Shirkah: Journal of Economics and Business
Syirkah: Jurnal Ekonomi dan Bisnis adalah jurnal peer-review yang diterbitkan tiga kali setahun (April, Agustus, dan Desember) oleh Fakultas Ekonomi Islam dan Bisnis Institut Agama Islam Negeri (IAIN) Surakarta Jawa Tengah Indonesia bekerja sama dengan Perhimpunan Indonesia Ekonom Islam (lihat naskah MoU ). Jurnal ini dimaksudkan untuk menjadi platform diseminasi artikel yang melaporkan hasil penyelidikan ilmiah tentang Ekonomi dan Bisnis Islam. Jurnal ini memfokuskan pembahasannya pada bidang keuangan Islam, filantropi Islam, pemikiran ekonomi Islam, dan pemasaran Islam (lihat Fokus & Ruang Lingkup ).
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<![CDATA[Technology Readiness and Digital Competing Capabilities: Digital Value Resonance ]]>
<![CDATA[Panjaitan, Roymon]]>;
<![CDATA[Moonti, Agustinus]]>;
<![CDATA[Adam, Echan]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v6i2.385
<![CDATA[The digital economy for MSMEs still possesses complex problems in the debate over technology readiness and competitive digital capabilities. The increase of dynamic product innovation changes is only effectively supported by digital value resonance. Addressing this issue, this research aims to explore the readiness of technology and the ability to compete digitally for innovative products through the resonance of digital value, especially for multi-business businesses. The data were collected from 170 respondents of small and medium-sized businesses through questionnaires. SEM-PLS techniques were used to analyze the data with a path mediated by digital value resonance on product innovation. The results showed that the resonance of digital value successfully mediated the relationship of technological readiness and digital competing capabilities, as well as direct links to the improvement of innovative products. Digital consumer habits also successfully strengthened the relationship of technological readiness and digital competing capabilities on the resonance of digital value. The advantages of this research lie in the synthesis of proposed digital value resonance variables from the results of resource-based view theory propositions in bridging the previous researcher gaps and contributing as a conceptual novelty model that can personalize digital value in the level of competition and increase MSMEs innovation products.]]>
<![CDATA[Determinants of Online Zakat Intention amongst Muslim Millennials: An Integration of Technology Acceptance Model and Theory of Planned Behavior ]]>
<![CDATA[Ninglasari, Sri Yayu]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v6i2.387
<![CDATA[Today’s modern civilization has resulted in the crucial role of technology in human life, including financial matter. Integrating Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB), this study sheds some light on the determinants of Muslim millennials’ intention in performing zakat payment using Financial Technology (Fintech). An online questionnaire survey was conducted to gather the required data from a group of Indonesian Muslim millennials. Employing purposive sampling technique, the sample consisted of 200 respondents. The data were analyzed with the assistance of Structural Equation Model - Partial Least Square (SEM-PLS). The results demonstrated that perceived ease of use and perceived usefulness positively and significantly affected the respondents’ attitudes. Moreover, attitudes, subjective norms, and perceived behavioral control significantly affected the intention of using Fintech to perform zakat payment. The results further revealed that there was no direct influence between perceived ease of use and perceived usefulness on the respondents’ intention to use Fintech. However, it had an indirect effect by the mediation of attitude variable. As a theoretical implication, this study contributes to the literature enhancement in the discourse of TAM and TPB models in zakat context. Practically, it assists zakat management institutions recognize the Muslim millennial community and develop digital zakat payment platforms.]]>
<![CDATA[The Contribution of Waqf on Poverty Alleviation through Digital Platforms ]]>
<![CDATA[Fanani, Ahmad]]>;
<![CDATA[Kuncoro, Ardhika Wahyu]]>;
<![CDATA[Husni, Ahmad bin Muhammad]]>;
<![CDATA[Wijayanti, Elina Adi]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v6i2.386
<![CDATA[Poverty is an important issue in this digital era and has a great impact in social element of human being. Islam is a complete religion has attention in tangible and intangible aspect of human to reach Allah’s will and has solution to alleviate poverty till human feel a good life in here and hereafter. Waqf as one from many Islamic solutions could alleviate poverty that can saw from historical lesson since prophet Muhammad r and his companions which developed by various program and tools like digital platforms in this era. The purposes of this research to snapshot a poverty situation and detail a grand design of waqf in poverty alleviation through digital platforms in Indonesia and good governance principles used in waqf management. The research used qualitative methodology based on document analysis and observation of all instruments related to waqf. In the end of research, the authors conclude that waqf has an important advantage to decrease poverty and using digital platforms with a good management make waqf spread widely and easily to collect the asset of waqf from Muslim in Indonesia.]]>
<![CDATA[Female Users’ Behavioral Intention to Purchase in Social Commerce through Social Networking Sites ]]>
<![CDATA[Tun, Phyo Min]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v6i2.416
<![CDATA[The present study aims to discover the relationship among social influence, verbal influence, easiness, trust, enjoyment, and intention to purchase in social commerce (S-Commerce), particularly by female users of social networking sites (SNS). A total of 280 responses were collected from female SNS users through an online survey. The obtained data were further examined for normality, construct validity, reliability, and model fit, using Structural Equation Modeling (SEM) to test the hypotheses. This study confirmed that social influence had a significant effect on verbal influence and trust; meanwhile enjoyment was influenced by trust and easiness. The results also revealed that trust and enjoyment had a positive effect on intention to purchase products or services from social commerce by the female SNS users. Moreover, verbal influence provided an impact on trust and easiness; while the relationship between social influence and enjoyment, easiness, and trust was not significant. These results contribute to offering fruitful insights for sellers and vendors of social commerce in attracting and acquiring the attention of female customers; as a result, it leads to achieving higher profits and flourishing business activities in social commerce.]]>
<![CDATA[Factors Contributing to Deficit Spending in Indonesia ]]>
<![CDATA[Walyoto, Sri]]>;
<![CDATA[Soebagiyo, Daryono]]>;
<![CDATA[Hapsoro, Ahmad Luthfi Ridho]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
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DOI: 10.22515/shirkah.v6i2.350
<![CDATA[The issues concerning deficit spending have been a major concern in macroeconomic policies. Each country has a different method to solve the problems, including by devising appropriate deficit spending policies. This study investigates the effect of deficit spending in Indonesia. The effect of deficit management is seen from the sources to finance budget deficit, the efforts that are made, and the ability to contribute to the economy. Another research objective is to identify the magnitude of the effect of deficit spending and its effect on the national economy. This study attempts to explain that the applied model is able to determine the factors that contribute to deficit spending in Indonesia. The findings of this study reveal that both in the short- and long-run, external debts have a positive and significant effect on deficit spending. On the contrary, the economic growth and inflation rate have no significant effect on deficit spending.]]>
<![CDATA[Users’ Experiences of Mobile Financial Services at Rural Areas of Bangladesh ]]>
<![CDATA[Rahman, Md. Mehadi]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v6i2.409
<![CDATA[Mobile Financial Services (MFS) is one of the new innovations of the modern financial system. It nowadays plays a crucial role in banking users’ day-to-day financial activities. This study investigates users’ experiences of MFS at rural areas of Bangladesh. Specifically, this study sought to gain an understanding of to what extent different factors positively or negatively influence users’ experience in using mobile financial services. This study was mainly a survey research. The data were obtained using a questionnaire from a total of 128 MFS users (102 male and 26 female) living in rural areas of Bangladesh who were conveniently chosen from five Upazilla in Barishal city. The findings suggested that MFS users in rural areas of Bangladesh have both positive and negative experiences toward the use of mobile financial services. This study further revealed six major factors that have influenced the users’ positive and negative experiences in general, i.e. perceived usefulness, perceived ease of use, perceived risk, trust, customer and MFS agent relationship, and perceived cost. It was found that the last factor (perceived cost) have generated the users’ negative experiences toward mobile financial services. Therefore, the government and MFS providers are encouraged to work together with some innovative strategies to change the users’ negative experiences into positive experiences of using the mobile financial services.]]>
<![CDATA[Acceleration of Islamic Bank Financing in Indonesian Agriculture Sector ]]>
<![CDATA[Mubarok, Faizul]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v6i2.341
<![CDATA[Economic instability is a challenge for Islamic banks in channeling financing to various sectors including agriculture. This study aims to shed some light on the influence of economic indicators and the financing response to agriculture sector using monthly data from 2006 to 2020, including data from agriculture sector financing, interest rates, inflation, exchange rates, Islamic stock index, and composite stock index. This study employed Vector Error Correction Model (VECM) method. The results revealed that only interest rates and inflation affected Islamic bank financing in the short and long term period. Islamic bank financing in the agriculture sector reached the fastest stability when responding to exchange rate shocks. The results further showed that interest rates mostly influenced the level of diversity in Islamic bank financing in the agriculture sector. The results suggest that stakeholders need to play a crucial role in stabilizing economic turmoil to accelerate Islamic bank financing particularly in agriculture sector.]]>
<![CDATA[Determinants of Online Zakat Intention amongst Muslim Millennials: An Integration of Technology Acceptance Model and Theory of Planned Behavior ]]>
<![CDATA[Sri Yayu Ninglasari]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v6i2.387
<![CDATA[Today’s modern civilization has resulted in the crucial role of technology in human life, including financial matter. Integrating Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB), this study sheds some light on the determinants of Muslim millennials’ intention in performing zakat payment using Financial Technology (Fintech). An online questionnaire survey was conducted to gather the required data from a group of Indonesian Muslim millennials. Employing purposive sampling technique, the sample consisted of 200 respondents. The data were analyzed with the assistance of Structural Equation Model - Partial Least Square (SEM-PLS). The results demonstrated that perceived ease of use and perceived usefulness positively and significantly affected the respondents’ attitudes. Moreover, attitudes, subjective norms, and perceived behavioral control significantly affected the intention of using Fintech to perform zakat payment. The results further revealed that there was no direct influence between perceived ease of use and perceived usefulness on the respondents’ intention to use Fintech. However, it had an indirect effect by the mediation of attitude variable. As a theoretical implication, this study contributes to the literature enhancement in the discourse of TAM and TPB models in zakat context. Practically, it assists zakat management institutions recognize the Muslim millennial community and develop digital zakat payment platforms.]]>
<![CDATA[The Contribution of Waqf on Poverty Alleviation through Digital Platforms: A Case of Indonesia ]]>
<![CDATA[Ahmad Fanani]]>;
<![CDATA[Ardhika Wahyu Kuncoro]]>;
<![CDATA[Ahmad bin Muhammad Husni]]>;
<![CDATA[Elina Adi Wijayanti]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v6i2.386
<![CDATA[Today, poverty is a crucial issue and has a great impact in social and economic development. Waqf (charitable endowment) is one of the sources of Islamic economic system, which refers to the voluntary charity. Waqf has a unique presence in Islam and could potentially alleviate poverty. It was reflected in the historical lesson since prophet Muhammad (PBUH) and his companions developed a system where rich people could donate their wealth for the society development. This concept, nowadays, is adopted by developing a Waqf system that integrates digital technology. Concerning on this issue, the present study aims to snapshot a poverty situation and portray the grand design of digital Waqf system in alleviating the poverty in Indonesia. Under the procedure of qualitative approach, this study employs document analysis and observation of all instruments related to Waqf. The results show that Waqf plays an important role in decreasing poverty in Indonesia. By utilizing digital platforms, the collection of Waqf funds is effective and widely spread to the Muslim community within the country. The results suggest that digital Waqf system has a crucial role and potentially contributes to the sustainable economic development of a developing country, particularly Indonesia. This study can be used in financial inclusion through the application of digital Waqf to alleviate poverty.]]>
<![CDATA[Female Users’ Behavioral Intention to Purchase in Social Commerce through Social Networking Sites ]]>
<![CDATA[Phyo Min Tun]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v6i2.416
<![CDATA[The present study aims to discover the relationship among social influence, verbal influence, easiness, trust, enjoyment, and intention to purchase in social commerce (S-Commerce), particularly by female users of social networking sites (SNS). A total of 280 responses were collected from female SNS users through an online survey. The obtained data were further examined for normality, construct validity, reliability, and model fit, using Structural Equation Modeling (SEM) to test the hypotheses. This study confirmed that social influence had a significant effect on verbal influence and trust; meanwhile enjoyment was influenced by trust and easiness. The results also revealed that trust and enjoyment had a positive effect on intention to purchase products or services from social commerce by the female SNS users. Moreover, verbal influence provided an impact on trust and easiness; while the relationship between social influence and enjoyment, easiness, and trust was not significant. These results contribute to offering fruitful insights for sellers and vendors of social commerce in attracting and acquiring the attention of female customers; as a result, it leads to achieving higher profits and flourishing business activities in social commerce.]]>
