AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah

ANALYSIS OF THE FACTORS AFFECTING STUDENTS’ INTEREST IN A CAREER IN SYARIAH BANKING

Yeni Kustina — 2024-06-30

The large number of graduates of the Sharia Banking Study Program who need to be more absorbed in the world of work according to their field of expertise is the core problem in this research. This research intends to analyze in depth the factors that influence students’ interest in pursuing a career in Sharia banking, a study on students of the Sharia Banking Study Program at UIN K.H. Abdurrahman Wahid Pekalongan. The method used in this research is a quantitative approach with an associative type. This research was conducted in the Sharia Banking Department, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan. This research will take place in 2023. The population of this research is active students of the Sharia Banking Department, UIN K.H. Abdurrahman Wahid, class of 2018-2020, with a total of 408 students. Sampling used a purposive sampling technique. The sample criteria selected were active students from Class 2018-2020, Department of Sharia Banking, UIN K.H. Abdurrahman Wahid Pekalongan, who have carried out Field Experience Practices at Sharia Financial Institutions totaling 80 students. The data collection technique uses a questionnaire. Data analysis methods use instrument tests (validity tests and reliability tests), classical assumption tests (data normality tests and multicollinearity tests), heteroscedasticity tests, multiple linear regression tests, and hypothesis tests (t-test (partial); f test (simultaneous); and determinant coefficient test (R2)). This research concludes that partial self-efficacy, financial appreciation, and social values positively and significantly affect students’ interest in pursuing a career in Sharia banking. Job market considerations partially do not have a positive and significant effect on students’ interest in pursuing a career in sharia banking. Based on the results of the F test, it is stated that the variables of self-efficacy, financial rewards, and job market considerations simultaneously have a positive and significant effect on students’ interest in pursuing a career in Sharia banking.

ANALYSIS OF INVESTOR BEHAVIOR IN THE ETHICAL REVIEW OF SHARIA ECONOMIC LAW

Anas Bayan Mubarok — 2024-06-30

This research aims to analyze investor behavior in reviewing the ethics of sharia economic law. This research includes library research using descriptive analytical research methods with a qualitative approach. The data analysis technique is carried out in three stages, namely data reduction, data presentation and conclusions. The results of this research reveal that in securities trading on the Sharia Capital Market it is still possible for behavior or actions to occur that violate professional ethics and existing rules. The two main actors who play a role in securities trading practices in the Sharia Capital Market are the behavior of issuers and investors. There are several deviant activities in securities trading practices in the Sharia Capital Market, namely: first, Fraud, this fraudulent act can include the behavior of Misleading information, Pooling interest, and Alternate trade. Second, market manipulation, including the practice of: Wash sale, Pre-arrange trade, Pump and Dump, Hype and Dump, Creting fake demand/supply), Cornering, and Marking at the close. Third, the use of insiders can be in the form of insider trading and front running. Some of these investors' behavior is not in accordance with the ethics of the sharia economics profession which can lead to unhealthy sharia capital market business behavior.

DIGITAL FINANCIAL LITERACY AMONG RECIPIENTS OF THE FAMILIY HOPE PROGRAM ASSISTANCE FUNDS

nanda safarida — 2024-06-30

Penelitian ini bertujuan untuk mengetahui tingkat literasi dan efektifitas penerapan digital finance pada masyarakat penerima manfaat Program Keluarga Harapan (PKH). Metode penelitian yang digunakan dalam penelitian ini adalah dengan pendekatan deskriptif kualitatif. Penelitian ini adalah jenis penelitian lapangan (field research) dengan teknik pengumpulan data dilakukan dengan observasi dan wawancara dengan Kepala Desa Meunasah Teungoh, sembilan orang orang penerima manfaat PKH di Gampong Meunasah Teungoh dan satu orang Pendamping PKH. Hasil penelitian menunjukkan bahwa masyarakat penerima manfaat PKH belum memiliki literasi digital finance yang memadai. Hal tersebut terutama ditunjukkan pada tahap pencairan dana bantuan. Dalam proses pencairan dana PKH yang dilakukan setiap 3 bulan sekali atau 4 kali pencairan dalam setahun, penerima manfaat PKH sama sekali tidak pernah melakukan transaksi melalui mesin ATM dan tidak pernah berhubungan langsung dengan pihak Bank. Ini terjadi karena adanya keringanan untuk dapat diwakilkan kepada pihak lain yang dalam hal ini sering dipercayakan kepada pendamping PKH. Akibatnya penerima dana bantuan PKH sangat bergantung pendamping PKH. Peraturan dan kebijakan pemerintah terhadap penyaluran dana bantuan PKH melalui bank dan keberadaan pendamping PKH merupakan salah satu upaya untuk literasi digital finance kepada masyarakat penerima bantuan PKH. Namun, di lain pihak keringanan yang diberikan melalui pencairan dengan perwakilan kepada pihak lain dan kurangnya sosialisasi penggunaan digital finance berakibat pada tidak efektifnya penerapan digital finance pada masyarakat penerima bantuan sosial PKH di Gampong Meunasah Teungoh.

SWOT ANALYSIS OF EASY WADI'AH SAVINGS PRODUCTS AT BANK SYARIAH INDONESIA (BSI) RADEN FATAH BRANCH BATAM

Neri Aslina — 2024-06-30

This research aims to analyze the strengths, weaknesses, opportunities and threats of the Easy Wadi'ah savings product at Bank Syariah Indonesia (BSI) Raden Fatah Batam Branch. The method used in this research is SWOT analysis, which provides a comprehensive framework for evaluating various internal and external factors that influence the performance of this savings product. The analysis results show that the Easy Wadi'ah savings product has several strengths, including superiority in the sharia principles adopted, ease of access and use, and adequate technological support. However, there are also several weaknesses such as limited additional features compared to conventional products and a lack of effective promotion. Opportunities that can be exploited include increasing public awareness of sharia banking products and large market potential in the Batam area. On the other hand, the threats faced include tight competition with savings products from other banks and changes in sharia banking regulations which could affect product operations. By understanding these strengths, weaknesses, opportunities and threats, it is hoped that Bank Syariah Indonesia (BSI) Raden Fatah Batam Branch can formulate appropriate strategies to increase competitiveness and customer loyalty towards Easy Wadi'ah savings products.

OPTIMIZATION OF QARD FINANCING IN MICRO BUSINESS DEVELOPMENT AT BWM AL-ANSHOR PEDULI AMBON

Mohammad H Holle — 2024-06-30

The research aims to determine the optimization of qard financing in the development of micro businesses at the Al-Anshor Peduli Ambon Micro Waqf Bank. This research uses field studies with a case study approach. The data collection technique uses observation, interviews and documentation. Data is collected then processed and analyzed using a descriptive-qualitative mindset with a deductive nature. Research results: 1. Optimization of qard financing at the Al-Anshor Peduli Ambon Micro Waqf Bank was carried out in groups consisting of 15-25 members. These business actors then apply for financing in the form of loans with a value of IDR 1 million up to a maximum limit of IDR 3 million without any collateral or collateral. This financing is then tied into a contract or financing agreement called qard. To overcome bottlenecks, member financing installments are carried out jointly. 2. Qard financing at the Al-Anshor Peduli Ambon Micro Waqf Bank has had a positive impact on business development for micro business actors who take out this financing. Either to add working capital to cover the lack of funds needed by customers or to start a business or in order to develop the business of micro business actors in the city of Ambon using qard contracts.

ANALYSIS OF THEORY OF PLANNED BEHAVIOR ON INTEREST IN PRODUCT LABELIZATION ON THE BEHAVIOR OF MEAT TRADERS IN TIMUR ACEH DISTRICT

fuadi fuadi — 2024-06-30

Penelitian ini bertujuan untuk mengetahui minat pedagang daging dalam melakukan labelisasi halal dengan menggunakan Theory of Planned Behavior (TPB). Teknik pengambilan sampel menggunakan teknik sensus sampling. Jumlah sampel sebanyak 30 pedagang yang berada di Kec. Aceh Timur. Data penelitian dianalisis dengan menggunakan PLS-SEM (Partial Least Square – Structural Equation Modeling) dengan perangkat lunak SmartPLS 4. Hasil penelitian menunjukkan bahwa Sikap (X1) berpengaruh positif dan signifikan terhadap minat penglabelisasian produk pada perilaku pedagang daging di Kec.Aceh Timur, Norma Subyektif (X2) berpengaruh positif dan signifikan terhadap minat penglabelisasian produk pada perilaku pedagang daging di Kec.Aceh Timur, dan Kontrol Perilaku (X3) tidak berpengaruh positif dan signifikan terhadap minat penglabelisasian produk pada perilaku pedagang daging di Kabupaten Aceh Timur.