Jurnal Ilmiah Ekonomi Islam
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Pengaruh Financial Literacy dan Risk Perception terhadap Keputusan Investasi Saham Syariah pada Mahasiswa FEBI UINSU
Get PDFThis study employs a descriptive qualitative research method. It was conducted directly on the Psychologically, students have emotional maturity in managing their finances, preparing investment plans, but are not necessarily more precise in making decisions, even though they have a fairly good understanding of finances. Thus, if students as investors want to improve their investment decisions, then students need to increase their financial literacy and risk perception, conversely if students do not increase their financial literacy and risk perception, then their investment decisions will be low. This article aims to analyze the influence of financial literacy and risk perception on sharia investment decisions of students at the Faculty of Economics and Islamic Business, State Islamic University of North Sumatra. The sample for this research was 71 respondents. This article uses quantitative methods and data is collected through distributing questionnaires. The analysis method uses validity, reliability, hypothesis testing, and multiple linear regression analysis. The analysis findings show that financial literacy has a significant influence on sharia investment decisions, risk perception has a significant influence on sharia investment decisions. Financial literacy and risk perception simultaneously have a significant influence on sharia investment decisions of students at the Faculty of Economics and Islamic Business, State Islamic University of North Sumatra
Pengungkapan Environmental, Social, and Governance Disclosure Terhadap Volatilitas Harga Saham Syariah Dimoderasikan oleh Likuiditas
Get PDFThis study examines the effect of ESG (Environmental, Social, and Governance) factors on the volatility of Islamic stock prices in the Jakarta Islamic Index (JII). The aim is to understand how sharia compliance, sustainability, social impact, and corporate responsibility affect sharia stock price fluctuations, as well as attract Muslim investors and potential investors to sharia instruments. Secondary data from JII companies for the 2021-2023 period was analyzed using purposive sampling method. The results show that ESG has a significant negative effect on Islamic stock price volatility. This suggests that companies with good ESG practices tend to be more stable and attractive to investors. However, this study also found that liquidity does not moderate the relationship between ESG and Islamic share price volatility. This means that the liquidity level of the company does not affect the negative effect of ESG on stock price volatility. This study has limitations, such as the use of JII data and a short research period. In the future, further research could consider ESG scores from various sources and compare the Islamic and conventional stock markets to understand the differences in characteristics and dynamics, as well as the role of ESG in both markets
The Role of Advertising on Islamic Banks: An Evidence from Millennial Consumer’s Attitude and Intention
Get PDFSince the establishment of Bank Syariah Indonesia as the largest Islamic bank in Indonesia, this bank has considered millennial consumers as its main potential customers. To gain these potential customers, Bank Syariah Indonesia launched a television advertisement for its product, namely Griya Simuda. The objective of this study is to investigate millennial consumers’ attitudes toward Griya Simuda television advertising and Griya Simuda product, and also millennial consumers’ intention to purchase Griya Simuda products. This research employs a quantitative approach, in which survey data from 155 millennial respondents were analyzed using simple linear regression analysis. The findings of this research showed that consumers’ attitude toward Griya Simuda advertising has a positive effect on consumers’ attitude toward Griya Simuda product. In turn, consumers’ attitude toward Griya Simuda product has a positive effect on the intention to purchase Griya Simuda product, and the attitude toward Griya Simuda advertising also has a positive effect on the intention to purchase Griya Simuda product. The conclusion of this research is that Islamic banks should utilize television advertisements more to promote their products
Evaluasi Kinerja Saham Syariah menggunakan Indeks Sharpe, Treynor dan Jensen Periode 2021-2022
No full textThis study aims to analyze the performance of shares of Islamic companies on the Jakarta Islamic Index (JII) for the period July - November 2022 using stock transaction data on the IDX for 1 year starting December 2 2021 - November 30 2022. This type of research is descriptive research. The sampling method used is purposive sampling. There are 30 stocks that were sampled in this study. The results showed that Islamic stocks included in the top 5 highest performing of the three Sharpe, Treynor and Jensen indices included: ADRO, ITMG, TPIA, INCO. These three stocks can then be taken into consideration in determining the investment portfolio in Islamic stocks.
Keywords : Stock Portfolio Performance, Sharpe Index, Treynor Index, Jensen Inde
A Critical Study of Contracts in the Perspective of Fiqh Mu’amalah (Overview of Contract Defects)
Get PDFThe scope of mu’amalah law is very broad and varied. And among the scope of muamalah law, especially with regard to muamalah maliyyah, is a contract. The contract is a logical consequence of social relations in human life. Where in carrying out their activities in life in this world, humans are required to interact with one another in order to meet their needs, and the contract is one of the legally justified ways of obtaining ownership. The contract can occur after an agreement process between two parties to transfer property rights from one party to another, for example, in buying and selling transactions, renting, and so on. The following article aims to discuss more specifically the defects that occur in the contract from the perspective of Fiqh Mu'amalah since a transaction sometimes contains several defects that can cause the contract to be considered invalid or to be fasakh (canceled). This qualitative research focused on literature research with descriptive-analytical nature based on the study of the text. In this case, the book Fiqh Mu'amalah with the theme of defective contracts, acts as primary data. The research data was collected by the documentation method, then analyzed using qualitative analysis. The results of this study indicate that there are several defects in the contract which have implications for the defect of the contract, or at least the contract can be canceled (fasakh), including tadlis (cheating), ghalath (error), ikrah (coercion), ghabn (hidden price), gharar (betting and obscurity), and jahalah (ignorance)
SOCIAL INTREPRENEURSHIP SEBAGAI GAGASAN INOVASI SOSIAL BAGI PEMBANGUNAN PEREKONOMIAN MASYARAKAT BERDASARKAN PRINSIP-PRINSIP EKONOMI SYARIAH
Get PDFsinta 3Agustus-2022--Tingkat-Pengangguran-Terbuka--Tpt--Sebesar-5-86-Persen-Dan-Rata-Rata-Upah-Buruh-Sebesar-3-07-Juta-Rupiah-per-Bulan’
Muhammad Isnan Nurfaqih., Rizqi Anfanni Fahmi., ‘Social Entrepreneurship (Kewirausahaan Sosial) Dalam Perspektif Ekonomi Islam’, Social Entrepreneurship (Kewirausahaan Sosial) Dalam Perspektif Ekonomi Islam, 1.8 (2018), 1–15
Muhammad, Mahmuda Mulia, ‘Social Entrepreneurship Mewujudkan Kesejahteraan Masyarakat Berdasarkan Prinsip-Prinsip Ekonomi Syariah’, El-Iqthisadi : Jurnal Hukum Ekonomi Syariah Fakultas Syariah Dan Hukum, 2.2 (2020), 68
Sofia, Irma Paramita, ‘Konstruksi Model Kewirausahaan Sosial (Social Entrepreneurship) Sebagai Gagasan Inovasi Sosial Bagi Pembangunan Perekonomian’, Widyakala Journal, 2.1 (2017), 2
https://tafsirweb.com/1045-surat-al-baqarah-ayat-279.htm
Ziswaf and Islamic Bank: Study of Ziswaf Fund Management at Bank Muamalat KC Darmo Surabaya
Get PDFThis study aims to photograph the management of Ziswaf Faunds of Bank Muamalat KC Darmo as a bridge between muzakkin and mustahik (intermediaries) to fulfill their social function obligations. Sharia social funds (ZISWAF) at Bank Muamalat KC Darmo are sourced from employees and customers of Bank Muamalat KC Darmo. From the results of the funds collected, Bank Muamalat KC Darmo will distribute social funds as a whole to be managed and distributed by the Baitul Maal Muamalat National Amil Zakat Institution (LAZNAS) which is a subsidiary of Bank Muamalat Indonesia which is engaged in ZIS and waqf. Using a Qualitative Case Study approach. Data was collected by means of interviews and in-depth documentation. The results showed that the implementation in the management of Ziswaf Funds (ZISWAF) in Bank Muamalat KC Darmo uses a conservation pattern (achieving a sufficient level of profitability and a low and high level of risk)
Analisis Efisiensi di Bank Victoria Syariah dengan Pendekatan Principal Component Analysis – Data Envelopment Analysis
Get PDFABSTRACT
This research is motivated by the role of Islamic banking in the welfare of society by improving the quality of services provided. The quality of bank services can be measured through service efficiency at bank. This efficiency is a balance between those served and those serving, hereinafter referred to as input and output. In this study, we wanted to know the level of efficiency of Bank Victoria Syariah using the Principal Component Analysis-Data Envelopment Analysis (PCA-DEA) method. The models used are PCA-CCR and DEA-CCR. The input data used are profit sharing ratios, labor costs, total assets, third party funds and fixed assets while the output data used are main operating income, other operating income, buying and selling principle financing, profit sharing financing principles and current assets. From the various PCA-DEA models used, different efficiency values are generated for the same financial statements and there is only one financial report that has a fixed efficiency value among other financial reports, namely the January 2021 financial report.
Keyword: Efficiency, DEA-CCR, Islamic Banking, PCA-CC
Visibility, Attraction, and Typical Person Instagram Endoreser dan Minat Beli Produk Kosmetik Halal Pada Generasi Z di Lombok Timur (Shariah Marketing Analysis)
Get PDFThis study aims to determine whether Visibility and Attraction in Typical Person Endorsers affect the purchase intention of halal cosmetic products in Z-generation in East Lombok, and examine the suitability of sharia in the marketing in question. This research was a survey research with a total sampling of 100 people from Z-generation. Data were collected through questionnaires, and analyzed using multiple linear regression methode. The study found that simultaneously Visibility and Attraction have a significant effect on Purchase Intention. Partially, Visibility has no significant effect on consumer buying interest, while Attraction has a (very) significant effect on consumer buying interest. The majority of respondents in buying halal cosmetic products get products that sometimes match and sometimes do not match what is promoted by the Typical Person Endorser, namely 63 respondents or 63.0% of the total
THE EFFECT OF THE PERCEPTION AND TRUST OF MSME ACTIVITIES IN NGALIYAN REGENCY, SEMARANG IN USING SHARIA BANKING FINANCING SERVICES
No full textThe objective of this study was to determine the influence of perceptions and trust as a driving factor for MSMEs to choose to use Islamic banking financing products and to determine why MSME actors still do not choose and use Islamic financing. This study uses multiple regression analysis and data collection techniques using surveys by distributing questionnaires to the participants. A total of 87 MSME actors in Ngaliyan Subdistrict Semarang were selected as research objects using a random sampling technique. The analysis test results show that the perception and trust variables do not significantly increase the influence of MSMEs in the decision to choose sharia financing services