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Pengaruh Pengetahuan dan Penerapan Jaminan Terhadap Minat Nasabah Terhadap Produk Syirkah di Bank Syariah Kota Metro Hasan Basri, Mohammad; Nurjannah, Siti; Swastika, Putri
ILTIZAM Journal of Shariah Economics Research Vol. 8 No. 1 (2024): Indonesian Journal of Islamic Economics and Business
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v8i1.2487

Abstract

This study aims to determine the effect of knowledge and collateral on customer interest in taking syirkah products at Metro City Sharia Bank. This study uses a quantitative approach with a sample of 96 respondents and regression methods on SPSS Statistics 25. This research is descriptive while the type of research is quantitative research. The sample in this study were 96 customers of Syari'ah Bank in Metro City. The data collection method used is the questionnaire method and the documentation method. The results showed that there is a positive and significant influence between knowledge variables on customer interest and the application of guarantees to customer interest in taking Syirkah products at Sharia Banks in Metro City. Efforts are needed to increase socialization and education about Islamic bank products and syirkah contracts to the public through electronic and print media. Because of the increasing knowledge, the tendency of public interest to use Islamic bank products is increasing.
PERFORMANCE OF CONVENTIONAL, ISLAMIC, AND SOCIAL RESPONSIBLE INVESTMENT (SRI) INDICES DURING COVID-19: A STUDY OF INDONESIAN STOCK MARKET Hidayah, Nur; Swastika, Putri
Journal of Islamic Monetary Economics and Finance Vol 8 No 4 (2022)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v8i4.1483

Abstract

This paper investigates (i) the volatility of Indonesian Islamic, SRI, and Conventional equities, (ii) their serial correlation, and (iii) their dynamic correlation and relationship during the COVID-19 pandemic. Using MGARCH-DCC, our findings suggest that the Islamic index is most volatile but performs more efficiently than the others and exhibits no co-movement with Conventional and SRI during the Pandemic crisis. The study empirically shows the resilience and efficiency of the Islamic stocks in Indonesia during the Pandemic. These findings provide valuable and practical recommendations on portfolio diversification for investors and offers policy implications for regulators interesting in and dealing with impact or responsible investing. Acknowledgment The authors would like to thank KNEKS for the academic writing workshop series that made this study possible.
Determinants to Credit Decision of Low-Income Muslim During Pandemic Crisis Swastika, Putri; Sari, Reonika Puspita; Laili, Nur
Journal of Islamic Economics and Social Science (JIESS) Vol 3, No 2 (2022)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jiess.2022.v3i2.004

Abstract

Pandemic crisis sets many challenges to the economy, including depriving income and consumption level. In a suburbs Muslim area in Metro City, Indonesia, RT038/RW008 called the “Pinggiran Ledeng” (“skirt of irrigation”), henceforth Pingled, lived about 50 households. All of them are muslim and classified as low-income households, while 35 households are strangled in interest-rate bearing debted. This group has lost their source of income at a significant rate, and must sustain daily need using unavoidable interest-rate bearing debt. Their creditors are private loans harks and/or registered financial institutions. This paper aims to unveil what makes them underwent credit-decision in crisis settings. Understanding these components are equally important as to alleviate their economic burden through goods and cash subsidies, because poor financial behavior is a common gate to a vicious cycle of debt trap and endless poverty. This research finds the following: (1) during a crisis, emotion bias, attitude, and herding are positively significant to explain how Pingled community members take interest-rate bearing debt. Secondly, the major determinant is herding behavior, and to lesser degree are attitude and bias. Practical and policy implications are provided.
Pengaruh  Belanja Pemerintah,  Konsumsi Rumah Tangga, Indeks Pembangunan Manusia Dan Ekspor Terhadap Produk Domestik Regional Bruto Di Provinsi Lampung Pada Tahun 2014-2024 Sari, Wulan; Swastika, Putri; Yunarti, Yuyun
Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan Vol 25, No 1 (2025)
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ekonomikawan.v25i1.23544

Abstract

Objective  Lampung Province's Gross Regional Domestic Product (GRDP) from 2014 to 2024 as a function of government spending, household consumption, HDI, and exports is the target of this research.  The researchers in this study used multiple linear regression techniques as part of their quantitative methodology.  Traditional assumption tests, such as evaluations of normality, autocorrelation, multicollinearity, and heteroscedasticity, are employed in this study, which employs secondary data sourced from the Central Statistics Agency (BPS) of Lampung Province. The results of the study show that all independent variables, namely government spending, household consumption, HDI, and exports, have a positive and significant effect on GRDP. Household consumption is the main factor in economic growth, where high purchasing power increases demand for goods and services. Exports also make a positive contribution by increasing regional income and foreign exchange. In addition, government spending plays a role in supporting infrastructure development, education, and health, which ultimately drives economic growth. HDI also has a positive impact, indicating that improving the quality of human resources through better education and health can increase labor productivity and regional economic growth. This finding confirms that regional economic policies need to be focused on strengthening household consumption, increasing export competitiveness, optimizing government spending, and investing in human resource development. With the right strategy, economic growth in Lampung Province can continue to increase sustainably.
PENGARUH PRODUKSI PADI, IMPOR BERAS DAN KONSUMSI BERAS TERHADAP HARGA BERAS DI INDONESIA TAHUN 2004-2023 Fadilah, Kurnia; Swastika, Putri
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.14930

Abstract

Indonesia dijuluki sebagai negara agraris dimana sektor pertaniannya yang luas tak membuat harga pangan di Indonesia menjadi murah khususnya harga beras. Padahal, produksi padi di Indonesia melimpah dengan angka di atas 50 juta ton setiap tahunnya dan aktivitas impor beras yang terus dilakukan namun belum bisa menurunkan harga beras di negeri ini.  Studi ini menyelidiki hubungan antara harga beras Indonesia dan produksi, impor, dan konsumsi beras dari tahun 2004 hingga 2023. Peneliti ingin mengetahui bagaimana faktor-faktor ini berubah dan seberapa besar pengaruhnya terhadap harga beras Indonesia. Bagaimana faktor-faktor ini berubah dan seberapa besar pengaruhnya terhadap harga beras Indonesia. Temuan studi, yang diperoleh melalui penggunaan analisis regresi linier berganda, menunjukkan bahwa konsumsi secara positif dan signifikan secara statistik memengaruhi harga beras. Analisis temuan studi mengungkapkan bahwa konsumsi memengaruhi harga beras dengan cara yang menguntungkan dan signifikan secara statistik. Artinya, terdapat hubungan yang sejalan antara peningkatan konsumsi dan kenaikan harga. Semakin tinggi konsumsi maka semakin tinggi juga harga beras. Sementara itu, secara statistik  produksi padi dan impor beras tidak memberikan pengaruh yang signifikan terhadap harga beras. Penelitian ini merekomendasikan bagi pembuat kebijakan yang bertujuan menstabilkan harga beras. Mengingat kelonjakan harga beras akan mempengaruhi inflasi pangan. Penelitian ini juga diharapkan berkontribusi pada literatur dengan memberikan wawasan terkini mengenai faktor-faktor yang mempengaruhi harga beras di Indonesia.
PENGARUH PRODUKSI PADI, IMPOR BERAS DAN KONSUMSI BERAS TERHADAP HARGA BERAS DI INDONESIA TAHUN 2004-2023 Fadilah, Kurnia; Swastika, Putri
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.14930

Abstract

Indonesia dijuluki sebagai negara agraris dimana sektor pertaniannya yang luas tak membuat harga pangan di Indonesia menjadi murah khususnya harga beras. Padahal, produksi padi di Indonesia melimpah dengan angka di atas 50 juta ton setiap tahunnya dan aktivitas impor beras yang terus dilakukan namun belum bisa menurunkan harga beras di negeri ini.  Studi ini menyelidiki hubungan antara harga beras Indonesia dan produksi, impor, dan konsumsi beras dari tahun 2004 hingga 2023. Peneliti ingin mengetahui bagaimana faktor-faktor ini berubah dan seberapa besar pengaruhnya terhadap harga beras Indonesia. Bagaimana faktor-faktor ini berubah dan seberapa besar pengaruhnya terhadap harga beras Indonesia. Temuan studi, yang diperoleh melalui penggunaan analisis regresi linier berganda, menunjukkan bahwa konsumsi secara positif dan signifikan secara statistik memengaruhi harga beras. Analisis temuan studi mengungkapkan bahwa konsumsi memengaruhi harga beras dengan cara yang menguntungkan dan signifikan secara statistik. Artinya, terdapat hubungan yang sejalan antara peningkatan konsumsi dan kenaikan harga. Semakin tinggi konsumsi maka semakin tinggi juga harga beras. Sementara itu, secara statistik  produksi padi dan impor beras tidak memberikan pengaruh yang signifikan terhadap harga beras. Penelitian ini merekomendasikan bagi pembuat kebijakan yang bertujuan menstabilkan harga beras. Mengingat kelonjakan harga beras akan mempengaruhi inflasi pangan. Penelitian ini juga diharapkan berkontribusi pada literatur dengan memberikan wawasan terkini mengenai faktor-faktor yang mempengaruhi harga beras di Indonesia.