Sebagai salah satu segmen dengan pertumbuhan tercepat baik di sektor teknologi maupun keuangan, Teknologi Finansial (Fintech) telah merevolusi dunia keuangan. Fintech menyatukan komunitas keuangan dan membuat layanan keuangan tersedia untuk semua orang dengan memanfaatkan prinsip-prinsip dasar teknologi Blockchain. Fintech memiliki implikasi luas untuk keuangan Islam, yang meliputi perbankan, investasi, asuransi (takaful), dan manajemen kekayaan. Buku ini memberikan pemeriksaan mendalam tentang bagaimana Fintech membentuk industri keuangan Islam di tiga bidang utama: digitalisasi, pengembangan, dan disrupsi. Buku ini akan memberikan informasi tentang Shariahtech (Fintech yang menganut prinsip Syariah) dan penerapannya di industri keuangan syariah. Buku ini juga memberikan ikhtisar tentang evolusi Blockchain dan Fintech, serta bagaimana mereka berfungsi sebagai dasar lanskap keuangan digital. Pembaca buku ini juga akan mendapatkan pemahaman menyeluruh tentang perspektif Islam tentang cryptocurrency, serta penggunaan kontrak pintar di berbagai layanan keuangan Islam. Buku tersebut memberikan gambaran rinci tentang aplikasi Blockchain dan Fintech di bidang keuangan syariah untuk mahasiswa, akademisi, dan peneliti.
The influence of Islamic branding experience and customer citizenship behavior on the decision to use sharia linkaja services is the focus of this research, this is due to the increasing use of digitalization of sharia finance. The sample used was 252 respondents, the sampling technique used purposive sampling, namely the selection of samples with specified criteria. The results show that partially Islamic branding experience has a significant effect on decisions to use services, then customer citizenship behavior has a positive and significant effect on decisions to use services, which means that the better customer citizenship behavior, the more decisions to use services. Simultaneously, both Islamic branding experience and customer citizenship behavior have a positive and significant effect on decisions to use services simultaneously.Islamic branding experience dan customer citizenship behaviour terhadap keputusan menggunakan layanan linkaja syariah menjadi fokus penelitian dikarenakan meningkatnya penggunaan digitalisasi keuangan syariah. Sample yang diperoleh 252 responden, teknik pengambilan sample menggunakan purposive sampling, yaitu pemilihan sample dengan kriteria tertentu. Hasil penelitian menunjukkan secara parsial islamic branding experience berpengaruh signifikan terhadap keputusan menggunakan layanan, Selanjutnya customer citizenship behaviour berpengaruh positif dan signifikan terhadap keputusan menggunakan layanan artinya semakin baik customer citizenship behaviour maka semakin meningkatkan keputusan menggunakan layanan. Secara simultan baik islamic branding experience dan customer citizenship behaviour berpengaruh secara bersamaan positif dan signifikan terhadap keputusan menggunakan layanan.
Murabahah adalah akad jual beli barang dengan harga jual sebesar biaya perolehan ditambah keuntungan yang disepakati dan penjual harus mengungkapkan biaya perolehan barang tersebut kepada pembeli.Tujuan dari penelitian ini ialah untuk mengetahui faktor-faktor penyebab pembiayan murabahah bermasalah baik faktor internal maupun eksternal di Bank Central Asia Syariah KC Yogyakarta. Penelitian ini merupakan penelitian kualitatif. Subyek penelitian ini adalah Bank Central Asia KC Yogyakarta. Obyek penelitian ini adalah faktor-faktor internal dan eksternal pemiayaan murabahah bermasalah pada Usaha Mikro Kecil dan Menengah. Data yang diperoleh merupakan hasil wawancara, observasi dan dokumentasi. Hasil penelitian menunjukkan bahwa faktor internal terjadi karena kurangnya monitoring dan adanya fraud dari pihak internal Bank. Faktor eksternal dapat berasal dari nasabah pembiayaan murabahah itu sendiri karena kurang cakap dalam pengelolalan usaha. Faktor lainnya dapat terjadi karena kebijakan pemerintah maupun bencana alam.
The aim of this research is to analys the influence of Domestic Direct Investment (DDI) to Economic Growth in Indonesia (GDP) with Capital Expenditures as moderating variable. We use panel data with 9 years of observation (2010-2018) and 30 provinces in Indonesia, based on purposive sampling, secondary data and analyzed by MRA (Moderated Regression Analysis). The results indicates that, DDI actually gives negative effect on economic growth in Indonesia it was because of them is worth the investment in the country is still low when compared with foreign investment and investment out of the country, and greater fluctuations in value realization of these investments annually. Capital expenditure has proved to strengthen and change the direction of the relationship between the DDI to the GDP, due to the realization that capital spending is focused in the development of infrastructure.
Sustainable growth must be maintained by maintaining an increase in investment returns, with the source of funds as a stimulant. The population of this study was all Islamic life insurance companies in Indonesia. The study used path analysis mediation with regression or two layers OLS (Ordinary Least Squares) and followed by Sobel test. The result showed that investment returns can mediate participant funds in influencing the growth of Islamic life insurance companies. Meanwhile, investment returns did not mediate the influence of company funds in influencing the growth of Islamic life insurance companies.
Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth. However, the growth of MSMEs is constrained by difficulties in accessing capital. This study aims to determine the effect of the variable amount of financing (plafond), the application process, the repayment period (tenor), and the frequency of borrowing on the growth of MSMEs. This study uses a quantitative method with a sample of 80 respondents from Bank Syariah Indonesia branch office Sleman Prambanan customers. The sample selection used a purposive sampling technique with the criteria that Bank Syariah Indonesia branch office Sleman Prambanan customers were SMEs in the Yogyakarta and Klaten areas and used financing products such as BSI KUR Micro, BSI KUR Kecil, and BSI Super Micro. The analytical technique used is the classical assumption test, multiple linear regression analysis, t-test, F test, and the coefficient of determination with the help of SPSS software. The results show that the amount of financing (plafond) and the repayment period (tenor) have a positive effect. In contrast, the application process and the borrowing frequency do not positively affect the growth of MSMEs.
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