Garuda - Garba Rujukan Digital

ANALISIS PEMAHAMAN MASYARAKAT KOTA BANJARBARU TENTANG BAGI HASIL DAN BUNGA PADA BANK SYARIAH Masrina, Masrina; Wibowo, Fatria Ulfa
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.20369

Conventional banks or Islamic banks can be utilized by the general public. By developing a financial framework that relies on market instruments that are reasonable, useful, fair, independent, and productive, Islamic Banks have a role in public progress in the financial field needed to increase local government assistance, strengthening local areas, and every monetary force, especially for small and medium business visionaries. Qualitative approaches are used to investigate and comprehend the meaning that various individuals or a group of persons attribute to social or humanitarian situations. Typically, small to medium-sized communities are familiar with Islamic banks, especially those living in urban areas. Nevertheless, many people do not understand Islamic banking. In theory, Since normal banks employ an interest system, Islamic banks differ from ordinary banks. While Islamic banks use a profit-sharing system. Despite this, people still do not fully understand Islamic banking

The Influence of Mediation Approaches, Social Factors, and Psychological Factors on Family Dispute Resolution at the Ministry of Religious Affairs in West Java Masrina, Masrina; Muzayyin, Ahmad; Muhtadi, Muhamad Ammar
West Science Interdisciplinary Studies Vol. 1 No. 12 (2023): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v1i12.482

This research investigates the influence of mediation approaches, social factors, and psychological factors on the resolution of family disputes at the West Java Ministry of Religious Affairs. Employing a quantitative approach, the study involves a sample of 250 participants and utilizes Structural Equation Modeling with Partial Least Squares (SEM-PLS) for data analysis. The results reveal significant positive relationships between mediation approaches, psychological factors, and social factors with family dispute resolution. The integrated analysis underscores the interplay of these variables, highlighting the importance of culturally sensitive mediation strategies and holistic interventions that address both social and psychological dimensions. The findings contribute to a nuanced understanding of family dispute resolution dynamics in the specific cultural and religious context of West Java, providing valuable insights for policymakers, practitioners, and researchers in the field.

Strategi Bank Dalam Mempertahankan Loyalitas Nasabah Pada Bank Muamalat Indonesia KC Banjarmasin Fattah, Abdul; Masrina, Masrina; Hasanah, Ikhwatun
Journal of International Multidisciplinary Research Vol. 2 No. 8 (2024): Agustus 2024
Publisher : PT. Banjarese Pacific Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62504/jimr834

Penelitian ini menganalisis tentang bagaimana strategi bank muamalat dalam mempertahankan loyalitas nasabah. Penelitian dilatarbelakangi dengan Studi yang dilakukan oleh MRI (Market Research Indonesia) pada akhir tahun 2021 yang diumumkan dalam ajang 5th Infobank Satisfaction, Loyalty & Engagment (SLE) Award 2022, bank muamalat berada diposisi pertama pada Loyalty Index, Engagement Index, dan Marketing Engagment. Dalam perolehan ini tak terlepas dari usaha bank muamalat KC Banjarmasin yang menjadi salah satu pionir yang bergerak di dalam pencapaian tersebut. Penelitian ini merupakan jenis penelitian kualitatif dengan menggunakan data primer dan sekunder. Subjek dalam penelitian ini adalah Branch Manager dan Realitionship Manager di Bank Muamalat Indonesia Kantor Cabang Banjarmasin. Dengan objek penelitian dalam penelitian ini adalah strategi yang digunakan Bank Muamalat Kantor Cabang Banjarmasin. Teknik pengumpulan data dengan cara observasi, wawancara dan dokumentasi. Kemudian Teknik analisis datanya dengan Induksi dan Grounded. Hasil dalam penelitian pada analisis strategi bank dalam mempertahankan loyalitas nasabah yaitu sebelumnya pihak bank akan melakukan pemilihan beberapa segmen pasar yang berpotensi menjadi nasabah loyal seperti nasabah muslim, tingkat religiusitas yang tinggi serta tingkat Pendidikan yang baik. Selanjutnya pihak bank akan selalu menjaga kepercayaan nasabah, memberikan pelayanan yang terbaik serta komunikasi yang intens. Serta dilakukannya evaluasi monitoring sebagai penunjangnya dalam menjaga tingkat loyalitas nasabah dengan melihat seberapa banyak produk yang digunakan nasabah, survey kepuasan nasabah dan survey yang dilakukan oleh Lembaga independen.

Digital Revolution in Islamic Banking: Towards the Islamic Finance Era 5.0 Masrina, Masrina; Patmawati, Sri; Fauziah, Nurul
MALIA: Journal of Islamic Banking and Finance Vol 8, No 2 (2024): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v8i2.29630

This research examines the digital transformation in the Islamic banking industry towards the Islamic finance 5.0 era, with a focus on analyzing the impact of digitalization on operational efficiency, implementation challenges, and the development of effective governance models. Using a qualitative approach with an interpretive-constructivist paradigm, this study applies a systematic literature review with the PRISMA protocol to analyze primary sources from internationally reputable journals. The results show that digital transformation has resulted in a significant increase in operational efficiency, with a decrease in the Cost-to-Income Ratio of 12.5% and an increase in the accuracy of customer feasibility assessments by up to 78% through the implementation of big data analytics. The implementation of an artificial intelligence-based automation system in the sharia compliance screening process has reduced transaction processing time by up to 65%. The main challenges include the digital infrastructure gap, the complexity of sharia compliance in digital systems, and cybersecurity issues. The governance model developed integrates the Three Lines of Defense with the Digital Shariah Compliance Committee, resulting in an 83% reduction in the incidence of sharia non-compliance. The socio-economic impact can be seen from the increase in Islamic financial inclusion, with service penetration increasing by 156% in the last three years and the distribution of microfinance worth Rp 12.5 trillion to MSMEs. This research contributes to the development of a conceptual framework for digital transformation of Islamic banking that integrates aspects of technology, regulations, and sharia values, as well as provides practical recommendations for the sustainable development of digital Islamic banking.

INTEGRASI FITUR ZISWAF DALAM DIGITAL BANKING BANK SYARIAH: PELUANG DAN TANTANGAN (STUDI KASUS PADA BANK SYARIAH INDONESIA) Masrina, Masrina; Lestari, Dinda
Indonesian Scientific Journal of Islamic Finance Vol 3 No 2 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v3i2.11207

The digital transformation in the banking sector has created new opportunities for Islamic financial institutions to optimize social finance instruments. This study investigates the integration of Ziswaf (Zakat, Infaq, Sadaqah, and Waqf) features into Bank Syariah Indonesia's digital banking platform, analyzing the implementation process, opportunities, and challenges. Using a qualitative case study approach, data were collected through semi-structured interviews with 12 key informants, document analysis, and participatory observation of the BSI Mobile application. The findings reveal that BSI's Ziswaf digital implementation has yielded significant results, with a 172% transaction growth during 2021-2023 and collection value reaching Rp 72 billion in 2023. Key success factors include API-based technology architecture, personalized services, and enhanced transparency through impact tracking features. However, digital literacy gaps, technological infrastructure limitations in rural areas, resistance to change from traditional methods, and Sharia compliance complexities pose notable challenges. The study recommends developing a sustainable innovation model through "Digital Ziswaf Innovation Lab," implementing multi-channel education strategies, strengthening ecosystem collaboration via "Indonesia Ziswaf Digital Alliance," and utilizing data analytics to enhance service effectiveness. These initiatives can transform Islamic social finance while promoting wider Islamic financial inclusion.

The Influence of Mediation Approaches, Social Factors, and Psychological Factors on Family Dispute Resolution at the Ministry of Religious Affairs in West Java Masrina, Masrina; Muzayyin, Ahmad; Muhtadi, Muhamad Ammar
West Science Interdisciplinary Studies Vol. 1 No. 12 (2023): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v1i12.482

This research investigates the influence of mediation approaches, social factors, and psychological factors on the resolution of family disputes at the West Java Ministry of Religious Affairs. Employing a quantitative approach, the study involves a sample of 250 participants and utilizes Structural Equation Modeling with Partial Least Squares (SEM-PLS) for data analysis. The results reveal significant positive relationships between mediation approaches, psychological factors, and social factors with family dispute resolution. The integrated analysis underscores the interplay of these variables, highlighting the importance of culturally sensitive mediation strategies and holistic interventions that address both social and psychological dimensions. The findings contribute to a nuanced understanding of family dispute resolution dynamics in the specific cultural and religious context of West Java, providing valuable insights for policymakers, practitioners, and researchers in the field.

PENGARUH INFLASI DAN TINGKAT SUKU BUNGA TERHADAP PEMBIAYAAN PADA BANK SYARIAH DI KOTA BANJARMASIN Alni, Verina Ayustri; Maharani, Dewi; Masrina, Masrina
Al Dzahab Vol. 5 No. 2 (2024): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v5i2.4275

Purpose: This study aims to determine the effect of inflation and interest rates on financing at Islamic banks in Banjarmasin city. Design/methodology/approach: This research uses quantitative methods. The data used is secondary data and time series. Data sourced from the pages of Bank Indonesia, the Financial Services Authority (OJK), the Central Statistics Agency (BPS) and data from Islamic Commercial Banks which are the objects of this study in the period 2014 to 2023. Findings: Based on the results of statistical data processing, the results of this study indicate that the value of Sig. Inflation variable (X1), amounting to 0.993> 0.05 and the tcount value of 0.009 < 2.571. Sig value. Interest Rate Variable (X2) is 0.066> 0.05 and the tcount value is -2.571 < 2.571. The results of this study indicate that simultaneously the inflation and interest rate variables affect financing at Islamic banks in Banjarmasin City. This can be proven by the value of Fcount 2.825 > Ftable 4.45. Research implications: Based on the research results, it is known that although inflation and interest rates have no effect on financing in Islamic banks, the government must remain effective in controlling macroeconomic activities to maintain the stability of inflation and interest rates, so that economic stability can be guaranteed.

The Influence of Mediation Approaches, Social Factors, and Psychological Factors on Family Dispute Resolution at the Ministry of Religious Affairs in West Java Masrina, Masrina; Muzayyin, Ahmad; Muhtadi, Muhamad Ammar
West Science Interdisciplinary Studies Vol. 1 No. 12 (2023): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v1i12.482

This research investigates the influence of mediation approaches, social factors, and psychological factors on the resolution of family disputes at the West Java Ministry of Religious Affairs. Employing a quantitative approach, the study involves a sample of 250 participants and utilizes Structural Equation Modeling with Partial Least Squares (SEM-PLS) for data analysis. The results reveal significant positive relationships between mediation approaches, psychological factors, and social factors with family dispute resolution. The integrated analysis underscores the interplay of these variables, highlighting the importance of culturally sensitive mediation strategies and holistic interventions that address both social and psychological dimensions. The findings contribute to a nuanced understanding of family dispute resolution dynamics in the specific cultural and religious context of West Java, providing valuable insights for policymakers, practitioners, and researchers in the field.

Faktor-Faktor Perilaku Konsumtif Mahasiswa Terhadap Produk Kosmetik Berlabel Halal Maharani, Dewi; Masrina, Masrina; Aulia Putra, Ananda; Kalsum, Ummi
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i2.11722

This research uses a quantitative research approach, using the independent variables price and religiosity, while the dependent variable is students' purchasing decisions. The results of this research can be concluded that there is a partial influence on the price variable (X1) on students' decisions (Y) on student decision variables in purchasing cosmetic products labeled halal. Meanwhile, simultaneously the variable price (X1) and religiosity (X2) on the decision variable (Y) of students in purchasing cosmetic products labeled halal have a significant influence. With a coefficient of determination (R Square) value of 0.553, this means that the variables price (X1) and religiosity (X2) influence students' decisions (Y) in purchasing cosmetic products labeled halal by 55.3% and the remainder is influenced by other variables.

SOSIALISASI HUKUM RIBA TERHADAP PENGGUNA GOPAYLATTER DI DESA BERINGAN KECAMATAN ALALAK KABUPATEN BARITO KUALA Masrina, Masrina; Hasanah, Ikhwatun; Musthofa, Khabib; Andira, Ayu
RANGGUK: Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 2 (2024): RANGGUK: Jurnal Pengabdian Kepada Masyarakat
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/rgk.v4i2.3899

The Islamic ban of usury is an attempt to eradicate economic injustice. This is against Islamic teachings, which emphasize helping the poor and middle class so that the wealthy don't take advantage of them. Reason being that Islamic economics teaches a commitment to social order and humanity, while also rejecting the idea of injustice and the vicious cycle it creates, which in turn leads to poverty. Users of Gopaylartter in Beringin Village, Alalak District, Barito Kuala Regency will be educated on usury legislation and given an overview of Islamic perspectives on debt and credit, which do not include usury. Although there are still obstacles to solve before Islamic banking can be more widely and effectively implemented, there have been good outcomes from socializing usury legislation on GoPayLater users, such as improved knowledge, comprehension, and interest.

Title

Found 11 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 11 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 11 Documents
Search