UIN (Universitas Islam Negeri) Sunan Kalijaga, Yogyakarta: E-Journal Fakultas Ekonomi dan Bisnis Islam
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Exploring the World of Islamic Banking: Getting to Know, Accept, and Use
Get PDFThe majority of Indonesia\u27s population is Muslim, which means that it has great potential to become a center for the development of Islamic finance, including Islamic banking. However, the results of an OJK survey found that only 21.48% of Indonesia\u27s population is classified as well-intentioned. This shows the low level of financial literacy of the Indonesian people. It can be said that the development of Islamic finance in Indonesia which is still relatively low is due to the lack of financial literacy of the people. Therefore, this service aims to provide additional insight regarding the introduction of Islamic banking, products produced by Islamic banking, the benefits of using Islamic banking. It is hoped that with this discussion of information, public understanding regarding Islamic banking will increase. To carry out these activities, our team disseminates understanding of Islamic banking by providing information and opening discussions through posts we make on Instagram. In the future, it is hoped that the public will be able to pass on this information to a wider audience and be able to use Islamic banking wisely
The Influence of Macroeconomic Variables on Inflation After Inflation Targeting Framework Implementation in Indonesia
Get PDFThe global economic crisis that occurred in 1997, which led to the collapse of the rupiah exchange rate and soaring inflation, made the country realize the importance of economic stability. The problem was then responded by Bank Indonesia by implementing the Inflation Targeting Framework policy. The focus of this study is to observe the inflation condition in Indonesia after the implementation of the Inflation Targeting Framework policy. The purpose of this study is to see the influence of macroeconomic variables such as Gross Domestic Product (GDP), Interest Rates, and Exchange Rates on Inflation in Indonesia. The method used is Vector Error Correction Model (VECM) analysis with the research period from 2005Q4-2021Q4. The results found that GDP and interest rates have a positive effect on inflation. While the Exchange Rate has a negative effect on inflation in Indonesia
Analysis of the Influence of Perceived Benefits, Easiness and Risk on Students’ Interest in Using QRIS
Get PDFResearch Aims: This research aims to examine the influence of the perceived benefits, easiness, and risks toward students’ interest in using QRIS among STEI SEBI students.
Methodology: This type of research uses descriptive quantitative methods by collecting data through questionnaires and literature. The data obtained is then managed using the SEM-PLS (Structural Equation Modeling-Partial Least Square) tool with the SmartPLS version 4 application which goes through inner model and outer model tests.
Research Findings: The results of this study indicate that the perceived usefulness have a positive and significant effect on the intention to use QRIS, the perceived ease of use has a positive and significant effect on the intention to use QRIS, and the perceived risk has a positive and significant effect on the intention to use QRIS.
Theoretical Contribution: There have been many studies on interest in using QRIS. However, since this study focused on students’ interest will enrich and strengthen the existing theory.
Research limitation and implication: This study limited to student of STEI SEBI. Consequently, the result might be differed with others and biased. Therefore, the future research should enhance the object of study and the variables
Analysis of The Influence of Information Quality, Ease of Use, and Trust on Online Purchase Decisions on Shopee (Research On Users Of The Shopee E-Commerce Platform At Muhammadiyah University Yogyakarta)
Get PDFResearch Aims: This study aims to analyze of the influence of information quality, ease of use, and trust on online purchase decisions on shopee (study of shopee.co.id buying and selling site users at yogyakarta muhammadiyah university).
Methodology: The study employs a quantitative survey approach, targeting all students, particularly female students, at Muhammadiyah University of Yogyakarta. The sample comprises 100 respondents from the Faculty of Economics and Business. The data analysis involves Multiple Linear Regression, Simultaneous Significance Test (F Test), Individual Parameter Significance Test (t-test), and Coefficient of Determination Analysis (R²).
Research Findings: The findings indicate a notable and positive impact of information quality, ease of use, and mutual trust on online purchasing decisions at Shopee. Specifically, information quality, ease of use, and trust each individually exhibit a significant positive influence on online purchasing decisions at Shopee.
Theoretical Contribution: The theoretical contribution of this research lies in its comprehensive assessment of multiple factors and their individual impacts on online purchasing decisions. The study enriches existing theoretical frameworks related to e-commerce and consumer behavior, paving the way for more nuanced and context-specific investigations in the field.
Implication: The implications suggest actionable steps for Shopee to enhance its online platform, build trust, and tailor strategies to influence information quality, ease of use, and trust for more effective online purchasing decisions
Analisis Potensi Ekonomi Pesantren Berbasis Kewirausahaan melalui Media Wakaf Produktif untuk Pemberdayaan Umat di Masa Pandemi Covid-19
Get PDFPandemi Covid-19 memiliki dampak yang signiikan terhadap ekonomi di dunia. berbagai kebijakan diberlakukan guna mengatasi penyebaran Covid-19, seperti physical distancing, social distancing, pemakaian masker, hingga pembatasan sosial berskala besar (PSBB). Terjadinya penurunan aktivitas manusia, para pelaku usaha khususnya usaha mikro, kecil dan menengah tidak sedikit yang mengalami gulung tikar disebabkan melemahnya laju ekonomi. Hal ini disebabkan salah satunya adalah lumpuhnya kegiatan usaha masyarakat. Tujuan penelitian ini yakni mengidentifikasi niat santri/santriwati dalam pengembangan wakaf produktif di lingkungan pesantren selanjutnya wajaf produktif tersebut salah satunya digunakan sebagai pemberdayaan ekonomi umat. Metode yang digunakan dalam penelitian ini yakni pendekatan statistik dengan mengadopsi model Structural Equation Modelling (SEM). Metode pengumpulan data dalam penelitian ini yakni menggunakan kuesioner dengan teknik puposive sampling yang ditujukan kepada seluruh santri dan santriwati di Yogyakarta. Hasil penelitian menunjukkan bahwa religiosity dan knowledge menunjukkan hasil yang signifikan terhadap attitude serta attitude dan perceived behavioral control selanjutnya memengaruhi intention untuk berwakaf secara signifikan. Namun, subjective norm menunjukkan hasil yang tidak signifikan terhadap intention berwakaf di kalangan santri/santriwati. Oleh karena hasil tersebut, maka pegembangan wakaf dikalangan pesantren harus ditingkatkan untuk selanjutnya dimanfaatkan untuk pengembangan ekonomi Umat
Pengaruh Foreign Direct Investment, Inflasi, dan Pengangguran terhadap Ketimpangan Pendapatan dengan Corruption Perception Index sebagai Variabel Moderasi
Get PDFABSTRACT
This study aims to analyze the effect of Foreign Direct Investment (FDI), inflation, and unemployment on income inequality with the Corruption Perception Index (CPI) as a moderating variable for the 2012-2021 period in eight developed countries. Hypothesis testing using MRA regression. This study took secondary data from The World Bank and Transparency International (TI), in this study using 80 samples obtained from 8 countries consisting of Bangladesh, Egypt, Indonesia, Iran, Malaysia, Nigeria, Pakistan, and Turkey. The results of the study show that Foreign Direct Investment (FDI) has a significant negative effect on income inequality and unemployment has a significant positive effect on income inequality while inflation has no effect on income inequality. In addition, the moderating variable used, namely the Corruption Perception Index (CPI), proved unable to moderate the three independent variables used in this study. The main contribution of this research is that it can provide good indicators for decision-makers in developing countries in terms of increasing FDI, increasing employment, overcoming inflation, and reducing the level of corruption so that later it can help prevent income inequality in developing countries
Getting to Know Non-Fungible Tokens (NFT) and Decentralized Finance (DeFi) In The Era of Society 5.0
Get PDFBackground: In 2022 a student traded his selfies for a profit of 1.7 billion rupiah and managed to attract the attention of the world community.
Objectives: This research aims to review the concepts of NFT and DeFi and to determine their utilization value.
Novelty: Value of benefits (Maqashid Sharia) in NFT and DeFi
Research Methodology / Design: The method used is a literature study with a phenomenological approach and the grand theory is analyzed using a constant comparison technique (qualitative).
Findings: The research results explain that NFT is a digital work such as art, music, and photos that are traded using blockchain technology. DeFi is a financial ecosystem built by blockchain technology by providing financial services using cryptocurrency as an investment tool with easy and transparent access without being controlled by any financial institution. DeFi and NFT will build a more advanced financial industry by presenting decentralized financial services in the era of society 5.0. With just an internet connection and a compatible device, people can access various financial services without having to rely on account books, mobile banking, and so on.
Implication: Its presence will open up new avenues for digital financial technology in the future. NFT and DeFi contain beneficial values in terms of maqashid sharia, namely hifzu al-din (protecting religion), hifzu al-\u27aql (protecting reason), hifzu al-nafs (protecting the soul), hifzu al-nasl (protecting offspring, and hifzu al-mal (protecting property)
Peran Investasi Asing Langsung dan Bantuan Luar Negeri dalam Mendorong Pertumbuhan Ekonomi: Efek Moderasi Stabilitas Politik Di Negara D-8
Get PDFThe economic growth of D-8 countries is influenced by factors such as foreign aid, foreign direct investment (FDI), and political stability. This study analyzes the impact of these variables on the economic growth of developing countries in the Organization for Islamic Cooperation (OIC). Data collected from 2012 to 2021 were analyzed using Eviews 9 software. The results of the analysis indicate that foreign aid has a significant and positive effect on economic growth. Foreign aid promotes domestic investment, accelerates economic growth, and reduces development gaps. Additionally, foreign direct investment also contributes positively to the economic growth of developing countries through technology transfer, access to new markets, job creation, and increased domestic investment. Creating an environment that supports FDI is crucial, including clear investment policies, legal protection, and adequate political stability. Political stability plays an important role in strengthening the influence of foreign aid on economic growth. For future research, it is recommended to deepen the understanding of the interaction between foreign aid, foreign direct investment, and political stability in the context of economic growth in developing countries. Other factors that can affect economic growth should also be considered. The findings of this study provide valuable insights for policymakers in creating favorable conditions for economic growth and development in developing countries
Potential Development of Islamic Fintech in Supporting the Growth of the Halal Industry
Get PDFBackground: The halal industry and Islamic fintech are two sectors that are growing rapidly. Both have great potential to support the growth of the Islamic economy and finance. However, there is still potential that has yet to be fully utilized in the development of Islamic fintech to support the growth of the halal industry.
Objectives: This paper aims to identify the potential development of Islamic fintech in supporting the growth of the halal industry and analyze the implications of such development.
Novelty: This study provides a deeper understanding of the potential and implications of the development of Islamic fintech in the context of the halal industry. This study also guides industry players in utilizing Islamic fintech to support the growth of the halal industry and strengthen the literature and knowledge related to the development of Islamic fintech in the context of the halal industry.
Research Methodology / Design: This study uses a qualitative research approach by conducting a literature review on the development of Islamic fintech and the halal industry. The data obtained is compiled and analyzed to identify the potential development of Islamic fintech in supporting the growth of the halal industry.
Findings: This study reveals several important findings. First, government involvement in regulatory development has supported the growth of Islamic fintech in the halal industry. Second, collaboration between the technology industry and the financial sector has accelerated the progress of Islamic fintech and optimized financial accessibility in the halal industry. Third, the improvement of Islamic financial literacy and education is an important factor in increasing the adoption of Islamic fintech in the halal industry. Lastly, the utilization of appropriate technologies, such as blockchain and artificial intelligence, has boosted the growth of the halal industry through Islamic fintech.
Implication: The development of Islamic fintech can make a positive contribution to the growth of the halal industry by providing financial solutions that comply with Sharia principles. This opens up opportunities to increase the competitiveness of the halal industry globally. The implications of this study can also serve as a guide for the government, technology industry, Islamic financial institutions, and halal industry players in optimizing the development of Islamic fintech and increasing financial inclusion in the halal industry
Synergy of Islamic Social Finance and SMEs in Economic Recovery Due to The Covid-19 Pandemic
Get PDFBackground: The existence of MSMEs in Indonesia constitutes the most significant part of the national economy and indicates community participation in various sectors of economic activity. One of the solutions offered in facing the financial crisis is the Islamic social finance sector.
Objectives: The research aims to analyze concepts in dealing with the economic crisis caused by the Covid-19 pandemic in Indonesia.
Novelty: The novelty of the research contains ideas for SMEs in economic recovery after the Covid-19 pandemic using an Islamic philanthropic approach.
Research Methodology / Design: This research method is qualitative descriptive analysis with an inductive reasoning approach through content analysis and library research.
Findings: The results of this research show that efforts are needed to recover the economy due to the Covid-19 pandemic by synergizing the concept of philanthropy, namely Zakat, Infaq, Shadaqah, and Waqaf (ZISWAF) with MSMEs, namely optimizing the collection and distribution of ZISWAF funds by implementing GCG (Good Corporate Governance). Collecting digital-based ZISWAF funds, mapping the distribution of regional-based ZISWAF funds, and developing MSMEs by strengthening capital, developing potential businesses, strengthening technology-based MSMEs, and empowering MSMEs based on regional potential..
Implication: Based on the research, this research implications for SMEs in business recovery with various funding innovations and business development models