AL-MUZARA'AH
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Penghimpunan Dana Zakat Infak Sedekah Berdasarkan Intensi Perilaku Muslim Gen Y dalam Penggunaan Teknologi Digital Payment
Full text linkThe development of lifestyle generation Y is inseparable from technological development. That changes the behavior of gen Y Muslims in making zakat, infaq, shodaqoh (ZIS) payments from conventional to digital. The purpose of this study is to describe the characteristics of Muslim gen Y related to digital ZIS payments, then to analyze what influences the behavior intention of gen Y Muslims in the use of digital payment technology for ZIS payments. The results of this study qualitatively indicate that the characteristics of digital payment technology users for ZIS payments are dominated by female gen Y Muslims. The most commonly used digital payment method is transfer via mobile banking and via e-wallet. Digital service partners that are widely used to channel digital ZIS payments to OPZ are banking institutions. The quantitative research results show that the overall variables studied, namely performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), hedonic motivation (HM), price value (PV), habit (HT), and perceived security (PS) have a significant influence on the behavioral intention (BI) of gen Y Muslims in the use of digital payment technology for ZIS payments, where the greatest factor influences the intention of gen Y Muslims behavior is perceived security
Factors Affecting Waqif’s Decision in Selecting Productive Waqf (Case Study at Dompet Dhuafa Republika)
Full text linkIndonesia as a country with largest Muslim population in the world has potentials in utilizing its Islamic philanthropy source of funds to alleviate social and economic problems in society, one is through waqf. Waqf that is managed productively has proven its positive contribution to the advancement of a country. However, the collecting of waqf fund is still dominated by direct waqf (non-productive) based on the instruction a waqif gave. This shows that the majority of waqif prefers direct waqf (non-productive) to productive one. Therefore, the purpose of this study is to analyze the factors that affect waqif’s decision in selecting productive waqf. Data collection is done by the questionnaires given to the respondents. The respondents are 65 waqif at Dompet Dhuafa Republika. The method used in this study is descriptive analysis and logit regression. The result shows that waqif’s decision in selecting productive waqf is affected by their comprehension on productive waqf, age, subjective norm, and marital status
Regionalisasi Wakaf Tanah di Provinsi Aceh: Suatu Telaah Pemetaan dan Kebijakan
Full text linkThis research was conduct to identify the regionalization of land waqf in Aceh Province based on compilation of waqf data sourced from Sistem Informasi Wakaf (Siwak) The Ministry of Religious Affairs of the Republic of Indonesia. This research is interesting because there are no studies that have conducted mapping land of waqf. Mapping of potential land waqf in Aceh Province wants to offer an easy solution in terms of inventory potential region as making policy. The methode used by descriptive analysis which is also elaborated with Geographic Information System analysis (GIS) tool. Based on the results of the GIS mapping conducted in the area of land waqf in Aceh Province, land waqf is concentrated in North Aceh District covering 63% of the distribution waqf land in Aceh. However, land Waqf has not been synergy optimally managed with the process of certifying legality. Regionalization needs two types of policy schemes; those are nazhir and waqif perspectives. Nazhir perspective policy is carried out in the scheme of forming professional waqf nazhir institutions. Meanwhile, the waqf perspective policy needs to be carried out with spatial planning and waqf area with the establishment of an Aceh waqf management body regulated in a Perda/Qanun
Faktor-faktor yang Memengaruhi Preferensi Nasabah terhadap Produk Rahn: Studi Kasus PT. BPRS Amanah Ummah
Full text linkRahn is financing for the community to borrow money using personal items as collateral. Public interest in rahn is still small, even though rahn knew as savings and loan services for property that is guaranteed by customers. The savings and loan services are paid every month along with the loan installments and do not use the interest system, only determining the nominal value of the rupiah determined by the pawning party. Thus, this study aims to determine the factors that influence customer preferences in choosing rahn products. The total of 120 respondents are taken, with a proportion of 60 as respondents representing rahn product respondents and 60 other respondents. The collected data is processed using logistic regression techniques. The results of the study show the factors that influence customer preferences for rahn products are factors of knowledge, promotion, service, education level, employment, income, expenditure and the number of dependents significantly influence customer decisions in choosing rahn products
Studi Literatur Riset Ekonomi dan Keuangan Islam dalam Jurnal Terindeks Scopus Q1
Full text linkThis study tries to review the research around Islamic economics and finance on reputable journal. It uses descriptive statistical analysis based on selected 177 article publications or paper related to Islamic economics and finance, with international journal indexed by scopus Q1. The entire sample journal publications have published for five years from 2014 to 2018. The results show that Islamic economics and finance research is still dominated by Islamic banks issues (42%), followed by Islamic capital market issues (31%), then Islamic accounting (9%), Islamic business and marketing (7%), Islamic monetary (4%), and other Islamic economics and finance issues (7%), like takaful, microfinance, halal industry, waqf and economic of hajj. In addition, the average time of journal publication is between 9 and 10 months. There are at least 20 Q1 scopus journals that publish Islamic economics and finance articles and the most research with Pacific-Basin Finance Journal, Journal of Economic Behavior & Organization, Journal of International Financial Market, Institution & Money, and Journal of Business Ethics. Furthermore, the comparison of quantitative research (84%) is still more than the qualitative approach (16%)
Pengaruh Islamic Religiosity dan Halal Knowledge terhadap Purchase Intention Kosmetik Halal Dimediasi oleh Attitude terhadap Produk Halal di Indonesia
Full text linkIndonesia is the largest Muslim country in the world. Every Muslim must consume halal products. The trend in Indonesian society that is developing now is the hijrah trend. People change lifestyles to become more aware and concerned with the halal of a product. The hijrah trend makes halal standardization develop on food and beverages, services and lifestyle (halal cosmetics). One of the halal cosmetics sold in Indonesia is Make Over Brand Cosmetics. Make Over has been registered in the Indonesian Ulema Council as halal cosmetics that can provide security for Muslim. The purpose of this study is to analyze the direct relationship between Islamic religiosity and halal knowledge variables on the attitude and purchase intention variables. Then analyze the indirect relationship between Islamic religiosity and halal knowledge variables on the purchase intention variable that is mediated by the attitude variable. The sampling technique is purposive sampling with 185 respondents. Data analysis techniques using quantitative analysis with analysis tools SmartPLS 3.0. The results of the analysis showed a significant positive direct relationship between Islamic religiosity variables and halal knowledge on the purchase intention and attitude variables. Then there is also an indirect relationship with partial mediation by the attitude variable
Strategi Pencegahan Pembiayaan Bermasalah pada BPRS di Kabupaten Bogor
Full text linkFinancing is channeling funds carried out by Islamic banks, such as Islamic rural banks (BPRS). Risk arising from financing is default risk assessed by the ratio of Non Performing Financing (NPF). BPRS in the area of Kabupaten Bogor have NPF values above the safe limit set by Bank Indonesia. The purpose of this study is to identify the causes and solutions of default financing and formulate strategies for preventing default financing of BPRS in Kabupaten Bogor. The method used in this study is Analytic Network Process (ANP). The total respondents in this study are five. The result showed that external cause is the most influential factor towards the occurrence of default financing. The most influential external cause is customer\u27s bad intention. External solution is the priority solution that need special attention. The priority external solution is strengthening the analysis. The most influential internal cause is adverse selection. Internal solution that is prioritized is training for finance officers. The priority of the default financing prevention strategy in this study is formulating financing risk mitigation.  
Kenaikan Omzet UMKM Makanan dan Minuman di Kota Bogor Pasca Sertifikasi Halal
Full text linkHalal certification is one of the company’s strategy that aims to retain their consumers and become a difference with competitors and to give added value for product. Most of the researchers have proved that halal certificates affect big companies’ total revenue. However, there are not many studies that have proved that halal certificate would affect the total revenue of micro, small, and medium enterprises (MSMEs), especially in Bogor City. This research aims to determine the characteristics of MSMEs’ owners and their business, analyze the changes of MSME’s total revenue before and after owning a halal certificate, and the factors that affect MSMEs’ total revenue after owning a halal certificate. The questionnaire data were collected through an interview with 40 food and beverage MSMEs’ owners who have halal certificates in Bogor City. This research uses descriptive analysis, paired sample t-test, and multiple linear regression analysis as the analysis methods. Results based on this research showed that there was a difference in the total revenue of MSMEs before and after owning a halal certificate. The factors that have positive and significant effects of MSMEs’ total revenue influences are capital, work hours, length of business, and a dummy of promotion
Analisis Keterkaitan Inklusi Keuangan Syariah dengan Pembangunan di Negara Anggota OKI
Full text linkFinancial inclusion is one of the main issue on Islamic banking in providing access to financial services to the community. However there are many people who have not access to financial services, especially Islamic banking. This study aims to measure the level of Islamic financial inclusion in several OIC countries (Islamic Cooperation Organization) based on the classification of state income and to analyze the relationship of inclusion of Islamic finance with development. The calculation of the Islamic financial inclusion index used the Index of Syariah Financial Inclusion (ISFI) method. The response variable used in this study is ISFI and the predictor variable is GDP per capita, unemployment rate, number of cellular telephone users, and the population of the village. The method used is descriptive analysis and tobit regression analysis. This study used secondary data from 10 OIC member countries based on the level of state income in 2013-2016. Based on the results of data analysis, high income countries have a high average inclusion rate compared to middle income countries. While GDP per capita and the number of cellular telephone users has a positive effect to the development, meanwhile the unemployment rate has a negative effect
Pengaruh Zakat dan Kesempatan Kerja terhadap Tingkat Kemiskinan di Aceh
Full text linkThis study aims to analyze the effect of zakah revenues and job creation on poverty rates. Using a panel data set of 23 districts in Aceh for the period of 2011-2017, a fixed-effect method of the panel regression model and the Granger causality test was utilized to analyze the functional relationships between the three variables. The study found out that the zakah revenue and job creation have a negative and significant effect on poverty rates. However, the negative effect of job creation on poverty rates is greater than the negative effect of zakah revenues. The Granger causality test indicates that there is bidirectional causality between poverty rates and zakah revenues and between employment creation and poverty rates. Conversely, there is no causality between zakah revenues and job creations