Authors:Calista Noorma Hissiyah, Kurniawati Meylianingrum Pages: 1 - 11 Abstract: Risk is a potential loss that a company cannot predict. However, risks can be mitigated by dividing or enduring each other. This research wants to re-examine the research gap with the same theme. This research uses quantitative methods with a descriptive approach. The results showed that premium income and investment returns partially affected net profit. In contrast, claim expenses and operating expenses did not have a significant effect on net profit. Then simultaneous test results show that Premium Income, Investment Returns, Claim Expenses, and Operating Expenses to Net Profit together or simultaneously have a significant effect on net profit in Sharia life insurance. PubDate: 2023-03-31 DOI: 10.30659/ijibe.8.1.1-11 Issue No:Vol. 8, No. 1 (2023)
Authors:Nurcahyono Nurcahyono, Asma' Hanifah Pages: 12 - 25 Abstract: In recent years, the halal industry has become a trend, this is because the Indonesian people have begun to apply halal culture as a lifestyle. This article aims to determine the factors influencing the purchase intention of halal cosmetics among millennials and generation Z. The author uses the theory of planned behavior to identify factors that encourage a person's intention to buy halal cosmetics among millennials and generation Z. The variables or predictors are attitudes, halal awareness, subjective norms, knowledge, halal labels, buying behavior, brand image, psychological risk, social media, and religiosity. This study has advantages compared to others because it uses a psychological approach in the form of buying and risk behavior and uses the effects of social media. The data was obtained through a survey conducted by the millennial generation and generation Z, who live in the city of Semarang. The sampling method used was non-probability with a purposive sampling technique. The data analysis of this research used Structural Equation Modeling (SEM) – Partial Least Square (PLS) with WarpPLS application. Testing is done using the measurement, goodness of fit, and structural models. The results showed that the factors influencing the purchase of halal cosmetics are attitudes, subjective norms, knowledge, halal labels, buying behavior, brand image, psychological risk, and religiosity. However, the halal awareness variable, social media, is not a determinant of someone buying halal cosmetics. The results show that the halal awareness of research respondents is still low because they have not fully paid attention to the halal aspect. Currently, social media provides too much information, making it difficult to distinguish whether it is credible or not, so respondents choose other alternatives. PubDate: 2023-03-31 DOI: 10.30659/ijibe.8.1.12-25 Issue No:Vol. 8, No. 1 (2023)
Authors:Shofi'unnafi Shofi'unnafi, Bayu Mitra A. Kusuma Pages: 26 - 39 Abstract: This study aims to analyze the potential of Kudus Regency in implementing digital nomads as a strategy to accelerate Islamic religious tourism recovery after the COVID-19 pandemic. This research is important because even though pandemic control has gotten better, there is no guarantee that a virulent virus like COVID-19 will not emerge again and then have an impact on the tourism vacuum. To examine the potential of digital nomads in the Kudus Regency, the research results will be displayed using four aspects of tourism products including attraction, accessibility, amenity, and ancillary, and then discussed with SWOT as an analytical tool. This study uses a qualitative and descriptive approach where data collection is done by observation, interviews with seven informants, and focus group discussions with ten experts. The research results showed that: First, the attraction aspect is very promising because of the many and a varied number of Islamic religious tourism destinations in Kudus. Second, the accessibility aspect still needs improvement because the bus is the only mass public transportation option that directly reaches Kudus. Third, the amenities aspect requires adjustments to prices and health protocol standards. Fourth, the ancillary aspect is quite promising because health facilities, banking, and internet networks are wellavailable. Thus, attraction and ancillary become elements of strength (S), accessibility becomes weakness (W), and amenities become opportunity (O). However, attraction can also turn into a threat (T) if it is not managed properly because many tourist objects have died after the pandemic. PubDate: 2023-03-31 DOI: 10.30659/ijibe.8.1.26-39 Issue No:Vol. 8, No. 1 (2023)
Authors:Hanif Ahmadi Pages: 40 - 53 Abstract: Cryptocurrency instruments show an increase in the number of investors in Indonesia, the increase in cryptocurrency investors is even bigger than the number of stock investors in the Indonesian capital market, even though stock investors also increase. The increase in stock and cryptocurrency investors is an indication that the investment climate in Indonesia is starting to improve, this must be accompanied by increased financial literacy regarding the returns and risks of an investment instrument, this research is important considering that understanding the returns and risks of an investment instrument is crucial in the decision making. The test in this study uses a descriptive statistics and independent sample t-test, if the sample does not meet the requirements of the parametric statistical test, it will use the nonparametric statistical test Mann Whitney Test, which aims to determine whether there is a difference in return and risk of cryptocurrencies and sharia stock prices for the period January 2015 to October 2021. This study finds that there are significant differences in the returns and risk of cryptocurrencies and Sharia Stocks. Based on descriptive statistics, the standard deviation of cryptocurrency returns is greater than the standard deviation of Sharia stocks, indicating that cryptocurrency risks are higher than Sharia Stocks. PubDate: 2023-03-31 DOI: 10.30659/ijibe.8.1.40-53 Issue No:Vol. 8, No. 1 (2023)
Authors:Wahyu Syarvina, Sugianto Sugianto Pages: 54 - 68 Abstract: Market Share Ratio can be used to measure the performance of Islamic Banks which are relatively new in Indonesia. The greater the market share of Islamic banks in Indonesia, the greater their role and function for the national economy. Market share is often used as an indicator by companies to see the existence of strength in the market and how important the company is. This research method uses a quantitative approach with an associative method with a population in the form of data on Financial Statements of Islamic Banking in Indonesia during the period 2018 to 2022. The sampling technique was carried out using purposive sampling. The results showed that by using a significance level of 5 percent, the significance value was < 0.05 (0.000 < 0.05), the CAR, ROA, FDR and NPF variables simultaneously (together) had an effect on the market share of Islamic banks in Indonesia. And each variable Capital Adequacy Ratio (CAR), Variable Return On Assets (ROA), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) partially has a significant positive effect on the Market Share of Islamic Banks in Indonesia. PubDate: 2023-03-31 DOI: 10.30659/ijibe.8.1.54-68 Issue No:Vol. 8, No. 1 (2023)
Authors:Nur Diana Dewi, Muhammad Zilal Hamzah, Eleonora Sofilda Pages: 69 - 82 Abstract: The majority of Indonesia's population is Muslim in the amount 87.21% of a total of 237 million people. However, this is not directly proportional to the lack of halal product certification in Indonesia. The study aims to determine the implementation of halal product assurance certification in Indonesia by analyzing the Indonesia and Malaysia certification without neglecting the readiness of LPPOM MUI and BPJPH in facing changes to the halal certification regulations of JPH Law. The research method was the interview and FGD techniques. The data was processed by NVivo 12. The implication of this research shows that the JPH Law can organize effectively with the hard work of BPJPH to synergize the stakeholders. The implementation model of halal product assurance adjusted to the strategy and work plan for JPH by emphasizing the increasing stakeholder involvement, G2G Cooperation, and SME Development. PubDate: 2023-03-31 DOI: 10.30659/ijibe.8.1.69-82 Issue No:Vol. 8, No. 1 (2023)
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