Rumah Jurnal ISNJ Bengkalis - Institut Syariah Negeri Junjungan Bengkalis
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Boosting MSMEs: how digital financial innovation and financial literacy fuel access to finances
Full text linkPurpose – This study explores how digital financial innovation and literacy collectively promote access to finance and MSMEs growth in Bali, Indonesia. Intends to ascertain how these two factors combine to enhance access to finance and, subsequently, MSME growth. Method – Data collection was carried out through questionnaires using a quantitative approach. The study targeted the owners of MSMEs in Bali, using purposive sampling to select 200 respondents who have actively utilized digital financial services. The data were analyzed using structural equation modeling (SEM) to quantify the associations among key variables. Findings – The results show that financial literacy is an important mediator in ensuring digital financial innovation translates into access to finance and, subsequently, MSME growth. This, therefore, offers strong proof that a boost in financial literacy among MSME owners in developing countries will further sweeten the benefits of digital financial innovations into better chances of securing finance for business expansion. The research explores how financial literacy and digital financial innovation expand access to finance and MSME development in Bali, using disruptive innovation theory, theory of access to finance, theory of financial literacy, and TAM. Evidence confirms financial literacy as an essential mediator, increasing the impact of digital finance. Implications – Theoretically, this integrates multiple frameworks; practically, it demands increased financial literacy awareness to harness digital innovation value to MSME development and inclusion fully
Penguatan Literasi Tentang Aturan DSN-MUI Mengenai Prinsip Tabungan Dalam Keuangan Syariah Di PPTQ Daarul Fath Pengging Boyolali
Full text linkStrengthening understanding of DSN-MUI rules regarding the Principles of Savings in Sharia Finance is a strategic effort to increase Islamic financial literacy among the community, especially students at the Daarul Fath Pengging Boyolali Tahfidzul Qur'an Islamic Boarding School (PPTQ). Limited understanding of sharia-based savings principles has the potential to be an obstacle in the implementation of the Islamic financial system in accordance with sharia provisions. Therefore, this service program is designed to provide a comprehensive understanding of the concept of sharia savings based on the provisions that have been stipulated in the DSN-MUI fatwa, as well as to increase students' awareness in implementing it in their daily lives. The implementation of this program adopts various methods, including socialization, counseling, interactive discussions, and simulations of sharia savings practices. The main target of this activity is PPTQ Daarul Fath students, with an approach based on education and direct experience to maximize the effectiveness of learning. Evaluation of the success of the program was carried out through measuring the level of understanding of participants using the pre-test and post-test methods, as well as the distribution of questionnaires to analyze the development of participants' understanding before and after participating in the activity. The results of the evaluation showed a significant increase in students' understanding of the concept, benefits, and mechanism of sharia savings as stipulated in the DSN-MUI fatwa. The majority of participants were able to understand and internalize the basic principles of sharia savings, which is expected to be the starting point in building sharia-based financial awareness in the pesantren environment. Furthermore, this program is expected to make a positive contribution to the development of the Islamic economy in society at large
Literasi Publik Goes To School: Strategi Cerdas Untuk Mengatasi Investasi Ilegal di SMAN 1 Bukit Batu
Full text linkTujuan dari pengabdian Masyarakat ini adalah untuk memberikan pengetahuan dan pemahaman awal tentang pasar modal kepada Masyarakat sejak dini, memberikan pengetahuan dan pembekalan dasar (basic knowledge) tentang pasar modal kepada masyarakat sejak dini, memberikan pengetahuan praktis mengenai investasi dan produk– produk investasi di pasar modal kepada masyarakat sejak dini. Metode yang digunakan dalam pengabdian Masyarakat ini dengan menggunakan metode dengan memberikan bimbingan dan pengetahuan dan pembekalan dasar (basic knowledge). Sasaran utama dari kegiatan ini adalah para siswa-siswi yang sedang menempuh Pendidikan di SMAN 1 Bukit Batu. Jumlah siswa dan siswi yang mengikuti kegiatan ini sekitar 150 orang dan kegiatan dilakukan secara offline. Kegiatan ini membahas tentang pemahaman mahasiswa mengenai pasar modal syari’ah dan pengetahuan masyarakat untuk berinvestasi di Pasar Modal Syari’ah yang mengakibatkan perekonomian negara akan menurun, karena investasi merupakan salah satu faktor yang mempengaruhi pertumbuhan ekonomi
Determinants of global Islamic bank profitability: a multi-country analysis
Full text linkPurpose – This study examines the effect of net operating margin, capital adequacy ratio, and operating expense ratio on return on assets with non-performing financing as a moderating variable. Method – The object of this research is all the strongest world banks listed on the TabInsight page, according to the Asia Banker, for 2020-2023. The result of purposive sampling is 71 companies with a total observation data of 284. The data collected were analyzed using panel data regression and moderation regression to test each hypothesis. Findings – The test results show that the net operating margin positively affects return on assets. The operating expense ratio negatively affects return on assets. At the same time, the capital adequacy ratio variable does not affect returns on assets. Furthermore, the non-performing financing weakens the effect of the capital adequacy ratio on return on assets. Conversely, the non-performing financing cannot moderate the effect of net operating margin and operating expense ratio on return on assets. Implications – Theoretically, this research can complement existing theories in finance and banking, especially in analysing the profitability of banks or Islamic financial institutions. Practically, these research results and the measurement of the proper financial performance of banks will be a reference for investors in determining plans
Dominant role of corporate image and trust in building customer satisfaction in Islamic life insurance
Full text linkPurpose – This study analyses the influence of service quality, corporate image, customer value, and trust on customer satisfaction at PT. Asuransi Jiwa Syariah X Samarinda branch. Method – This study uses a quantitative approach, where the data comes from questionnaires distributed to 100 customers. The data analysis technique uses multiple linear regression analysis through the SPSS 22 program. Findings – The study's results indicate that, partially, corporate image and trust positively affect customer satisfaction, while service quality and value do not affect customer satisfaction. Implications – This study has practical implications for Islamic insurance companies, especially in improving corporate image and building customer trust. Theoretically, this study strengthens the theory that image and trust affect customer satisfaction
Pengembangan Industri Kreatif Tenun Songket Berbasis Potensi Budaya Lokal Di Desa Sebauk Dalam Meningkatkan Kesejahteraan Masyarakat
Full text linkPengembangan industri kreatif tenun songket di Desa Sebauk berfokus pada pemanfaatan potensi budaya lokal untuk meningkatkan kesejahteraan masyarakat. Inisiatif ini bertujuan untuk melestarikan dan mengembangkan kerajinan tenun songket yang telah menjadi bagian integral dari identitas budaya lokal, mendorong pertumbuhan industri tenun songket sebagai bagian dari ekonomi lokal yang berkelanjutan, menyiapkan generasi muda sebagai penerus dalam industri ini, memberikan pengetahuan tentang tenun songket kepada generasi muda dengan harapan dapat meningkatkan pendapatan mereka. Kerajinan ini tidak hanya memberikan nilai ekonomi, tetapi juga memperkuat ikatan sosial dan budaya dalam komunitas. Metode yang digunakan adalah Metode diskusi, Focus Group Discussion (FGD), pelatihan, pendampingan, evaluasi dan monitoring, Adapun hasil dari pengabdian ini produk tenun songket yang dihasilkan memiliki kualitas tinggi dengan motif yang beragam, mencerminkan identitas budaya Desa Sebauk, mendorong generasi muda untuk aktif dalam industri ini, sehingga mereka dapat berkontribusi pada pelestarian budaya dan peningkatan ekonomi local dan pelatihan dan promosi, industri tenun songket diharapkan dapat berkembang secara berkelanjutan, memberikan manfaat jangka panjang bagi masyarakat Desa Sebauk. Adapun kesimpulan hasil pengabdian ini pengembangan industri kreatif tenun songket berbasis potensi budaya lokal di Desa Sebauk merupakan langkah strategis untuk meningkatkan kesejahteraan masyarakat melalui pelestarian budaya dan pemberdayaan ekonom
Islamic performance index for mustahiq empowerment by zakat collection institution
Full text linkPurpose – This study aims to measure the performance of the Dompet Dhuafa North Sumatra Zakat collection institution in the transformation of mustahiq empowerment using the Islamic performance index (IPI) model. Method – This type of research is field research using a comparative descriptive method with a quantitative approach. Primary data was obtained through online and offline questionnaires. Meanwhile, secondary data was obtained from the annual report of the Dompet Dhuafa North Sumatra Zakat institution. The research population was 1896 Mustahiq in 2023. Using Slovin's formula, the sample size was 330 mustahiq. The analysis technique used in this study is the IPI model. Findings – The findings of this study demonstrate that the IPI model is applicable for assessing the performance of amil zakat institutions in enhancing the welfare of mustahiq. Nevertheless, in this study, the augmentation of material income is negligible, specifically, 25 mustahiq among 330 respondents. The increase in mustahiq religiosity significantly after acquiring zakat, infaq, and sadaqah, encompassing 316 mustahiq individuals. Implications – This research makes an important contribution to the literature on sharia-based zakat management by introducing the IPI model as a more holistic and integrated evaluation tool. On the practical side, the findings of this research provide valuable guidance for zakat institutions in designing more impactful and sustainable mustahiq empowerment programs
Enhancing consumer loyalty through Islamic experience-based marketing in legendary culinary businesses
Full text linkPurpose – This study examines the impact of the Islamic experiential marketing strategy and value co-creation on customer loyalty, considering customer satisfaction as a mediating variable. This study develops a model integrating subjectivist spirituality within Islamic marketing to improve consumer experiences and loyalty. Method – This study utilizes a quantitative method, analyzing survey data obtained from 265 consumers of renowned culinary establishments in Medan city, where the sample was selected using a purposive sampling method. Data was analyzed using structural equation modeling (SEM) to investigate the relationship between variables and the research instruments underwent validation and reliability tests. Findings – The findings show that Islamic experiential marketing strategy positively affects customer satisfaction. Islamic experiential marketing strategy negatively affects customer loyalty. Value co-creation negatively affects customer satisfaction. Value co-creation positively affects customer loyalty. Customer satisfaction positively affects customer loyalty. Customer satisfaction can mediate the relationship between Islamic experiential marketing strategy and value co-creation with loyalty. Implications – This study can extend the existing literature on Islamic marketing by integrating subjectivist spirituality, thereby enhancing understanding of the factors that drive consumer loyalty. These findings are of practical importance to culinary businesses looking to increase consumer engagement and retention by integrating Islamic values into experiential marketing strategies and co-creation, enabling businesses to foster lasting consumer relationships while upholding Islamic marketing practices
Sociopolitical identity, religiosity, and motivation toward intention in Islamic banking: a behavioral reasoning theory extension
Full text linkPurpose – This research analyses the factors influencing Indonesia's largest Muslim communities' intention to utilize Islamic banking services. Method – Employing a quantitative methodology, this study targeted members of Nahdlatul Ulama (NU) and Muhammadiyah as the population. The sample consisted of 343 respondents, determined using Hair theory and selected through purposive sampling. Data was collected through a structured questionnaire and analyzed using structural equation modeling (SEM) to evaluate measurement and structural models. Findings – The findings reveal that normative beliefs significantly shape subjective norms and influence individuals' intentions to engage with Islamic banking services. Additionally, religiosity positively affects attitudes toward these services, reinforcing existing literature linking religious values to financial decision-making. Implications – Theoretically, this study implies the development of behavioral reasoning theory in Islamic finance. Practically, this study provides valuable insights into marketing strategies promoting financial inclusion among diverse religious communities
Financial performance of banking sector: the role of board gender diversity as a moderating factor
Full text linkPurpose – This study examines the impact of the cost-to-income ratio (CIR), loan-to-deposit ratio (LDR), and capital adequacy ratio (CAR) on return on equity (ROE), with board gender diversity (BGD) as a moderating factor. Firm size (SIZE) and non-performing loans (NPL) are included as control variables. Method – A panel data regression approach using the fixed effect model (FEM) is applied, covering 47 banking companies listed on the Indonesia Stock Exchange (IDX) between 2021-2023, resulting in 141 observations. Findings – The findings show that CIR and LDR negatively affect ROE. CAR and SIZE positively affect ROE. BGD negatively affects ROE but strengthens the negative relationship between CIR, LDR, and ROE. However, BGD cannot moderate the relationship between CAR and ROE. NPL shows do not affect ROE. Implications – These results have important implications for banking management and regulators, emphasizing the need for strategies to enhance operational efficiency, improve liquidity risk management, and strengthen governance through gender diversity on boards. The theoretical implications of this study suggest that gender diversity on boards can improve strategic decision-making and risk management. From a practical standpoint, the insights are particularly relevant to the banking sector in Indonesia, where such practices can contribute to both improved financial performance and sustainable governance