Dewi, A. S., & Silvy, M. (2016). Pengaruh tingkat literasi keuangan, experienced regret, dan risk tolerance pada pemilihan jenis investasi. Journal of Business and Banking, 5(2), 271-282. https://doi.org/10.14414/jbb.v5i2.548 Putri, I. R., & Hikmah. (2020). Pengaruh financial literacy, overconfidence, regret aversion bias dan risk tolerance terhadap investment decision di kota Batam. Jurnal Ilmiah Maksitek, 5(2), 95–109. Ramdani, F. N. (2018). Analisis pengaruh representativeness bias dan herding behavior dalam pengambilan keputusan investasi (Studi pada mahasiswa di Yogyakarta). Skripsi tidak dipublikasikan. Yogyakarta: Universitas Islam Indonesia. Rinandiyana, L. R., Fahmi, A. N., & Kusnandar, D. L. (2020). Experienced regret dan risk tolerance dalam membentuk perilaku perdagangan saham. Jurnal Ekonomi Manajemen dan Akuntansi, 22(1), 44–48. http://dx.doi.org/10.29264/jfor.v22i1.6480 Rosyidah, M., & Lestari, W. (2013). Religiusitas dan persepsi risiko dalam pengambilan keputusan investasi pada perspektif gender. Journal of Business and Banking, 3(2), 189–200. Septiyani. (2019). Pengaruh herding behavior dan experienced regret terhadap keputusan investasi di Lampung. Skripsi tidak dipublikasikan. Bandar Lampung: IIB Darmajaya. Sumtoro, A., & Anastasia, N. (2015). Perilaku keuangan dalam pengambilan keputusan berinvestasi properti residensial di Surabaya. Finesta, 3(1), 41–45. Tandelilin, E. (2017). Portofolio dan investasi teori dan aplikasi. Yohyakarta: Kanisius. Wahyuni, A. P. (2019). Pengaruh experienced regret, risk perception, locus of control internal, overconfidence dan etnis pada pengambilan keputusan investasi di Surabaya. Artikel Ilmiah STIE Perbanas, 1-13 Wardani, D. K., & Lestari, M. D. (2018). Pengaruh literasi keuangan, experienced regret, motivasi dan status pendidikan terhadap keputusan investasi IRT. JAE: Jurnal Akuntansi Dan Ekonomi, 5(3), 56–63. https://doi.org/10.29407/jae.v5i3.14058 Wardani, & Lutfi. (2017). Pengaruh literasi keuangan, experienced regret, risk tolerance, dan motivasi pada keputusan investasi keluarga dalam perspektif masyarakat Bali. Journal of Business and Banking, 6(2), 195–214. https://doi.org/10.14414/jbb.v6i2.996 Wulandari, D. A. (2014). Studi experienced regret, risk tolerance, overconfidence dan risk perception pada pengambilan keputusan investasi dosen ekonomi. Journal of Business and Banking, 4(1), 55–66.
The Effect of E-WOM and Brand Image on Online Purchase Intention of Muslim Fashion in Millenials in Surabaya Virda Yusniawati; Ari Prasetyo
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp131-139

Abstract

ABSTRAK Tujuan penelitian ini dilakukan guna menguji pengaruh e-WOM dan brand image terhadap online purchase intention fashion muslim secara parsial dan simultan. Populasi dalam penelitian ini adalah milenial muslim di Kota Surabaya yang tidak pernah belanja fashion muslim secara online. Sampel yang diambil dengan teknik nonprobability sampling serta metode purposive sampling. Pengumpulan data dalam penelitian ini menggunakan data primer dengan menyebarkan kuesioner secara online. Dalam penelitian ini menggunakan sampel yang sesuai dengan kriteria penelitian sebanyak 70 responden. Penelitian ini menggunakan teknik analisis dengan uji deskriptif, uji instrumen, uji asumsi klasik, uji model dan uji hipotesis. Dalam melakukan pengujian tersebut dalam mengolah datanya penelitian ini menggunakan SPSS versi 26. Setelah dilakukan pengujian terhadap variabel-variabel yang diteliti maka hasil yang didapatkan adalah (1) e-WOM dan brand image secara parsial berpengaruh signifikan terhadap online purchase intention. (2) Variabel e-WOM lebih dominan terhadap online purchase intention. (3) e-WOM dan brand image secara simultan berpengaruh terhadap online purchase intention. Kata Kunci: E-WOM, Brand image, Online Purchase Intention, Fashion Muslim.   ABSTRACT The purpose of this study was conducted to test the influence of e-WOM and brand image on online purchase intention fashion Muslim partially and simultaneously. The population in this study is Muslim millennials in Surabaya who have never shopped for Muslim fashion online. Samples taken with nonprobability sampling techniques as well as purposive sampling methods. The data collection in this study used primary data by disseminating questionnaires online. In this study, we used samples that matched the research criteria of 70 respondents. This study uses analytical techniques with descriptive tests, instrument tests, classic assumption tests, model tests and hypothesis tests. In conducting such tests in processing the data this research uses SPSS version 26. After testing the variables studied, the results obtained are (1) e-WOM and brand image partially affects online purchase intention. (2) e-WOM variables are more dominant against online purchase intention. (3) e-WOM and brand image simultaneously affect online purchase intention. Keywords: E-WOM, Brand image, Online Purchase Intention, Muslim Fashion.   DAFTAR PUSTAKA Agatha, C., Tumbel, A., & Soepeno, D. (2019). Pengaruh brand image dan electronic word of mouth terhadap minat beli konsumen oriflame di Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 7(1), 131-140. https://doi.org/10.35794/emba.v7i1.22291 APJII. (2018). Laporan survey penetrasi dan profil perilaku pengguna internet Indonesia. Jakarta: Asosiasi Penyelenggara Jasa Internet Indonesia. ______. (2017). Infografis penetrasi & perilaku pengguna internet Indonesia 2017. Jakarta: Asosiasi Penyelenggara Jasa Internet Indonesia. Bambauer-Sachse, S., & Mangold, S. (2011). Brand equity dilution through negative online word-of-mouth communication. Journal of retailing and consumer services, 18(1), 38-45. https://doi.org/10.1016/j.jretconser.2010.09.003 Day, G. S. (1976). A two-dimensional concept of brand loyalty. In Mathematical models in marketing (pp. 89-89). Heidelberg, Berlin: Springer. Huda, N., Hudori, K., Fahlevi, R., Mazaya, D., & Sugiarti, D. (2017). Pemasaran syariah: Teori & aplikasi. Jakarta: Kencana. Jalilvand, M. R., & Samiei, N. (2012). The effect of electronic word of mouth on brand image and purchase intention: An empirical study in the automobile industry in Iran. Marketing Intelligence & Planning, 30(4), 460-476. https://doi.org/10.1108/02634501211231946 Salisbury, W. D., Pearson, R. A., Pearson, A. W., & Miller, D. W. (2001). Perceived security and World Wide Web purchase intention. Industrial Management & Data Systems, 101(4), 165-177. https://doi.org/10.1108/02635570110390071 Schiffman, L. G., & Kanuk, L. L. (2000). Consumer behavior. New Jersey: Prenhallindo. Wibowo, A. (2015). Pengaruh elektronik word of mouth dan brand image terhadap purchase intention pada konsumen smartphone samsung yang berbasis android. Jurnal Ilmu Manajemen, 12(1), 71-88. http://dx.doi.org/10.21831/jim.v12i1.11743
Performance of Sharia Stock Funds Based on Stock Selection Skill and Market Timing Ability in Indonesia from March 2019 to March 2021 Evan Yoga Adhi Sakti; Muhammad Nafik Hadi Ryandono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp25-33

Abstract

ABSTRAK Pasar modal menjadi salah satu sarana investasi bagi masyarakat dalam menyalurkan harta yang dimiliki sehingga harta tersebut tidak hanya disimpan tetapi diinvestasikan pada instrument keuangan yang ada pada pasar modal agar terjadi perputaran dan memberikan manfaat bagi pemilik harta sebagai pemilik modal dan juga masyarakatnya muslim lainnya. Reksadana menjadi salah satu instrument pasar modal yang menjadi wadah bagi investor dalam menyisihkan hartanya. Kinerja reksadana syariah menjadi faktor investor mempercayakan kepada manajer investasi dalam mengelola portfolio. Studi ini untuk melihat kemampuan pemilihan saham dan kemampuan penetapan waktu dalam menilai kinerja reksadana saham syariah. Pengambilan sampel sebanyak 8 perusahaan manajer investasi dengan teknik purposive sampling dan metode analisis regresi linier berganda. Hasil penelitian yang diperoleh menyimpulkan kemampuan pemilihan saham memberikan pengaruh positif dan tidak signifikan serta kemampuan penetapan waktu memberikan pengaruh positif signifikan terhadap kinerja reksadana saham syariah. Kata Kunci: Kemampuan Pemilihan Saham, Kemampuan Penetapan Waktu, Kinerja, Reksadana Saham Syariah.   ABSTRACT The capital market is one of the investment facilities for the community in distributing their assets so that these assets are not only stored but invested in financial instruments that exist in the capital market so that turnover occurs and provides benefits for property owners as capital owners and also other Muslim communities. Mutual funds are one of the capital market instruments that are a place for investors to set aside their assets. The performance of sharia mutual funds is a factor for investors to trust investment managers in managing their portfolios. This study is to see the ability of stock selection and timing ability in assessing the performance of Islamic stock mutual funds. A sampling of 8 investment management companies with purposive sampling technique and multiple linear regression analysis methods. The results of the study concluded that the ability of stock selection has a positive and insignificant effect and the ability to determine timing has a significant positive effect on the performance of Islamic stock mutual funds. Keywords: Stock Selection Skill, Market Timing Ability, Performance, Sharia Stock Funds.   DAFTAR PUSTAKA Anita, A. (2013). Pengukuran pemilihan saham dan penetapan waktu menggunakan model treynor-mazuy pada reksadana syariah di Indonesia. Etikonomi, 12(1), 1-20. https://doi.org/10.15408/etk.v12i1.1898 Ghozali, I. (2012). Application of multivariate analysis with SPSS program. Semarang: Diponegoro University Publishing Agency. Hermawan, D., & Wiagustini, N. (2016). Pengaruh inflasi, suku bunga, ukuran reksa dana, dan umur reksa dana terhadap kinerja reksa dana. E-Jurnal Manajemen Universitas Udayana, 5(5), 3106-3133. Kharisma, A. W., & Isdaryadi, F. W. (2017). Evaluasi kemampuan manajer investasi reksadana saham berdasarkan market timing dan stock selection skill. Modus, 29(1), 37–50. Lestari, W. R. (2016). Kinerja reksadana saham syariah dan reksadana saham konvensional. Jurnal Magister Manajemen, 1(1), 116–128. https://jurnal.darmajaya.ac.id/index.php/jmmd/article/view/531 Maulana, F., & Ardiansari, A. (2018). Pemilihan saham dan waktu perdagangan pada reksadana syariah saham di Indonesia. Management Analysis Journal, 7(1), 12–23. https://doi.org/10.15294/maj.v7i1.17133 Ramayanti, T. P., & Purnamasari, K. (2018). Kemampuan pemilihan saham dan penetapan waktu pada manajer investasi reksa dana saham di Indonesia. Esensi: Jurnal Bisnis Dan Manajemen, 8(1), 29–40. https://doi.org/10.15408/ess.v8i1.6552 Sabila, F. H. (2019). Stock selection dan market timing ability reksa dana syariah saham di Indonesia. Journal of Economic, Public, and Accounting (JEPA), 1(2), 68–81. https://doi.org/10.31605/jepa.v1i2.275 Sari, A. P. N., & Purwanto, A. (2012). Analisis stock selection skills, market timing ability, size reksadana, umur reksadana dan expence ratio terhadap kinerja reksadana saham yang terdaftar di Bursa Efek Indonesia periode tahun 2006-2010. Journal of Finance, 1(1), 10–12. Sari, M. M., Mulyati, S., & Widarwati, E. (2019). The effect of stock selection skill, market timing ability, turnover ratio, and cash flow on sharia mutual funds performance (Case study of sharia mutual fund companies registered in OJK from 2011 to 2014). Journal of Accounting and Business Issues, 1(1), 69–78. https://ojs.stiesa.ac.id/index.php/jabi Waridah, W., & Mediawati, E. (2016). Analisis kinerja reksadana syariah. Jurnal Riset Akuntansi Dan Keuangan, 4(2), 1077–1086. https://doi.org/10.17509/jrak.v4i2.4043
Determinants of Student's Intention to Online Cash Waqf Using Modification of Technology Acceptance Model A'yun Qolbi; Raditya Sukmana
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp78-91

Abstract

ABSTRAK Tujuan dari Penelitian ini adalah menguji pengaruh kepercayaan dan citra website yang diintegrasikan dengan persepsi kemudahan penggunaan dan persepsi kebermanfaatan pada niatan seorang mahasiswa dalam membayar wakaf secara online, yang menjadikan penelitian ini berbeda dengan penelitian sebelumnya adalah penggunaan citra website sebagai determinan niatan mahasiswa dalam menggunakan layanan wakaf online ini. Penelitian ini menggunakan pendekatan kuantitatif dengan metode SEM-PLS serta melibatkan responden sebesar 100 responden dengan menggunakan Purposive Sampling dengan kriteria seorang muslim usia 18-35 dan seorang mahasiswa. Software analisis untuk mengolah data dalam penelitian ini menggunakan Smartpls 3.3, untuk data diperoleh dengan menggunakan kuesioner online menggunakan skala likert 1 sampai 5, dengan keterangan sangat setuju hingga tidak setuju. Hasil dari penelitian ini menunjukkan bahwa kepercayaan, citra website, kebermanfaatan aplikasi, dan kemudahan penggunaan berhubungan signifikan terhadap niat penggunaan wakaf online. Implikasi hasil penelitian ini diharapkan dapat memberikan tambahan pengetahuan terutama dalam ilmu pemasaran Islam terkait penggunaan behavioral intention dalam penggunaan layanan wakaf online, serta diharapkan penelitian ini dapat memberikan masukan bagi manajemen lembaga donasi terutama nazir untuk lebih memperhatikan kemudahan penggunaan konsumen, manfaat yang dirasakan, kepercayaan lembaga, citra perusahaan serta niat dalam menggunakan layanan wakaf secara online. Kata kunci: Wakaf online, technology acceptance model, trust, image.   ABSTRACT The purpose of this study was to examine the effect of trust and website image, which is integrated with perceived ease of use and perceived usefulness, on a student's intention to pay waqf online. What makes this research different from previous research is using website images to determine student intention in using this online waqf service. This study uses a quantitative approach with the SEM-PLS method and involves 100 respondents using purposive sampling with the criteria of a Muslim aged 18-35 and a student. The analysis software to process data in this study used Smartpls 3.3 for data obtained using an online questionnaire using a Likert scale of 1 to 5, with statements strongly agreeing to disagree. This study indicates that trust, website image, application usefulness, and ease of use are significantly related to the intention to use online waqf. The implications of the results of this study are expected to provide additional knowledge, especially in Islamic marketing related to the use of behavioral intention in the use of online waqf services. It is hoped that this research can provide input for the management of donation institutions, especially Nazir, to pay more attention to consumers' ease of use, perceived benefits, and institutional trust., corporate image and intention to use online waqf services. Keywords: online waqf, technology acceptance model, trust, image.   DAFTAR PUSTAKA Abdul Shukor, S., Johari, F., Abd Wahab, K., Kefeli Zulkefli, Z., Ahmad, N., Haji Alias, M., Abdul Rahman, A., Mohd Orip, N. M., Ibrahim, P., & Abu-Hussin, M. F. (2019). Trust on awqaf institutions: evidence from Malaysia. Journal of Islamic Marketing, 10(2), 511–524. https://doi.org/10.1108/JIMA-05-2017-0054 Ahn, J. chang, Sura, S., & An, J. C. (2018). Intention to donate via social network sites (SNSs): A comparison study between Malaysian and South Korean users. Information Technology and People, 31(4), 910–926. https://doi.org/10.1108/ITP-12-2015-0307 Aldeen, K. N., Ratih, I. S., & Herianingrum, S. (2020). Contemporary issues on cash waqf: A thematic literature review. International Journal of Islamic Economics and Finance (IJIEF), 3(3), 119–144. https://doi.org/10.18196/ijief.3236 Alrubaiee, L. S., Aladwan, S., Abu Joma, M. H., Idris, W. M., & Khater, S. (2017). Relationship between corporate social responsibility and marketing performance: The mediating effect of customer value and corporate image. International Business Research, 10(2), 104. https://doi.org/10.5539/ibr.v10n2p104 Bailey, A. A., Pentina, I., Mishra, A. S., & Ben Mimoun, M. S. (2017). Mobile payments adoption by US consumers: An extended TAM. International Journal of Retail and Distribution Management, 45(6), 626–640. https://doi.org/10.1108/IJRDM-08-2016-0144 Berakon, I., Aji, H. M., & Hafizi, M. R. (2021). Impact of digital sharia banking systems on cash-waqf among Indonesian Muslim youth. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-11-2020-0337 Blagoeva, K. T., & Mijoska, M. (2017). Applying TAM to study online shopping adoption among youth in the republic of Macedonia. Genetika, 46(3), 27–32. Eneizan, B., Alsaad, A., Alkhawaldeh, A., Rawash, H. N., & Enaizan, O. (2020). E-WOM, trust, usefulness, ease of use, and online shopping via websites: The moderating role of online shopping experience. Journal of Theoretical and Applied Information Technology, 98(13), 2554–2565. Faisal, M., Yusof, M., Alam, S., Faiz, M., Yusof, M., Alam, S., Hasarudin, M. H., Alam, S., Romli, N., Lumpur, K., Terms, G., & Statement, P. (2014). Cash waqf and infaq: A proposed e-philanthropy in Malaysia. Jurnal Kemanusiaan, 12(1), 1–10. Hair Jr., J. F., Gabriel, M. L. D. da S., & Patel, V. K. (2014). Modelagem de equações estruturais baseada em covariância (CB-SEM) com o AMOS: Orientações sobre a sua aplicação como uma Ferramenta de Pesquisa de Marketing. Revista Brasileira de Marketing, 13(2), 44–55. https://doi.org/10.5585/remark.v13i2.2718 Indahsari, K., Burhan, M. U., Ashar, K., & Multifiah. (2014). Determinants of individual Muslim behaviour in accomplishing zakah, infaq, shadaqah and waqf through amil institution. International Journal of Economic Policy in Emerging Economies, 7(4), 346–365. https://doi.org/10.1504/IJEPEE.2014.066627 Iskandar, M., Hartoyo, H., & Hermadi, I. (2020). Analysis of factors affecting behavioral intention and use of behavioral of mobile banking using unified theory of acceptance and use of technology 2 model approach. International Review of Management and Marketing, 10(2), 41–49. https://doi.org/10.32479/irmm.9292 Joseph, S. (2014). Waqf in historical perspective: Online fatāwā and contemporary discourses by muslim scholars. Journal of Muslim Minority Affairs, 34(4), 425–437. https://doi.org/10.1080/13602004.2014.965974 Kasri, R. A., & Chaerunnisa, S. R. (2021). The role of knowledge, trust, and religiosity in explaining the online cash waqf amongst Muslim millennials. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-04-2020-0101 Klopping, I. M., & Mckinney, E. (2004). Extending the technology acceptance model and the task-technology fit model  to consumer e-commerce. Information Technology, Learning, and Performance Journal, 22(1), 35–48. Lubis, H. (2020). Potensi dan strategi pengembangan wakaf uang di indonesia. IBF: Islamic Business and Finance, 1(1), 43–59. Masrikhan, M. (2019). Optimalisasi potensi wakaf di era digital melalui platform online wakafin.com dengan konsep crowdfunding sebagai penggerak ekonomi masyarakat. Jurnal Ekonomi Syariah, 1, 1–12. Mohd Thas Thaker, M. A. Bin. (2018). Factors influencing the adoption of the crowdfunding-waqf model (CWM) in the waqf land development. Journal of Islamic Marketing, 9(3), 578–597. https://doi.org/10.1108/JIMA-05-2016-0043 Mohd Thas Thaker, M. A., Mohd Thas Thaker, H., A.Pitchay, A., & Khaliq, A. (2019). A proposed integrated zakat-crowdfunding model (IZCM) for effective collection and distribution of zakat fund in Malaysia. International Journal of Zakat and Islamic Philanthropy, 1(2), 1–12. Niswah, F. M., Mutmainah, L., & Legowati, D. A. (2019). Muslim millennial’s intention of donating for charity using fintech platform. Journal of Islamic Monetary Economics and Finance, 5(3), 623–644. https://doi.org/10.21098/jimf.v5i3.1080 Nour Aldeen, K., Ratih, I. S., & Sari Pertiwi, R. (2021). Cash waqf from the millennials’ perspective: a case of Indonesia. ISRA International Journal of Islamic Finance, ahead-of-p(ahead-of-print). https://doi.org/10.1108/ijif-10-2020-0223 Phatthana, W., & Mat, N. K. N. (2011). The application of technology acceptance model (TAM) on health tourism e-purchase intention predictors in Thailand. 2010 International Conference on Business and Economics Research, 1, 196–199. http://www.ipedr.com/vol1/43-B10046.pdf Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance of mobile banking in Islamic banks: Evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), 357–376. https://doi.org/10.1108/JIMA-04-2017-0038 Rybaczewska, M., Sparks, L., & Sułkowski, Ł. (2020). Consumers’ purchase decisions and employer image. Journal of Retailing and Consumer Services, 55(October 2019), 0–7. https://doi.org/10.1016/j.jretconser.2020.102123 Sabri, F. A. (2014). Wakaf uang (Sebuah alternatif dalam upaya menyejahterakan masyarakat). AL-IHKAM: Jurnal Hukum & Pranata Sosial, 8(1), 40–54. https://doi.org/10.19105/al-lhkam.v8i1.339 Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., & Shahbaz, M. S. (2020). Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: An extension of technology acceptance model. Foresight, 22(3), 367–383. https://doi.org/10.1108/FS-12-2019-0105 Singh, S., Sahni, M. M., & Kovid, R. K. (2020). What drives fintech adoption? A multi-method evaluation using an adapted technology acceptance model. Management Decision, 58(8), 1675–1697. https://doi.org/10.1108/MD-09-2019-1318 Sohn, S. (2017). A contextual perspective on consumers’ perceived usefulness: The case of mobile online shopping. Journal of Retailing and Consumer Services, 38(May), 22–33. https://doi.org/10.1016/j.jretconser.2017.05.002 Usman, H., Mulia, D., Chairy, C., & Widowati, N. (2020). Integrating trust, religiosity and image into technology acceptance model: the case of the Islamic philanthropy in Indonesia. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-01-2020-0020 Victoria, O. A., Pujirahayu, E. W., Khisni, A., & Ong, R. (2019). Law development of waqf al-nuqud (Cash waqf) towards electronic waqf (E-waqf) based on public welfare. LDJ: Law Development Journal, 1(1), 13–17. Wadi, D. A., & Nurzaman, M. S. (2020). Millennials behaviour towards digital waqf innovation. International Journal of Islamic Economics and Finance (IJIEF), 3(3), 1–30. https://doi.org/10.18196/ijief.3232 Wong, K. K. K.-K. (2013). Partial least squares structural equation modeling (PLS-SEM) techniques using SmartPLS. Marketing Bulletin, 24(1), 1–32. Retrieved from http://marketing-bulletin.massey.ac.nz/v24/mb_v24_t1_wong.pdf%5Cnhttp://www.researchgate.net/profile/Ken_Wong10/publication/268449353_Partial_Least_Squares_Structural_Equation_Modeling_(PLS-SEM)_Techniques_Using_SmartPLS/links/54773b1b0cf293e2da25e3f3.pdf Zhang, E. M. (2010). Understanding the acceptance of mobile SMS advertising among young chinese consumers. Psychology & Marketing, 30(6), 461–469. https://doi.org/10.1002/mar
The Reluctance of MSMEs around Religious Tourism in Choosing Islamic Bank Financing: A Study in Madura Nasrulloh Nasrulloh; Elfira Maya Adiba; Talitha Rahma Diar
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp34-46

Abstract

ABSTRAK Pangsa pasar perbankan Syariah di Indonesia masih rendah. Penelitian ini bertujuan untuk mengetahui pengaruh variabel pengetahuan, motivasi, dan marketing terhadap keengganan minat UMKM di sekitar wisata religi di Madura untuk mempunyai produk pembiayaan di bank syariah. Jenis data pada penelitian merupakan data primer yang didapatkan melalui penyebaran kuesioner pada pemiliki UMKM pada kawasan wisata religi di Madura dan tidak memiliki produk pembiayaan di bank syariah. Regresi liniear berganda digunakan untuk mengolah data penelitian ini. Hasil dari penelitian ini yaitu pengetahuan dan motivasi berpengaruh signifikan terhadap keengganan minat UMKM mengambil pembiayaan pada bank syariah. Variabel marketing tidak berpengaruh signifikan terhadap keengganan minat mengambil pembiayaan pada bank syariah. Berdasarkan hasil tersebut maka perlu dilakukan penelitian lebih lanjut untuk mengidentifikasi faktor lain yang akan mendorong minat UMKM untuk mengambil pembiyaan pada bank syariah. Kata Kunci: Bank syariah, Pariwisata Syariah, Keengganan Minat, UMKM.   ABSTRACT The market share of Islamic banking in Indonesia is still low. his study aims to determine the effect of knowledge, motivation, and marketing variables on the reluctance of MSME interest in religious tourism in Madura to have financing products in Islamic banks. The type of data in this study is primary data obtained through distributing questionnaires to MSME owners in religious tourism areas in Madura and not having financing products at Islamic banks. Multiple linear regression was used to process the research data. The results of this study are knowledge and motivation have a significant effect on the reluctance of MSMEs to take financing at Islamic banks. The marketing variable has no significant effect on the reluctance of interest in taking financing at Islamic banks. Based on these results, it is necessary to conduct further research to identify other factors that will encourage the interest of MSMEs to take financing in Islamic banks. Keywords: Islamic Bank, Shariah Tourism, Reluctance of Interest, MSME.   DAFTAR PUSTAKA Achmad, L. I. (2020). Analisis faktor-faktor yang mempengaruhi keengganan menabung di bank syariah. Jurnal Ekonomi Syariah Pelita Bangsa, 5(1), 64–91. https://doi.org/https://doi.org/10.37366/jespb.v5i01.85 Amalia, R. (2017). Analisis faktor-faktor yang mempengaruhi kurangnya minat masyarakat muslim di kecamatan Bara mengambil pembiayaan. Skripsi tidak dipublikasikan. Palopo: IAIN Palopo. Amin, H., Rahman, A. R. A., Sondoh, S. L., & Hwa, A. M. C. (2011). Determinants of customers’ intention to use Islamic personal financing: The case of Malaysian Islamic banks. Journal of Islamic Accounting and Business Research, 2(1), 22–42. https://doi.org/10.1108/17590811111129490 Anshori, M., & Iswati, S. (2009). Buku ajar metodologi penelitian kuantitatif. Surabaya: Pusat Penerbitan dan Percetakan Unair. Arifin, S. (2017). Digitalisasi pariwisata Madura. Jurnal Komunikasi, 11(1), 53. https://doi.org/10.21107/ilkom.v11i1.2835 Arniati, Arsal, M., Akhmad, A., Asdar, A., & Adiningrat, A. A. (2020). Impression of student knowledge on decisions become a customer of Islamic banks. International Journal of Business Economics (IJBE), 1(2), 145–152. https://doi.org/10.30596/ijbe.v1i2.4284 BPS. (2021). Jumlah dan persentase penduduk miskin di Provinsi Jawa Timur menurut kabupaten/kota, 2017-2021. Diakses dari https://jatim.bps.go.id/statictable/2021/12/13/2289/jumlah-dan-persentase-penduduk-miskin-di-provinsi-jawa-timur-menurut-kabupaten-kota-2017-2021.html Devi, A., & Firmansyah, I. (2019). Developing halal travel and halal tourism to promote economic growth: A confirmatory analysis. Journal of Islamic Monetary Economics and Finance, 5(1), 193–214. https://doi.org/10.21098/jimf.v5i1.1054 Dharmmesta, B. S., & Handoko, T. H. (2000). Manajemen pemasaran: Analisa perilaku konsumen. Yogyakarta: BPFE-Yogyakarta. Effasa, A. S., & Ain, F. A. (2017). Faktor-faktor yang mempengaruhi rendahnya minat pedagang muslim dalam menggunakan jasa bank syariah mandiri kc Sumberrejo-Bojonegoro. Jurnal Fakultas Ekonomi, 8(1), 41–53. Farida, Zulaikha, & Putro, E. H. (2020). Desentralisasi wisata religi Indonesia melalui city branding wisata kabupaten Bangkalan Madura. Bricolage Jurnal Magister Ilmu Komunikasi, 6(2), 223–234. https://journal.ubm.ac.id/index.php/bricolage/article/view/2149 Fathurrahman, A., & Zulfikar, F. (2020). Empirical determinants of saving in Islamic Banks at Tasikmalaya City. Falah: Jurnal Ekonomi Syariah, 5(2), 58–69. https://doi.org/https://doi.org/10.22219/jes.v5i2.13303 Ghozali, I. (2018). Aplikasi analisis mutivariate dengan program IBM SPSS 25. Semarang: Badan Penerbit Universitas Diponegoro. Jaelani, A. (2017). Halal tourism industry in Indonesia: Potential and prospects. International Review of Management and Marketing, 7(3), 25–34. https://doi.org/10.2139/ssrn.2899864 Kotler, P., & Keller, K. L. (2018). Marketing management. In S. Yagan (Ed.), Essentials of Management for Healthcare Professionals (14th ed.). New Jersey: Prentice Hall International, Inc. https://doi.org/10.4324/9781315099200-17 Kurniawan, M. Z., & Gitayuda, M. B. S. (2020). Peran inklusi keuangan pada perkembangan UMKM di Madura. Conference on Innovation and Application of Science and Technology (CIASTECH), Ciastech, 97–104. http://publishing-widyagama.ac.id/ejournal-v2/index.php/ciastech/article/view/1852 Kusnandar, V. B. (2021). Sebanyak 97% penduduk Jawa Timur beragama Islam pada Juni 2021. Diakses dari https://databoks.katadata.co.id/datapublish/2021/09/18/sebanyak-97-penduduk-jawa-timur-beragama-islam-pada-juni-2021 Lestari, S., & Mukaromah, H. (2018). Literasi keuangan syariah pengelola koperasi pondok pesantren An-Nawawi Kec. Gebang, Kab. Purworejo. An-Nawa: Jurnal Hukum Islam, 1(1), 61-87. Maulana, F. R., Hasnita, N., & Evriyenni, E. (2020). Pengaruh pengetahuan produk dan word of mouth terhadap keputusan nasabah memilih bank syariah. JIHBIZ :Global Journal of Islamic Banking and Finance, 2(2), 124. https://doi.org/10.22373/jihbiz.v2i2.8644 Mujahidin, A. (2017). Factor of public interest to islamic banking services. International Journal of Development Research, 07(10), 16318–16322. Nitisusatro, M. (2020). Perilaku konsumen dalam perspektif kewirausahaan. Bandung: Alfabeta. Novita, E., & Aqliyah, H. (2018). Faktor penyebab rendahnya minat UMKM di Kecamatan Pamijahan dalam memilih pembiayaan pada bank syariah. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 1(1), 132–160. https://doi.org/10.47467/elmal.v1i1.294 Otoritas Jasa Keuangan. (2021). Statistik Perbankan Indonesia (19th ed.). Otoritas Jasa Keuangan. Diakses dari https://www.ojk.go.id/id/kanal/perbankan/data-dan-statistik/statistik-perbankan-indonesia/Pages/Statistik-Perbankan-Indonesia---Oktober-2021.aspx Qodariyah, L. (2014). Membaca peluang kyai dalam upaya penguatan lembaga perbankan syariah di Madura. Dinar: Jurnal Ekonomi Dan Keuangan Islam, 1(2), 1-12. https://doi.org/10.21107/dinar.v1i2.2727 Rahmawati. (2016). Manajeman pemasaran. Samarinda: Mulawarman University Press. Rahmawati, E. N., Kafid, N., & Wijaya, T. (2017). Analisis faktor penyebab rendahnya minat masyarakat memilih produk pembiayaan pada bank syariah. Anil Islam, 10(1), 3–24. Rini, H. Z. (2017). Peran perbankan syariah terhadap eksistensi UMKM industri rumah tangga batik laweyan. Academica: Jurnal of Multidisciplinary Studies, 1(1), 68–80. Rosana, F. C. (2021, January). Tak capai 10 persen, OJK sebut indeks literasi keuangan syariah masih rendah. Diakses dari https://bisnis.tempo.co/read/1424676/tak-capai-10-persen-ojk-sebut-indeks-literasi-keuangan-syariah-masih-rendah/full&view=ok Sabani, A. (2012). Analisis faktor-faktor yang mempengaruhi rendahnya minat masyarakat muslim menabung pada bank syariah di Kota Palopo. Tesis tidak dipublikasikan. Makassar: UIN Alauddin. Setyani, I., Damelia, D., & Puspita, D. W. (2013). Model inklusi keuangan pada UMKM berbasis pedesaan. JEJAK: Jurnal Ekonomi Dan Kebijakan, 6(2). https://doi.org/10.15294/jejak.v6i2.3885 Shinta, A. (2011). Manajemen pemasaran. Malang: Universitas Brawijaya Press. Subagyo, P., & Djarwanto. (2014). Statistika induktif. Yogyakarta: BPFE-Yogyakarta. Sujarwo, M., & Sari, A. I. (2015). Perkembangan nasabah dalam menggunakan produk perbankan Syariah Mandiri Tbk. BENEFIT: Jurnal Manajemen Dan Bisnis, 2(1), 102–114. Supriyadi, Rahman, A., Fauzan, & Hana, U. A. (2021). Optimalisasi pariwisata syariah dalam upaya peningkatan ekonomi lokal masyarakat Madura. Greenomika, 3(2), 56–66. Wardani, I. S. (2020). Persepsi etnis Madura terhadap perbankan syariah. Skripsi tidak dipublikasikan. Malang: Universitas Islam Negeri Maulana Malik Ibrahim Zainuddin, Z., Hamja, Y., & Rustiana, S. H. (2016). Analisis faktor dalam pengambilan keputusan nasabah memilih produk pembiayaan perbankan syariah (Studi kasus pada PT Bank Syariah Mandiri Cabang Ciputat). Jurnal Riset Manajemen Dan Bisnis, 1(1), 1–12.

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