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Faktor-faktor Yang Mempengaruhi Perkembangan Produk Pembiayaan Pada Bank Pembiayaan Rakyat Syariah di Jawa Timur Wenni, Atika Novirda; Canggih, Clarashinta
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.14503

Abstract

Penelitian ini bertujuan untuk menganalisis dampak DPK, NPF, FDR, ROA, Inflasi dan BI Rate terhadap jumlah pembiayaan yang disalurkan oleh BPR Syariah di Wilayah Jawa Timur di bawah Kantor Regional 4 OJK Jawa Timur pada 2014-2018. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan regresi berganda data panel. Hasil penelitian menunjukkan bahwa ROA, Inflasi dan BI Rate secara parsial tidak berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS, sedangkan DPK, NPF, dan FDR berpengaruh terhadap total pembiayaan oleh BPRS. Lebih lanjut, dana pihak ketiga, NPF, FDR, ROA, inflasi dan BI Rate secara simultan berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS. Prosentase Adjusted R Square sebesar 99,05%, 99,05% dari jumlah pembiayaan yang disalurkan oleh BPRS dipengaruhi oleh DPK, NPF, FDR, ROA, inflasi dan BI Rate sedangkan sisanya 0,95% dipengaruhi oleh variabel lain.
POTENSI DAN REALISASI DANA ZAKAT INDONESIA Canggih, Clarashinta; Fikriyah, Khusnul; Yasin, Ach.
al-Uqud : Journal of Islamic Economics Vol 1, No 1 (2017): Januari
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (378.942 KB) | DOI: 10.26740/al-uqud.v1n1.p14-26

Abstract

This paper aims to find out illustration and estimation of zakat potency as well as the amount of zakat collection in Indonesia. Furthermore, it aims to outline the diversity between potency and realization of zakat. It used quantitative descriptive approach through secondary data collection from several sources. The result shows both potency and realization of zakat collection in Indonesia were increasing during 2011-2015. However, the amount of zakat potency surpasses the amount of zakat realization with wide gap.It shows that the average amount of zakat collection on 2011-2015 is less than 1% compare to its potency. One of the possible reason is most of Indonesian prefer to distribute their zakat directly to the muzakki, hence it is unrecorded.
Comparing the Islamic Rural Banks (BPRS) Soundness on Java Area Before and During the Pandemic Sari, Henny Rahma; Canggih, Clarashinta
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.v5i2.12351

Abstract

The study aimed to compare the Islamic Rural Banks (BPRS) soundness on Java area before and during the pandemic. The research is a quantitative study using secondary data obtained from the monthly Islamic Banking statistics published by Otoritas Jasa Keuangan. The sample was DPK, NPF, and FDR of BPRS in 6 provinces at Java island from May 2019 until November 2020. The analysis of the data in this study used Wilcoxon analysis. The results of the study indicated there is a different of BPRS soundness, represented by DPK, NPF, and FDR before and during the pandemic covid-19.  
Comparing the Islamic Rural Banks (BPRS) Soundness on Java Area Before and During the Pandemic Sari, Henny Rahma; Canggih, Clarashinta
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.v5i2.12351

Abstract

Thestudy aimed to compare the Islamic Rural Banks (BPRS) soundness on Java area before and during the pandemic. The research is a quantitative study using secondary data obtained from the monthly Islamic Banking statistics published by Otoritas Jasa Keuangan. The sample was DPK, NPF, and FDR of BPRS in 6 provinces at Java island from May 2019 until November 2020. The analysis of the data in this study used Wilcoxon analysis. The results of the study indicated there is a different of BPRS soundness, represented by DPK, NPF, and FDR before and during the pandemic covid-19. 
Pengaruh Penggunaan Pembayaran Shopeepay Later Terhadap Perilaku Konsumsi Islam Generasi Milenial Di Surabaya Farah Dilla Wanda Damayanti; Clarashinta Canggih
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (183.87 KB) | DOI: 10.29040/jiei.v7i3.2872

Abstract

The study aimed to reveal the impact of Shopeepay Later on the Islamic consumption behavior of the millennial generation in Surabaya. The variables independent were convenience, trust, and lifestyle with variable dependent were Islamic consumption behavior. The Islamic consumption behavior measured by three basic principles of Islamic consumption. The research method used quantitative. Research samples calculated using the formula of Lemeshow with the calculation results of 100 respondents. The primary data collected using a questionnaire linkert scales. The data were analyzed by multiple regression analysis using the T test and F test and coefficient of determination test using the SPSS 24.0. the result showed that the convenience and trust have a positive impact on Islamic consumption behavior, in contrast lifestyle has a negative impact on Islamic consumption behavior.
Pengaruh Electronic Money, Gaya Hidup Dan Pengendalian Diri Terhadap Perilaku Konsumsi Islam Maulidysneni Nurvita Sukma; Clarashinta Canggih
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (312.306 KB) | DOI: 10.29040/jiei.v7i1.1570

Abstract

This study was aimed to reveal the impact of electronic money, lifestyle and self control towards Islamic consumption behaviour pattern of Y and Z generation in Surabaya. The behaviour pattern of Islamic consumption was measured by 6 basic principles of consumption in Islam. Descriptive quantitative was applied as the research method. This study took 150 respondents as the research sample by using the formula of Malhotra. The data was collected by using questionnaire along with purposive sampling method and guttman scales. Then, probit regression analysis using the application of Stata 14 was occupied as the data analysis. It was resulted that the variable of electronic money had a marginal effect value of -9,5% so that the probability was not correspond to the Islamic consumption behaviour pattern whereas the variable of life style had a value of -9% which meant that the probability was not correspond to Islamic consumption behaviour pattern and the variable of self control indicated a value of 17% so that the probability matched with Islamic consumption behaviour pattern
THE EFFECT OF PRODUCT QUALITY, BRAND IMAGE, AND HALAL LABEL ON CONSUMER SATISFACTION CITRA BODY LOTION PRODUCTS (CASE STUDY OF SURABAYA UNIVERSITY STUDENT) Rizkiyah Rokhmatul Laili; Clarashinta Canggih
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 6 (2021): November-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20216pp743-756

Abstract

ABSTRAKPenelitian ini mengkaji tentang pengaruh kualitas produk, citra merek dan label halal terhadap kepuasan konsumen pada produk body lotion Citra pada Mahasiswa di Kota Surabaya. Metode penelitian yang digunakan yaitu penelitian kuantitatif dengan teknik analisis regresi linear berganda. Penelitian ini menggunakan teknik sampling purposive serta data primer yang berasal dari kuesioner yang disebar pada kriteria responden dalam penelitian. Hasil dari penelitian menyatakan bahwa kualitas produk dan label halal berpengaruh positif terhadap kepuasan konsumen. Citra merek berpengaruh negatif terhadap kepuasan konsumen. Hasil tersebut menunjukkan bahwa Mahasiswa di Kota Surabaya menjadikan aspek kualitas produk dan label halal sebagai penentu kepuasan konsumen dalam penggunaan body lotion Citra. Sedangkan aspek citra merek meliputi penilaian masyarakat terkait merek produk dan perusahaan yang memproduksi tidak menjadi bagian dari penentu kepuasan konsumen.Kata Kunci: Kualitas Produk, Citra Merek, Label Halal, Kepuasan Konsumen. ABSTRACTThis research examined product quality, brand image and halal labels on consumer satisfaction Citra body lotion products for college students in Surabaya. The research method used quantitative research with multiple linear regression analysis techniques. This research use sampling purposive techniques and primary data from a questionnaire distributed to respondents’ criteria. The result showed that product quality and the halal label have a positive effect on consumer satisfaction. The brand image has a negative effect on consumer satisfaction. The result showed that college students in Surabaya make the quality product and halal label a determining consumer satisfaction in using Citra body lotion products. While the brand image involves the public assessment of product brands and companies that produce them are not part of determining consumer satisfaction.Keywords: Product Quality, Brand Image, Halal Label, Consumer Satisfaction. DAFTAR PUSTAKAAlfian, I., & Marpaung, M. (2017). Analisis pengaruh label halal, brand dan harga terhadap keputusan pembelian di kota Medan. Jurnal At-Tawassuth, 2, 122–145.Anggraini, N. P., & Suryoko, S. (2018). Pengaruh labelisasi halal, harga dan kualitas produk terhadap loyalitas pelanggan melalui kepuasan pelanggan (Studi pada konsumen kosmetik sariayu di kota Semarang). Jurnal Ilmu Administrasi Bisnis, 7, 359–356.Annam, A. (2016). Hakikat ekonomi Islam tentang kelangkaan sumber daya ekonomi dan kebutuhan manusia (Era globalisasi dan industrialisasi). Al-Masharif : Jurnal Ilmu Ekonomi Dan Keislaman, 4, 127–144. DOI: https://doi.org/10.24952/masharif.v4i1.764Asaf, A. S. (2020). Upaya pemenuhan kebutuhan dasar manusia. Jurnal Cakrawarti, 2, 26–31.Bahar, A., & Sjaharuddin, H. (2015). Pengaruh kualitas produk dan kualitas pelayanan terhadap kepuasan konsumen dan minat beli ulang. Jurnal Organisasi Dan Manajemen, 3, 14–34.Bulan, T. P. L., Khairul, F., & Rizal, M. (2017). Pengaruh label halal dan bonus dalam kemasan terhadap keputusan pembelian pada produk kinder joy pada masyarakat kota Langsa. Jurnal Manajemen Dan Keuangan, 6, 729–739. DOI: 10.5281/zenodo.1320512Cahyani, F. G., & Sitohang, S. (2016). Pengaruh kualitas produk, kualitas pelayanan dan harga terhadap kepuasan konsumen. Jurnal Ilmu Dan Riset Manajemen, 5, 1–19.Dimyati, M. (2004). Perilaku konsumen. Jember: Universitas Jember.DPR RI. (2014). Undang - Undang Jaminan Produk Halal.Faizal, H., & Nurjanah, S. (2019). Pengaruh persepsi kualitas dan citra merek terhadap loyalitas pelanggan dimediasi kepercayaan dan kepuasan pelanggan. Jurnal Riset Manajemen Dan Bisnis, 4(2), 307–316.Ferrinadewi, E. (2008). Merek & psikologi konsumen implikasi pada strategi pemasaran. Surabaya: Graha Ilmu.Haryono, N., & Octavia, R. (2014). Analisis pengaruh citra merek dan mutu layanan terhadap kepuasan konsumen serta dampaknya terhadap loyalitas konsumen. Jurnal INDEPT, 4(20), 20–27.Hasibuan, H. A., Nasution, M. D. T., & Anggraini, F. (2017). The effect of halal label, halal awareness, and brand image on consumer intention to buy. International Journal for Innovative Research in Multidisciplinary, 3, 140–147.Izzuddin, A. (2018). Pengaruh label halal, kesadaran halal dan bahan makanan terhadap minat beli makanan kuliner. Jurnal Penelitian Ipteks, 3(2), 100–114.Jauzi, I., & Prasetyo, A. (2021). Analisa dampak kepuasan pelanggan dalam hubungan antara orientasi pelayanan dan kualitas pelayanan terhadap loyalitas pelanggan salon muslimah. Jurnal Ekonomi Syariah Teori dan Terapan, 8(3), 297–304. http://dx.doi.org/10.20473/vol8iss20213pp297-304Kotler, P. (2002). Manajemen pemasaran. Jakarta: PT. Prenhallindo.Kotler, P. (2017). Manajemen pemasaran, analisis, perencanaan, implementasi dan kontrol. Jakarta: PT. Prenhallindo.Kotler, P., & Amstrong, G. (2001). Prinsip - prinsip pemasaran. Jakarta: Erlangga.Kurniawati, D., Suharyono, & Kusumawati, A. (2014). Pengaruh citra merek dan kualitas produk terhadap kepuasan dan loyalitas pelanggan (Studi pada pelanggan KFC Cabang Kawi Malang). Jurnal Administrasi Bisnis, 14(2), 1–9.Lasander, C. (2013). Citra merek, kualitas produk, dan promosi pengaruhnya terhadap kepuasan konsumen pada makanan tradisional. Jurnal EMBA, 1(3), 284–293. DOI: https://doi.org/10.35794/emba.1.3.2013.2024Leonard, A., Sutomo, M., & Farid. (2018). Pengaruh pengalaman merek dan citra merek terhadap kepuasan mahasiswa fakultas ekonomi universitas tadulako menggunakan beauty balm (BB) cream wardah. Jurnal Ilmu Manajemen, 4(2), 185–190. DOI: https://doi.org/10.22487/jimut.v4i2.119Lesmana, R., & Ratnasari. (2019). Pengaruh kualitas produk dan kualitas pelayanan terhadap kepuasan konsumen PT. Radekatama Piranti Nusa. Jurnal Pemasaran Kompetitif, 2(2), 115–129. DOI: http://dx.doi.org/10.32493/jpkpk.v2i2.2464Liputan 6. (2021). Sensus 2020 : Milenial dan gen Z dominasi proporsi penduduk di Jatim. Diakses dari https://m.liputan6.com/surabaya/read/4464935/sensus-2020-milenial-dan-gen-z-dominasi-proporsi-penduduk-di-jatimLores, L., & Siregar, R. (2019). Biaya kualitas, produktivitas dan kualitas produk: Sebuah kajian literatur. Jurnal Akuntansi Dan Bisnis, 5(2), 94–101.Nugroho J, S. (2007). Perilaku konsumen: Konsep dan implikasi untuk strategi dan penelitian pemasaran. Jakarta: Kencana Prenada Media.Putra, I. R. (2019). 15.000 pengunjung ditarget hadiri pameran kecantikan terbesar di Indonesia. Diakses dari https://m.merdeka.com/uang/15000-pengunjung-ditarget-hadiri-pameran-kecantikan-terbesar-di-indonesia.htmlRouters, T. (2018). Global Islamic Economy Report. Manama: Bahrain.Sada, H. J. (2017). Kebutuhan dasar manusia dalam perspektif pendidikan Islam. At-Tadzkiyyah: Jurnal Pendidikan Islam, 8(2), 213–226.Sari, A. F. K., & Junaidi. (2020). Fenomena label halal is it a awareness or branding. Jurnal Ilmiah Ekonomi Islam, 6(1), 87–94. DOI:10.29040/jiei.v6i1.915Savitri, I. A. P. D., & Wardana, I. M. (2018). Pengaruh citra merek, kualitas produk dan persepsi harga terhadap kepuasan dan niat beli ulang. E-Jurnal Manajemen Unud, 7(10), 5748–5782. DOI: https://doi.org/10.24843/EJMUNUD.2018.v07.i10.p19Sigit, K. N., & Soliha, E. (2017). Kualitas produk dan kualitas layanan terhadap kepuasan dan loyalitas nasabah. Jurnal Keuangan Dan Perbankan, 21(1), 157–168. DOI: https://doi.org/10.26905/jkdp.v21i1.1236Sondakh, C. (2014). Kualitas layanan, citra merek dan pengaruhnya terhadap kepuasan nasabah dan loyalitas nasabah tabungan (Studi pada nasabah taplus BNI cabang Manado). Jurnal Riset Bisnis Dan Manajemen, 3, 319 - 32.Sopiyan, P. (2020). 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Analysis of Factors Affecting the Decisions of Islamic Stock Investors in Surabaya during the Covid-19 Pandemic Ibnu Affan; Clarashinta Canggih
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp213-229

Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui faktor-faktor apa saja yang berpengaruh terhadap keputusan investor saham syariah di Surabaya selama pandemi Covid-19. Faktor-faktor tersebut didapatkan melalui market variables, financial literacy, herding behavior, dan risk tolerance. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik analisis yakni analisis faktor konfirmatori. Penelitian ini memakai teknik purposive dan snowball sampling untuk mendapatkan 100 responden melalui kuesioner yang disebar sesuai dengan kriteria yang telah ditentukan. Hasil dari penelitian menyatakan bahwa terdapat tiga faktor yang memengaruhi keputusan investor saham syariah di Surabaya selama pandemi Covid-19 yakni perilaku herding sebagai faktor utama, pengetahuan investasi sebagai faktor kedua, dan market variables sebagai faktor ketiga. Kata Kunci: Perilaku Herding, Pengetahuan Investasi, Market Variables, Keputusan Investasi, Pandemi Covid-19.   ABSTRACT This study aims to determine what factors influence the decisions of Islamic stock investors in Surabaya during the Covid-19 pandemic. These factors are obtained through market variables, financial literacy, herding behavior, and risk tolerance. The research method uses a quantitative approach with analytical techniques, namely confirmatory factor analysis. This study used purposive and snowball sampling to get 100 respondents through questionnaires distributed according to the predetermined criteria. The results found that three factors influence the decisions of Islamic stock investors in Surabaya during the Covid-19 pandemic, i.e., herding behavior as the main factor, investment knowledge as the second factor, and market variables as the third factor. 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INKLUSI PEMBAYARAN ZAKAT DI INDONESIA Clarashinta Canggih; Khusnul Fikriyah; Ach. Yasin
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 3 No. 1 (2017): JANUARI-JUNI 2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (727.697 KB) | DOI: 10.20473/jebis.v3i1.3164

Abstract

This paper aims to find out the amount of zakat fund collection, particularly zakat maal in Indonesia. Numbers of zakat fund collected is used to see zakat inclusion from the perspective of zakat payment of Indonesian. This paper uses descriptive quantitative through secondary data collection from several sources. The result shows that the realization of zakat fund collection in Indonesia increases during 2006-2015, so does the number of people who pay zakat. However, it can be seen that the zakat payment inclusion of Indonesian people is still low. The number of people who paid zakat is lower compare to the number of people who are obligated. It need further research to divulge the reason.
ISLAMIC CORPORATE RESPONSIBILITY DAN KINERJA KEUANGAN PADA BANK UMUM SYARIAH DI INDONESIA Eka Cahyaningtiyas; Clarashinta Canggih
Jurnal Ekonomika dan Bisnis Islam Vol 3 No 2 (2020): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (321.741 KB) | DOI: 10.26740/jekobi.v3n2.p72-81

Abstract

In this modern era, the company's goals have shifted. Not merely pursuing profit, but competing to create a good image in the eyes of the public and stakeholders. This study aims to examine the influence of  ICSR on financial performance in Islamic commercial banks. The method in this research is quantitative with panel data analysis. Samples used was 11 Islamic commercial banks in Indonesia with a purposive sampling technique using secondary data sources from the 2016-2018 financial statements.The results show that the Islamic Corporate Social Responsibility (ICSR) negative effect on financial performance in Islamic banks.