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Jurnal Ekonomi Syariah Teori dan Terapan
Published by Universitas Airlangga
ISSN : 24071935     EISSN : 25021508     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews.
Arjuna Subject : -
Articles 1,089 Documents
 104   105   106   107   108 
Corporate Image As Mediator of Islamic Marketing Mix to Intention in Becoming a Customer of Bank Syariah Indonesia in East Java Hani Rosanti; Yayuk Sri Rahayu
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 3 (2023): Mei-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20233pp305-321

Abstract

ABSTRACT This study aimed to determine the effect of Islamic marketing mix on the intention of the people of East Java to become BSI customers mediated by corporate image. This research method used was quantitative research. The sampling technique in this study used a convenience sampling technique. The research sample was 175 respondents. Respondents were taken from the people of East Java, both those who have become BSI bank customers and those who have the potential to become BSI bank customers. Data was collected by distributing questionnaires. Researchers used questionnaires on the Google form and conducted interviews with some people in the East Java region with the aimed of obtaining information. The results of the study show that there is no influence between the Islamic marketing mix on the intention to become a customer which is mediated by corporate image. This is because the public's intention in becoming customers of BSI bank is mostly motivated by factors or encouragement from oneself, agency obligations, products offered by BSI bank in accordance with community needs, and so on. So, the corporate image is still not able to mediate the Islamic marketing mix on the intention in becoming a customer of BSI bank in East Java. The Islamic marketing mix can influence people's intention in becoming customers, but not the Islamic marketing mix which is mediated by corporate image. The results of this study should be used by BSI bank to improve its corporate image which is a merger of three banks in order to attract the intention of the people of East Java to become customers at BSI bank. Keywords: Corporate Image, Islamic Marketing Mix, Public Intention, Customers ABSTRAK             Penelitian ini bertujuan untuk mengetahui pengaruh Islamic marketing mix terhadap minat masyarakat Jawa Timur menjadi nasabah BSI yang dimediasi oleh citra perusahaan. Metode penelitian ini menggunakan penelitian kuantitatif. Teknik pengambilan sampel dalam penelitian ini menggunakan teknik convenience sampling. Sampel penelitian berjumlah 175 responden. Responden diambil dari masyarakat wilayah Jawa Timur, baik yang sudah menjadi nasabah bank BSI maupun yang berpotensi menjadi nasabah bank BSI. Data dikumpulkan melalui penyebaran kuesioner. Peneliti menggunakan kuisioner pada google form serta melakukan wawancara kepada sebagian masyarakat wilayah Jawa Timur yang bertujuan untuk mendapatkan keterangan atau informasi. Hasil penelitian menunjukkan bahwa tidak terdapat pengaruh antara Islamic marketing mix terhadap minat menjadi nasabah yang dimediasi oleh citra perusahaan. Hal ini dikarenakan minat masyarakat menjadi nasabah bank BSI sebagian besar masih dilatarbelakangi oleh factor atau dorongan dari diri sendiri, kewajiban instansi, produk yang ditawarkan bank BSI sesuai dengan kebutuhan masyarakat, dan lain sebagainya. Jadi, citra perusahaan masih belum dapat memediasi Islamic marketing mix terhadap minat menjadi nasabah bank BSI di Jawa Timur. Islamic marketing mix dapat mempengaruhi minat masyarakat menjadi nasabah, namun tidak dengan Islamic marketing mix yang dimediasi oleh citra perusahaan. Hasil penelitian ini dapat digunakan oleh bank BSI untuk meningkatkan citra perusahaannya yang termerger dari tiga bank agar dapar menarik minat masyarakat Jawa Timur menjadi nasabah di bank BSI.  Kata Kunci: Citra Perusahaan, Islamic Marketing Mix, Minat Masyarakat, Nasabah REFERENCES Azizuddin, Maksum & Fikriah. (2020). Bauran pemasaran dan minat beli konsumen produk kosmetik Wardah dalam perspektif Islam. JIEMAR: Journal of Industrial Engineering & Management Research, 1(2), 111–123.doi:10.7777/jiemar.v1i2.45 Abuznaid, S. (2012). Islamic marketing: Addressing the Muslim Market. An-Najah University Journal of Reseach-B(Humanities). 26(6), 1473-1503. doi:10.35552/0247-026-006-007 Ajzen, I. (2011). The theory of planned behaviour: Reactions and reflections. Psychology and Health, 26(9), 1113–1127. doi:10.1080/08870446.2011.613995 Alma, B., & Juni Priansa, D. (2014). Manajemen bisnis syariah (Ed. Revisi). Bandung: Alfabeta. Anuraga, G., Sulistiyawan, E., & Munadhiroh, S. (2017). Structural equation modeling – Partial least square untuk pemodelan indeks pembangunan kesehatan masyarakat (Ipkm) di Jawa Timur. Proceeding of Seminar Nasional Matematika Dan Aplikasinya, 257-263. Ardianto, E. (2011). Handbook of public relation (1st Edition). Bandung: Simbiosa Rekatama Media. Asnawi, N., & Fanani, M. A. (2017). Pemasaran syariah (1st Edition). Jakarta: Rajawali Pers. Nirmala, I, A., & Yayuk, S, R. (2022). Pengaruh Islamic marketing mix terhadap keputusan manjadi nasabah dengan minat sebagai variabel mediasi. Jurnal Tabarru'"¯: Islamic Banking and Finance, 5(2), 326-337. doi:10.25299/jtb.2022.vol5(2).9430 Bulan, S. (2018). Bauran pemasaran dan pengaruhnya terhadap minat nasabah untuk menabung di Tampan Bank Sulselbar. Jurnal Minds: Manajemen Ide dan Inspirasi, 5(1), 39–52. doi:10.24252/minds.v5i1.4644 Firdaus, S., Oktarienza, T., & Sanjaya, V. F. (2022). Pengaruh marketing mix terhadap minat beli pakaian muslim di Butik Cordi dalam perspektif Islam. JEMA: Jurnal Ekonomi, Manajemen dan Akuntansi, 3(1). Ghozali, I. (2013). Aplikasi analisis multivariate dengan program IBM SPSS 21 Update PLS Regresi (7th Edition). Semarang: Badan Penerbit Universitas Diponegoro. Gunara, T., & Sudibyo, U. H. (2007). Marketing Muhammad. Bandung: Madania Prima. Huda, N., Hudori, K., Fahlevi, R., Badrussa'diyah, Mazaya, D., & Sugiarti, D. (2017). Pemasaran Syariah (1st Edition). Depok: Kencana. Khan, A. A. (2020). Pengaruh Bauran pemasaran terhadap minat masyarakat dalam pengajuan kredit di Bank Jatim cabang Utama Surabaya. IDEI: Jurnal Ekonomi & Bisnis, 1(1), 49–59. doi:10.38076/ideijeb.v1i1.5 Kotler, P., & Keller, K. L. (2013). Marketing management. New Jersey: Pearson Prentice Hall Lupiyoadi, R., & A. Hamdani, D. (2009). Manajemen pemasaran jasa (2nd Edition). Jakarta: Salemba Empat. Merik, L., & Akkas, N. (2021). Analysis of the effect of marketing mix on consumer decisions to use service services at Anugerah Perdana Palu Official Workshop. IJHESS: International Journal of Health, Economics, and Social Sciences, 3(4), 274-281.doi:10.56338/ijhess.v3i4.1901 Mujahidin, A. (2017). Hukum perbankan syariah (2nd Edition). Depok: PT RajaGrafindo Persada. Oktaviana, D., Suseno, Y. D., & Susanti, R. (2016). Analisis pengaruh tingkat kebutuhan dan bauran pemasaran terhadap keputusan pembelian dengan citra merek sebagai variabel mediasi. Jurnal Ekonomi Dan Kewirausahaan, 16(2), 197–209. Prihandini, K. H. (2018). Pengaruh citra perusahaan dan kualitas produk terhadap minat nasabah dalam menggunakan produk pembiayaan mudharabah pada BMT Nurul Jannah Petrokimia Gresik. (Skripsi Sarjana, Universitas Islam Negeri Sunan Ampel Surabaya). http://digilib.uinsby.ac.id/28564/ Purnomo, A. (2021). Pengaruh Islamic marketing mix terhadap minat masyarakat menjadi nasabah bank syariah dengan citra perusahaan sebagai variabel moderating (Studi masyarakat Kota Salatiga). (Sripsi Sarjana, Universitas Islam Negeri Salatiga). http://e-repository.perpus.uinsalatiga.ac.id/10334/ Ravangard, R., Khodadad, A., & Bastani, P. (2020). How marketing mix (7Ps) affect the patients' selection of a hospital: Experience of a low-income country. Journal of the Egyptian Public Health Association, 95(1), 25. https://doi.org/10.1186/s42506-020-00052-z Salis, N., & Solekah, N. A. (2019). Faktor-faktor yang mempengaruhi minat masyarakat Bawean dalam memilih bank Syariah. El Dinar: Jurnal Keuangan dan Perbankan Syari'ah, 7(2), 142-157. doi:10.18860/ed.v7i2.6570 Semaun, S., Rasyid, S. C., Musdalifah, & Rukiah. (2022). Pengaruh karakteristik sharia marketing terhadap minat menabung nasabah di Bank Syariah Indonesia (BSI) KCP Pinrang Syahriyah. DIKTUM: Jurnal Syariah Dan Hukum, 20(1), 19–41. doi:10.35905/diktum.v20i1.2595 Setyowati, A., Djawoto,  & Soekotjo, H. (2020). Effect of service marketing mix on hospital selection mediated with brand image on hospital's outpatients. ijebar:  International Journal of Economics, Business, and Accounting Research, 4(4), 1204-1214. Siregar, L. A. N., & Harahap, I. (2019). Pengaruh bauran pemasaran terhadap loyalitas pelanggan Zoya Cabang Medan dengan brand image sebagai variabel moderating. At-Tawassuth: Jurnal Ekonomi Islam, 4(1), 89-113. doi:10.30829/ajei.v4i1.4088 Sugiyono. (2011). Metode penelitian kuantitatif kualitatif dan R&D. Bandung: Alfabeta Santoso, E., & Rini, R. I. (2020). Analisis pengaruh marketing mix terhadap minat masyarakat membeli sukuk. Al-Iqtishadiyah:Jurnal Ekonomi Syari;ah dan Hukum Ekonomi Syari'ah, 6(2),86-98. doi:10.31602/iqt.v6i2.3244 Tanjung, I. (2021). Analysis of the effect of marketing mix 7p on purchase decisions at sentra snack stores. International Journal of Review Management Business and Entrepreneurship (RMBE), 1(2), 125–133. doi:10.37715/rmbe.v1i2.2421 Tjiptono, F., & Chandra, G. (2016). Service, quality and satisfaction (4th Edition). Yogyakarta: Andi. Tyas, M. A., & Prasetyo, A. (2015). Pengaruh bauran pemasaran terhadap niat menjadi mitra perspektif Islam pada BMT Beringharjo Cabang Madiun. Jurnal Ekonomi Syariah Teori dan Terapan, 1(7), 487-505. doi:10.20473/vol1iss20147pp487-505 Vyona, A. T., & Djuwita, A. (2020). CSR Sampoerna dalam membangun citra positif melalui aplikasi AYO SRC. e-Proceeding of Management, 7(2), 4330–4344. Widyastuti, A. N., Pujiharto, P., Tubastuvi, N., & Santoso, S. B. (2020). The effect of marketing mix on purchase decisions. Jurnal Manajemen Bisnis, 11(2), 163-176. doi:10.18196/mb.11295    
Determinants of Crowdfunder Intention on Using The Crowdfunding-Waqf Model: A Case Study of Kitabisa.Com Applications Anggun Adilah Maharani; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 3 (2023): Mei-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20233pp290-304

Abstract

ABSTRACT   This study aimed to analyze the influence of variable factors in the UTAUT2 (Unified Theory of Acceptance and Use of Technology) model on behavioral intention to use CWM (Crowdfunding-Waqf Model) in the Kitabisa.com application. The population used in this study were active users of the Kitabisa.com application, which are spread throughout Indonesia. Data collection techniques in this study used survey techniques by distributing questionnaires online to 174 respondents. The sampling technique used in this study was purposive sampling, which is a sampling technique with certain criteria. This study used the SEM-PLS analysis technique. The results of this study indicate that the Effort Expectancy (EE) and Habit (HB) variables have a significant positive effect on behavioral intention to use CWM (Crowdfunding-Waqf Model) in the Kitabisa.com application, thus wakif really considers the ease of use of  technology and habits as a determining factor in the adoption of a technology, while 5 other variables, namely Performance Expectancy (PE), Price Value (PV), Social Influence (SI), Hedonic Motivation (HM), and Facilitating Condition (FC) variables have no significant positive effect on behavioral intention to use CWM (Crowdfunding-Waqf Model). The reason of these 5 variables are not significant is because the test results from the Hypothesis Test showed a number that was greater than the significance level of 5% or 0.05. Thus, the dependent variable in the form of Behavioral Intention to Use is only influenced by the Effort Expectancy (EE) and Habit (HB) variables. The contribution of this research is to encourage the policy makers to make policies or laws and regulations that can optimize the benefits of developing the waqf crowdfunding model (CWM) and protect all processes related to the use of productive waqf assets whose funds are collected from the Kitabisa.com application. Keywords: Crowdfunding Waqf Model, Kitabisa.com Application, Unified Theory of Acceptance and Use of Technology, Productive Waqf ABSTRAK Peneltian ini bertujuan untuk menganalisis pengaruh faktor variabel di dalam model UTAUT2 (Unified Theory of Acceptance and Use of Technology) terhadap behvioral intention to use CWM (Crowdfunding-Waqf Model) pada aplikasi Kitabisa.com. Populasi yang digunakan dalam penelitian ini adalah pengguna aktif aplikasi KitaBisa.com yang tersebar di seluruh Indonesia. Teknik pengumpulan data pada penelitian ini menggunakan Teknik survey dengan membagikan kuesioner secara online kepada 174 responden. Jenis pengambilan sampel yang digunakan Purposive sampling yaitu teknik penentuan sampel dengan kriteria tertentu. Penelitian ini menggunakan Teknik analisis SEM-PLS. Hasil penelitian ini menunjukkan bahwa variabel Effort Expectancy (EE) dan variabel Habit (HB) berpengaruh positif signifikan terhadap behvioral intention to use CWM (Crowdfunding-Waqf Model) dalam aplikasi Kitabisa.com, dengan demikian wakif sangat mempertimbangkan kemudahan dalam penggunaan suatu teknologi dan kebiasaan merupakan faktor penentu dalam adopsi suatu teknologi, sementara 5 variabel lainnya yaitu variabel Performace Expectancy (PE), Price Value (PV), Social Influence (SI), Hedonic Motivation (HM), dan variabel Facilitating Condition (FC) tidak berpengaruh positif signifikan terhadap behvioral intention to use CWM (Crowdfunding-Waqf Model). Adapun alasan 5 variabel tersebut tidak signifikan adalah karena hasil pengujian dari Uji Hipotesis menunjukkan angka yang lebih besardari tingkat signifikansi 5% atau 0.05. Dengan demikian, variabel dependen berupa Behavioral Intention to Use hanya dipengaruhi oleh variabel Effort Expectancy (EE) dan variabel Habit (HB) di dalam penelitian ini. Kontribusi dari adanya penelitian ini bagi para policy maker adalah dapat membuat kebijakan atau peraturan perundang-undangan yang dapat mengoptimalkan manfaat dari pengembangan Crowdfunding wakaf model (CWM) dan melindungi segala proses terkait pemanfaatan asset-aset wakaf produktif dan dana yang dikumpulkan dari aplikasi Kitabisa.com. Kata Kunci: Crowdfunding Wakaf Model, Aplikasi Kitabisa.com, Unified Theory of Acceptance and Use of Technology, Wakaf Produktif REFERENCES Alalwan, A. A. (2020). Mobile food ordering apps: An empirical study of the factors affecting customer e-satisfaction and continued intention to reuse. International Journal of Information Management, 50, 28–44. doi:10.1016/j.ijinfomgt.2019.04.008 Alalwan, A. A., Baabdullah, A. M., Rana, N. P., Tamilmani, K., & Dwivedi, Y. K. (2018). Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust. Technology in Society, 55, 100–110. doi:10.1016/j.techsoc.2018.06.007 Darmansyah, Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2020). Factors determining behavioral intentions to use Islamic financial technology: Three competing models. Journal of Islamic Marketing, 12(4), 794–812. doi:10.1108/JIMA-12-2019-0252 Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., & Thiele, K. O. (2017). Mirror, mirror on the wall: A comparative evaluation of composite-based structural equation modeling methods. Journal of the Academy of Marketing Science, 45(5), 616–632.doi:10.1007/s11747-017-0517-x Hapsari, M. I., Bin Mohd Thas Thaker, M. A., Mohammed, M. O., & Duasa, J. (2022). A qualitative investigation into crowdfunding framework as a source of financing for waqf land development. Journal of Islamic Accounting and Business Research, 13(3), 425–443. doi:10.1108/JIABR-10-2020-0311 Henseler, J., Ringle, C. M., & Sinkovics, R. R. (2009). The use of partial least squares path modeling in international marketing. Advances in International Marketing, 20, 277–319. doi:10.1108/S1474-7979(2009)0000020014 Hong, S. J., Thong, J. Y. L., & Tam, K. Y. (2006). Understanding continued information technology usage behavior: A comparison of three models in the context of mobile internet. Decision Support Systems, 42(3), 1819–1834. doi:10.1016/j.dss.2006.03.009 Hsu, C. L., & Lin, J. C. C. (2015). What drives purchase intention for paid mobile apps?-An expectation confirmation model with perceived value. Electronic Commerce Research and Applications, 14(1), 46–57. doi:10.1016/j.elerap.2014.11.003 Kazemi, H., Miller, D., Mohan, A., Griffith, Z., Jin, Y., Kwiatkowski, J., Tran, L., & Crawford, M. (2015). 350mW G-band medium power amplifier fabricated through a new method of 3D-copper additive manufacturing. Proceeding of 2015 IEEE MTT-S International Microwave Symposium, IMS 2015, 36(1), 157–178. doi:10.1109/MWSYM.2015.7167037 Lee, Y. Y., Dato Haji Yahya, M. H., Habibullah, M. S., & Mohd Ashhari, Z. (2020). Non-performing loans in European Union: country governance dimensions. Journal of Financial Economic Policy, 12(2), 209–226. doi:10.1108/JFEP-01-2019-0027 Martins, M., Farias, J. S., Albuquerque, P. H. M., & Pereira, D. S. (2018). Adoption of technology for reading purposes: A study articles of e-books acceptance. Brazilian Business Review, 15(6), 568–588. doi:10.15728/bbr.2018.15.6.4 Mohd Thas Thaker, H., Mohd Thas Thaker, M. A., Khaliq, A., Allah Pitchay, A., & Iqbal Hussain, H. (2022). Behavioural intention and adoption of internet banking among clients' of Islamic banks in Malaysia: an analysis using UTAUT2. Journal of Islamic Marketing, 13(5), 1171–1197. doi:10.1108/JIMA-11-2019-0228 Mohd Thas Thaker, M. A., Mohd Thas Thaker, H., & Allah Pitchay, A. (2018). Modeling crowdfunders' behavioral intention to adopt the crowdfunding-waqf model (CWM) in Malaysia: The theory of the technology acceptance model. International Journal of Islamic and Middle Eastern Finance and Management, 11(2), 231–249. doi:10.1108/IMEFM-06-2017-0157 Sánchez Torres, J. A., & Arroyo-Cañada, F.-J. (2016). Diferencias de la adopción del comercio electrónico entre paí­ses. Suma de Negocios, 7(16), 141–150. doi:10.1016/j.sumneg.2016.02.008 Shahzad, K., Zhang, Q., Ashfaq, M., & Hafeez, M. (2022). The acceptance and continued use of blockchain technology in supply chain management"¯: A unified model from supply chain professional's stance. 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Journal Cover Vol 10, No 3 (2023) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 3 (2023): Mei-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar

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Determinants of Islamic Banking Profitability: A Comparative Analysis of Indonesia and Malaysia Syifa Nurmilla Fathiyyah; Muhammad Muflih
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 4 (2023): Juli-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20234pp391-402

Abstract

ABSTRACT Islamic banking in Indonesia and Malaysia experienced differences in asset growth and market share, potentially causing dissimilarity in profitability performance. This study aims to evaluate the factors that influence the increase in profitability of Islamic banking in Indonesia and Malaysia using signaling theory including market concentration (HHI), company size and financing risk (NPF), and national income (GDP) as control variables. It analyzed the Indonesian and Malaysian Islamic banks during the period 2017-2021. The method used in this study is comparative descriptive with panel data regression analysis measuring instruments. Based on the results of empirical analysis, factors that affect the profitability of Islamic banking in Indonesia are financing risk, while in Malaysia, it is financing risk and national income. The results of this study update the view on the profitability of Islamic banking in Indonesia and Malaysia. In addition, from the managerial side, this study contributes to creating NPF control in Indonesian Islamic banking because these factors can increase the profitability of the country's Islamic banking. The study also contributes to the development of market concentration strategies, company size, and financing risks in Malaysian Islamic banking as all these factors can increase the profitability of the country's Islamic banking. Keywords: Islamic Banking, Profitability, Market Concentration, Company Size, Financing Risk ABSTRAK Perbankan syariah Indonesia dan Malaysia mengalami perbedaan dalam pertumbuhan aset dan market share sehingga berpotensi menimbulkan perbedaan kinerja profitabilitas. Studi ini bertujuan untuk mengevaluasi faktor yang mempengaruhi peningkatan profitabilitas perbankan syariah di Indonesia dan Malaysia dengan menggunakan signaling theory diantaranya konsentrasi pasar (HHI), ukuran perusahaan dan risiko pembiayaan (NPF) serta pendapatan nasional (GDP) sebagai variabel kontrol. Studi ini menganalisis bank syariah di Indonesia dan Malaysia selama periode 2017-2021. Metode yang digunakan oleh studi ini adalah komparatif deskriptif dengan alat ukur analisis regresi data panel. Berdasarkan hasil analisis empiris, faktor yang mempengaruhi profitabilitas perbankan syariah Indonesia adalah risiko pembiayaan sedangkan di Malaysia adalah risiko pembiayaan serta pendapatan nasional. Hasil penelitian ini memperbaharui pandangan tentang profitabilitas perbankan syariah Indonesia dan Malaysia. Selain itu dari sisi manajerial, studi ini berkontribusi dalam menciptakan pengendalian NPF pada perbankan syariah Indonesia karena faktor tersebut mampu meningkatkan profitabilitas perbankan syariah negara tersebut. Selain itu studi ini juga berkontribusi dalam pengembangan strategi konsentrasi pasar, ukuran perusahaan dan risiko pembiayaan pada perbankan syariah Malaysia karena semua faktor tersebut mampu meningkatkan profitabilitas perbankan syariah negara tersebut. Kata Kunci: Bank Syariah, Profitabilitas, Konsentrasi Pasar, Ukuran Perusahaan, Risiko Pembiayaan
Macroeconomic Perspective on the Growth of Corporate Sharia Bonds (Sukuk) in Indonesia Erna Apriani; Dian Rachmawati Afandi; Abdul Latif; Aprilianti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 4 (2023): Juli-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20234pp352-364

Abstract

ABSTRACT This study aimed to examine macroeconomic factors such as economic growth, inflation, money supply, unemployment rate, and world oil prices as moderating variables on the growth of corporate Islamic bonds (sukuk) in Indonesia. The method of analysis in this research was quantitative causality with an analytical approach. The analysis technique used was a moderation regression model. The sample in this study was the growth of corporate Islamic bonds (sukuk) for the last ten years, from 2013 to 2022, in monthly data. The results showed that the growth of Sukuk was partially affected by the variables of inflation, money supply, and unemployment. However, the GDP variable does not affect the growth of Sukuk. The moderating variable of world oil prices can moderate the variables of GDP, money supply, and unemployment rate on the growth of Sukuk, but does not moderate the variable of inflation on the growth of Sukuk. The results of this study can be used as an academic reference and information for issuers and potential investors in making investment decisions from macroeconomic factors that have been studied such as inflation, money supply, unemployment rate, and world oil prices. Keywords: Gross Domestic Product, Macroeconomics, Unemployment Rate, Corporate Sukuk   ABSTRAK Penelitian ini bertujuan untuk mengetahui faktor-faktor makroekonomi seperti pertumbuhan ekonomi, inflasi, uang beredar, tingkat pengangguran, dan harga minyak dunia sebagai variabel moderasi pada pertumbuhan obligasi syariah (sukuk) korporasi di Indonesia. Metode analisis pada penelitian ini ialah kuantitatif kausalitas dengan pendekatan analitik. Teknik analisis yang dipakai menggunakan model regresi moderasi. Sampel penelitian ini ialah pertumbuhan obligasi syariah (sukuk) korporasi sepuluh tahun terakhir, dari tahun 2013 sampai dengan 2022 dalam data bulanan. Hasil penelitian menunjukan secara parsial variabel inflasi, uang beredar, dan tingkat pengangguran mempengaruhi pertumbuhan sukuk, namun berbeda dengan variabel GDP tidak mempengaruhi pertumbuhan sukuk. Variabel moderasi harga minyak dunia mampu memoderasi variabel GDP, uang beredar, dan tingkat pengangguran pada pertumbuhan sukuk, namun tidak memoderasi variabel inflasi pada pertumbuhan sukuk. Hasil penelitian ini dapat dipakai sebagai refrensi akdemisi, dan informasi bagi perusahaan penerbit serta para calon investor dalam menentukan keputusan investasi dari faktor makroekonomi yang telah diteliti seperti inflasi, uang beredar, tingkat pengangguran, dan harga minyak dunia. Kata kunci: Gross Domestic Product, Makro Ekonomi, Tingkat Pengangguran, Sukuk Korporasi
Do Determinants of Behaviors Influence the Intention to Invest in Green Sukuk? M Iqbal Affandi; Farida Rahmawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 4 (2023): Juli-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20234pp403-414

Abstract

ABSTRACT Green finance is being developed in response to growing environmental concerns. Green sukuk is a type of green finance based on Shariah rules. Green sukuk initiatives have been carried out in Indonesia since 2019. The participation of green sukuk has been consistently increasing every year. This study aimed to determine the cause of this occurrence using green financing knowledge, environmental concern, risk behavior, financial literacy, and intention as observed variables. This research was based on a quantitative method using primary data. The sampling technique used in this study was convenience sampling and 10 times rule for SEM. Data was collected by distributing structured questionnaires to approximately 176 respondents. The respondents came from individuals aged between 20-40 years old, from different educational backgrounds, and from different regions in Indonesia. The results of the structural equation modeling analysis show that green finance knowledge significantly influences intention, while environmental concern and risk behavior significantly influence financial literacy. Financial literacy as a moderating variable has a significant influence on intention. The findings are expected to guide the development of effective marketing strategies for green sukuk to attract investors. Keywords: Green Sukuk, Behavior, Intention, Financial Literacy   ABSTRAK Bentuk dari kepedulian terhadap lingkungan untuk mengatasi masalah ini adalah dengan pengembangan green finance. Salah satu bentuk dari green finance yang menerapkan prinsip syariah adalah green sukuk. Inisiatif green sukuk telah dilakukan di Indonesia sejak tahun 2019. Tingkat partisipasi green sukuk terus meningkat setiap tahunnya. Tujuan dari penelitian ini adalah untuk memahami faktor di balik fenomena ini. Pendekatan yang digunakan adalah kuantitatif dengan data primer. Teknik sampling yang digunakan dalam penelitian ini adalah convenience sampling dan metode 10 times rule untuk SEM. Pengumpulan data dilakukan dengan membagikan kuesioner terstruktur kepada 176 responden. Responden terdiri dari individu berusia 20-40 tahun, dari beberapa latar belakang pendidikan berbeda, dan dari beberapa wilayah di Indonesia. Dengan bantuan analisis Structural Equation Modelling, hasil dari penelitian ini menunjukkan bahwa green financing knowledge berpengaruh signifikan terhadap minat, sedangkan environmental concerns dan risk behavior berpengaruh signifikan terhadap literasi keuangan. Literasi keuangan sebagai variabel moderasi berpengaruh signifikan terhadap minat. Hasilnya diharapkan dapat memandu pengembangan strategi pemasaran sukuk hijau yang efektif untuk menarik investor. Kata Kunci: Green Sukuk, Perilaku, Minat, Literasi Keuangan
Green Banking: Operating Costs on Operating Income, Capital Adequacy Ratio, Financial Slack, Sustainability Officer, and Sustainability Committee Ihsan Mulia Siregar; Slamet Haryono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 5 (2023): September-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20235pp427-442

Abstract

ABSTRACT This study aims to investigate and analyze e the effect of Operating Expenses Operating Income (BOPO), capital adequacy ratio (CAR), financial slack, sustainability officer, and sustainability committee on green banking disclosure in Islamic banks registered with the Financial Services Authority (OJK) during the period 2017-2021. In this study, panel data regression data analysis techniques were used with the help of Eviews 10 software. The results of this study show that partially the variables Operating costs in operating income  (BOPO), capital adequacy ratio (CAR), financial slack, and sustainability officer have no effect on green banking disclosure.  While the variable Sustainability Committee has a positive and significant effect on Green Banking disclosure. At the same time, the variables BOPO, CAR, Financial Slack, Sustainability Officer, and Sustainability Committee have a significant effect on Green Banking disclosure. The implication of this research for science is to contribute to the literature related to the factors that influence green banking disclosure. In addition, this research is also expected to help banks in improving their governance, and for the government is expected to help in making policies related to green banking disclosure. Keywords: Operating Expenses on Operating Income, Capital Adequacy Ratio, Financial Slack, Green Banking, Sustainability ABSTRAK Penelitian ini bertujuan untuk mengkaji dan menganalisis pengaruh dari Biaya Operasional Pendapatan Operasional (BOPO), Rasio Kecukupan Modal (CAR), Financial Slack, Sustainability Officer, dan Sustainability committee terhadap pengungkapan green banking pada bank syariah yang terdaftar di OJK  selama periode 2017-2021. Teknik sampling yang digunakan adalah Purposive Sampling dengan kriteria tertentu, sehingga sampel didapat sebanyak 45 data dari 9 Bank syariah yang sesuai kriteria. Dan menggunakan teknik analisis data regresi data panel dengan bantuan software Eviews 10.  Hasilnya menunjukkan bahwa secara parsial variabel BOPO, Capital Adequacy Ratio (CAR), Financial Slack dan Sustainability Officer tidak berpengaruh terhadap pengungkapan Green banking.  Sedangkan variabel Sustainability Committee  berpengaruh positif dan signifikan terhadap pengungkapan Green Banking. Secara simultan variabel BOPO, CAR, Financial Slack, Sustainability officer dan Sustainability Committee memiliki pengaruh dan signifikan terhadap pengungkapan Green banking Kata Kunci:  Biaya Operasi pada Pendapatan Operasional, Capital Adequacy Ratio, Financial Slack, Green Banking, Sustainability    
The Influence of Maqasid Shariah Index and Shariah Business Good Governance on the Profit Growth of Islamic Commercial Banks in Indonesia : - Zainuri; Umi Cholifah; Erika Ayu Pandini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 4 (2023): Juli-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20234pp415-426

Abstract

ABSTRACT This research aims to investigate the impact of Maqasid Shariah Index and Shariah business good governance on the profit growth of Islamic commercial banks in Indonesia during the period 2017 to 2021. The study employs a quantitative research method with the Panel Least Square (PLS) approach, and Lagrange Multiplier test is used to determine the appropriate regression model. The Common Effect Model (CEM) is found to be the best fit regression model. After conducting the Lagrange Multiplier test, the study proceeds to examine the classical assumptions. The research population consists of Islamic commercial banks registered with the Financial Services Authority during 2017-2021, and the sample includes those banks that have published financial reports and Shariah business good governance reports. The main finding of this research reveals a significant positive influence of Shariah business good governance on the profit growth of Islamic commercial banks. This indicates that the increased implementation of Shariah business good governance principles leads to a significant enhancement in profit growth. This study provides valuable insights for Islamic banks to reevaluate their business and financial governance systems to align with Islamic principles. Keywords: Maqasid Shariah Index, Shariah Business Good Governance, Islamic Commercial Banks, Profit Growth, Indonesia. ABSTRAK Penelitian ini bertujuan untuk menginvestigasi dampak Indeks Maqasid Syariah dan Good Governance Bisnis Syariah yang baik terhadap pertumbuhan laba bank umum syariah di Indonesia selama periode 2017 hingga 2021. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan Panel Least Square (PLS), dan uji Lagrange Multiplier digunakan untuk menentukan model regresi yang sesuai. Common Effect Model (CEM) terbukti menjadi model regresi yang terbaik. Setelah melakukan uji Lagrange Multiplier, penelitian ini melanjutkan dengan menguji asumsi-asumsi klasik. Populasi penelitian terdiri dari bank umum syariah yang terdaftar di Otoritas Jasa Keuangan selama periode 2017-2021, dan sampel penelitian mencakup bank-bank tersebut yang telah menerbitkan laporan keuangan dan laporan Good Governance Bisnis Syariah. Hasil utama dari penelitian ini mengungkapkan adanya pengaruh positif dan signifikan dari Good Governance Bisnis Syariah yang baik terhadap pertumbuhan laba bank umum syariah. Hal ini menunjukkan bahwa semakin bank umum syariah menerapkan prinsip-prinsip Good Governance Bisnis Syariah yang baik, maka pertumbuhan labanya akan meningkat secara signifikan. Penelitian ini memberikan wawasan yang berharga bagi bank-bank syariah untuk mengevaluasi kembali sistem Good Governance Bisnis Syariah dan keuangannya agar sejalan dengan prinsip-prinsip syariah. Kata Kunci: Indeks Maqasid Syariah, Good Governance Bisnis Syariah, Bank Umum Syariah, Pertumbuhan Laba, Indonesia.
Product Market Competition, Financial Leverage, Risk of Financing on Financial Stability: Studies on Islamic Banks in Indonesia Duwi Ira Setianti; Slamet Haryono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 4 (2023): Juli-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20234pp365-376

Abstract

ABSTRACT This study aims to explain and analyze the effect of product market competition, financial leverage, and risk of financing on the stability of Islamic banks in Indonesia in 2018-2022.  The sampling technique used is Islamic banks listed on the Indonesia Stock Exchange.  Source of data obtained from the annual report of each bank.  The analytical method used is panel regression analysis with Eviews 10 software with the Common Effect Model (CEM) model as the best model. The variables used consist of product market competition (PCM), financial leverage (DER proxy), and financing risk (NPF proxy) on banking stability (proximate Natural Logarithm Z-Score).  The results of this study found that product market competition did not affect bank stability.  Meanwhile, financial leverage and financing risk have a negative effect on the stability of Islamic banks in Indonesia.  From the results of this study, it is hoped that competition for Islamic banks in Indonesia can always run normally as it is today.  In addition, the financial leverage and financing risks of Islamic banks have a negative impact on banking stability.  Therefore, this research can be used as an early warning and reference for Islamic banks to make funding decisions through debt capital and excessive financing. keywords: Banking stability, product market competition, financial leverage, financing risk ABSTRAK  Penelitian ini bertujuan untuk menjelaskan dan menganalisis pengaruh persaingan pasar produk, financial leverage, dan risk of financing terhadap stabilitas bank syariah di Indonesia pada 2018-2022. Teknik pengambilan sampel yang digunakan bank syariah yang terdaftar di Bursa Efek Indonesia. Sumber data diperoleh dari laporan tahunan masing masing bank. Metode analisis yang digunakan adalah analisis regresi panel dengan software Eviews 10 dengan model Common Effect Model (CEM) sebagai model terbaik .Variabel yang digunakan terdiri dari persaingan pasar produk (PCM), financial leverage (proksi DER) dan resiko pembiayaan (proksi NPF) terhadap stabilitas perbankan (doproksikan Natural Logarithm Z-Score. Hasil dari penelitian ini menemukan bahwa persaingan pasar produk tidak berpengaruh terhadap stabilitas bank. Sementara financial leverage dan resiko pembiayaan berpengaruh negative terhadap stabilitas bank syariah di Indonesia. Dari hasil penelitian ini, diharapkan persaingan bank syariah di Indonesia dapat selalu berjalan berjalan normal seperti saat ini. Selain itu, financial leverage dan resiko pembiayaan bank syariah berdampak buruk pada stabilitas perbankan. Oleh karena itu, penelitian ini dapat dijadikan early warning dan acuan bagi bank syariah untuk mengambil keputusan pendanaan melalui modal hutang dan pembiayaan yang berlebihan. Kata Kunci: Stabilitas perbankan, product market competition, financial leverage, resiko pembiayaan
Sukuk Trend Analysis: Bibliometric and Systematic Literature Review from 2011 - 2021 Ryan Rahmah Maulayati; Sri Iswati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 4 (2023): Juli-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20234pp377-390

Abstract

ABSTRACT The stability of Islamic finance has made many researchers interested in discussing Islamic finance. Sukuk is included in one of the widely published areas of Islamic finance, making it a topic of discussion in several scholarly forums. This study used the Scopus database, where there were 2,128 articles related to sukuk in the Scopus web in 2011-2021, but only 108 articles were included in the criteria and used as a research sample using bibliometric methods and SLR to obtain results related to publication activities, popular topics, research trends, and recommendations for research directions related to sukuk. In the bibliometric analysis method with the help of biblioshiny applications and SLR analysis by reviewing each article and grouping research topics. The results showed that sukuk related publication articles were spread in several countries that were not restricted. Malaysia is the country with the most publications related to sukuk, and most often conducts research collaborations in both Multiple Country Collaboration (MPC) and Single Country Collaboration (SCP). The results of SLR analysis have four themes that are most discussed in research related to sukuk, so researchers provide recommendations for further research directions that can be used by researchers in the future, such as adding research using qualitative methods or discussing the impact of sukuk performance in real terms not only from secondary data. Keywords: Bibliometric, Islamic Bond, Sukuk, Systematic Literature Review (SLR). ABSTRAK Stabilnya Keuangan Islami menjadikan banyak peneliti yang tertarik membahas Keuangan Islami. Sukuk termasuk dalam salah satu sektor Keuangan Islami yang banyak diterbitkan sehingga menjadikan sukuk sebagai topik bahasan diskusi dalam beberapa forum ilmiah. Penelitian ini menggunakan database scopus dimana terdapat 2.128 artikel terkait sukuk pada tahun 2011-2021 dalam web scopus, akan tetapi hanya 108 artikel yang masuk dalam kriteria dan dijadikan sampel penelitian dengan menggunakan metode bibliometrik dan SLR untuk mendapatkan hasil terkait aktivitas publikasi, tema popular, tren penelitian dan rekomendasi arah penelitian terkait sukuk. Pada metode bibliometrik analisis menggunakan bantuan aplikasi biblioshiny dan analisis SLR dengan melakukan review setiap artikel dan mengelompokkan tema penelitian. Hasil penelitian menunjukkan artikel publikasi terkait sukuk tersebar di beberapa negara yang tidak dibatasi. Malaysia merupakan negara dengan publikasi terbanyak terkait sukuk dan paling sering melakukan kolaborasi penelitian baik secara Multiple Country Collaboration (MPC) dan Single Country Collaboration (SCP). Hasil analisis SLR terdapat empat tema yang paling banyak dibahas dalam penelitian terkait sukuk, sehingga peneliti memberikan rekomendasi arah penelitian selanjutnya yang dapat digunakan oleh peneliti selanjutnya dengan menambah penelitian menggunakan metode kualitatif atau membahas dampak kinerja sukuk secara real bukan hanya dari data sekunder. Kata Kunci: Bibliometric, Islamic Bond, Sukuk, Systematic Literature Review (SLR).

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