Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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The Application of Istisna' Contract in Islamic Micro Finance Institution (Case Study in Islamic Cooperative BMI)
Get PDFThis research aims to explore the implementation of the Istishna contract in investment financing at Islamic Cooperative BMI. The study addresses the issue that, fundamentally, the Istishna contract is a sales contract, not an investment contract. As a result, an in-depth analysis is needed to assess the permissibility of using Istishna in investment financing or to consider potential adjustments in the financing model or contract type. The research uses a qualitative descriptive approach, gathering data through interviews and secondary sources such as the cooperative’s website, reports, and guidelines. It examines how Istishna is applied in investment financing and its adherence to Sharia principles, aiming to determine its suitability for use in such financing at Islamic Cooperative BMI. The findings indicate that the Istishna contract used in investment financing at Islamic Cooperative BMI aligns more closely with DSN MUI Fatwa No. 06/DSN MUI/IV/2000 on Istishna, which involves a straightforward contract between two parties. This differs from DSN MUI Fatwa No. 32/DSN-MUI/IX/2002 on Sharia bonds, where Istishna is applied in investment schemes, and also does not align with DSN MUI Fatwa No. 22/DSN MUI/III/2002 on parallel Istishna, as the cooperative already has a company dealing in building materials. Although the Istishna-based financing at Islamic Cooperative BMI complies with DSN MUI Fatwa No. 06/DSN MUI/IV/2000, it is suggested that the cooperative adopt terms such as consumptive financing, productive financing, property ownership financing, or other appropriate terms for financing schemes involving Istishna contracts. This is because cooperative members act as buyers seeking financing for development projects like housing, sanitation, and clean water provision, rather than functioning as investors
The Effect of Tax Planning, Profitability, and Leverage on Company Value with Company Size as a Moderating Variable (Empirical Study of Manufacturing Companies Listed on the Indonesia Stock Exchange in the Period 2021-2023)
Get PDFThis study aims to analyze the effect of tax planning, profitability, and leverage on firm value with firm size as a moderating variable. This study was conducted on manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the period 2021-2023. The data used are secondary data from the company's annual report available on the IDX website. The analysis method applied is multiple linear regression; however, due to heteroscedasticity, handling is carried out using robust regression to ensure more reliable estimation results. The results of this study are expected to provide insight to investors in making investment decisions and to company management to increase company value through tax planning, profitability, and leverage that are managed effectively
The Impact of Digital Marketing on Traditional Market Clothing Traders (Case Study of The Inpres Market in Palu City)
Get PDFThis research aims to determine the impact of digital marketing on traditional clothing traders in Palu City and how traditional clothing traders respond to online traders. The type of research used was quantitative descriptive with a total of 150 clothing traders in traditional markets as respondents. Relationship variables were examined and analyzed using SPSS version 27 software. Based on the analysis results, it was found that there was a significant influence of digital marketing on traditional clothing market traders at the Inpres Market in Palu City
Economic Behavior of Anchovy Fishermen in Maintaining Their Business and Income Risk in Tlanakan District, Pamekasan Regency
Get PDFAnchovy fishermen in Tlanakan District, Pamekasan Regency, contribute significantly to the local economy, but face challenges in the form of weather fluctuations, price instability, and technological limitations. This study aims to analyze the economic behavior, social status, and income risk of fishermen using a quantitative approach with indicators of risk preference, time preference, technology adoption, culture, sea experience, education level, and age. Income risk is analyzed through the coefficient of variation. The results show that fishermen prefer to catch anchovies because of the low risk and stability of the catch. Traditional technology still dominates, although modern technology has the potential to increase productivity. Socially, more than 10 years of experience at sea and a higher level of education have been shown to contribute positively to income. However, uncertainty due to weather changes remains a major obstacle
The Influence of Digital Marketing, Influencer Marketing on Purchase Intention Through Consumer Attitude Mediation (Survey of Gen Z Users of Shopee Application in Sleman District)
Get PDFThe rapid development of digital technology has significantly changed consumer behavior, especially among Generation Z in Indonesia. This study aims to examine the effect of digital marketing and influencer marketing on purchase intention, with consumer attitudes as a mediating variable, in the context of Shopee application users in Sleman Regency. Data were collected through a survey aimed at Generation Z consumers who actively use the Shopee platform. This study uses a quantitative approach with the Structural Equation Modeling (SEM) method with Partial Least Squares (PLS) version 4.0 to analyze the relationship between variables. The results of the study indicate that digital marketing and influencer marketing positively influence consumer attitudes and purchase intentions. In addition, consumer attitudes are proven to significantly mediate the relationship between marketing strategies and purchase intentions. This study provides theoretical contributions to the understanding of digital marketing dynamics as well as practical implications for e-commerce platforms in increasing consumer engagement through targeted digital and influencer marketing strategies
Analysis of Corporate Strategy, Business Risk, and Managerial Ownership on Company Performance with Capital Structure as a Mediating Variable in Manufacturing Companies Listed on the Indonesia Stock Exchange (IDX)
Get PDFThis research aims to Analysis of Corporate Strategy, Business Risk, and Managerial Ownership on Firm Performance with Capital Structure as a mediation variable in Manufacturing Companies on the IDX. The population in this study consists of manufacturing companies listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023 that conduct export transactions and have managerial ownership, totalling 51 companies. Due to the small sample size, the full sampling technique was used, resulting in a total of 255 observations. Data analysis was performed using the panel data regression method processed with EViews version 12. The research result are as follows: (1) Vertical integration strategy does not affect company performance, (2) Diversification strategy affects company performance, (3) Internationalization strategy affects company performance, (4) Business risk does not affect company performance, (5) Managerial ownership affects company performance, (7) Capital structure is not proven as a mediating variable because it cannot mediate the influence of vertical integration strategy, diversification strategy, internationalization strategy, business risk, and managerial ownership on the performance of manufacturing companies listed on the Indonesia Stock Exchange during the 2019-2023 research period
Analysis of Service Quality and Brand Image with the Mediation of Emotional Experience Variables on the Impact of Customer Loyalty in Informal Restaurants in North Jakarta
Get PDFThis study aims to analyze the effect of service quality and brand image on customer loyalty in informal restaurants in North Jakarta, using emotional experience as a mediating variable. This study was conducted at informal restaurants in the Pantai Indah Kapuk (PIK) area, which is one of the main culinary destinations. The research method uses a quantitative approach with the PLS-SEM analysis tool. Data were collected from 200 respondents through a questionnaire measured using a Likert scale of 1-5. The results of the study indicate that service quality and brand image have a significant positive effect on customer loyalty, both directly and through emotional experience. This study provides academic contributions in expanding studies related to customer loyalty in the culinary sector, as well as practical recommendations for industry players to improve customer emotional experiences to strengthen loyalty
The Influence of Brand Image and Price Perception on Customer Loyalty to Apple Smartphones with Customer Satisfaction as Mediation
Get PDFThis study examines how pricing perception and brand image affect customer loyalty among Apple smartphone users, with customer satisfaction as a mediating variable. Data was collected from 100 undergraduate students in Surakarta, aged 18 to 25, who have used or owned an Apple smartphone. While this sample provides insights into a specific demographic, it may limit the study's generalizability. Structural Equation Modeling (SEM) with SmartPLS 3 was used to analyze the data. SEM was chosen due to its ability to model complex relationships and examine direct and indirect effects. The results show that brand image positively influences customer satisfaction but does not directly affect loyalty. Price perception significantly impacts satisfaction, which in turn affects loyalty. Customer satisfaction mediates the relationship between price perception, brand image, and loyalty. The study's limitations include the focus on a specific sample, suggesting future research should compare brands and explore factors like customer experience to deepen understanding of loyalty drivers
The Impact of Transformational Leadership on Digital Transformation Towards Madrasah Reform and Performance
Get PDFThis study investigates the pivotal role of transformational leadership in facilitating digital transformation and promoting organizational learning to drive madrasah reform and performance in madrasahs in Indonesia. The research uses a quantitative survey method, the research is limited to madrasahs in Indonesia, engages madrasah leaders, and utilizes SEM-PLS to analyse relationships among variables. The study emphasizes the critical role of transformational leadership in adapting to the digital era and fostering continuous learning, enabling effective madrasah reforms and improved performance. It shows that organizational learning supports digital initiatives, with leaders encouraging adaptation and aligning technology use with academic and religious goals. This research underscores the importance of transformational leadership and organizational learning in driving digital transformation, accelerating institutional reforms, and enhancing performance, particularly in Indonesia's madrasah sector
Comparison of Financial Performance Before and After the Merger of PT Selamat Sempana Perkasa into PT Selamat Sempurna Tbk
Get PDFMerger is one of the strategies used for company expansion to maintain and/or develop the business. The purpose of this study is to analyze the differences in the Debt to Equity Ratio (DER), Return on Assets (ROA), Net Profit Margin (NPM), Current Ratio (CR), and Total Asset Turnover (TATO) before and after the merger of PT Selamat Sempurna Tbk and PT Selamat Sempana Perkasa. This research employs a quantitative comparative method, comparing pre- and post-merger financial data. The study uses a time series sample for a period of 2 years (2020-2022) before the merger and 2 years (2022-2024) after the merger, sourced from the official IDX website (www.idx.co.id) and the PT Selamat Sempurna Tbk website (https://smsm.co.id/). Data analysis was conducted using both the paired sample t-test and the Wilcoxon test. The paired t-test is suitable for comparing the means of normally distributed data, while the Wilcoxon test is used for non-parametric data when the normality assumption is not met. The selection of both tests ensures robustness in handling different data characteristics. The results show significant differences in the Debt to Equity Ratio (DER) and Net Profit Margin (NPM) before and after the merger. However, no significant differences were found in Return on Assets (ROA), Current Ratio (CR), and Total Asset Turnover (TATO). This lack of change in certain ratios may indicate that the merger, while impactful in terms of financial leverage (DER) and profitability (NPM), did not substantially affect the operational efficiency (TATO) or overall profitability (ROA), possibly due to the nature or scale of the merger. This study can inform policy decisions for related agencies and contribute to the development of corporate financial management, particularly in the analysis of key financial ratios such as DER, ROA, NPM, CR, and TATO