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Analisis Rasch Pada Atribut Perbankan Syariah: Studi pada Generasi Milenial Anggiya Rossana; Egi Arvian Firmansyah
Jurnal Ilmiah Ekonomi Islam Vol 5, No 3 (2019): JIEI Vol.05 No.03 2019
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (799.198 KB) | DOI: 10.29040/jiei.v5i3.530

Abstract

The presence of Islamic banking in Indonesia is one form of progress and development of the Islamic finance industry in Indonesia. However, for more than 20 years, Islamic banking has apparently not been able to grow optimally and experienced a slowdown in its growth. Islamic banks need to increase their market share and also need to identify which attributes are most considered by the potential customers, especially the millennials whose number is large. This study aims to find out which attributes are most considered in using Islamic banking services. This study uses primary data by distributing online questionnaires to 180 university students in Bandung, namely Unpad, ITB and UPI students. To analyze the data, Rasch analysis was used. The results of Rasch analysis show that cleanliness, friendliness, and Islamic principles turned out to be the most considered attributes in selecting Islamic banking in Indonesia. Given that these three attributes are the most considered, it is expected that Islamic banking strengthen these three aspects in order to increase the market of Islamic finance industry markets.
Risk Appetite and Investment Behavior: A Study on Indonesia Muslim Investors Egi Arvian Firmansyah; Nirmala Andanawari
ETIKONOMI Vol 19, No 2 (2020)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v19i2.16062

Abstract

It has been nine years since the Indonesia Stock Exchange established a Syariah Online Trading System (SOTS), but the number of investors using this system is still relatively small compared to the regular investor. Moreover, the number is much smaller than the potential number of sharia financial markets. This study aims to describe Muslim investors' behavior in Indonesia who use the regular stock account instead of the sharia account. We surveyed by using both offline and online questionnaires, whereby the investors ask to compose the imaginary stock portfolios consisting of stocks and their weights. Using a convenience sampling method, we succeeded in interviewing 85 respondents spread across Indonesia. This study shows that the risk appetite of Indonesian Muslim investors is risk-averse, and they consider sharia aspects in their investment decision. Nonetheless, the compliance to sharia varies among them. Hence, Indonesian Muslim investors cannot be seen and treat as a homogenous group.        JEL Classification: G12, G15, G33How to Cite:Firmansyah, E. A., & Andanawari, N. (2020). Risk Appetite and Investment Behavior: A Study on Indonesia Muslim Investors. Etikonomi: Jurnal Ekonomi, 19(2), 287-298. https://doi.org/10.15408/etk.v19i2.16062.
Struktur Modal Emiten Syariah di Bursa Efek Indonesia Rafa Shabira; Egi Arvian Firmansyah
El-Barka: Journal of Islamic Economics and Business Vol 3, No 2 (2020)
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v3i2.2148

Abstract

The purpose of this study is to examine the effect of profitability, liquidity, and asset growth variables on the capital structure, both simultaneously and partially. This study applies a quantitative approach with the population of companies listed in Indonesia Sharia Stock Index (ISSI). The selected sample is 213 companies consistently listed on the ISSI for three years (2016-2018), so there are 639 observations in total. The multiple linear regression analysis was used to test the hypothesis with a significance level of 5% in Stata 15 program. The results showed that simultaneously, profitability, liquidity, and asset growth variables significantly affect the capital structure of the ISSI companies. Partially, each of profitability as well as asset growth does not affect the capital structure. Meanwhile, partially, only liquidity variable has a significant effect on the capital structure of ISSI companies.Tujuan dari penelitian ini adalah untuk menguji pengaruh variabel profitabilitas, likuiditas, dan pertumbuhan aktiva terhadap struktur modal, baik secara simultan maupun secara parsial. Penelitian ini menggunakan pendekatan kuantitatif dengan populasi perusahaan yang terdaftar di Indeks Saham Syariah Indonesia (ISSI). Sampel yang dipilih adalah 213 emiten ISSI yang konsisten berada dalam periode pengamatan selama tiga tahun (2016-2018), sehingga total terdapat 639 observasi. Pengujian hipotesis menggunakan analisis regresi linier berganda dengan tingkat signifikansi 5% dalam program Stata 15. Hasil penelitian menunjukkan bahwa secara simultan, variabel profitabilitas, likuiditas, dan pertumbuhan aktiva berpengaruh signifikan terhadap struktur modal perusahaan yang terdaftar di ISSI. Namun, secara parsial, variabel profitabilitas dan pertumbuhan aktiva masing-masing tidak berpengaruh signifikan terhadap struktur modal perusahaan yang terdaftar di ISSI. Secara parsial, hanya variabel likuiditas yang berpengaruh signifikan terhadap struktur modal perusahaan yang terdaftar di ISSI.
Perilaku Konsumen Muslim Generasi-Z Dalam Pengadopsian Dompet Digital Nada Diva Rizki Rembulan; Egi Arvian Firmansyah
Valid: Jurnal Ilmiah Vol 17 No 2 (2020)
Publisher : Sekolah Tinggi Ilmu Ekonomi AMM

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

It has been two years since Indonesian consumers was introduced to a new payment system, named electronic wallet (E-wallet). In addition to its simplicity and are easy to use, E-wallets are also seemed to have many advantages with the addition of discounts and cashbacks that are offered. In this phenomenon of adopting new technology, it is obvious that there are many factors that affected it. The purpose of this study is to identify how the TAM (Technology Adoption Model) Theory and UTAUT (Unified Theory of Acceptance and Use of Tehnology), in addition to other related things, could influenced the consumers’s decision to use E-wallet. The PLS-SEM method and convenience sampling were used. 427 people, which consists of Gen-Z Muslims in all over Indonesia, participated in this study. The results showed that PEOU (Perceived Ease of Use), PU (Perceived Usefulness), FC (Facility Condition), TRST (Trust), SI (Social Influence) dan LC (Lifestyle Compatibility) significantly influenced E-wallet usage. Meanwhile, SCR (Security) influenced usage through TRST (Trust).
Kredit Pemilikan Rumah Syariah Tanpa Bank: Studi di Jawa Barat Egi Arvian Firmansyah; Deru R Indika
Jurnal Manajemen Teori dan Terapan | Journal of Theory and Applied Management Vol. 10 No. 3 (2017)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (255.688 KB) | DOI: 10.20473/jmtt.v10i3.6541

Abstract

KPR atau kredit pemilikan rumah dianggap sebagai salah satu solusi yang tepat untuk dapat memiliki rumah di era yang semakin sulit ini. KPR dapat dilakukan baik melalui bank konvensional, bank syariah atau pun tanpa melalui bank. Menurut pengamatan penulis, penelitian mengenai praktik KPR syariah tanpa bank masih relatif sedikit sehingga penelitian ini diharapkan dapat menambah literatur mengenai KPR syariah (Islamic Home Financing) khususnya di negara berkembang berpenduduk mayoritas Muslim. Hasil penelitian ini diharapkan dapat menjadi saran dan masukan bagi para pebisnis yang bergerak dalam bidang perumahan terutama yang mementingkan aspek kepatuhan pada syariah, para perbankan dan masyarakat pada umumnya.
Kualitas Pelayanan pada Perusahaan Transportasi: Realisasi VS Ekspektasi Yogi Adhitya Pratama; Egi Arvian Firmansyah
Jurnal Manajemen Teori dan Terapan | Journal of Theory and Applied Management Vol. 12 No. 1 (2019)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jmtt.v12i1.12196

Abstract

This study aims to compare the performance and service expectations from an otobus (PO) company in the city of Bandung. The company is PO Grand Star Holiday Transport. The research is using five dimensions, namely the dimensions of reliability, responsiveness, assurance, empathy and tangibility. The method used in this research is the descriptive method by providing an overview of the level of service quality and the expectations of consumers. The data was collected by the method of field studies conducted by distributing written questionnaires. Based on the results of the study, it is known that the company's service quality is in the good category but it still does not meet the expectations of consumers. In conclution, this reasearch shows that there are things that need to be improved, especially related to the dimensions of empathy and reliability.
Word of Mouth pada Merek Planet Ban Renaldi Akbar; Egi Arvian Firmansyah
JABE (Journal of Applied Business and Economic) Vol 5, No 4 (2019): JABE
Publisher : UNIVERSITAS INDRAPRASTA PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30998/jabe.v5i4.3231

Abstract

Sepeda motor merupakan kendaraan yang diminati oleh sebagian besar orang di Indonesia dalam menjalankan mobilitas sehari-hari baik itu untuk bekerja, berlibur, sekolah sampai aktifitas bisnis. Semua ini merupakan peluang yang dimanfaatkan oleh pengusaha-pengusaha ban untuk mengeluarkan produk-produk yang berkualitas dan bentuk dengan tujuan untuk menarik minat masyarakat sebagai konsumen. Penelitian ini dilakukan bertujuan untuk mengetahui tingkat word of mouth pada Planet Ban cabang Moh Toha Kota Bandung. Metode penelitian ini menggunakan teknik pengumpulan data penelitian deskriptif. Sampel yang diambil sebanyak 100 responden metode pengumpulan data menggunakan kuisioner. Hasil kuisioner kemudian diolah, dihitung dan hasilnya disajikan mengikuti garis kontinum untuk mengetahui keadaan atau tingkat word of mouth. Hasil penelitian menunjukan bahwa word of mouth secara keseluruhan dinilai cukup berjalan baik dengan rata-rata skor 67.12%. Hal ini menunjukan bahwa Planet Ban Cabang Moh Toha Kota Bandung mampu memberikan citra yang baik dimata konsumen.  
Aplikasi Teori Personal Selling: Kasus pada Bank Regional Meria Sri Primariyanti; Egi Arvian Firmansyah
Al Tijarah Vol 3, No 2 (2017)
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v3i2.1589

Abstract

This research is a descriptive research aiming at knowing the implementationof bjb SurePrize program at bank bjb (bank Jabar Banten) Cianjur branchwhich is seen from the framework of personal selling theory. In addition, thisresearch is also aimed at determining the growth rate (trend) of savings anddemand deposits at bank bjb in the period of enactment of bjb SurePrize program.The research methods used are interview and literature study. The resultsshowed that the implementation of personal selling in the bjbSurePrizeprogram at bank bjb Cianjur branch is executed by executive personal selling,inside personal selling and outside personal selling. Personal sellingprocess conducted uses 6 (six) stages, namely: prospecting, pre-approach,presentation and demonstration, overcoming objections, closing and followup. In addition, there is also a contribution from the bjb SurePrize program.on the growth of savings and demand deposits in the year 2016 of 0.16%.
Muslim Consumer Behavior and Purchase Rizkyka Choirunnisa; Egi Arvian Firmansyah
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 5, No 1 (2021): January-June 2021
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v5i1.4170

Abstract

This study aims to analyze the factors that influence the behavior of Muslim consumers in West Java in purchasing decisions of halal cosmetic products, which include factors of attitude, subjective norms, perceived behavioral control, religiosity, knowledge, and halal labeling. This study used descriptive and verification methods with a quantitative approach. The sample used in this study were 412 Muslim women with an age range of 15-64 years which were taken by purposive sampling technique. Data were collected through questionnaires and analyzed using the Partial Least Square-Structural Equation Model (PLS-SEM) method. The results of this research showed that attitude, subjective norm, religiosity, knowledge, and halal labeling have positive and significant impacts on purchasing decisions, while the perceptions of behavior control have no significant impacts on purchasing decisions. This finding showed that the purchase decision of halal cosmetic products of Muslim consumers can be influenced by several factors, and halal labeling has a greater influence. This study also reveals that some Muslim consumers do not know the halal label of a product. This research contributes to encouraging cosmetic companies that do not yet have halal certification to apply for halal certification and this finding is also a reference for the government to require halal certificates for cosmetic products. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi perilaku konsumen Muslim Jawa Barat dalam keputusan pembelian produk kosmetik halal, yang meliputi factor sikap, norma subjektif, persepsi kontrol perilaku, religiusitas, pengetahuan, dan labelisasi halal. Penelitian ini menggunakan metode deskriptif dan verifikatif yang dianalisis dengan pendekatan kuantitatif. Sampel yang digunakan dalam penelitian ini adalah sebanyak 412 perempuan Muslim berusia 15-64 tahun dan berdomisili di Jawa Barat yang diambil dengan teknik purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis dengan menggunakan metode Partial Least Square-Structural Equation Model (PLS-SEM). Hasil penelitian menunjukkan bahwa faktor-faktor seperti sikap, norma subjektif, religiusitas, pengetahuan, dan labelisasi halal memiliki pengaruh yang positif dan signifikan terhadap keputusan pembelian, sedangkan persepsi kontrol perilaku tidak memiliki pengaruh yang signifikan terhadap keputusan pembelian. Temuan ini menunjukkan bahwa keputusan pembelian produk kosmetik halal dari konsumen muslim dapat dipengaruhi oleh beberapa faktor, dimana labelisasi halal memiliki pengaruh yang lebih besar. Penelitian ini juga mengungkap bahwa sebagian konsumen muslim di Jawa Barat belum mengetahui label halal dari suatu produk. Penelitian ini berkontribusi dalam mendorong perusahaan kosmetik yang belum memiliki sertifikasi halal untuk mengajukan sertifikasi halal dan sebagai pertimbangan bagi pemerintah untuk mewajibkan produk yang beredar di Indonesia bersertifikat halal. 
Knowledge Level and Determinants Factors in Selecting to the Islamic Rural Banks Egi Arvian Firmansyah; Amelia Rizky Alamanda; Teguh Santoso
International Journal of Islamic Business and Economics (IJIBEC) Vol. 4 No. 1 (2020): IJIBEC VOL. 4 NO. 1 JUNE 2020
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v4i1.1883

Abstract

The aims of this research are fourfold. First, it aims to identify the source of knowledge of the respondents on Islamic rural banks. Second, this research aims to study the factors considered important by the respondents in selecting Islamic rural banks. Third, this research studies the level of knowledge and awareness of the respondents on the products or contracts of Islamic rural banks. Finally, this paper aims to compare the respondents’ knowledge and awareness based on gender, education level, and period of banking in Islamic rural banks. We disseminated questionnaire to 285 customers of Islamic rural banks in several cities in West Java, Indonesia. This research uses descriptive and quantitative methods using a t-test. We found that our respondents attained knowledge in Islamic rural banks in college, and the most substantial factor affecting them to choose Islamic rural banking is not sharia compliance. In fact, it is the economic factor. Qardhul Hasan, wadiah, and mudharabah are the three most popular contracts among our research respondents. Finally, the level of knowledge and awareness about these three contracts are not significantly different between male and female, between different education levels, and between the banking periods of the customers.