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Penelitian
Tanggal Publikasi: 1 Agt 2024
Factors Affecting Mobile Banking Satisfaction: A Case Study of Bank
Syariah Indonesia
Main Objective The purpose of this study was to determine the effect of efficiency, fulfilment, system availability, privacy, responsiveness, feature and reliability to customer satisfaction study case in Indonesia Sharia Bank in JABODETABEK. Method This research uses a descriptive quantitative approach with a case study of PT.Bank Syariah Indonesia in JABOBETABEK costumer. The data collection technique was obtained from distributing questionnaires via google form and the data was processed using software. By using multiple linear regression analysis. Key Findings The results showed that the seven variables had a significant effect on mobile banking customer satisfaction. The strongest dimensions in explaining the quality of BSI mobile services are feature, reliability, and privacy, respectively. Factors affecting reliability and feature variables have the strongest influence on mobile banking customer satisfaction. Theoretical and Practical Implications The results of this study show that system vailability and responsiveness have no effect on mobile banking customer satisfaction, indicating that customer satisfaction is not directly influenced by the BSI mobile system which is not the main factor taken into consideration by customers in using the mobile BSI.
Penelitian
Tanggal Publikasi: 26 Jul 2024
ANALISIS PENGARUH FAKTOR DEMOGRAFI, SOSIAL DAN PSIKOLOGI TERHADAP TINGKAT LITERASI KEUANGAN DALAM PERENCANAAN KEUANGAN MASYARAKAT (Studi Kasus Masyarakat Kota Pangkalpinang, Bangka Belitung)
This study aims to analyze whether there is a direct and indirect influence of the variables of Demographic Factors, Social Factors, Psychological Factors and Financial Literacy Levels on Financial Planning.This study uses a descriptive quantitative approach. The technique used in sampling is non-probability sampling and purposive sampling by distributing questionnaires to 100 people with an age range of 20-40 years in the Pangkalpinang City. The analysis method used is Path Analysis.The results found in this study are 1) Demographic factors do not directly affect financial literacy. This means that a person's ability to manage his finances does not depend on demographic factors such as gender, age, income and others. However, demographic factors have an indirect influence mediated by the variable level of financial literacy which has a significant influence on financial planning. 2) Social factors do not have a direct and significant effect on financial literacy where the results of this study indicate that a person's intelligence in managing his finances does not depend on social factors such as the social environment including family, friends and place of residence. This study also cannot prove that there is a significant indirect effect of social factor variables mediated by financial literacy level variables on financial planning. 3) Psychological factors have a direct and significant effect on financial literacy. This shows that a person's intelligence to be able to manage his finances is based on the person's inner self in the form of awareness, experience and motivation within himself. This study can also prove that there is an indirect and significant influence on psychological factors that have an indirect effect mediated by the variable level of financial literacy on financial planning. 4) Financial Literacy has a direct and significant effect on financial planning. This shows that the higher the level of a person's financial literacy, the higher the level of financial planning.
Penelitian
Tanggal Publikasi: 12 Jul 2024
Tadabbur Surah Yusuf: Praksis Akuntan Beretika
Abstrak – Tadabur Surah Yusuf: Praksis Akuntan yang Beretika
Tujuan Utama – Penelitian berupaya mengeksplorasi prinsip-prinsip dasar etika akuntan yang terkandung dalam Surah Yusuf.
Metode – Penelitian ini menggunakan metode tadabur dan wawancara. Informan penelitian ini adalah akuntan dan ahli agama.
Temuan Utama - Penelitian ini menemukan bahwa adanya keselarasan antara serapan-serapan etika dari kisah Nabi Yusuf dengan prinsip dasar etika akuntan. Nabi Yusuf merupakan seorang bendaharawan kerajaan dan suri tauladan bagi pengelola keuangan. Episode-episode kehidupan Nabi Yusuf merefleksikan prinsip dasar etik akuntan.
Implikasi Teori dan Kebijakan – Penelitian ini menawarkan prinsip dasar etika akuntan dari sudut pandang tadabur Surah Yusuf. Selain itu, penelitian ini menjadikan Nabi Yusuf sebagai suri tauladan bagi akuntan dan auditor yang beretika.
Kebaruan Penelitian - Penelitian ini menjelaskan prinsip dasar etika dari serapan kisah Nabi Yusuf yang merupakan pengelola keuangan kerajaan.
Penelitian
Tanggal Publikasi: 11 Jul 2024
Analisis Pengaruh Variabel Makroekonomi terhadap Biaya Perjalanan Ibadah Haji
Purpose: This study analyzes the impact of macroeconomic factors such as exchange rates, global oil prices, and inflation on Hajj pilgrimage costs.
Methodology: This is a qualitative study. Time-series data from 1980 to 2022 were used in this study. The data were analyzed using the VECM method.
Results: The results show that, in the long run, exchange rates, crude oil prices, and inflation have a significant impact on the cost of Hajj.
Limitations: Difficulty in obtaining annual data. This is a common limitation of research that relies on secondary data sources. Annual data may not be readily available or may be difficult to access.
Contribution: One of the main contributions of this study is that it identifies factors that can affect the long-term cost of the Hajj pilgrimage. This information can be used by stakeholders to maintain the stability of the Hajj pilgrimage costs by considering these factors.
Penelitian
Tanggal Publikasi: 10 Jul 2024
Preferences of Generation Y and Z in Using Halal Products for Dental and Oral Care
The halal industry has great potential for
Penelitian
Tanggal Publikasi: 7 Jul 2024
MAPPING CENTRAL BANK DIGITAL CURRENCY LITERATURE: LESSONS FOR GOVERNMENTS AND RESEARCH
CBDC has gained popularity in many countries as a result of technological development. Central banks in a number of nations have been experimenting, piloting, launching, and promoting CBDC. Therefore, this study maps CBDC-related literature using a bibliometric approach and content analysis of the Scopus database. The Biblioshiny R Package was used in this study to analyse 190 documents with the keywords “central bank digital currency”. The analysis focuses on the main information about all documents, analysis of scientific production by areas (journals, authors, and countries), document and keyword analysis, and policy recommendations from the previous literature. The results show that CBDCs have had profound effects on monetary and payment systems, and their development could set the stage for a global central bank. The review also addresses the motivations and advantages of issuing a CBDC, including increasing financial inclusion, enhancing monetary policy, and
promoting efficient digital payments. The analysis also reveals that numerous central banks are investigating the possibility of issuing CBDCs due to the numerous advantages of this form of money. There is a lot of potential for theoretical expansion, contextual coverage, and methodological contributions. Furthermore, some policy recommendations from previous literature and directions for future studies are provided in this study.
Penelitian
Tanggal Publikasi: 1 Jul 2024
UNVEILING TRENDS: HALAL MEDICINE CHOICES AMONG STUDENTS IN GREATER JAKARTA (JABODETABEK)
Over-the-counter and restricted over-the-counter medications are commonly used by students because they are easily accessible and can be purchased when feeling unwell. The aim of this study is to understand the purchasing behaviour of over-the-counter and restricted over-the-counter medicines labelled as halal among students in the Jabodetabek region. In particular, this study examines the influence of the theory of planned behaviour (TPB), which includes behavioural control, subjective norms and attitudes, on the purchasing behaviour of halal labelled medicines. The research results show that behavioural control and subjective norms significantly influence the purchasing behaviour of halal medicines among students in the Jabodetabek region. However, contrary to initial expectations, no significant influence of the attitudinal variable was found on halal medicine purchasing behaviour among students in the Jabodetabek region.
Penelitian
Tanggal Publikasi: 1 Jul 2024
KECENDERUNGAN LITERASI MEMBACA BUKU DI
PERPUSTAKAAN PADA GENERASI Z
Abstract
The purpose of this research is to know the intensity and quality of literacy
of Generation Z as well as their interest in reading books in libraries,
because libraries as a medium of scientific development, are now beginning
to not attract the attention of younger generations. This research is
aqualitative research using a phenomenological and descriptive approach
carried out to the 22 people of Generation Z and librarians of the National
Library of RI. This research uses the technique of interviewing and retrieval
of visitors' data that is done directly in National Library RI. The results of
this research show that there are still many generations of Z who are
interested in reading the book either online or physical. As they tend to love
books with fiction categories and technology provides a change that greatly
facilitates Generation Z to explore reading material. This indicates that the
more advanced technology is, the more information will be received by the
general public, re-creating great writers and readers in the country of
Indonesia.
Abstrak
Tujuan penelitian adalah untuk mengetahui intensitas dan kualitas literasi
Generasi Z serta ketertarikan mereka dalam membaca buku di perpustakaan,
karena perputakaan sebagai media perkembangan ilmu pengetahuan, kini
sudah mulai tidak menarik perhatian para generasi muda. Penelitian ini
merupakan penelitian kualitatif dengan menggunakan pendekatan
fenomenologi dan deskriptif yang dilakukan kepada 22 orang Generasi Z
dan pustakawan Perpustakaan Nasional RI. Penelitian ini menggunakan
teknik wawancara dan pengambilan data pengunjung yang di lakukan secara
langsung di Perpustakaan Nasional RI. Hasil penelitian ini menunjukan
bahwa masih banyak Generasi Z yang tertarik dengan membaca buku baik
itu secara online atau buku fisik. Sebagaian mereka cenderung menyukai
buku dengan kategori fiksi dan teknologi memberikan perubahan yang
sangat mempermudah Generasi Z untuk mengeksplore bahan bacaan. Ini
menandakan bahwa semakin canggih teknologi maka semakin banyak
informasi yang akan di terima masyarakat luas, kembali ciptakan para
penulis hebat dan gemar membaca di negara Indonesia.
Penelitian
Tanggal Publikasi: 30 Jun 2024
Gen Z and Halal Local Cosmetics
This research aims to determine the influence of the halal label, knowledge and religiosity on local cosmetics labeled halal. Looking at the surrounding environment, many generation Z people still don't care about choosing local cosmetics that are labeled halal. Apart from that, this research advises consumers or cosmetic users to be careful in choosing the cosmetic brands they use, especially local cosmetics. Therefore, the author decided to conduct research on generation Z, both men and women who live in Jabodetabek. Around 112 respondents completed the survey, and data collection was done using questionnaire. The data were analyzed using software SmartPLS 3.0 with analysis method structural equation modeling (SEM).Result showed that consumers' decisions to buy are significantly and favourably influenced by the halal label. This shows that consumers are increasingly aware of the importance of choosing locally produced cosmetics that are halal certified.Further evidence of a noteworthy degree of awareness of the significance of selecting halal-labelled products comes from the significant link that exists between customers' knowledge of local cosmetics and their shopping decisions. This study suggests further exploration of the specific factors that drive the positive influence of the halal label and emphasizes the need for a deeper understanding of the complex dynamics between religiosity and purchasing decisions, thereby contributing valuable insights for industry stakeholders.
Penelitian
Tanggal Publikasi: 30 Jun 2024
Does Sharia Impurity Affect Sharia Banking Performance?
Abstract: This research aims to analyze the factors that cause the insignificant development of sharia banking performance in Indonesia. This research focuses on identifying practices that are not purely sharia as the causal factors that hinder the development of sharia banking. The population in this research is Sharia Commercial Banks (BUS) registered with the Financial Services Authority (OJK) in the 2014-2018 period. The data obtained was analyzed using multiple regression with panel data. The results of this research indicate that murabahah financing and profits from transactions denominated in foreign currency have a negative effect on the performance of sharia banking. Financingmurabahaproven to increase Non-Performing Financing (NPF), in addition, transactions denominated in foreign currency are proven to reduce Return on Assets (ROA), as well as increase Operating Expenses, Operating Income (BOPO) and NPF of sharia banking. Meanwhile, non-halal income has no effect on sharia banking performance. The implication of this research is that sharia banking must improve operational practices that are not purely sharia to make them pure sharia. The two regulators, namely the OJK and the government, create a more conducive environment so that sharia banking is able to implement operational practices in accordance with sharia principles.Keywords: financial performance, sharia banking, impure sharia practicesIntroductionSharia banking is a representation of Islamic economic practices in Indonesia. Sharia banking is expected to provide a new color in the financial sector that is significantly different from conventional banking. However, in practice, sharia banking has notbeen able to create significant uniqueness which is ultimately considered to be one of the causes of the lack of development of sharia banking itself. Sharia banking is considered to have had stagnant development since its presence in Indonesia, even after the number of BUS became 14, the performance of sharia banking has not yet shown encouraging performance. This can be seen in the development of market share in the last 8 years, only ranging from 3.98% to 5.89% (Sharia Financial Development Report 2018;LPPM Report, 2018). Over the last 8 years the sharia banking market share has only grown by 1.8% with several declines. However, this growth in market share does not solely come from business growth but is
Penelitian
Tanggal Publikasi: 30 Jun 2024
SEARCHINGFORISLAMIC PERSPECTIVES ON LIVELIHOOD THEORY: INSIGHTS FROM AL-GHAZALI AND AL-SHAYBANI
The main purpose of this study is to explore livelihood theory in the works of al-Ghazali and al-Shaybani, presenting it as an alternative to mainstream livelihood conceptions by highlighting its normative impacts on current socio-economic situations. Through textual evidence, this study demonstrates that both scholars viewed livelihood not merely as a means to income and consumption, a perspective that fails to grasp the importance of livelihood as an end in itself and as a means to well-being. Al-Ghazali and al-Shaybaniemphasized that livelihood involves affiliating individuals with social responsibilities, which encompass multidimensional variables (religious, legal, moral, political, social, economic, etc.) that influence each other. In light of this, the study proposes to evaluate the potential impact of their ideas on the latest theoretical developments in livelihood and economic science
Penelitian
Tanggal Publikasi: 30 Jun 2024
Government Expenditure Efficiency Towards Islamic Human Development Index (IHDI): Data Envelopment Analysis Application
This study examines the efficiency of local government spending
Penelitian
Tanggal Publikasi: 30 Jun 2024
The Influence of Factors on Students’ Financial Management: SEM Approach
This study aimed to identify the factors influencing student financial management in the Jakarta Metropolitan Area. The study included 206 Jakarta Metropolitan Area respondents who met the following criteria: active students at Jakarta Metropolitan Area universities aged 17 to 25 years. The study employed the SEM-PLS method as the primary analysis approach. The results indicated that several factors showed positive and negative correlations on student financial management in the Jakarta Metropolitan Area. Specifically, self-control and financial literacy, which are internal factors, influenced financial management, while allowances and good lifestyle, which are external factors, had no influence. These findings suggest that individuals tend to manage their finances effectively when equipped with a thorough understanding of financial principles and strong self-control. The results of this study offer significant practical implications for the Jakarta Metropolitan Area government in designing strategies to increase financial inclusion more effectively. This study emphasizes the importance of self-control and financial literacy as the main factors affecting financial management skills among college students, and lifestyle factors and the amount of pocket money have no significant effect. Furthermore, financial institutions can use these findings to develop better financial products to meet consumers' preferences for sound financial principles. By providing a better understanding of the factors influencing financial management, this research can contribute to more responsible, sustainable, and compliant financial management within society.
Penelitian
Tanggal Publikasi: 30 Jun 2024
Navigating Islamic Investments: The Role of Islamic Financial Literacy, Religiosity, and Motivation using PLS-SEM
Along with the increasing number of investment transactions which continued to soar until the end of 2023, the Islamic Capital Market is additionally playing its role in improving the economy in Indonesia, especially for Muslims who want to carry out investment transactions within the Sharia corridor. This research aims to find out whether Islamic financial literacy, religiosity, and investment motivation significantly influence on investment intention in the Islamic Capital Market with a case study of Muslims in Bogor. The object is chosen Bogor is one of the largest Muslim regions in West Java, as the province itself is the top ten largest Muslim community in Indonesia. The results of research using SEM-PLS (Structural Equation Model Partial Least Square) show that Islamic financial literacy has no significant effect on investment intention in the Sharia Capital Market as the T-Statistic is being rejected (0.524> 0.05), but religiosity (0.001< 0.05) and investment motivation (0.000< 0.05) are proven to have a significant influence on investment motivation in Sharia Capital Market as the T-Statistics are being accepted. However, this study complements previous research differentiating the research scope and summoning some variables that was used in the previous research. Religiosity is measured by the respondent’s consideration of Islamic law in investment institutions, while investment motivation means the respondent’s desire to fulfill their physiological needs, sense of safety needs, social needs, esteem needs, and self-actualization needs.
Penelitian
Tanggal Publikasi: 27 Jun 2024
The Influence of Service Attributes on Customer Intention to Revisit Sharia Hotel with Halal Awareness as a Moderating Variable
Purpose – This research aims to analyze the effect of service attributes, including halal food and beverages, sharia-compliant hotel facilities, sharia-compliant hotel operations, and Sharia-compliant hotel design, to revisit Sharia hotels in Jakarta, Bogor, Depok, Bekasi (Jabodetabek) areas with halal awareness as a moderating variable.
Methodology – The data utilized consisted of 150 respondents who are Muslim consumers who have previously stayed and revisited Sharia hotels in the Jabodetabek area. Sampling technique used was purposive sampling. The data were analyzed using structural equation modeling (SEM) and processed through partial least squares (PLS) analysis.
Findings – This research found that Sharia-compliant hotel operations and design significantly and positively influence consumers' intention to revisit Sharia hotels in Jabodetabek. However, halal food and beverages, as well as Sharia-compliant hotel facilities, ddid not have a significant impact on repeat visits. Halal awareness, as a moderating variable, has not been able to strengthen the influence of Sharia hotel service attributes on repeat visits
Penelitian
Tanggal Publikasi: 24 Jun 2024
THE IMPACT OF THE FORWARD-LOOKING EXPECTED LOSS METHOD REFERS TO FINANCIAL ACCOUNTING STANDARD NO. 71 ON EARNINGS QUALITY OF THE INDONESIAN ISLAMIC BANKS
The aim of this research is to test and analyze the effect of applying the Expected Loss Method on earnings quality in the context of the pandemic surrounding. The research sample consisted of 16 Islamic commercial banks registered with the Financial Services Authority for the 2019-2022. Using panel regression analysis techniques processed through STATA 18, this research measures earnings quality with discretionary loan loss provisions (DLLP). Control variables include liquidity, which is proxied by the financing-to ratio (FDR), efficiency by BOPO, and bank size by Ln Total Financing. The results show that the impact of EFL on earnings quality is positively significant. This means that the higher the implementation of EFL, the greater the increase in DLLP, which indicates a further decline in earnings quality. During the pandemic, DLLP 27.98 demonstrated a higher value compared to non-pandemic periods, indicating a decline in earning quality during that period. This research provides input for regulators in drafting regulations related to CKPN, which is prone to being used as an earnings management tool. For investors, these findings can help in evaluating bank performance to make better investment decisions.
Penelitian
Tanggal Publikasi: 24 Jun 2024
The Influence Of Brand Awareness, Brand Image, And Brand Trust On The Decision To Purchase HP Laptops In The Jabodetabek
Community
The personal computer industry, especially in the classification of
laptop, is one of the largest industries in Indonesia, which has massive
sales. In this sector, products from several global-scale computer
companies have long been the choice of Indonesian consumers,
including HP as its one of leading brand for laptop. This aim to analyze
the effect of brand awarness, brand image, brand trust on HP laptop
purchasing decisions in Jabodetabek who use HP Laptop. The
population in this study were 100 then the whole was taken to be
sampled who use HP laptop. Methods of data analysis using the
validity and reliability of the questionnaire, multiple regression analysis.
The results of this study indicate that the brand awarness, brand image
and brand trust variables simultaneously and partially have a significant
effect on purchasing decisions (a survey of HP laptop users specifically
for the Jabodetabek area). The coefficient of determination is 0.772
which indicates that the ability of the independent variables to predict
the dependent variable is 77%. 23% is influenced by other factors not
examined by the author
Penelitian
Tanggal Publikasi: 24 Jun 2024
The Influence Of Brand Image, Brand Satisfaction And Brand Trust On
H&M Customer Brand Loyalty In The Jabodetabek Area
Fast fashion is a phenomenon in the clothing industry that offers the
latest fashion trends at low prices and fast production times. one of the
famous brands is H&M. In Indonesia, H&M has spread to 19 cities in the
last 8 years.This study aims to analyze the effect of brand image brand
satisfaction brand trust on H&M customer brand loyalty in the
Jabodetabek area. Data collection was carried out by distributing online
questionnaires via G-form. Multiple linear regression methods are used
as data processing methods. The results of this study partially the
Brand Image variable has no significant effect on brand loyalty, and the
Brand Satisfaction variable, and Brand Trust have a significant positive
effect on Brand Loyalty. Simultaneously all dependent variables affect
the Brand Loyalty variable. In this study, all independent variables can
influence the dependent variable by 58%.
Penelitian
Tanggal Publikasi: 20 Jun 2024
Use of ChatGPT to Improve Digital Enterprise Business Performance
Artificial intelligence-based technologies, such as Chat GPT, are increasingly being applied in online businesses to improve business performance in businesses. This research uses qualitative research to explore the impact of using GPT Chat on online business performance among digital business actors using a phenomenology approach. In this research, data collection was carried out using a structured interview method. The data analysis method used in this research is thematic analysis. The results of data analysis show that using ChatGPT helps complete tasks faster, makes it easier to complete tasks, helps acquire new knowledge, helps acquire new skills, helps find innovative ideas, using ChatGPT can improve your service delivery to customers, helps identify problems faced by the company, helps in making decisions for the company, helps make better quality decisions and helps make more effective decisions.
Penelitian
Tanggal Publikasi: 19 Jun 2024
Pengaruh Literasi Keuangan Syariah Terhadap Minat Menggunakan Fintech Peer to peer (P2P) Lending Syariah: Studi Kasus Masyarakat di Jabodetabek
This study aims to analyze the influence of variables such as knowledge, ability, attitude, and trust on the interest in using Shariah Peer to peer (P2P) Lending Fintech: A Case Study of Communities in Jabodetabek. The data source of this research is primary data derived from a sample of residents in Jabodetabek. Data collection was conducted by distributing questionnaires to 100 respondents. The analysis method used is Partial Least Squares Structural Equation Modeling (SEM-PLS) technique using SmartPLS.3 software. The results of this study indicate that all four variables significantly influence interest and engagement of the community in using Shariah fintech services. It emphasizes the complexity of factors influencing the adoption of Shariah financial technology.