Garuda - Garba Rujukan Digital

Minat Beli Online Generasi Milenial: Pengaruh Kepercayaan dan Kualitas Layanan Hana, Kharis Fadlullah
BISNIS Vol 7, No 2 (2019): Bisnis: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v7i2.6094

Buying and selling online is a transaction that is in high demand by the current millennial generation. The ease, efficiency, variety of choices and various promotions offered are the underlying factors for millennials to make online purchases. This can also be seen from the shift in the style of buying the younger generation from traditional markets to online stores that are increasing. Despite the many advantages and advantages offered, there are some consumers who are less satisfied with their purchases online. That is caused by poor service quality because sometimes the response from the seller to the buyer is quite long. Some sellers who give goods that are not in accordance with the offer also cause public confidence to decline. Based on these phenomena, this study aims to determine the effect of service quality and trust in millennial generation consumers' buying decisions and decisions. This research method uses quantitative methods with a Post positivism approach with Structural Equation Model analysis techniques using the WarpPls 6.0 analysis tool. Service quality and trust as exogenous variables, buying interest and online purchasing decisions as endogenous variables. The object of this research is millennial consumers in the cities of Kudus, Jepara and Pati who purchase goods online with a total sample of 375 respondents. The results showed that trust through interest influenced the online buying decision of 0.293. Trust and interest have a total influence of 0.402. Quality of service through interest affects the decision of 0.143. Service quality and interest have a total influence on online buying decisions of 0.363. This means that trust has a greater influence on buying decisions on digital generation compared to service quality.

EFEKTIFITAS LITERASI MELALUI GAME NABUNG SAHAM GO TERHADAP KEPUTUSAN MEMBELI SAHAM SYARIAH Hana, Kharis Fadlullah
EQUILIBRIUM Vol 7, No 2 (2019): EQULIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v7i2.5816

ThisÂ research aims to determineÂ an influence of understanding of students of IAIN Kudus through the game of saving stock go to the decision to buy Islamic shares. The research approach uses a quantitative approach with the path analysis method through the warpPLS 6.0 application. Literacy as an independent variable is a buying decision as an dependent variable and game media as an intervening variable. The subjects in this study were 100 students of IAIN Kudus using purposive random sampling technique. The results showed that there is an influence of literacy through games on purchasing decisions with a significance of 0.003. The indirect effect is 0.192 and the total effect is 0.569. This means that literacy through the savings game go stock has a positive and significant effect on the decision to buy Islamic stocks.

Persepsi Masyarakat tentang Haramnya Investasi di Pasar Modal Syariah Hidayah, Noor Laili; Aslicha, Ghina; Hana, Kharis Fadlullah
TAWAZUN : Journal of Sharia Economic Law Vol 3, No 1 (2020): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Public knowledge must also be comprehensive with the times. People are already familiar with the word "investment".Â However, everyone's perception of investing in the Islamic capital market is different.Â The negative public perception about the illicit investment in the Islamic capital market should not exist.Â Many people think about halal or illicit investment that caused a lot of debate.Â Halal perception comes from people who have been well educated and deeply educated.Â Unlawful perception arises from the lack of public education about all aspects that exist in the Islamic capital market.Â The purpose of this study is to prove that negative perceptions that mention investment is an unlawful activity is wrong and changing that notion into investment is a halal activity.Â The results of this study indicate that some people who have negative perceptions come from people who have not been educated about investing in the Islamic capital market.Â So, public education about investment in the Islamic capital market on all aspects needs to be improved, not only at the academic level but other aspects so that debate in the community about halal or illicit investment in the Islamic capital market need not be there.

Faktor-Faktor Yang Mempengaruhi Keputusan Non Muslim Menjadi Anggota Pada KSPPS Fastabiq Khoiru Ummah Pati Hana, Kharis Fadlullah
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : MALIA: Journal of Islamic Banking and Finance

The purpose of this study was to find out what factors influence the decision of non-Muslims to become members of the Savings and Loans Cooperative (KSPPS) Fastabiq Khoiru Ummah Pati. Cooperatives are joint business entities that move to improve the welfare of their members based on sharia principles. The sharia cooperative is a new instrument in financial institutions in Indonesia, but its development has experienced a very significant increase. From the data of the Indonesian Central Bureau of Statistics, it was stated that there were 498 business entities in the form of sharia cooperatives spread across various provinces throughout Indonesia. This is influenced by the high interest of the community to become members of both Muslim and non-Muslim circles. The situation is interesting to note that cooperatives based on Islamic sharia principles are also in demand among non-Muslims. Innovative services, promotions and products that are in accordance with the daily needs of the community are the things that most influence their decisions.

OBLIGASI DAERAH YANG "TAK KUNJUNG" TERBIT SEBAGAI SALAH SATU FAKTOR PERKEMBANGAN DAERAH Triyansyah, Taymi; Aini, Nor; Hana, Kharis Fadlullah
Mabsya: Jurnal Manajemen Bisnis Syariah Vol 2 No 1 (2020): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v2i1.3863

English: Law No. 33 of 2004 is a source of legal basis used as a guideline in the process of issuing regional bonds. This study discusses issues related to the issuance of regional bonds in Indonesia, particularly in the provinces of Central Java, West Sumatra, and West Kalimantan. In connection with the issuance of regional bonds, to date there are now regions that issue regional bonds including of Central Java, West Sumatra, and West Kalimantan. The purpose of this study is to find out more about the problems that form the basis of the issue of bonds in the region. Researchers use descriptive analysis method that can indicate the level of income and finance of the provinces of Central Java, West Sumatra, West Kalimantan where the region has met the requirements to issue regional bonds. While the SWOT analysis conducted in the area, each region still has many obstacles in the process of issuing regional bonds, one of which is the problem in human resources (SDM). Keywords: Regional Bonds, Regional Development, SWOT. Indonesia: Undang-undang No. 33 tahun 2004 merupakan sumber dasar hukum yang dijadikan pedoman dalam proses penerbitan obligasi daerah. Penelitian ini membahas permasalahan terkait penerbitan obligasi daerah di Indonesia, khususnya pada provinsi Jawa Tengah, Sumatra Barat, dan Kalimantan Barat. Berkaitan dengan penerbitan obligasi daerah, sampai saat ini belum ada daerah yang menerbitkan obligasi daerah termasuk Jawa Tengah, Sumatra Barat, dan Kalimantan Barat. Tujuan dari penelitian ini yaitu untuk mengetahui lebih lanjut permasalahan yang menjadi dasar tidak terbitnya obligasi didaerah tersebut. Peneliti menggunakan metode analisis diskriptif yang dapat menunjukan tingkat pendapatan dan keuangan provinsi Jawa Tengah, Sumatra Barat, Kalimantan Barat dimana daerah tersebut sudah memenuhi syarat untuk melakukan penerbitan obligasi daerah. Sedangkan analisis SWOT yang dilakukan pada daerah tersebut, masing-masing daerah masih memiliki banyak kendala dalam proses penerbitan obligasi daerah salah satunya yaitu permasalahan pada sumber daya manusianya (SDM). Kata Kunci: Obligasi Daerah, Perkembangan Daerah, SWOT.

Ada Apa dengan Dewan Pengawas Syariah di Koperasi Simpan Pinjam dan Pembiayaan Syariah? Absor, Choirul; Hana, Kharis Fadlullah; Nur, Fatikha Rizqya
MALIA: Journal of Islamic Banking and Finance Vol 3, No 2 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i2.8413

This study aims to determine the role of the Sharia Supervisory Board in supervising Sharia Savings and Loan Cooperatives (KSPPS) so that operations do not come out of sharia provisions. Sharia Supervisory Board includes legal assistants who have the duty to ensure and conduct supervision so that Sharia Financial Institutions are in sharia provisions. Savings and Loan Cooperatives and Sharia Financing are financial institutions that are socially based and in their activities are based on moral principles by considering haram and lawfulness of a business that is run in accordance with Islamic regulations. The method used to conduct this research is qualitative. The data source uses secondary data and primary data by collecting data in the form of interviews and documents. Based on the results of observations on KSPPS Berkah Abadi Gemilang that Supervision conducted by DPS there is still an obstacle that causes less optimal supervision, namely members of sharia supervisors who do not understand muamalah fiqh, mastery of economics and DPS rarely make office visits. In addition, one member of the DPS also does not yet have a certificate of proof of passing the exam from DSN-MUI or other standard certificates, in this case at least the results of the certificate provide a guarantee that the Sharia Supervisory Board has passed the feasibility test to become the Sharia Supervisory Board. KSPPS Berkah Abadi Gemilang in practice also still has errors, the Ba'I Bi'saman Ajil contract which is supposed to be a sale and purchase agreement but made as a financing and error in determining the margin based on the presentation of the money lent.

Ada Apa dengan Dewan Pengawas Syariah di Koperasi Simpan Pinjam dan Pembiayaan Syariah? Absor, Choirul; Hana, Kharis Fadlullah; Nur, Fatikha Rizqya
MALIA: Journal of Islamic Banking and Finance Vol 3, No 2 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i2.8413

This study aims to determine the role of the Sharia Supervisory Board in supervising Sharia Savings and Loan Cooperatives (KSPPS) so that operations do not come out of sharia provisions. Sharia Supervisory Board includes legal assistants who have the duty to ensure and conduct supervision so that Sharia Financial Institutions are in sharia provisions. Savings and Loan Cooperatives and Sharia Financing are financial institutions that are socially based and in their activities are based on moral principles by considering haram and lawfulness of a business that is run in accordance with Islamic regulations. The method used to conduct this research is qualitative. The data source uses secondary data and primary data by collecting data in the form of interviews and documents. Based on the results of observations on KSPPS Berkah Abadi Gemilang that Supervision conducted by DPS there is still an obstacle that causes less optimal supervision, namely members of sharia supervisors who do not understand muamalah fiqh, mastery of economics and DPS rarely make office visits. In addition, one member of the DPS also does not yet have a certificate of proof of passing the exam from DSN-MUI or other standard certificates, in this case at least the results of the certificate provide a guarantee that the Sharia Supervisory Board has passed the feasibility test to become the Sharia Supervisory Board. KSPPS Berkah Abadi Gemilang in practice also still has errors, the Ba'I Bi'saman Ajil contract which is supposed to be a sale and purchase agreement but made as a financing and error in determining the margin based on the presentation of the money lent.

Strategi Pengembangan Desa Digital Untuk Meningkatkan Produktivitas UMKM Supriyanto, Agus; Hana, Kharis Fadlullah
BISNIS Vol 8, No 2 (2020): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v8i2.8640

The development of online business has increased very rapidly in 2019. Many people who prefer to buy goods online rather than directly. This is a result of the development of increasingly sophisticated technology with the many features of buying and selling online applications. The presence of online stores that make lifestyle changes in society. Ease and efficiency are the main factors in the people's preference for online transactions. Based on that, the purpose of this study is to analyze the obstacles and constraints of MSMEs to join the online store. After getting the results of the analysis then formulate a development strategy. The research method used is descriptive qualitative research object that is the village of Padurenan. The village was chosen because the MSMEs that have been established are very large for the size of one village of 92 units. The results showed that the padurenan village had made a digital village in 2017. The village was able to support from various parties, but when the members were decreasing and there were only 2 MSME members left. The strategy will be developed also by using the principles of Islamic business ethics. Online sales are based on transparency, honesty and fairness. This encourages the realization of sharia maqasid in doing business in the MSME sector.

Obligasi Daerah yang "Tak Kunjung" Terbit sebagai Salah Satu Faktor Perkembangan Daerah Triyansyah, Taymi; Aini, Nor; Hana, Kharis Fadlullah
Mabsya: Jurnal Manajemen Bisnis Syariah Vol 2 No 1 (2020): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v2i1.3863

English: Law No. 33 of 2004 is a source of legal basis used as a guideline in the process of issuing regional bonds. This study discusses issues related to the issuance of regional bonds in Indonesia, particularly in the provinces of Central Java, West Sumatra, and West Kalimantan. In connection with the issuance of regional bonds, to date there are now regions that issue regional bonds including of Central Java, West Sumatra, and West Kalimantan. The purpose of this study is to find out more about the problems that form the basis of the issue of bonds in the region. Researchers use descriptive analysis method that can indicate the level of income and finance of the provinces of Central Java, West Sumatra, West Kalimantan where the region has met the requirements to issue regional bonds. While the SWOT analysis conducted in the area, each region still has many obstacles in the process of issuing regional bonds, one of which is the problem in human resources (SDM). Keywords: Regional Bonds, Regional Development, SWOT. Indonesia: Undang-undang No. 33 tahun 2004 merupakan sumber dasar hukum yang dijadikan pedoman dalam proses penerbitan obligasi daerah. Penelitian ini membahas permasalahan terkait penerbitan obligasi daerah di Indonesia, khususnya pada provinsi Jawa Tengah, Sumatra Barat, dan Kalimantan Barat. Berkaitan dengan penerbitan obligasi daerah, sampai saat ini belum ada daerah yang menerbitkan obligasi daerah termasuk Jawa Tengah, Sumatra Barat, dan Kalimantan Barat. Tujuan dari penelitian ini yaitu untuk mengetahui lebih lanjut permasalahan yang menjadi dasar tidak terbitnya obligasi didaerah tersebut. Peneliti menggunakan metode analisis diskriptif yang dapat menunjukan tingkat pendapatan dan keuangan provinsi Jawa Tengah, Sumatra Barat, Kalimantan Barat dimana daerah tersebut sudah memenuhi syarat untuk melakukan penerbitan obligasi daerah. Sedangkan analisis SWOT yang dilakukan pada daerah tersebut, masing-masing daerah masih memiliki banyak kendala dalam proses penerbitan obligasi daerah salah satunya yaitu permasalahan pada sumber daya manusianya (SDM). Kata Kunci: Obligasi Daerah, Perkembangan Daerah, SWOT.

Elaborasi Analisis Pembiayaan Dalam Meminimalisir Non Performing Finance (NPF) Pada Lembaga Keuangan Syariah Hana, Kharis Fadlullah; Ridwan, Ridwan; Chodlir, Enggar Arrosyad
MALIA: Journal of Islamic Banking and Finance Vol 5, No 2 (2021): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v5i2.12548

Kualitas pembiayaan merupakan faktor penting yang menentukan tingkat kesehatan lembaga keuangan syariah. Meskipun demikian, lembaga sering menganalisis pembiayaan secara kurang tepat. Tujuan penelitian ini menyajikan model analisis pembiayaan yang tepat dalam memberikan rekomendasi pembiayaan. Hal itu dapat mencegah tingginya Non Performing Finance (NPF). Metode penelitian yang dilakukan adalah Research and Development berdasarkan hasil riset dari beberapa lembaga keuangan syariah. Peneliti mengambil sampel dari Bank Syariah, BPR Syariah dan Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS). Hasil penelitian menunjukkan bahwa Bank syariah dan BPR Syariah telah menentukan formula analisis yang cukup lengkap, namun dari KSPPS kurang memiliki formula yang lengkap. Hasilnya, peneliti menemukan aspek baru yang semula pada umumnya adalah 5C, yakni dengan menggunakan tambahan menjadi 8C. Aspek tersebut adalah character, collateral, capacity, capital, condition of economy, constrain, cash flow dan closeness. Kontribusi penelitian ini memberikan aspek baru bagi lembaga keuangan syariah agar dapat memberikan keputusan pembiayaan lebih akurat.

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