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Results in Journal IKONOMIKA: 56

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Serhat Yüksel, Ismail Canöz
IKONOMIKA, Volume 2, pp 93-102; doi:10.24042/febi.v2i1.945

Abstract:
This paper aims to identify the effects of Islamic banking on economic growth and industrial development in Turkey. For this purpose, quarterly data for the periods between 2005 and 2016 were taken into the consideration. Additionally, VAR Granger causality analysis was used in this study. It was concluded that Islamic banks’ loans do not have a significant effect on the improvement of economy and industry in Turkey. The main reason for this result is that Islamic banking has a very low percentage in Turkish banking sector. Thus, it can be said that Islamic banking in Turkey should be so developed that it can contribute to GDP growth and industrial development.
Serhat Yüksel, Ismail Canöz, Mustafa Özsarı
IKONOMIKA, Volume 2, pp 131-148; doi:10.24042/febi.v2i2.1894

Abstract:
The popularity of Islamic banking is increasing day by day. On the other hand, some people also criticized this system in some aspect. One of the criticism is that profit sharing rates of Islamic banks are similar to interest rate of deposit banks. While considering this issue, this study aims to identify the causality relationship between profit sharing rate and interest rate in Turkey. Within this scope, monthly, quarterly, 6-months and yearly data for the period between 2000 and 2016 was analyzed separately. In addition to this situation, Toda Yamamoto causality analysis was used in this study so as to achieve this objective. According to the results of the analysis, it was determined that there is a significant causality relationship between these rates. In other words, it was concluded that interest rate of the deposit banks is the main indicator of the profit share rate of Islamic banks in Turkey. The main reason behind this situation is that indicators in the market affect both deposit banks and Islamic banks. Therefore, it is inevitable that deposit rates and profit share rates will be similar when deposit banks and Islamic banks perform in the same market.
Loai Naser Mahmoud Alhawamdeh, Bardai Bardai
IKONOMIKA, Volume 2, pp 103-111; doi:10.24042/febi.v2i2.1878

Abstract:
Objective: The purpose of this study is to conceptually review the determinants of Internet Islamic Banking Services adoption.In addition, it presents a conceptual research model to understand these relationships supported by literature review from recent studies.Methodology:A critical literature review had been conducted in the area of internet banking services adoption model, Islamic banking and UTAUT theory and application. Results: The main findings indicate that familiarity, social influence, needs, customer background and IT support affect adoption of internet banking services. In addition familiarity, social influence, needs, customer background and IT support affect adoption of Islamic internet banking services .Therefore we can conclude that factors of internet banking services affect Islamic internet banking services. Implication: This researchpresents a conceptually yet empirically supported model to describe the factors influencing internet banking services and internet Islamic banking services. This research will be significant in several areas, by adding new knowledge for the academics, practitioners and organizations in general and particularly in JordanObjective: The purpose of this study is to conceptually review the determinants of Internet Islamic Banking Services adoption.In addition, it presents a conceptual research model to understand these relationships supported by literature review from recent studies.Methodology:A critical literature review had been conducted in the area of internet banking services adoption model, Islamic banking and UTAUT theory and application. Results: The main findings indicate that familiarity, social influence, needs, customer background and IT support affect adoption of internet banking services. In addition familiarity, social influence, needs, customer background and IT support affect adoption of Islamic internet banking services .Therefore we can conclude that factors of internet banking services affect Islamic internet banking services. Implication: This researchpresents a conceptually yet empirically supported model to describe the factors influencing internet banking services and internet Islamic banking services. This research will be significant in several areas, by adding new knowledge for the academics, practitioners and organizations in general and particularly in Jordan
Achmad Rifa'i
IKONOMIKA, Volume 2, pp 177-200; doi:10.24042/febi.v2i2.1639

Abstract:
Pemberdayaan UMKM bisa menjadi salah satu jawaban untuk memeratakan tidak hanya pertumbuhan ekonomi tetapi juga pusat-pusat perputaran uang yang baru. Keuangan inklusif diusung untuk menjawab permasalah tersebut melalui pendalaman akses keuangan ke daerah-daerah terutama terhadap masyarakat menengah bawah. Bank Pembiayaan Rakyat Syariah selaku perpanjangan tangan lembaga keuangan formal berusaha untuk menjadi intermediatory institution dalam mengimplementasikan keuangan inklusif yang bertujuan untuk memeratakan akses keuangan di Indonesia. Penelitian ini bertujuan untuk melihat peran Bank Pembiayaan Rakyat Syariah melakukan tugasnya dalam pembiayaan UMKM sebagai upaya untuk mencapai keuangan inklusif. Adapun data yang digunakan adalah data sekunder. Metodologi penelitian yang digunakan adalah deskriptif dengan pendekatan kualitatif. Analisis data kualitatif yang digunakan menggunakan teknik analisis Open Coding, Axial Coding dan Selective Coding. Berdasarkan hasil penelitian menggunakan tiga indikator keuangan inklusif Bank Indonesia yaitu access, usage, dan quality menunjukkan bahwa Bank Pembiayaan Rakyat Syariah sejauh ini telah berhasil menjaga dan meningkatkan kapasitasnya dalam memberikan akses, menyalurkan pembiayaan, dan rasio keuangan.
Yolanda Yolanda
IKONOMIKA, Volume 2, pp 162-176; doi:10.24042/febi.v2i2.1881

Abstract:
Bank is one of the most decisive financial intermediary of a country's economy. Country that in the economies has healthy banking industries will have an impact on all the activity and stability of the economy. The purpose of this study is to investigate the determinants of the capital adequacy of Islamic banks in Indonesia by using panel data of eleven Islamic Banks from 2012 to 2016. This study uses secondary financial data that were analyzed using multiple linear regression model to the capital adequacy of banks (Capital Adequacy Ratio / CAR) as the dependent variable, and profitability (ROA, ROE, NIM) and Liquidity (FDR) as the independent variables. The findings of this study showedpositive correlation between the financial performance of capital adequacy and liquidity. As a result, this study provides more insight into the determinants that affect the capital adequacy of Islamic Banks in Indonesia.
Aam S. Rusydiana
IKONOMIKA, Volume 2; doi:10.24042/febi.v2i1.899

Abstract:
The application of fiat money in transaction makes unstability in economy. To solve this problem, it needs a strong monetary system that support by stabil currency. This research is going to analyze the impact of dinar on economic stability in Indonesia. This study use vector error correction model as tool of analysis. The result shows that exchange rate had negative impat of economic growth, but dinar give a positive impact on economic growth. Besides that, the dinar doesn’t give an impact on inflation increasing in Indonesia. This result imply that the application of dinar will make an economy relatively stabil than fiat money currency.
IKONOMIKA, Volume 2; doi:10.24042/febi.v2i1.944

Abstract:
The aim of this research activities to proving the entrepreneurial management of the coastal Muslim community in the village of Bongo. Experimental design used in this research is quasi experiment with the design of "The One-group pre-test - Post-test Design". The results showed that the model of functional skills for women of fishermen in the village of Bongo district of Gorontalo, can be seen from several aspects, namely: (1) The control / understanding of learners (female fisherman in the village of Bongo) of the learning materials functional skills wives of the fishermen in the form of entrepreneurship, practice makes kolombengi taste of fish, practice makes fish nuggets and practice makes sticks corn fish. (2) understanding wives of the fishermen village of Bongo towards community empowerment programs and Improved skills of students in the field of entrepreneurship, especially in terms of business development and business administration, and (3 ) the ability of learners work together in a business group that can produce a product with the criteria and processes in place.
Masudah Masudah
IKONOMIKA, Volume 2; doi:10.24042/febi.v2i1.959

Abstract:
As a financial intermediary institution, Islamic banking should give a financing to deficit units. The aim of this study is to emphasize the factors that had an influence to financing in Islamic banks. This research using panel data regression with 11 Islamic full-pledge banks from 2011 until 2015. The result shows that deposit funds, exchange rate, operational efficiency ratio and interest rate had an impact on Islamic bank’s financing, but other variables such as non-performing financing and inflation doesn't had an impact. From F-test shows that all variables simultaneously had an impact on Islamic bank’s financing. Besides that, the value of adjusted R-square shows that all of the independent variables can explain the model about 78.5%, the others explained by other variables outside the model.
IKONOMIKA, Volume 1; doi:10.24042/febi.v1i2.146

Abstract:
- Shadaqah has a very important role to every human when we leave this world, therefore moslem community build a foundation to take care of their shadaqah from Muzaki. Unisba as an Islamic University, also have organization to collect, manage, and allocate funding from shadaqah, named Baitul Maal of Unisba. There are 419 lecturers and employees in Unisba but there are only 27% from them who decide to become muzzaki at Baitul Maal of Unisba. On average, the Collected Fund at Baitul Maal of Unisba per month is only as many as Rp 3.000.000,-. Researchers assumed that it caused by lack of consumers knowledge about Baitul Maal of Unisba programs. Consumers knowledge consists of attributes, benefit, and satisfaction to the products or services. A total of 30 questionnaires from offline surveys has been analysed using “several statistical analysis”, including multiple regression. Result of this research shows us that satisfaction to the products or services is the most dominant variable that influence lecturers and employees to become muzzzaki at Baitul Maal of Unisba.
IKONOMIKA, Volume 1; doi:10.24042/febi.v1i2.151

Abstract:
The research problem originates from previous research done by Yoon et al (2004:395-412). The instruments were re-research in Depok city West Java. It was measuring the effect of organizational support, supervisory support, customer participation, and job satisfaction and employee service quality. This research was to attest the hypothesis and to examine the effect of organizational support, supervisory support, customer participation in the service effort, job satisfaction and employee service quality.There was significant effect of organizational support, supervisory support, customer participation in service effort, job satisfaction. For future research, what factors are affecting to the service effort and job satisfaction, beside organization support, supervisory support, customer participation, and what factors affecting to the employee service quality, beside service effort, job satisfaction.
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