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Safrilia Ayu Nani
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Jl. MT Haryono No 165 Malang Fakultas Ekonomi dan Bisnis Universitas Brawijaya
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Islamic Economics and finance in Focus (IEFF)
Published by Universitas Brawijaya
ISSN : -     EISSN : 29641233     DOI : 10.21776/ub.ieff
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Publish all forms of quantitative and qualitative research articles and other scientific studies related to the field of Islamic Economics and finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol. 3 No. 3 (2024)" : 15 Documents clear
PENGARUH EASE OF USE, USEFULNESS, DAN USER INTERFACE APLIKASI BSI MOBILE TERHADAP MINAT GENERASI MILENIAL DAN GENERASI Z UNTUK MELAKUKAN PEMBELIAN EMAS PADA PLATFORM BSI MOBILE Attarsyah, Azriel Auqi; Supriani, Indri
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.04

Abstract

In the past two decades technology has been developing rapidly, whereas a lot of sectors in the economy are digitized. One of the examples are BSI mobile platform that has been rapidly growing because of the majority peoples religion in indonesia is in fact Islam. The purpose of this research is to analyze the effect of BSI mobile platform Ease of use, Usefulness, User interface towards Millennials Generation and Z Generation interest to buy gold by using BSI mobile features called e-emas. This research is using questionnaires to gather data from the respondents which then are going to be processed using the SEM-PLS method. The Questionnaires will be made with Google Forms that are going to be shared in several social media platform. The results of this study shows that Ease of Use and Usefulness of BSI mobile platform does not have significant effect towards Millennials and Z generation interest to buy gold via BSI mobile platform. In contrast, User interface does have a significant effect towards Millennials and Z generation interest in buying gold through BSI mobile platform. Researcher hoped that this study could give insight and also an overview for the consumer about BSI mobile mechanism for consideration, then could also be a reference for the next researcher that studies about BSI mobile platform specifically on e-emas features.
PENGARUH PENDAPATAN, LITERASI ZAKAT, DAN PENDIDIKAN AGAMA TERHADAP KEPATUHAN INDIVIDU DALAM MENGELUARKAN ZAKAT MAAL (STUDI KASUS KJPRI UB) Muhammad Rizky; Iswan Noor
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.03

Abstract

This research aims to analyze the influence of income, zakat literacy, and religious education on individuals' compliance in paying zakat al-maal (a case study of KJPRI UB). The method used in this research is a quantitative case study. The data analysis employed logistic regression analysis. The results indicate that income, zakat literacy, and religious education have a significant positive influence on compliance in paying zakat al-maal simultaneously. Income does not have a partial effect on individuals' compliance in paying zakat al-maal. Meanwhile, zakat literacy and religious education have a positive partial effect on individuals' compliance in paying zakat al-maal.   
PREFERENSI KEPUTUSAN MUZAKKI MEMBAYAR ZAKAT DI LEMBAGA AMIL ZAKAT MELALUI PEMBAYARAN DIGITAL Abdillah Khairurrijal; Ajeng Kartika Galuh; M. Jaenudin
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.11

Abstract

Indonesia has great zakat potential, but its realization is not yet commensurate with the existing potential. This research aims to examine four factors influencing the preference for making zakat payments through digital media in zakat institutions. These factors include financial technology (FinTech) knowledge, zakat knowledge, lifestyle, and satisfaction. The focus of this study is on Muzakki at the Lembaga Manajemen Infaq (LMI) in Malang. The data analysis method employed is SEM-PLS (Structural Equation Modelling-Partial Least Square), with path analysis using SmartPLS 4 to test the pattern of relationships between variables. The results indicate that all four factors have a positive relationship with the preference for making zakat payments through digital media at zakat institutions. It is expected that the findings of this research can serve as a reference regarding the preference for using digital media to optimize the collection of zakat funds or enhance community participation in fulfilling zakat payments.
ANALISIS PENGARUH HARGA SR-012, YIELD SR-012, INFLASI, DAN PRODUK DOMESTIK BRUTO TERHADAP PERMINTAAN SUKUK RITEL SR-012 Daud Ibadurahman; Bahtiar Fitanto
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.10

Abstract

The COVID-19 pandemic has shaken the economy and created a lot of uncertainty. Despite the economic downturn, the retail sukuk investment sector is growing. The demand for retail sukuk in this study is examined from the perspective of retail sukuk, the price and yield of SR-012, as well as from a macroeconomic perspective, inflation, and GDP. Therefore, the aim of this research is to determine the influence of price, yield, inflation, and GDP variables on the demand for retail sukuk SR-012. This study is quantitative research using secondary data obtained from The Indonesian Capital Market Institute (TICMI) and Badan Pusat Statistik (BPS). The research method employs multiple linear regression using E-views 12 software. The results of the study indicate that macroeconomic factors, inflation, and GDP, both does not have significant influence. On the other hand, the retail sukuk SR-012 factors, the price and yield of retail sukuk SR-012, have a significant negative impact on the demand for retail sukuk.
IMPLIKASI PROGRAM RUMAH GEMILANG INDONESIA LAZ AL-AZHAR PERWAKILAN JAWA TIMUR TERHADAP KESEJAHTERAAN ALUMNI Nur Sayuta, Rizqi Bhakti; Ajeng Kartika Galuh
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.02

Abstract

This research aims to determine the implications of Rumah Gemilang Indonesia, which is an empowerment program from LAZ Al-Azhar representative of East Java of alumni welfare. In this research, quantitative methods are used with a multiple linier regression approach which uses classical assumpsion tests in the form of normality tests, heteroscedasticity tests, and muticollinearity tests. This research examined 50 alumni data from Rumah Gemilang Indonesia. In this research, it shows that the education variable and the income variable have a simultaneous effect based on the F tests, and have a partial effect based on the T tests, and show that the percentage of influence of the education variable and the walfare variable is 80,6% (R-Square) while it is 19,6% the other is influenced by other variables not examined in this study. In general, this research shows that Rumah Gemilang Indonesia is able to make alumni prosperous so that LAZ Al-Azhar as a zakat amil institution that owns the program plays a maximum role. This research complements previous research by using quantitative methods so that the implocations of LAZ Al-Azhar can be seen and taken into account as a matter of more precise with numbers and calculations using the SPSS 25 data processing application
FAKTOR YANG MEMPENGARUHI MINAT BERKUNJUNG MASYARAKAT PADA DESTINASI WISATA HALAL DI PROVINSI NUSA TENGGARA BARAT Nisa, Khairun; Muttaqin, Aminnullah Achmad
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.09

Abstract

Halal tourism is a new icon of tourism development that must be developed and requires attention, because it is expected to invite and attract tourists, both domestic and foreign tourists. The predicate of halal tourism or halal tourism is synonymous with the name West Nusa Tenggara, the potential for halal tourism owned by the province of NTB is very large. This study aims to determine the effect of perception, understanding and income on public interest in visiting halal tourist destinations in West Nusa Tenggara. This study uses quantitative research by collecting data through distributing questionnaires to 152 respondents. the data collected will be analyzed using Ordinal logistic Regression analysis. The results showed that the perception, understanding and income of the community had a positive and significant effect on the interest in visiting halal tourist destinations
ANALISIS TRANSPARANSI DAN AKUNTABILITAS PADA LEMBAGA AMIL ZAKAT TERHADAP LOYALITAS MUZAKKI Adama, Muhamad; Burhan, Umar
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.13

Abstract

Analysis of Transparency and Accountability at Amil Zakat Institutions on Muzakki Loyalty (Perception Study at BAZNAS Depok City). This study aims to analyze the influence of each variable, namely the effect of transparency and accountability of Amil Zakat institutions on muzakki loyalty. Lembaga Amil Zakat as a non-profit organization needs to focus on institutional transparency and accountability to increase muzakki loyalty. In this study, data was collected through probability sampling questionnaires. The respondents of this study were muzakki or those who paid their zakat through the Depok City Baznas. The analysis technique used is logistic regression analysis. The results of this study show that two independent variables, namely transparency and accountability, have a positive effect on muzakki loyalty. This means that the higher the transparency and accountability of the institution, the higher the loyalty of the muzakki.
DETERMINAN KEPUTUSAN PEMBAYARAN ZAKAT MENGGUNAKAN E-COMMERCE DI KOTA MALANG Zahirah, Ishmah; Sri Muljaningsih
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.06

Abstract

The economic imbalance in Indonesia, if not given attention, has the potential to increase, worsening economic growth conditions. Zakat Infaq Shadaqah (ZIS), as an instrument of wealth redistribution in the sharia economy, has the potential to overcome this problem, but currently there is a gap between the potential and realization of ZIS, especially regarding the collection of funds which is not yet optimal. To overcome this problem, this research aims to analyze the factors that influence the decision to pay ZIS via Shopee and Tokopedia, the two largest e-Commerce platforms that provide digital ZIS payment services. The factors analyzed include digital financial literacy, promotion, demographics, and preferences in e-Commerce. This research uses quantitative methods with multinomial logistic regression using SPSS 24. The research population is residents of Malang City, with a sample of 100, taken using a purposive sampling method. The results of the analysis show that the factors age, digital financial literacy, promotion, e-commerce, ZIS preferences are proven to have a significant influence on the Platform Decision to fulfill ZIS in e-Commerce. Furthermore, this research finds that there is an insignificant influence of education level and gender.
ANALISIS PENGARUH ZAKAT PRODUKTIF TERHADAP KESEJAHTERAAN DAN PENDAPATAN USAHA MUSTAHIK MENGGUNAKAN METODE CIBEST Putri, Yuniar Mualidyana; Paksi, Girindra Mega
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.07

Abstract

Various efforts and policies that have been implemented have not had a significant and effective impact on overcoming the problems of poverty and wealth inequality. Productive zakat has the potential to alleviate poverty through financial support to micro businesses to improve their welfare. This research aims to analyze the influence of productive zakat on improving the economy and welfare of mustahik using the CIBEST method. This research uses a descriptive quantitative approach with CIBEST model analysis techniques and statistical tests of research instruments (Validity, Reliability and Paired T-Test) to look for changes in the level of welfare in 31 mustahik LAZ YASA, LAZNAS YDSF and LAZNAS DT Peduli Malang City. The results of this research concluded that productive zakat has a positive effect on the level of welfare of mustahik. The productive zakat program has succeeded in improving the welfare of mustahik in Malang City, both materially and spiritually. Mustahik experienced an increase in average income of 75%, while for spiritual mustahik it increased by 8.53%. The number of mustahik in the prosperous category increased by 13%, while in the material poor category it decreased by 13%, in the spiritual poor and absolute poor categories by 0%.
ANALISIS PENGARUH NET OPERATING MARGIN, NON-PERFORMING FINANCING, CAPITAL ADEQUACY RATIO DAN KUALITAS AKTIVA PRODUKTIF TERHADAP PROFITABILITAS BANK UMUM SYARIAH Rahma Agis Fabiolla; Yenny Kornitasari
Islamic Economics and finance in Focus Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2024.03.03.01

Abstract

The role of banks in generating profits has a high impact on the growth and development of sharia inclusion. The low profitability of Islamic banks compared to conventional banks indicates that the bank’s performance is poor. This study aims to analyze the influence of Net Operating Margin (NOM), Non Performing Finance (NPF), Capital Adequacy Ratio (CAR), and Productive Asset Quality affect on the profitability of Islamic banks in Indonesia (ROA). Using secondary time series data from OJK financial reports for January 2018 to April 2023, researchers used multiple linear regression analysis with SPSS24 software. Results indicate that NOM and NPF have a partially positive impact on ROA, while CAR and KAP shows no significant partial effect.   Kata kunci: Profitabilitas; Bank umum syariah; ROA; NOM; NPF; CAR; KAP

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