Articles
<![CDATA[Religiositas sebagai Moderating Variabel Perilaku Konsumsi Rumah Tangga Muslim ]]>
<![CDATA[Bawono, Anton]]>
<![CDATA[ ISLAMICA: Jurnal Studi Keislaman Vol 8, No 2 (2014): Islamica ]]>
Publisher : <![CDATA[Program Pascasarjana UIN Sunan Ampel Surabaya ]]>
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DOI: 10.15642/islamica.2014.8.2.503-524
<![CDATA[The main objective of this study is to analyze the influence of the religiosity variable as a moderating variable towards the influence of the future income and wealth expectation on stimulating the consumption behavior, and future prospects. The research design used in this study is a survey method. This study is based on the primary data obtained from the respondents in the field observation. The analysis tool is quantitative. In order to answer the research objectives and hypotheses, the study uses multiple regression analysis. To view the suitability of the multiple regression equation model used, a statistical test and classical assumption test are conducted. The analysis indicates that the religiosity variable influences the variable determining consumption. The variable of expected income, an expectation of liquid wealth one period ahead, affects current consumption, which is driven by religiosity. There is a new aspect of this study that is not found in the previous studies, i.e. that the religiosity variable becomes the moderating variable of the variables of income and liquid wealth expectations of future periods, which influence the current consumption behavior. It means that of the variables investigated and concluded so far as those determining consumptions behavior, there is another variable, namely religiosity, which has a more dominant effect in determining consumption behavior.]]>
<![CDATA[ANALYSIS OF INDONESIA’S ISLAMIC BANKING BANKRUPTCY PREDICTION FOR PERIOD 2014-2016 ]]>
<![CDATA[Bawono, Anton]]>;
<![CDATA[Setyaningrum, Aisyah]]>
<![CDATA[ IQTISHADIA Vol 11, No 1 (2018): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v11i1.3141
<![CDATA[The background of this study was based on market share of Isalmic banks in which it is only 5% of National Banks in Indonesia. This indicates ineffective Islamic banks performance. Therefore it will lead to the bankruptcy. Assessing bankruptcy required deep assessment of company performance through its financial ratios; these are Working Capital to Total Assets (WCTA), Earnings Before Interest and Tax to Total Assets (EBITTA), Retained Earnings to Total Assets (RETA) and Book Value of Equity to Book Value of Total Debt (BVEBVTD). The purpose of this study was intended to explain about the influence of those financial ratios on bankruptcy prediction of banks based on Altman Z-Score Model.The data was conducted through indirect observation from quarterly financial report of banks for period 2014-2016. The samples were 11 Sharia banks from 13 Sharia banks listed on Indonesia Financial Services Authority (OJK-RI) by January 2017. The process of analysis was started by conducting Stationery analysis then Regression analysis, the test of assumptions and Multiple Discriminant Analysis (MDA).The result suggests that WCTA, EBITTA and BVEBVTD variable show positive and significance effect on bankruptcy prediction, while the RETA variable shows negative and insignificance. Based on this study, there are only two variables, WCTA and BVEBVTD, that couldpredict bankruptcy with 98.2% accuracy.]]>
<![CDATA[Creative Economic Development of Pesantren ]]>
<![CDATA[Bawono, Anton]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 3, No 1 (2018) ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, Institut Agama Islam Negeri (IAIN) Surakarta ]]>
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DOI: 10.22515/shirkah.v3i1.180
<![CDATA[This article mostly focuses on the values performed by pesantren (Islamic boarding school) in taking influence of creative economics within the community. Three factors observed in this paper mainly but may relate to other variables are embedded traditional values, technological resources and the role of ustadz and kyai engaged in the creative economic process. Taking several pesantren in Java and Yogyakarta as research sites, while conducting multiple regression as technique of analysis, this research shows that aforementioned variables have a positive and significant influence on developing creative economic of pesantren. Creative economic of pesantren largely invites more elaborative research, while this research can be a preliminary contribution to the field of new economic challenges within Islamic society.Keywords: pesantren, creative economics, kyai, ustadz]]>
<![CDATA[Analisis Pemahaman, Produk, dan Tingkat Religiusitas terhadap Keputusan Mahasiswa IAIN Menjadi Nasabah Bank Syariah Cabang Salatiga ]]>
<![CDATA[Bawono, Anton]]>;
<![CDATA[Oktaviani, Milatunnikmah Finisia Rahajeng]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v7i1.29-53
<![CDATA[The purpose of this research is to analyze the understanding, product, andlevel of religiosity towards students’ decision of being costumer of Islamicbank. This is a quantitative research. The object of this research is studentsof State Institute for Islamic Studies of Salatiga. The writer took 100 studentsas sample of this research. The method used to collect the data is questionnaire. The data is analyzed using test of reliability, validity, statistic and classical assumption. The research findings showed that the product of sharia bank has significant and positive influence. It occurred because the product offered by sharia bank is innovative. The variable of understanding about sharia bank and level of religiosity towards students’ decision of being costume of sharia bank has positive influence but insignificant.Tujuan dari penelitian ini adalah menganalisa pemahaman, produk, dan tingkatreligiusitas terhadap putusan mahasiswa menjadi nasabah bank syariah.Penelitian ini menggunakan metode kuantitatif. Objek penelitian yang digunakanadalah mahasiswa IAIN Salatiga dengan jumlah sampel sebanyak 100 mahasiswa. Sedangkan untuk tekhnik pengumpulan data dilakukan dengan menggunakan metode kuesioner, studi pustaka. Data diolah menggunakanuji reliabilitas, validitas, statistik dan asumsi klasik Dari hasil pengolahandata tersebut menunjukan bahwa yang berpengaruh positif dan signifikan hanya variabel produk saja, karena produk-produk yang ditawarkan bank syariah sangat inovatif sehingga membuat mahasiswa tertarik untuk membuka rekening pada BSM cab. Salatiga. Sedangkan variabel pemahaman bank syariah dan tingkat religiusitas mahasiswa berpengaruh positif dan tidak signifikan terhadap keputusan mahasiswa IAIN Salatiga menjadi nasabah pada BSM cab. Salatiga.]]>
<![CDATA[Kontribusi Religiusitas dalam Perilaku Pengambilan Keputusan Konsumsi ]]>
<![CDATA[Bawono, Anton]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v2i1.115-133
<![CDATA[Consequential is one aspect of religiousity, which one is away from any form imposed by Allah s.w.t. Consumption is forbidden by Allah swt is the consumption of haram goods. In this study will look at contributions halalness a product of consumption decisions. This study used four independent variables of quality, halal, price and side effects. The sampling method used was non-probability sampling method using the method of sampling convenience. Analysis of data has using multiple linear regression analysis. The findings of the four variables showed a positive and significant effect, the variable side effects are most dominant variable. While halal variable have the second greatest influence in determining consumption decisions. This suggests that religiosity variable is a variable that determines the capture market share, in the marketing strategy]]>
<![CDATA[Analisis Pemahaman, Produk, dan Tingkat Religiusitas terhadap Keputusan Mahasiswa IAIN Menjadi Nasabah Bank Syariah Cabang Salatiga ]]>
<![CDATA[Bawono, Anton]]>;
<![CDATA[Oktaviani, Milatunnikmah Finisia Rahajeng]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v7i1.29-53
<![CDATA[The purpose of this research is to analyze the understanding, product, and level of religiosity towards students’ decision of being costumer of Islamic bank. This is a quantitative research. The object of this research is students of State Institute for Islamic Studies of Salatiga. The writer took 100 students as sample of this research. The method used to collect the data is questionnaire. The data is analyzed using test of reliability, validity, statistic and classical assumption. The research findings showed that the product of sharia bank has significant and positive influence. It occurred because the product offered by sharia bank is innovative. The variable of understanding about sharia bank and level of religiosity towards students’ decision of being costume of sharia bank has positive influence but insignificant]]>
<![CDATA[Perubahan Kesadaran Berzakat, atas Pengaruh Video Iklan Layanan Masyarakat dan Dampaknya pada Masyarakat Jateng dan DIY ]]>
<![CDATA[Bawono, Anton]]>;
<![CDATA[Erlangga, Rifqi Aulia]]>
<![CDATA[ INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 13, No 1 (2019) ]]>
Publisher : <![CDATA[State Institute of Islamic Studies (IAIN) Salatiga ]]>
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DOI: 10.18326/infsl3.v13i1.149-176
<![CDATA[This study aims to find out how much influence public service video ads have on zakat awareness. A total of 200 Muslim respondents from Central Java and Yogyakarta. The research method used is linear regression, which is processed with the help of SPSS 16.00 statistics. In addition to the study, a response was also made to the video on public service advertisements and a description of the awareness of the people of Central Java and Yogyakarta. From the findings, it was found that 19.2% of zakat awareness increased after watching a public service advertisement video. Positive findings are expected to be the light of the people of Central Java and Yogyakarta to immediately pay zakat. The amil zakat institution is also expected to be helped in terms of increasing the zakat conscious movement through mass media facilities]]>
<![CDATA[ANALYSIS OF INDONESIA’S ISLAMIC BANKING BANKRUPTCY PREDICTION FOR PERIOD 2014-2016 ]]>
<![CDATA[Bawono, Anton]]>;
<![CDATA[Setyaningrum, Aisyah]]>
<![CDATA[ IQTISHADIA Vol 11, No 1 (2018): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v11i1.3141
<![CDATA[The background of this study was based on market share of Isalmic banks in which it is only 5% of National Banks in Indonesia. This indicates ineffective Islamic banks performance. Therefore it will lead to the bankruptcy. Assessing bankruptcy required deep assessment of company performance through its financial ratios; these are Working Capital to Total Assets (WCTA), Earnings Before Interest and Tax to Total Assets (EBITTA), Retained Earnings to Total Assets (RETA) and Book Value of Equity to Book Value of Total Debt (BVEBVTD). The purpose of this study was intended to explain about the influence of those financial ratios on bankruptcy prediction of banks based on Altman Z-Score Model.The data was conducted through indirect observation from quarterly financial report of banks for period 2014-2016. The samples were 11 Sharia banks from 13 Sharia banks listed on Indonesia Financial Services Authority (OJK-RI) by January 2017. The process of analysis was started by conducting Stationery analysis then Regression analysis, the test of assumptions and Multiple Discriminant Analysis (MDA).The result suggests that WCTA, EBITTA and BVEBVTD variable show positive and significance effect on bankruptcy prediction, while the RETA variable shows negative and insignificance. Based on this study, there are only two variables, WCTA and BVEBVTD, that couldpredict bankruptcy with 98.2% accuracy.]]>
<![CDATA[Analysis of The Influence of Islamic Income Ratio, Total Comprehensive Income, and NPF on Company Value with Profitability as Moderating Variables in Sharia Commercial Banks in Indonesia 2015-2019 ]]>
<![CDATA[Saidah, Alfi]]>;
<![CDATA[Bawono, Anton]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 5, No 1 (2021): Malia: Journal of Islamic Banking and Finance ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v5i1.9825
<![CDATA[Economic Value Added is an approach to assessing company performance, with the aim that the company's ability to create added value can influence investors who will invest in the company. The concept used in this approach is to pay attention to the funders in terms of expectations, interests, and degrees of justice as measured by weighted measures and the existing initial capital structure. The population in this study are Islamic Commercial Banks registered with the Financial Services Authority, totaling 11 Islamic Banks. In selecting the sample the method used is purposive sampling with the criteria that the author has set. The collection method in this study was carried out by looking at the annual financial statements of each Islamic bank registered with the Financial Services Authority. Based on the results of the moderation regression test, the results showed that IIR, TCI, NPF had no significant positive effect on EVA. ROA is not able to moderate IIR against EVA. ROA is not able to moderate TCI against EVA. ROA is not able to moderate NPF against EVA.]]>
<![CDATA[Analysis of The Influence of Islamic Income Ratio, Total Comprehensive Income, and NPF on Company Value with Profitability as Moderating Variables in Sharia Commercial Banks in Indonesia 2015-2019 ]]>
<![CDATA[Saidah, Alfi]]>;
<![CDATA[Bawono, Anton]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 5, No 1 (2021): Malia: Journal of Islamic Banking and Finance ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v5i1.9825
<![CDATA[Economic Value Added is an approach to assessing company performance, with the aim that the company's ability to create added value can influence investors who will invest in the company. The concept used in this approach is to pay attention to the funders in terms of expectations, interests, and degrees of justice as measured by weighted measures and the existing initial capital structure. The population in this study are Islamic Commercial Banks registered with the Financial Services Authority, totaling 11 Islamic Banks. In selecting the sample the method used is purposive sampling with the criteria that the author has set. The collection method in this study was carried out by looking at the annual financial statements of each Islamic bank registered with the Financial Services Authority. Based on the results of the moderation regression test, the results showed that IIR, TCI, NPF had no significant positive effect on EVA. ROA is not able to moderate IIR against EVA. ROA is not able to moderate TCI against EVA. ROA is not able to moderate NPF against EVA.]]>
