The Influenced Factors of the Switching Customer to Halal Cosmetic Products

Ideally, a Muslim will easily decide to consume cosmetic product that have a halal label compared to cosmetic product that are not yet labeled halal. However, there are many people who switch use of product even though they are labeled halal. This study aims to analyze behavior patterns and factors that probability influence customers to switch away from halal cosmetic products. This study used primarly data with purposive sampling of 100 respondents in special region of Yogyakarta. Using logistic regression, the results show that the behavior pattern of customer switching for halal cosmetic products was dominated by the Millennial generation who have high curiosity and aggressiveness so that this generation's behavior tends to be disloyal, including consuming cosmetics with halal products. Pricing, sales promotion, reputation and sales ethics have probability to influence customer switching behavior of halal cosmetic products. The halal cosmetic industry needs to pay attention to the behavior patterns of millennial generation, especially in terms of factors that probability influence to switch from halal cosmetic products

STRATEGI PENYELESAIAN PEMBIAYAAN BERMASALAH: TINJAUAN ASPEK HUKUM (Studi Pada BPRS di Provinsi Daerah Istimewa Yogyakarta)

Strategi penyelesaian pembiayaan bermasalah dilakukan melalui dua jalur yaitu jalur non-litigasi maupun litigasi. Jalur non-litigasi (kekeluargaan) bisa dilakukan dengan penagihan, restrukturisasi, hapus buku atau tetap menjaga pertumbuhan pembiayaannya. Jika jalur non-litigasi tidak mencapai kesepakatan dan tidak bisa menyelesaikan pembiayaan bermasalah maka BPRS bisa menempuh jalur litigasi yang lebih mempunyai kekuatan hukum mengikat antar pihak.Penelitian ini merupakan penelitian dekriptif kualitatif dengan menggunakan penelitian lapangan (field research). Subjek penelitian yang digunakan untuk penelitian ini adalah BPRS yang ada di Provinsi Daerah Istimewa Yogyakarta.  Data diperoleh dari wawancara kepada pihak terkait, observasi laporan keuangan dan studi dokumentasi berkaitan dengan proses penyelesaian pembiayaan bermasalah beserta jurnal-jurnal ilmiah terkait.Hasil penelitian menunjukkan bahwa ketika jalur non-litigasi atau jalur kekeluargaan tidak mencapai kesepakatan antara BPRS dan nasabah, maka BPRS bisa melanjutkan dengan menempuh jalur hukum yaitu dengan mengajukan gugatan sederhana untuk nilai gugatan kurang dari 200 juta. Adanya aturan Perma baru tentang Gugatan Sederhana menjadi salah satu alternatif yang bisa digunakan BPRS dalam menyelesaikan pembiayaan bermasalah terhadap perkara cidera janji (wanprestasi) dan/atau perbuatan melawan hukum yang dilakukan nasabah. BPRS perlu mempelajari tata cara pengajuan Gugatan Sederhana yang bisa menjadi solusi lain dalam menyelesaikan permasalahan wanprestasi nasabah yang menyebabkan tingginya angka NPF

Analisis Pengaruh Layanan Digital Perbankan Syariah terhadap Literasi Keuangan Syariah Generasi Milenial

Good financial literacy, especially in the digital era now is important to be understood by millennials. The digitization of Islamic which is able to provide more efficient, safer, faster financial products and the risk of losing money is less well understood by this generation. Islamic digital banking services like mobile banking and internet banking, which describe the virtual process to support all services, are expected to be able to significantly increase the level of Islamic banking literacy and have a positive impact on business growth in general. This study used a quantitative descriptive research design. The sampling method used purposive sampling method. Data was obtained by using questionnaire which was distributed to 100 millennial respondents who used m-banking or i-banking in Kudus. The answers to the questionnaire were measured using a rating scale, then data was analysed by multiple linear regression. The results showed that m-banking and i-banking had a significant and positive effect to the literacy of millennials about Islamic banks in Kudus. It was proven by a significance value of 0.000 (p <0.05). The R-square value is 0.775, which means the contribution of the influence provided by m-banking and i-banking services to millennials Islamic financial literacy in Kudus is 77.5%, while the remaining 22.5% is influenced by other variables

ANALISIS PRAKTIK MINDRING MODERN

This research aims to analyze the practice of Mindring Modern Jaya Mandiri in Kudus from the view of the National Sharia Council (DSN) fatwa of the Indonesian Ulema Council (MUI) No. 110/DSN-MUI/IX/2017 about sale and purchase contracts. This research is a qualitative research with a case study approach. The method used in this research is interview, observation, and documentation. The data validity technique used is triangulation, with analytical procedures including data reduction, data display, making conclusions and verification. The results of this study indicate that the practice of Mindring Modern Jaya Mandiri Kudus is not in accordance with the fatwa of DSN MUI No: 110/DSN-MUI/IX/2017. The use of the lease-purchase contract is not in accordance with the practice of mindring. The appropriate contract is bai’ &nbsp;al-taqsith

PENGARUH KECERDASAN EMOSIONAL DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN MELALUI KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING

The Business sector is facing intense competition around the world so that organizations recognize the importance of human resources as a competitive advantage. For this reason, the factors that have an influence on employee performance are discussed in this study including emotional intelligence, work environment and job satisfaction. This study aims to analyse the effect of emotional intelligence and work environment on employee performance through job satisfaction as intervening variable at PT. Indomaju Textindo Kudus. The quantitative method used in this research is using AMOS confirmatory analysis followed by Structural Equation Modeling (SEM). This research uses non probability sampling method (accidental sampling) in order to collect data. Primary data is used in the study by distributing 150 sample questionnaires to production employees at PT. Indomaju Textindo. The findings in this study are that emotional intelligence and work environment have a direct effect on employee performance. From the research results it can be concluded to improve the performance of employees at PT. Indomaju Textindo can be pursued by maintaining and improving the emotional intelligence of employees and a safe and comfortable work environment

The Influence of Leadership Style on Employee Performance through Readiness For Change Post Acquisition Company

The current period of acquisition strategy is an effective and efficient way to relocate assets in the economy, especially the banking sector. The acquisition brought many changes to the organization. The research aims to answer the influence of post-acquisition Leadership Style on employee performance through Readiness for Change as an intervening variable. This research method uses Partial Least Square (PLS). This study uses a non-probability sampling method to collect data. Primary data is used in this study by distributing 100 sample questionnaires to employees at BRI AGRO bank. The finding is that leadership style has a significant effect on employee performance post-acquisition through readiness for change. The results of the study, can be concluded that in order to improve the performance of employees at Bank BRI AGRO, they can maintain and improve their leadership style. In addition to mediating research variables, Readiness for Change also has a direct influence on employee performance.

Abstracts of the International Halal Science Conference 2023

This book presents the extended abstracts of the selected contributions to the International Halal Science Conference, held on 22-23 August 2023 by the International Institute for Halal Research and Training (INHART), IIUM, Malaysia in collaboration with Halalan Thayyiban Research Centre, University Islam Sultan Sharif (UNISSA), Brunei Darussalam. With the increasing global interest in halal products and services, this conference is timely. Conference Title:  International Halal Science ConferenceConference Acronym: IHASC23Conference Theme: Halal Industry Sustainability Through ScienceConference Date: 22-23 August 2023Conference Venue: International Islamic University (IIUM), MalaysiaConference Organizer: International Institute for Halal Research and Training (INHART), International Islamic University (IIUM), Malaysi