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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 6 Documents
 1 
Search results for , issue "Vol. 4 No. 2 (2020): October" : 6 Documents clear
Financial Technology in Islamic View Hidajat, Taofik
Perisai : Islamic Banking and Finance Journal Vol. 4 No. 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.465

Abstract

The development of financial technology made many changes, including Islamic finance. This paper reviews how fintech is changing the shape of the Islamic finance industry through mobile payments, microfinance, peer-to-peer lending, and crowdfunding. The use of e-wallet is as long as it does not violate the provisions. Microfinance cannot be separated from Islamic finance if we want to increase social welfare through inclusive growth and encourage the distribution of wealth. Islamic microfinance structure can deal with the problem of poverty. The appropriate and fair crowdfunding model for small businesses is profit sharing or using mudaraba contracts. In Islamic finance, the role of bitcoin is controversial.
Analisis Rasio Permodalan, Likuiditas, Rentabilitas, Kualitas Aktiva Produktif dan NPF di KSPPS BTM Surya Umbulharjo Yogyakarta (Analysis of Capital Ratio, Liquidity, Profitability and NPF at KSPPS BTM Surya Umbulharjo Yogyakarta) Adha, Mufti Alam; Wahyudi, Rofiul
Perisai : Islamic Banking and Finance Journal Vol. 4 No. 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.837

Abstract

The main objective of this research is to analyze the ratio analysis of capital, liquidity, profitability, and non-performing financing (NPF) at KSPPS BTM Surya Umbulharjo Yogyakarta. This research is quantitative with a descriptive approach. Source of research data derived from primary and secondary documentation Annual Members Meeting (RAT). The research data analysis technique used is descriptive statistical analysis. This approach is used to provide an overview of the financial performance of KSPPS BTM Surya Umbulharjo Yogyakarta. The results showed that the BTM capital ratio during the study period showed a healthy category, the liquidity ratio was in the liquid category, the profitability ratio showed in the low category, and the NPF ratio showed in the sufficient category.
Determinan Pengungkapan Islamic Social Reporting (ISR) pada Perbankan Syariah di Indonesia (Determinants of Islamic Social Reporting (ISR) Disclosure at Islamic Commercial Banks in Indonesia) Arianugrahini, Ikkama; Firmansyah, Egi Arvian
Perisai : Islamic Banking and Finance Journal Vol. 4 No. 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.841

Abstract

This study aims to analyze the factors that affect the disclosure of Islamic Social Reporting (ISR) in the annual report of Islamic Commercial Banks (BUS) in Indonesia for the 2014-2018 period. The method used in selecting the sample in this study was sampling using 55 samples which were determined based on the sample criteria in this study. Hypothesis testing in this study uses multiple linear regression analysis. ISR is evaluated based on content analysis by analyzing the annual reports of 11 Islamic Commercial Banks (BUS) in the 2014-2018 period. The results of this study indicate that, simultaneously, all independent variables have a positive effect on ISR. Firm size has a significant effect on ISR, while company age, profitability, leverage, and cost efficiency have no significant effect on ISR. It does not affect company age, profitability, leverage, and cost efficiency because these variables are not directly related to the ISR disclosure.
Pengaruh Financial Technology Terhadap Perbankan Syariah: Pendekatan ANP-BOCR (The Influence of Financial Technology on Islamic Banking: ANP-BOCR Approach) Muhammad, Helmi; Sari, Niki Puspita
Perisai : Islamic Banking and Finance Journal Vol. 4 No. 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.868

Abstract

The objective of this study was to examine the influence of financial technology (FinTech) on Islamic banking from the aspects of benefit, opportunity, cost and risk (BOCR). The research data were obtained through in-depth interviews and questionnaires from respondents which consisted of experts from academia, FinTech practicioners, Islamic banking practitioners and financial services authorities who were chosen by purposive sampling. The data analysis method of this research was Analytical Network Process (ANP) with the BOCR network structure approach. The results show that based on the priority aspects of the respondents' answers, rapid development of the FinTech industry provides positive opportunities for Islamic banking to implement strategic cooperation with the FinTech industry as a customer-oriented integral part.
Pengaruh Omzet Usaha dan Nilai Jaminan Terhadap Kelancaran Pengembalian Pembiayaan Murabahah pada UMKM di BMT (The Effect of Turnover and Collateral Value on The Smooth Repayment of Murabahah Financing for MSME Customers) Azizah, Nur; Kaban, Reny Fitriana; Hadiyati, Puji
Perisai : Islamic Banking and Finance Journal Vol. 4 No. 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.902

Abstract

This study aims to determine the effect of turnover and collateral value on the smooth repayment of murabahah financing for MSME customers at BMT At-Taqwa Kemanggisan. This study uses quantitative methods with primary obtained data by interviews with BMT and secondary obtained data from annual report of BMT debtors. The research method used purposive sampling with sample of 286 debtors and the data is processed by STATA application version 14.2. The results show that the variables of turnover and collateral value simultaneously effect the smooth repayment of murabahah financing with a significance value of 0.0000. Meanwhile with the partial test only the turnover variable has effect on the smooth repayment of murabaha financing with significance value 0.023.
Penerapan Kinerja Mashlahah Performa dalam Penghimpunan Harta di Al Muttaqin Kota Tasikmalaya (Implementation of Mashlahah Performance in Asset Collection in Al Muttaqin, Tasikmalaya City) Rohman, Pupun Saepul; Ramdani, Ramdani; Krisnaningsih, Diah
Perisai : Islamic Banking and Finance Journal Vol. 4 No. 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.948

Abstract

This study aims to examine the management of assets at the Al Muttaqin Foundation LPI for its suitability with maqāṣid syarīah in its measurement using Maslahah Performance (MaP) developed by Ahmad Firdaus (2014). Research related to educational institutions' performance was conducted by Arianti (2014) on the implementation of financial management in private educational institutions. Another study was conducted by Gunanta (2012) using the Balanced Scorecard concept and Firdaus and Prianto (2012) using the Maslahah Scorecard concept. This study's results indicate that, in general, LPI Al Muttaqin has fulfilled asset collection performance based on maqaṣid sharia. This is evidenced by the scores of the six Maṣlahah Performance orientations (MaPs), which are greater than the threshold score for the assessment criteria.

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