Islamic Economics, Finance, and Banking Review

THE ROLE OF AFFECTIVE ATTITUDE AS A MEDIATOR BETWEEN RELIGIOSITY AND PURCHASE INTENTION ON ISLAMIC BANK

Sulis Riptiono — Tue, 24 Aug 2021 00:00:00 +0000

This research examines the affective attitude as a mediator between religiosity and consumer purchase intentions of Islamic bank products. This study was located in Kebumen using 100 people as a sample taken using the purposive sampling technique. The collected data were processed using SPSS and analyzed using path analysis with the Sobel test. The findings of this study indicate that significant and positive religiosity towards affective attitude and purchase intention and affective attitude is also proven to be critical factors in increasing purchase intention. In addition, this study also confirms that affective attitude is established as a mediating variable for the relationship between religiosity and consumer purchase intention of Islamic bank products.

IMPACT OF EARNINGS AND DEBT INFORMATION ON INVESTOR BEHAVIOR

Sunu Prasetya Adi, Multazam Mansyur Addury — Tue, 24 Aug 2021 00:00:00 +0000

Information from company publications can be an initial signal for investors to buy shares in the company. The earnings information can be an indicator for investors to assess and predict profits for companies and investors in the future. This study aims to analyze the impact of earnings and debt information on investor behavior in buying shares. This study uses the LQ45 company object on the Indonesia Stock Exchange. The data used in the form of annual from 2014 to 2018. Research data analysis techniques used are descriptive analysis and panel data regression. The results found that the earnings information variable measured by net profit has a positive and significant effect on investor behavior as measured by the company's sales volume at a significance level of 5%. The debt information variable measured by DER has no significant effect on investor behavior as measured by the company's sales volume.

PRIORITAS BELANJA DANA KELURAHAN PADA DANA ALOKASI UMUM (DAU) TAMBAHAN KELURAHAN KEBUN BUNGA KOTA BANJARMASIN

Ryan Akhmad Rizki, Sri Maulida — Tue, 24 Aug 2021 00:00:00 +0000

Penelitian ini bertujuan untuk (1) mengetahui belanja kelurahan pada dana kelurahan Kebun Bunga Kecamatan Banjarmasin Timur, dan (2) mengetahui prioritas belanja kelurahan dalam membangun kelurahan Kebun Bunga.

Responden dalam penelitian ini ada 6 responden yang dianggap berpengaruh terhadap penentuan belanja kelurahan di Kelurahan Kebun Bunga yang digunakan dalam pengolahan data menggunakan metode AHP (Analytical Hierarchy Process).

Hasil penelitian ini menunjukkan bahwa kriteria alternatif Renstra Kecamatan, Sumber Daya Manusia (SDM), Kinerja Sebelumnya, dan Manfaat Kegiatan mempengaruhi penentuan prioritas belanja kelurahan dengan urutan nilai preferensi 28% Renstra Kecamatan, 17% Sumber Daya Manusia (SDM), 7% Kinerja Sebelumnya, dan 47% Manfaat Kegiatan. Berdasarkan kriteria alternatif tersebut preferensi pemilihan prioritas belanja Kelurahan adalah Sarana dan prasarana kelurahan 69%, dan pemberdayaan masyarakat 31%. Dengan kesimpulan yang paling dominan adalah sarana dan prasarana sebesar 69%.

ANALISIS PERBEDAAN RETURN SAHAM SEBELUM & SESUDAH HARI RAYA IDUL FITRI DAN IDUL ADHA

Revo Gilang Firdaus — Tue, 24 Aug 2021 00:00:00 +0000

Penelitian ini bertujuan untuk menganalisis perbedaan return saham sebelum dan sesudah hari raya idul fitri serta idul adha pada Indeks Saham Syariah Indonesia (ISSI) pada periode 2016 â€“ 2020. Metode yang digunakan adalah dengan mengobservasi harga saham sebelum dan sesudah hari raya idul fitri serta idul adha pada ISSI yang kemudian dilanjutkan dengan melakukan statistik deskriptif, uji normalitas menggunakan Shapiro Wilk, Uji Wilcoxon Signed Rank, dan Paired Sample t-test menggunakan software SPSS versi 22. Hasil menunjukkan bahwa data tidak terdistribusi normal pada X2/return setelah idul fitri. Maka return saham sebelum dan sesudah hari raya idul fitri dilakukan menggunakan uji Wilcoxon Signed Rank dengan signifikansi sebesar 0,08 yang berarti tidak terdapat perbedaan return saham sebelum dan sesudah hari libur idul fitri. Sedangkan hasil X3 dan X4 menunjukkan data terdistribusi normal sehingga uji yang dilakukan adalah Paired t-test. Nilai signifikansi didapatkan 0,187 yang berarti tidak terdapat perbedaan return saham sebelum dan sesudah hari libur idul adha.

Penelitian ini bertujuan untuk menganalisis perbedaanÂ returnÂ saham sebelum dan sesudah hari raya idul fitri serta idul adha pada Indeks Saham Syariah Indonesia (ISSI) pada periode 2016 â€“ 2020. Metode yang digunakan adalah dengan mengobservasi harga saham sebelum dan sesudah hari raya idul fitri serta idul adha pada ISSI yang kemudian dilanjutkan dengan melakukan statistik deskriptif, uji normalitas menggunakanÂ Shapiro Wilk, UjiÂ Wilcoxon Signed Rank, danÂ Paired Sample t-testÂ menggunakanÂ softwareÂ SPSS versi 22. Hasil menunjukkan bahwa data tidak terdistribusi normal pada X2/returnÂ setelah idul fitri. MakaÂ returnÂ saham sebelum dan sesudah hari raya idul fitri dilakukan menggunakan uji Wilcoxon Signed Rank dengan signifikansi sebesar 0,08 yang berarti tidak terdapat perbedaanÂ returnÂ saham sebelum dan sesudah hari libur idul fitri. Sedangkan hasil X3 dan X4 menunjukkan data terdistribusi normal sehingga uji yang dilakukan adalah Paired t-test. Nilai signifikansi didapatkan 0,187 yang berarti tidak terdapat perbedaanÂ returnÂ saham sebelum dan sesudah hari libur idul adha.

CUSTOMER RELATIONSHIP MANAGEMENT GRAMEEN BANK PRODUCT FOR EMPOWERING WOMEN ENTREPRENEURS DURING THE COVID-19 PANDEMIC

Nada Arina Romli, Khairunnisa Rosdiani — Tue, 24 Aug 2021 00:00:00 +0000

Introduction to The Problem:Â The Covid-19 pandemic has increased extreme poverty in Indonesia. The economic sector is also hampered, as a result many husbands have lost their jobs due to layoffs or died due to Covid-19, so many women are forced to become the backbone to support their families. Grameen Bank PMD product is one of the solutions offered by Islamic Banks to help mothers become entrepreneurs to help the family economy.

Purpose:Â The purpose of this study was to analyze theÂ Customer Relationship ManagementÂ conducted by Bank Syariah in penetrating the market.

Methodology:Â This research qualitative descriptive research, with a constructivist para-digm, and a research approach using case studies and analyse by the symbolic interation by George Herbert Mead. Data collectiontechniques used were study interview, observation,Â Â literature study journal and reporting news. The sampling technique used in this study was the purposive sampling technique.

Findings:Â The results of this study indicate that the marketing model used is the 360 degree marketing model. (1) Development of the SME community. This community development begins by utilizing opinion leaders to gather women SMEs in the neighborhood who are interested in the training. They hold a meeting (PRS) every 2 weeks to be educated about the products offered as well as entrepreneurship education. Furthermore, the community was given a short training for 2 weeks to see their enthusiasm and seriousness in doing business. Furthermore, individual and group assessments are carried out to see whether the fostered group is worthy of obtaining business funding (2) The use of opinion leaders to persuade people around them to be interested in participating in the PMD program. Opinion leaders used are the head of the PKK, the head of the RT, RW or village apparatus. (3) Market penetration is also carried out through digital marketing, namely by utilizing the community whatsapp group..

THE OPTIMIZATION OF SHARIA FINANCIAL INSTITUTION AS AGENT OF SALE FOR SUKUK PRODUCT

Trimulato Trimulato, Ismawati Ismawati — Tue, 24 Aug 2021 00:00:00 +0000

The development of sharia financial products is increasingly numerous and varied, choices are not only for savings products from sharia banking but also in the form of investment. Investment products can be the community's choice in using sharia financial products, with easier and more profitable access. One of the sharia financial products that can be used as a container for investment is sharia bonds or Sukuk products. Every year the government issues Sukuk as a means of investment for people who want higher returns from savings and deposits. It's just that the distribution of Sukuk is still dominated by conventional financial institutions. The purpose of this study is to determine the development of state Sukuk, and efforts to optimize sharia financial institutions as distribution agents for the sale of state Sukuk products. Type of research used in this research is qualitative research, the data source used is secondary data. Data collection is used through data collection from institutions that are considered relevant to the research. The data analysis technique used in this research is descriptive qualitative.Â Results showed development state Sukuk in 2019 had succeeded in reaching 100 percent of the planned, namely 258.275 trillion. The issuance of SBSN type of Sukuk Ritel (SR) growth in 2019 has increased by 46,07 percent.Â Marketing of Sukuk products needs to be done through sharia financial institutions, to maintain the collapse of the Sukuk products, to convince the public that the Sukuk products are sharia products that can be obtained by sharia financial institutions. Product marketing through sharia financial institutions will also further introduce the existence of sharia financial institutions and can improve services to the public.