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Jurnal Ekonomi Syariah Teori dan Terapan

JESTT
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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.

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Search results for , issue "Vol. 8 No. 3 (2021): Mei-2021" : 13 Documents clear

EXPERIENTIAL VALUE ON HALAL FASHION AND EXPERIENTIAL SATISFACTION ON BEHAVIORAL INTENTION Novi Sekar Sari; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp374-383

ABSTRAKIndonesia memiliki peluang besar menjadi barometer halal fesyen dunia. Cara yang harus dilakukan supaya bertahan di industri halal fesyen dengan mempunyai kreativitas dan menghasilkan produk baru yang inovatif. Nilai pengalaman merupakan faktor penting yang memengaruhi keberhasilan, inovasi dan daya saing. Nilai pengalaman dianggap memiliki pengaruh terhadap kepuasan pengalaman dan niat berperilaku. Penelitian ini bertujuan untuk mengidentifikasi dan mengkaji pengaruh nilai pengalaman pada halal fesyen, kepuasan pengalaman dan niat berperilaku dengan objek penelitian Laksmi Muslimah. Penelitian ini menggunakan metode kuantitatif dengan menggunakan path analysis. Penelitian ini memiliki hasil bahwa nilai pengalaman pada halal fesyen berpengaruh terhadap kepuasan pengalaman, kepuasan pengalaman berpengaruh terhadap niat berperilaku, nilai pengalaman pada halal fesyen berpengaruh terhadap niat berperilaku. Penelitian ini memiliki implikasi pada ilmu pemasaran Islam, yaitu pemahaman tentang pengalaman konsumen yang kemudian akan memberikan dampak pada perilaku masa depan seperti merekomendasikan produk/layanan kepada orang lain.Kata Kunci: nilai pengalaman, halal fesyen, kepuasan pengalaman, niat berperilaku. ABSTRACTIndonesia has a great opportunity to become a barometer of the world's halal fashion. The way that must be done to survive in the halal fashion industry is by having creativity and producing innovative new products. Experiential value is an important factor affecting success, innovation and competitiveness. Experiential value is considered to have an influence on experiential satisfaction and behavioral intention. This study aims to identify and examine the effect between the experiential value on halal fashion, experiential satisfaction and behavioral intention with the object of research of Laksmi Muslimah. This study uses quantitative methods using path analysis. 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Journal of Park and Recreation Administration, 26(4), 1-20.Fu, Y. K., & Wang, Y. J. (2020). Experiential value influences authentic happiness and behavioural intention: Lessons from Taiwan’s tourism accommodation sector. Tourism Review, 76(1), 289-303. https://doi.org/10.1108/TR-06-2019-0228Ha, J., & Jang, S. S. (2010). Perceived values, satisfaction and behavioral intentions: the role of familiarity in Korean restaurants. International Journal of Hospitality Management, 29(1), 2-13. https://doi.org/10.1016/j.ijhm.2009.03.009Lee, T. H., & Chang, Y. S. (2012). The influence of experiential marketing and activity involvement on the loyalty intentions of wine tourists in Taiwan. Leisure Studies, 31(1), 103-121. https://doi.org/10.1080/02614367.2011.568067Gema. (2018). Industri Kecil Media Informasi & Promosi Industri Kecil Menengah. Jakarta: Kemenperin RI.Grewal, D., Levy, M., & Kumar, V. (2009). Customer experience management in retailing: An organizing framework. Journal of Retailing, 85(1), 1-14. https://doi.org/10.1016/j.jretai.2009.01.001Kementerian Perencanaan Pembangunan Nasional. (2018). Masterplan ekonomi syariah Indonesia 2019-2024. Jakarta: KNKS.Holbrook, M. B. (1999). Consumer value: A framework for analysis and research. London, UK: Routledge.Hosany, S., & Witham, M. (2010). Dimensions of cruiser’s experiences, satisfaction, and intention to recommend. Journal of Travel Research, 49(3), 351-364. https://doi.org/10.1177%2F0047287509346859Jin NP, L. S., & Lee H. (2015). The effect of experience quality on perceived value, satisfaction, image and behavioral intention of water park patrons: New versus repeat visitors. International Journal of Tourism Research, 17(1), 82–95. https://doi.org/10.1002/jtr.1968Joy, A., & Sherry, J. (2003). Speaking of art as embodied imagination: A multisensory approach to understanding aesthetic experience. Journal of Consumer Research, 30(2), 259-282. https://doi.org/10.1086/376802Kao, Y. F., Huang, L. S., & Wu, C. H. (2008). Effects of theatrical elements on experiential quality and loyalty intentions for theme parks. Asia Pacific Journal of Tourism Research, 13(2), 163-174. https://doi.org/10.1080/10941660802048480Keller, K. L., & Kotler, P. (2016). Marketing management. United Kingdom: Pearson.Kementerian Agama Republik Indonesia. (2021). Al-Qur’an dan terjemahannya. Jakarta: Kemenag RI.Keng, C.J., & Ting, H. Y. (2009). The acceptance of blogs: Using a customer experiential value perspective. Internet Research, 19(5), 479-495. https://doi.org/10.1108/10662240910998850Kirillova, K., Lehto, X. Y., & Cai, L. (2017). Existential authenticity and anxiety as outcomes: the tourist in the experience economy, International Journal of Tourism Research, 19(1), 13-26.Namkung, Y., & Jang, S. (2007). Does food quality really matter in restaurant?: its impact on customer satisfaction and behavioral intentions. 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DETERMINANTS OF PREFERENCE SAVING STUDENTS ON SHARIA BANK WITH PERCEPTION AS A MODERATING VARIABLES Fatkul Mubin Choiriyah; Luqman Hakim
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp275-287

ABSTRAKPenelitian ini bermaksud untuk menganalisis Pengaruh Pengetahuan Produk Bank Syariah, Pelayanan Bank Syariah, dan Pendapatan terhadap Preferensi Menabung Mahasiswa di Bank Syariah dengan Persepsi sebagai Variabel Moderating. Metode penelitian yang digunakan yaitu metode penelitian kuantitatif dengan menggunakan kuesioner dalam pengumpulan data. Pengujian kuesioner dilakukan dengan aplikasi Soland 2.1. Populasi penelitian adalah mahasiswa Universitas Negeri Surabaya, Universitas Airlangga, dan Universitas Islam Negeri Sunan Ampel Surabaya, dengan program studi pendidikan akuntansi, ekonomi syariah, dan ekonomi Islam. Sampel berjumlah 100 mahasiswa dengan teknik quota sampling. Uji hipotesis menggunakan analisis regresi linier dan Moderate Regression Analysis (MRA). Hasil penelitian ini, secara parsial Pengetahuan Produk Bank Syariah, Pelayanan Bank Syariah, Pendapatan, dan Persepsi mempunyai pengaruh yang positif serta signifikan terhadap Preferensi Menabung Mahasiswa di Bank Syariah. Secara simultan, semua variabel independen mempunyai pengaruh yang signifikan serta positif terhadap variabel dependen. Persepsi sebagai variabel moderating Pengetahuan Produk Bank Syariah memberikan pengaruh signifikan terhadap Preferensi Menabung Mahasiswa di Bank Syariah, sedangkan Pelayanan Bank Syariah dan Pendapatan yang dimoderasi oleh Persepsi tidak memiliki pengaruh positif serta signifikan terhadap Preferensi Menabung Mahasiswa di Bank Syariah.Kata Kunci: Pengetahuan Produk Bank Syariah, Pelayanan Bank Syariah, Pendapatan, Persepsi, Preferensi Menabung. ABSTRACTThis study intends to analyze the effect Sharia banking product knowledge, Sharia banking services, and income towards preference saving students on Sharia banks with perception as a moderating variables. The research method used is quantitative research, using questionnaire in data collection. The questionnaire was tested using the Soland 2.1. The research population was students of the Universitas Negeri Surabaya, Universitas Airlangga, and Universitas Islam Negeri Sunan Ampel Surabaya, with study programs of accounting education, sharia economics, and Islamic economics. The sample used was 100 students with a quota sampling technique. Hypothesis testing uses linear regression analysis and Moderate Regression Analysis (MRA). The results of this study, partially, Sharia banking product knowledge, Sharia banking services, and Income, and Perception have a positive and significant effect on Saving Preferences in Sharia Bank. Simultaneously, all independent variables have a significant and positive influence on the dependent variable. Perception as a moderating variable Sharia Bank Product Knowledge has a significant effect on Saving Preference in Sharia Banks, while Sharia Banking Services and Income moderated by Perception do not have a positive and significant effect on Saving Preference in Sharia Banks.Keywords: Knowledge of Sharia Bank Products, Sharia Bank Services, Income, Perception, Savings Preferences. DAFTAR PUSTAKABanowati, M. M., & Sholeh, M. (2018). Faktor-faktor yang mempengaruhi niat menabung di bank Syariah. Jurnal Ekonomi dan Pendidikan, 15(1), 20–26. https://doi.org/10.21831/jep.v15i1.20299Cambridge Institute of Islamic Finance. (2019). Islamic Finance Country Index. In Global Islamic Finance Report 2019. United Kingdom: Cambridge Institute of Islamic Finance.Dawami, Q. (2020). Factors influencing the preference of customers towards islamic banking: evidence from Malaysia. Journal of Islamic Economic Laws, 3(1), 48–67. https://doi.org/10.23917/jisel.v3i1.10191Dewi, A. (2018). Faktor-faktor yang mempengaruhi preferensi nasabah terhadap bank syariah di kota Palopo. Jurnal Akuntansi, 4(2), 1–12. http://dx.doi.org/10.35906/ja001.v4i2.520Engel, J. F, Blackwell, R. P & Miniard, P. W. (1994). Perilaku konsumen (Budiyanto (ed). Surabaya: Binarupa Aksara.Fathurrahman, A., & Azizah, U. (2018). Analisis faktor-faktor preferensi mahasiswa terhadap perbankan syariah. Journal of Islamic Economics, Finance, and Banking, 1(2), 99–121. https://doi.org/10.12928/ijiefb.v1i1.273Harahap, R. S. P. (2016). Faktor-faktor yang berpengaruh terhadap preferensi masyarakat pada bank syariah di Kota Medan. Tesis tidak dipublikasikan. Medan: UIN Sumatera Utara.Hasanah, F. (2019). Pengaruh tingkat religiusitas, pengetahuan, kualitas produk dan kualitas pelayanan terhadap preferensi menabung mahasiswa universitas muhammadiyah Palembang pada bank syariah. BALANCE Jurnal Akuntansi dan Bisnis, 4(1), 485. https://doi.org/10.32502/jab.v4i1.1815Khan, S., & Akhter, W. (2017). Service quality and the moderating effect of shari’ah perception on client satisfaction: A comparison of Islamic and conventional microfinance in Pakistan. Cogent Economics & Finance, 5(1), 1-20. https://doi.org/https://doi.org/10.1080/23322039.2017.1315206Kotler, P. (2000). Marketing management, millenium edition. In Marketing management. https://doi.org/10.1016/0024-6301(90)90145-TKotler, P. (2005). Manajemen pemasaran. Jakarta: PT. Indeks Kelompok Gramedia.Kotler, P. (2007). Manajemen pemasaran. Yogyakarta: Prenhalindo.Larasati, F. (2017). Pengaruh religiusitas, produk bank, kepercayaan, pengetahuan, ran pelayanan terhadap preferensi menabung pada perbankan syariah (Studi pada mahasiswa akuntansi STIE Perbanas Surabaya). Skripsi tidak dipublikasikan. Surabaya: STIE Perbanas Surabaya.Lovelock, C., Wirtz, J., & Mussry, J. (2010). Pemasaran jasa: Manusia, teknologi, strategi. Jakarta: Erlangga.Luthfi, F., & Pujiyono, A. (2017). Analisis faktor-faktor yang mempengaruhi preferensi menabung mahasiswa santri di perbankan syariah (Studi kasus: Pondok pesantren madinah munawwarah, pondok pesantren luhur wahid hasyim, pondok pesantren darul falah). Skripsi tidak dipublikasikan. Semarang: Universitas Diponegoro.Luthfiani, R. A., & Sari, R. C. (2019). The effect of religiosity, the level of income, and the level of islamic financial literacy toward the interest of student to become customers in sharia financial institution. Nominal: Barometer Riset Akuntansi dan Manajemen, 8(1), 109-121. https://doi.org/10.21831/nominal.v8i1.24503Manggu, S. A. R., & Dalif, D. (2018). Analisis persepsi masyarakat terhadap bank syariah di kabupaten Polewali Mandar Sulawesi Barat. J-HEST Journal of Health, Education, Economics, Science, and Technology, 2(1), 16-21. https://doi.org/10.31219/osf.io/w6gt9Munthe, S. (2020). Faktor-faktor yang mempengaruhi minat nasabah menabung pada tabungan mudharabah di bank muamalat cabang balai kota Medan. Wahana Inovasi: Jurnal Penelitian dan Pengabdian Masyarakat UISU, 9(1), 64-74.Naeem, A., Toqeer, M., Pervez, M. Z., Aslam, F., & Akhtar, H. M. A. (2016). Factors influencing the perception of customers in Islamic banking: A case study in Pakistan. International Review of Management and Business Research, 5(3), 844-859.Nastiti, N., Hartono, A., & Ulfah, I. F. (2020). Pengaruh religiusitas, pengetahuan perbankan, pengetahuan produk perbankan, pengetahuan pelayanan perbankan, dan pengetahuan bagi hasil terhadap preferensi menggunakan jasa perbankan syariah. ASSET: Jurnal Manajemen dan Bisnis, 1(1), 15–25. https://doi.org/10.24269/asset.v1i1.2554Nitisusastro, M. (2012). Perilaku konsumen dalam perspektif kewirausahaan (Kedua). Bandung: CV. Alfabeta.Otoritas Jasa Keuangan. (2020a). Statistik perbankan Indonesia November 2020. Jakarta: OJK. https://www.ojk.go.id/id/kanal/perbankan/data-dan-statistik/statistik-perbankan-indonesia/Pages/Statistik-Perbankan-Indonesia---November-2020.aspxOtoritas Jasa Keuangan. (2020b). Statistik perbankan syariah November 2020. Jakarta: OJK. https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/Documents/Pages/Statistik-Perbankan-Syariah---November-2020/SPS November 2020.pdfPrasetijo, R., & Ihalauw, J. J. O. (2005). Perilaku konsumen. Yogyakarta: Andi.Rakhmah, S. M., & Wahyuni, S. (2016). Pengaruh persepsi mahasiswa tentang bank syariah terhadap minat menabung di perbankan syariah. Jurnal UNEJ, 10(1), 1-12.Rusdianto, H., & Ibrahim, C. (2016). Pengaruh produk bank syariah terhadap minat menabung dengan persepsi masyarakat sebagai variabel moderating di Pati. Equilibrium: Jurnal Ekonomi Syariah, 4(1), 43. https://doi.org/10.21043/equilibrium.v4i1.1837Shahrinaz, I., Kasuma, J., Naim, A. S. A., Rahim, E. A., Arabi, A., Ismawi, N., & Rosli, R. (2017). Determinant of customers’ preference in selecting Islamic banks. International Journal of Advanced And Applied Sciences, 4(3), 117–121. https://doi.org/10.21833/ijaas.2017.03.018Simamora, B. (2003). Panduan riset perilaku konsumen. Jakarta: Gramedia Pustaka Utama.Simamora, B. (2004). Panduan riset perilaku konsumen. Jakarta: Gramedia Pustaka Utama.Simamora, B. (2007). Panduan riset perilaku konsumen. Jakarta: Gramedia Pustaka Utama.Sofhian. (2016). Analisis preferensi nasabah penabung pada bank muamalat Indonesia Tbk. cabang Gorontalo. Li-Falah: Jurnal Studi Ekonomi dan Bisnis Islam, 1(2), 90–132.Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif dan R&D. Bandung: CV. Alfabeta.Sukti, S., & Aliansyah, M. (2019). Preferensi nasabah non-muslim terhadap bank syariah (Studi pada bank syariah mandiri cabang Palangka Raya). El-Mashlahah, 7(2), 14-24. https://doi.org/10.23971/el-mas.v7i2.1424Wahyuni, S. (2017). 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WHAT FACTORS AFFECT BUSINESS PERFORMANCE AMONG MICRO SMALL MEDIUM ENTERPRISES DURING COVID-19? Nur Sugiarti; R. Moh. Qudsi Fauzi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp327-337

ABSTRAKPenelitian ini menguji pengaruh kewirausahaan Islam, entrepreneurial orientation, dan market orientation terhadap kinerja Usaha Mikro Kecil dan Menengah (UMKM). Penelitian ini dilakukan pada UMKM yang tergabung dalam One Kecamatan One Center of Entrepreneurship Indonesia (OK Oce Indonesia). Jumlah sampel dalam penelitian ini adalah 142 responden. Penelitian ini berdasarkan pendekatan kuantitatif melalui kuesioner yang diberikan kepada pemilik sekaligus pengelola UMKM. Data dianalisis menggunakan Structural Equation Modeling (SEM) dari software AMOS. Hasil penelitian menunjukkan bahwa terdapat hubungan positif signifikan antara kewirausahaan Islam, orientasi kewirausahaan dan orientasi pasar terhadap kinerja UMKM. Temuan penelitian ini menegaskan bahwa kewirausahaan Islam merupakan faktor penting di antara faktor-faktor lain yang memengaruhi kinerja UMKM. Selain itu, temuan ini berkontribusi pada literatur kinerja UMKM yang dapat membantu pemilik sekaligus pengelola UMKM untuk meningkatkan kinerja bisnisnya.Kata Kunci: kewirausahaan Islam, orientasi wirausaha, orientasi pasar, kinerja. ABSTRACTThis study examines the effect of Islamic entrepreneurship, entrepreneurial orientation and market orientation on performance of micro, small, medium enterprises (MSMEs). This study is conducted on MSMEs that are participate in One Kecamatan One Center of Entrepreneurship Indonesia (OK Oce Indonesia). Total sample in this study is 142 respondents. The study based on quantitative approach through a questionnaire administered on the owner-managers of MSMEs. Data are analyzed using Structural Equation Modeling (SEM) of the AMOS software. The result showed that there is a significant positive relationship between Islamic entrepreneurship, entrepreneurial orientation and market orientation on MSMEs performance. The findings of this study confirm that Islamic entrepreneuship is an important factor among other factors that have influenced over MSMEs performance. Moreover, this findings contribute to MSMEs performance literature that can help MSMEs owner-managers to improve their business performance. Keywords: Islamic entrepreneurship, entrepreneurial orientation, market orientation, performance.DAFTAR PUSTAKAAnisah, H. U., & Salim, U., Sudarma, M., Djumahir. (2011). Peran budaya Banjar dalam meningkatkan kinerja dan keunggulan bersaing melalui kewirausahaan Islami dan strategi (Studi pada industri kecil menengah batu muliamermata di Martapura Kalimantan Selatan). JAM: Jurnal Aplikasi Manajemen, 9(3), 931-942.Friesen, P., & Miller, D. (1982). Innovation in conservative and entrepreneurial firms: Two models of strategic momentum. Strategic Management Journal, 3(1), 1–25. https://doi.org/10.1002/smj.4250030102Gruber, T., & Hofer, M. K. M. (2015). Market orientation, entrepreneurial orientation and performance in emerging markets. International Marketing Review, 16(1), 65–84. https://doi.org/10.1108/IJoEM-05-2013-0076Gümüsay, A. A. (2015). Entrepreneurship from an Islamic perspective. Journal of Business Ethics, 130(1), 199–208. https://doi.org/10.1007/s10551-014-2223-7Haryono, S. (2012). Metode SEM untuk penelitian manajemen dengan AMOS 22.00, LISREL 8.80 dan Smart PLS 3.0 (SEM method for management research with AMOS 22.00, LISREL 8.80 and Smart PLS 3.0). Psychology Applied to Work: An Introduction to Industrial and Organizational Psychology, Tenth Edition Paul, 53(9), 1689–1699.Hoque, N., Mamun, A., & Mohammad Ahshanul Mamun, A. (2014). Dynamics and traits of entrepreneurship: an Islamic approach. World Journal of Entrepreneurship, Management and Sustainable Development, 10(2), 128–142. https://doi.org/10.1108/wjemsd-04-2013-0027John P, K. (1990a). Force for change: How leadership differs from management. New York: Free Press.John P, K. (1990b). Force for change: How leadership differs from management. New York: Free Press.Kementerian Agama. (2002). Al Quran dan terjemahannya. Jakarta: Kemenag RI.Kementerian KUKM RI. (2019). Sinergitas pengembangan KUMKM melalui penguatan peran antar lembaga. Jakarta: Kementerian KUKM RI.Kottika, E., Özsomer, A., Rydén, P., Theodorakis, I. G., Kaminakis, K., Kottikas, K. G., & Stathakopoulos, V. (2020). We survived this! What managers could learn from SMEs who successfully navigated the Greek economic crisis. Industrial Marketing Management, 88(June), 352–365. https://doi.org/10.1016/j.indmarman.2020.05.021Naidoo, V. (2010). Firm survival through a crisis: The influence of market orientation, marketing innovation and business strategy. Industrial Marketing Management, 39(8), 1311–1320. https://doi.org/10.1016/j.indmarman.2010.02.005Narver, J. C., & Slater, S. F. (1990). The effect of market orientation on business profitability. developing a market orientation, October, 45–78. https://doi.org/10.4135/9781452231426.n3Niven, P. R. (2002). Balanced scorecard step by step: Maximizing performance and maintaining results. New York: John Wiley & Sons.Octavia, A., Dahmiri, D., Wijaya, P., & Sriayudha, Y. (2020). The moslem entrepreneurship and product innovation: Its impact on market orientation and performance of small and medium enterprises. Jurnal Perspektif Pembiayaan dan Pembangunan Daerah, 8(4), 397–404. https://doi.org/10.22437/ppd.v8i4.10702Petzold, S., Barbat, V., Pons, F., & Zins, M. (2019). Impact of responsive and proactive market orientation on SME performance: The moderating role of economic crisis perception. Canadian Journal of Administrative Sciences, 36(4), 459–472. https://doi.org/10.1002/cjas.1514Razak, K. A. (2017). Islamic Entrepreneurship Model. International Muamalat And Entrepreneurship Conference (IMEC 4). Islamic Science University of Malaysia.Shinozaki, S., & Vandenberg, P. (2020). Impact of COVID-19 on micro , small , and medium-sized enterprises in developing Asia: Evidence from the rapid surveys. ADBI Working Paper Series.Soininen, J., Puumalainen, K., Sjögrén, H., & Syrjä, P. (2012). The impact of global economic crisis on SMEs: Does entrepreneurial orientation matter? Management Research Review, 35(10), 927–944. https://doi.org/10.1108/01409171211272660Vargas-Hernández, J. G., Noruzi, M. R., & Sariolghalam, N. (2010). An Exploration of the effects of Islamic culture on entrepreneurial behaviors in muslim countries. Asian Social Science, 6(5), 120–127. https://doi.org/10.5539/ass.v6n5p120Wally, S., & Baum, J. R. (1994). Personal and structural determinants of the pace of strategic decision making. Academy of Management Journal, 37(4), 932–956. https://doi.org/10.5465/256605Zahra, S. A. (2008). Being entrepreneurial and market driven: Implications for company performance. 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THE EFFECT OF OIL PRODUCTION ON HUMAN DEVELOPMENT INDEX IN OIC MEMBER COUNTRIES Winalda Klarista Putri; Ilmiawan Auwalin
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp288-296

ABSTRAKTujuan dari penelitian ini adalah untuk mengetahui terkait pengaruh volume produksi minyak, harga minyak dunia, PDB, inflasi, dan jumlah penduduk terhadap IPM di negara anggota OKI pada tahun 2008-2017. Regresi data panel dengan model fixed effect adalah metode yang digunakan untuk menyelidiki hubungan antara variabel bebas dan variabel terikat sebagian atau seluruhnya di waktu yang sama.. Hasil yang ditemukan menunjukkan bahwa volume produksi minyak dan harga minyak dunia berpengaruh negatif dan signifikan terhadap IPM. PDB menunjukkan pengaruh positif dan signifikan terhadap IPM. Sedangkan, inflasi dan jumlah penduduk berpengaruh positif dan tidak signifikan terhadap IPM. Hasil ini dapat menjadi informasi dan pertimbangan bagi pemerintah serta otoritas terkait dalam pengambilan kebijakan dalam memperbaiki dan meningkatkan pembangunan manusia pada masing-masing Negara-negara anggota OKI. Kata Kunci: Produksi Minyak, Harga Minyak Dunia, Indeks Pembangunan Manusia, Negara Anggota OKI. ABSTRACTThe purpose of this study is to find out what impact of oil production volume , world oil price, GDP, inflation, and population. Panel data regression with Fixed Effect Model is the approach used (FEM) to investigate the relationship between independent variables and the dependent variable in part or all at the same time. The findings show that oil production volume and world oil prices have a negative and signficant impact on HDI. GDP shows a positive and significant impact on HDI. Meanwhile, inflation and population have a positive and insignificant impact on HDI. These results can be used as information and considerations for the government and related authorities in policymaking in improving and increasing human development in each OIC member countries. Keywords: Oil Production, World Oil Price, Human Development Index, OIC Countries.DAFTAR PUSTAKAArisman. (2018). Determinant of human development index in ASEAN countries. Signifikan: Jurnal Ilmu Ekonomi, 7(1), 113–122. https://doi.org/10.37950/jkpd.v2i2.44Aydin, N. (2017). Islamic versus conventional human development index: Empirical evidence from ten Muslim countries. International Journal of Social Economics, 44(12), 1562–1583. https://doi.org/10.1108/IJSE-03-2016-0091Badan Pusat Statistik. (2015). Indeks pembangunan manusia 2014 metode baru. Jakarta: BPS.Bildirici, M. E., & Sonustun, F. O. (2018). The effects of oil and gold prices on oil-exporting countries. Energy Strategy Reviews, 22, 290–302. https://doi.org/10.1016/j.esr.2018.10.004Carmignani, F. (2013). Development outcomes, resource abundance, and the transmission through inequality. Resource and Energy Economics, 35(3), 412–428. https://doi.org/10.1016/j.reseneeco.2013.04.007Charfeddine, L., & Barkat, K. (2020). Short- and long-run asymmetric effect of oil prices and oil and gas revenues on the real GDP and economic diversification in oil-dependent economy. Energy Economics, 86, 1–15. https://doi.org/10.1016/j.eneco.2020.104680Didu, S., & Fauzi, F. (2016). Pengaruh jumlah penduduk, pendidikan dan pertumbuhan ekonomi terhadap kemiskinan di kabupaten Lebak. Jurnal Ekonomi-Qu, 6(1), 102–117. https://doi.org/10.35448/jequ.v6i1.4199Energy Information Administration. (2020). Monthly energy review November (Nomor November). United States: Energy Information Administration.Huda, N. dkk. (2015). Ekonomi pembangunan Islam. Jakarta: Kencana.Karim, A. A. (2015). Ekonomi makro Islami. Jakarta: Rajawali Press.Kementerian Agama RI. (2019). Al-Qur’an dan terjemahannya. Jakarta: Kemenag RI.Key World Energy Statistics. (2019). Energy balance. United States: Energy Information Administration. https://doi.org/10.1016/B978-0-12-409548-9.00927-1Mankiw, N. G. (2016). Macroeconomics. New York: Worth Publishers.Marza, M., Shaaibith, S. J., & Daly, S. S. (2018). Impact of oil price fluctuations on human development: A standard study of Iraq. Journal of Social Sciences Research, 5, 396–399. https://doi.org/10.32861/jssr.spi5.396.399Rama, A., & Yusuf, B. (2019). Construction of Islamic Human Development Index. Journal of King Abdulaziz University: Islamic Economics, 32(1), 43–64. https://doi.org/10.4197/Islec.32-1.3Samuelson, P. A. & Nordhaus, W. D. (2010). Economics (19 ed). New York: McGraw-Hill.SESRIC. (2019). OIC economic outlook: Mobilizing financial resources for development. Ankara, Turkey: SESRIC.Setiawan, M. B., & Hakim, A. (2013). Indeks pembangunan manusia Indonesia. Jurnal Economia, 9(1), 18–26. https://doi.org/10.21831/economia.v9i1.1373Sopian, K., Ali, B., & Asim, N. (2011). Strategies for renewable energy applications in the organization of Islamic conference (OIC) countries. Renewable and Sustainable Energy Reviews, 15(9), 4706–4725. https://doi.org/10.1016/j.rser.2011.07.081Subhan, M. (2018). Meneropong sistem produksi dalam ekonomi konvensional. Ulumuna: Jurnal Studi Keislaman, 3(1), 29–37. https://doi.org/10.36420/ju.v4i1.3545Suseno, & Astiyah, S. (2009). Inflasi. In Seri Kebanksentralan No. 22. Jakarta: Pusat Pendidikan dan Studi Kebanksentralan (PPSK) Bank Indonesia.Susilo, J. H., Kholilurrohman, M., & Hasan, Z. (2020). Analisis indeks pembangunan Manusia di provinsi Papua. Dinamika Ekonomi Jurnal Ekonomi dan Bisnis, 13(1), 172–187.UNDP. (2018). Human development indices and indicators 2018 statistical update. New York: UNDP. https://doi.org/10.18356/656a3808-enUsman, U., & Diramita. (2018). Pengaruh jumlah penduduk, pengangguran dan pertumbuhan ekonomi terhadap kemiskinan di provinsi Kepulauan Riau. Jurnal Ekonomi Regional Unimal, 1(2), 46–52. https://doi.org/10.29103/jeru.v1i2.728van Eyden, R., Difeto, M., Gupta, R., & Wohar, M. E. (2019). Oil price volatility and economic growth: Evidence from advanced economies using more than a century’s Data. Applied Energy, 233–234, 612–621. https://doi.org/10.1016/j.apenergy.2018.10.049Wibowo, M. G. (2019). Quality of human development index (HDI) in muslim countries (Case study of OIC members). JEBI: Jurnal Ekonomi dan Bisnis Islam, 4(1), 1–13. https://doi.org/10.15548/jebi.v4i1.204Wong, S. L., Chia, W.-M., & Chang, Y. (2013). Energy consumption and energy R&D in OECD: Perspectives from oil prices and economic growth. Energy Policy, 62, 1581–1590. https://doi.org/10.1016/j.enpol.2013.07.025Yasmeen, H., Wang, Y., Zameer, H., & Solangi, Y. A. (2019). Does oil price volatility influence real sector growth? Empirical evidence from Pakistan. Energy Reports, 5, 688–703. https://doi.org/10.1016/j.egyr.2019.06.006

ICSR DISCLOSURE, REPUTATION, VISIBILITY AND PROFITABILITY OF ISLAMIC BANK: RESEARCH WITH MEDIATOR AND MODERATOR Habib Sa'dul Kholqi; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp338-353

ABSTRAKPengungkapan ICSR menjadi isu penting yang dapat mempengaruhi reputasi dan profitabilitas bank syariah. Banyak penelitian empiris terkait pengaruh ICSR terhadap profitabilitas menunjukan hasil yang beragam. Misspesifikasi model penelitian dan strategi ICSR dapat menjadi sebab hasil tersebut. Penelitian ini bertujuan untuk menguji pengaruh pengungkapan ICSR terhadap kinerja keuangan bank syariah dengan mempertimbankan reputasi sebagai variabel mediasi dan visibilitas sebagai variabel yang memoderasi pengaruh pengungkapan ICSR terhadap reputasi. Pendekatan kuantitatif dengan metode PLS SEM digunakan untuk menguji hipotesis. 10 bank syariah di Indonesia pada periode 2014-2019 dijadikan sebagai sampel. Hasil estimasi menunjukan bahwa pengungkapan ICSR berpengaruh positif baik terhadap reputasi maupun profitabilitas. Visibilitas bank syariah juga terbukti memoderasi pengaruh pengungkapan ICSR terhadap reputasi bank. Meskipun demikian, Reputasi tidak terbukti memediasi pengaruh ICSR terhadap profitabilitas bank syariah. Implikasi dari hasil penelitian ini adala pentingnya pengungkapan ICSR bagi bank syariah karena dapat mempengaruhi reputasi dan profitabilitas perusahaan. Meskipun reputasi sendiri tidak terbukti memberikan pengaruh terhadap profitabilitas, reputasi dapat menjadi sumber daya strategis bagi bank. Selain itu, bagi bank syariah dengan visibilitas tinggi, pengungkapan ICSR menjadi sangat penting karena dampaknya yang lebih besar yang terbukti dapat memperkuat hubungan pengungkapan ICSR terhadap reputasi.Kata Kunci: Pengungkapan Islamic Corporate Social Responsibility, Variabel Mediasi, Variabel Moderasi, Profitabilitas, Bank Syariah. ABSTRACTICSR disclosure becomes an important issue that could effect reputation and profitability of Islamic Bank. a lot of empirical research on the effect of ICSR disclosure to profitability indicates an inconsistent result. Misspecification of the research model and the ICSR strategy could be the cause of it. The study aims to examine the impact of ICSR disclosure to profitability by considering reputation as a mediating variable and visibility as a variable that moderates the effect of ICSR disclosure on reputation. Quantitative approach with PLS SEM method is applied to confirm the hypothesis. 10 Indonesian Islamic Banks on 2014-2019 period are take as a sample. The estimation results show that ICSR disclosure has positive effect on reputation and profitability. It also indicates that Islamic bank visibility moderates the correlation between ICSR disclosure and reputation. However, Islamic bank reputation isn’t proven to mediate the correlation between ICSR disclosure and the profitability. The implication of the study result is that ICSR disclosure is important for the Islamic banks because it can affect its reputation and profitability. Although reputation itself is not proven to affect profitability, it can be a strategic resource for a bank. In addition, for high-visibility Islamic banks, disclosure of ICSR is crutial because of its greater impact that is proven to affect the relationship of ICSR disclosure to reputation.Keywords: Islamic Corporate Social Responsibility Disclosure, Mediating Variable, Moderating Variable, Profitability, Islamic Bank. DAFTAR PUSTAKAArdianto, E., & Sumirat, S. (2004). Dasar-dasar public relation. Bandung: Remaja Rosdakarya.Aribi, Z. A., & Arun, T. (2014). Corporate social responsibility and Islamic financial institutions (IFIs): Management perceptions from IFIs in Bahrain. Journal of Business Ethics, 129(4), 785–794. https://doi.org/10.1007/s10551-014-2132-9Arifin, J., & Wardani, E.A. (2016). Islamic corporate responsibility disclosure, reputasi, dan kinerja keuangan: Studi pada bank syariah di Indonesia. 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Journal Cover Vol 8, No 3 (2021) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp%p

ANALYSIS OF THE IMPACT OF CUSTOMER SATISFACTION IN THE RELATIONSHIP BETWEEN SERVICE ORIENTATION AND SERVICE QUALITY ON CUSTOMER LOYALTY OF MUSLIMAH SALON Ibnu Jauzi; Ari Prasetyo
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp297-304

ABSTRAKLoyalitas pelanggan merupakan hal yang harus diutamakan perusahaan jasa dalam menjalankan bisnisnya. Tanpa adanya pelanggan yang loyal terhadap perusahaan maka sustainbility perusahaan tersebut akan terancam. Penelitian ini bertujuan untuk meneliti dampak orientasi pelayanan dan kualitas pelayanan terhadap loyalitas pelanggan melalui kepuasan pelanggan pada salon muslimah di Kota Kediri. Apakah dalam mencapai loyalitas pelanggan harus melalui kepuasan pelanggan atau tidak. Penelitian ini menggunakan pendekatan kuantitatif dengan metode SEM PLS. Pengujiannya dilakukan menggunakan aplikasi SmartPLS 3.0 dengan kategori responden yaitu pelanggan yang telah merasakan produk salon muslimah di Kota Kediri. Hasil penelitian menunjukkan adanya efek moderasi kepuasan pelanggan dalam hubungan orientasi dan kualitas pelayanan terhadap loyalitas pelanggan.Hal tersebut mengindikasikan bahwa orientasi dan kualitas pelayanan yang dilakukan oleh salon muslimah di Kota Kediri bisa dikategorikan baik sehingga membuat para pelanggannya menjadi loyal.Kata Kunci: Loyalitas Pelanggan, Orientasi Pelayanan, Kualitas Pelayanan, Kepuasan Pelanggan, Salon Muslimah. ABSTRACTCustomer loyalty is something that must be prioritized by service companies in running their business. Without customers who are loyal to the company, the company's sustainability will be threatened. This study aims to examine the impact of service orientation and service quality on customer loyalty through customer satisfaction at Muslimah salons in Kediri. Whether to achieve customer loyalty must go through customer satisfaction or not. This study uses a quantitative approach with the SEM PLS method. The test was carried out using the SmartPLS 3.0 application with the respondent category, namely customers who have experienced Muslim salon products in Kediri. The results showed that there was a moderating effect of customer satisfaction in the relationship between orientation and service quality on customer loyalty. This indicates that the orientation and quality of service carried out by muslimah salons in Kediri City can be categorized as good so that it makes its customers loyal.Keywords: Customer Loyalty, Service Orientation, Service Quality, Customer Satisfaction, Muslimah Salon.DAFTAR PUSTAKACanalejo, A. M. C., & del Rio, J. A. J. (2018). Quality, satisfaction and loyalty indices. Journal of Place Management and Development, 11(4), 428-446. https://doi.org/10.1108/JPMD-05-2017-0040Ferreira, F. A. F., Jalali, M. S., Kavaliauskiene L. M., & Viana, B. A. C. P. (2015). A metacognitive decision making based-framework for bank customer loyalty measurement and management. Technological and Economic Development of Economy, 21(2), 280–300. https://doi.org/10.3846/20294913.2014.981764Giovanis, A., Athanasopoulou, P., & Tsoukatos, E. (2015). The role of service fairness in the service quality – relationship quality – customer loyalty chain. Journal of Service Theory and Practice, 25(6), 744-776. https://doi.org/10.1108/JSTP-11-2013-0263Kandampully, J., Zhang, T. C., & Bilgihan, A. (2015). Customer loyalty: A review and future directions with a special focus on the hospitality industry. International Journal of Contemporary Hospitality Management, 27(3), 379–414. https://doi.org/10.1108/IJCHM-03-2014-0151Makanyeza, C., & Chikazhe, L. (2017). Mediators of the relationship between service quality and customer loyalty. International Journal of Bank Marketing, 35(3), 540–556. https://doi.org/10.1108/IJBM-11-2016-0164Mandung, F., Modding, B., Hasan, S., & Ella, H. (2018). Effect of market orientation, service quality and service orientation on semen tonasa customer satisfaction and loyalty in Makassar city. International Journal Of Scientific & Technology Research, 7(12), 144-153.Mathe, K., Halsell, S. S., & Roseman, M. (2016). The role of customer orientation in the relationship between manager communications and customer satisfaction. Journal of Hospitality & Tourism Research, 40(2), 198–209. https://doi.org/10.1177%2F1096348013496278Pattanayak, D., Koilakuntla, M., & Punyatoya, P. (2017). Investigating the influence of TQM, service quality and market orientation on customer satisfaction and loyalty in the Indian banking sector. International Journal of Quality & Reliability Management, 34(3), 362–377. https://doi.org/10.1108/IJQRM-04-2015-0057Rajeswari, S., Srinivasulu, Y., & Thiyagarajan, S. (2017). Relationship among service quality, customer satisfaction and customer loyalty: With special reference to wireline telecom sector (DSL Service). Global Business Review, 18(4), 1041–1058. https://doi.org/10.1177%2F0972150917692405Ratnasari, R.T., Rusmita, S. A., Gunawan, S., & Prasetyo, A. (2019). Halal food certification to improve the competitiveness of east and middle business in Indonesia. 2nd International Conference on Islamic economics, Business and Philantropy, 1044-1056. Surabaya: KnE Social Sciences.Solimun, & Fernandes, A., A., R. (2018). The mediation effect of customer satisfaction in the relationship between service quality, service orientation, and marketing mix strategy to customer loyalty. Journal of Management Development, 37(1), 76-87. https://doi.org/10.1108/JMD-12-2016-0315Sugiyono. (2009). Metode penelitian bisnis. Bandung: CV. Alfabeta.Zameer, H., Tara, A., Kausar, U, & Mohsin, A. (2015). Impact of service quality, corporate image and customer satisfaction towards customers’ perceived value in the banking sector in Pakistan. International Journal of Bank Marketing, 33(4), 442–456. https://doi.org/10.1108/IJBM-01-2014-0015

ALMS AND INFAQ MANAGEMENT MODEL AT FOOD BANK Hafiz Minhajuel; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp354-362

ABSTRAKFood Bank adalah organisasi yang mengkoordinasi makanan berlebih dari masyarakat atau industri makanan untuk disumbangkan kepada orang yang membutuhkan. Food bank telah diterapkan di berbagai kota sebagai usaha dalam mengatasi permasalahan kerawanan pangan. Dalam penelitian ini membahas model pengelolaan infak sedekah dalam program food rescue Garda Pangan Kota Surabaya dengan metode studi kasus kualitatif-deskriptif. Beberapa pengurus Garda Pangan Surabaya dan penerima manfaat menjadi informan kunci dalam penelitian ini. Hasil dalam penelitian menunjukkan Garda Pangan menggunakan model pengelolaan konsumtif tradisional. Garda Pangan hanya ingin berfokus menyalurkan makanan yang berpotensi terbuang kepada masyarakat pra sejahtera yang membutuhkan melalui program food rescue. Penelitian ini memberikan memberikan kontribusi gambaran model pengelolaan infak sedekah dengan membangun food bank agar dapat memberikan bantuan pangan kepada masyarakat lebih optimal.Kata Kunci: Model Pengelolaan, Infak, Sedekah, Food Bank, Food Rescue. ABSTRACTFood Bank is an organization that voluntarily coordinates excess food from the community or the food industry to donate to the poor and needy. Food banks have been implemented in various cities in an effort to overcome the problem of food insecurity. In this research, it discusses the management model of alms donations in the food rescue program of Garda Pangan Kota Surabaya with a qualitative-descriptive case study method. Several Surabaya Food Guard administrators and beneficiaries were key informants in this study. The results of the study indicate that Garda Pangan uses a traditional consumptive management model. Garda Pangan only wants to focus on distributing food that is potentially wasted to underprivileged people in need through a food rescue program. This study contributes to an overview of the alms donation management model by building a food bank so that it can provide food assistance to the community more optimally.Keywords: Management Model, Infaq, Alms, Food Bank, Food Rescue. DAFTAR PUSTAKABorowko, W. (2008). Food Insecurity Among Working- Age Canadians With Disabilities. Unpublished Masters Thesis. Vancouver: Simon Fraser University.Dianto, A. Y., & Purnomo, M. W. (2020). Manajemen pengelolaan Islamic Foodbank di Indonesia (Studi teori dan konsep). Jurnal Dinamika Ekonomi Syariah, 7(1), 50-67.Hasan, N. B. (2012). Potensi pelaksanaan bank makanan di Malaysia sebagai satu bentuk jaminan sekuriti makanan bagi golongan miskin. Disertasi tidak dipublikasikan. Kuala Lumpur: Universitas Malaya.Hidayati, L. N. K., Rahmatika, A. N., & Firmansyah, K. (2019). Islamic Foodbank Indonesia (Studi Konsep dan Pengembangan). Prosiding Seminar Nasional Multidisiplin, 2(1). 1-8.Kirkpatrick, S. I., & Tarasuk, V. (2009). Food insecurity and participation in community food programs among low-income Toronto families. Canadian journal of public health = Revue canadienne de sante publique, 100(2), 135–139. https://doi.org/10.1007/bf03405523Ramadhanu, A., & Widiastuti, T. (2017). Model Pemberdayaan ekonomi oleh lembaga amil zakat: Studi kasus LAZ BMH pada mualaf suku tengger. Jurnal Ekonomi Syariah Teori & Terapan, 4(4), 281-296. http://dx.doi.org/10.20473/vol4iss20174pp281-296Reynolds, C. J., Piantadosi, J., Boland, J. (2015). Rescuing food from the organics waste stream to feed the food insecure: An economic and environmental assessment of Australian food rescue operations using environmentally extended waste input-output analysis. Sustainability, 7(4), 4707-4726. https://doi.org/10.3390/su7044707Riches, G. (2002). Food banks and food security: Welfare reform, human rights and social policy, lessons from Canada? Social Policy and Administration, 36(6), 648-663. https://doi.org/10.1111/1467-9515.00309Ridwan, M. (2016). Analisis model fundraising dan distribusi dana ZIS di UPZ Desa Wonoketingal Karanganyar Demak. Jurnal Penelitian, 10(2), 295-321. http://dx.doi.org/10.21043/jupe.v10i2.1879Sugiyono. (2015). Memahami penelitian kualitatif. Bandung: CV. Alfabeta.Starkey L. J., Kuhnlein, H. V., & Gray-Donald K. (1998). Food bank users: Sociodemographic and nutritional characteristics. CMAJ. 158(9), 1143-1149.Starkey, L. J., Gray-Donald K., & Kuhnlein, H. V. (1999). Nutrient intake of food bank users is related to frequency of food bank use, household size, smoking, education, and country of birth. The Journal of Nutrition, 129(4): 883–889. https://doi.org/10.1093/jn/129.4.883Stoner, A., James & Freeman, E. (2005). Manajemen. Jakarta: PT. Prahallindo.Teron, Adrienne C. & Tarasuk, Valerie S. (1999). Charitable food assistance: What are food bank users receiving?, Canadian Journal of Public Health, 90(6), 382-384.Tarasuk, V., & Eakin, J. M. (2005). Food assistance through “surplus” food: Insights from an ethnographic study of food bank work. Agriculture and Human Values, 22(2), 177-186.Uzaifah. (2010). Manajemen zakat pasca kebijakan pemerintah tentang zakat sebagai pengurang penghasilan kena pajak. Jurnal Ekonomi Islam, 4(1), 45-68. https://doi.org/10.20885/lariba.vol4.iss1.art4

EFFECT OF MUDARABAH AND MUSHARAKAH FINANCING ON RETURN ON EQUITY (ROE) CASE STUDIES ON ISLAMIC COMMERCIAL BANKS IN INDONESIA FOR THE PERIOD 2015-2019 Ghitha Millatina Islamiyati; Nana Diana
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp255-263

ABSTRAKTujuan dari penelitian ini adalah untuk mengetahui apakah pembiayaan mudharabah dan pembiayaan musyarakah berpengaruh terhadap Return On Equity (ROE) studi kasus pada Bank Umum Syariah di Indonesia periode 2015-2019. Populasi dalam penelitian ini adalah seluruh data dalam laporan keuangan yang terdapat pada Bank Umum Syariah di Indonesia dan didapat sampel dari hasil purposive sampling sebanyak 9 Bank Umum Syariah dengan variable bebas yaitu pembiayaan mudharabah (X1) dan pembiayaan musyarakah (X2) serta variabel tetap yaitu Return On Equity (ROE) (Y). Metode penelitian yang digunakan yaitu analisis deskriptif, uji asumsi klasik yang terdiri dari uji normalitas, uji heteroksiditas, uji multikolinearitas dan uji autokorelasi juga uji hipotesis yang terdiri dari uji statistic t untuk menguji secara terpisah, uji statistic F untuk menguji secara bersama dan koefisien determinasi (R2). Hasil penelitian menjelaskan bahwa secara terpisah, Return On Equity (ROE) tidak dipengaruhi oleh pembiayaan mudharabah maupun pembiayaan musyarakah.. Pada uji secara bersama-sama, Return On Equity (ROE) tidak dipengaruhi oleh pembiayaan mudharabah dan pembiayaan musyarakah studi kasus Bank Umum Syariah di Indonesia periode 2015-2019.Kata Kunci: pembiayaan mudharabah, pembiayaan musyarakah, return on equity ROE), bank umum syariah. ABSTRACTThe intention of this research is to reveal whether mudarabah and musharakah financing have an effect on the return on equity (ROE) case studies on Islamic Commercial Banks in Indonesia period 2015-2019. The population in this research is all data in the financial reports contained in Islamic Commercial Banks in Indonesia and obtained samples from the purposive sampling of 9 Islamic Commercial Banks with independent variables, namely mudarabah financing (X1) and musharakah financing (X2) and dependent variable namely return on equity (ROE) (Y). The research method used are analysis of descriptive, test of classic assumption which contains test of normality, heteroxidity test, multicollinearity test and autocorrelation test as well as hypothesis testing which includes t statistical test to test partially, statistical F test to test simultaneously and the coefficient of determination (R2). The results of the research explain that partially, return on equity (ROE) has no effected by mudarabah financing and musharakah financing. In the simultaneous test, return on equity (ROE) has no effected by mudarabah financing and musharakah financing in case study of Islamic Commercial Banks in Indonesia for the 2015-2019 period. Keywords: Mudarabah financing, musharakah financing, return on equity (ROE), Islamic commercial bank.REFERENCESDaulay, P. I. S. (2019). Pengaruh pendapatan bagi hasil pembiayaan mudharabah dan pembiayaan musyarakah terhadap return on equity (ROE) Pada PT. Bank Syariah Mandiri, Tbk. Skripsi tidak dipublikasikan. Medan: Universitas Islam Negeri Sumatera Utara.Fatmawati, R. (2016). Analisis pengaruh pembiayaan mudharabah, musyarakah dan murabahah terhadap kemampu labaan BPR Syariah Artha Surya Barokah Semarang. Skripsi tidak dipublikasikan. Semarang: Universitas Muhammadiyah Semarang.Maharani, S. (2019). Pengaruh pembiayaan mudharabah dan pembiayaan musyarakah terhadap return on equity (ROE) pada bank umum syariah periode 2013-2017. Skripsi tidak dipublikasikan. Ponorogo: Institut Agama Islam Negeri Ponorogo.Mahmudin. (2018). Pengaruh pembiayaan mudharabah terhadap tingkat return on equity (ROE) pada bank syariah yang terdaftar di Bank Indonesia. The Asia Pacific Journal of Management, 05(03), 153– 162.Nalta, S., Wijaya, I., & Al Amin, H. (2018). Pengaruh pembiayaan mudharabah dan musyarakah terhadap return on equity pada PT. Bank Pembiayaan Rakyat Syariah di Indonesia. El-Amwal, 1(2), 23–33.Nataliawati, R. (2018). Pengaruh rasio produk pembiayaan syariah terhadap return on equity bank umum syariah di Indonesia. Tesis tidak dipublikasikan. Surabaya: Universitas Wijaya Kusuma Surabaya.Ningrum, M. H., Setiono, H., & Dwihandoko, T. H. (2019). Analisis pengaruh pendapatan murabahah, musyarakah, dan ijarah terhadap profitabilitas bank syariah (Studi empiris pada bank syariah periode 2015 - 2018). Skripsi tidak dipublikasikan. Mojokerto: Universitas Islam Majapahit.Putra, P., & Hasanah, M. (2016). Pengaruh pembiayaan mudharabah, musyarakah, murabahah, dan ijarah terhadap profitabilitas 4 bank umum syariah periode 2013-2016. Jurnal Organisasi Dan Manajemen, 14(2), 140-150. https://doi.org/10.33830/jom.v14i2.159.2018Rahayu, Y. S., Husaini, A., & Azizah, D. F. (2016). Pengaruh pembiayaan bagi hasil mudharabah dan musyarakah terhadap profitabilitas (Studi pada bank umum syariah yang terdaftar pada bursa efek Indonesia periode 2011-2014 ). Jurnal Administrasi Bisnis (JAB), 33(1), 61–68.Rianti, A. E. (2019). Analisis pengaruh pembiayaan mudharabah, musyarakah, murabahah dan ijarah terhadap tingkat profitabilitas return on equity (ROE) pada PT. Bank Syariah Mandiri periode 2011-2018. Skripsi tidak dipublikasikan. Surakarta: Universitas Muhammadiyah Surakarta.Rianti, F. A., & Elmanizar. (2019). Pengaruh piutang murabahah, pembiayaan mudharabah dan pembiayaan musyarakah terhadap profitabilitas bank syariah. Jurnal Pajak, Akuntansi, Sistem Informasi, dan Auditing, 1(1), 58–82.Sari, D. W., & Anshori, M. Y. (2016). Pengaruh pembiayaan murabahah, istishna, mudharabah, dan musyarakah terhadap profitabilitas (studi pada bank syariah di Indonesia periode Maret 2015 – Agustus 2016). Accounting and Management Journal, 1(1), 1-8. https://doi.org/10.33086/amj.v1i1.68Wibowo, A., & Sunarto. (2014). Pengaruh pembiayaan mudharabah dan musyarakah terhadap profitabilitas perbankan syariah (studi kasus pada bank pembiayaan rakyat syariah Daerah Istimewa Yogyakarta yang terdaftar di Bank Indonesia periode 2012-2014). Syariah Paper Accounting FEB UMS, 115– 124. Islamiyati, et al/Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 Mei 2021: 255-263

THE EFFECT OF MUDHARABAH FINANCING ON CUSTOMERS OF MSME OWNERS IN TERMS OF THE ECONOMIC CHANGES Febiola Bunga Asprila; Andriani Samsuri; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp305-317

ABSTRAKTujuan penelitian ini adalah untuk mengetahui pengaruh pembiayaan mudharabah terhadap perubahan ekonomi nasabahnya melalui empat aspek yaitu aset usaha, omzet usaha, pendapatan usaha, dan laba usaha. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Sumber dan jenis data diperoleh dari teknik wawancara, observasi dan dokumentasi kepada tujuh nasabah pembiayaan mudharabah, pihak pemerintah Desa Berbek, pihak BMT PUMA dan masyarakat sekitar. Data terkumpul kemudian dianalisis menggunakan teknik reduksi data dengan hasil penelitian yang disajikan dengan tabel, grafik, dan deskripsi. Hasil penelitian ini menyimpulkan bahwa UMKM mengalami perubahan ekonomi positif yakni mengalami peningkatan berupa aset usaha mencapai 90%, peningkatan omzet usaha mencapai 233,33%, peningkatan pendapatan usaha mencapai 233,33%, dan peningkatan laba usaha mencapai 150%. Namun masih ditemukan nasabah yang menggunakan sebagian dana pembiayaan untuk membayar hutang, membayar sekolah anak, dan kebutuhan lain. BMT PUMA memberikan kepercayaan penuh kepada nasabah tanpa melakukan pengawasan usaha. Saran yang relevan dengan hasil penelitian yaitu nasabah diharapkan lebih amanah dalam menggunakan dana pembiayaan mudharabah, selain itu BMT PUMA sebaiknya lebih tegas dalam mengawasi penggunaan dana pembiayaan mudharabah pada nasabah. Kata Kunci: BMT, UMKM, Mudharabah, Perubahan Ekonomi. ABSTRACTThis research is qualitative research that aims to know the influence of mudharabah financing on the economic changes of its costomers through four aspects, such as business assets, business turnover, business income, and business profit. The technique of data retrieval are interviews, observation, and documentation to seven mudharabah financing costomers, Berbek Government, BMT PUMA members, and local society. Data collected then analyzed by reduction data technique with the research result presented by tables, graphics, and description. The result of this study concludes that Small Micro Enterprises (SME’s) experiencing positive economic changes that experienced an increase in the form of business assets reached 90%, increase in business turnover reached 233,33%, increase in business income reached 233,33%, and increase in business profit 150%. But there were still customers who used part of their financing funds for other needs. BMT PUMA gives full trust to customers without monitoring their business. Suggestions that are relevant to the research result is customers are expected to be more trustworthy in using mudharabah financing funds. Moreover, BMT PUMA should be more assertive in overseeing mudharabah financing funds on customers.Keywords: Baitul Maal Wattamwi, SME’s, Mudharabah, Economic changes.DAFTAR PUSTAKAAdinugraha, H. H., Sartika, M., & Ulama’i, A. H. A. (2019). Halal lifestyle di Indonesia. An-Nisbah: Jurnal Ekonomi Syariah, 5(2), 57-81. https://doi.org/10.21274/an.2019.6.1.57-81Ali, W., Muthaly, S., & Dada, M. (2018). Adoption of shariah compliant peer-to-business financing platforms by SMEs: A conceptual strategic framework for fintechs in Bahrain. International Journal of Innovative Technology and Exploring Engineering, 8(2S2), 2278-3075.Bronson, K., & Knezevic, I. (2019). The digital divide and how it matters for Canadian food system equity. Canadian Journal of Communication, 44(2), 63–68. https://doi.org/10.22230/cjc.2019v44n2a3489Dewi, L., Hanik, U., Awwaliah, H., & Yudha, A. T. R. C. (2021). Determinan harga dan potensi sampah sebagai sumber modal ekonomi di bank sampah syariah UINSA Surabaya. Nomicpedia: Journal of Economics and Business Innovation, 1(1), 14–26.Fatmawati, A., Yudha, A. T. R. C., & Syafaq, H. (2020). Kontrak kerja dan kesejahteraan ABK nelayan perspektif etika bisnis Islam di Sarangmerduro, Jawa Tengah. Nukhbatul ’Ulum: Jurnal Bidang Kajian Islam, 6(2), 298–313. https://doi.org/10.36701/nukhbah.v6i2.240Ghafar, A., & Tohirin, A. (2010). Islamic law and finance. Humanomics, 26(3), 178–199. https://doi.org/10.1108/08288661011074954Habibi, M. L., & Yudha, A. T. R. C. (2017). Membangun integrated takaful dan wakaf model dalam upaya meningkatkan kemanfaatan pemegang polis. Al-Uqud : Journal of Islamic Economics, 1(2), 139. https://doi.org/10.26740/jie.v1n2.p139-155Hilmy, M. (2015). The political economy of sunni-shi’ah conflict in Sampang Madura. Al-Jami’ah, 53(1), 27–51. https://doi.org/10.14421/ajis.2015.531.27-51Isbah, M. F. (2019). How is social capital converted to be economic capital? A case study from pesantren’s socio-economic projects. Al-Izzah: Jurnal Hasil-Hasil Penelitian, 14(1), 18. https://doi.org/10.31332/ai.v14i1.1240Kasdi, A. (2016). Filantropi Islam untuk pemberdayaan ekonomi umat (Model pemberdayaan ZISWAF di BMT Se-Kabupaten Demak). IQTISHADIA Jurnal Kajian Ekonomi Dan Bisnis Islam, 9(2), 227. https://doi.org/10.21043/iqtishadia.v9i2.1729Majid, R., & Agassi, B. A. (2017). HASBLE Card: Innovation on company funding using shari’ah venture capital toward halal industry in Indonesia. Journal of Islamic Finance, 6(Special Issue), 242–256. https://doi.org/10.12816/0047352Mardiyah, A., & Ryandono, M. N. H. (2016). Sistem tanggung renteng pada koperasi assakinal sebagai bentuk penerapan konsep ta’awun. 2(1), 79–94. https://doi.org/10.20473/vol7iss20202pp372-388Mohd Nawawi, M. S. A., Abu-Hussin, M. F., Faid, M. S., Pauzi, N., Man, S., & Mohd Sabri, N. (2019). The emergence of halal food industry in non-Muslim countries: A case study of Thailand. Journal of Islamic Marketing, 11(4), 917-931. https://doi.org/10.1108/JIMA-05-2018-0082Nusa, A. T. S., & Khoirudin, R. (2020). Analisis determinan PAD sub-sektor pariwisata di DIY tahun 2012-2017. 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