Sebastian Herman, M.Ec
Ekonomi Syariah
Biografi
Peneliti LPPM Tazkia
20
Penelitian
1
Pengabdian Masyarakat
Penelitian
Tanggal Publikasi: 2 Sep 2024
Systematic Literature Review Analisa Faktor-faktor yang Mempengaruhi Minat Mayarakat dalam Menggunakan Layanan di Koperasi Syariah
The aim of this research is to analyze factors that can influence people's interest in using services in sharia cooperatives, where sharia cooperatives have an important role in the economy after banking. This research uses qualitative methods, using the Publish or Perish application to analyze various journals that already exist on Google Scholar. which includes behavioral research on why people choose sharia cooperatives to use the services offered by sharia cooperatives. After that, what variables are found that influence members to want to use services at sharia cooperatives and then analyzed and identified. Using the method of collecting research results based on the reasons why people are interested in choosing to use services in sharia cooperatives that are not yet available, the results of this research can be used as evaluation material and become the basis for sharia cooperatives in designing strategies with significant variables that continue to develop or progress. The results of the analysis show that factors such as trust or religiosity, social and knowledge about sharia cooperatives themselves influence people's decisions in using services at sharia cooperatives. These findings provide insight or can be used as evaluation material for cooperative managers to increase community participation in using services in cooperative institutions.
Penelitian
Tanggal Publikasi: 2 Sep 2024
Pengaruh Distrupsi Digitalisasi Terhadap Preferensi Konsumen: Studi Kasus pada Mahasiswa Tazkia di Pasar Dramaga
The purpose of this research is to analyze the influence of digital disruption on consumer preferences in product or service selection. This study utilizes the Structural Equation Modeling Partial Least Square (SEM-PLS) model. The results indicate that digital disruption significantly affects consumer preferences. Changes in consumer behavior triggered by digital advancements, such as the ease of shopping through online platforms, are crucial factors influencing consumer preferences. However, in this context, the influence of price on consumer preferences is not significant. Although important, price is not the primary factor in purchasing decisions, as other factors such as product quality, service, and halal labeling have a greater influence. Halal certification is also an important consideration for consumers, as it reflects values of halalness and cleanliness that are deemed important. This study provides valuable insights for businesses in understanding the impact of digital disruption on consumer behavior and implementing appropriate marketing strategies to enhance consumer preferences.
Penelitian
Tanggal Publikasi: 25 Mar 2024
Determinan Preferensi Konsumen Dalam Memilih Rumah Sakit Syariah
This study seeks to identify religiosity, understanding, and consumer attitudes as indicators in preferences for choosing a Sharia Hospital. This research uses Structural Equation Modeling Partial Least Square. The research sample was 100 respondents from Generation Z to Baby Boomer Generation. This study proves that the preference for choosing a Sharia Hospital in Riau Province is influenced by understanding, religiosity, and consumer attitudes. Consumer understanding of the concept of sharia and the level of consumer religiosity have an impact on preferences for choosing Sharia Hospitals. This condition indicates that understanding and religiosity are the main drivers in choosing Islamic hospitals. Consumer attitudes also have an important role because they shape the choices made by consumers.
Pengabdian
Tanggal Publikasi: 20 Jul 2023
Industri Halal dan Ekonomi Digital: Peluang Bisnis dan Karir di Masa Depan
This community service aims to socialize future business and career opportunities in the halal industry and digital economy to 12th grade high schoolstudents at 5 Islamic schools spread across 3 districts in West Sumatra Province. In addition, this activity also aims to socialize the Tazkia Islamic Institute. This activity was carried out in the form of an offline seminar at the five schools.
Penelitian
Tanggal Publikasi: 1 Jan 2024
Cryptocurrency in Islamic View: Sentiment Analysis Method Approach
Islamic economics focuses on realizing Islamic ideals, rahmatan lil 'alamin, which aims to provide goodness, prosperity and well-being. Halal (Positive) and haram (negative) aspects in the realm of cryptocurrency. Based on an extensive review of 23 relevant journals, this research aims to analyze the literature and explore the implications of cryptocurrency in relation to Islamic principles. This research focuses on key variables such as compliance with Sharia, riba (usury), gharar (uncertainty), and transparency. By reviewing existing literature and considering the perspective of Islamic scholars and law, this paper aims to determine whether cryptocurrency is permitted or prohibited from an Islamic perspective. These findings will contribute to the ongoing discourse around the compatibility of cryptocurrencies with Islamic finance and ethics. This study emphasizes the importance of addressing halal and haram issues and implications in the cryptocurrency ecosystem. Ultimately, this research aims to provide insights and recommendations for scholars and practitioners in the field of Islamic finance and cryptocurrency.
Penelitian
Tanggal Publikasi: 1 Des 2023
Development of Digital Payment Systems in Indonesia
This research explores the dynamics and development of the digital payment system in Indonesia along with rapid technological transformation, including the growth of the digital finance industry and a shift in consumer behavior towards non-cash transactions. The aim of this research is to analyze the impact of the development of digital payment systems on the existence of cash in the digital economy era as well as reduce risks that may arise from the use of digital payment systems and prevent price increases due to the amount of cash in circulation. The method used in this research is a qualitative method with a phenomenological approach. Data was analyzed involving measuring and testing data by considering theoretical concepts related to the development of digital payment systems. The results of this research indicate that technological progress in the digital economy era, especially in the development of digital payment systems, has increased rapidly. The COVID-19 pandemic has accelerated the use of e-commerce and digital wallets, triggering digital transformation in the Micro, Small and Medium Enterprises (MSME) sector. Efforts from governments, regulators and service providers to maintain user security and privacy are important steps to build public trust in digital payments.
Penelitian
Tanggal Publikasi: 15 Des 2023
Generation Z Purchasing Behavior Profile in the Digital Economy: Normative Analysis in Online Market
This research aims to detail Generation Z's purchasing behavior in the online market. This research provides an in-depth view for e-commerce companies and marketers to develop more effective strategies in attracting and retaining Generation Z. This research method is normative descriptive research. The type of research used is exploratory research. Data collection techniques involve literature reviews from various journal sources and related literature. The data analyzed is secondary data and the data analysis method involves normative analysis to identify the differences between "das sollen" (should) and "das sein" (actual conditions) in the purchasing behavior of Generation Z in the digital economy. This research reveals that Generation Z has a high affinity for using smartphones when shopping online, indicating a dependence on mobile technology in the digital economy era. Generation Z is more active in shopping online compared to previous generations, indicating the important role of digital platforms in shopping behavior patterns. Continuous recommendations from this research emphasize the importance of continuous adaptation to technological changes and the dynamics of Generation Z consumer behavior. Businesses are expected to combine innovative marketing strategies with responsive shopping experiences to attract and retain Generation Z as loyal consumers
Penelitian
Tanggal Publikasi: 8 Sep 2023
The Thoughts of Sheikh Al Maududi and Ayatollah Baqir Shadr on Interest
The past victories of Islam were weakened by stagnating scientific progress, slowing Muslim economic growth, and weakening military power in Islamic countries, and were easily defeated by the West. During this period, scholars were stigmatized as closed doors to Izhad and experienced a so-called sluggishness in which there was little development and innovation in both religion and science. Open the door to Ijtihad such as Johor ulema Dato' Syed Salim Abdullah al-Attas (1873-1899), Dato' Abdullah Musa (1899-1907), Syed 'Abd Qadir Muhsin al-Attas (1909 -1933) ) and Syed Alwi Tahir al-Haddad (1933-1941). Currently, Muslims are undergoing various attacks from scientific and economic aspects, especially in relation to interest, and until now, there are still some Muslims who do not consider interest, especially bank interest, to be haram. It's a pity. That's why scholars tried to empower Muslims, such as Sunni Abul Ala al-Moudi and Shia Sheikh Bakr Sadr. This study uses a literature review method with reference to selected journals and books and aims to explore whether there are differences between Sunnis and Shiites regarding this interest.
Penelitian
Tanggal Publikasi: 8 Sep 2023
How Omar bin Abdul Aziz Reached Economic Golden Era: Unearthing the Umayyad History From Economics Perspective
This research discusses on how Omar bin Abdul Aziz reached economic golden era in terms of his leadership characters and impact of his economic regulations. The researcher used a qualitative descriptive approach in this study, and this type of research is library research. This study was conducted to solve a problem that is based on critical and in-depth research on relevant library materials. The outcome demonstrates that Omar bin Abdul Aziz's principles and ideals of simplicity and modesty, honesty, justice, and truth, and the abolition of feudalism are consistent with the impact felt by the people as a result of his policies. Economic policies include the elimination of discrimination, the Zakat sector, the administration sector, the agricultural sector, and the issue of kharâj jizyah. Keywords: Economic Policy, Caliph Omar bin Abdul Aziz, Golden Era
Penelitian
Tanggal Publikasi: 20 Jul 2023
Industri Halal dan Ekonomi Digital : Peluang Bisnis dan Karir di Masa Depan
This community service aims to socialize future business and career opportunities in the halal industry and digital economy to 12th grade high school students at 5 Islamic schools spread across 3 districts in West Sumatra Province. In addition, this activity also aims to socialize the Tazkia Islamic Institute. This activity was carried out in the form of an offline seminar at the five schools.
Penelitian
Tanggal Publikasi: 1 Jan 2019
The Privatization of State-Owned Enterprises in Islamic Perspective: Case of Indonesia
In Indonesia, the last few years have seen the privatization of many industries previously owned by the state. The surge was requirement of International Monetary Fund (IMF) to lend its fund in order to support Indonesian economy after monetary crises between 1997 and 1999. However, this phenomenon causes some novel polemics amidst stakeholders. Most of nation‟s wealth is brought by multinational companies to overseas without rendering great benefit to citizen. Therefore, inhabitant cannot savour many adventages from their abundant natural resources. In line with this privatization case, Islam as a way of life which is universal and comprehensive has a particular discussion on assets ownership that should be utilised according to its status. There are three concepts of ownership in Islam, namely individual, public and government ownership. The main objective of this paper is to point out the best scheme of natural resources ownership, whether should be owned by public, private or state based on siyāsah sharī„ah approach. The author utilizes descriptive qualitative methodology to find the appropriate pattern of natural resources management in Indonesia, particularly firms which manage the basic need of human being.
Penelitian
Tanggal Publikasi: 1 Jan 2021
Revisiting An Islamic Approach to Humanities: A Critical Review
urpose: The study aims to develop a relevant counter-argument and supporting justification on ideas offered by Zaman (2014) in his paper titled "An Islamic Approach to Humanities."
Design/Method/Approach: This study adopts a quantitative approach in form of a literature survey, discourse and critical content analysis. For achieving the goal, we capitalize on Ghazi (2006) to support the argument that the source of knowledge is not only through observations. Kalin (2016) and Zarkasyi (2018) are being used to show that Islam encourages reasoning and observations. To support the argument that Islamic economics can be positivistic, we use Abdullahi (2018) as a related paper to deal with that issue.
Findings: The study found that Islamic Economics can use the tools of logical positivists in its observation as long as such tools do not contradict the logical structure of the Islamic worldview. Social science like Islamic economics is only an avenue to see the expression of free will that Allah gives to the human being by observing the pattern of human behavior. When the results can describe closer to reality, it can survive and support the development of social science itself.
Originality/Values: The main contribution of this study is to clarify the position of Islamic economics on the logical positivism method and its implication in value integration.
Penelitian
Tanggal Publikasi: 31 Des 2021
Efficiency of Pre-Merged State-Owned Sharia Banks In Indonesia Using 2-Stage DEA
This study intends to conduct a comparative test of efficiency of the 3 merged state-owned banks using 5 merged Simulation models which will be measured by the 2-stage Data Envelopment Analysis (2-stage DEA) method with Islamic banks and also conventional in Indonesia. This study uses a quantitative approach using the 2-Stages Data Envelopment Analysis (DEA) method. By using in the first stage this method can measure the efficiency score generated from the input and also the output that has been determined, among others, by inputs namely Savings, Administrative Costs, Personal Costs. The outputs used are Financing and Income. In the second stage the method used is Tobit Regression which will see whether there is an influence between the dependent variables determined on the efficiency score. The dependent variable consists of 2 types, namely macrobanks consisting of GDP, Inflation, and Interest Rate. While the other is the Microbank variable including NPF, FDR, and ROA. In this study, 5 combination simulations will also be examined, which will see which combination is the most efficient. From the results of the study, it was found that the efficiency of Islamic banking as a whole is still below the efficiency of conventional banking. Meanwhile, by using 5 simulations of the merger planned by the government, namely combining BRI Syariah, BNI Syariah, and Mandiri Syariah, it was found that the merger of the 3 banks is the most optimal option in terms of efficiency. In this study also found that the dependent variable that affects the efficiency score is the ROA variable. Meanwhile, for other variables, namely NPF, FDR, GDP, Inflation, and also Interest rate does not significantly affect the efficiency score.
Penelitian
Tanggal Publikasi: 30 Nov 2022
KONSEP PENGELOLAAN HARTA NEGARA BERDASARKAN PEMIKIRAN BAQIR AS-SADR
Thisstudy is a literature study on the thought of Baqir As-Sadr in a national wealth management. This study is also explain aboutthe background of Baqir As-Sadr and the basis of his thought in the wealth management. This study adopting a qualitative approach with dual-stage analysis, that is a literature review method to analyze the thought of Baqir As-Sadr in national wealth management. Futhermore, descriptive analysis method to explain about Baqir As-Sadr thought of national wealth management in context of Indonesia. The result of this study shows the aims of national wealth management is prosperity. To achieve that purpose, a several strategic policy is required to be implemented, such as abolition of private land ownership. The private sector only has use rights or land management rights. This is intended so that production can be controlled according to needs and the state can regulate its distribution
Penelitian
Tanggal Publikasi: 1 Jan 2023
Modeling Financial Realization of Regional Budget Using Maqasad al-Shari’ah Approach: A Case of Central Bangka Regency
This chapter discusses how the financial realization in the monitoring and evaluation data of the regional budget of Central Bangka Regency is in accordance with the maqasad al-shari’ah approach. Also, this research will provide a new model for regional development programs that are in accordance with the 5 maqasad al-shari’ah priorities. This chapter uses a qualitative method using the analytic network process or ANP with case studies in the Central Bangka Regency. This method is a way of obtaining decisions and using calculations to get a ratio scale. Data from this study were obtained from interviews with related sections, direct observations, and related data. From this study, it will be known that the realization of monitoring and evaluation of data of the Bangka Tengah District is not in accordance with the approach of the maqasad al-shari’ah; also, this study will find a new data monitoring and evaluation model based on the five concepts of the maqasad al-shari’ah.