UIN (Universitas Islam Negeri) Sunan Kalijaga, Yogyakarta: E-Journal Fakultas Ekonomi dan Bisnis Islam
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Understanding of Accounting and Gender on Financial Literation Levels
Get PDFThis study aims to analyze the effect of understanding accounting and gender on the level of financial literacy of postgraduate students in the economic education program at Surabaya State University. This research uses a quantitative approach. The study showed that the level of financial literacy of postgraduate students of economic education courses at UNESA was 19.7% at the high level, 32.4% at the moderate level, and 47.9% at the low level. The level of financial literacy shows an average of 60.49, and the meaning is moderate. Accounting understanding shows an average of 70.28, and it means that the level of accounting understanding is moderate. The participation rate was 43.7% male and 56.3% female. The level of financial literacy of students in the female gender group was higher than male, female by 62.00 (62.00> 60) which means moderate, and male by 58.55 (58.55 <60) which means low. Based on data analysis, it can be concluded that accounting understanding has a significant effect on the level of financial literacy of postgraduate students in economic education programs at UNESA. Meanwhile, gender has no significant effect
Trust on Sharia M-Banking: Evidance on Milenials Generations
Get PDFThis study aims to examine the trust of millennial generation in the role of sharia mobile banking in the ease of solving their financial problems. The increased use of smartphones has made the banking industry provide mobile banking services to facilitate and increase customer productivity. The level of trust in sharia mobile banking is measured using the Technology Acceptance Model (TAM). Based on TAM, trust is determined by Perceived Easy of Use (PEoU), Perceived Usefulness (PU), Attitude to Product (ATP), and Intention to Use (ITU). This study uses an independent survey, with a total sample of 330 sharia mobile banking users spread throughout Indonesia. Data analysis techniques used in this study used SB-SEM (Covariance Based-Structural Equation Modeling) with AMOS software. The results showed that PEoU had a positive effect on PU, PEoU had a positive effect on ATP, PU had a positive effect on ATP, ATP had a positive effect on ITU, and ITU had a positive effect on Trust. Overall millennial generation has a high level of trust in sharia mobile banking, because sharia mobile banking is easy to use and makes it easy to solve their financial problems
Assessing the Online Purchasing Behavior during the Covid-19 Pandemic: A Case Study in the Kingdom of Bahrain
Get PDFThe Covid-19 pandemic has disrupted consumer habits of buying and shopping. It is anticipated that online purchasing transactions are increased during the pandemic, since the consumers are urged to stay home and practice new normal behavior. This study examines the online purchasing transactions in the Kingdom of Bahrain during the pandemic. Particularly, the study investigates the impacts of product price, product availability, social media, product details, and easiness toward online purchasing decision during Covid-19 pandemic. Using hand-collected data from 200 respondents, the study discovers that all variables have significant impacts toward online purchasing behavior in the Kingdom of Bahrain during the pandemic age
Public\u27s Perception and Preference Towards Halal Tourism
Get PDFHalal tourism is a sector that has an important role in the economic development. For that, the main purpose of this study is to explore the perceptions and preferences of public towards halal tourism. It also aims to describe the level of importance performance of the halal tourism indicators in Semarang City and Kendal Regency. The design of this study was descriptive with quantitative approach. Data collection technique in this paper are randomly distributing questionnaires to 400 respondents. The halal tourism dimension is adapted from indicators applied by the Indonesian Muslim Travel Index. Then, the data analyzed by Gap Analysis and Importance Performance Analysis. The Result obtained that there are some indicators have low performance where as the level of influence is high, some indicators with level of influence followed by good performance, some indicators that have low level of influence and the performance is not good, and the indicators that the influence level is low but its performance is goo
Socialization of Professional Zakat as An Effort to Raise Awareness of The Community Alms of Nitikan Village, Sorosutan Village, Umbulharjo District, Special Region of Yogyakarta
Get PDFCommunity service activities are carried out by holding socialization on the importance of giving alms to women PKK (Family Welfare Empowerment) in Nitikan Village, Umbulharjo District, Yogyakarta City. This activity aims to increase public awareness and understanding of zakat payment. This activity takes the form of socialization using lecture and question and answer methods. The material consists of the definition of zakat, ashnaf zakat, zakat payment methods and case examples. The participants of the socialization consisted of 20 PKK (Family Welfare Empowerment) mothers in Nitikan village, 1 student from Widya Mataram University, and 1 student from Sarjanawiyata Tamansiswa University.Keywords: Zakat, awareness, understanding, society
Fundraising Waqf at Micro Waqf Banks in Realizing People\u27s Welfare
Get PDFWaqf has enormous potential in helping to realize the welfare of the people. Waqf is included in the category of muamalah teachings where the recommendation to implement it is sunnah. The realization of community welfare which is the main goal of waqf can be realized if waqf is managed in a productive way. Productive management of waqf funds certainly cannot be separated from the existence of waqf fundraising. This study aims to determine how waqf fundraising at Micro Waqf Banks. The type of research in this study used a qualitative type of research using descriptive methods. Sources of data needed to assist research obtained through primary and secondary data. The process of collecting data in this study was obtained through observation, interviews, and documentation. Furthermore, data analysis is carried out through several stages which include data reduction, data presentation, and then drawing conclusions and verification. The results showed that the fundraising of waqf in the Micro Waqf Bank Bahrul Ulum Barokah Sejahtera Tambakberas Jombang was obtained from LAZNas (National Zakat Amil Institution) then the funds were managed and distributed productively by the Micro Waqf Bank in the form of business loans with a group system to the community around the pesantren.
Factors that Influence Business Success
Get PDFBusiness today seems to be something that must be owned by someone. Because in business we can arrange for themselves what is in it, unlike the case with work or become employees with many attachments in it. In running a business, it is very necessary for a leader who is wise in making decisions and can arrange for his subordinates to be able to bring the company led to success. A leader must be able to solve every problem that threatens the company. Various attempts were made so that the problem can be solved appropriately without bringing negative influence. Someone who founded a business must have an initial goal to be achieved, because with the goals can increase the enthusiasm for leaders and subordinates in achieving that goal so they will always work hard to achieve that goal. This discussion is intended to broaden the reader\u27s insight so that he can run his business, especially in dealing with various obstacles or problems that come. This study uses the literature review method which requires some literature derived from journals as a reference. This research shows that there are many success factors in doing business, not just mere activities, but there are others that are important to know
Exploring the Brand Effect of Islamic Bank on the General Population of Scotland
Get PDFThe United Kingdom (UK) currently has one of the most attractive regulatory and tax systems in the world for Islamic finance, as well as being far ahead of other western nations for provision of Islamic finance, with five sharia-compliant banks. Yet despite this, the patronage of these banks is extremely low, often times below that of smaller building societies. While the largest Islamic bank in the UK, Al Rayan (formerly Islamic Bank of Britain), have one third of its customer base have religious affiliations other than Islam, and a further 80% of all fixed-term deposits also patroned by non-Muslims. This study explores why general consumers do not pursue patronage with Islamic banking.This is an inductive research enquiry that uses descriptive statistics within a social constructivist paradigm to construct a line of reasoning, based on the primary data is collected through detailed questionnaire (n=29).The findings from this research highlight the need for Islamic banks to better fund information programmes, advertisements and promotions to further spread awareness of their offerings as consumers are positive in their reception to Islamic finance concepts but unaware of its offerings
Fund Ownership of Sharia Banking According to Islamic Economic Political Perspective
Get PDFThe concept of ownership in Islamic economics states that individuals or legal entities that have the right to ownership of a property may use it freely as long as it does not violate Islamic economic principles and the public interest. However, for Islamic banking, the ownership of funds used as business capital comes from investor customers who deposit their funds in Islamic banks. This has an effect on the ownership status of these funds. This article uses a descriptive literature research method taken from various factual references with a focus on using a normative juridical approach. This type of research is qualitative research using data analysis through several steps such as focusing data, presenting funds and drawing conclusions. The results of this study reveal the fact that the ownership rights of funds in Islamic banking are sourced from the first party funds as the bank\u27s founder, the second party funds as shareholders and third party funds as investor customers. Ownership of these funds cannot be separated from the contract mechanism used. So that the contract used is the cause of Islamic banks having ownership rights to use these assets for business activities. The use of these funds is guaranteed by law, which shows the role of Islamic economic politics through the legal umbrella that regulates the operational system of Islamic banking, especially in the permitting of the use of investor funds for business activities through the mechanism of channeling funds and service mechanisms
Wakaf Literation to Appear An Interference in Mentify for Milenial: Implementation for Students in Madrasah Aliyah State 4 Bantul
Get PDFCommunity service is carried out by conducting endowment socialization for high school / MA students in order to foster social awareness through endowments, bearing in mind that the community\u27s understanding of endowment is only synonymous with parents and those who have wealth. Through waqf literacy with waqf tests strategies aimed at assessing students\u27 understanding of waqf, fostering interest in waqf among students or the community itself, creating students and communities who are socially aware through waqf. This method of socialization uses the method of direct teaching patterns, questions and answers, and assignments or tests. The socialization participants consisted of 33 students from class XI IPS MAN 4 Bantul. The total number of pre-test and post-test questions is 10 questions that are true or false. Where each question has 10 points. From the results of the pre-test evaluation, an average value of 59.39 was obtained with a vulnerable value of 30-70 and the results of the post-test evaluation obtained an average value of 81.21 with a vulnerable value of 70-100. The results of the overall evaluation there was a significant increase in value of 21.82, the results showed the method was considered quite useful in terms of grades and enthusiasm of the students. Apart from that, there are a number of questions that show that students are truly enthusiastic about endowments.Keywords: waqf literacy, readability, waq