Papers by A. Jajang W. Mahri
Advances in economics, business and management research, 2023
The performance of Islamic banks in Asia in 2020 experienced fluctuating from the previous year, ... more The performance of Islamic banks in Asia in 2020 experienced fluctuating from the previous year, which was allegedly due to the arrival of the Covid 19 outbreak that occurred in the first quarter of 2020 which hit all countries in the world. This study aims to describe how the performance of islamic banks in Asia based on the Sharia Conformity and Profitability (SCnP) approach in 2016-2020. The research method used is descriptive quantitative with panel data analysis while the sampling technique is purposive sampling as many as 10 islamic commercial banks in Asia. The financial performance of islamic banks is measured by two approaches namely sharia conformity (profit sharing ratio, islamic invesment ratio, islamic income ratio) and profitability measures (return on asset, return on equity, net profit margin). The results of research based on sharia conformity show that the average islamic banks in Asia have the good performance with Bank Meezan Pakistan having the highest sharia conformity score. As for the profitability approach, the average of islamic banks in Asia showed a fairly good performance with the highest profitability score at Brunei Islamic Bank on period 2016-2020. Based on the calculation of sharia conformity and profitability, the average of islamic banks in Asia is in the upper right quadran category. This indicates that islamic banks have good performance with a high level of sharia compliance and profitability. The implication of this research is that islamic banks must be able to maintance a balance between the achievement of sharia goals and the level of profitability so that in carrying out its business activities banks dot not only gain profits in the world but also the blessings of achieving the goals of sharia eventually they bring fallah for others.
KnE Social Sciences, Mar 31, 2019
This study aims to determine the level of efficiency of the zakat institutions for the period 201... more This study aims to determine the level of efficiency of the zakat institutions for the period 2012-2016 and find out the causes of its inefficiencies. This study uses financial report from five zakat institutions that are sampled, namely BAZNAS, Rumah Zakat, Dompet Dhuafa, PKPU, and Rumah Yatim. The research method used is descriptive meth with data envelopment analysis (DEA) technique, the novelty from this research is on the newest period of zakat institutin financial report and the object variable. Based on the results of research conducted it is known that in the period 2012-2016, zakat institutions conditions in indonesia were not yet fully efficient. There are four zakat institutions that experience efficiency, and there are 4 efficient zakat institutionss from 23 zakat institutions in general from 2012-2016, namely Rumah Zakat 2015, 2016 and also PKPU in 2012, 2016, the rest are 15 zakat institutions which are not yet fully efficient. The cause of the inefficiency in the zakat institutions was mainly due to the high operational costs incurred and the still low receipt of zakat funds obtained and the distribution of zakat funds were only used for the short term.
Al-Kharaj : Jurnal Ekonomi, Keuangan dan Bisnis Syariah, Apr 24, 2021
Indonesian Journal of Economics and Management, Nov 30, 2022
The performance of sharia life insurance in Indonesia and Malaysia has increased and decreased, t... more The performance of sharia life insurance in Indonesia and Malaysia has increased and decreased, the declining performance of sharia life insurance causes low income, indicating inefficiency. Inefficiency has adverse effects that will hinder the firm's growth. The purpose of this study is to measure the technical efficiency value of 24 sharia life insurance companies and analyze the effect of profitability level and firm size on the level of sharia life insurance efficiency in Indonesia and Malaysia. The methods used in this study are descriptive and quantitative with causality design. In this study using purposive sampling technique with a total sample of 14 sharia life insurance in Indonesia and 10 sharia life insurance in Malaysia with a total of 144 observations. The data were analyzed by Data Envelopment Analysis (DEA) and tobit regression analysis methods. The results showed that the level of efficiency of sharia life insurance with the average Malaysian firm is more efficient than Indonesian companies. The level of profitability with the average is in the healthy category. The average firm size is in the category of large companies. The level of profitability and the size of the enterprise partially have a positive and significant effect on the level of efficiency. The practical implications of this study are that companies must pay attention to factors that can increase their level of efficiency by reducing operational costs and maintaining and increasing productive assets carefully.
Pelayanan Dan Manfaat Koperasi,serta Pengaruhnya Terhadap Partisipasi Anggota(suatu Kasus Pada Koperasi Produsen Tahu Tempe Kabupaten Tasikmalaya)
ekonomi, 2006
KEPEMIMPINAN KEPALA SEKOLAH PENGARUHNYA TERHADAP KOMPETENSI, MOTIVASI, DAN KEPUASAN KERJA GURU SERTA IMPLIKASINYA TERHADAP KINERJA GURU (Penelitian pada Sekolah Menengah Kejuruan di Jawa Barat)
The problem in this study is that the vocational teachers in Indonesia have not been able to demo... more The problem in this study is that the vocational teachers in Indonesia have not been able to demonstrate the adequate work performance. The phenomenon of high and low performance of teachers depends on variables that affect it, such as teacher competence, work motivation and job satisfaction, all of which are driven by the variable of principal’s leadership. This study used survey approach with the type of explanation verification research on 366 teachers. Data analysis and interpretation of the results used descriptive analysis and verification (SEM). Results show that the principal’s leadership has a direct impact on teacher competence, work motivation of teachers, and teacher job satisfaction. However, the principal’s leadership does not imply directly to the performance of teachers, but through teacher competence, work motivation, and job satisfaction. In this way, the principal’s leadership may act more as a driver or enabler that allows an increase in competence, motivation and job satisfaction of teachers so that in turn it would improve teacher the performance.
Indonesian Journal of Economics and Management, Nov 30, 2022
Inaccuracy in determining the optimal cash holding level can cause the company's activities to be... more Inaccuracy in determining the optimal cash holding level can cause the company's activities to be disrupted and even unable to run, holding too little cash will have a negative impact on the company, which can cause a company to go bankrupt, and vice versa, if the amount of cash is too much will cause unproductive cash because cash is idle fund. This study aims to analyze net working capital, level of leverage, and level of profitability of cash holdings. The population of this study is all companies listed on the Jakarta Islamic Index for the 2016-2021 period. The sample of this research is 15 companies taken by purposive sampling technique. The data analysis technique used in this study was panel data regression analysis using Eviews 10 software. The results showed that the net working capital variable had no effect on cash holdings. While the leverage level variable has a negative effect on cash holding and the profitability level variable has a positive effect on cash holding. Recommendations for companies listed on the Jakarta Islamic Index are expected to increase cash holdings, for future researchers it is better to add other variables that can be factors that affect the company's cash holdings.
KnE Social Sciences, Mar 31, 2019
Entrepreneurship is one of the occupation that has a noble in the view of Islam. In addition, Ent... more Entrepreneurship is one of the occupation that has a noble in the view of Islam. In addition, Entrepreneurship is also has an important role for the welfore of a state. Howover, the entrepreneurship ratio in Indonesia is still in low rate compared to another countries. For the reason, this research will discuss student's interest toward Islamicpreneur. It is because students' interest in islamicpreneur is the source for the birth of Islamic entrepreneurs in the future. Based on the previous research, entrepreneurial interest is influenced by among others, family enviroment and religiousity level. Therefore this research aims to analyze and predict the influence of family enviroment and religiousity toward students interests in islamicpreneur. The population of this research is the student of Islamic economics at university in Bandung. The study use non-probability-accidental sampling as sampling technique with 280 people as the subjects of the research. Then the research was using causality method with quantitative approach. The data was analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results showed that the family environment has a positive and significant effect on the interest of Islamicpreneur, while the level of religiosity does not affect the interest of Islamic scholars. This research is expected to be able to provide benefits to various parties in increasing the interest of Islamic scholarship in students, especially Islamic economics students at University in Bandung.
Review of Islamic Economics and Finance
This research departs from the many most vulnerable strata of society, one of which is children v... more This research departs from the many most vulnerable strata of society, one of which is children victims of neglect by their families and surrounding communities. Based on facts on the ground, in 2016, there were 5.3 million more children who were victims in the community. To protect the child, institutions such as an orphanage are needed to be a decent place to live, provide affection, and meet the basic needs of neglected children well. This research measure and describe the orphans socio-economic development using sharia maqashid principles. The objects taken in this study are orphans who live in orphanages in the Bandung Raya area (Bandung City, Bandung Regency, West Bandung Regency, and Cimahi City) who are receiving assistance from Islamic philanthropy distributed through the Gerakan Infaq Beras Bandung totaling 93 foster children. Through this Islamic philanthropy, it is also expected that the basic needs of orphans based on the principles of sharia maqashid can be met even be...
The background of this research is poverty problem that have happened to traditional fisherman in... more The background of this research is poverty problem that have happened to traditional fisherman in Indonesia. Pangandaran is one of the districs in Indonesia which is still having problem in fisherman poverty. Based on previous research that fisherman poverty problem is caused by various factors like biological, technological, sosio-economic. Meanwhile, one of the types of sosio-economic problem is limited access to financial institution because the fisehrman is party who is susceptible to bad credit. This research uses mix method with using quantitative and qualitative approach. Qualitative approach uses descriptive analysis, whereas quantitative approach uses mann-whitney u test, OLS and logit regression. The result of the study in the first step shows that fisherman poverty in Pangandaran is influenced strongly by family burden and financial access toward financial institution. On the other hand, the total of family labour and family burden influence income fisherman per capita. Meanwhile, there is significant difference between fisherman income who has an access and not. The research planning for the next will be focused on the design of the Islamic microfinance model and testing such Islamic mirofinance model to fisherman in Pangandaran.
Integrating country of origin, brand image and halal product knowledge: the case of the South Korean skincare in Indonesia
Journal of Islamic Marketing
Purpose The purpose of this study shows the effect of the value of country of origin and brand im... more Purpose The purpose of this study shows the effect of the value of country of origin and brand image on the purchasing decision of South Korean skincare with halal product knowledge as a moderator variable. Design/methodology/approach The research method used is descriptive quantitative by analyzing the responses to questionnaires distributed to 212 respondents from all over Indonesia. Based on previous research, four hypotheses were built, and the collected data were processed using a path analysis tool through the SmartPLS 3.3.3 application. Findings The results showed that the country of origin and brand image variables had a significant effect on the purchasing decision of South Korean skincare with halal product knowledge as a moderator variable. Meanwhile, the halal product knowledge variable does not moderate the influence of country of origin and brand image on South Korean skincare purchasing decisions. This finding confirms that the halal product knowledge factor has not b...
Islamic wealth management: ensuring the prosperity of Muslim households of MSMEs during Covid-19
International journal of ethics and systems, Nov 21, 2022
Indonesian Journal of Economics and Management
Inaccuracy in determining the optimal cash holding level can cause the company's activities t... more Inaccuracy in determining the optimal cash holding level can cause the company's activities to be disrupted and even unable to run, holding too little cash will have a negative impact on the company, which can cause a company to go bankrupt, and vice versa, if the amount of cash is too much will cause unproductive cash because cash is idle fund. This study aims to analyze net working capital, level of leverage, and level of profitability of cash holdings. The population of this study is all companies listed on the Jakarta Islamic Index for the 2016-2021 period. The sample of this research is 15 companies taken by purposive sampling technique. The data analysis technique used in this study was panel data regression analysis using Eviews 10 software. The results showed that the net working capital variable had no effect on cash holdings. While the leverage level variable has a negative effect on cash holding and the profitability level variable has a positive effect on cash holdin...
Jurnal Riset Keuangan dan Akuntansi
Tujuan penelitian ini adalah untuk mengetahui kinerja keuangan Bank Umum Syariah dengan menggunak... more Tujuan penelitian ini adalah untuk mengetahui kinerja keuangan Bank Umum Syariah dengan menggunakan metode RGEC ditinjau dari Non Performing Financial (NPF), Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Net Operating Margin (NOM), Return on Assets (ROA), dan Capital Adequacy Ratio (CAR) pada tahun 2016-2019. Populasi dalam penelitian ini adalah seluruh Bank Umum Syariah di Indonesia dengan menggunakan teknik pengambilan sampel berupa purposive sampling dengan 9 sampel Bank Umum Syariah, penelitian ini berupa penelitian dengan data sekunder, data di ambil dari laporan keuangan yang dipublikasi di website Otoritas Jasa Keuangan dan website masing-masing bank yang bersangkutan. Hasil penelitian ini menunjukan bahwa dari analisis kinerja keuangan Bank Umum Syariah selama tahun 2016-2019 dilihat dari Risk Profile dalam kategori cukup sehat, Good Corporate Governance dalam kategori sehat, Earning dalam kategori kurang sehat, dan Capital dalam kategori sangat sehat. S...
KnE Social Sciences, Mar 31, 2019
The growth of Islamic insurance has been quite rapid in recent years, but in 2013 the performance... more The growth of Islamic insurance has been quite rapid in recent years, but in 2013 the performance was less than optimal. There are only six life insurance that have received surplus and seven general insurance that still deficit. One of many causes of the lack of optimal performance is inefficiency, while that is related to how to obtain the maximum level of output with a certain amount of input. This study aims to determine level of efficiency in Islamic insurance for the period 2012-2016 and find out the causes. This study uses secondary data from 13 companies. Research method used is descriptive with Data Envelopment Analysis (DEA). The input variables used assets, operating expenses and claim payments. Furthermore, output variables used contributions, investment income and tabarru' funds. Based the results of research conducted is known that, the condition of Islamic insurance in Indonesia hasn't been efficient. There were 12 companies that experienced inefficiencies due to the high operational costs and the low contribution.
KnE Social Sciences, Mar 31, 2019
Entrepreneurship is one of the occupation that has a noble in the view of Islam. In addition, Ent... more Entrepreneurship is one of the occupation that has a noble in the view of Islam. In addition, Entrepreneurship is also has an important role for the welfore of a state. Howover, the entrepreneurship ratio in Indonesia is still in low rate compared to another countries. For the reason, this research will discuss student's interest toward Islamicpreneur. It is because students' interest in islamicpreneur is the source for the birth of Islamic entrepreneurs in the future. Based on the previous research, entrepreneurial interest is influenced by among others, family enviroment and religiousity level. Therefore this research aims to analyze and predict the influence of family enviroment and religiousity toward students interests in islamicpreneur. The population of this research is the student of Islamic economics at university in Bandung. The study use non-probability-accidental sampling as sampling technique with 280 people as the subjects of the research. Then the research was using causality method with quantitative approach. The data was analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results showed that the family environment has a positive and significant effect on the interest of Islamicpreneur, while the level of religiosity does not affect the interest of Islamic scholars. This research is expected to be able to provide benefits to various parties in increasing the interest of Islamic scholarship in students, especially Islamic economics students at University in Bandung.
KEPEMIMPINAN KEPALA SEKOLAH PENGARUHNYA TERHADAP KOMPETENSI, MOTIVASI, DAN KEPUASAN KERJA GURU SERTA IMPLIKASINYA TERHADAP KINERJA GURU (Penelitian pada Sekolah Menengah Kejuruan di Jawa Barat)
Indonesian Journal of Economics and Busines, 2011
The problem in this study is that the vocational teachers in Indonesia have not been able to demo... more The problem in this study is that the vocational teachers in Indonesia have not been able to demonstrate the adequate work performance. The phenomenon of high and low performance of teachers depends on variables that affect it, such as teacher competence, work motivation and job satisfaction, all of which are driven by the variable of principal’s leadership. This study used survey approach with the type of explanation verification research on 366 teachers. Data analysis and interpretation of the results used descriptive analysis and verification (SEM). Results show that the principal’s leadership has a direct impact on teacher competence, work motivation of teachers, and teacher job satisfaction. However, the principal’s leadership does not imply directly to the performance of teachers, but through teacher competence, work motivation, and job satisfaction. In this way, the principal’s leadership may act more as a driver or enabler that allows an increase in competence, motivation and job satisfaction of teachers so that in turn it would improve teacher the performance.
Indonesian Journal of Economics and Management
The performance of sharia life insurance in Indonesia and Malaysia has increased and decreased, t... more The performance of sharia life insurance in Indonesia and Malaysia has increased and decreased, the declining performance of sharia life insurance causes low income, indicating inefficiency. Inefficiency has adverse effects that will hinder the firm's growth. The purpose of this study is to measure the technical efficiency value of 24 sharia life insurance companies and analyze the effect of profitability level and firm size on the level of sharia life insurance efficiency in Indonesia and Malaysia. The methods used in this study are descriptive and quantitative with causality design. In this study using purposive sampling technique with a total sample of 14 sharia life insurance in Indonesia and 10 sharia life insurance in Malaysia with a total of 144 observations. The data were analyzed by Data Envelopment Analysis (DEA) and tobit regression analysis methods. The results showed that the level of efficiency of sharia life insurance with the average Malaysian firm is more effici...
al-Uqud : Journal of Islamic Economics
This study aimed to determine and analyse the factors that affect a zakat payer receiving and usi... more This study aimed to determine and analyse the factors that affect a zakat payer receiving and using the zakat platform to pay the zakat. A total of 264 self-administered questionnaires were distributed to respondents who have been paid zakat with the platform. The data were analysed using variance-based structural modelling (PLS-SEM) to examine the hypothesised relationships. The results show that performance expectations and social influence positively and significantly affect behavioural intentions. Facility conditions and behavioural intention have influenced positive and significant impacts on the behaviour of using the online zakat payment platform. Furthermore, this is caused by the trust of zakat payers against online zakat payment platforms that afford to pay zakat faster completion when compared to paying zakat offline. It is also supported by encouragement from the surrounding environment of zakat payers such as: family, work colleagues, community and charity organisations...
al-Uqud : Journal of Islamic Economics
This study is intended to develop a strategy for the socio-economic empowerment of women from low... more This study is intended to develop a strategy for the socio-economic empowerment of women from low-income families based on an Islamic perspective. The research was motivated by Indonesia’s low score on the Gender Inequality Index (GII) compared to other countries, indicating the gap between men’s and women’s empowerment in Indonesia. The percentage of women who become the heads of poor households increases yearly. This qualitative study uses the Analytical Network Process (ANP) to test the social welfare measures for low-income families carried out by governments, Islamic philanthropic institutions, and Islamic microfinance institutions. As many as fifteen respondents involved in the ANP method were experts on the studied problems, namely regulators, practitioners, and academics. The research results indicate that the main priority issue developing women’s empowerment is the development of partnership networks. In the next stage, the experts concluded that business assistance and me...
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Papers by A. Jajang W. Mahri