PENELITIAN

Abstrak : 

Purpose – This paper aims to examine the relationship between economic freedom and Islamic rural banks’ performance (BPRS) in the case of Indonesia.

Design/methodology/approach – The study covers 40 Islamic rural banks in 34 Indonesian regions from 2014 to 2021. The GMM method is employed to demonstrate the effect of economic freedom on the performance of Islamic rural banks.

Findings – The results indicate that business freedom and investment freedom have a substantial favorable effect on the profitability of Islamic BPRS. In contrast, monetary freedom has a detrimental effect, and all signs support past research in this regard.

Practical implications – This study can serve as a guidance for the administration of BPR Syariah in sustaining financial performance. The findings show that governments should consider the repercussions of liberalization and reform of the banking sector. When financial intermediaries operate in a less limited business and investment environment, they are more likely to pursue competitive activities that boost financial success. Lastly, academics might use this data to examine the economic flexibility of BPRS.

Research limitations/implications - This study has its own limitations that provide opportunities for future research. Although the model has explored a significant share of external factors in BPRS performance, further studies may use other institutional control variables.

Originality/value – To the author's knowledge, studies on the role of economic freedom in the profitability of Islamic BPRs are still limited, particularly in the Indonesian context. This finding is an initial effort and fills the existing literature gap.

Abstrak : 

Since the 1970s, discourse has emerged to form a sharia bank located in Indonesia. Around 1974, a national seminar on Indonesia's relations with the Middle East and in 1976, the Bhinneka Tunggal Ika Foundation and the Institute for the Study of Social Sciences (LSIK) jointly held an international symposium in 1976 which discussed this topic. This type of research is quantitative research using secondary data in the form of time series in the form of published Annual Reports and Good Corporate Governance Reports of Sharia Commercial Banks. The population in this research is 13 Sharia Commercial Banks. The sampling technique used Purposive Sampling, and 11 Sharia Commercial Banks were obtained. The methods used are descriptive analysis, hypothesis testing using the coefficient of determination test, partial t test. The research results show that there is no significant influence of Good Corporate Governance (GCG) on Return On Assets (ROA) in Sharia Commercial Banks in Indonesia for the 2020-2022 period.

Abstrak : 

Purpose – The Indonesian government has now developed a QRIS Code-based non-cash payment system for MSMEs. MSMEs are the main channel for the success of the program through various transaction services provided to customers. This study aims to determine the readiness of customers in adopting the new MSME services. UTAUT Theory will be used to investigate.

Design/methodology/approach – This study uses quantitative approach. Partial least squares structural equation modeling (PLS-SEM) was use to analyze the data. Using the purposive sampling technique, this study collected 195 respondents.

Findings – There are two main variables driving the readiness of customer in adopting new service the QRIS non-cash payment system offering by the MSMEs, namely social influence and facilitating conditions. Meanwhile, the variable performance expectancy and effort expectancy have a positive but insignificant effect.

Research limitations/implications – In order to increase readiness to use the QRIS e-payment system by consumers in Indonesia, QRIS service providers need to form a favorable opinion in society by increasing social influence through collaborating with community leaders or important people in their community and facilitating services that facilitate community adopts QRIS. This will encourage customer readiness and accelerate the migration of cash transactions to non-cash transactions in Indonesia.

Originality/value – These findings are believed to make an important contribution to the further adoption of electronic payment facilities provided by the Indonesian government and service providers and in developing a QRIS-based non-cash payment system in Indonesia.

Abstrak : The main purpose of this paper is to analyze the influence of community literacy about Islamic banks on their interest in becoming customers of Islamic banks. Besides, it also identifies the factors into consideration in choosing an Islamic bank. Primary research data obtained through dissemination questionnaires and interviews. The questionnaire was filled by 17 respondents randomly. Data interviews were collected through structured interviews with the community City of Tangerang who agreed to be interviewed. Respondents who were interviewed, both respondents and non-customers. The data obtained is validated by the method source triangulation. The results showed that the people of Tangerang City have an interest in becoming a customer of an Islamic bank, but the interest is not accompanied by a comprehensive understanding. Respondents have general knowledge about Islamic banking, but do not know in detail muamalat contracts in sharia banking products. Sharia suitability and personal reasons are the main factors for his interest become a customer of an Islamic bank. The research findings demand Islamic bank operators to carry out massive promotions so that people have knowledge comprehensive information related to sharia banking.

Abstrak : Penelitian ini dilatar belakangi oleh adanya kenaikan pada pertumbuhan transaksi mobile banking dari tahun 2019 (15,4 juta), 2020 (33,8 juta), 2021 (46,4 juta), 2022 (124,54 juta). Penelitian ini bertujuan untuk menganalisis Pengaruh Citra Merek, Kualitas Pelayanan Dan Kepercayaan Terhadap Loyalitas Nasabah Pengguna Mobile Banking (Studi Kasus Pada Bank Syariah Indonesia). Responden dalam penelitian ini adalah Nasabah Bank Syariah Indonesia yang menggunakan aplikasi mobile banking. Metode pengumpulan data dilakukan dengan metode purposive sampling, total sampel yang diambil dari penelitian ini adalah 100 responden nasabah Bank Syariah Indonesia. Data yang diperoleh kemudian diolah dengan menggunakan alat bantu SPSS versi 22 dan dianalisis dengan analisis regresi linier beganda. Analisis ini meliputi uji validitas, uji reliabilitas, uji multikolinieritas, uji heteroskedastisitas, uji normalitas, uji Ttest, uji Ftest, analisis regresi linier berganda, uji R (koefisien determinasi).adapun hasil dari penelitian ini adalah ada 3 faktor yang mempengaruhi loyalitas nasabah  yakni citra merk,kualitas pelayanan, dan kepercayaan.

Abstract : Indonesian society is pluralistic—many different ethnicities, cultures and religions. One of the things that are currently booming is related to religious issues. The religion in question is Islam because the Indonesian people are the majority of the Muslim community. With the Muslim majority community, this is the field of business-oriented capitalists. This capitalist tries to marry all business activities with the Islamic religion, called the commodification of religion. This study aims to describe the commodification of religion in terms of property, namely sharia housing. This research uses a Qualitative method. The Result Basically, the concept of sharia housing marries the idea of conventional housing that has existed before with the concept of religion to form a new lifestyle and identity among urban communities; marketing strategies with the gathering concept are various ways that developers use using religious symbols to sell their products. The use of religious symbols in the sale of sharia housing is considered a form of religious commodification.

Abstrak : Penelitian ini bertujuan untuk mengetahui fintech Syariah dalam perspektif hukum islam dengan metode deskriptif kualitatif. Jenis penelitian yang digunakan dalam penelitian ini adalah studi literatur yang diperoleh dari berbagai sumber. Hasil yang diperoleh menunjukkan bahwa fintech Syariah merupakan suatu pembahasan fikih kontemporer yang belum diputuskan hukumnya dalam Al-Qur`an dan Hadis Nabi SAW, sehingga menggunakan ijma (konsensus ulama) sebagai sumber hukum. Majelis Ulama Indonesia mengeluarkan Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI) No.117/DSN-MUI/II/2018 tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah. Fatwa tersebut telah sesuai dengan hukum Islam serta memiliki perlindungan hukum yang jelas dan terkandung dalam perundang-undangan.

Abstrak : Penelitian ini bertujuan untuk mengetahui peningkatan budaya organisasi dengan pendekatan Structural Equalition Modelling (SEM) pada Sekolah Islam Asy-Syukriyyah Tangerang. Model dikembangkan dari teori budaya organisasi Stephen Robbins yang meliputi tujuh perspektif. Penelitian ini adalah penelitian lapangan (field research) dengan pendekatan penelitian kualitatif. Teknik pengumpulan data dilakukan dengan observasi, wawancara, dokumentasi dan menyebar kuesioner. Teknik analisa menggunakan software GeSCA version 1.5 untuk mengetahui pengaruh antar perspektif budaya organisasi. 

Novelty : Novelty penelitian ini dengan penelitian terdahulu yaitu mengangkat tiga varibel yang terintegrasi Good Governance, Risk Management dan Compliance dalam mempengaruhi profitabilitas serta nilai perusahaan berbasis syariah di Indonesia. Selain itu juga penelitian ini menarik untuk dilakukan karena secara khusus dilakukan pada Badan Usaha Milik Negara (BUMN) yang terdaftar pada Indeks Saham Syariah Indonesia (ISSI) periode 2015 – 2017