ABSTRACT: The purpose of this study was to analyze the effect of the variables on the lev... more ABSTRACT: The purpose of this study was to analyze the effect of the variables on the level of trust, the level of service quality, the level of religiosity, and the level of corporate image on customer loyalty in Bank Syariah Indonesia (BSI), a new bank resulting from the merger of three state-owned banks, namely BRI Syariah, BNI Syariah, and Mandiri Syariah. The study uses quantitative approaches with causality description techniques. The analysis technique used is Partial Least Square-Structural Equation Modeling (SEM-PLS) with a sample of 405 BSI customers. The results showed that the level of trust and religiosity had a positive effect on post-merger BSI customer loyalty. In addition, the level of service quality has no effect on customer loyalty after the merger. Meanwhile, the level of the corporate image did not moderate the effect of the level of trust, service quality, and religiosity on BSI customer loyalty after the merger. However, as a predictor, the level of t...
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi
Purpose -The purpose of this study is to examine the differences in non-performing financing and ... more Purpose -The purpose of this study is to examine the differences in non-performing financing and the factors that influence it in Islamic commercial banks in Southeast Asia, which include Islamic banks in Indonesia, Malaysia and Brunei Darussalam. Design / Methodology / Approach - The research method used is a comparative and verification method using panel data regression analysis using Eviews 9 software and SPSS. Findings - The results of the study indicate that the Return on Assets (ROA) variable has a negative and significant effect on non-performing financing, Operating Income Operating Expenses (BOPO) has no effect on non-performing financing, Gross Domestic Product (GDP) has a positive and significant effect and there are also differences in non-performing financing. in Islamic commercial banks in Southeast Asia. Practical Implications - Islamic commercial banks must consider various solutions and financing operations through analysis of both internal and external factors. Fo...
This study aims to see the intention of cash waqf in the Muslim community in Bandung Raya during ... more This study aims to see the intention of cash waqf in the Muslim community in Bandung Raya during the Covid-19 Pandemic and to see how the influence of Theory of Reasoned Action (TRA), namely subjective attitudes and norms with an additional level of religiosity and trust in institutions. The method used in this study is a quantitative approach with a causal descriptive design. The analytical tool used is Partial Least Square-Structural Equation Modeling (PLS-SEM) with the SmartPLS v application. 3.2.9. The subject of this study is the Muslim community in Bandung Raya with a total sample of 210 respondents. The results showed that attitudes, subjective norms, levels of religiosity and trust in institutions were in the high category. There are four variables that have a significant positive effect on the intention of the Muslim community in Bandung Raya to donate money during the Covid-19 pandemic, namely attitudes, subjective norms, level of religiosity and trust in institutions. The...
The purpose of the study is to analyze how empowering the infaq shodaqoh fund managed by the Mosq... more The purpose of the study is to analyze how empowering the infaq shodaqoh fund managed by the Mosque can have more added value to improve the welfare of the surrounding community. The research method used is qualitative with a Research and development approach. The results showed that the mosque not only functions as a place of worship but has a more special social and economic function in terms of empowerment. The infak shodaqoh fund, if appropriately managed and professionally, can improve the community's welfare. This is done by carrying out an empowerment model by the DKM management to be used as a revolving fund. Furthermore, this study implies that the infaq shodaqoh fund can improve people's welfare from an economic aspect. This is done by conducting an economic empowerment model.
This research is based on the phenomenon of the problem in which the subsidized Syariah KPR at Ba... more This research is based on the phenomenon of the problem in which the subsidized Syariah KPR at Bank BTN Syariah is still not on target and has not been utilized by the original debtor or owner. The houses are not occupied or diverted so that the government has not yet become effective in the subsidized Islamic KPR. The purpose of this study is to determine the pattern of the procedure for disbursement of subsidized Syariah mortgage financing at PT. Bank BTN Syariah Cirebon and to find out the level of effectiveness in disbursing subsidized sharia KPR financing to PT. Bank BTN Syariah Cirebon. The population in this study are customers of subsidized Syariah mortgage financing at PT. Bank BTN Syariah Cirebon. The sampling technique used was non-probability-purpose sampling of 96 respondents who had been determined using the Slovin formula. The research method used in this research is descriptive method with a quantitative approach. The data analysis technique used is SPSS 22. The resu...
This research is based on the problems that arise due to the increase of competitiveness in the h... more This research is based on the problems that arise due to the increase of competitiveness in the hijab industry. The issue includes aspects of the products, human resources and capital. The purpose of this research is to find a general overview about the veil's industry that exists in Cicalengka District. Furthermore, elaborate model of Shari’a Compliance in improving the competitiveness of Hijab industry in Cicalengka District, Bandung Regency.The method used in this research is Explanatory Research, while the research approach using descriptive quantitative with statistical tools descriptive. Data source is the craftsmen in the center of hijab industry in Cicalengka District, Regency Bandung. The result of this research shows that Cicalengka area is a very strategic area in the development of hood industry in west java region. As for the aspects of shari’a compliance and competitiveness, most of the craftsmen have not understood and implemented the values of shari’a compliance ...
Berdirinya Bank Syariah dan Lembaga Keuangan Syariah sesungghnya merupakan usaha untuk menerapkan... more Berdirinya Bank Syariah dan Lembaga Keuangan Syariah sesungghnya merupakan usaha untuk menerapkan Syariat Islam secara bertahap dan parsial dengan maksud mengatasi kelemahan umat ini dalam bidang ekonomi dan kesejahteraannya. Keberadaan Bank Syariah diharapkan mampu mewujudkan sistem perbankan yang kompetitif, efisien, dan memenuhi prinsip kehati-hatian serta mampu mendukung sektor riil secara nyata melalui kegiatan pembiayaan berbasis bagi hasil dan transaksi riil dalam kerangka keadilan, tolong menolong dan menuju kebaikan guna mencapai kemaslahatan masyarakat. Seiring dengan pertumbuhan perbankan syariah yang sangat pesat ternyata masih menyisakan permasalah. Permasalahan muncul ketika perkembangan market Share Bank Syariah di Indonesia belum memberikan hasil yang signifikan yakni masih di bawah 5% yaitu hanya sebesar 4.58%, padahal mayoritas dari masyarakat Indonesia adalah muslim. Berdasarkan hal itu, dengan mengacu terhadap beberapa teori dan penelitian-penelitian sebelumnya d...
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business)
This research aims to show the effect of the value of the halal label and celebrity endorser on p... more This research aims to show the effect of the value of the halal label and celebrity endorser on purchasing decisions for halal cosmetic products with religiosity as a moderating variable. The method uses descriptive quantitative by analyzing the responses to questionnaires distributed to 228 respondents in Indonesia. Based on previous research, four hypotheses were built, and the collected data were processed using a path analysis tool through the Smart PLS 3.3.3 application. The results showed that the halal label variable and celebrity endorser significantly affected purchasing decisions for halal cosmetic products, with religiosity as a moderating variable. Meanwhile, the religiosity variable does not moderate the effect of the halal label and celebrity endorser on the decision to purchase halal cosmetic products. This finding confirms that religiosity has not sufficiently strengthened the influence of the halal label and celebrity endorser on the decision to purchase halal cosme...
Purpose- This study aims to determine and analyze the effect of the halal awareness variable on I... more Purpose- This study aims to determine and analyze the effect of the halal awareness variable on Indonesian Muslim consumers on purchasing decisions at Shopee with religiosity as a moderating variable. Design/Methodology/Approach – Using quantitative descriptive methods, this study analyzes responses to questionnaires distributed to 264 respondents from Indonesia. To prove this hypothesis, the data collected was analyzed by partial least squares (SEM-PLS) using SmartPLS. Findings – This research shows that the Halal Awareness variable has a significant and significant effect on product purchasing decisions at Shopee with religiosity as a moderating variable. This finding confirms that halal awareness and religiosity factors are very important in encouraging Muslim consumers in Indonesia to make decisions to purchase halal products at Shopee. Practical Implication – In order to improve purchasing decisions in buying halal products in e-commerce, especially Shopee. then the role of the...
One of the factors affecting the economy today is a family company. More than 95% of businesses i... more One of the factors affecting the economy today is a family company. More than 95% of businesses in Indonesia are family owned. 85% of the majority Muslim population should be controlled by Muslims, but in fact 35% of non-Muslims can control the Indonesian economy, from trade to manufacturing. This study aims to determine how the implementation of Islamic entrepreneurship at PT Ma’soem. This research uses descriptive quantitative methods, the population is PT Ma’soem employees, with a sample of 100 people with non-probability sampling techniques. The instrument in this study used a questionnaire. The results of the study show that the implementation of Islamic entrepreneurship in a very good category is based on three diluted variables, namely the characteristics of Islamic entrepreneurship, the nature of Islamic entrepreneurship and aspects of blessing. Overall, the lowest dimension in getting an assessment is the nature of Islamic entrepreneurship, Islam has its own entrepreneurial...
The increasing population in Indonesia will have an impact on the increasing need for life, one o... more The increasing population in Indonesia will have an impact on the increasing need for life, one of which is the need for a home. KPR also comes with a sharia system without involving banks to meet the needs of the community in owning a house better known as Sharia Property. Therefore, the purpose of this research is to analyze whether there is an influence of price, environmental and religiosity factors on sharia property purchase decisions in Indonesia. The research method used is descriptive quantitative with technical data analysis using SEM-PLS method. The data of this research is processed from sharia property consumers in Indonesia amounting to 110 people. The results showed the price level, environmental level and religiosity level are in a high category. All of these variables have a positive influence so that it can influence sharia property purchase decisions. This research is expected to provide benefits for various parties in improving public understanding of Sharia prop...
ABSTRAK Penelitian ini dilatarbelakangi dengan bergulirnya konsep Gresham dan Fungsi turunan uang... more ABSTRAK Penelitian ini dilatarbelakangi dengan bergulirnya konsep Gresham dan Fungsi turunan uang yang menyebabkan uang telah mengalami pergeseran dari fungsi aslinya. Tulisan ini bertujuan untuk mendeskripsikan sekaligus merekonstruksi fungsi uang dalam pandangan Islam. Metode yang digunakan dalam penilitian ini adalah kualitatif dengan menggunakan literur review yang di ambil dari beberapa buku dan sumber bacaan yang relevan. Adapun hasil penelitian ini menyatakan bahwa dengan adanya teori Grasham, menyebabkan uang "baik" hilang dan tergantikan oleh uang yang "jelek". Hal ini berkorelasi dengan adanya fungsi turunan uang yang berdampak uang "baik" lebih banyak di timbun dan tidak beredar di masyarakat. Adapun perspektif Islam, aktivitas menimbun uang tidak dibenarkan dan bertentangan dengan dalil syara. Adapun fungsi uang hanya dua yaitu, satuan hitung dan sebagai alat tukar aktivitas. ABSTRACT This research is motivated by the rolling of the Gresham ...
ABSTRACT: The purpose of this study was to analyze the effect of the variables on the lev... more ABSTRACT: The purpose of this study was to analyze the effect of the variables on the level of trust, the level of service quality, the level of religiosity, and the level of corporate image on customer loyalty in Bank Syariah Indonesia (BSI), a new bank resulting from the merger of three state-owned banks, namely BRI Syariah, BNI Syariah, and Mandiri Syariah. The study uses quantitative approaches with causality description techniques. The analysis technique used is Partial Least Square-Structural Equation Modeling (SEM-PLS) with a sample of 405 BSI customers. The results showed that the level of trust and religiosity had a positive effect on post-merger BSI customer loyalty. In addition, the level of service quality has no effect on customer loyalty after the merger. Meanwhile, the level of the corporate image did not moderate the effect of the level of trust, service quality, and religiosity on BSI customer loyalty after the merger. However, as a predictor, the level of t...
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi
Purpose -The purpose of this study is to examine the differences in non-performing financing and ... more Purpose -The purpose of this study is to examine the differences in non-performing financing and the factors that influence it in Islamic commercial banks in Southeast Asia, which include Islamic banks in Indonesia, Malaysia and Brunei Darussalam. Design / Methodology / Approach - The research method used is a comparative and verification method using panel data regression analysis using Eviews 9 software and SPSS. Findings - The results of the study indicate that the Return on Assets (ROA) variable has a negative and significant effect on non-performing financing, Operating Income Operating Expenses (BOPO) has no effect on non-performing financing, Gross Domestic Product (GDP) has a positive and significant effect and there are also differences in non-performing financing. in Islamic commercial banks in Southeast Asia. Practical Implications - Islamic commercial banks must consider various solutions and financing operations through analysis of both internal and external factors. Fo...
This study aims to see the intention of cash waqf in the Muslim community in Bandung Raya during ... more This study aims to see the intention of cash waqf in the Muslim community in Bandung Raya during the Covid-19 Pandemic and to see how the influence of Theory of Reasoned Action (TRA), namely subjective attitudes and norms with an additional level of religiosity and trust in institutions. The method used in this study is a quantitative approach with a causal descriptive design. The analytical tool used is Partial Least Square-Structural Equation Modeling (PLS-SEM) with the SmartPLS v application. 3.2.9. The subject of this study is the Muslim community in Bandung Raya with a total sample of 210 respondents. The results showed that attitudes, subjective norms, levels of religiosity and trust in institutions were in the high category. There are four variables that have a significant positive effect on the intention of the Muslim community in Bandung Raya to donate money during the Covid-19 pandemic, namely attitudes, subjective norms, level of religiosity and trust in institutions. The...
The purpose of the study is to analyze how empowering the infaq shodaqoh fund managed by the Mosq... more The purpose of the study is to analyze how empowering the infaq shodaqoh fund managed by the Mosque can have more added value to improve the welfare of the surrounding community. The research method used is qualitative with a Research and development approach. The results showed that the mosque not only functions as a place of worship but has a more special social and economic function in terms of empowerment. The infak shodaqoh fund, if appropriately managed and professionally, can improve the community's welfare. This is done by carrying out an empowerment model by the DKM management to be used as a revolving fund. Furthermore, this study implies that the infaq shodaqoh fund can improve people's welfare from an economic aspect. This is done by conducting an economic empowerment model.
This research is based on the phenomenon of the problem in which the subsidized Syariah KPR at Ba... more This research is based on the phenomenon of the problem in which the subsidized Syariah KPR at Bank BTN Syariah is still not on target and has not been utilized by the original debtor or owner. The houses are not occupied or diverted so that the government has not yet become effective in the subsidized Islamic KPR. The purpose of this study is to determine the pattern of the procedure for disbursement of subsidized Syariah mortgage financing at PT. Bank BTN Syariah Cirebon and to find out the level of effectiveness in disbursing subsidized sharia KPR financing to PT. Bank BTN Syariah Cirebon. The population in this study are customers of subsidized Syariah mortgage financing at PT. Bank BTN Syariah Cirebon. The sampling technique used was non-probability-purpose sampling of 96 respondents who had been determined using the Slovin formula. The research method used in this research is descriptive method with a quantitative approach. The data analysis technique used is SPSS 22. The resu...
This research is based on the problems that arise due to the increase of competitiveness in the h... more This research is based on the problems that arise due to the increase of competitiveness in the hijab industry. The issue includes aspects of the products, human resources and capital. The purpose of this research is to find a general overview about the veil's industry that exists in Cicalengka District. Furthermore, elaborate model of Shari’a Compliance in improving the competitiveness of Hijab industry in Cicalengka District, Bandung Regency.The method used in this research is Explanatory Research, while the research approach using descriptive quantitative with statistical tools descriptive. Data source is the craftsmen in the center of hijab industry in Cicalengka District, Regency Bandung. The result of this research shows that Cicalengka area is a very strategic area in the development of hood industry in west java region. As for the aspects of shari’a compliance and competitiveness, most of the craftsmen have not understood and implemented the values of shari’a compliance ...
Berdirinya Bank Syariah dan Lembaga Keuangan Syariah sesungghnya merupakan usaha untuk menerapkan... more Berdirinya Bank Syariah dan Lembaga Keuangan Syariah sesungghnya merupakan usaha untuk menerapkan Syariat Islam secara bertahap dan parsial dengan maksud mengatasi kelemahan umat ini dalam bidang ekonomi dan kesejahteraannya. Keberadaan Bank Syariah diharapkan mampu mewujudkan sistem perbankan yang kompetitif, efisien, dan memenuhi prinsip kehati-hatian serta mampu mendukung sektor riil secara nyata melalui kegiatan pembiayaan berbasis bagi hasil dan transaksi riil dalam kerangka keadilan, tolong menolong dan menuju kebaikan guna mencapai kemaslahatan masyarakat. Seiring dengan pertumbuhan perbankan syariah yang sangat pesat ternyata masih menyisakan permasalah. Permasalahan muncul ketika perkembangan market Share Bank Syariah di Indonesia belum memberikan hasil yang signifikan yakni masih di bawah 5% yaitu hanya sebesar 4.58%, padahal mayoritas dari masyarakat Indonesia adalah muslim. Berdasarkan hal itu, dengan mengacu terhadap beberapa teori dan penelitian-penelitian sebelumnya d...
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business)
This research aims to show the effect of the value of the halal label and celebrity endorser on p... more This research aims to show the effect of the value of the halal label and celebrity endorser on purchasing decisions for halal cosmetic products with religiosity as a moderating variable. The method uses descriptive quantitative by analyzing the responses to questionnaires distributed to 228 respondents in Indonesia. Based on previous research, four hypotheses were built, and the collected data were processed using a path analysis tool through the Smart PLS 3.3.3 application. The results showed that the halal label variable and celebrity endorser significantly affected purchasing decisions for halal cosmetic products, with religiosity as a moderating variable. Meanwhile, the religiosity variable does not moderate the effect of the halal label and celebrity endorser on the decision to purchase halal cosmetic products. This finding confirms that religiosity has not sufficiently strengthened the influence of the halal label and celebrity endorser on the decision to purchase halal cosme...
Purpose- This study aims to determine and analyze the effect of the halal awareness variable on I... more Purpose- This study aims to determine and analyze the effect of the halal awareness variable on Indonesian Muslim consumers on purchasing decisions at Shopee with religiosity as a moderating variable. Design/Methodology/Approach – Using quantitative descriptive methods, this study analyzes responses to questionnaires distributed to 264 respondents from Indonesia. To prove this hypothesis, the data collected was analyzed by partial least squares (SEM-PLS) using SmartPLS. Findings – This research shows that the Halal Awareness variable has a significant and significant effect on product purchasing decisions at Shopee with religiosity as a moderating variable. This finding confirms that halal awareness and religiosity factors are very important in encouraging Muslim consumers in Indonesia to make decisions to purchase halal products at Shopee. Practical Implication – In order to improve purchasing decisions in buying halal products in e-commerce, especially Shopee. then the role of the...
One of the factors affecting the economy today is a family company. More than 95% of businesses i... more One of the factors affecting the economy today is a family company. More than 95% of businesses in Indonesia are family owned. 85% of the majority Muslim population should be controlled by Muslims, but in fact 35% of non-Muslims can control the Indonesian economy, from trade to manufacturing. This study aims to determine how the implementation of Islamic entrepreneurship at PT Ma’soem. This research uses descriptive quantitative methods, the population is PT Ma’soem employees, with a sample of 100 people with non-probability sampling techniques. The instrument in this study used a questionnaire. The results of the study show that the implementation of Islamic entrepreneurship in a very good category is based on three diluted variables, namely the characteristics of Islamic entrepreneurship, the nature of Islamic entrepreneurship and aspects of blessing. Overall, the lowest dimension in getting an assessment is the nature of Islamic entrepreneurship, Islam has its own entrepreneurial...
The increasing population in Indonesia will have an impact on the increasing need for life, one o... more The increasing population in Indonesia will have an impact on the increasing need for life, one of which is the need for a home. KPR also comes with a sharia system without involving banks to meet the needs of the community in owning a house better known as Sharia Property. Therefore, the purpose of this research is to analyze whether there is an influence of price, environmental and religiosity factors on sharia property purchase decisions in Indonesia. The research method used is descriptive quantitative with technical data analysis using SEM-PLS method. The data of this research is processed from sharia property consumers in Indonesia amounting to 110 people. The results showed the price level, environmental level and religiosity level are in a high category. All of these variables have a positive influence so that it can influence sharia property purchase decisions. This research is expected to provide benefits for various parties in improving public understanding of Sharia prop...
ABSTRAK Penelitian ini dilatarbelakangi dengan bergulirnya konsep Gresham dan Fungsi turunan uang... more ABSTRAK Penelitian ini dilatarbelakangi dengan bergulirnya konsep Gresham dan Fungsi turunan uang yang menyebabkan uang telah mengalami pergeseran dari fungsi aslinya. Tulisan ini bertujuan untuk mendeskripsikan sekaligus merekonstruksi fungsi uang dalam pandangan Islam. Metode yang digunakan dalam penilitian ini adalah kualitatif dengan menggunakan literur review yang di ambil dari beberapa buku dan sumber bacaan yang relevan. Adapun hasil penelitian ini menyatakan bahwa dengan adanya teori Grasham, menyebabkan uang "baik" hilang dan tergantikan oleh uang yang "jelek". Hal ini berkorelasi dengan adanya fungsi turunan uang yang berdampak uang "baik" lebih banyak di timbun dan tidak beredar di masyarakat. Adapun perspektif Islam, aktivitas menimbun uang tidak dibenarkan dan bertentangan dengan dalil syara. Adapun fungsi uang hanya dua yaitu, satuan hitung dan sebagai alat tukar aktivitas. ABSTRACT This research is motivated by the rolling of the Gresham ...
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