Rumah Jurnal ISNJ Bengkalis - Institut Syariah Negeri Junjungan Bengkalis
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Generation Z’s Interest In Using Online Shop Applications From User Interface And Usability Factors
Get PDFThis research aims to analyze and show the influence of user interface and usability on interest in using the Shopee application among Generation Z in Medan City and its surroundings. This type of research uses a quantitative approach. The population of this research is all Generation Z users of the Shopee application in Medan City, an unknown number. The sampling technique uses random sampling. The sample was measured using the Lemeshow formula, and a sample of 97 respondents was obtained. Data sources use primary data from questionnaires and secondary data from articles, books, and websites. The SmartPLS 3.0 application assisted the data processing process carried out by researchers with structural equation model (SEM) analysis techniques. The research results show that the user interface positively and significantly influences interest. Usability also positively and significantly influences interest. Theoretically, this research contributes to refining existing theories. Practically, it can be used as a reference for companies engaged in providing services in the form of mobile applications to pay more attention to user interface and usability factors in their systems, especially e-commerce companies, to create positive preferences among consumers to attract their interest in using the system
Moderation Effect Of Debt Policy On Factors Affecting Company Value In The Jakarta Islamic Index
Get PDFThis study analyzes the factors that affect the company's value, moderated by the debt policy. The population in this research is 49 companies listed on the Jakarta Islamic Index (JII). Determination of the sample using purposive sampling method to obtain 15 companies. The data analysis technique used moderated regression analysis (MRA). The study's results partially found that dividend policy and institutional ownership do not affect firm value. Company growth positively and significantly affects firm value. Debt policy negatively and significantly affects firm value. Debt policy cannot moderate the effect of dividend policy and company growth on firm value. However, debt policy can moderate the effect of institutional ownership on firm value. Research can complement existing theories and become a reference for company management in advancing companies and investors in investing capital
Financial Performance Of Islamic Insurance Companies Before And During The Covid-19 Pandemic
Get PDFThis research aims to analyze the comparative financial performance of Islamic insurance companies before and during the Covid-19 pandemic. The financial performance measured refers to the early warning system ratios, which consist of the underwriting, liquidity, own retention, premium stability, and loss ratios. This research is a descriptive quantitative research using the Wilcoxon test. The research population is all Islamic insurance companies registered with the Financial Services Authority (FSA) for 2018-2021. The sample was selected based on purposive sampling so that 48 observation data were obtained. Data comes from financial reports obtained through the official FSA and Company websites. The research results show significant differences in financial performance before and during the pandemic in the liquidity and loss ratio variables. However, there is no significant difference in financial performance before and during the pandemic in the underwriting ratio, own retention ratio, and premium stability ratio variables. This research can complement existing theories and become a reference for companies to evaluate and improve their financial performance, especially after the Covid-19 pandemic
Factors Influencing The Disclosure Of Islamic Social Reporting In Islamic Commercial Banks
No full textThis study aims to analyze and show the effect of return on equity (ROE), financing to deposit ratio (FDR), company size, size of the Islamic supervisory board (ISB), and company age on the disclosure of Islamic social reporting (ISR) in Islamic commercial banks (ICB) in the period 2018-2020. This quantitative study uses secondary data, namely annual reports of ICB. The population of this study is ICB registered with the financial services authority (FSA) in 2018-2020, totalling 14 ICB. The sampling technique uses a purposive sampling method so that 12 samples. Data analysis technique using multiple linear regression method with panel data. The results show that ROE, FDR, company size and age significantly affect ISR disclosure. Meanwhile, the size of the Islamic supervisory board does not affect ISR disclosure. Simultaneously ROE, FDR, firm size, size of the Sharia supervisory board, and firm age significantly affect ISR disclosure. This research can complement the existing theory and can be a reference for ICB management to improve the disclosure of social responsibility for the better
BMT Development Strategies In The Era Of Covid-19 Pandemic With A SWOT Analysis Approach
Get PDFThis research aims to analyze the strengths, weaknesses, opportunities, and threats to the positioning and development strategy of Baitul Maal Wa Tamwil (BMT) in West Java in the Era of the Covid-19 Pandemic. The descriptive qualitative research method was used. The study was conducted at 6 BMTs in the West Java region Technique of data analysis used is SWOT analysis. The results of the calculation of the SWOT matrix produce several alternative strategies, namely utilizing government support for Islamic banking by increasing the types of Sharia products, approaching potential investors even though capital is limited considering the public interest in the Islamic economy is very high, making regional regulations on sharia economics, establishing cooperation and partnerships with other financial institutions to obtain capital, capacity building of human resources, training, and development activities through partnerships with other banks that apply sharia principles. The implications of the results of this research are as input material for the development of new policies, strategies, and efforts to develop BMT both in the pandemic era and after the Covid-19 pandemic and to develop theories for alternative strategies in developing BMT in the Covid-19 pandemic era
Moderation Effect Of Islamic Social Reporting On Influences Of Islamicity Performance Index On Financial Performance Of Islamic Banking
Get PDFThis study aims to analyze the effect of the Islamicity performance index on financial performance through Islamic social reporting as a moderating variable. This research uses quantitative methods. This study used purposive sampling to take samples from a total population of 18 Islamic commercial banks (ICB) to obtain five representative ICB samples. The data source uses secondary data in the form of information originating from the official ICB website. Data analysis used multiple linear regression and moderated regression analysis (MRA). The results showed that the zakat performance ratio, Islamic income vs. non-Islamic income ratio, and Islamic social reporting did not affect financial performance. However, the profit-sharing ratio has a significant effect on financial performance. Islamic social reporting can moderate the effect of the profit-sharing ratio on financial performance. However, Islamic social reporting cannot moderate the variable zakat performance ratio and Islamic income vs. non-Islamic income ratio on financial performance. This research can complement existing research and be a reference for ICB management disclosing information to stakeholders by applying Sharia principles
Determinants Of The Decision To Become An Islamic Bank Customer
Get PDFThis research investigates the influence of word of mouth, company image, and brand image on customers' decisions to become customers of Islamic banks. This research method is quantitative, using primary data through questionnaires. The research population includes all customers of Bank Sumsel Babel Syariah Palembang Branch. Samples were taken using an accidental sampling technique with 160 respondents. Data analysis was carried out using structural equation modelling using the Partial Least Square method. The research results show that word of mouth, company image, and brand image positively influence the decision to become a customer at an Islamic bank. The results of this research can complement existing theories and be a reference in developing Islamic banking policies, improving services, and customer interest in Islamic banks. In addition, the results of this research also provide valuable insights for future scientific research
Financial Performance On Firm Value Mediated By Islamic Performance At Islamic Commercial Banks In Indonesia
Get PDFThis research aims to prove the influence of financial performance on company value, which is mediated by Islamic performance. The method used is panel data regression and path analysis using secondary data from Islamic commercial bank's (ICBs) annual reports in Indonesia. The population in this research is ICBs in Indonesia registered with the Financial Services Authority (FSA) in 2017-2021, totaling 14 ICBs. The sampling technique uses purposive sampling to obtain a sample of 10 ICBs. The research results prove that return on assets (ROA) and capital adequacy ratio (CAR) partially have a positive effect on the sharia maqashid index (SMI). Operational cost operational income (OCOI) partially does not affect SMI and firm value. CAR and SMI partially have a positive effect on firm value. ROA partially does not affect firm value. SMI can mediate the influence of ROA and CAR on firm value, but SMI cannot mediate the influence of OCOI on firm value. This research can complement existing theories and be a reference for Islamic banking in improving the implementation of SMI indicators and for the government in designing Islamic banking performance measurement models integrated with SMI indicators
A Systematic Literature Review Of Religiosity On Customers' Decisions In Choosing Islamic Bank
Get PDFThis research aims to identify the influence of religiosity in determining customers' decisions to choose an Islamic bank using a systematic literature review (SLR) approach. The SLR stages start from identifying, assessing, and interpreting literature, resulting in 18 articles in 18 journals published in 2015-2022, indexed by SINTA, and having E-ISSN. The results of this research indicate that the influence of customer religiosity still has opportunities and challenges to be improved, as indicated by the low religiosity factors of each customer, such as the lack of religious calling that underlies attitudes and behavior, the basis for prohibiting usury and use limited to profit interests. The indicators of religiosity used to influence customers' decisions to choose an Islamic bank are the quality of Islamic products, avoiding riba transactions, the principle of profit sharing, and Islamic features. The research in the sample has a gap in results so it can become a gap for further research. The research proposals obtained in improving customer decisions are increasing religiosity, meeting customer needs, and the effectiveness of Islamic financial literacy. This research can be used as a reference for further research regarding the role of religiosity in influencing customers' decisions to choose Islamic banks
Comparison Of Android-Based Personal Financial Management Applications With Variative Financial Conditions
Get PDFFinancial planning puts individuals in a better position to understand, manage and make financial decisions. Currently, there are various Android-based applications available to help manage personal finances. This study aims to make a comparison of Android-based personal financial management applications. Recording of 12 types of financial transactions is carried out using three financial management applications, namely Money Lover, Keuangan Pribadi Ku, and Catatan Keuangan Harian. Revenue, expenditure, and realization budget data have surplus, balanced, and deficit conditions prepared for input and processing in the three applications, with a comparison using ten parameters. The results of this study indicate that the three applications have standard features that can be used as tools in personal financial management. However, the Keuangan Pribadi Ku application does not provide features to handle recording when the financial condition is in a deficit and can only run well in balanced and surplus financial conditions. Meanwhile, the Money Lover dan Catatan Keuangan Harian provides features to record surplus, balanced, and deficit financial conditions. This research has contributed to increasing understanding and awareness of the importance of utilizing supporting technology in personal financial management and providing consideration for users in choosing a personal finance management application that suits their needs