Factors Influencing Interest in Muslim Entrepreneurs as Financing Partners for Sharia P2P Lending

This study aims to determine the factors that influence the interest of Muslim entrepreneurs in Sharia P2P lending. The determinant factor used is perceived ease of use, the subjective norm in Muslim circles, perceived usefulness, knowledge about riba, and review from the experience of financing partners. This study used a quantitative method tested by structural equation model (SEM) analysis techniques. Data were processed using SmartPLS 3.0 software. Data was obtained through an online questionnaire. Respondents who were used by UMKM, UKM, or startup business actor, Muslim, and had attended online classes and seminars on Sharia fintech. The number of respondents used was 90. The results show there were three predictors, perceived ease of use, the subjective norm in Muslim circles, and perceived usefulness that did not have a significant effect on behavioral intention, but two predictors of knowledge about riba and review from the experience of financing partners have a significant influence on behavioral intentio

Kontribusi Instrumen Moneter Syariah dan Konvensional Terhadap Inflasi di Negara OKI

This study aims to determine the impact of Open Market Operation Sharia (OMOS), Open Market Operation Conventional (OMOC), and Interest Rates on inflation in OIC countries. This study employed a quantitative approach to the panel data technique. From 2012q2 to 2021q4, the sampled nations were Indonesia, Malaysia, Bahrain, and Pakistan. Using the Chow Test and the Hausman Test, the best models were chosen. The findings indicated that OMOS has a negative but insignificant impact on inflation. OMOC has a substantial negative impact on inflation. Consequently, interest rates have a substantial positive effect on inflation. This study can help central banks evaluate OMOS, OMOC, and interest rates to control inflation. Economic research on OMOS and inflation is limited. Researchers discovered that few previous studies discuss OMOS specifically. This study, therefore, seeks to fill in the gap

WHAT DRIVES RETURN OF SUKUK IN THE LONG AND SHORT TERMS?

This study aims to determine the effect of liquidity, inflation, and interest rates on the return of State Retail Sukuk (SUKRI) both in the short term and in the long term. Sampling in this study used a purposive sampling method by considering that the maturity of the series is the most recent and can be obtained in the secondary market and the data sources obtained from the monthly statistical reports of the Indonesia Stock Exchange (idx.go.id), the official website of Bank Indonesia (bi.go.id), as well as through a special request to The Indonesia Capital Market Institute (TICMI). Analysis of the data used in this study is a time series, namely research that is measured over a certain period of time. The period data used was in March 2017 on the grounds that the 009 Retail Sukuk as the object of this study were published in that month and ended in March 2020. The method used in this study is ARDL-ECM after going through the stationarity test and cointegration test. The results show that in the long term only the BI rate variable has a significant positive effect on Sukuk Returns, while in the short term only the Liquidity variable has a significant effect on Sukuk Returns. On the other hand, the inflation variable is known to have no significant effect on the Sukuk Returns in the long and short term. This research can be a reference for investors to make decisions in choosing SUKRI as their investment portfolio, as well as a consideration for the government in regulating risk management policies and determining the results offered to SUKRI which will be issued for subsequent series

Critical Review of Social Safety Net in COVID Era Based on Maqashid Sharia Framework: Indonesia Case

The high number of layoffs, bankruptcy, and increased poverty has forced the government to provide Social Safety Nets (SSN) programs to the public suffered from the COVID-19 pandemic. Problems arise when SSN programs failed to reach the basic needs of society. This paper aims to provide a Critical Review Analysis of the SSN program, especially in the COVID-19 pandemic, based on the Maqashid Sharia framework. This study used a qualitative approach with a case study analysis to provide a critical review of government policies in managing the COVID 19 pandemic. The data obtained from government policy literature such as Indonesia Laws from March-July 2020. The finding shows that from five aspects of Maqashid Sharia (Protecting Religion, Soul, Intellect/Mind, Heredity and Wealth), the Indonesia Government focuses on protecting the soul and wealth. This problem causes the non-optimal performance of the government when handling COVID 19 pandemics. The paper contributes to the government decision making for the SSN Program based on the the Maqashid Shari

PENGARUH ECONOMIC VALUAE ADDED (EVA) TERHADAP MARKET VALUE ADDED (MVA) PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BURSA EFEK JAKARTA PERIODE 1991-1995

Konsep EVA dan MVA yang dicetuskan oleh Stem Stewart & Co. telah menjadi altematif bagi penilaian kinerja sebuah perusahaan. Konsep ini diharapkan mampu menutupi kelemahan alat ukur kinerja perusabaan dengan .pende:katan akuntansi tradisional yang selama ini sering digunakan. Adanya accounting distortion dan financing distortion merupakan kelemahan utama pendekatan akuntansi tradional. Keunggulan EVA sebagai alat ukur kinetja internal adalah kemampuannya mengukur nilai tambah yang berhasil diciptakan perusahaan secara langsung setelah memperhitungkan semua biaya atas modal yang digunakan untuk menciptakan nilai tersebut. Sedangkan MVA sebagai alat ukur kinerja ekstemal mampu mengukur pertambahan nilai perusahaan tersebut berdasarkan penilaian pasar. EVA mempunyai... pengaruh terhadap terciptanya MVA. Jika sebuah perusahaan dapat menghasilkan pengembalian lebih dati biaya modalnya akan mencipatakan nilai EVA positif yang akan meningkatkan nilai MVA-nya, sebaliknya jika tingkat pengembalian di bawah biaya modal akan menciptakan EVA negatifyang mengurangi MVA-nya. Cam kerja EVA dan MVA diatas sejalan dengan tujuan perusahaan yang ingin memaksimumkan nilai stau kekayaan pemiliknya Tujuan penelitian ini adaJah untuk mengetahui pengaruh Economic Value Added (EVA) terhadap Market Value Added (MVA) perusahaan publik di Indonesia. Penelitian ini mengambil sampel perusahaan manufaktur yang terdaftar di Bursa. Efek Jakarta Periode 1991-1995. Regresi linier sederhana digunakan sebagai model untuk mengetahui pengaruh EVA terhadap MVA. Uji statistik (uji t) terhadap basil regresi tersebut menyimpulkan bahwa EVA mempunyai pengaruh positif yang signifikan terhadap MVA. Namun EVA tidak terlalu kuat mempengaruhi dan menjelaskan varaibilitas MVA. Hal tersebut dimungkin oleh beberapa sebab, antam lain: keterbatasan EVA yang banya mengukur kinerja keuangan, ketidakakuratan perhitungan means keterbatasan data, dan kondisi pasar modal yang belum efisien

Determinan Niat Untuk Menggunakan Uang Elektronik Syariah : Integrasi TAM dengan Persepsi Religiusitas

The benefits of a transaction can be seen from how the payment system runs efficiently by using the minimum possible cost. the use of e-money is growing very rapidly in Indonesia, but the use of Islamic electronic money is still low. research that can identify factors that have the possibility to influence consumer intention to use electronic money or sharia e-money so as to increase its use in Indonesia. In this study, researchers want to integrate the Tecnology Acceptence model or commonly called TAM which is considered a simple model but has a strong role in predicting and explaining behavioral acceptance intentions with perceived religiosity. this study also considers knowledge of Riba (KR) as a moderating variable that can weaken and streng then the intention to use Islamic e-money which has not been considered by many other studies. The method used quantitative method with 172 samples with data analysis techniques using structural equation modelling (SEM). This study found that the integration of the TAM model and perceived religiosity (PR) can explain the intention to use Sharia electronic money (INT) by 60%. SN, PEU, PR have a significant effect on INT, while PU has no significant effect on INT. KR can also moderate the relationship between SN and INTThe benefits of a transaction can be seen from how the payment system runs efficiently by using the minimum possible cost. the use of e-money is growing very rapidly in Indonesia, but the use of Islamic electronic money is still low. research that can identify factors that have the possibility to influence consumer intention to use electronic money or sharia e-money so as to increase its use in Indonesia. In this study, researchers want to integrate the Tecnology Acceptence model or commonly called TAM which is considered a simple model but has a strong role in predicting and explaining behavioral acceptance intentions with perceived religiosity. this study also considers knowledge of Riba (KR) as a moderating variable that can weaken and strengthen the intention to use Islamic e-money which has not been considered by many other studies. The method used quantitative method with 172 samples with data analysis techniques using structural equation modeling (SEM) This study found that the integration of the TAM model and perceived religiosity (PR) can explain the intention to use Sharia electronic money (INT) by 60%. SN, PEU, PR have a positive and significant effect on INT. KR can also moderate the relationship between SN and INT

Determinan Niat Untuk Menggunakan Uang Elektronik Syariah : Integrasi TAM dengan Persepsi Religiusitas

The benefits of a transaction can be seen from how the payment system runs efficiently by using the minimum possible cost. the use of e-money is growing very rapidly in Indonesia, but the use of Islamic electronic money is still low. research that can identify factors that have the possibility to influence consumer intention to use electronic money or sharia e-money so as to increase its use in Indonesia. In this study, researchers want to integrate the Tecnology Acceptence model or commonly called TAM which is considered a simple model but has a strong role in predicting and explaining behavioral acceptance intentions with perceived religiosity. this study also considers knowledge of Riba (KR) as a moderating variable that can weaken and streng then the intention to use Islamic e-money which has not been considered by many other studies. The method used quantitative method with 172 samples with data analysis techniques using structural equation modelling (SEM). This study found that the integration of the TAM model and perceived religiosity (PR) can explain the intention to use Sharia electronic money (INT) by 60%. SN, PEU, PR have a significant effect on INT, while PU has no significant effect on INT. KR can also moderate the relationship between SN and INTThe benefits of a transaction can be seen from how the payment system runs efficiently by using the minimum possible cost. the use of e-money is growing very rapidly in Indonesia, but the use of Islamic electronic money is still low. research that can identify factors that have the possibility to influence consumer intention to use electronic money or sharia e-money so as to increase its use in Indonesia. In this study, researchers want to integrate the Tecnology Acceptence model or commonly called TAM which is considered a simple model but has a strong role in predicting and explaining behavioral acceptance intentions with perceived religiosity. this study also considers knowledge of Riba (KR) as a moderating variable that can weaken and strengthen the intention to use Islamic e-money which has not been considered by many other studies. The method used quantitative method with 172 samples with data analysis techniques using structural equation modeling (SEM) This study found that the integration of the TAM model and perceived religiosity (PR) can explain the intention to use Sharia electronic money (INT) by 60%. SN, PEU, PR have a positive and significant effect on INT. KR can also moderate the relationship between SN and INT

The Determinan Niat Crowdfunders Dalam Menggunakan Model Wakaf Crowdfunding: Integrasi 3 Model dengan Kepercayaan Sebagai Mediasi

The potential of waqf is huge in Indonesia, but it has yet to be optimized. One of the developing waqf models is cash waqf. With the development of technology, it can be an opportunity to maximize the collection of cash waqf funds in Indonesia. This research aims to provide knowledge for waqf institutions to adopt financial technology in developing cash waqf as productive and social waqf. The research assesses the Technology Acceptance Model (TAM 3), Theory of Planned Behavior (TPB), Unified Theory of Acceptence and Use of Technology (UTAUT 2), Perceived Trust (PT) as a mediating variable in seeing the behavior of the muwakif. This study uses a structural equation modeling (SEM) analysis model to test the hypothesis. Based on puroisve sampling, distributing questionnaires through online surveys using google form from various regions. The respondents collected from this study were 126 from the questionnaires that had been given. The results showed that TAM3, TPB and UTAUT2 had no effect on crowdfunders' behavioral intentions. PT has a significant positive effect on behavioral intentions. UTAUT2 has an effect on behavioral intention mediated by PT. The results of this study provide advice to the waqf authority to increase waqf collection by integrating fintech and promoting to the entire community.Potensi wakaf sangat besar di Indonesia, namun belum dapat teroptimalkan. Perkembangan model wakaf sangat berbagai macam salah satunya adalah wakaf uang. Dengan perkembangan teknologi dapat menjadi peluang memaksimalkan pengumpulan dana wakaf tunai di Indonesia. Penelitian ini bertujuan untuk memberikan pengetahuan bagi lembaga wakaf untuk mengadopsi teknologi keuangan dalam mengembangkan wakaf uang sebagai wakaf produktif dan sosial. Penelitian melakukan penilaian terhadap Technology Acceptance Model (TAM 3), Theory of Planned Behavior (TPB), Unified Theory of Acceptence and Use of Technology (UTAUT 2), Perceived Trust (PT) sebagai variable mediasi dalam melihat perilaku dari muwakif. Penelitian ini menggunakan model analisis persamaan structural structural (Structural Equation Modeling/SEM) untuk menguji hipotesis. Berdasarkan purposive sampling, penyebaran kuesioner melalui survei online menggunakan google form dari berbagai daerah. Responden yang terkumpul dari penelitian ini sebanyak 126 dari kuesioner yang telah diberikan. Hasil penelitian menunjukkan bahwa TAM3, TPB dan UTAUT2 tidak berpengaruh terhadap niat perilaku crowdfunders. PT berpengaruh positif signifikan terhadap niat perilaku. UTAUT2 berpengaruh terhadap niat perilaku yang dimediasi oleh PT. Hasil penelitian ini memberikan saran kepada otoritas wakaf untuk meningkatkan penghimpunan wakaf dengan menintegrasikan fintech dan mempromosikan kepada seluruh masyarkat