Rahmawati, Alvi
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Background of The Board of Director and Financial Intermediary: Does It Contribute to The Performance of Islamic Banks? Rahmawati, Alvi
Maliki Islamic Economics Journal Vol 3, No 2 (2023): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v3i2.24840

Abstract

This study aims to examine the effect of women leadership, education level, financing and investment on the profitability of Islamic banks. The type of data used is secondary data in the form of annual reports of Islamic banks for the 2016-2020 period. Data collection was carried out using purposive sampling technique so that the sample obtained for research was 12 Islamic banks. The analytical tool used in this panel data regression with dummy variables is e-views 10 software. The results showed that partially financing and investment have a positive and significant effect on the profitability of Islamic banks, while women leadership and education level have no effect on profitability. Simultaneously, women's leadership, education level, financing and investment have an influence on profitability. Then based on the results of the determination test shows that the independent variables in the form of women's leadership, education level, financing and investment are able to explain the dependent variable profitability by 99%, while the other 1% is explained by other variables not mentioned in this study.
IJARAH ASSET CONTRACT: A PRODUCT INNOVATION FOR ISLAMIC MICROFINANCE Khasanah, Umrotul; Wicaksono, Ahmad Tibrizi Soni; Rahmawati, Alvi
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 1 (2025): JANUARY - JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i1.68167

Abstract

This research aims to develop a tool for assessing the potential of ijarah asset contract model as a product offered by Islamic Microfinance Institutions (IMFIs) to Micro, Small and Medium Enterprises (MSMEs) in Malang Regency, Batu City, and Malang City areas of Indonesia. In this context, a grounded theory is applied, including open, axial, and selective coding, as well as qualitative model analysis to report crucial factors for ijarah asset contract product at IMFIs. The results show that Sharia compliance is the most fundamental instrument, followed by trust, benefit, agreement, and tolerance based on the priority criteria. In addition, the relationship between instruments create the best implementation model in the forerunner of ijarah asset contract product. This research is carried out by determining the instrument of ijarah asset contract and explaining the relationship between instruments forming an implementation model. The development of fresh ijarah product innovations at IMFIs is conducted to facilitate asset leasing for MSMEs. A model is also proposed using the results as a benchmark for execution to minimize the potential for unsuccessful outcomes.