Perisai : Islamic Banking and Finance Journal
PERISAI Journal of Islamic Banking and Finance publishes articles and short communications in Banking and Finance covers wide range of islamic studies forms such as Fiqh Muamalah, Economy, Banking, Finance, Islamic Studies and Business Model issue. Reader : Islamic Studies, society, student Author : academic, professional
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<![CDATA[Book Leverage in Islamic Banking in Indonesia ]]>
<![CDATA[Intan Shaferi]]>;
<![CDATA[Julia Safitri]]>;
<![CDATA[Arinal Rahmati]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 5 No 2 (2021): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v5i2.1322
<![CDATA[The purpose of this study is to examine how book leverage is in Islamic banks in Indonesia. The leverage book shows how the use of debt in Islamic banking. This study will give the results of how the lag leverage, profitability with the size of the company as the control have an effect on the book leverage of Islamic banking. This study uses Islamic banking data in Indonesia with a research period of four years, namely 2016-2019. This study used secondary data from Islamic banking and analyzed using regression. The results showed that there is an influence between lag leverage, profitability, and company size on the book leverage of Islamic banking in Indonesia.]]>
<![CDATA[Working Period As A Moderating Variable Of Work Family Conflict, Work Stress, And Turnover Intention On Counterproductive Work Behavior ]]>
<![CDATA[Dewi Puspa Amalia]]>;
<![CDATA[Muhammad Zakiy]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 5 No 2 (2021): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v5i2.1363
<![CDATA[Counterproductive work behavior has caused a lot of harm to the organization and employees, both directly and indirectly. This research aims to determine the effect of work-family conflict, work stress and turnover intention on counterproductive work behavior with tenure as a moderator variable. This research using a purposive sampling technique and took 100 employees of BCA Syariah Bank by distributing questionnaires. The data obtained were analyzed using SmartPLS 3.3. The results of this research are work family conflict, and work stress has a positive effect on counterproductive work behavior, while turnover intention has a negative effect on counterproductive work behavior. The employees who want to resign will maintain their attitude by acting permanently or more productively than usual. The excuse is that employees avoid the penalties and keeps a good track record. In addition, tenure moderates the effect of work-family conflict on counterproductive work behavior.]]>
<![CDATA[Analisis Dampak Program Pemberdayaan Terhadap Kesejahteraan Umat ]]>
<![CDATA[Ferry Khusnul Mubarok]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 5 No 2 (2021): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v5i2.1429
<![CDATA[Poverty is still a problem, especially in realizing prosperity. Many programs are carried out to alleviate poverty, one of which is the empowerment program carried out by Islamic microfinance institutions. This study aims to identify the effect of empowerment contracts on people's welfare. This study uses a quantitative approach. This study uses primary data obtained from interviews, observation, documentation. The data analysis technique used a regression approach. The results and discussion showed that the empowerment contract which included the qardhul hasan and musyarakah contracts had a significant effect on customers' income. Thus, empowerment through the qardhul hasan and musyarakah contract schemes can be developed to realize the welfare of the people.]]>
<![CDATA[Pengaruh Religiusitas, Pelayanan dan Tarif Premi terhadap Kepuasan Nasabah Asuransi Syariah dengan Minat Berasuransi Syariah Sebagai Variabel Intervening di Perusahaan Asuransi Syariah Cabang Surabaya ]]>
<![CDATA[Erwan Aristyanto]]>;
<![CDATA[Allen Pranata Putra]]>;
<![CDATA[Riduwan]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 5 No 2 (2021): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v5i2.1508
<![CDATA[Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh religiusitas, pelayanan, tarif premi terhadap kepuasan nasabah dengan minat berasuransi syariah sebagai variabel intervening di Asuransi XYZ Syariah Cabang Surabaya. Penelitian ini merupakan penelitian eksplanatori dengan pendekatan kuantitatif. Populasi dalam penelitian ini adalah nasabah yang bergabung di perusahaan asuransi XYZ Syariah Cabang Surabaya. Sampel diambil dengan menggunakan teknik accidental sampling dengan kriteria (1) masyarakat yang sudah menjadi nasabah asuransi syariah , dan (2) berusia 17 – 50 tahun sebanyak 100 responden. Analisis data menggunakan PLS dengan program SmartPLS 3.2.8.Hasil penelitian ini menunjukkan bahwa (1) Religiusitas berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (2) Pelayanan berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (3) Tarif premi berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (4) Religiusitas berpengaruh negatif dan tidak signifikan terhadap kepuasan nasabah, (5) Pelayanan berpengaruh positif dan signifikan terhadap kepuasan nasabah]]>
<![CDATA[Implementasi Akad Isthisna’ Tanpa Bank Dalam Memenangkan Persaingan Bisnis Property (Studi Kasus di PT Samawa Proper ]]>
<![CDATA[Alvan fathony]]>;
<![CDATA[Ahmad Nur Bustomi]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 5 No 2 (2021): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v5i2.1531
<![CDATA[The house is one of the needs that must be fulfilled by humans, the need for housing in Indonesia is increasing every year in line with the high population growth. Based on a letter issued by the finance minister regarding the home ownership loan program, many residential property business developers offer home services in an effort to meet the need for housing. Then came the conventional mortgages and sharia mortgages. Sharia mortgages are schemes that continue to develop and attract public interest with their sharia transaction systems, either with a Murabaha or Isthisna 'contract. This study aims to find out how the practice of istishna contract is applied by the developer of PT Samawa Property Group. This type of research is descriptive qualitative research with exposure related to solving existing problems. The results of this study indicate that the contract used is the istishna contract which is able to meet the needs of the community for houses without riba transactions, clear price transparency, no fines or confiscation so that it is mutually beneficial and able to improve the welfare of the community.]]>
<![CDATA[Persepsi Masyarakat Terhadap Destinasi Wisata Syariah: Tujuan Fenomena (Studi Kasus Pada Wisata Syariah Utama Raya Banyuglugur Situbondo) ]]>
<![CDATA[Saifuddin]]>;
<![CDATA[Sofiyatul Mukarromah]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 5 No 2 (2021): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v5i2.1532
<![CDATA[Wisata syariah merupakan wisata yang mengedepankan nilai dan norma keislaman yang sesuai dengan syariat islam sebagai landasan dasarnya. Penelitian ini bertujuan untuk mengetahui atau melihat bagaimana persepsi masyarakat atau wisatawan terhadap destinasi wisata syariah di Utama Raya Banyuglugur Situbondo. Penelitian ini merupakan penelitian kuantitatif dengan metode survey yang dilakukan dengan menyebarkan kusioner terhadap 55 responden. Hasil penelitian ini menunjukkan bahwa wisatawan dan masyarakat setempat memiliki persepsi baik terhadap wisata syariah di Utama Raya, menurut hasil data yang terlah terkumpulkan. Wisatawan dan masyarakat setempat sangat antusias dengan adanya wisata syariah di Utama Raya.]]>
<![CDATA[Perilaku Konsumen Berdasarkan Religiusitas ]]>
<![CDATA[Siti Asiyah]]>;
<![CDATA[Hariri Hariri]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 5 No 2 (2021): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v5i2.1533
<![CDATA[Penelitian ini bertujuan mengkaji lebih dalam perilaku konsumen yang didasarkan religiusitas dan kesadaran halal yang dimiliki konsumen dosen muslimah di Malang. Penelitian ini menggunakan studi fenomenologi yang bertujuan mengkaji lebih dalam pengalaman pribadi dosen Muslimah dalam melakukan pembelian produk kosmetik halal. Studi fenomenologi berdasar kedua aspek ini masih jarang dilakukan. Sehingga dengan dilakukannya penelitian ini akan menambah hazanah ilmu pengetahuan khususnya bidang perilaku konsumen. Adapun focus permasalahan yang akan diteliti dalam penelitian ini yang pertama; adalah bagaimana informan memaknai aspek religiusitas yang dimiliki dalam mempengaruhi perilaku konsumsinya terhadap produk halal dan yang kedua; adalah bagaimana kaitan antara religiusitas dan kesadaran halal yang dimiliki informan, sehingga ini akan menambah khazanah pengembangan ilmu pengetahuan khususnya perilaku konsumen berdasar aspek religiusitas. Hasil penelitian menunjukkan: Pertama) Aspek religiusitas dimata dosen muslimah dimaknai sebagai bentuk “komitmen” terhadap keimanan yang mereka miliki, sehingga aspek religiusitas dijadikan pertimbangan utama dalam pembelian/pemilihan kosmetik halal. Kedua)Religiusitas dan kesadaran halal mempunyai kaitan yang erat, hal ini dibuktikan dengan kecenderungan dosen Muslimah lebih memilih kosmetik yang halal dibanding kosmetik non halal. Hasil ini menunjukkan bahwa semakin tingggi religiusitas yang dimiliki informan, maka akan tinggi pula tingkat kesadaran halal yang dimiliki oleh dosen Muslimah di Malang.]]>
<![CDATA[Analisis Optimalisasi, Transparansi dan Efisiensi Pengelolaan Dana Zakat Pada Badan Amil Zakat Nasional (Baznas) Sidoarjo ]]>
<![CDATA[Achmad Yusuf]]>;
<![CDATA[Masruchin Masruchin]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 5 No 2 (2021): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v5i2.1539
<![CDATA[Zakat is one of the pillars of philanthropy in Islam. In its management, of course, must carried out and comply with applicable laws. There are several zakat institutions in Indonesia, One of them is the National Amil Zakat Agency (Baznas). This research aims to see the extent to which the level of optimization, transparency and efficiency of zakat management at the Amil Agency National Zakat (Baznas) in Sidoarjo. Data collection techniques used in This study uses observation and interviews. The results of this research discussion areoptimization can be said to be quite optimal by utilizing human resources in the inside and outside Baznas to drive distribution optimization levels. Transparency has not been said to be maximal because there is no financial reporting to the public overall. The management efficiency in 2019 was 128.9%.]]>
