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Journal : El Dinar

ANALISIS FAKTOR-FAKTOR YANG DIPERTIMBANGKAN KONSUMEN DALAM MENABUNG DI LEMBAGA KEUANGAN SYARIAH Solekah, Nihayatu Aslamatis
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 1, No 01 (2013): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (221.064 KB) | DOI: 10.18860/ed.v1i01.2518

Abstract

This paper aims to analyze the factors that considered by customer in making a decision to deposit their money at the Islamic Financial Institutions as well as to analyze the main factors considered by customers in making a decision to deposit in to Islamic Financial Institutions. The research method used is factor analysis. The analysis technique used is through the following stages: Description of Data, Test of variables Interdependence, extraction factor (early statistics), factor before the rotation, Rotation Factor and Validity Test and reliability of the model factor. The samples in this research are 100 respondents from 7 BMT in Malang city. Sampling of customers of Islamic financial institutions in this research is using a purposive sampling technique, which is sampling of customer of Islamic financial institution that intentional without consider the level in the population. This technique is done due to the member of the population is considered homogeneous and already well-known. The results of this study showed that environmental factors that consist of cultural, social class, personal, and family and marketing mix factors that consist of product, place, promotion, and price are the factors that considered by customers when making a decision to deposit their money in to Sharia Financial Institutions. The main factors to be considered are the marketing mix, and environmental factors.
Analisis model pengelolaan zakat dan wakaf (Studi Yayasan Yatim Mandiri Cabang Malang) Solekah, Nihayatu Aslamatis
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 2 (2016): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3583.072 KB) | DOI: 10.18860/ed.v4i2.5459

Abstract

Among the objectives of waqaf in islam is the distribution of welfare among the people and poverty  eradication. When well managed endowments will support  the development both in economic, religious, social, cultural, political, defense and scurity. The purpose of this study was to examine the management model of zakat and waqf productive. The result of this study are expected to provide benefits to provide a more substantial to the scientists, researchers, readers and the public that there is a model of productive management of waqf grant that can be used as an example in the management of zakat and waqf productive. The result showed that the foundation is independent orphans have an independent organizational system, in which the form of institutions such as the institute amil zakat generally resulting in organizational system there is no interfence from goverment regulations. Constraints/ problems experienced in Yayasan Yatim Mandiri Malang from the internal aspect is the lack qualified Human Resources an Human Resource Capibility less creative. Constraints/ problems faced in the Orphan Foundation of Malang independent external aspect is still modest community thought lack of support from family. To resolve the internal problems of orphans independent foundation that is to prepare a Qualified Human Resource (Internal). As for the external problem than it should maximize the marketing and provide understanding to families or orphans
PENGARUH PEMBIAYAAN MURABAHAH DAN MUSYARAKAH MELALUI KREDIT BERMASALAH TERHADAP LIKUIDITAS BANK UMUM SYARIAH Laksmi Puteri, Sayyida Islamiya; Solekah, Nihayatu Aslamatis
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 6, No 1 (2018): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (632.655 KB) | DOI: 10.18860/ed.v6i1.5450

Abstract

One of the causes of bankruptcy is not due to losess incurred but due to the inability to maintain cashflow availability. This study aims to determine the direct relationship of murabahah and musyarakah financing to Islamic bank liquidity through the NPF ratio. This study is descriptive quantitative study using path analysis and purposive sampling to determine the sample. The results of this study indicate that murabahah financing has no effect on NPF but effect the liquidity of Islamic bank. On the contrary, for musyarakah financing affecting NPF but not for liquidity of Islamic bank. It can be implied that due to differences in risk coverage of the two contract (murabahah financing dan musyarakah financing) where murabahah financing the level of risk that may arise will be more borne by the recipient of  the financing. This contrasts with the musyarakah financing agreement where the risk Non performing loan  can be minimized by sharing the risk in musyarakah financing.However, its relationship with bank liquidity, in fact murabahah financing provides a large contribution considering that islamic bank get certainty about the profit ratio of this financing agreement. As for musyarakah financing, Islamic bank liquidity actually decreases due to uncertainty in the profit sharing ratio it receives. From the result of the intervening test, NPF proxied by the ratio of NPF of Islamic banks did not mediate murabahah financing and musyarakah financing to Islamic bank liquidity.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT BAWEAN DALAM MEMILIH BANK SYARIAH Salis, Nur; Solekah, Nihayatu Aslamatis
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 7, No 2 (2019): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (803.839 KB) | DOI: 10.18860/ed.v7i2.6570

Abstract

Indonesia Sharia banks need to be developed because they have comprehensive advantages over conventional banking. To reach services to the community, it is necessary to expand in developing a network of Sharia Bank offices. Therefore there must be an effort from Sharia banking increases public interest in Sharia Banks so that it can be developed. The purpose of this study is to find out what factors influence the interest of the Bawean community in choosing a Sharia Partner Bank and to find out what the most dominant factors influence the interest of Bawean community in choosing Sharia Partner Bank. This study uses descriptive quantitative method. The population of this study is 165 samples of Bawean community and the sampling technique used purposive sampling. The data analysis technique uses Partial Least Squares (PLS) analysis which is a Structural Equation Modelling (SEM). The result of this study indicate that the marketing mix factor, internal individual consumers and external individual consumers influence the interest of the Bawean community  in choosing Sharia Partner Banks. While the marketing mix factor is the most dominant factor affecting the interest of the Bawean community in choosing Sharia Partner Banks.