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Perbandingan Konsep Sistem Lembaga Keuangan Sosial Syariah : Bank Wakaf Mikro, Baznas Microfinance Desa, dan Bank Infak Alimin, Alimin; Fahlefi, Rizal; Shabri, Husni; Zulkifli, Zulkifli
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14756

Abstract

This research aims to analyze the comparison of the concept of the operational system of Islamic Social Financial Institutions such as the Micro Waqf Bank, Baznas Microfinance Village, and Infak Bank. The research method uses qualitative Conceptual Comparison Method. Data collection techniques using interviews and documentation. The results showed that the system concepts of three Indonesian Islamic social financial institutions are purely social from the aspects of status as a social institution, funding, financing, and distribution, and have many operational system similarities. However, there are differences in the sources of capital in the form of alms, zakat, waqf, general donations, and CSR which have become the responsibility of the company. In terms of type, the three institutions are classified as ethical banks or non-bank Islamic ethical financial institutions because they emphasize the purpose of their activities on outcomes and impact rather than profit at all. In terms of the cash waqf theory of capital resilience, the three institutions are less efficient from the aspect of business sustainability, because the amount is at risk of decreasing and will always depend on donations, where the funds are channeled to poor businesses that are at risk of inability to repay loans. The researcher recommends a commercial social financial institution model that is commercial in seeking profit, but social in profit distribution
Pengaruh Kompetensi dan Persepsi Mahasiswa Terhadap Fresh Graduate Syndrom Untuk Bekerja di Perbankan Syariah Fitria, Nita; Lestari, Widia; Shabri, Husni; Fahlefi, Rizal
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15097

Abstract

This research aims to determine the influence of competence and perception on fresh graduate syndrome working in sharia banking for students of the Sharia Banking Study Program at UIN Mahmud Yunus Batusangkar. The type of research used is quantitative research with data collection techniques using questionnaires. The results of this research show that the competency of sharia banking alumni influences fresh graduate syndrome working in sharia banking. Students need to develop various relevant competencies during the study period to minimize the impact of the syndrome of working in sharia banking. Competencies that new graduates must have include mastery of sharia banking knowledge, technical banking skills, financial analysis skills. Apart from increasing competence, forming a positive perception of the sharia banking industry also plays an important role in preparing students to face the world of work. Simultaneously, the competence and perception of Islamic banking alumni at the State Islamic University Mahmud Yunus Batusangkar influence the fresh graduate syndrome working in sharia banking. By combining competency development and forming positive perceptions, students will be ready to face the challenges of the world of work and can reduce the risk of fresh graduate syndrome and increase opportunities for career success in the sharia banking industry
DETERMINAN RETURN ON ASSET PADA PT. BANK MUAMALAT INDONESIA Tbk Candra, Revi; Shabri, Husni; Azizah, Aprilia Nur; Fahlefi, Rizal
Al-bank: Journal of Islamic Banking and Finance Vol 4 No 1 (2024): January - June 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i1.10618

Abstract

This study aims to analyze the effect of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Cash Turn-over on Return On Asset (ROA) at PT Bank Muamalat Indonesia (2012-2021). This research method uses a quantitative approach. The data source used is secondary data sources in the form of financial statements of PT Bank Muamalat Indonesia. The data analysis technique uses multiple linear regression analysis processed with the SPSS 26 program. The results showed that partially NPF and Cash Turnover had an effect on ROA with a significant value of 0.000 and 0.0009 respectively smaller than 0.05. CAR partially has no effect on ROA with a significant value of 0.151 greater than 0.05. Simultaneously NPF, CAR, and Cash Turn-over affect ROA at PT Bank Muamalat Indonesia with a significant value of 0.000 smaller than 0.05. Determinant of the influence of NPF, CAR and Cash Turn-over on Return On Asset is 55.1%.
Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat Azlina, Nur; Shabri, Husni; Qizam, Ibnu
Al-bank: Journal of Islamic Banking and Finance Vol 3 No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9169

Abstract

This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by banks because they have a very strong influence on bank performance.