UIN (Universitas Islam Negeri) Sunan Kalijaga, Yogyakarta: E-Journal Fakultas Ekonomi dan Bisnis Islam
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Pengaruh Tingkat Pemahaman Masyarakat terhadap Produk Pegadaian Syariah Kota Makassar
Get PDFPenelitian ini bermula dari rendahnya pemahaman masyarakat tentang Pegadaian Syariah, yang disebabkan oleh mayoritas pengguna layanan keuangan Pegadaian berasal dari golongan ekonomi menengah ke bawah. Umumnya, mereka tidak memiliki tingkat pendidikan yang tinggi, sehingga pemahaman mereka mengenai Pegadaian Syariah masih terbatas. Penelitian ini bertujuan untuk menilai dampak tingkat pemahaman masyarakat terhadap produk yang ditawarkan oleh Pegadaian Syariah Kota Makassar. Metode penelitian yang digunakan dalam penelitian ini adalah metode kuantitatif. Teknik pengumpulan data yang dilakukan berupa observasi, kuesioner, dan dokumentasi. Jumlah populasi sebanyak 822.750 orang dan menggunakan sampel slovin sehingga diperoleh 100 responden. Hasil penelitian ini membuktikan berdasarkan perhitungan uji regresi linier sederhana, Koefisien regresi Xsebesar 0,784memberikan arti bahwa Tingkat Pemahaman Masyarakat (X) berpengaruh Positif terhadap Produk Pegadaian Syariah (Y). Hal ini menunjukkan bahwa dengan meningkatnya Tingkat Pemahaman Masyarakat, makaterjadi peningkatan pada Produk Pegadaian Syariah. Sebaliknya, jika Tingkat Pemahaman Masyarakat menurun, makaterjadi penurunan pada Produk Pegadaian Syariah.Hasil penelitian ini menunjukkan bahwa hipoteisis diterima dikarenakan Tingkat Pemahaman Masyarakat (X) dengan Nilai thitung (12.608) > ttabel (1.984) serta nilai signifikannya (0,000) < (0,05) sehingga terbukti bahwa varibel Tingkat Pemahaman Masyarakat berpengaruh Positif dan signifikan terhadap Produk Pegadaian Syariah, maka pada tingkat kekeliruan 5% dinyatakan untuk hipotesis diterima
The Behavioral Intention of Citizens to Finance Smart City Development in Indonesia through Civic Crowdfunding
Get PDFIn order to foster the creation of sustainable and habitable urban areas that cater to the needs of all residents, it is imperative to construct new infrastructure and concurrently ensure the upkeep and modernization of existing ones. This is where the concept of smart cities becomes instrumental, exerting a profound impact on the broader urban landscape. However, a significant challenge lies in securing the financial resources required for the development of smart cities, particularly in the midst of the current economic downturn. As a solution to this challenge, the present study proposes the implementation of an Integrated Civic Crowdfunding Model (ICCM) to finance the development of smart cities in East Java, Indonesia. Based on this proposed model, the study delves into the willingness of citizens to adopt ICCM. To achieve this, an analysis is performed utilizing Partial Least Squares on primary data collected through a survey administered to residents of East Java, specifically in Surabaya (SmartPLS). Additionally, the study assesses the model\u27s adoption in practice by incorporating an extended Technology Acceptance Model (TAM). The study\u27s results reveal that factors such as the perceived usefulness, perceived ease of use, and perceived benefits positively influence residents\u27 intentions to use ICCM, thereby contributing to the advancement of smart cities in Indonesia. Furthermore, there is a favorable correlation and direct impact of perceived ease of use on the perceived utility of ICCM among citizens. These findings can serve as a foundation for the development of a specialized framework for examining other aspects of the ICCM model and devising relevant intervention strategies for the enhancement of smart cities in East Java.
Originality/Value: The originality of this study lies in its introduction and application of the Integrated Civic Crowdfunding Model (ICCM) to finance the development of smart cities in East Java, Indonesia
Effect Of Environment Arrangement on Increasing Halal Tourism Visitors
Get PDFA healthy environment is an environment that has clean air, water and soil conditions and is free from pollution, and the area owned supports the creation of a healthy community. Automatically the environment will be protected from things that cause health problems, such as liquid, solid and gas waste. Also, avoid animals carrying disease germs, harmful chemicals, excessive noise pollution and other negative things. Conceptually, what can overcome environmental crises is to make eforts to preserve the environment by reforestation. The word preservation comes from "sustainable", which means to remain as it was before, not change, and last forever. At the same time, preservation means the process, method, act of preserving, protection from destruction and damage, preservation, conservation, and management of natural resources, which guarantees their wise use and the continuity of their supply while maintaining and increasing the quality, value and diversity. Environmental preservation is an effort to deal with problems that arise in an area. Therefore the 108 Thematic KKN Group 11 held environmental preservation, which applied the concept of greening by utilizing existing land around Halal Tourism belonging to the Islamic Boarding School, which is located on Jalan Wonosari KM 25 Dusun Joban, Beji Village, Patuk District, Special Region of Yogyakarta. This activity is a form of the community service program. The greening concept is carried out by planting several types of tree seeds by utilizing the land around the area. This greening activity is expected to raise a sense of community concern to always care for and care for the surrounding environment, in addition to providing skills and knowledge about making kokedama from coconut coir waste as a growing medium for ornamental plants
The Determinant of Indonesia Enterpreneur’s Intention to Pay Zakat: Does Government Support Matter?
Get PDFThis study aims to analyze the entrepreneur’s behavior to pay zakat and to formulate the role of zakat institutions such as the National Zakat Board (BAZNAS) and Amil Zakat Institution (LAZ) in improving total zakat collection. Total respondents in this research are 751 entrepreneurs across 28 provinces in Indonesia. Partial least squares structural equation modeling (PLS-SEM) was used to know the entrepreneur’s behavior in paying zakat. Attitude toward moral reasoning, influence of religious leaders, peer influence, zakat knowledge, zakat system structure, enforcement of zakat law, and government support affect the interest of entrepreneurs to pay zakat. However, the attitude toward zakat evasion and transparency of zakat management does not affect the interest of entrepreneurs to pay zakat. The role of the government is getting a spotlight in this study because of its significance in formulating relevant policies to increase the interest of entrepreneurs to pay zakat. The establishment and supervision of zakat institutions as well as the issuance of supportive regulation is considered important in this study
The Influence of Work Motivation and Organizational Commitment on Job Satisfaction at the Department of Population and Civil Registration of Barito Kuala Regency
Get PDFThis study aims to analyze the effect of work motivation and organizational commitment on job satisfaction at the Department of Population and Civil Registration, Barito Kuala Regency. This research is explanatory. This researcher uses a questionnaire with 70 employees of the Population and Civil Registration Office of Barito Kuala Regency as a sample, using a saturated sample technique. Measurement of variables using a Likert scale technique with a weight scale from 1 to 5. To determine the effect of the variables studied, namely Work Motivation and Organizational Commitment on Job Satisfaction, the Multiple Linear Regression analysis tool was used. The analysis results show that work motivation has a negative and significant effect on job satisfaction. This means that the higher the work motivation of an employee, the lower the level of job satisfaction. The organizational commitment has a positive and significant effect on job satisfaction, which means that the higher the organizational commitment in an employee, the higher the level of job satisfaction of employees at the Population and Civil Registration Office of Barito Kuala Regency
Peran Organisasi Non Pemerintah Human Initiative Sumatera Utara Terhadap Pemberdayaan Ekonomi Masyarakat Pesisir Kota Medan
Get PDFSuccess in development depends not only on a dynamic private sector and an efficient public sector but also on a robust civil society sector. The purpose of this research is to examine more deeply the role of the North Sumatra Human Initiative non-governmental organization for the economic empowerment of the coastal communities of Medan city, and to conduct a SWOT analysis (Strength, Weakness, Opportunity, Threat) regarding the potential for economic empowerment of the coastal communities of the Medan city, then to formulate a policy strategy. It is suitable to be applied to a community empowerment program in the final stage to recommend strategic opportunities or potentials to be developed for HI North Sumatra. The research approach uses descriptive qualitative with the SWOT analysis technique to analyze data. The research results were obtained in the last two years, the North Sumatra Human Initiative NGO was supported by PT. Pertamina has organized an economic empowerment program for the coastal communities of Medan City. In line with this, the vision and mission of the Medan City government are to prioritize economic empowerment for coastal communities. Therefore, the Medan City Government, the private sector, and NGOs are expected to be able to construct the economic development of the Medan City community to become more advanced and prosperous
Analisis Perilaku Masyarakat Untuk Ber-Ziswaf Secara Digital Melalui Layanan M-Banking Syariah Menggunakan Modifikasi Utaut
Get PDFTujuan penelitian untuk menganalisis dan memprediksi determinasi niat berperilaku masyarakat untuk ber-ZISWAF secara digital dengan adopsi layanan m-banking syariah. Model yang digunakan adalah Unified Theory of Acceptance and Use to Thechnology (UTAUT) dengan menambahkan konstruk habit dan trust. Pengumpulan data dilakukan secara online melului google form. Analisis dengan PLS-SEM menggunakan SmartPLS 3.3.3 dengan jumlah sampel 146 respoden. Hasil penelitian menunjukan bahwa niat ber-ZISWAF secara digital melalui m-banking syariah dipengaruhi oleh performance expectancy dan habit secara signifikan mempengaruhi behavior intention. Namun variabel effort expectancy, facilitating condition dan social influence tidak signifikan pada behavior intention. Sedangkan untuk adopsi dipengaruhi habit dan trust secara signifikan mempengaruhi adopsi penggunaan (usage adoption) masyarakat pada layanan m-banking untuk ber-ZISWAF secara digital
Unraveling the Complex Dynamics of Islamic Social Reporting and Financial Performance: A Study of Mediating and Moderating Factors in Islamic Banks
Get PDFIslamic Social Reporting (ISR) is crucial for Islamic banks as it captures the extent of their adherence to social and ethical principles, which influences their financial performance. Drawing on stakeholder theory the primary objective of this study is to scrutinize the impact of ISR on the financial performance of Islamic banks in Indonesia, with a specific focus on the mediating and moderating roles of key governance factors, namely ownership concentration, bank size, board independence composition, and leverage. The study is based on data from ten Indonesian Islamic commercial banks from 2017 to 2020, utilizing regression models and Path SEM analysis for assessment. The findings reveal a positive impact of ISR on financial performance. Additionally, it is discovered that the board independence composition and leverage significantly moderate the ISR-financial performance relationship. However, the study does not find evidence of the mediating effects of ownership concentration and bank size. While the moderating roles of board independence composition and leverage align with prior research, the absence of mediation effects contrasts with previous studies.
Originality/Value: This research offers a distinct exploration of the relationship between ISR-financial and financial performance relationship within the specific context of Indonesian Islamic banks. It creatively probes the mediating and moderating impacts of select governance variables, a largely unexplored territory in extant literature. The findings of this study contribute to the theoretical framework of ISR\u27s influence on financial performance and provide actionable insights for policy and strategic decisions in Islamic banks. It underscores the potential of such studies to drive sustainable growth, thereby laying the groundwork for future research
Evolving Service Innovation for The Late-mover Industry: The Case of Islamic Banking
Get PDFResearch Aims: This paper examines how Islamic banking in Indonesia, as a late-mover industry, evolves service innovation to attract customers and compete with already established conventional banking.
Design/methodology/approach: This qualitative research examines Indonesian Islamic Banking as a case study. This study involves two stages: investigating the case in-depth, detail, and context analysis using secondary data from various sources and in-depth interviews with stakeholders. Triangulation was employed to validate the entire result using various methods and data source triangulation.
Research Findings: This research reveals that the development of service innovation in late movers is influenced by the sort of industry, the goals and values of the new industry\u27s establishment, the resources owned, and market characteristics. While the dimensions of service innovation developed by late movers typically focus on new value systems, they emphasise value; meanwhile, in terms of technical or working models of the innovation, they tend to replicate or modify from first movers
Blockchain Technology in Financial Transactions under Sharia Banking Practice
Get PDFThis research explores the potential impact of blockchain technology on fincancial transactions in Islamic banking, addressing challenges related to security, transparency, and efficiency. Employing a multifaceted approach, the study assesses the benefits of blockchain in Islamic finance through literature reviews and empirical investigations. Notably, blockchain enhances the security of financial transactions by leveraging robust cryptocurrency and decentralized consensus mechanisms, thereby mitigating fraud and manipulation risks. Additionally, blockchain facilitates currency exchange, a critical aspect of Islamic banking, ensuring transparency and adherence to Sharia standards. The research identifies increased efficiency in Sharia banking operations as a key advantage of blockchain technology, attributing it to the automated processes that reduce organizational costs and transaction processing times. Furthermore, blockchain enables more streamlined cross-border transactions, reduces reliance on external entities, and enhances market liquidity. Despite these benefits, the study emphasizes certain challenges in implementing blockchain in Islamic banking, such as the need for youth education, establishing a robust infrastructure, and gaining community trust in new technologies. Successful integration requires collaboration among Sharia banking organizations, regulators, and stakeholders, with clear guidelines and a deep understanding of blockchain innovation. Overcoming these challenges is crucial for unlocking the full potential of blockchain in enhancing the security, transparency, and efficiency of monetary transactions within Islamic finance