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Fitri Nur Latifah
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INDONESIA
Perisai : Islamic Banking and Finance Journal
Published by Universitas Muhammadiyah Sidoarjo
ISSN : 25033077     EISSN : 25033077     DOI : https://doi.org/10.21070/perisai
Core Subject : Economy,
Economics, Econometrics & Finance
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
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Pemasaran
Articles 7 Documents
 1 
Search results for , issue "Vol 6 No 1 (2022): April" : 7 Documents clear
Sharia Marketing Management Strategy in the Online Buying and Selling Mechanism Cici’ Wilantini; Uly Mabruroh Halida
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1579

Abstract

The growth of users of online buying and selling transactions continues to increase every year. In online buying and selling transactions, there are many frauds or discrepancies between the contract agreed at the beginning and the goods/services received. The role of sharia marketing management is needed here so that unwanted things do not happen. This research is a library research (Library Research). The references used in this research are books, journals and publications indexed on Google that are still relevant to the research topic. The results of this study indicate that Islamic marketing management is indispensable in the online buying and selling mechanism. Sharia marketing management is the first step to build consumer loyalty by considering product suitability, financial benefits, and spiritual values ​​that are believed to be. The three basic concepts in Islamic marketing management are; strategies for sharing thoughts, tactics for market share, and values ​​for hearts. Then there are five characteristics of Islamic marketing management including; love consumers, honest and transparent as a brand, segmentation a la prophet, keep promises, and maintain the balance of nature. The impact that will be felt on online buying and selling that implements sharia marketing management, namely; consumers will conduct transactions regularly, make purchases with a more diverse range of products, consumers recommend to other potential customers, and the attitude of commitment from consumers to continue to make transactions at the same place.
The Role of Credit Risk as Mediating the Effect of Liquidity on Sharia Banking Performance Julia Safitri; Yuridistya Primadhita
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1580

Abstract

This study aims to examine and analyze the relationship of the influence of liquidity on bank performance mediated by credit risk. Using data on Islamic banking companies listed on the IDX in 2013-2019. The methodology of this research was carried out to achieve the objectives of this study, namely how the influence of liquidity on the performance of Islamic banking companies in Indonesia which is mediated by credit risk. By processing data from data collected from the pre-pandemic and during the pandemic, this research can prove the proposed hypothesis. The analytical tool used is SEM-PLS with WarpPLS 7.0 application. The results of this study indicate that credit risk can partially mediate the relationship between the influence of liquidity on bank performance. This study succeeded in proving that the influence of liquidity on bank performance is acceptable and can be mediated by credit risk. This is in line with the Commercial Loan Theory which explains that providing loans to short-term and productive customers can minimize customer defaults, so that the company's performance will be maintained. During the current pandemic, it is one of the things that makes companies careful in managing liquidity as well as in distributing credit. Banks must be really selective in choosing loans submitted by customers, in order to avoid defaults that cause a decline in bank performance.
Factor Analysis of Time Deposits on Customer Interests at BMT UGT Nusantara Banyuanyar Probolinggo Branch Niroh Qonita Tillah Maulana Malik Ibrahim; Bashori Alwi
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1582

Abstract

Customer satisfaction is very important in improving the quality or customer confidence in the improvement or development of Islamic financial institutions. This research has a purpose to see what the customers' perceptions of satisfaction with the distribution of ratios obtained from BMT UGT Nusantara Banyuanyar Branch and what factors influence customer interest in deposit products at BMT UGT Nusantara Banyuanyar Probolinggo Branch. The approach taken is a quantitative approach. The measuring instrument selected in this research is the Likert scale. The population used is the customers of BMT UGT Nusantara Banyuanyar Branch. Purposive sampling method is used to take samples. There are three sampling techniques based on characteristics, namely 1) Customers aged over 20 years, 2) Having time deposits, and 3) Having savings deposits for 1 year and over. Questionnaires were distributed to customers of BMT UGT Nusantara Banyuanyar Branch. A total of 53 samples is in line with the provisions of the characteristics of the determination of the sample. Testing the data taken in this research consisted the classical assumption testing (normality test, multicollinearity, and heteroscedasticity) as well hypothesis test (multiple regression analysis). The results of research on profit sharing, location, and social environment good impact on consumer interenst. Meanwhile, promotion and religiosity have no impact on customer interest. These results are said to be in the T test and the result are significantly less than 0.05 and greater than the T table.
Baitul Mal Wat Tamwil Architectural Map: Institutional and Regulatory Analysis Pupun Saepul Rohman; Nisful Laila; Atina Shofawati
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1583

Abstract

Bait al-maal wa al-tamwiil is a sharia microfinance concept that only exists in Indonesia. There is a uniqueness in the concept, namely the merging of social activities with commercial activities in one institution. This institution was born along with the birth of Islamic banking in Indonesia. This study collects a number of literatures to describe the architectural map of BMT in Indonesia. Currently BMTs mostly operate under Law no. 25 of 1992 concerning Cooperatives and a few others operate under the Financial Services Authority (OJK) through Law no. 1 of 2013 concerning Microfinance Institutions (MFIs). The DSN MUI fatwa which is the basis for the existence of BMT is the DSN-MUI Fatwa No. 141/DSN-MUI/VIII/2021 concerning Guidelines for the Establishment and Operation of Sharia Cooperatives.
Implementation Of Synergy Of Zis Fund Management In Sharia Banking And Zakat Management Organizations (Opz) For Strengthening The Zakat Ecosystem Phatriakalista Intan Apsari; Arin Setiyowati; Fatkhur Huda
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1590

Abstract

In February 2021, Bank Syariah Indonesia or abbreviated as BSI officially operates, BSI is a merger of Bank Syariah Mandiri, Bank BNI Syariah, and Bank BRI Syariah. BSI changed the constellation of Islamic banking in Indonesia, which formed a new pillar of strength for the Islamic economy in Indonesia. In carrying out the social functions of BSI, especially in the realm of zakat, it certainly cannot run alone. This means that it requires both internal and external BSI institutions in managing zakat funds and other Islamic social funds. Zakat management organizations (OPZ) that are partnered include the National Amil Zakat Agency (BAZNAS) as a form of support in encouraging community participation to increase ZIS and to ensure proper distribution of targets to those who really need it. ) and the National Amil Zakat Agency (BAZNAS) collaborated in which this step was taken as a form of enthusiasm from BSI and BAZNAS in an effort to strengthen and distribute the zakat ecosystem and the Love Zakat Movement. This study aims to analyze the synergy between BSI and BAZNAS in managing ZIS funds and implementing the synergy program to improve community welfare. This research was conducted using qualitative research methods, literature study approach (Library Research). The validity of the data using source triangulation, and data analysis techniques using descriptive analysis. The results show that BSI and BAZNAS in their synergy activities have an analysis of strengths and opportunities, and the implementation of synergies carried out by BSI and BAZNAS in supporting the strengthening of ZIS for the welfare of the community and as support for the charity love movement, namely the policy of merging BAZNAS accounts to BSI, ZIS payment features in the BSI Mobile Banking Application, and the BSI company's zakat payments submitted to BAZNAS.
Implementation of Risk Management in Bank Syariah Mandiri Griya Financing Products Zumrotun Nazia; Nanang A. Daud
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1596

Abstract

This study aims to determine the implementation of risk management in the financing products of the Mandiri Griya Islamic Bank. This research uses a descriptive qualitative method with a field study approach, as well as in-depth interviews with informants. The results of this study indicate that the implementation of risk management on BSM Griya financing products at BSM KCP Malang Turen has been in accordance with the guidelines and provisions imposed by the BSM head office. As for what has been done by BSM KCP Malang in managing risk on BSM Griya products, among others, first starting with identifying risks, risk assessment and also risk control, then each implementation is reported to the head office. BSM KCP Malang Turen also conducts an online system in an effort to minimize the risk of financing and bank operations. Meanwhile, the problem of human resources is an obstacle in the implementation of BSM Griya financing. The steps for handling non-performing financing for the BSM Griya product are carried out by first identifying the customer's journey, and in terms of collectibility for further action by the bank.
Threat of Data Theft (Phishing) Amid Trends in Fintech Users During the Covid-19 Pandemic (Study Phishing In Indonesia) Fitri Nur Latifah; Imron Mawardi; Bayu Wardhana
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1598

Abstract

The purpose of this research is to find out the extent of the crime of data theft (phishing) in fintech and how to anticipate it in Indonesia in the midst of the Coronavirus Pandemic that has hit Indonesia in recent years. The COVID-19 pandemichas had an impact on all community activities. The existence of social distancing and physical distancing policies has made changes to community activities, including financial services. The use of technology-based financial services or what is often termed financial technology has now become a trend and habit in the community. The literature review research method that we use in this study uses sources from several literacies such as books, journal articles, media reports and so on.The results of this study that phishing is currently found in several models of crimeand there are several efforts to prevent this crime from becoming more widespread.

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