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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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The Effect of Right Issue on The Stock Performance of PT Bank Syariah Indonesia Tbk (BRIS) Rukmini, Mimin; Izzani Ulfi; Riskayanto
Perisai : Islamic Banking and Finance Journal Vol 8 No 2 (2024): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i2.1752

Abstract

The right issue policy is carried out by companies that have gone public. It usually aims to expand its business by increasing the capital obtained from old investors through Pre-emptive Rights. This study aims to test and find out how the difference in stock performance at PT Bank Syariah Indonesia Tbk (BRIS) before and after the right issue corporate action. This study uses secondary data sourced from various existing writings and publications such as those used in this study, namely retrieval of historical stock price data through the official website bankbsi.co.id owned by Bank Syariah Indonesia, and historical data on the Jakarta Composite Index (JCI) through the investing.com page. The sampling method used in this study was purposive sampling. Samples in this study were taken from stock prices for 5 (five) months before and after the right issue event in December 2022. The results of this study indicate that the right issue has no significant effect on stock performance when viewed from stock returns. However, the right issue has a significant influence when viewed from the abnormal stock return. Suggestions for further research can increase the observation time of the right issue event and the use of different abnormal stock return analysis models such as the market model or market adjusted model.
Product Analysis of Micro, Small and Medium Enterprises of Bankziska Partner Lazismu Ngrayun Ponorogo Rois, Adib Khusnul; Susanto, Happy; Sudarmadi, Sudarmadi; Laily, Gabriel
Perisai : Islamic Banking and Finance Journal Vol 9 No 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1729

Abstract

This study discusses the empowerment of the Community's economy carried out by BankZiska Lazismu Ngrayun with Micro, Small, and Medium Enterprises partners in Selur Village using the Qardhul Hasan program. The background of this study is that many small and medium enterprises in Selur Village are trapped in bank loans, making it difficult for them to develop their businesses. The income they earn is used to pay off the debts of loan sharks who ensnare them every day. Therefore, company management is only static and difficult to develop. The presence of BankZiska Lazismu helps small and medium enterprises escape the trap of usury and usury loans. Those who may be trapped and affected by usury can be helped by the Qardhul Hasan loan. The research method used is qualitative with a case study approach, data collected through interviews, observations, and documentation from the director of BankZiska Lazismu Ngrayun and Micro, Small, and Medium Enterprises partners of BankZiska. The results of the study show that BankZiska Lazismu Ngrayun is very helpful for Micro, Small, and Medium Enterprises to develop their businesses and provide financial assistance with the Qardhul Hasan system. Partners funded by BankZiska There are approximately 50 BankZiska partners in Ngrayun, the products produced by Micro, Small, and Medium Enterprises partners of BankZiska there include: instant tiwul, instant Gatot, instant turmeric, instant ginger, palm sugar, gadung chips, taro chips, tempeh chips, these products are typical food souvenirs from Ngrayun sub-district.
Legal Risk Analysis of Micro KUR Products Using Murabahah Bil Wakalah Contracts in Sharia KUR Financing Nisa, Fatika Khairun; Lestari, Nur Melinda
Perisai : Islamic Banking and Finance Journal Vol 9 No 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1765

Abstract

KUR Sharia is one of the financing programs aimed at assisting micro, small, and medium enterprises in Indonesia. KUR Sharia is implemented by Islamic banks with the aim of increasing access to financing for micro, small, and medium enterprises that have not yet been reached by the conventional banking system. This financing product uses Sharia principles, which are expected to provide ease for entrepreneurs with lower interest rates and lighter requirements. This type of financing uses the murabahah bil wakalah contract, which is a sale and purchase system based on wakalah. In this sales system, the seller delegates the purchase to the customer, thus the first contract is the wakalah contract, and after the wakalah contract ends, it is followed by the Murabahah Bil Wakalah contract. This research uses a descriptive qualitative method that gathers information through interviews with employees of Bank Syariah Indonesia X. The results of this study indicate that legal risk arises due to the absence of supportive legislation or weaknesses in obligations, such as the failure to meet the valid contract requirements or the imperfect binding of collateral. This legal risk is closely related to financing risk. The impact on Islamic banks is the emergence of problematic financing, one of which is caused by weaknesses in collateral binding. As a result, Islamic banks face difficulties in executing collateral if financing risks occur. Thus, legal risk and financing risk must be identified, measured, monitored, and managed properly.
The Effect of Product Quality and Service Quality on Member Satisfaction on Multipurpose Blessing Loans at KSPPS BMT NU East Java Camplong Branch Nisa’, Khoirun; Umam, Khotibul
Perisai : Islamic Banking and Finance Journal Vol 9 No 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1780

Abstract

This research aims to analyze the influence of product quality and service quality on member satisfaction for the Multiguna Berkah Loan product at KSPPS BMT NU East Java, Camplong Branch. The research employed a quantitative method through multiple linear regression analysis with a sample of 98 respondents drawn from the population of members using the loan product. The results indicate that both product quality and service quality have a positive and significant impact on member satisfaction. These findings demonstrate that improvements in product and service quality can increase member satisfaction, which in turn can strengthen their loyalty to the Multiguna Berkah Loan product at KSPPS BMT NU East Java, Camplong Branch. This research provides important implications for the management of KSPPS BMT NU East Java, Camplong Branch to continuously enhance product and service quality and collect feedback from members for sustainable improvement.
Systematic Literatur Review of Productive Waqf in Indonesia and Their Contribution to SDGs Sa’adah, Tsuroyya Putri; Ritonga, Iskandar; Latifah, Fitri Nur; Mugiyati, Mugiyati
Perisai : Islamic Banking and Finance Journal Vol 9 No 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1802

Abstract

The developing waqf management models is still focused on traditional sectors such as agriculture, plantations, and using waqf assets in building and land. This research aims to summarize models of productive waqf management in Indonesia. the method employed in this study is the Systematic Literature Review (SLR). The research questions were formulated using the PICOC criteria, which included population, intervention, comparison, outcomes, and context. As a result, several studies were identified that describe successful models of productive waqf management, which can serve as literacy resources for each nadzir’s waqf institution throughout Indonesia.
Performance Measurement of Islamic Banking Based on Maqashid Shariah Using The Approaches of Islamic Social Reporting, Intellectual Capital, and Shariah Compliance Wahyudi, Muhamad; Rokhaniyah, Siti; Sasviranti, Aprilya Retno
Perisai : Islamic Banking and Finance Journal Vol 9 No 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1806

Abstract

This study aims to analyse the performance of Islamic banks using a maqashid sharia-based approach that is audited with Islamic Social Reporting (ISR), Intellectual Capital, and Shariah Compliance to create a holistic performance measurement, in line with islamic values. This study uses the Systematic Literature Review (SLR) method to review various previous studies related to the implementation of Maqashid Sharia in Islamic Banking at the national and international levels. The results show that the use of maqashid sharia approach provides a more comprehensive evaluation than conventional methods such as CAMELS, which only focuses on financial indicators. Islamic Social Reporting plays an important role in reflecting the social responsibility of islamic banks, while effective Intellectual Capital management encourages innovation and increased competitiveness. Shariah Compliance is also a key pillar in ensuring all bank operations run in accordance with the principles of islamic law. However, several studies show that the implementation of these three elements has not been optimal in some institutions, which causes the impact on Maqashid Syariah performance to vary.
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.

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