Financial Technology is evidence of innovation in the financial services sector that makes it very easy for the public. Fintech is not only used for buying and selling transactions only. But it can be used as a crowdfunding platform conducted online. One of the most popular crowdfunding platforms operating in Indonesia in terms of ZIS fundraising is crowdfunding Kitabisa.com. This study aims to explain the effect that occurs on brand awareness (X1), transparency (X2), and trust (X3) on people's decisions to distribute ZIS through crowdfunding Kitabisa.com (Y). The method used is quantitative methods. The samples used in the study were users of the Kitabisa.com platform, with a total sample of 121 people in the Jabodetabek area. The data used is primary. This study uses a questionnaire instrument and a Likert scale. This study uses multiple linear regression analysis methods and using SPSS Statistics version 23. The results of this study indicate that the variables of brand awareness, transparency, and trust have a significant partial and simultaneous effect on the public's decision to distribute ZIS through crowdfunding Kitabisa.com.
This study aims to determine the most dominant factors affecting the cooperative preference in the conversion into a cooperative sharia. The research method using the quantitative approach to the technique of factor anaysis. The results indicate that regulatory support, promotion and profit sharing rate is the most dominant factor or a major factor for the preference of cooperative in the conversion into a cooperative sharia. Meanwhile religion, information, and image is a supporting factor for the preference of cooperatives in the conversion into a cooperative sharia.
Penelitian ini bertujuan untuk mengetahui dan menganalisis tingkat efisiensi pada BPR dan BPRS di wilayah Jawa Barat dengan menggunakan data sekunder yang diperoleh dari laporan keuangan tahunan yang dipublikasi dari 6 BPR yakni BPR Dana Multi Guna, BPR Cibitung Permai, BPR Nusamba Tanjungsari, BPR Bank Kota Bogor, BPR Universal Jabar, dan BPR Intan Jabar dan 6 BPRS yakni BPRS Arta Fisabilillah, BPRS Al- Wadiah, BPRS Artha Madani, BPRS Bogor Beriman, dan BPRS Amanah Rabbaniah pada periode 2019-2020. Data penelitian ini dianalisis menggunakan metode Data Envelopment Analysis (DEA) version 2.1 dengan menggunakan input oriented, untuk mengetahui tingkat efisensi BPR dan BPRS. Berdasarkan hasil pengujian ini dapat diketahui bahwa kinerja efiseinsi terbaik saat pandemi covid-19 ditunjukan oleh BPR Dana Multi Guna dan BPR Bank Kota Bogor dengan nilai efisiensi rata-rata 0,997 (99.7%) dan BPRS Amanah Rabbaniah dengan nilai efisiensi rata-rata 99,9%. Saat pandemi covid-19, tingkat efisiensi BPRS lebih baik dibandingkan dengan BPR sebesar 0.2%. Kata kunci: Efisiensi, BPRS, Data Envelopment Analysis, Covid-19.
Penelitian ini bertujuan untuk mengetahui perbandingan antara pengguna kartu kredit konvensional dan kartu kredit syariah sehingga dapat diketahui faktor-faktor yang mempengaruhi minat kepemilikan dan tujuan penggunaan antara kartu kredit konvensional dan syariah. Metode penelitian ini menggunakan metode kualitatif analisis deskriptif dengan teknik penelitian field research. Hasil penelitian menunjukan bahwa terdapat perbedaan faktor minat kepemilikan kartu kredit konvensional adalah lebih kepada kebutuhan transaksi pembelanjaan dan kartu kredit syariah lebih kepada keinginan yang sesuai dengan syariah. Adapun tujuan penggunaan responden pengguna kartu kredit konvensional dengan jumlah persentase yaitu 60 persen digunakan untuk kebutuhan primer, sekunder, dan tersier sedangkan tujuan penggunaan responden pengguna kartu kredit syariah dengan persentase 40 persen digunakan untuk kebutuhan primer, sekunder, dan tersier.
Based on the national survey data of the Financial Services Authority, the conventional Financial literacy index in Indonesia reaches 29.1% while the Sharia financial literacy index is only 8.1% or lower than 30 percent conventional financial literacy. This condition shows the lack of public understanding of the product features and activities of sharia finance institutions considering that the terms used are generally a new term for Indonesian society. Since the year 2018 United Cooperative Relatives of Pulo Kambing converted into a Shariah cooperative. But from 33 managers and managers of active cooperatives, only 12.1% or only 4 people) who have participated in the training of sharia cooperatives. The solutions offered to solve the problem of knowledge gaps of managers, managers, and members of sharia cooperatives, the sharia financial literacy is done by Getok Tular (Word Of Mouth Communication) method which aims to Give birth to change agents who are ready to transmit his knowledge about sharia-urban. Based on the results of devotion, there is increased post-training knowledge. Based on the results of pretests and posttest there is a hike of 35 points so that it can be concluded that there is an increase in participants about the sharia cooperative and can be categorized that the trainees have fulfilled the criteria as an agent Infanteer tular (Word Of Mouth Communication strategy).
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