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<![CDATA[DETERMINAN PENGGUNAAN PINJAMAN ONLINE SYARIAH DI INDONESIA ]]>
<![CDATA[Widya, Eka Arista]]>;
<![CDATA[Pimada, Laila Masruro]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 3 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.03.01
<![CDATA[Based on Fintech Lending Statistical data 2020 – 2022 published by Otoritas Jasa Keuangan, the growth value of sharia online loans in Indonesia is still far behind compared to conventional online loans. However, when viewed from a consumer protection perspective, Islamic online loans have many advantages over conventional online loans. The advantages in terms of consumer protection can be an opportunity for the development of Islamic online loans in Indonesia, so that research on the factors that influence people to use Islamic online loans is important to study. This study aims to identify what factors influence the use of Islamic online loans in Indonesia. As for this research, it is only focused on sharia online loans, where loan funds are used for consumptive activities. This research is quantitative research. There are 100 samples of respondents who are at least 17 years old with the condition that they have used or applied for funds on an online sharia loan with the aim of fulfilling consumption at least once. By using SPSS software, method applied is factor analysis. Research shows that the use of sharia online loans in Indonesia is influenced by Islamic Financial Literacy factors, Debt Perception factors and Risk Perception factors.]]>
<![CDATA[KONSUMSI AL-GHAZALI: PENGGUNAAN PAYLATER UNTUK KEBUTUHAN ATAU KEINGINAN? ]]>
<![CDATA[Annisa, Raihan Cahya]]>;
<![CDATA[Fadli, Faishal]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 3 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.03.10
<![CDATA[The research aims to find out whether the perceived ease of use, lifestyle, and income factors influence the use of paylater and their influence towards the consumptive behavior of Gen Z in Malang City. This research will also prove al-Ghazali's theory of consumption regarding whether the use of this paylater is used for needs or just desires. The analytical method used in this study is partial least squares for data processing and analysis. The results of this study indicate that two factors significantly influence interest in using paylater, namely perceived ease of use and lifestyle. In addition, this study also found that the use of paylater has an impact on consumptive behavior. The findings have implications for both practitioners and researchers, for looking at Gen Z consumptive behavior and its relation to Al Ghazali's theory of consumption. ]]>
<![CDATA[ANALISIS PENGARUH RELIGIUSITAS TERHADAP WILLINGNESS TO VOLUNTEER (STUDI PADA 3 NEGARA: INDONESIA, NIGERIA DAN MESIR) ]]>
<![CDATA[al latif ms., andi aziz]]>;
<![CDATA[Widiyanti, Dwi Retno]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 3 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.03.02
<![CDATA[This study aims to determine the effect of religiosity on the level of willingness to volunteer among the people of Indonesia, Nigeria and Egypt. The data used is survey data from the World Value Survey (WVS) Wave 7 which was held around 2017 to 2021 and published in 2022, using a purposive sampling technique and filtered using the Isaac and Michael calculation formula. This research is a descriptive quantitative research using multinomial logistic regression analysis technique using secondary data types. From the results of data analysis, it was found that the religiosity variable has a significant effect on the probability of a person's willingness to volunteer at philanthropic institutions in each of the countries that are the research targets, namely Indonesia, Nigeria and Egypt. Thus, the practical implications of this research are as a form of reference for stakeholders as material for consideration and evaluation in policy making to optimize the level of charity activity in philanthropic organizations in these countries in terms of the volunteer aspect and its relation to religiosity.]]>
<![CDATA[ANALISIS PENGARUH ANALISA FUNDAMENTAL DAN RISIKO SAHAM DALAM MENENTUKAN KEPUTUSAN INVESTASI SAHAM JANGKA PENDEK ATAU JANGKA PANJANG: STUDI KASUS PADA 3 SEKTOR UNGGULAN DI BEI ]]>
<![CDATA[Respati Adimas Gumilang]]>;
<![CDATA[Vietha Devia SS]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.04.05
<![CDATA[The capital market as a forum for investors in trading stock securities has an important role in the economy. When making a long short term investment decision, investors must pay attention to several aspects as well as investment risks and the fair price of shares. Public knowledge of the capital market is still low so that it becomes a problem in making a long short term investment decision. This study aims to find out how the influence of fair stock value, risk tolerance, and risk perception variables on long-term or short-term investment decisions in the financial, industrial, and non-primary consumer goods sectors. This study used 133 populations of which 114 of the 133 populations invested in the financial sector, 100 invested in the industrial sector and 102 invested in the non-primary consumer goods sector. This study uses a quantitative research approach. The data analysis method used uses multiple linear regression analysis techniques. The research results obtained show that in the long run it is necessary to determine the fair price of shares when making investment decisions so as not to experience losses in the future, while in the short term it is not necessary to determine the fair price of shares but to pay attention to sentiments related to the country's economic conditions. It is also hoped that investors will pay attention to the aspect of risk tolerance so that investors do not make decisions only from the investors' thoughts and perspectives]]>
<![CDATA[ANALISIS PENGARUH HALAL AWARENESS, HARGA, PENDAPATAN, DAN RELIGIUSITAS TERHADAP KONSUMSI SKINCARE LOKAL (STUDI PADA GEN-Z MUSLIM KOTA SURABAYA) ]]>
<![CDATA[Wijanarko, Zhafarina Shabhati]]>;
<![CDATA[Aminullah Achmad Muttaqin]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 3 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.03.15
<![CDATA[As the times progress, many people are now starting to realize the importance of using halal products. Author see that there is a price variable gap in previous research on skincare consumption. In addition, previous research has never been done with Generation Z objects, and including the religiosity variable. So, in this study the author will examine whether halal awareness, price, income and religiosity factors can affect consumption of local skincare in terms of its suitability in Islamic consumption patterns. This research uses the Structural Equation Modeling (SEM) method with the Partial Least Squares (PLS) approach to develop a behavior model for local skincare consumption. The results of this study are that the price and income variables are influential but not significant. while the halal awareness variable and the level of religiosity have a positive and significant effect on local skincare consumption.]]>
<![CDATA[EFEKTIFITAS PEMBERDAYAAN INFAQ DAN SHADAQAH DALAM MENGEMBANGKAN PENDIDIKAN ANAK YATIM (Program My HEART for Yatim di LAZ Al-Azhar) ]]>
<![CDATA[Leviandra Thariq Al Qasthari]]>;
<![CDATA[Ajeng Kartika Galuh]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.02.02
<![CDATA[This study is to determine the effectiveness of the "My HEART for Yatim" program which is one of the programs at LAZ Al-Azhar in developing orphan education. The research method used is qualitative with a case study approach. Data collection techniques used include interviews, observation, and documentation. The results showed that the program was very effective in developing orphan education. This program provides financial and non-financial support to orphans, such as basic needs of orphans, character and creed building, and skills training. The program also engages the local community for regular programs in providing support and assisting in running the program. The empowerment of infaq and shadaqah succeeded in supporting orphans and believing the community in donating to the program. The My HEART for Yatim program also provides opportunities for orphans to grow and develop optimally." My HEART for Yatim" which prioritizes the empowerment of infaq and shadaqah makes the program effective in improving the quality of education for orphans. With this program, it provides opportunities for orphans to grow and develop optimally.]]>
<![CDATA[Pengaruh PENGARUH DIVERSIFIKASI PENDAPATAN, UKURAN BANK DAN KOMPETISI BANK TERHADAP PROFITABILITAS BANK UMUM SYARIAH ]]>
<![CDATA[Paramitha, Devi]]>;
<![CDATA[Prasetya, Ferry]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.02.04
<![CDATA[The bank carries out diversification activities to increase income and reduce risks arising from the main activities of the bank as well as being one of the bank's strategies to strengthen banking competitiveness supported by bank size. The market share of Islamic banks which has been low for the last 31 years is still low at around 7%, besides that the growth of fintech which continues to increase makes Islamic banks a good strategy to maintain their performance. This study uses the technique of multiple linear regression analysis of panel data, on 10 Indonesian BUS for the 2015-2021 quarter period. We found that income diversification had an effect on the profitability of Islamic commercial banks for the 2015-2021 period as measured by ROA and ROE, while bank size had an effect on ROA and had no effect on ROE while banking competition had no effect on profitability of Islamic bank and the structure of Islamic bank is in monopolistic market structure.]]>
<![CDATA[PENGARUH RASIO PROFITABILITAS TERHADAP PERUBAHAN HARGA SAHAM PERUSAHAAN YANG TERDAFTAR DI JII ]]>
<![CDATA[Rafli Dilazare Wicaksono]]>;
<![CDATA[Kornitasari, Yenny]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.02.08
<![CDATA[Investors before carrying out investment activities need to analyze the company's financial statements in order to see the company's performance and estimate the company's stock price movements with the aim of benefiting from investment activities. This study aims to determine the effect of Return On Asset, Return On Equity, Earning Per Share and Net Profit Margin on changes in stock prices in companies listed on the Jakarta Islamic Index. The population used in this study are companies that have been listed for 4 consecutive years during the 2018-2021 period on the Jakarta Islamic Index. The data used is secondary data by purposive sampling. The data analysis method in this study is a hypothesis. From this study, it was found that Return On Asset partially had a positive and significant effect on stock prices. While Return On Equity, Earning Per Share and Net Profit Margin partially have a negative and insignificant effect on stock prices. So that from this research, the Return On Asset ratio can be used by investors as a reference to see future stock price movements and the Return On Equity, Earning Per Share and Net Profit Margin ratios cannot be used to analyze stock price movements.]]>
<![CDATA[PENGARUH INFORMATION QUALITY, APPS AESTHETICS, ISLAMIC PHYSICAL ATTRIBUTES TERHADAP DIGITAL OPENING ACCOUNT BANK SYARIAH DI INDONESIA YANG DIMEDIASI OLEH TRUST OF CONSUMER ]]>
<![CDATA[Royyanto, Afif]]>;
<![CDATA[Kornitasari, Yenny]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.04.11
<![CDATA[This study investigates the effects of information quality, app aesthetics, and Islamic physical attributes on consumer trust in digital opening account services offered by Sharia banks in Indonesia. The results suggest that only two factors play a significant role in shaping consumer trust and that trust acts as a mediator in the relationship between these factors and consumer adoption of digital banking services in the Sharia banking sector in Indonesia. This research used single equation model and partial least square on statistics for processing the data and analysis. The findings have implications for both practitioners and researchers, highlighting the importance of information quality , app aesthetics, and Islamic physical attributes in building consumer trust in digital banking services in the Islamic banking finance industry.]]>
<![CDATA[PENGARUH PENDAYAGUNAAN ZAKAT PRODUKTIF TERHADAP KESEJAHTERAAN MUSTAHIK ]]>
<![CDATA[Moh Afiq Amiruddin]]>;
<![CDATA[Muttaqin, Aminullah Achmad]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/ieff.2023.02.02.14
<![CDATA[This study aims first to analyze the level of mustahik welfare provided by BAZNAS Tulungagung Regency, then the second to analyze the effect of independent variables, namely the adequacy of zakat funds, guidance and supervision, as well as the allocation of zakat utilization on the dependent variable, namely mustahik welfare. The approach method used is quantitative and the data used is primary data obtained from the field through questionnaires. This study used a sample of 80 respondents from 143 mustahik who received productive zakat assistance by BASNAZ Tulungagung Regency. The data was tested using validity and reliability tests. Then descriptive analysis is carried out and tools are used to analyze from the data obtained from multiple linear regression analysis. Meanwhile, to test the hypothesis, a probability value test tool is used that will measure the correlation probability value. The results showed that the adequacy of funds, guidance and supervision, as well as the allocation of zakat utilization all have a significant influence on the welfare of mustahik.]]>
