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Penelitian
Tanggal Publikasi: 22 Agt 2024
Menakar Keabsahan Gharar Dalam Perspektif Hukum Islam (Studi Komparatif Gharar Menurut Para Fuqaha)
Gharar adalah salah satu konsep penting dalam hukum Islam yang terkait dengan ketidakpastian atau ketidakjelasan dalam suatu transaksi. Konsep ini memiliki dampak yang signifikan terhadap keabsahan suatu kontrak atau akad dalam konteks keuangan dan perdagangan dalam syariah. Oleh karena itu, pemahaman yang mendalam tentang gharar sangat penting dalam menentukan kehalalan suatu transaksi. Tujuan dari penelitian ini adalah untuk melakukan studi komparasi tentang pandangan ulama terhadap konsep gharar. Penelitian ini menggunakan metode pendekatan kualitatif dengan mengumpulkan data melalui studi literatur dan analisis terhadap pendapat ulama yang berbeda. Hasil penelitian menunjukkan bahwa pandangan ulama terhadap gharar memiliki variasi dan perbedaan yang dapat dibedakan dalam beberapa kategori. Salah satu kategori adalah ulama yang menganggap gharar sebagai sesuatu yang harus dihindari sepenuhnya, dan mereka cenderung membatasi transaksi yang mengandung ketidakpastian yang signifikan. Sementara itu, ada juga ulama yang memperbolehkan tingkat gharar tertentu dalam transaksi, dengan syarat adanya manfaat ekonomi yang jelas dan tidak adanya penipuan atau ketidakadilan. Selain itu, penelitian ini juga mengidentifikasi faktor-faktor yang mempengaruhi perbedaan pandangan ulama terhadap gharar. Faktor-faktor tersebut meliputi pemahaman terhadap nash-nash syariah yang terkait, konteks historis dan sosial, serta pemahaman terhadap tujuan syariah yang ingin dicapai melalui konsep gharar
Penelitian
Tanggal Publikasi: 7 Agt 2024
The Determinants of Millennial Interest in Investing on Sharia Securities Crowdfunding Platforms In Indonesia
This research aims to analyze the influence of attitude variables, subjective norms, and perceived behavioral control on interest upon investing in SCF sharia as well as the influence of the variables of Islamic financial literacy, religiosity, risk and return on attitudes towards investing among the millennial generation in SCF Syariah. The research employed a quantitative approach utilizing the Structural Equation Model Partial Least Square (SEM-PLS) with primary data gathered through purposive sampling. The technique was conducted by an online method on 152 individuals from the millennial generation. Not all TPB factors significantly influence the interest to invest in Sharia Securities Crowdfunding. Attitude and Behavior Control Perception have a positive impact on the interest to invest in Sharia SCF. Subjective Norm does not have an impact on the interest to invest in Sharia SCF. Sharia financial literacy does not significantly affect attitude. Religiosity significantly affects attitude. Risk and return significantly affect attitude.
Penelitian
Tanggal Publikasi: 3 Agt 2024
The Impact of Management Knowledge Capability on Organizational Performance with Innovation as a Mediator
This research aims to explore the influence of knowledge management capabilities on organizational performance, especially in the context of Batik MSMEs in Klaten, Central Java, Indonesia. This research uses a purposive sampling technique. Data was taken using a questionnaire with a total of 60 respondents. This research involves independent variables, namely knowledge management capability, the dependent variable, namely organizational performance, and the mediating variable innovation. The data analysis technique used is smartPLS analysis. The results of this research show that knowledge management capability has a positive effect on organizational performance, knowledge management capability has a positive effect on innovation, and innovation has a positive effect on organizational performance. Innovation can mediate the influence of knowledge management capabilities on organizational …
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: 1 Agt 2024
This study aims to analyze the efficient market form of the Jakarta Islamic Index. The methodology used is an event study with a window period of 20 days, including ten days before and ten days after the announcement of composition changes held twice a year. The sample consists of 102, with 30 companies listed during the study period and 36 companies excluded and re-listed following the composition change announcements. The analysis technique used is the Paired Sample T-test. The findings reveal no differences in abnormal returns and trading volume activity before and after the announcement. This suggests that the market had already absorbed the announcement information before the event, resulting in a weak reaction and indicating that the announcement did not significantly impact the Jakarta Islamic Index. This implies that the index operates in a semi-strong form of market efficiency. Consequently, companies listed in the index may need additional strategies to improve their stock performance. To provide further insight, this study also examines the average stock trading activity of companies that enter and exit the composition of the Jakarta Islamic Index for the 2019-2023 periods.
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: 11 Jul 2024
MODERN IRRIGATION TECHNOLOGY: MANAGEMENT OF RICE ENDOWMENT FOR PRODUCTIVITY WITH A PRINCIPLES OF BENEFIT APPROACH TO SUPPORT SUSTAINABLE DEVELOPMENT GOALS (SDGS)
This research aims to find out, analyze, and provide alternative solutions regarding productive endowment management of paddy endowment land using a benefit principle approach. This paper examines the optimization of production from rice fields standing on endowment land through the use of modern irrigation technology. The study of productive endowment on endowment rice fields was then studied using the approach of Article 43 of the Endowment Law which explains productive endowment. Since 2004, many productive endowment development projects have begun to be developed. Especially rice field endowment is the dominant object of the endowment allocation aspect in Indonesia. Apart from that, rice endowment is also an object that has the potential to generate benefits for the economic climate in Indonesia. The output of the endowment is a benefit. The application of the principle of benefit in managing rice endowment needs to be considered. One way to achieve the goals and implementation of the principles, endowment managers and rice farmers can develop them through modern irrigation technology. This study supports current issues in the Sustainable Development Goals (SDGs) regarding food.
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: 2 Jul 2024
THE ROLE OF BAITUL MAAL WA TAMWIL TUNAS HARAPAN SYANTARA IN THE MANAGEMENT OF CLEAN WATER FACILITIES IN PESANGGRAHAN VILLAGE, EAST LOMBOK
This research departs from the problem of managing clean water sources in Pesanggrahan Village, East Lombok which was carried out by Baitul Maal wa Tamwil Tunas Harapan Syantara. In conducting research, the study used qualitative research based on interviews, documentation and questionnaires as primary data in this research. In the next stage, the study analyzes the data using management theory and SWOT to look at planning, organizing, implementing, controlling models and the problems faced. After going through a long academic research process, the result indicates that the value of strengths-weakness (2.53-0.58): 2 = 0.98, while opportunities (1.50) – Threats (1.14): 2 = 0.18. The finding also indicates that the SWOT analysis quadrant graphic, the position of clean water source management is in quadrant I, which means it is good for the continuation of clean water management in Pesanggrahan Village. The next strategy that must be carried out is promotion, using advertising, sales promotion, personal selling, direct marketing and public relations.
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.