- Research Article
- 10.29040/jiei.v10i2.14169
- Jul 27, 2024
- Jurnal Ilmiah Ekonomi Islam
- Agus Marimin + 2 more
This study aims to determine the effect of entrepreneurial, environmental and e-commerce knowledge on the interest of AAS Indonesia Institute of Business Technology (ITB) students in Sharia online business. This research is a quantitative study with a population of Islamic Economics study program students at the AAS Indonesia Institute of Business Technology (ITB), samples were taken using the slovin formula and the sampling used non-probability sampling technique. Data analysis using multiple linear regression. This study explains that the t test on the entrepreneurial knowledge variable has a t count of 3,533 > 1,99495 and sig α (0,001 1,99495 and sig α (0,02
- Research Article
- 10.29040/jiei.v10i2.14282
- Jul 26, 2024
- Jurnal Ilmiah Ekonomi Islam
- Agung Hidayatulloh + 1 more
This research is a type of quantitative research with a cross-sectional study design. The aim of this research is to analyze the influence of Machiavellianism on counterproductive work behavior in student organizations. Research data was obtained through questionnaire answers given to a research sample of 211 respondents which was then confirmed again through other significant data. Data analysis uses linear regression analysis test techniques. The research results show that Machiavellianism has a positive influence on counterproductive work behavior. Machiavellianism influences counterproductive work behavior with level of p=.000 (
- Research Article
- 10.29040/jiei.v10i2.14292
- Jul 26, 2024
- Jurnal Ilmiah Ekonomi Islam
- Muhammad Afif Syaifur Rohman + 2 more
The Indonesian government has implemented the Family Hope Program since 2007, in an effort to accelerate poverty reduction. PKH companions are one of the determinants of achieving success in programs that are carried out intensively and sustainably. Facilitators are not fully able to resolve problems that exist between KPM PKH or between companions and KPM PKH. The aim of this research is to find out how the implementation of assistance to KPM PKH improves the social welfare of the Adiluwih Village community and what are the supporting and inhibiting factors for the effectiveness of implementing assistance to KPM PKH in Adiluwih Village. This research is field research using qualitative research methods with a descriptive approach. Data collection techniques through observation, interviews and documentation. The results of this research explain that the assistants in implementing PKH in Adiluwih Village have been effective. The research results show that PKH facilitators have effectively implemented empowerment programs for PKH KPMs in the form of; Program to develop interest in learning through Tutoring, Limited Land Utilization Program, and Family Capacity Building Meeting Program (P2K2). As for the supporting factors for the effectiveness of the implementation of mentoring, namely that the companion has good skills in communicating with the community and recipients of PKH assistance because the companion has attended Social Worker education and training and the companion has been certified as a Professional Social Worker, making it easier for the companion to provide understanding and solve problems. problems faced by the community during the process of implementing the Family Hope Program assistance. Meanwhile, the factor inhibiting the effectiveness of the implementation of mentoring is that PKH facilitators find it difficult to allocate their time to each implementation of empowerment program monitoring activities because the assisted area is too large and there are still KPMs who are not present during the socialization of the program being implemented.
- Research Article
- 10.29040/jiei.v10i2.12640
- Jul 26, 2024
- Jurnal Ilmiah Ekonomi Islam
- Eko Suprayitno + 2 more
Tujuan dari penelitian ini adalah untuk mengetahui bagaimana pola dan implementasi pendistribusian dana ZISWAF dalam rangka pemulihan daerah pasca bencana erupsi gunung semeru. Penelitian ini menggunakan pendekatan kualitatif, dengan pengumpulan data melalui wawancara, observasi, dan dokumentasi serta melakukan uji validitas melalui triangulasi sumber dan teknik. Analisa datanya melalui tiga tahap: reduksi data, penyajian data, dan penarikan kesimpulan. Dari hasil penelitian menunjukkan bahwa terdapat pelaksanaan program yang berjalan dengan baik di BAZNAS Lumajang. Hal ini dapat dilihat dari hasil yang telah dapat dirasakan oleh masyarakat setelah pelaksanaan program, mulai dari tahap awal penanggulangan sampai dengan pemulihan. Disamping itu, terjalinnya kerjasama dan sinergi antara pemerintah daerah, DPRD dan Baznas dalam upaya pemulihan pasca bencana tersebut. Sehingga Program-program yang dilaksanakan bisa saling mengisi, terintegrasi dan berdampak luas kepada masyarakat
- Research Article
- 10.29040/jiei.v10i2.13348
- Jul 26, 2024
- Jurnal Ilmiah Ekonomi Islam
- Mabruroh Mabruroh + 2 more
The development of Islamic banking in Indonesia today has experienced a rapid increase both in quantity and quality. As an institution that operates based on sharia principles, Islamic banks have different characteristics and assessments of financial performance from conventional banks. Islamicity Performance Index is one of the new concepts as a method that can be used to evaluate the performance of Islamic banks which are not only financially but also able to evaluate the principles of fairness and halalness of an Islamic banking.This study aims to reveal the application of sharia principles to the performance of Islamic Commercial Banks in Indonesia for the 2017-2020 period by using the Islamicity Performance Index. The ratios used are Profit Sharing Ratio, Zakat Performance Ratio, Equitable Distribution Ratio, Directors-Employees Welfare Ratio, Islamic Investment Vs Non-Islamic Investment, Islamic Income Vs Non-Islamic Income and the AAOIFI Index. The data used in this research is secondary data. The population of this study is all Islamic Commercial Banks in Indonesia for the 2017-2020 period, with a sample of five banks. Sampling was carried out using purposive sampling method. From the results of this study, it was found that the performance of Islamic banks can be said to be "unsatisfactory" because they have implemented profit sharing in accordance with Islamic rules and sharia, although the share of profit sharing is still lower than other financing. Islamic banks in issuing zakat are still not maximal, namely below 1%. In distribution to stakeholders, Islamic banks have issued qards and donations, providing employee salaries and net income which are still not felt by the benefits of the stakeholders. In the comparison of the average salary of directors with the average salary of employees, there is a difference in the average salary which is too high so that justice must be upheld in Islamic institutions to reduce the gap between directors and employees. Islamic Commercial Banks invest their funds in the halal sector with a ratio yield of 100% and already have 99% income from halal income. Shariah principles set by AAOIFI as a whole have been fulfilled by Sharia Commercial Banks in terms of promotion costs, risk-weighted assets, non-performing financing, interest-free income, profitability and distribution of zakat, although many of these points have not been maximized. The conclusion is that Islamic Commercial Banks in Indonesia still need to evaluate their performance for a better future.
- Research Article
- 10.29040/jiei.v10i2.13103
- Jul 26, 2024
- Jurnal Ilmiah Ekonomi Islam
- Muhammad Iqbal Luqyanfalah Winayaputra + 1 more
The Indonesian culinary business market is becoming increasingly competitive. Therefore, business owners need to understand the factors that influence consumers' repurchase intention. This research focuses on service quality, product variety, and islamic store atmosphere to understand their impact on value equity and repurchase intention. A quantitative approach was used for the study, with data collected through a survey of a sample of 200 consumers of SFA Steak & Resto Klodran. The data collection method was a questionnaire survey. Statistical analysis, including linear regression and mediation, was used to test the relationship between the variables under study. The results indicate service quality and product variety have a positive and significant effect on value equity, while the islamic store atmosphere has a positive but insignificant effect. Additionally, value equity has a positive and significant influence on repurchase intention. Value equity moderates the relationship between service quality and product variety with repurchase intention, but does not moderate the relationship between islamic store atmosphere and repurchase intention.
- Research Article
- 10.29040/jiei.v10i2.12581
- Jul 26, 2024
- Jurnal Ilmiah Ekonomi Islam
- Ledi Diana
Penelitian ini bertujuan untuk mengetahui faktor-faktor, kendala serta penerapan kebijakan penyebab restructuring, reconditioning, rescheduling dalam penyelesaian pembiayaan bermasalah di Bank Syariah Indonesia Kantor Cabang Pembantu Muara Bulian. Penelitian ini menggunakan metode kualitatif melalui observasi, wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa: 1) Faktor penyebab pembiayaan masalah di Kantor Bank Syariah Indonesia KCP Muara Bulian, cukup banyak yaitu: a) Faktor dari nasabah (seperti menurunnya usaha dan manajemen keuangan); b) Faktor dari Bank (seperti kesalahan analisa usaha, maintenance nasabah yang kurang tepat, dan pembiayaan yang salah); c) Faktor dari luar (seperti kebijakan pemerintah dan peristiwa atau tragedi bencana alam); 2) Penerapan kebijakan Restructuring, Reconditioning, Rescheduling dalam penyelesaian pembiayaan bermasalah di Bank Syariah Indonesia Kantor Cabang Pembantu Muara Bulian, antara lain melalui a) Penagihan; b) 3R (Restructuring, Reconditioning, Rescheduling); c) Lelang Hak Tanggungan; 3) Kendala pelaksanaan kebijakan dalam penyelesaian pembiayaan bermasalah di Bank Syariah Indonesia Kantor Cabang Pembantu Muara Bulian antara lain: a) pihak nasabah sulit sekali menyelasaikan administrasinya sesuai dengan waktu yang telah ditentukan; b) debitur mampu memenuhi kewajiban, namun sengaja tidak menyelesaikan dan terkesan lari dari masalah; c) keterlambatan pembayaran terjadi karena kesalahan administratif atau karena nasabah lupa untuk melakukan pembayaran tepat waktu; d) Nasabah tidak sepenuhnya memahami kapan dan bagaimana harus membayar kredit; e) gangguan dalam transaksi perbankan elektronik dapat menyebabkan keterlambatan pembayaran; f) Terjadinya peristiwa tidak terduga di kehidupan nasabah.
- Research Article
- 10.29040/jiei.v10i2.13722
- Jul 26, 2024
- Jurnal Ilmiah Ekonomi Islam
- Ruslan A Kamis + 2 more
The human aspect is essential in achieving organizational goals because satisfied employees will perform harder and more productively, allowing companies to gain a competitive advantage. This research aims to identify the elements that influence employee work satisfaction at Bank Syariah Indonesia in Ternate. Employees of Bank Syariah Indonesia in Ternate were the subject of the study. This is a quantitative analysis of the total population of all Bank Syariah Indonesia employees in Ternate. According to the study's findings, leadership has a favorable impact on employee work satisfaction. Islamic work principles improve Employee Job satisfaction. Employee compensation moderates leadership and has little effect on employee work satisfaction. Employee Job satisfaction is influenced by Islamic work principles, moderated by employee compensation. Work ethics in Islam have an excellent impact on religion. Employee Job satisfaction is positively influenced by religion. Islamic work principles, as mediated through religion, impact employee job satisfaction.
- Research Article
- 10.29040/jiei.v10i2.13259
- Jul 26, 2024
- Jurnal Ilmiah Ekonomi Islam
- Sakum Sakum + 3 more
This study aims to determine the marketing strategy of Batara Hajj and Umrah iB. The type of research conducted by theauthor is field research (field research) with data collection methods using interviews, observation and documentation. While the technical analysis of the data used is a qualitative approach using SOAR analysis. SOAR analysis is used for the startegic planning process that can be usedby the company. The result of this study indicate that after a SOAR analysis wa carried out at Islamic Bank Tabungan Negara Syariah, it was found to be effevtive in marketing Batara Hajj and Umrah iB, but seeing that there are still large opportunitiesopen along with the many competitors with similar product, the need for strong benefits is needed so as to achieve good marketing.
- Research Article
- 10.29040/jiei.v10i2.13083
- Jul 26, 2024
- Jurnal Ilmiah Ekonomi Islam
- Masyita Wulandari
This research aims to find out how big the influence of financing is Mudharabah, Problematic Financing, Capital Adequacy Ratio and Financing to Deposits to Return on Assets Ratio with Third Party Funds as Moderating Variables in Sharia Commercial Banks in Indonesia. The data analysis method used is quantitative with secondary data in the form of annual financial reports of Sharia Commercial Banks in Indonesia. 2018-2022 with a population of 14 Sharia Commercial Banks and 7 banks that meet the criteria. Sample selection uses the Purposive Sampling. The data analysis used is panel data regression withEviews 12. The results of this research show partially that Financing Mudharabah does not have a significant effect on return on assets, Problematic Financing does not have a significant effect on return on assets, capital adequacy ratio does not have a significant effect on return on assets, financing to savings ratio does not have a significant effect on return on assets. And Financing Mudharabah, Problematic Financing, capital adequacy ratio, and financing to savings ratio simultaneously have no effect on asset returns. Meanwhile, Third Party Funds do not moderate the influence of Financing Mudharabah on asset returns, Third Party Funds do not moderate the Effect of Problematic Financing on asset returns, and Third Party Funds do not moderate the Effect of capital adequacy ratios on asset returns. However, Third Party Funds can moderate the influence of the financing to savings ratio on asset returns.