Pengaruh Kepercayaan, Nisbah bagi Hasil dan Persepsi Risiko terhadap Keputusan Pemilihan Produk Deposito IB

The increasing number of Islamic bank term deposit account indicates attract attention in sharia deposits. An in crease in the number of deposit accounts can be caused by several factors. This study aims to determine the effect of trust, profit sharing ratio and perceived risk on the decision to choose Islamic bank term deposit. The samples used in this study were 108 respondents Islamic bank deposit customers in Sidoarjo and Surabaya that are determined by purposive sampling. The analytical method used is Confirmatory Factor Analysis (CFA). The result of this study indicated that trust has an effect on the decision to choose Islamic bank deposit, while profit sharing ratio and perceived risk have no effect on the decision to choose Islamic bank deposit. With the results of this study, it is hoped that future researchers can do further research related to the decision to choose deposit products at different Islamic Banks in the community and add other variables such as literacy and spirituality levels so that they can correct existing deficiencies

Apakah Literasi Mempengaruhi Penerimaan Zakat?

Zakat is not only relates to ilahiyah worship but also relates to muamalah which has social and economic value. Zakat can be used as a tool to increase welfare and eradicate poverty. Since, Indonesia has large Muslim population, it supposes to has large amount of Zakat. However, the actual recorded zakat collection is still very far from the potency. People zakat literacy about zakat obligations is also low. This paper aims to see the impact pf zakat literacy to zakat collection by OPZ. This research was an associative quantitative study using PLS-SEM bootstrap with WarpPLS5. The object of this research was 9 OPZs (8 LAZNAS and 1 BAZ) which have representative offices in Surabaya. Respondents of this study were muzakki who represented OPZ. The results of this study indicated that zakat literacy has a significant effect on the realization of zakat collection, however the intention to pay zakat does not mediate the relationship between literacy and the realization of zakat collection. This research can be used to identify steps to increase zakat collection

Analisis Prinsip Syariah Pada Pembiayaan Modal Usaha: Studi Kasus BMT Mandiri Sejahtera Kecamatan Sugio Kabupaten Lamongan

The purpose of this study is to determine the conformity of Sharia principles in business capital financing at BMT Mandiri Sejahtera, Sugio sub-district branch. The method was descriptive qualitative with data collection techniques through interviews and documentation. The validity test used the source triangulation technique. This study indicates that BMT Mandiri Sejahtera has three Sharia contracts  in business capital financing. It consists of Rahn, murabahah and mudharabah. Rahn is the most popular financing contract. There have been violations of shariah rules on Rahn in 2019, whereas, for murabahah and mudharabah financing contracts, they have followed the existing Sharia rules.    Keywords: Baaitul maal tamwil, financing, Sharia contract, rahn, murabahah, mudharobahDalam upaya peningkatan kesejahteraan ekonomi, lembaga keuangan syariah salah satunya BMT mengeluarkan program pembiayaan baik konsumtif maupun modal usaha bagi anggotanya. Pembiayaan dari Lembaga keuangan BMT diberikan dengan mengutamakan prinsip Syariah yang ada. Namun di sisi lain pihak BMT dinilai masih kurang maksimal dalam memberikan penjelasan mengenai akad syariah dalam pembiayaan. Tujuan dri penelitian ini mengetahui kesesuaian prinsip syariah pada pembiayaan modal usaha di BMT Mandiri Sejahter cabang kecamatan sugio. Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif dengan Teknik pengumpulan data melalui wawancara dan dokumentasi. Uji validitas dilakukan dengan Teknik triangulasi sumber. Hasil penelitian ini menunjukkan bahwa terdapat tiga akad syariah yang diterapkan dalam pembiayaan modal usaha di BMT Mandiri Sejahtera. Masing-masing antara lain Rahn, murabahah dan musharabah. Akad pembiayaan Rahn banyak diminati tetapi terjadi pelanggaran di tahun 2019. Untuk akad pembiayaan murabahah dan mudharobah telah sesuai aturan syariah yang ada.   Kata Kunci: Baaitul maal tamwil, pembiayaan, rahn, murabahah, mudharoba

Pengaruh Tingkat Kesehatan Bank Terhadap Total Pembiayaan Bank Umum Syariah Periode 2012Q1-2020Q1

This study aimed to determine the effect of bank soundess level to the total financing of Islamic Banks in Indonesia during 2012Q1 – 2020 Q1. The bank soundess level was measured by the RGEC method with Non-Performing Financing, Financing to Deposit Ratio, Board of Commissioners Size, Return on Assets and Capital Adequacy Ratio as the variables. Quantitative approach was utilized in this study through panel data regression analysis. The sample were all Islamic Banks in Indonesia. The result indicated that the Non-Performing Financing, Financing to Deposit Ratio, Board of Commissioners Size, Return on Assets, and Capital Adequacy Ratio have no effect to the total financing of Islamic Commercial Banks partially, wheras simultaneously they affect the total financing. [Tujuan dari penelitian ini adalah untuk mengetahui pengaruh tingkat kesehatan bank dengan metode RGEC yang diukur menggunakan variabel Non Performing Financing, Financing to Deposit Ratio, Ukuran Dewan Komisaris, Return on Assets dan Capital Adequacy Ratio terhadap total pembiayaan bank umum syariah periode 2012Q1-2020Q1. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis data panel. Sampel dalam penelitian ini yakni seluruh Bank Umum Syariah yang ada di Indonesia. Hasil penelitian ini menunjukkan bahwa secara parsial variabel Non Performing Financing, Financing to Deposit Ratio, Ukuran Dewan Komisaris, Return on Assets, dan Capital Adequacy Ratio tidak berpengaruh terhadap total pembiayaan bank umum syariah. Sedangkan secara simultan, variabel Non Performing Financing, Financing to Deposit Ratio, Ukuran Dewan Komisaris, Return on Assets, dan Capital Adequacy Ratio berpengaruh terhadap total pembiayaan bank umum syariah.

Determinants of Generation Z in Paying Zakat, Infaq, and Alms (ZIS) Online in the City of Surabaya

(ZIS) in Indonesia has enormous potential in obtaining fundraising, where the Muslim population dominates. However, the facts that occur in the field are that the maximum amount of ZIS fund collection has not been realized. The existence of online ZIS today is a form of innovation for zakat institutions in the era of technological development to be able to help encourage an increase in ZIS collection. This study aims to analyze the factors that influence Gen Z's interest in paying ZIS online. This study uses associative quantitative methods with Sem-PLS analysis and the Smart PLS analysis tool. Sampling used a purposive sampling technique with sample criteria namely Gen Z (15-25) years old Muslims in the city of Surabaya. The results of the study show that the accountability variable influences Gen Z's interest in paying ZIS online. If accountability has increased, the interest of Gen Z in the city of Surabaya in paying ZIS online has increased. Meanwhile, the variables of usability, ease of use, risk, and transparency do not affect Gen Z's interest in making ZIS payments online. The findings from this study are that it can be used to improve the online ZIS system so that fundraising can increase

Pengaruh Electronic Money, Gaya Hidup Dan Pengendalian Diri Terhadap Perilaku Konsumsi Islam

This study was aimed to reveal the impact of electronic money, lifestyle and self control towards Islamic consumption behaviour pattern of Y and Z generation in Surabaya. The behaviour pattern of Islamic consumption was measured by 6 basic principles of consumption in Islam. Descriptive quantitative was applied as the research method. This study took 150 respondents as the research sample by using the formula of Malhotra. The data was collected by using questionnaire along with purposive sampling method and guttman scales. Then, probit regression analysis using the application of Stata 14 was occupied as the data analysis. It was resulted that the variable of electronic money had a marginal effect value of -9,5% so that the probability was not correspond to the Islamic consumption behaviour pattern whereas the variable of life style had a value of -9% which meant that the probability was not correspond to Islamic consumption behaviour pattern and the variable of self control indicated a value of 17% so that the probability matched with Islamic consumption behaviour patter

Faktor-faktor Yang Mempengaruhi Perkembangan Produk Pembiayaan Pada Bank Pembiayaan Rakyat Syariah di Jawa Timur

Penelitian ini bertujuan untuk menganalisis dampak DPK, NPF, FDR, ROA, Inflasi dan BI Rate terhadap jumlah pembiayaan yang disalurkan oleh BPR Syariah di Wilayah Jawa Timur di bawah Kantor Regional 4 OJK Jawa Timur pada 2014-2018. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan regresi berganda data panel. Hasil penelitian menunjukkan bahwa ROA, Inflasi dan BI Rate secara parsial tidak berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS, sedangkan DPK, NPF, dan FDR berpengaruh terhadap total pembiayaan oleh BPRS. Lebih lanjut, dana pihak ketiga, NPF, FDR, ROA, inflasi dan BI Rate secara simultan berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS. Prosentase Adjusted R Square sebesar 99,05%, 99,05% dari jumlah pembiayaan yang disalurkan oleh BPRS dipengaruhi oleh DPK, NPF, FDR, ROA, inflasi dan BI Rate sedangkan sisanya 0,95% dipengaruhi oleh variabel lain

Causality relationship among interest rate, inflation, exchange rate using vector autoregression

This paper aimed to analyze the causal relationship between interest rates, inflation, and exchange rates in Indonesia. This paper used Vector Autoregression (VAR). The Granger causality showed that the interest rate did not affect inflation, but inflation affected the interest rates. The exchange rate affected inflation, but inflation did not affect the exchange rate. As for the interest rate and the exchange rate, they did not affect each other. The Impulse Response Function of the interest rate was due to the shock of a positive change in one of its standard deviations. Inflation response to the change in one standard deviation of the interest rate initially was null in period one, increased in period two, and gradually decreased until period ten. The inflation response was due to the shock of a positive change in one of its standard deviations. In Variance Decomposition, interest rate shifting in period one and period two were still very dominantly influenced by the interest rate itself. Next, it was affected by inflation. Furthermore, changes in inflation in period one and period two were influenced dominantly by inflation itself. In the next period, interest rates and exchange rates affected inflation in a small percentage

Mediating Effect of Corporate Sustainability Strategy on Wellbeing and Sustainability of FELDA Settlers

The palm oil business is currently at stake due to labour shortages and high input costs, which affects the FELDA settlers to sell palm oil fruits as the millers refuse to purchase them. Consequently, the desire for more sustainable products has led researchers to investigate the issues and challenges faced by FELDA settlers. This research aims to identify the impact of FELDA settlers' social, environmental, and financial well-being, with mediating effect of corporate sustainability strategy. The findings postulate that social, environmental, and financial well-being were mediated by corporate sustainability strategy, while corporate sustainability strategy's direct relationship with sustainability was accepted. Keywords: FELDA settlers; wellbeing; sustainability; corporate sustainability strategy eISSN: 2398-4287 © 2022. The Authors. Published for AMER ABRA cE-Bs by e-International Publishing House, Ltd., UK. This is an open-access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/). Peer–review under the responsibility of AMER (Association of Malaysian Environment-Behaviour Researchers), ABRA (Association of Behavioural Researchers on Asians/Africans/Arabians), and cE-Bs (Centre for Environment-Behaviour Studies), Faculty of Architecture, Planning & Surveying, Universiti Teknologi MARA, Malaysia. DOI: https://doi.org/10.21834/ebpj.v7i21.375