Rumah Jurnal ISNJ Bengkalis - Institut Syariah Negeri Junjungan Bengkalis
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Revealing The Impact Of Regional Government Function Budget Patterns On Achievements SDG 11 In Indonesia
Full text linkThis study aims to analyze the influence and effectiveness of local government budget allocations on nine main functions in achieving SDG 11 in Indonesia, focusing on decent and affordable housing. This study uses a quantitative method with 1,424 observations from 356 provinces/districts/cities during 2019–2023 through propositional sampling techniques, and it was analyzed using individual regression. The study results indicate variations in the influence of budget allocations on achieving SDG 11. The budget for public services, housing and public facilities, tourism, and culture negatively affect SDG 11. In contrast, the budget for the environment and education positively affects SDG 11, while the budget for the economy, health, and social protection does not show an effect. Control variables, such as government age and status, positively affect, while geographical location has no effect. The theoretical implications of this study strengthen the theory that appropriate budget allocation can improve access to decent housing, clean water, and sanitation. Practically, this study guides local governments in formulating more effective budget allocation policies to support social development and the achievement of SDG 11 in a sustainable manner
Mediating Role Of Brand Image In Digital Marketing And E-WOM On Islamic Bank Customer Decisions
Full text linkThe present study aims to analyze the effects of digital marketing and Electronic Word of Mouth (E-WOM) on brand image, then examine the effects of digital marketing and Electronic Word of Mouth on the decision to be an Islamic bank customer and analyze the effects of digital marketing and Electronic Word of Mouth on the decision to be an Islamic bank customer through brand image as a mediating variable. The research type used in the present study was quantitative, using primary data obtained by distributing questionnaires. By distributing questionnaires, 100 respondent data was found and analyzed using SPSS version 26. The sampling techniques used by the author were the snowball sampling technique and nonprobability sampling. The criteria for the research sample were Islamic bank customers and social media users. Because the size of the research population was unknown, the present study used Lemeshow’s formula. The research results showed that digital marketing had a significant effect on brand image, Electronic Word of Mouth had a considerable effect on brand image, and digital marketing significantly affected the decision to become an Islamic bank customer. In contrast, Electronic Word of Mouth did not significantly affect the decision to be an Islamic bank customer. Brand image positively and significantly affects the decision to become a customer
Pelatihan Kewirausahaan Pembuatan Produk Hiliran Minyak Pati Serai Di MARDI Kuala Linggi
Full text linkPelatihan kewirausahaan pembuatan produk hiliran minyak pati serai ini dilaksanakan di MARDI Kuala Linggi, bertujuan untuk memberdayakan masyarakat lokal dalam mengolah sumber daya serai menjadi produk bernilai tinggi. Minyak serai yang memiliki kandungan antiseptik, antimikroba, dan antioksidan sangat potensial dikembangkan menjadi produk kesehatan dan kecantikan seperti sabun, minyak pijat, dan aromaterapi. Program ini menggunakan metode ABCD (Asset-Based Community Development) yang melibatkan empat tahapan utama: pemetaan aset lokal, pembangunan koneksi dengan pihak terkait, keterlibatan aktif masyarakat, dan implementasi pelatihan pembuatan produk. Hasil pelatihan menunjukkan peningkatan signifikan dalam keterampilan peserta dalam proses produksi dan pengemasan, serta pemahaman dalam pemasaran produk. Evaluasi pascapelatihan mengungkapkan bahwa peserta berhasil memproduksi produk hiliran dalam skala kecil dan mulai memasarkan produk secara lokal. Pelatihan ini diharapkan dapat memberikan dampak positif yang berkelanjutan, menciptakan peluang usaha baru, serta meningkatkan pendapatan dan kesejahteraan ekonomi masyarakat MARDI Kuala Lingg
Factors Affecting MSMEs' Interest In Using Sharia Crowdfunding Mediated By Perception
Full text linkThis study aims to analyze the influence of Sharia compliance, subjective norms, and knowledge on the interest of MSME actors in using Sharia crowdfunding mediated by perception. This study uses a quantitative approach with a population of 155,696 MSMEs in Kendal Regency. Sampling used a purposive sampling method with specific criteria, so a sample size of 97 MSME actors was obtained. The data source uses primary data obtained from questionnaires distributed via Google Forms. The study results indicate that Sharia compliance, subjective norms, and knowledge positively affect the interest of MSME actors in using Sharia crowdfunding. Sharia compliance and subjective norms have a positive effect on perception. However, knowledge does not affect perception. Then, perception cannot mediate the relationship between Sharia compliance, subjective norms, and knowledge with the interest of MSME actors in using Sharia crowdfunding. This study can provide insight into the relationship between Sharia compliance, subjective norms, and knowledge with interest and perception. This research can be a reference for future research and for Islamic financial institutions to increase the interest of MSMEs in using Islamic crowdfunding. It can also be more extensive in campaigning against usury, especially for MSME actors
Global Research Patterns In Islamic Finance: A Bibliometric Analysis
Full text linkThis study aims to map the gaps in understanding the direction of development in Islamic finance, trending topics, and areas that require further research. This study is a literature review through bibliometric analysis taken from scientific publication data related to Islamic finance published in the Scopus database from 1990-2024. The analysis includes developing the number of publications by country, institution, author, and the relationship between journals, authors, and research topics. Visualization of bibliometric networks with VOSviewer and Biblioshiny to identify key topic areas. The results show that Malaysia has the most research, with 3558 articles. M. Kabir Hassan is the most influential author. The International Islamic University Malaysia (IIUM) is the affiliate with the most publications, and some keywords have not been widely researched, such as crypto, bitcoin, and others. This study can be used as new academic research based on topics such as blockchain technology, crypto, and bitcoin, subject norms, planned behavior, Islamic microfinance, and Islamic stock. This research can make it easier for academics to understand research trends in Islamic finance so that they can provide innovations in further research
Funding Liquidity Risk, Bank-Specific Variables And Profitability Of Islamic Rural Banks
Full text linkThis research investigates the impact of funding liquidity risk and some bank-specific variables on the profitability of Islamic rural banks in Indonesia, for the case of Islamic rural banks located on Sumatera Island. This study examines 41 Islamic rural banks with quarterly data from 2019: Q1 to 2023: Q4. Panel regression with unbalanced panel data is then employed. For further analysis, we make an interaction between funding liquidity risk and bank size to investigate whether large banks benefit from their size associated with the impact of funding liquidity risk on profitability. Our results confirm that funding liquidity risk lowers profitability. More importantly, large Islamic rural banks face less risk associated with the impact of funding liquidity risk on profitability than small Islamic rural banks. Results also highlight the importance of strong bank fundamentals such as efficiency in supporting profitability. This research has two important implications, theoretically and practically. First, from a practical perspective, funding liquidity risk reduces profits because Islamic rural banks dare to take investment risks to obtain high income. Second, Islamic rural banks must be able to manage maturity mismatch so that the negative impact of funding liquidity risk on profits can be minimized
Enhancing Islamic Bank Performance: The Role Of Sharia Supervisory Board Attributes And Intellectual Capital
Full text linkIslamic banks are required to establish a sharia supervisory board (SSB). In that sense, there is a need to gain insight into whether the characteristics of the sharia supervisory board affect the performance of Islamic banks. This research investigates the effect of SSB size, sharia background, financial background, gender diversity, and the moderating effect of intellectual capital on the performance of Islamic banks in Indonesia, Malaysia, and Brunei Darussalam during 2011-2021. The data used in this study is taken from the annual reports of Islamic banks, as many as 269 observation data, and analyzed through the panel data regression. The results show that the financial background and gender diversity variables among SSBs impact the performance of Islamic banks in the countries. Theoretically, this study strengthens the relevance of resource dependence theory in Islamic banking by highlighting that more extensive and diverse boards attract expertise, networks, and legitimacy that support performance. Practically, this study can serve as a reference for practitioners and policymakers to underline the strategic importance of board composition, gender diversity, and intellectual capital investment as drivers of ethical compliance and financial stability
Factors Influencing Gen Z's Intention In Adopting Islamic Fintech Payment Digital Services
Full text linkExtensive studies on Islamic financial technology (fintech) have been conducted, while attention to its specific impact on Generation Z still needs to be paid. This research analyses the influence of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit on Generation Z's intention to adopt a Sharia-compliant digital fintech payment system. This research uses a survey-based quantitative approach. This research relies on primary data sources through questionnaires. The population of this study was Generation Z from the Garut district, while the sampling technique used random samples using Hair measurements, so 143 samples were obtained. The data analysis technique uses SEM-PLS, assisted by the SmartPLS application. The research results prove that social influence and habit have a positive and significant effect on Generation Z's intention to adopt Islamic fintech digital payment services, while performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, and price value have no effect on Generation Z's intention to adopt payment services Islamic digital fintech. This research can become literature for further research. It can be used as a reference for the Islamic fintech industry to develop products and services that are more attractive to Generation Z
Islamic Bank Performance Assessment Using SATF Value
Full text linkThis study aims to evaluate the performance of Islamic banks based on the shidiq, amanah, tabligh, and fathona (SATF value) approach. The type of research is descriptive quantitative using secondary data. The research population is all Islamic Commercial Banks (ICB) operating in Indonesia for 2018-2022. The sampling technique uses saturated samples. The data combines ICB annual financial reports issued by the Financial Services Authority (FSA) and literature studies. The data analysis technique uses simple additive weighting (SAW). The research results show that Shidiq's performance shows high public confidence in Islamic bank savings products. Amanah's performance shows that the distribution of financing and carrying out responsibilities to bring benefits still need to be higher. Tabligh's performance shows that the level of Islamic compliance carried out by banking operations is Islamic. Fathona's performance shows that Islamic banking still needs to be optimal in increasing human resources (HR) capability or quality. Overall, the results of evaluating the performance of Islamic banking in Indonesia using the SATF value model during 2018-2022 are entirely satisfactory, with the SATF performance value increasing from year to year. The results of this research can be a reference for future research and provide valuable guidance for maintaining and improving Islamic banking performance while actively correcting any identified weaknesses or deficiencies
MSMEs Marketing Strategies Through The Use Of Social Media: A Systematic Literature Review
Full text linkThis research aims to analyze literature regarding marketing strategies used by MSMEs in 2019-2023, as well as analyze the impact of the use of social media by MSMEs in marketing strategies. This research uses a systematic literature review method. The number of articles found was 54, which matched the criteria and keywords of this research theme. The research results show that Sinta indexes more published articles, publication trends increase yearly, and most research types use a qualitative approach. An effective marketing strategy helps increase sales for MSMEs because it can save production costs, and social media platforms become a resource that can reach consumers widely. MSME marketing strategies via social media in 2019-2023 mostly use Instagram, Facebook, and TikTok. This research can be used as a reference for future research. This research can also be used as a reference for MSME owners in implementing marketing strategies, especially social media, to improve performance through product innovation and creativity in marketing