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Riduan Mas'ud
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Institut Agama Islam Negeri Surakarta, Indonesia Jln. Pandawa No. 1, Pucangan, Kartasura, Central Java, Indonesia, 57168
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Shirkah: Journal of Economics and Business
Published by Institut Agama Islam Negeri Surakarta
ISSN : 2504235     EISSN : 25034243     DOI : 10.22515/shirkah.v7i1.403
Core Subject : Economy,
Economics, Econometrics & Finance
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 ).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 261 Documents
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Social Influence, Religiosity, and Salesperson Service on Saving Intention in Islamic Banks: The Mediating Role of Perceived Ease of Use of Technology Aris Tri Haryanto; Fitri Wulandari
Shirkah: Journal of Economics and Business Vol 7, No 2 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v7i2.506

Abstract

Research on the Theory of Planned Behavior (TPB) in the context of Islamic banks management has been conducted for years. However, studies investigating the mediating role of perceived ease of use of technology on saving intention in Islamic banks by considering social influence, religiosity, and salesperson service still require more paucity of evidence. This study adopted the TPB and Perceived Behavior Control (PBC). Purposive sampling was used to select 250 respondents who were customers of Islamic banks in Surakarta municipality, Indonesia. The data were analyzed by using the Structural Equation Model (SEM) with SPSS AMOS 22.  The results indicate that social influence, religiosity, and salesperson service have a positive and significant impact on saving intentions in Islamic banks. With partial mediating results, perceived ease of use of technology mediates the effect of social influences on saving intention in Islamic banks.  Meanwhile, the role of perceived ease of use of technology in mediating social influence on saving intentions is ineffective. Salesperson service has the biggest effect on saving intentions since they are directly interacting with customers. The results contribute to providing fruitful insights to sharia banks that sales person service and religiosity are two crucial factors determining the consumers’ satisfaction.
Religiosity or Income? Factors Driving Customer Buying Interest in Islamic Insurance Products Dede Nurohman
Shirkah: Journal of Economics and Business Vol 7, No 3 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v7i3.474

Abstract

Despite the enormous potential represented by an 87% Muslim population and the growing welfare of the Muslim community in Indonesia, Islamic insurance has not grown rapidly during the past decades. The primary issues that hinder the growth of the Islamic insurance sector are thought to be people's level of income and religiosity. Therefore, this paper attempts to investigate the effect of religiosity and income on people's interest in buying Islamic insurance products. This study employed a quantitative approach with a questionnaire as a data mining technique. 200 residents of eight districts and cities in East Java, a province in Indonesia, participated as respondents in this study. The data analysis involved descriptive analysis, inferential analysis, classical assumption test, and hypothesis test. This study demonstrates that people's interest in buying Islamic insurance products is positively and significantly influenced by their religiosity and income, either partially or simultaneously. This result can be taken into account by the Islamic insurance sector when planning the best marketing plan, especially for the wealthy and fervently religious Muslim segment of society.
Consumer Reviews, Ratings, and Gamification on Muslim Millennials’ Online Purchasing Decisions Septi Kurnia Prastiwi; Asep Maulana Rohimat; Helti Nur Aisyiah
Shirkah: Journal of Economics and Business Vol 7, No 3 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v7i3.467

Abstract

Since previous research on the relationship among Online Consumer Review (OCR), ratings, gamification, and online purchasing decisions had mixed results, this study involves trust as a mediating variable, which has never been explored in previous research, to explore online consumer reviews, ratings, and gamification in increasing trust of Muslim Millennials for online purchasing decisions. Investigating Muslim millennials in Central Java and Yogyakarta, 114 questionnaire results were analyzed using Structural Equation Model. The results showed that OCR and ratings affect Muslim Millennials' online purchasing decisions at Shopee, while gamification cannot affect them. Trust in this research model could not affect purchasing decisions. Thus, the trust could not be a mediating variable. The results of this study will be useful for Micro, Small and Medium Enterprises (MSMEs) and the online shop’s development team to maintain the image of an online store.
Islamic Finance-Growth Nexus: Evidence from Indonesia Firsty Izzata Bella; Imron Mawardi; Ishma Amelia
Shirkah: Journal of Economics and Business Vol 7, No 2 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v7i2.472

Abstract

Previous work on the financial industry, which covers the entire financial services sector and is related to economic growth, has remained limited. This present study empirically analyzed the growth of Indonesia’s three main sectors of the Islamic Financial Industry (Islamic Capital Market, Islamic Banking, and Islamic non-bank Financial Industry) towards economic growth between 2014Q1 and 2021Q3. The quarterly data was processed through the ARDL Bound-test for cointegration and Error Correction Model (ECM). The research revealed three of the four research variables (sharia stock, Sukuk, and sharia insurance) that significantly affect GDP, while Islamic banking shows no significant effect on GDP. As a result, Indonesian Islamic banks must optimize funds for the productive sector. Future policies should consider maximizing the role of the Islamic financial industry to accelerate economic growth.
Islamic Banking Financial Inclusion and Tax Revenue in OIC Countries: To What Extent do They Correlate? Muhammad Alan Nur; Annisa Rahma Febriyanti; Sulistya Rusgianto; Sri Herianingrum
Shirkah: Journal of Economics and Business Vol 7, No 3 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v7i3.498

Abstract

Tax revenue of Organization of Islamic Cooperation (henceforth OIC) countries has not reached the global average, and so has the financial inclusion. Notwithstanding this fact, few researchers have addressed the effect of financial inclusion on tax revenue in the context of Islamic finance while it is undeniably having significant connection to the real sector. Drawing on this crucial issue, the present study calls into the possible effect of Islamic banking financial inclusion on tax revenue in eleven countries of OIC membership consisting of Indonesia, Jordan, Kazakhstan, Kuwait, Malaysia, Nigeria, Oman, Pakistan, Saudi Arabia, Turkey, and the United Arab Emirates in the period of 2013 to 2019. The data were analyzed under the procedure of panel data regression using fixed effect model. The result depicted that Islamic banking financial inclusion, in terms of financial access and financial usage, had no significant effect on tax revenue of the OIC countries. This result is reasonable, since Islamic banking financial inclusion still requires massive promotion particularly by the OIC countries included in this study.  Hence, this study leaves an implication for OIC countries to foster Islamic banking financial inclusion as a crucial effort to increase the tax revenue, in which Islamic banks play a promising role for sharia-compliance-based financial transactions in the recent years.
You’ve Over the Line! Muslim Consumers are Resistant to Opposite Brand Values Firdan Thoriq Faza; Yan Putra Timur; Lu'liyatul Mutmainah; Sulistya Rusgianto
Shirkah: Journal of Economics and Business Vol 7, No 3 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v7i3.529

Abstract

The consumer's antagonistic behavior towards brands is hotly discussed because of the political issues it carries. However, factors affecting Muslim consumers to reject a product still requires more paucity of empirical evidence. The current study casts the light on antecedent factors that influence Muslim consumers to reject a product, and on a pattern between the reasons for refusal and the intention to boycott a brand. The online survey was able to reach 450 respondents from the Muslim community. This paper uses scenarios from confirmed cases of Muslim consumer boycotts against Unilever brands in Indonesia. Using the snowball-sampling technique, many of the respondents were from the educated young urban Muslim community. The model was tested using partial least squares-structural equation modeling (PLS-SEM). Moreover, the interaction moderation technique was applied to examine the effect of moderators on the structural model. The results showed that brand hate fully mediates all variables except symbolic incongruity. The results further revealed that brand hate is a construct with three first-order formative triggers (religious animosity, ideological incompatibility, and subjective norms). In addition, this study theoretically contributes to providing clear delineation that brand hate is a dichotomous concept consisting of the dimensions of intention to boycott (intention to incite, intention to avoid, and intention to punish).
Is Loan Shark an Alternative? The Intentions to Take a Loan from Loan Sharks in Indonesia Safwan Kamal; Muslem Muslem; Mulyadi Mulyadi; Erne Suzila Kassim; Muhammad Uzair Zulkifly
Shirkah: Journal of Economics and Business Vol 7, No 2 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v7i2.487

Abstract

Research rarely reaches the discussion of loan sharks. This study describes how intentions are influenced by service, word-of-mouth, and subjective norms, with knowledge of usury acting as a moderating variable. This quantitative study involved 150 respondents. The data collected was analyzed by using structural Equation Modeling (SEM) with SmartPLS 3 Software. According to this study, service significantly affected intention to take a loan from loan sharks but had no influence on word-of-mouth. Though it has no influence on intention, the subjective norm has a significant influence on word-of-mouth. The service on the intention is mediated by word of mouth, which has an influence on the intention. However, word-of-mouth does not act as a mediating variable between subjective norms and intentions. The intention to use the services of loan sharks is significantly moderated by knowledge about usury, which also significantly moderates word-of-mouth and subjective norms. It did not, however, moderate the influence of service on intentions. As a result, it is recommended that the government create Islamic financial institutions not only for the middle class and upper class but also for the lower economic class, which is vulnerable to loan sharks.
Factors Influencing Muslim Customer Loyalty: The Mediating Effect of Muslim Customer Satisfaction in Indonesia Devy Leony Olyvia; Darwanto Darwanto
Shirkah: Journal of Economics and Business Vol 8, No 1 (2023)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v8i1.441

Abstract

McDonald's held the second position in the Top Brand Index for five consecutive years from 2015 to 2020 conducted by Frontier Consulting Group, with participation from customers in eight major cities in Indonesia, including Semarang city. McDonald's experienced a decline in customer loyalty, which poses a challenge for the restaurant to maintain its customer base and attract new customers. Therefore, this research aims to examine the factors that influence Muslim customers' loyalty to McDonald's. The study focuses on Muslim customers with McDonald's subscriptions in Semarang City, with a sample of 144 respondents. The analysis technique used was the Structural Equation Model-AMOS. The study reveals that halal labeling, product quality, and Muslim customer satisfaction have a significant effect on Muslim customer loyalty. The quality and price of the product have a significant effect on Muslim customer satisfaction. Muslim customer satisfaction as an intervening variable cannot mediate all variables on Muslim customer loyalty. Hence, producers should focus on products of al-tayyibat.
The Mawar Emas Program for Fighting Moneylenders Riduan Mas'ud; Jamaliah Said; Muhammad Azizurrohman
Shirkah: Journal of Economics and Business Vol 8, No 1 (2023)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v8i1.520

Abstract

The Mawar Emas Program, a program aimed at countering moneylenders in West Nusa Tenggara, Indonesia, has been running for two years. However, there is insufficient research to evaluate its effectiveness, requiring further analysis. This qualitative study evaluates the performance of this program since its establishment. The study's respondents were mosque administrators, the Chair and Secretary of the NTB Sharia Economic Community (MES), beneficiaries, and banks. Each respondent was interviewed to collect data related to the Mawar Emas program. The study found that the program has aided 32 mosques in West Nusa Tenggara, benefiting a total of 1,194 potential borrowers. The Mawar Emas program has an annual budget of Rp. 1,275,000,000; however, these funds have not been fully utilized. Funding and absorption of funds decreased in the program's second year. Several program elements require evaluation, such as increased funding, default rates, training delivery, obsolete data, and profit-oriented institutions. The study's findings contribute to facilitating MES's ability to assess and improve the program.
The Financial Performance of Islamic Rural Bank in Indonesia: A Bibliometric Analysis Wenda Wahyu Christiyanto; Ikin Solikin; Budi Supriatono Purnomo; Denny Andriana
Shirkah: Journal of Economics and Business Vol 8, No 1 (2023)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v8i1.456

Abstract

No bibliometric investigation has been carried out regarding the Financial Performance of the Islamic Rural Bank in Indonesia, even though Indonesia harbors the largest Muslim population, denoting an untapped market for Islamic financial institutions. This study aims to conduct extensive bibliometric literature on Financial Performance of the Islamic Rural Bank in Indonesia. The study utilized Publish or Perish (PoP) software to identify articles related to the topic from the Google Scholar database. Out of 982 articles found between 2015 and 2020, 68 articles were relevant and selected for analysis. These articles were further processed using Mendeley reference manager software and visualized using VOSviewer. The study outcomes provide a comprehensive view of the timeframe of publications, academic journals, citation rates, authorship, research subjects, and methodologies applied in examining financial performance. It provides a summary of the variables that impact the financial performance of Islamic rural banks in Indonesia and puts forth an all-encompassing framework for predicting the financial performance of these banks. This study serves as a valuable reference for future research on the Financial Performance of Islamic Rural Banks in Indonesia by providing an overview of potential topics, research methodology, variables involved, and a suggested financial performance model for Islamic rural banks in Indonesia.

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