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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 158 Documents
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Identification of Problems and Handling of Home Ownership Financing (PPR) Through Murabahah Contracts at Bank Syariah Indonesia (BSI) KCP Rungkut 1 Surabaya Shinta Wulandari, Athiya; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1644

Abstract

Penelitian ini bertujuan untuk mengetahui identifikasi persoalan dan penanganan Pembiayaan Pemilikan Rumah (PPR) melalui akad murabahah di Bank Syariah Indonesia KCP Surabaya Rungkut 1. Studi ini dirancang menggunakan metode kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data melewati proses wawancara dan dokumentasi. Keabsahan data yang digunakan adalah triangulasi sumber dan ada tiga tahap analisis data yaitu: Reduksi data, Penyajian Data (DisplayData), dan Penarikan Kesimpulan. Hasil penelitian ini menunjukkan bahwa, Implementasi Pembiayaan Pemilikan Rumah (PPR) pada BSI KCP Surabaya Rungkut 1 dalam pembiayaan menggunakan akad murabahah, tetapi juga menggunakan akad wakalah sebagai pelengkap pelaksanaan akad murabahah.Pelaksanaan akad murabahah pada BSI sudah memenuhi fatwa DSN-MUI Nomor 4/DSN-MUI/IV/ 2000, sebagaimana yang telah dilakukan pihak bank yang melakukan akad wakalah terlebih dahulu lalu dilanjutkan pelaksanaan akad murabahah setelah pihak bank melakukan transaksi dengan developer.Beberapa ragam persoalan dalam proses pembiayaan pemilikan rumah (PPR) dan penangan yang dilakukan oleh pihak BSI Surabaya Rungkut 1 sebagai berikut; Jika nasabah telat mengangsur dalam jangka waktu yang lama maka pihak BSI KCP Surabaya Rungkut 1 akan melakukan restrukturisasi atau rekondisi, jika nasabah melakukan take over pembiayaan diperbolehkan asalkan tujuannya untuk pelunasan pembiayaan (selain tujuan itu tidak diperbolehkan), dan jika ada musibah yang mendadak seperti nasabah meninggal dunia atau mengalami kebakaran rumah. Maka pihak Bank akan mengclaim asuransi nasabah ditujukan dalam hal melunasi pembiayaan yang masih tersisa. Adapun penanganan untuk menanggulangi peningkatan NPF, pihak BSI KCP Surabaya Rungkut 1 tentunya akan melakukan upaya-upaya agar dapat meminimalisir risiko tersebut yaitu dengan berpatokan pada 5C sebelum memberikan pembiayaan kepada nasabah. 5C terdiri dari: Character, Capacity, Capital, Collateral, Condisi.
The Effect of Job Satisfaction and Work Discipline on Employee Performance at BPRS Bhakti Sumekar Sumenep Putri, Andik Bone; Maftuhah, Rifa'atul; Rafsanjani, Haqiqi
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1648

Abstract

The bank itself is a financial institution that plays an important role in the economy of a country. The more developed the banking industry, the better the country's economic growth. Bank as a financial institution whose function is to collect and distribute funds to the public in order to increase equity, economic growth and stability. Thus, banks are able to collect and distribute public funds effectively and efficiently towards improving people's living standards. The main objectives of the researchers are (1) to find out whether there is a significant influence on job satisfaction on employee work, (2) to find out whether there is a significant influence on work discipline on employee work, and (3) to find out whether there is a significant effect simultaneously between the two variables namely job satisfaction and work discipline on the work performance of BPRS Bhakti Sumekar Sumenep employees. This research method was conducted using a quantitative approach. The population in this study were all employees of BPRS Bhakti Sumekar Sumenep, totaling 51 employees. In this study the sample technique used was saturated sampling where all members of the population were selected as samples. Data collection in this study was a questionnaire or questionnaire, then testing in analyzing information through classical assumption tests, multiple linear regression tests, and hypothesis testing using SPSS 26 software. positive and significant to employee performance (Y) tcount of 2.974 > ttable 2.00 with a significant value level of 0.238 less than 0.05. While Work Discipline (X2) by t test has a positive and significant effect on Employee Performance (Y) tcount of 4.156 > ttable 2.00 with a significant value level of 0.000 less than 0.05. Simultaneously, having an Fcount value of 30,731 while Ftable is 2.79. Because Fcount > Ftable (30,731 > 2.79) and a significance of 0.000 <0.05. And the magnitude of the job satisfaction variable (X1) and work discipline variable (X2) can be seen from the assessment of other variables outside the model. This value indicates that variations in employee work variables are influenced by job satisfaction (X1) and work discipline (X2).
Meta-Analysis Of Wakaf Based Sharia Microfinance Institutions Khaer, Rijalul; Firmansyah, Atep; Saepul Rohman, Pupun
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1661

Abstract

The purpose of writing this article is to examine the development of waqf-based Islamic Microfinance Institutions research in the world. The method used in this study is meta-analysis using data sources from articles published in international journals. The results show that there has been an increase in the development of IMFI waqf-based research from year to year. Many studies related to waqf based IMFI have been carried out with several countries in the world as case studies. A country that has become a lot of case studies in research related to this theme is Malaysia. In addition, based on the methodological approach used, the dominance of research was carried out using a qualitative approach. The paper that is widely cited is "Banking for the poor: The role of Islamic banking in microfinance initiatives". In addition, the author who often conducts research related to IMFI-based waqf is Mohamed Asmy bin Mohd Thas Thaker. The results of the analysis show that the management of cash waqf carried out by Islamic microfinance institutions is a solution to the current economic problems of the people. The potential of this waqf can later be used as a means of empowering the economy of the middle and lower classes with the role played by Islamic microfinance institutions. The implications of this research can be a reference for various stakeholders, especially the government, in the distribution of potential waqf managed by Islamic microfinance institutions.
Analysis of The Factors That Influence The Perceptions of Culinary Business Owners Regarding Intention to Register For Halal Certificates Priantina , Anita; Indra, Indra; Zaerofi, Afif; Mughni, Abdul
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1663

Abstract

Indonesia Law No. 33 of 2014 concerning Halal Assurance requires that by 2019 halal certification should be effectively implemented for food and beverage products, as well as service products related to both. Out of the 1.6 million micro, small, and medium enterprises (MSMEs), only 10 percent have been halal certified. This study aims to analyze the factors that influence the perceptions of culinary business owners regarding intention to register for halal certificates. Theory of Planned Behavior will be modified and implemented in preparing the frameworks of the dependent-independent variables. Using partial least square method, 200 sample of culinary producers -owners and managers- in Bogor were studied. Intention of producers is found to be significantly influenced by trust. Trust is also found to be sensitive to functional factor and subjective norm. Trust is also found to be determining attitude, together with functional factor and perceived behavioral norms. Trust is also significant in mediating the effect of perceived behavioral norms to intention, and also in mediating the effect of subjective norm to intention.The population of this study is the MSMEs culinary producers in Great Bogor Area, West Java, Indonesia. Only the respective owners and managers of the responding businesses were the main respondent. Similar research should be done for other types of halal product in order to generalize the results.This research modify TPB in setting the framework of determinants for halal certification intention. Variables added to the original TPB framework are trust and functional factor.This result concludes that trust is crucial in the effort to increase the number of halal certified products in Bogor. The halal certification authorities would have basis to review their policies, procedures, and technical guidelines for halal certification process. This study could be extended in terms of object and other potential determinant variables. Literatures related to halal certification has limited exposure to producers’ motivation for halal certification
Value Of Experience, Satisfaction, Love, Brand Loyalty and Behavior Intentions With Generation as Moderating Variable Sabella, Jenny; Sitohang, Ellen Theresia
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1667

Abstract

This study aims to understand the condition of BSI employees as one of the impacts during the first year of the merger process. This research and writing is also motivated by the idea that a business organization certainly wants optimal performance. In order for the organization to provide optimal performance, the thing that must be strengthened is the Human Resources (HR) as an asset and the company's internal customers. Study uses SPSS 17.0 and WarpPLS 7.0 as analysis tools. The reason for using WarpPLS 7.0 is because it can be used for large respondents and this is statistics for analyzing several research variables simultaneously and can be used for research using primary data using the survey method. The number of respondents in this study were 118 people spread throughout Indonesia. The consideration for the justification for using the number of respondents is based on the theory (Sholihin, 2020a) that the minimum sample size for SEM-PLS must be equal to or greater than (1) ten times the largest number of formative indicators used or (2) ten times the number of pathways largest structural unit regarding a particular construct in the structural model. The majority of respondents argue that the value of employee experience can influence employee satisfaction, and employee satisfaction with BSI influences employee love and loyalty for BSI which encourages employee intentions to be active in BSI's internal organization. Respondents also agreed with the hypothesis which states that the moderating generation affects the value of experience on employee satisfaction. Implications: this study also confirms previous research that satisfaction can affect the love and loyalty of a brand. This study also confirms that the majority of respondents agree that the value of employee experience can affect employee satisfaction, and employee satisfaction with BSI affects employee love and loyalty to BSI which encourages employees' intention to be active in BSI's internal organization. the practical implication is that the behavior of employees to be active in BSI's internal organization can be a medium that strengthens relations between employees. Variable value of employee experience and variable intention of planned behavior to join an internal organization as a novelty / novelty.
Analysis of The Influence of Financing, Inflation, and The Amount of Money Supply on The Profitability of Syariah Bank in Indonesia Aulia, Nadia Putri; Nur Aisyah, Esy
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1668

Abstract

Profitability can show good company performance. Was conducted The research to determine the effect of financing, inflation, and the money supply on the profitability of Islamic banks in Indonesia. This study uses quantitative methods using secondary data. The sampling technique used in this study uses specific criteria, with the final sample result being 8 Islamic Banks registered with the Financial Services Authority in 2012-2021. The data analysis method in this study uses SPSS-25, with multiple linear regression testing tools, classical assumption testing, hypothesis testing, and determining coefficient tests. The study results show that financing variables partially do not affect the ROA profitability of Islamic banks in Indonesia. The inflation variable partly does not affect the ROA profitability of Islamic banks in Indonesia. The money supply variable also has no partial impact on the ROA profitability of Islamic banks in Indonesia. However, the financing variables, inflation, and the money supply can all affect the ROA profitability of Islamic banks in Indonesia. The effect is 31.0%, where the variables with financing, inflation, and the money supply simultaneously affect the ROA profitability of Islamic banks in Indonesia, and other variables influence the rest.
The Potential of Municipal Sukuk Issuance in Indonesia - A Review of Theoretical Research Ulfah, Indar Fauziah
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1664

Abstract

The main objective of this study is to provide local authorities with municipal Sukuk as an alternative to financing local infrastructure and developing areas. This study reviews the previous literature examining contemporary municipal sukuk and Discussed issues related to restrictions on the issuance of municipal sukuk. The research shows that the barriers to municipal Sukuk issuance are: Regional Barriers, Credit risk, Political Risk, Credit Weakness among stakeholders, Lack of through understanding of Shariah and financing and implementation. It was an exploratory study and aimed to identify barriers to becoming municipal bonds. Blocks of municipal Sukuk are listed from all possible sources. The study proposes some practical ways to overcome the obstacles to the provision of municipal sukuk in order to promote more municipal sukuk in various regions of the country to support sustainable development through equitable infrastructure distribution.
Flexing as a Marketing Strategy: A Perspective from Islamic Economic Law Sa'diyah, Siti; Rizka, Rizka; Rosyadi, Imron
Perisai : Islamic Banking and Finance Journal Vol 8 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1638

Abstract

This research aims to analyze flexing in marketing from the perspective of Shariah economic law. The phenomenon of flexing, as a common marketing strategy, has recently become prevalent, particularly on social media. However, the current development of flexing presents several issues as it tends to disregard Shariah concepts, thereby potentially harming consumers. This study is a literature review that utilizes primary sources, such as interpretations by Yusuf Qardhawi and economist Reynal Kasali through YouTube channels, as well as secondary sources, including the phenomenon of flexing on social media. The findings of this research indicate that flexing can support marketing activities but tends to have negative impacts on society. Therefore, Islamic business practitioners are advised against employing flexing as a marketing tool, as it violates Shariah principles, such as avoiding defamation, arrogance, ostentation, extravagance, and hypocrisy.
The Effect of Net Profit and Net Cash Flow on Market Capitalization (Case Study of Sharia Banking Companies at the Indonesia Stock Exchange 2019–2022 Period) Aulia Zahra, Ananda Putri; Rafsanjani, Haqiqi; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol 8 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1671

Abstract

Capital market players or investors will consider several elements that can indicate the state of the company, such as examining financial reports from cash flow to profit and loss statements. In addition, the company's share price will ultimately be related to its market capitalization value. The profits obtained by investors will increase along with the increase in stock market capitalization, and the greater the appreciation, the higher the level of profit from an alternative investment. This study aims to determine the effect of net income and net cash flow on market capitalization. Secondary data in the form of Sharia Banking quarterly financial reports that have been listed on the Indonesia Stock Exchange (IDX) for 2019-2022 is the source of the data. Three samples for this research sample were obtained, namely Bank Panin Dubai Syariah (PNBS), Sharia National Pension Savings Bank (BTPS), and Bank Syariah Indonesia (BSI). Panel data regression analysis with the Eviews 12 program was used in this study. The results show that partially net income has a negative and insignificant impact while net cash flow has a positive and significant impact on market capitalization. Meanwhile, market capitalization is simultaneously influenced by net profit and net cash flow variables.
Program Innovation in the National Amil Zakat Management System: A Step Towards Enhancing the Welfare of Mustahik Rozi, Muhammad Fakrur; Mashudi; Qomarul Huda
Perisai : Islamic Banking and Finance Journal Vol 8 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1678

Abstract

The continued development of the ZIS management system which gave birth to new programs which are the result of the program innovations of each amil zakat institution is expected to be able to improve the welfare of mustahik in various fields. This study aims to find out the collection, distribution, utilization and reporting of zakat, infaq, alms (ZIS) funds at BAZNAS Tulungagung and NU Care-LAZISNU Tulungagung. This research method is qualitative with descriptive research type, data collection techniques with in-depth interviews, moderate participation observation and documentation, data analysis model of Miles and Huberman. Checking the validity of the data by extending observations, increasing persistence, triangulation and member checks. The results of this study are 1) collection at BAZNAS Tulungagung through UPZ, Bank Transfers, Counters/counters, by conducting outreach to agencies and social media Instagram Facebook and YouTube while NU Care- LAZISNU Tulungagung through the MWC, Twigs and congregation, bank transfers, zakat car, with socialization to congregations, and social media Instagram Facebook and WhatsApp groups. 2) Distribution of BAZNAS Tulungagung through education compensation programs, medicine for Islamic boarding schools, mass circumcision, house renovations, and Zakat Community Development (ZCD) for tourist villages while NU Care- LAZISNU Tulungagung through education care programs, free medical treatment, disaster response, mosque construction, programs wholesale. 3) Utilization of BAZNAS Tulungagung through a basic food distribution program for orphans totaling 1500 pcs each year, One Family One Bachelor scholarship (SKSS) at 4 universities in Tulungagung for underprivileged families, "fertile goat" farms of 50 goats in the area village of Besole, business capital for etek traders is 1 million rupiah, while NU Care-LAZISNU Tulungagung through the staple rice program for the poor, 550 free eyeglasses for mustahik in the education sector, 140 "integrated goat" farms in the village area pakisaji, business capital for small businesses or wholesalers of 2 million rupiah. 4) BAZNAS Tulungagung reporting through the BAZNAS Information Management System (SIMBA) and Instagram social media and the official website while NU Care-LAZISNU Tulungagung submits reports to BAZNAS Tulungagung, People's Welfare, Ministry of Religion and social media Instagram and Facebook and WhatsApp groups.

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