The demand for property increases every year in line with the population growth in Indonesia. Moreover, the society believes that investing in the property will have future benefits since there is an expectation of an increase in strong middle-class consumer spending made to the residential business segment and also urban society demands for apartments and condominiums. Loans and mortgages are often made by both owners and developers in order to own the property. Therefore, this study investigates the impacts of financial liquidity and leverage on the financial performance of the Indonesian property and real estate enterprises. The study considers three (3) selected companies listed on Indonesia Stock Exchange LQ 45 (IDX LQ 45) over period five (5) years (2012-2016). The secondary data are obtained from the financial statement (comprehensive income statement and statement of financial position) of selected property and real estate companies listed on IDX. This data is analyzed by using the regression analysis; the t-statistics and F significance ANOVA were used to test the hypothesis. The result of the analysis show that Current Ratio (CR) and Debt-Asset Ratio (DAR) had a negative relationship with Return on Assets (ROA) while Times Interest Earned (TIE) had a positive relationship with ROA in Indonesia property and real estate industry.
The objective of this study is to investigate the factors that are affecting customers’ intention to use Islamic FinTech services during the Covid-19 crisis. It expands the technology acceptance model (TAM) by adding government support as a new variable for the context of Islamic FinTech services during the pandemic. Using TAM as a framework, we propose a model outlining the impact of government regulation, perceived usefulness, perceived ease of use, perceived trust, and user innovativeness on consumer attitude behaviour and the intention to use Islamic FinTech services, such as payment and peer-to-peer lending. 220 sets of data were collected from an online survey and analysed using partial least squares-structural equation modelling (PLS-SEM). The results show that government support for Islamic FinTech during the Covid-19 pandemic has had an indirect impact on attitude behaviour in using Islamic services through perceived ease of use and perceived usefulness. Attitude behaviour was found to have an impact on intention.
The purpose of this paper is to explore the equivalency of curriculum content of universities. It examines how this equivalency can benefit the universities that offer Islamic economics programs in implementing the new policy of the Indonesian Education and Culture Minister, especially for point No. 4, known as "Merdeka Belajar: Kampus Merdeka" (Independent learning policy or Liberating policy). This study also evaluates whether or not the guidelines on implementing Islamic economic community involvement projects developed by the National Committee of Islamic Economic and Finance (Komite Nasional Ekonomi dan Keuangan Syariah - KNEKS) and other stakeholders can support the new policy, especially for point No. 4. This study uses content analysis from the curriculum of the ten selected universities in Indonesia that participated in developing the framework on minimum standardization across Islamic economics undergraduate programs led by KNEKS. The results of the study reveal that the ten universities are ready to implement the new policy of the Indonesian Education and Culture Minister, especially for point No. 4 known as "Merdeka Belajar: Kampus Merdeka" (Independent learning policy or Liberating policy) since a significant number of course equivalents were found across the ten universities. In addition, the guidelines on the implementation of Islamic economic community involvement projects developed by KNEKS are aligned with the new policy's guidelines on community involvement projects. The paper is expected to benefit several stakeholders, such as universities that offer Islamic economics programs, by providing them with guidelines on implementing the new policy. The student can use this study as a reference for them in conducting community involvement projects, internships, and student exchange programs. ========================================================================================================ABSTRAK – Keselarasan dan Ketidakselarasan Kurikulum Ekonomi Islam dengan Kebijakan Pemerintah di Indonesia. Tujuan dari penelitian ini adalah untuk mengeksplorasi ekuivalensi dari isi kurikulum universitas dan melihat bagaimana ekuivalensi ini dapat memberikan bermanfaat bagi universitas yang menawarkan program ekonomi Islam dalam menerapkan kebijakan baru Menteri Pendidikan dan Kebudayaan Indonesia khususnya untuk poin No. 4 yang dikenal sebagai "Merdeka" Belajar: Kampus Merdeka” (Kebijakan belajar mandiri atau Kebijakan Pembebasan). Studi ini juga mengevaluasi apakah Panduan Pelaksanaan Kuliah Kerja Nyata (KKN) Tematik Ekonomi Syariah yang dikembangkan oleh Komite Nasional Ekonomi dan Keuangan Syariah (KNEKS) dan pemangku kepentingan lainnya dapat mendukung kebijakan baru terutama untuk poin No. 4 atau tidak. Penelitian ini menggunakan analisis isi dari kurikulum sepuluh universitas terpilih di Indonesia yang ikut berpartisipasi dalam mengembangkan Kerangka Acuan Akademik Program Studi S1 Ekonomi Syariah yang dipimpin oleh KNEKS. Hasil penelitian memperlihatkan bahwa 10 universitas siap untuk menerapkan kebijakan baru Menteri Pendidikan dan Kebudayaan Indonesia khususnya untuk poin No. 4 yang dikenal sebagai "Merdeka Belajar: Kampus Merdeka" (kebijakan belajar mandiri atau kebijakan Pembebasan) karena ditemukan banyak mata kuliah yang memiliki ekuivalensi diantara 10 universitas. Selain itu, Panduan Pelaksanaan KKN Tematik Ekonomi Syariah yang dikembangkan oleh KNEKS ditemukan selaras dengan panduan kebijakan baru terkait program membangun desa/Kuliah Kerja Nyata Tematik. Artikel ini diharapkan bermanfaat bagi beberapa pemangku kepentingan seperti universitas yang menawarkan program ekonomi syariah dengan memberi mereka pedoman tentang bagaimana menerapkan kebijakan baru. Mahasiswa dapat menggunakan studi ini sebagai referensi bagi mereka dalam melakukan proyek pembangunan desa, magang, dan program pertukaran pelajar.
The purpose of this study is to investigate the difference between the brand selection decisions before and after the ad serving and to examine the impact of attitude, which is owned by the consumer before the ad, to the changes in consumer decisions in the selection of the brand. This study was conducted using causal research design. The sampling method used was non-probabilistic sampling and sample size of 540, consisting of 270 users for brand Pantene and 270 users for brand Rejoice. The results of this study indicate that the attitude of consumers before ad serving had an influence on several changes in the selection decision. This research is important for marketers to continuously understand consumer attitudes, by knowing the type of information on the brand owned by the consumer, the ability of consumer groups in information processing, and the ownership of motivation to process the information.
The rapid growth of financial system in Indonesia creates an intensive competition between Conventional and Islamic financial institutions. The study aims to evaluate the service quality of Islamic Microfinance Institution in Indonesia. The survey was carried out to acquire data from 126 respondents. Descriptive statistics and importance performance analysis (IPA) was used to analyze the data. The finding show that attributes plotted in quadrant "keep up the good work" are providing prompt service, and helpful response to customer requests, Ability in providing services to the customer as needed, prompt service on financial counselling, Ability of staff in giving proper explanation to the customer, Ability to keep the transaction process secure, and Sharia compliance banking products. Meanwhile, the attributes plotted in quadrant "concentrate here" are accessible of location of ATM, easy to access the location, ability to navigate customer to find what they intend, ability to maintain accuracy of bank statement, and ability in providing after sale services. To the best of author's knowledge, it is the first study that measuring the service quality of Islamic microfinance from customer perspective using importance-performance approach.
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