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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Riset Manajemen dan Akuntansi (JURIMA) Adpebi Science Series
Anggreni, Melisa
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Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Economics, Econometrics & Finance Environmental Science

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URGENSI TRANSFORMASI DIGITALISASI PERBANKAN SYARIAH SECARA MASIF DALAM KERANGKA MAQASHID SYARIAH Anggreni, Melisa; Taufiq, Muhammad
Jurnal Riset Manajemen dan Akuntansi Vol. 2 No. 3 (2022): Desember: Jurnal Riset Manajemen dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurima.v2i3.1691

Abstract

The growth of the sharia bank business has been predicted to exceed the growth of the national banking sector as disclosed by the Chief Economist of PT Bank Syariah Indonesia Tbk (BSI) Banjaran Surya Indrastomo in the BSI Sharia Outlook 2023. However, the increase in Third Party Funds (DPK) was 11.46% YoY or higher than the national banking DPK projection of 9.6% YoY does not automatically increase the overall interest of sharia banking customers in choosing sharia banking services compared to conventional banking services. We can see this from the data on the number of placements of government funds, both BUMN, BUMD & Public Service Agencies (BLU), including the UIN Sjech M. Djamil Dajmbek Bukittinggi work unit, which are more in conventional banks than Islamic banks. Data on users of Islamic bank services and conventional banks at UIN Sjech M. Djamil Djambek Bukittinggi also have more conventional bank service users than Islamic banks with a ratio of 60% to 40%, based on data from 252 employees of the State Civil Apparatus of UIN Bukittinggi, only 106 service users. Islamic banks that place payroll or salary funds in Islamic banks and the rest use conventional banks. This phenomenon is the basis for the analysis in this study where from interview surveys with some employees of the State Civil Apparatus of UIN Bukittinggi where Islamic bank digital banking is one of the indicators driving interest in using Islamic bank services. Qualified digital banking is a must and must be able to accommodate the interests of Islamic banking services to achieve the goal of benefit within the framework of Maqashid Syariah (Dharuriyyah, Hajiyat and Tahsiniyat). The division of dharuriyyah is categorized into 5 basics, namely 1) Religion, 2) Soul, 3) Heredity, 4) Intellect and 5) Wealth. This research method uses a qualitative research study with a literature review approach. The results of the study show that digital transformation in an inclusive manner is an urgency that cannot be postponed anymore and must be carried out massively by increasing the capacity of Islamic banking capital in the IT sector of Islamic banking.
the Review literature: The effect of prices and income on consumer choice and consumption in Islam: substitusi effect and income consumption in Islam AMIN, AL -; Astuti, Tifany Y; Anggreni, Melisa; Khairani, Zelfia; Nasriandani, Elvi; Alfiona, Fifa; Putri, Anne; Asyari, Asyari
Adpebi Science Series 2022: 2nd AICMEST 2022
Publisher : ADPEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The change in the quantity demanded caused by a change in price occurs through two effects that are complementary to each other, which are called the substitution effect and the income effect , these effects also affect theory. behavior consumer in islam and based on law Islam on basically different with theory conventional. Difference this concerns score core in lower theory, motive and destination consumption, technique choice and allocation budget consumption. The method used in this study is literature review, with various sources of journal literature in the last five years. Based on the results of the reviewed articles that can explain how changes in relative prices affect consumer choices. And when choosing a product, consumers will consider its price as well as the price of alternative products from the cross-price elasticity of demand. And in Islam, the level of consumption of these goods is usually termed goods that are daruriyat, tahsiniyat, and hajiyat.
BMT's Role as a Strategic Partner of Sharia Banks: Reviewing the Effectiveness of Channeling Programs in Creating Islamic Financial Inclusion Anggreni, Melisa; Puteri, Hesi Eka
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v5i4.4702

Abstract

This study aims to examine the role of Baitul Maal wa Tamwil (BMT) in increasing the liquidity of Islamic banks in Indonesia. This research uses qualitative research methods with a case study approach. The data used in this study came from several BMTs that have cooperation with Islamic banks in terms of liquidity. The data collection techniques used in this study were observation and documentation. The data analysis technique used in this study is qualitative data analysis with a descriptive analysis model. The results of this study show that BMT acts as a strategic partner of Islamic banks in terms of liquidity, both through the placement of deposit funds, the purchase of Islamic money market instruments, the distribution of productive financing, and the development of Islamic financial inclusion. BMT also has a fairly high liquidity performance, with ratios that show good numbers and are in accordance with standards set by relevant authorities. BMT is influenced by internal and external factors that affect its liquidity, such as BMT size, capital, profitability, asset quality, market sensitivity, and macroeconomic conditions. BMT has differences and similarities with Islamic banks and other non-Islamic bank financial institutions in terms of liquidity, depending on its characteristics, scale, and scope of business. This research provides theoretical and practical implications for the development of theory and practice of liquidity management of Islamic banks and non-Islamic bank financial institutions in Indonesia, as well as providing suggestions for further research.
Co-Authors Alfiona, Fifa AMIN, AL - Anne Putri Astuti, Tifany Y Asyari, Asyari Hesi Eka Puteri Khairani, Zelfia Muhammad Taufiq Nasriandani, Elvi