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Fitri Nur Latifah
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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
 12   13   14   15   16 
The Effect of Wadiah Savings and Problem Financing (NPF) in the 'Precise Sharia Financing' Product on the Profitability Level of PT. Bank BTPN Syariah Tbk for the Period 2015 - 2023: Pengaruh Tabungan Wadiah dan Pembiayaan Bermasalah (NPF) Pada Produk ‘Tepat Pembiayaan Syariah’ Terhadap Tingkat Profitabilitas PT. Bank BTPN Syariah Tbk Periode 2015 - 2023 Dewi, Aulia Siska Puspita; Moch Khoirul Anwar; Maryam Bte Badrul Munir
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.v8i2.1746

Abstract

This study aims to empirically examine the effect of wadi'ah savings and non-performing financing (NPF) on profitability (ROA) in the Precise Syariah Financing product at PT Bank BTPN Syariah during the period 2015 - 2023. Using an associative quantitative approach. The study conducted by researchers using secondary data derived from BTPN Syariah quarterly financial statements for the period 2015 - 2023. The data analysis technique used multiple linear regression analysis through Eviews 12 as a data processing tool. The study results showed that an increase in wadi'ah savings significantly positively contributed to an increase in ROA, while an increase in NPF had a significant negative effect. The regression model developed was able to explain 71.15% of ROA variability. This finding explains that an increase in wadi'ah savings tends to increase profitability, while an increase in NPF tends to decrease the level of profitability of BTPN Syariah. The implication is that banking management needs to focus on managing the increase in wadi'ah savings and improving the quality of financing to increase profitability. This study provides important insights for Islamic banking management in optimizing financial performance, especially in the context of the Tepat Pembiayaan Syariah product and contributes to the literature on factors affecting the profitability of Islamic banks in Indonesia. This study contributes to the Islamic banking literature, but has limitations in terms of the research period and variables used. Future research is expected to expand the scope of variables and periods in the study to obtain generalized results.
Pilgrimage Tourism to Wali Tombs and Halal Destination Management Based on Sharia Values: Wisata Ziarah Wali dan Pengelolaan Destinasi Halal Berbasis Religius Kusumaningtyas, Menur; Ulfah, Indar Fauziah; Latifah, Fitri Nur; Putranto, Johni Harius
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.v8i2.1747

Abstract

This study explores the relationship between pilgrimage tourism to Wali tombs and halal tourism, focusing on the integration of Sharia values in the management of religious destinations. In the context of East Java, this research examines the application of Sharia principles by site managers to maintain the sanctity and integrity of the sites, as well as its impact on the experience of Muslim tourists. The study uses a qualitative approach with a case study method. Data were collected through in-depth interviews with site managers, tourists, and local communities, along with direct field observations. The findings show that the application of Sharia management in site operations not only enhances tourist satisfaction but also strengthens the local economy and cultural preservation. However, the study also found a lack of understanding of Sharia values among some site managers. This research provides recommendations for site managers to create tourist destinations aligned with Sharia principles, supporting the growth of halal tourism in Indonesia. It is hoped that the results of this study can serve as a reference for developing policies on sustainable and responsible religious tourism.This study has several limitations, including the geographical scope limited to East Java and restricted access to all pilgrimage site managers. Therefore, the findings cannot be generalized to all religious tourism destinations in Indonesia. Further research covering a broader area is recommended to enrich the findings.
The Effect of Right Issue on The Stock Performance of PT Bank Syariah Indonesia Tbk (BRIS): Pengaruh Right Issue Terhadap Kinerja Saham 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.
Legal Risk Analysis of Micro KUR Products Using Murabahah Bil Wakalah Contracts in Sharia KUR Financing: Analisis Risiko Hukum Produk Mikro KUR Yang Memakai Akad Murabahah Bil Wakalah Pada Pembiayaan KUR Syariah 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: Pengaruh Kualitas Produk dan Kualitas Layanan Terhadap Kepuasan Anggota Pada Pinjaman Multiguna Berkah di KSPPS BMT NU Jawa Timur Cabang Camplong 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: Tinjauan Sistematis Model Wakaf Produktif di Indonesia dan Kontribusinya terhadap 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: Pengukuran Kinerja Perbankan Syariah Berbasis Maqashid Syariah Dengan Pendekatan Islamic Social Reporting, Intellectual Capital, dan 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.
Determining Factors in The Interest of Using QRIS (A Case Study of MSMEs in Karanganyar Regency): Faktor-Faktor Yang Menentukan Minat Penggunaan QRIS (Studi Kasus UMKM Di Kabupaten Karanganyar) Khasanah, Dina Uswatun; Arfiansyah, Mufti Arief
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1785

Abstract

MSMEs or Micro, Small and Medium Enterprises have a vital role in maintaining the stability of the Indonesian economy. MSMEs as one of the merchant users of QRIS are required to continue to be creative and adapt to increasingly advanced technological advances. This study aims to examine the relationship between interest in utilizing QRIS among MSME actors in Karanganyar Regency with factors of convenience, perceived benefits, security, and knowledge. The data used consists of primary data, specifically collected through distributing questionnaires and conducting interviews with MSME owners. The research population was 95 respondents using the purposive sampling method. The analysis method in solving the problems studied and testing the hypothesis is multiple regression analysis. The data processing process uses SPSS software version 26. The research findings state that the variables of perceived benefits & knowledge have an influence on interest in using QRIS and convenience & security have no influence on the dependent variable.

Page 16 of 16 | Total Record : 158

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