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Tasharruf: Journal Economics and Business of Islam
Published by Institut Agama Islam Negeri Manado
ISSN : 25280317     EISSN : 25280325     DOI : http://dx.doi.org/10.30984/febi
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Tasharruf: Journal Economics and Business of Islam is a publication forum for scientific journals related to Islamic economics and business (economic journals).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
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Search results for , issue "Vol 6, No 2 (2021): December" : 6 Documents clear
RECOVERY OF MICRO FINANCING FOR WOMEN AT BANK BTPN SYARIAH DURING COVID-19 Trimulato Trimulato
Tasharruf: Journal Economics and Business of Islam Vol 6, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v6i2.1629

Abstract

The purpose of this research is to savvy the development of distribution productive financing for women’s economic enterprises at Bank BTPN Syariah and to describe the form of recovery conducted by Bank BTPN Syariah for women’s economic due to the impact of covid-19. This research is library research, using several sources that are considered relevant to the research theme. The research is qualitative describing the financing for women’s empowerment. Analysis technique in this research is descriptive qualitative by describing development financing at Bank BTPN Syariah during Covid-19, and describing patterns restoring women’s economic empowerment by bank BTPN Syariah. The results of this study indicate a decline in financing at Bank BTPN Syariah period March 2020 to August 2020. Murabahah transaction has decreased to 22.16 percent, musharakahhas decreased to 55.82 percent, and qard has decreased to 3.90 percent. The recovery strategy for women’s economic, conducted by Bank BTPN Syariah in the midst of covid-19 is to provide financing relief to SMEs customers, restructuring, good communication with customers, training for customers, and improving digital services. Bank BTPN Syariah customers affected by the pandemic, that is why efforts are made to fulfil customer needs, and bank performance returns to be better.
FACTORS THAT INFLUENCE THE INTEREST IN THE UTILIZATION OF SHARIA FINANCIAL TECHNOLOGY ON MILLENNIALS AND GENERATION Z Amir Hamzah; Nurfania Sukma
Tasharruf: Journal Economics and Business of Islam Vol 6, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v6i2.1614

Abstract

The purpose of this research is to analyze the effect of perceived ease of use, perceived benefits, perceived risk, trust, and religiosity on behavioral intentions of Islamic financial technology in the millennial generation and Generation Z in Kuningan Regency. The type of research used is quantitative research, with descriptive and verification research methods. The primary data in this study were obtained by using a questionnaire distributed through Google Form. The population in this study is the millennial generation and Generation Z in Kuningan Regency with a research sample of 125 respondents. The sampling method used in this research is non-probability sampling with a purposive sampling technique. The data analysis technique used is Structural Equation SEM-PLS. Results of this study indicate that the variables of perceived ease of use, perceived benefits, perceived risk, trust, and religiosity have a significant positive effect on behavioral intentions of Islamic financial technology in the millennial generation and generations in Kuningan Regency.
CORPORATE GOVERNANCE AND MAQASID SHARIA PERFORMANCE ON ISLAMIC BANKS IN INDONESIA Sulistiawati Sulistiawati; Annisa Fithria
Tasharruf: Journal Economics and Business of Islam Vol 6, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v6i2.1633

Abstract

The implementation of good corporate governance (GCG) can be seen in the relationship between the main elements of GCG mechanisms implemented by the board of commissioners (BOC) as supervisors, the board of directors (BOD) as managers, and the sharia supervisory board (SSB) as directors, consultants, and supervisors on sharia compliance of Islamic banks. This study aims to analyze the effect of corporate governance on the maqasid sharia-based performance of Islamic banks (Bank Umum Syariah–BUS) in Indonesia from 2016 to 2019. Corporate governance is proxied by the number of BOC, BOD, the audit committee, and SSB. Based on the purposive sampling criteria, 8 BUS are used as samples in this study, with a total of 32 observations. The type of data used is secondary data in the form of annual reports and GCG reports. The data analysis technique used is multiple regression analysis. The results show that BOC has a negative effect on the maqasid sharia-based performance of Islamic banks. In contrast, BOD positively impacts the maqasid sharia-based performance of Islamic banks. On the other hand, the audit committee and SSB do not affect the maqasid sharia-based performance of Islamic banks.
THE DYNAMICS AND POTENCY OF HALAL TOURISM IN SITUBONDO AS A CITY OF SANTRI Faizul Abrori; Mustaqim Makki
Tasharruf: Journal Economics and Business of Islam Vol 6, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v6i2.1636

Abstract

Situbondo is the City of Santri. The three typologies of Situbondo tourism are nature tourism, cultural tourism, religious tourism and sports tourism. There are 83 destinations but none of them possess a brand as halal tourism. The purpose of this study is to analyze the dynamics and potential of halal tourism in Situbondo. This research is qualitative descriptive with a data analysis model using the Spradley model, where after determining the standards of halal tourism, it is followed by an inventory of the potential for halal tourism in Situbondo. The results of this study indicate that in Situbondo, although the tourism object does not have a brand as halal tourism, its implementation is in line with the sharia character, namely (1). Uluhiyyah, (2). Insaniyyah, (3). Akhlaqiyyah, and (4). Washatiyyah. There are three potentials for branding halal tourism in Situbondo: (1). Geographically, Situbondo is a north coast road, (2). The Even Kirap Culture of Ancak Agung and a spectacular Islamic New Year celebration, (3). The object of the Islamic Boarding School as an education center is both in quality and quantity.
THE INNOVATION OF ISLAMIC INSURANCE AS A SOLUTION FOR PENETRATION Nurul Azizah Azzochrah; Rosdalina Bukido; Sofyan Octavian Tubagus
Tasharruf: Journal Economics and Business of Islam Vol 6, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v6i2.1725

Abstract

The penetration of Islamic insurance in Indonesia is not directly proportional to the number of Muslim population in Indonesia. This article aims to look at the causes of the low penetration of Islamic insurance in Indonesia. Literature study is the method used in this article by conducting content analysis, the data used in the form of writing, graphics, pictures and figures sourced from the OJK and the ASEAN Economic survey. The result of this research is the lack of innovation in Islamic insurance which caused the low penetration of Islamic insurance. Islamic insurance penetration can increase with innovation. Social insurance is a manifestation of the mandate of 1945 Constitution of Indonesia Republic which obliges to provide basic protection for all Indonesian people. With the large number of Muslim population in Indonesia, the opportunities for Sharia social insurance innovation can be taken into consideration. Sharia social insurance can be a solution to increasing the penetration of Sharia social insurance in Indonesia. In terms of regulation, the growth of Sharia social insurance can develop. This article has major implications for practitioners, policy makers and regulators.
THE PERCEPTION OF CONSUMERS ON MUSLIM FASHION BRAND IN INDONESIA Bintang Ika Purwanti; Hendri Hermawan Adinugraha
Tasharruf: Journal Economics and Business of Islam Vol 6, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v6i2.1673

Abstract

Muslim clothing is the way Muslim women wear their clothes according to Islamic law, namely clothing that is not tight (shaping the curves of the body) and the user of the clothing is a Muslim woman who is obedient to the teachings of her religion in dress procedures. Currently, Muslim clothing is a concern among the clothing industry in Indonesia. In its development, the brand of Muslim clothing has also become one of the consumer's assessments or perceptions of a product. A good brand is one of the assets for the company because the brand has an impact on every consumer perception, where the public will have a positive impression of the product and the company. The purpose of this study is to describe how Indonesian consumers perceive Muslim fashion brands. The type of research used is qualitative research using library research methods. Sources of data used in this study are primary and secondary data sources. While the data analysis technique used in this research is content analysis. The results of this study indicate that brands are extrinsic stimuli that affect consumer perceptions of a product.

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