Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah
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Islamic Business Ethics Implementation In Marketing Communication of Hajj/Umrah Travel Agency “X” Surabaya
No full textThis research aims to explorethe implementation of Islamic business ethics in marketing communications Umrah/Hajj travel agency “X” Tour and Travel. This research uses qualitative descriptiveapproach with explanatory case studies as a type of qualitative research Islamicbusiness ethics which becomes reference in this study SIFAT (Shiddiq, Istiqamah,Fathanah, Amanah and Talbligh). The technique used is the data collectionthrough interviews with President and Marketing Manager “X” Tour and Travel,and participatory observation for two weeks at the operational office of “X” Tourand Travel. To support the data obtained from the results of the interviews as wellas participatory observation, research is also equipped with the results of interviewswith jamaah who have used the services of “X” Tour and Travel. The research resultsindicate that “X” Tour and Travel has implemented Shiddiq, Istiqamah, Fathanah,Amanah, and Tabligh in marketing communications.DOI: 10.15408/aiq.v8i1.251
Application of Theory Reasoned Action In Intention to Use Islamic Banking In Indonesia
Get PDFThis paper investigates the constructs of Theoryof Reasoned Action (TRA), and Theory of Planned Behavior (TPB) (attitude,subjective norm, religion, knowledge, pricing, and government support) oncustomer behavioral intention and Islamic banking selection. This research usingPartial Least Square Structural Equation Modeling with variables such as:attitude, subject norm, religion, knowledge and government support, and pricing.The result shows that attitude, subject norm, religion, knowledge and governmentsupport are statistically significant effect on intention to select Islamic bank inIndonesia. Pricing however is not significant. The results imply that IndonesianIslamic banks should strategize ways to develop positive attitude and referenceamongst their customers through greater dissemination of knowledge about Islamicbanking while emphasizing on the religious compliance.DOI: 10.15408/aiq.v8i1.251
MUSYARAKAH MUTANAQISHAH
Get PDFMusyarakah mutanaqishah (diminishing partnership) adalah bentuk kerjasama antara dua pihak atau lebih untuk kepemilikan suatu barang atau asset. Dimana kerjasama ini akan mengurangi hak kepemilikan salah satu pihak sementara pihak yang lain bertambah hak kepemilikannya. Bentuk kerjasama ini berakhir dengan pengalihan hak salah satu pihak kepada pihak lain. Dalam syirkah mutanaqishah harus jelas besaran angsuran dan besaran sewa yang harus dibayar nasabah. Dan, ketentuan batasan waktu pembayaran menjadi syarat yang harus diketahui kedua belah pihak. Harga sewa, besar kecilnya harga sewa, dapat berubah sesuai kesepakatan. Dalam kurun waktu tertentu besar-kecilnya sewa dapat dilakukan kesepakatan ulang. Bagi Bank Syariah, penerapan skim musyarakah mutanaqisah harus mendapatkan keuntungan sama atau lebih besar apabila Bank menerapkan murabahah plus resiko yang sama atau lebih kecil.DOI: 10.15408/aiq.v1i2.246
The Role of Religious Norms On Selecting The Islamic Bank
Get PDFThe aims of this study are to examine Muslim’s religious norms regarding to their belief on the law of the prohibition of bank interest, and to investigate the effect of religius norms on customers’ decision in using the Islamic banking services. This study employs natural experimental design with Analysis of Variance (ANOVA), and Pearson Chi-Square Test. The exploratory study also conducted to support the quantitative analysis. The results show that the religious norms among Muslims classified into two categories, i.e: traditional and contemporary group and the religious norm of the Muslim have significant affects on the decision in using the Islamic banks.DOI:10.15408/aiq.v7i1.135
Peer Group Effects on Moslem Consumer’s Decision To Purchase Halal Labeled Cosmetics.
Get PDFThe purposes of this research are to analyze peer group effects on Moslem consumers’decision to purchase halal-labeled cosmetics directly and indirectly which is mediated by consumers’ religious behavior. This research applies Structural Equation Model and convenience random sampling with 215 samples who have bought halal-labeled cosmeticsand live in Southern Tangerang. The findings show that: first, peer groupdirectly affect consumers’ decisionto purchase halal-labeled cosmetics; second, hablumminannas behavior mediates peer group and consumers’decision to purchase halal-labeled cosmeticsindirectly, third, hablumminallah behavior has the most dominant effect on Moslem consumers’ decision to purchase halal-labeled cosmetics. Based on the findings, it could be concluded that the reason of consumers’ decision to purchase halal-labeled cosmetics is because their religious behavior are high. Therefore, it is suggested that government and related institutions need to implement the Security Act of Halal Products immediately in order to protect the consumer from consuming non-halal productsDOI: 10.15408/aiq.v7i2.168
Mapping and Correlation Analysis of Efficiency and Profitability: The Case of Islamic Rural Bank in Indonesia
Get PDFThis research aims to analyze efficiency and profitability of Islamic Rural Banks in Indonesia using Variable Returns to Scale model of Data Envelopment Analysis and efficiency-profitability matrix. The results of this research show that most of Islamic Rural Banks are included in the Dog quadrant (high efficiency but low profitability) and Sleeper quadrant (low efficiency but high profitability). Meanwhile, the result of correlation analysis between efficiency and profitability indicates that efficiency has a negative correlation with profitability. Negative correlation of efficiency and profitability is in accordance with the result of efficiency-profitability matrix. The results of this research show that not all of Islamic Rural Bank which have high efficiency are also having high profitability.DOI:10.15408/aiq.v7i1.135
Financial Ratio and Its Influence to Profitability in Islamic Banks.
Get PDFThis research aims to analyze the influence of the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Biaya Operasional Pendapatan Operasional (BOPO) to Return on Asset (ROA) in Bank Muamalat Indonesia and Bank Syariah Mega. The data analysis method used in this research is multiple regression analysis. From the test results show that the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Biaya Operasional Pendapatan Operasional (BOPO) simultaneously effect to Return on Asset (ROA). Based on the test results of the t statistic was concluded that the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) and the Financing to Deposit Ratio (FDR) partially no significant effect to Return on Asset (ROA), while Biaya Operasional Pendapatan Operasional (BOPO) partially significant effect to Return on Asset (ROA)DOI: 10.15408/aiq.v7i2.170
Human Resources Development of Sharia Banking: Phenomenological Approach
Get PDFThe aims of this study are to finding, identifying and mapping the condition and situation of the policy and practice of Human Resource Management. This study used a qualitative method with phenomenological approach to uncover the professional development of HR qualify. Data analysis techniques includes reduction, data display, perform verification, and compiling data to draw the conclusions. The study concluded that the conditions of management and human resource development three sharia Bank in Jakarta refers to the philosophy and principles of Islamic economics as well as guided by the vision and mission of sharia banks. This study find that sharia HR professional qualification characterised by quality of faith, piety, knowledge and understanding of finance and business, applying the principles of Islam and has a strong commitment to apply the rules of sharia, noble, hard-working, and sincerely intelligent accompanied by sincereDOI: 10.15408/aiq.v7i2.170