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All Journal JESI (Jurnal Ekonomi Syariah Indonesia) Al Maal: Journal of Islamic Economics and Banking
Khumaini, Sabik
FAI Universitas Muhammadiyah Tangerang
Economics, Econometrics & Finance

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Journal : Al Maal: Journal of Islamic Economics and Banking

 1 
Pengaruh Fasilitas Layanan Internet Banking Dan Mobile Banking Terhadap Kepuasan Nasabah Bank Syariah Indonesia Kantor Cabang Tangerang Sabik Khumaini; Fahrudin Fahrudin; Samsuri Samsuri
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.5403

Abstract

This research aims to determine the effect of internet banking and mobile banking service facilities on customer satisfaction at Indonesia Islamic Bank Tangerang branch office. This type of research is field research with a quantitative, the data collection technique used in this research is the questionnaire data collection method. The population in this study were 500 customers using internet banking and mobile banking, and the sample in this study was 85 respondents using random sampling. The results showed that based on the partial t test, there is a significant effect of internet banking service facilities on customer satisfaction and has a positive relationship. And there is a significant effect of mobile banking on customer satisfaction and has a positive relationship. And based on the simultaneous F test, there is a significant effect of internet banking and mobile banking service facilities on customer satisfaction with an F count of 128.777 with a significance value of F of 0.000. And based on the R test determination of 75.9% the ability of the independent variables to explain the variance of the dependent variable.
Pengaruh Motivasi Dan Pengetahuan Terhadap Minat Berinvestasi Saham Di Pasar Modal Syariah Sabik Khumaini; Ayunda Jinan Nadiya
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4614

Abstract

This study aimed to determine the influenced of motivation and knowledge of students the study program Islamic banking on invest interest stock in the Islamic Capital Market. The sample in this research is 67 students. The test of the instrument was analyzed by using validity test and reliability test. The analysis technique used in this study is the descriptive statistics, classic assumption test and multiple linear regression. The classical assumption test consists of, normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. Hypothesis test use the determination test, F test, and t test. The results showed that, motivation partially has an insignificant positive influence on invest interest stock in the Islamic Capital Market. Knowledge partially had a significant positive influence on invest interest stock in the Islamic Capital Market. Meanwhile, simultaneously based on the results of the F statistical test, the independent variables of motivation and knowledge together have a significant and positive influence on the dependent variable invest interest stock. The predictive ability of these two variables on invest interest stocks is 46.0%, while the remaining 54.0% is influenced by other variables outside the regression model.
Pengaruh Pembiayaan Ijarah Dan Biaya Operasional Pendapatan Terhadap Profitabilitas Bank Syariah Mandiri Sabik Khumaini; Nurul Fathiya Armina
Al Maal: Journal of Islamic Economics and Banking Vol 1, No 1 (2019)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v1i1.1818

Abstract

This study was conducted to examine the effect of Ijarah financing variables and Operational Income Operational Costs (BOPO) on the profitability of ROA (Return on Assets) at Bank Syariah Mandiri. The analysis technique used is multiple regression analysis and hypothesis testing using partial t test, F test simultaneously with a significance level of 5% and the coefficient of determination test. In addition, classical tests are also carried out which include the normality test, the heteroscedasticity test, the autocorrelation test and the multicollinearity test. The conclusions obtained are based on the results of the calculated hypothesis testing, showing the variable Ijarah and BOPO significantly negative effect on Return on Assets (ROA) in the period 2006-2015. Meanwhile, the results of the statistical F test, the independent variables Ijarah and BOPO together have a significant effect on the dependent variable ROA with a probability value of less than 0.05. The predictive ability of the two variables on ROA is 24.7%. While the remaining 75.3% was accepted by other factors outside the regression model. Kata kunci: Pembiayaan, Ijarah, Pendapatan, Profitabilitas
Pengaruh Quick Ratio Dan Financing To Deposit Ratio Terhadap Return On Assets Pada PT. Bank Negara Indonesia Syariah Tahun 2016-2019 Sabik Khumaini; M Nurzansyah
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2748

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh quick ratio (QR) dan financing to deposit ratio (FDR) terhadap return on Assets (ROA) di PT Bank Negara Indonesia Syariah. Teknik analisis yang digunakan dalam penelitian ini adalah uji asumsi klasik dan regresi linear berganda. Uji asumsi klasik terdiri dari, uji normalitas, uji autokorelasi, uji heterokedastisitas, dan uji multikolinearitas. Uji statistik menggunakan uji determinasi, uji t, dan uji F. Hasil penelitian menunjukkan bahwa, quick ratio (QR) secara parsial memiliki pengaruh positif signifikan terhadap return on assets (ROA) pada PT. Bank Negara Indonesia Syariah. Financing to deposit ratio (FDR) secara parsial berpengaruh negatif tidak signifikan terhadap return on assets (ROA) pada PT. Bank Negara Indonesia Syariah. Sedangkan secara simultan berdasarkan hasil uji statistik F, variabel independen quick ratio (QR) dan financing to deposit ratio (FDR) secara bersama-sama berpengaruh signifikan terhadap variabel dependen return on assets (ROA) dengan nilai probabilitas kurang dari 0.05. Kemampuan prediksi dari kedua variabel tersebut terhadap return on assets (ROA) sebesar 13,6%, sedangkan sisanya 86.4% dipengaruhi oleh faktor lain di luar model regresi.
Analisis Hasil Investasi Dana Asuransi Jiwa Syariah di Indonesia Periode 2014-2021 Warto Warto; Sabik Khumaini
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 1 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i1.6651

Abstract

This paper aims to analysis the management of Islamic Life Insurance funds in Indonesia. From the OJK report, it was found that the investment returns of Sharia Life Insurance funds often experience losses, even though when viewed from the assets and investment value they have the highest interest compared to Sharia General Insurance and Sharia Reinsurance. The data in this study were obtained from OJK and the financial statements of Indonesian Sharia Insurance companies. This research uses quantitative method. The results of the study indicate that the main factor causing investment losses in Sharia Life Insurance funds is the placement of funds, which is dominated by the Capital Market sector, which accounts for 80% of the total investment. Total investment losses during the period 2014-2021 amounted to Rp.-42,713 billion. Total profit is Rp. 61,656 billion. So the total return on investment during this period is Rp. 18,943 billion of the total investment of Rp. 2.485 trillion or only 1%. The solution is that Sharia Life Insurance companies need to look for alternative financing sectors other than the Capital Market.
Co-Authors Ayunda Jinan Nadiya Fahrudin Fahrudin M Nurzansyah Muh Turizal Husein Nurul Fathiya Armina Samsuri Samsuri Warto Warto