Journal of Management and Islamic Finance

A DATA-DRIVEN ANALYSIS OF THE IMPACT OF THE DIGITAL RENMINBI ON MULTILATERAL CURRENCY SWAP AGREEMENTS WITH COUNTRIES IN THE ISLAMIC WORLD

Shanxuan Yu — 2023-12-30

China was once among the world's poorest countries, but during the past forty years, it has turned into an economic powerhouse. Bilateral exchange lines are one of PBC's patented methods of promoting RMB internationalization. Swap lines were initially created to assist with RMB settlement in international trade due to the limited RMB liquidity overseas. Prior to eventually expanding to other rising economies, the first geographic reach concentrated on Asian neighbors. Swap lines can boost a loan's usage and reduce the apparent risk distribution of a loan in a rising currency. Swap lines have an impact that extends beyond their core usage in order to create a larger safety net. The PBC has established bilateral swap lines in addition to offshore clearing institutions in 25 markets to facilitate RMB payments. The e-CNY was created by the PBC for four main reasons. The general public's accessibility to digital money is the initial objective of the e-CNY. Additionally, it aspires to promote efficient, secure, and equitable retail payment systems. Third, the e-CNY will improve the efficiency of international payments. The fourth is that financial inclusion should be benefited. The empirical analysis underlined the crucial hopes that the e-CNY may promote bilateral currency exchanges between Islamic nations and China and may serve as a big economic boost for those nations.

SAVING IN ISLAMIC BANKS: ENCOURAGEMENT OF ISLAMIC FINANCIAL LITERACY

M. Fauzi — 2023-12-30

Islamic banking in Indonesia has exhibited positive growth, although financial inclusion in the sector remains low at 9.06%. Islamic banks present an alternative for those seeking a financial institution that adheres to Islamic principles. The low level of Islamic financial inclusion is attributable to several factors, including the insufficient level of Islamic financial literacy at 8.93%. This research was a type of field research using a quantitative approach. The data used primary data obtained through the distribution of questionnaires to batik entrepreneurs in the Wiradesa Pekalongan sub-district. Samples were taken as many as 65 respondents based on the Slovin formula. The type of sampling technique used cluster proportional random sampling. The statistical tests used validity test, data reliability test, and t-test (t-test) to test the hypothesis. The results of the research on Islamic financial literacy variables have a positive and significant effect on interest in saving in Islamic banks, the significance value is 0.023 <0.05 and the t value (2,328) > t table (2,000).

STRATEGY TO IMPROVE THE QUALITY OF ISLAMIC SERVICES TO CUSTOMERS AT INDONESIA SHARIA BANK (BSI) IN JAMBI

Arya Aji Kurnia — 2023-12-30

This study aims to find out how the strategy is to improve the quality of Islamic services contained in Indonesia Sharia Bank for its customers during the Covid-19 period in Jambi. The research method was field research using qualitative in nature, data collection used three techniques, namely observation, interviews, and documentation and was carried out on December 13, 2021 at Indonesia Sharia Bank, Jambi. The results of the research strategy to improve the quality of Islamic services to customers of Indonesia Sharia Bank in Jambi and in accordance with the concept of Ultimate Service as Business Acceleration have been running optimally in accordance with the 6 dimensions of service quality described by Othman and Owen known as the CARTER method, (Compliance, Assurance, Responsiveness, Tangible, Empathy and Reliability). Principles of Islamic law do not cheat and always provide financial solutions.

THE EFFECT OF GOOD CORPORATE GOVERNANCE, SALES GROWTH, AND CAPITAL INTENSITY ON TAX AVOIDANCE IN MANUFACTURING COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE (IDX) IN 2019-2021

Mutmaina Tutupoho — 2023-12-30

This study aims to assist investors in providing an overview of the factors that can influence tax evasion by analyzing the Influence of Good Corporate Governance, Sales Growth and Capital Intensity on Tax Avoidance in Manufacturing Companies Listed on the Indonesia Stock Exchange (IDX) for 2019-2021. Good Corporate Governance, Sales Growth and Capital Intensity are used as independent variables and Tax Avoidance as the dependent variable. This study used a purposive sampling technique with a sample of 88 manufacturing companies that met the research criteria for the 2019-2021 period from a population of 193 companies. This study used Multiple Linear Regression Analysis to test the hypothesis. The results of this study indicate that partially Good Corporate Governance, Sales Growth and Capital Intensity significantly influence Tax Avoidance, and simultaneous hypothesis testing shows that Good Corporate Governance, Sales Growth and Capital Intensity significantly influence Tax Avoidance together.

THE EFFECT OF SHARIA COMPLIANCE, SERVICE QUALITY, PRODUCT QUALITY, AND ELECTRONIC WORD OF MOUTH ON CUSTOMER DECISIONS TO USE WADIAH PRODUCTS AT INDONESIAN SHARIA BANK (A CASE STUDY OF BSI AMBOKEMBANG BRANCH OFFICE)

Rosita Rizkiana — 2023-12-30

The aim of the research is to determine the effect of sharia compliance, service quality, product quality, and electronic word of mouth on customers' decisions to use Wadiah at BSI Ambombang products. This research was field research with a descriptive quantitative approach. Data were obtained by distributing questionnaires to customers who use Wadiah products. The sampling technique was purposive sampling, which obtained 97 respondents. The data analysis techniques used instrument tests, classical assumption tests, multiple linear regression analysis, hypothesis testing, and coefficient of determination tests. The results show that the service quality, product quality, electronic word of mouth variable have a positive and significant influence on the customer's decision and the sharia compliance variable has a negative and significant effect on customers' decisions.

THE INFLUENCE OF LITERACY FINANCE AND FINANCIAL TECHNOLOGY ON INCLUSION FINANCE FOR SMALL AND MEDIUM ENTERPRISE (SMEs) ACTORS IN TERNATE CITY

Adinda Iskandar — 2023-12-30

This research aims to analyze the role of financial literacy and financial technology on the financial inclusion of SMEs in Ternate. By applying a purposive sampling method, the number of samples used in this research were 50 SMEs engaged in the food industry. This research was carried out by using data analysis assisted by SPSS 25 software. The results of the research show that: (1) financial literacy has a significant effect on the financial inclusion of SMEs in Ternate City, meaning that the better the financial literacy implemented, the more financial inclusion behavior it will get better in certain businesses; (2) financial technology has a significant effect on the financial inclusion of SMEs in Ternate City. Financial literacy aids individuals in developing skills for managing personal finances. A thorough comprehension of budget creation, expense control, and savings can enhance a person's financial wellness. Financial literacy reduces financial uncertainty by providing knowledge about risks and ways to manage them. Additionally, fintech, or financial technology, contributes significantly to increasing financial inclusion.

THE INFLUENCE OF COMPETENCE ON EMPLOYEE PERFORMANCE WITH MEDIATION OF JOB SATISFACTION AND ORGANIZATIONAL COMMITMENT

Indah Roikhatul Janah — 2023-12-30

Human resources (HR) are one of an organization's most important assets that contribute to the success and growth of an organization. The aim of this research is to analyze the influence of competency, job satisfaction and organizational commitment on employee performance, the mediating role of organizational commitment and job satisfaction on the relationship between competency and employee performance. The object of this research was the Tegal Regency Investment and One-Stop Integrated Services Service (DPMPTSP). The sampling technique was carried out with a saturated sample of 43 people. SEM-PLS analysis was used to analyze data using SmartPLS. The research results show that competency and organizational commitment have a positive and significant effect on employee performance. Competency has a positive and significant effect on job satisfaction and organizational commitment. Meanwhile, job satisfaction has no effect on employee performance. Organizational commitment is able to act as a mediator in the relationship between competency and employee performance. Employees who have good competence feel more confident and feel successful in doing their work so that they can increase positive feelings towards their organization which encourages increased organizational commitment through maximum effort in doing their work. However, job satisfaction is not able to mediate the relationship between competency and employee performance. If employee satisfaction is lacking, it can result in employees being less enthusiastic about doing their work.

THE THE INFLUENCE OF HALAL AWARENESS, SELLER REPUTATION AND PRODUCT PROMOTION ON THE INTEREST IN BUYING FOOD THROUGH THE SHOPEE APPLICATION

Dita Camelia Ulfa — 2023-12-30

Abstract

This study aims to analyze the influence of halal awareness, seller reputation and product promotion both partially and simultaneously on the interest in buying food through the Shopee application, especially for Shopeefood feature service users in the Surakarta City area. As for the type of research method, it is quantitative based on primary data sources and secondary data. Primary data sources are obtained through the dissemination of questionnaires with gform media while secondary data is through books, journals, web pages, etc. The number of samples taken was 120 respondents with nonprobability sampling techniques. The method is carried out by survey. Data analysis techniques to answer hypotheses using multiple linear regression analysis, simultaneous test (F), determination test, and partial test (t) with a significant level of 5% (α = 0.05) processed with the help of SPSS 25 software. Based on the partial test, halal awareness did not have a positive and insignificant effect on buying interest. Simultaneously testing halal awareness, seller reputation and product promotion simultaneously have a positive and significant effect on buying interest.

Keywords: halal, reputation, promotion, buying interest.

THE INFLUENCE OF TOURIST PREFERENCE ON THE DECISION TO VISIT WITH TOURISM ATTRACTION AS MEDIATION (STUDY ON TOURISM OBJECT OF ORANGE TERNATE FORT)

Adhit Yoga Pratama — 2023-12-30

This study aims to determine the effect of tourist preferences on visiting decisions through tourist attractions. This research is a quantitative research. The population in this study is all visitors to Beneteng Oranje, Ternate city. The number of research samples is 110 respondents. The data analysis technique used in this research is path modeling analysis using Smart Partial Least Square (PLS) version 4 as a statistical test tool. The results of this study indicate that: (1) Tourist preferences have a significant effect on visiting decisions; (2) Tourist preferences have a significant effect on tourist attractiveness; (3) tourist attraction has a significant effect on visiting decisions; (4) Tourist preferences have a significant effect on visiting decisions through tourist attractions

Keywords: Tourist Preferences, Tourist Attractiveness and Visiting Decisions.

ANALYSIS OF THE EFFECT OF JOB TRAINING, SELF EFFICACY, AND INNOVATIVE WORK BEHAVIOR ON THE PERFORMANCE OF EMPLOYEES OF BALAI BESAR HANDICRAFT AND BATIK IN YOGYAKARTA

Anisa Permata Hastiti — 2023-12-30

This study aims to explore a number of important aspects in the context of employee performance at the Center for Handicrafts and Batik in Yogyakarta. First, the study intends to identify whether job training has a positive influence on employee performance. Second, the study aims to assess self-efficacy may contribute positively to improve employee performance. Finally, the study also purposes to determine whether innovative work behaviors have a positive impact on employee performance in the institution. The methodology in this study was quantitative research by using questionnaire instruments to collect data. The sample used in this study consisted of 50 employees from Balai Besar Handicraft and Batik of Yogyakarta. Data analysis was carried out by using various statistical techniques allowing researchers to evaluate causal relationships between the variables studied. The results of the analysis show interesting findings. First, there is evidence to suggest that job training and self-efficacy do not have a significant positive effect on employee performance. This finding invites questions related to other factors that might affect employee performance at the Yogyakarta Handicraft and Batik. On the other hand, the results of the study also show that innovative work behavior has a positive and significant influence on employee performance at Balai Besar Handicraft and Batik. These findings highlight the importance of promoting and supporting innovation in this organizational context to improve employee performance.