UIN (Universitas Islam Negeri) Sunan Kalijaga, Yogyakarta: E-Journal Fakultas Ekonomi dan Bisnis Islam
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Islamic Fintech: A Solution for Financial Problem
Get PDFThis research aims to examine the role of Islamic fintech in solving users’ financial problem. Furthermore, technology acceptance model (TAM) construct is used to explain individual acceptance on Islamic fintech. This research use self-administered survey including 185 Islamic fintech users spread all over Indonesia. This research provides empirical insights about user satisfaction on Islamic fintech product. It show that almost predictors have significant positive effect on user satisfaction. The TAM’s construct can predict and assess user perceptions on the use of new technologies or products. Furthermore, Islamic fintech makes it easy for users to solve their financial problems. This research proves that Islamic fintech product can be an option in solving financial problem without worrying about halal status
The Effect of Financing on Credit Risk: Empirically on Indonesian Islamic Banking
Get PDFIslamic banking has an important role in the economy, especially in moving the real sector. Islamic banking provides funding to the public in the form of financing. The financing provided cannot be separated from various risks that can threaten the health of the bank, one of which is financing risk. For that, the purpose of this study is to analyze the effect of financing on financing risk in Islamic banks for the period 2015 to 2020. The method used in this study is quantitative with multiple linear regression analysis techniques. This study uses time-series data and the variables in this study are mudharabah, musyarakah, murabahah, ijarah financing, and total assets as independent variables and NPF as a dependent variable. The results of the study concluded that total assets had a negative and significant effect on NPF and murabahah financing had a positive and significant effect on NPF. Meanwhile, mudharabah, musyarakah, and ijarah financing has no significant effect on NPF
Indonesian Islamic Banks and Financial Stability: An Empirical Analysis
Get PDFIslamic banking in Indonesia is very vulnerable to volatility in their business processes due to its small market share. Compared to conventional banks, seen from their financial performance, Islamic banks have a worse performance because of lower profit (ROA). This study examines the stability of Islamic banking in Indonesia. Stability is measured using the Z Score. The data in this study are aggregate data for Islamic commercial banks. The data used are monthly data from January 2015 to December 2019. This study uses the ARDL (Autoregressive Distributed Lag) method. The results of this study are that all independent variables OER, NPF, inflation, IPI, exchange rates have an effect on the stability of Islamic banking, except FDR. Lower efficiency and problematic financing increases the stability of Islamic banking. Meanwhile, macroeconomic factors, inflation and exchange rates, have a negative effect on the stability of Islamic banking. The economic downturn due to inflation and rupiah depreciation will increase the instability of Islamic banks
The Determinant of Sharia Banking Performance through Financing to Deposit Ratio as Moderator
Get PDFThe most concern for investors in both bank and non-bank institutions is the quality of the accounting information provided. Financial statements are considered important because they can determine decisions for each investor. Supporting performance in this era of globalization is accounting information system. Sharia banking\u27s good performance is supported by several factors including capital or operational ratios such as CAR, BOPO, and NPF. This study used pooled least square method with panel data in the period 2010 to 2018. The results showed that together the results showed that the variables NPF, CAR, BOPO have a positive and insignificant influence on ROA.
The Effect of Investment Opportunity Set, Capital Structure, Interest Rate and Inflation on Firm Value
Get PDFThe purpose of this study is to test the influence of investment opportunity set (IOS), capital structure, interest rates and inflation on the company\u27s values in the islamic index case studies of 2015 to 2019. It Uses the kind of quantitative research. The hypothetical testing used is the regression of the data panel using the micrsoft excells and the eviews-9 application. The sample retrieval technique USES an overwhelmingly sampling method with the number of samples as many as 13 companies. Data sources obtained from secondary data of financial statements accessed through private websites of the Indonesian stock exchange (BEI). The study shows that investment opportunity sets have a positive and significant impact on the company\u27s values, capital structures have a positive and insignificant impact on the company\u27s values, interest rates have a positive and insignificant impact and inflation is significantly negative and insignificant. The predictive ability of the four variables to the company\u27s value of 56.95% and the remaining 43.5% are affected by other variables not in the research model
Comparative Analysis of Factors Affecting the Underpricing Level of Sharia and Non Sharia Stocks at the time of Initial Public Offering
Get PDFUnderpricing is a condition where the stock price of a company when conducting an Initial Public Offering (IPO) is below the stock price when it is on secondary market. In Indonesia, stocks are divided into two types, namely Sharia stock and non Sharia stock. This study aims to determine the effect of underwriter reputation, investment risk, profitability, financial laverage, and company size on the level of underpricing of Sharia stock and non Sharia stock. The sampling technique used was purposive sampling. The analytical method used is linear multiple regression with the type of cross section data. The results of the study found that there are differences that effect the underpricing of Sharia stock and non Sharia stock. In Sharia stock, underpricing is only influenced by financial laverage, while in non Sharia stock underpricing is influenced by investment risk and company size. This study provides an overview to investors who have the aim of investing in companies that are IPOs for profit so that they carefully consider the influence of underwriter variables, investment risk, company size, financial laverage, and profitability. For companies, this research provides an overview to companies in order to make the right decisions in offering optimal stock prices. And for further researchers,
Socialization of Zakat and The Calculation Model for KAPMI Students (Indramayu Students and Students Family) in Yogyakarta
Get PDFThis study aims to assess the extent of adolescent knowledge about zakat and its calculations. Zakat itself is the third pillar of Islam, therefore we need to know in detail the types of zakat, its calculations, and to whom it is distributed. Zakat is a part of the property that must be issued by Muslims to be given to 8 asnaf as stated in the Qur\u27an and Sunnah. In Indonesia, there is the National Amil Zakat Agency (BAZNAS) whose task is to collect and distribute zakat, infaq and shodaqoh. BAZNAS has also arranged all zakat calculations from zakat fitrah, shares, agriculture, professions and many more.Keywords: Zakat, Zakat Calculation, BAZNAS
Analysis of the Potential of Billboard Waqf Product Development in Yogyakarta City
No full textToday, the management of waqf in Indonesia is not only concerned with the scope of consumptive waqf products. As an effort to optimize waqf assets in Indonesia, other forms of productive distribution have emerged, one of which is cash waqf. The advantage of this form of waqf is that there is flexibility in the allocation of use according to community needs. One form of the use of cash waqf is property leasing. Leasing is one of the most common economic utilization methods that have been used by waqf administrations to use the property represented (Afifi, 1991). One form of property waqf is to make a waqf wall for billboards that can be rented (Musaee, 2013). This form of leasing is in the form of multi-storey building walls, building roofs, and land adjacent to highways for advertising (Mahmoud, 2013). The selection of billboards as a form of distribution of waqf funds aims to increase the benefits of the invested waqf funds and be distributed to those in need. Researchers conducted a case study analysis in the city of Yogyakarta by considering the large number of billboards, namely 271 units (Independent Monitoring Forum, 2018). The method used in writing this paper is descriptive-explanative with a qualitative approach. The data used in this research is secondary data obtained through literature study. This study aims to determine the potential use of billboards for waqf. So, the output of this research will be an analysis of the potential development of billboard waqf products. Furthermore, this research is expected to become a reference for waqf fund channeling agencies in making innovations for the distribution of waqf funds in Indonesia. Thus, the benefits generated in society will be broader. Keywords: billboards, property, infrastructure, productive waq
Importance of Market Orientation and Product Innovation in Competitive Advantage for Improving Marketing Performance
Get PDFThis study aims to see how the role of product innovation and market orientation by Apple and Samsung companies in achieving competitive advantage to improve marketing performance. The method used in this study is a qualitative method with data sources derived from the opinions of relevant experts or researchers and then reviewed by researchers with a literature review to then draw a conclusion. The results show that Samsung is superior to Apple because Apple only emphasizes iPhone products with a focus on market orientation, while Samsung always innovates and is market-oriented with a variety of products. But both still excel in the world market. So that innovation and market orientation greatly affect the success of their marketing performance
Cassava Utilization Program as An Innovation to Make Getuk Gulung to Increase The Selling Value
Get PDFThe purpose of community service, is done so that people can use cassava into product innovation that has a sale value, so that it can increase the income of the people of Padamulya Village. The minimum performance indicator has an understanding to utilize cassava into product innovation. The target of the cassava utilization program as an innovation in getuk gulung products is the people of Padamulya Village, Especially Padamulya Village. The method used in this community service is counseling and workhop (training) methods, about the procedures for making product innovations from cassava such as getuk gulung si engkong. The results of community service activities are that the community has enthusiasm in knowing and gaining knowledge about cassava product innovation, it can be seen from the large number of participants participating in the training and the community wanting to follow up on the existence of business group programs and making Getuk Gulung as a superior product in Padamulya Village.Keywords: Product Innovation, Cassava, Community Servic