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<![CDATA[FAKTOR-FAKTOR YANG MEMPENGARUHI PREFERENSI MAHASISWA EKONOMI ISLAM UNTUK BEKERJA DI LEMBAGA KEUANGAN SYARIAH ]]>
<![CDATA[johan bagus]]>;
<![CDATA[Ika Khusnia Anggraini]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 1 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[The existence of this study aims to determine whether there is influence from knowledge of Islamic finance, spiritual motivation, and financial rewards on the preferences of Islamic economics students to work in Islamic financial institutions. This research only focuses on students of Islamic economics, Faculty of Economics and Business, Universitas Brawijaya, class of 2014-2019. This study uses a quantitative approach where data is obtained through a questionnaire using a Likert scale. There were 90 sample respondents consisting of 49 male respondents and 41 female respondents. Data testing was carried out using the help of SPSS software, the method applied was multiple linear regression analysis. The results of the study show that knowledge of Islamic finance and spiritual motivation have an influence on preferences for working in Islamic financial institutions. Meanwhile, financial income has no effect on preferences to work in Islamic financial institutions. Meanwhile, knowledge of Islamic finance, spiritual motivation, and financial rewards explains 45.1% of the preference for working in Islamic financial institutions.]]>
<![CDATA[ANALISIS PENGARUH KEPUASAN, TRANSPARANSI DAN AKUNTABILITAS TERHADAP LOYALITAS MEMBAYAR INFAQ DAN SEDEKAH (Studi Pada Lembaga Pengelola Zakat “PAY&DoIT” Kota Jakarta) ]]>
<![CDATA[Alvin Nugraha]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 1 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[The potential for ziswaf in Indonesia continues to increase every year, but the amount of ziswaf collected is insignificant compared to the potential for ziswaf which reaches 327.6 trillion rupiahs. As non-profit organizations, zakat management institutions need to pay attention to several variables so that donors are willing to spend part of their wealth, and this will create donor loyalty. This study uses satisfaction, transparency, and accountability variables to determine whether these variables affect donor loyalty. In this study, data were collected through questionnaires with purposive sampling. Respondents in this study amounted to 50 respondents who donated their wealth through the zakat management institution "PAY&DoIT" for 2x or more in the last 6 months. The analysis technique used is multiple linear regression analysis. The results of this study indicate that the variables of satisfaction and transparency have a positive and significant influence on donor loyalty. Meanwhile, the accountability variable has a positive but not significant effect on donor loyalty]]>
<![CDATA[ANALISIS PENGARUH ZAKAT DAN INVESTASI TERHADAP PENDAPATAN PER KAPITA 2020-2021 ]]>
<![CDATA[Muhtadin Widyoko]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 1 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[Income per capita is the average annual income of the community. Community welfare can be viewed through the per capita income of the community in a certain area. From a macroeconomic point of view, investment is able to drive growth rather than people's per capita income. This is done by adding gross fixed capital in a region until it reaches the stage of full employment. In addition to investment, zakat from an Islamic economic perspective is also felt to be able to increase people's welfare. Zakat is a socio-economic instrument that creates prosperity through an equal distribution process. Central Java as one of the provinces on the island of Java has the lowest per capita income on the island of Java. This research was conducted to review the effect of investment and zakat in Central Java on income per capita. Through a time series research process that takes 2020-2021 and also a cross section with a sample of 32 cities and regencies, the aim is to review the effect of zakat and investment on each region in Central Java. Apart from the zakat variable through the micro dimension of NZI and the macro dimension of NZI and investment, this research uses a control variable in the form of government social assistance (Bansos) originating from the APBD of each region in Central Java. The results of this study indicate that simultaneously the investment variable, zakat which is divided into the micro dimension NZI and the macro dimension NZI, and also the control variable in the form of social assistance has a significant influence on income per capita in Central Java in 2020-2021. From this, investment and zakat are considered quite effective in increasing the per capita income of the people of Central Java. Keywords: IZN Micro Dimensions, IZN Macro Dimensions, Investment, Social Funding.]]>
<![CDATA[FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUDHARABAH PADA PERBANKAN SYARIAH DI INDONESIA PERIODE 2010-2020 ]]>
<![CDATA[Sintya Safhira]]>;
<![CDATA[Moh. Athoillah]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[Mudharabah financing is a business contract based on profit sharing, where one party is the owner of the capital (shahibul maal) and the other party runs the business (mudharib). This study aims to find out how the influence of FDR, NPF, CAR, and Profit Sharing Rates on Mudharabah Financing in Islamic Commercial Banks in Indonesia for the 2010-2020 period. The data used in this research is quarterly time series data from March 2010 – December 2020. The analytical tool used in this research is multiple linear regression using quantitative methods. The results showed that the FDR variable had a significant positive effect on mudharabah financing. The NPF variable has a significant positive effect on mudharabah financing. The CAR variable has a significant positive effect on mudharabah financing. Profit sharing level variable has a significant negative effect on mudharabah financing.]]>
<![CDATA[IMPLIKASI SOSIAL EKONOMI PONDOK PESANTREN TERHADAP EKONOMI MASYARAKAT: Studi di Pondok Modern Darussalam Gontor Putri di Kec. Mantingan, Kab. Ngawi, Jawa Timur ]]>
<![CDATA[Alfiani Bintang Fajari]]>;
<![CDATA[Asfi Manzilati]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[Humans are social creatures so each individual will always interact with one another in meeting their needs. This interaction has a socio-economic impact on other communities. Pondok Modern Darussalam Gontor Putri which is located in Mantingan also interacts with the community which has an impact on its surroundings. Therefore, this research wants to find out how to realize the social economy of Islamic boarding schools to the community's economy. The method used in this research is the case study method. The results of the study found that Islamic boarding schools also had an impact on the socio-economic community. The economic impact arising from the interaction between the community and the cottage is to create jobs and generate a desire to open businesses such as lodging, stalls, and laundries to meet the needs of migrants related to the cottage. Apart from that, the social relationship between Pondok and pesantren has more impact on education and the religious community with the dedication carried out by ustadz and ustadzah Gontor at the TPA and MI which were founded by Pondok Gontor. The relationship between Pondok Gontor and the community has also experienced several problems regarding Pondok's land being used by the community. In their settlement, they consult with each other and then settle it legally if there is no common ground for agreement ]]>
<![CDATA[PENGARUH HALAL AWARENESS, HARGA, DAN IKLAN TERHADAP KEPUTUSAN PEMBELIAN KOBER MIE SETAN DI SURABAYA ]]>
<![CDATA[Narisa Az-Zahra]]>;
<![CDATA[Ika Khusnia Anggraini]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[Indonesia's Muslim population reaches 86.9% of the total population who in their daily life must carry out consumption. As an Islamic consumer, principles must be implemented in order to achieve blessings, such as consuming products that are guaranteed to be halal. The government has set a target for halal food in Indonesia to be number one in the world by 2023. The current condition is that there are still many products that do not have a halal label, such as Kober Mie Setan, but sellers provide advertisements and the prices are relatively cheap. Therefore, consumers are willing to queue to buy the food because of the unusual naming of the menu. The purpose of this study was to determine the effect of halal awareness, price, and advertising on purchasing desicion at Kober Mie Setan in Surabaya. This research is a quantitative study using the PLS-SEM analysis technique. The results show that halal awareness has no significant effect on purchasing decisions for Kober Mie Setan in Surabaya. Prices and advertising partially have a significant effect on purchasing decisions for Kober Mie Setan in Surabaya]]>
<![CDATA[ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MAHASISWA DALAM BERINVESTASI SUKUK NEGARA ]]>
<![CDATA[DEANDRA RIZKY ADITYA]]>;
<![CDATA[Asfi Manzilati]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 1 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[Sukuk is one of the sharia -based investment instruments that are experiencing an increase in Indonesia. This is inseparable from the start of the public's consciousness of investing, one of which is through sukuk especially the country's sukuk. From this phenomenon, an analysis is needed to find out the factors influence the interest of Islamic economics students at Brawijaya University in investing in the country's sukuk because besides being an Indonesian society, the Islamic Economics students of Brawijaya University also studied about sharia products in lectures so that they are relevant when research is conducted. The purpose of this research is to determine the effect both partially and simultaneously from the motivational factor, knowledge factors, and risk preference factors for student investment interest in sukuk. Technique Data collection using incidental sampling techniques or non probability sampling because of students what is studied must meet the requirements to have taken the Fiqh Muamalat course not yet clearly known. Data collection was obtained by distributing questionnaires to 82 Islamic economics students through google form. The statistical methods used are descriptive analysis and logistical regression analysis with testing hypothesis uses statistical tests t. The results of this study indicate that simultaneously, motivational factors, knowledge, and risk preferences have a positive effect on the interests of students to invest in sukuk. However, partially only motivational factors]]>
<![CDATA[PENGARUH LITERASI KEUANGAN, PERSEPSI KEMUDAHAN, PERSEPSI MANFAAT TERHADAP MINAT BERINVESTASI PADA REKSA DANA SYARIAH (STUDI PADA GENERASI MILENIAL INDONESIA) ]]>
<![CDATA[Shindu Dwitama Ratmoro]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[Indonesia is a country with the largest Muslim population in the world. It makes Indonesia have a great potential to develop their Islamic finance, especially in the field of Islamic investment. But Indonesia has not been able to maximize its potential. One of the sharia investments instruments that shows positive developments in Indonesia is sharia mutual funds. This study aims to examine factors that affect the intention to invest in Islamic mutual funds on Indonesian millennial generation. The method used in this research is quantitative with logistic regression analysis. The results of this study indicate that partially and simultaneously the variables of financial literacy, perceived ease of use, and perceived benefit have a significant and positive effect on the intention to invest in Islamic mutual funds. These results are in accordance with the hypothesis formulated in this study]]>
<![CDATA[ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PREFERENSI NASABAH DALAM MEMILIH PRODUK PEMBIAYAAN MURABAHAH ]]>
<![CDATA[aulia rachman maulana]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[This study aims to identify the factors that influence customer preferences in using murabahah financing products at Bank Muamalat Kota Batu. The factors studied in this research are service quality and financing product quality. The population of this study is the customers of Bank Muamalat Kota Batu. The sample size used in this research is 50 people selected using purposive sampling. The research method used is descriptive quantitative. The research data is primary data obtained from distributing questionnaires. The questionnaire is designed using a Likert scale of 1-5. The collected data is then analyzed using validity test, reliability test, assumption test, and multiple linear regression analysis with the help of SPSS statistical calculation application. The results show that service quality and financing product quality have a significant influence on customer preferences in using murabahah financing products. The better the service quality and financing product quality, the higher the customer preference in using murabahah financing products. Therefore, Bank Muamalat Kota Batu needs to pay attention to and improve the service quality and financing product quality to meet customer needs and increase customer preferences in using murabahah financing products.]]>
<![CDATA[DETERMINAN SURPLUS UNDERWRITING DANA TABARRU’ PADA PT PRUDENTIAL SHARIA LIFE ASSURANCE PERIODE 2016-2021 ]]>
<![CDATA[Dita Indah Safitri]]>;
<![CDATA[Yenny Kornitasari]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 1 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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<![CDATA[This research is motivated by the many cases of conventional insurance defaults, which have contributed to instilling a negative stigma against sharia insurance. In fact, in the process, Islamic insurance uses underwriting management of tabarru funds in its operational procedures to minimize default. By using Prudential Syariah as a research object for the 2016-2021 period, this study aims to determine the determinants of the underwriting surplus of tabarru funds. The research utilizes a quantitative approach with multiple linear regression analysis models using a purposive sampling method. The results of the study reveal: (i) the underwriting surplus of tabarru' funds is negatively and significantly affected by the net contribution; (ii) the underwriting surplus of tabarru' funds is negatively and significantly affected by claims expenses; (iii) the underwriting surplus of tabarru' funds is positively and significantly influenced by investment returns; (iv) the underwriting surplus of tabarru' funds was negatively and significantly affected by the BI-7 Day-RR. Through these results, Prudential Syariah is expected to maintain the stability of the underwriting surplus of tabarru' funds through suitable investment by considering the influence factors. The acceptance process also needs to be more selective to minimize risks so that defaults can be avoided in the future. This research may contribute to being a reference for decision-making regarding the underwriting surplus of tabarru funds and add concerns related to underwriting management.]]>
