Perisai : Islamic Banking and Finance Journal
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
Articles
158 Documents
<![CDATA[Identifikasi Pembayaran Bergerak (Mobile Payment) yang Mengganggu (Disruptive) di Indonesia ]]>
<![CDATA[Robertta Indira Mawarrini]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 1 No 3 (2017): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v1i3.1179
<![CDATA[This research aims to identify disruptive mobile payment in Indonesia. Mobile payment as a sector of financial technology is enabling the lifestyle transformation of electronic banking. The future of retail banking is a smartphone experience that gladden and customers also aspire for a “bank in my pocket”. Mobile payment as the second sector most likely to be disrupted in the intersection of finance and technology industry. The promising approach of disruptive innovations is proposed by Professor Christensen from Harvard Bussiness School. They suggest that two strategies for identifying the new disruptive growth of business, as following: “creating a new market as a base of disruption” and “disrupting the business model from the low end”. Our research findings that mobile payment tends to replicate bank’s business model, its business model only espouse financial institution. Customers also desire their mobile payment have to the following three priorities: anytime and anywhere, fully digital (convenience), fast and accurate. When epicenter of disruption of mobile payment have been widely misunderstood and its basic principle frequently misapplied. Islamic mobile payment should be immediately developed in order to expand the coverage of Islamic financial services]]>
<![CDATA[Ketegasan Regulasi Laporan Ketaatan Syarian dalam Optimalisasi Financial Technology Lembaga Keuangan Syariah ]]>
<![CDATA[Fahmi Firdaus]]>;
<![CDATA[Agnes Febiola]]>;
<![CDATA[Silvana Faiqoh]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 1 No 3 (2017): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v1i3.1173
<![CDATA[Financial Technology in the digital era becomes an opportunity as well as a challenge for Islamic banks as one of Sharia Financial Institutions. Financial Technology for the customers. However, the current role of sharia banks has not been able to shift the position of conventional banks that are more inclusive, Islamic banks that can not guarantee the true quality of sharia. Regulations on the Sharia Compliance Report are not clearly identified as significant differentiators from conventional bank practices. The Weakness of Regulation of Bank Indonesia Regulation Number 10/16 / PBI / 2008 Article 2 on the Implementation of Sharia Principles has not guaranteed the performance of the true Islamic banks. The Shari'a Compliance Report is a mirror of the Shariah Enterprise Theory which states that the purpose of accounting is to provide information covering the efforts of stakeholders in performing devotion to Allah SWT to work on the triple bottom line (profit, human, and planet) model, given financial technology and distrust to use the services of sharia banks due to the negative image of Islamic banks.]]>
<![CDATA[Pengaruh Keterlibatan Kerja, Budaya Organisasi dan Motivasi Kerja terhadap Kepuasan Kerja Pegawai ]]>
<![CDATA[Yakup Yakup]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 1 No 3 (2017): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v1i3.1112
<![CDATA[This study aims to examine and analyze the effects of job involvement, organizational culture and work motivation on employee satisfaction. The sample size in this study was 53 employees Community Empowerment Board and Bone BolangoRegency Village Government determined by saturation sampling techniques. The collection of data by distributing questionnaires using 5-point Likert Scale to measure the grain of the four variables studied statement. The analysis technique used is multiple linear regression analysis. The results showed that partially, work engagement, organizational culture and work motivation positive effect on employee satisfaction and the Community Empowerment Board Bone Bolango Regency Village Government. In addition, approximately 52 percent of the variation employee satisfaction can be explained by work engagement, organizational culture and work motivation, while the remaining 48 percent is contributed by other variables not included in this research model.]]>
<![CDATA[Persepsi Label Halal Bagi Remaja Sebagai Indikator Dalam Keputusan Pembelian Produk: As a Qualitative Research ]]>
<![CDATA[Hendri Hermawan Adinugraha]]>;
<![CDATA[Wikan Isthika]]>;
<![CDATA[Mila Sartika]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 1 No 3 (2017): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v1i3.1365
<![CDATA[Penelitian ini bertujuan untuk mendeskripsikan tingkat pemahaman remaja kota Semarang mengenai label halal dalam suatu produk baik itu makanan, minuman maupun kosmetik. Penelitian ini dilakukan dengan menggunakan kuesioner dan wawancara terstruktur dalam pengambilan data. Indikator yang digunakan dalam pengumpulan data yaitu pengertian produk halal, macam-macam produk halal, indikator dalam keputusan pembelian produk serta indicator umum yang diperhatikan remaja. Sampel yang digunakan dalam penelitian ini sebanyak 102 responden dengan metode pengambilan data yaitu purposive sampling. Hasil dari penelitian ini menunjukkan bahwa terdapat 42% responden masih kurang memahami definisi secara lengkap mengenai produk halal, namun sebesar 78% dari responden mampu menyebutkan macam-macam produk halal dan 81% memahami label halal menjadi indikator dalam keputusan pembelian produk. Selanjutnya sebesar 84% responden memahami apa saja yang menjadi indikator secara umum yang dipertimbangkan dalam membeli produk.]]>
<![CDATA[Analisis Peran Koperasi Simpan Pinjam Syari’ah dalam Meningkatkan Kesejahteraan Anggota ]]>
<![CDATA[Subadriyah Subadriyah]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 1 (2018): April ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v2i1.1084
<![CDATA[Aim of this research is to examine that crediting by savings and credit cooperatives to debtors, whether the provision has been effective and on target and credit granting has been used wisely by the debtor and not for consumptive purposes. The methodology used is qualitative approach with phenomenological study method. Subjects in this study are recipients of credit (debtor) of savings and loan cooperatives in Jepara and the location of research there are 2 namely: Savings and Loan Cooperative Syari'ah A and Savings and Loan Cooperative Syari'ah B. And from this research found that the granting of credit is considered not effective by sharing reasons]]>
<![CDATA[Optimalisasi Pembangunan Sektor Pertanian Indonesia dengan Menggunakan Sharia Agraria Manajement Organization (SAMO) ]]>
<![CDATA[Nina Sakinah]]>;
<![CDATA[Eka Purwanti]]>;
<![CDATA[Siti Jamilah]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 1 (2018): April ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v2i1.1468
<![CDATA[Indonesia is an agrarian country. Many Indonesians work as farmers. The agricultural sector has a great function in maintaining national food security, especially in maintaining the welfare of farmers. Interim data in 2013 show that the agricultural sector is in second position in contributing to GDP. With the existing data then the farmers should be able to live prosperous. But in reality farmers in Indonesia have problems that cause their quality of life is still far from the word worthy, such as low income and productivity, difficulties in credit applications, low education and irrigation systems that have not been optimal. Judging from the existing problems it is necessary to establish a management system that can overcome them. The purpose of this research is to optimize the potential of agricultural sector in Indonesia by using Sharia Agraria Management Organization (SAMO) by synergizing Baitul Mal Wa Tamwil (BMT) with Local Government and Central Government. This research was conducted by Meta Analysis method, based on observation and literature study, the authors conclude that with the existence of SAMO, farmers can improve their standard of living, increased productivity, and easy in the application of farming credit. It is expected that with this system can maintain the quality of the community environment and achieve the implementation of sustainable development.]]>
<![CDATA[Pengaruh Kualitas Layanan terhadap Loyalitas Melalui Variabel Kepuasan pada Lembaga Amil Zakat (Studi pada Baituzzakah Pertamina Kantor Pusat) ]]>
<![CDATA[Nurul Musqari]]>;
<![CDATA[Nurul Huda]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 1 (2018): April ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v2i1.1469
<![CDATA[The purpose of this study was to determine the effect of service quality on customer loyalty through satisfaction variable in BAZMA Pertamina Office. Respondents were muzaki who distribute their zakah, infaq and shodaqoh through BAZMA. Total respondents 130 muzaki using purposive sampling, analysis using Structural Equation Modeling (SEM) with AMOS program. Results of this research, Service quality has positive effect and significant on satisfaction muzaki. Satisfaction has positif effect and significant on loyalty muzaki. Service quality has negative effect and not significant on loyalty muzaki.]]>
<![CDATA[Pengaruh Akuntabilitas Publik dan Transparansi Laporan Keuangan Terhadap Kepercayaan Donatur pada Yayasan PPPA Daarul Qur’an Nusantara ]]>
<![CDATA[Athifah Athifah]]>;
<![CDATA[Ai Nur Bayinah]]>;
<![CDATA[Efri Syamsul Bahri]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 1 (2018): April ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v2i1.1496
<![CDATA[Non-profit organizations as the institute for public sector own functions and usefulness of providing facilities to the public by using wealth awarded by benefactors or society. But these functions cannot take place in good if rules out the importance of public management system. Among them is application of public accountability and transparency, especially for financial statements. Transparency indicates accountability form addressed to the foundation’s donors. Donors can be relied upon that trust and activities in organization can run continuously. These characteristics make the non-profit organization can not release itself from interests community area. This study will test related to the influence of public accountability and transparency from financial statements toward donors in PPPA Daarul Qur’an Nusantara Foundation. This test is quantitative research with multiple regression statistical analysis. The statistical result shows that at the same time (simultaneously), public accountability and transparency financial statements have a positive effect towarddonors trust. However, in partial or separate variable, public accountability does not have an influence toward trust of Donors. While the transparency of financial statement has influenced significantly.]]>
<![CDATA[Pendekatan Komprehensif E-Commerce Prespektif Syariah ]]>
<![CDATA[Muhammad Nizar]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 1 (2018): April ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v2i1.1486
<![CDATA[There is concern for customers who use e-commerce services especially Islamic communities in Indonesia, both from the perspective of security and shariah perspective. There are two problems arising from this online transaction, the first is the medium of internet network transactions, and the second medium of payment by credit card. This research will discuss and highlight some of the challenges related to the sustainability of services run by the government.]]>
<![CDATA[Financial Performace and Systemic Risk Effect On Stock Return (Case Study on Oil and Gas Companies Listed In IDX Year 2011-2016) ]]>
<![CDATA[Dede Hertina]]>;
<![CDATA[Mohamad Bayu Herdiawan Hidayat]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 2 (2018): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21070/perisai.v2i2.1533
<![CDATA[This study aimed to determine whether the return on assets, debt to equity ratio, and systematic risk effected on stock returns on oil and gas companies listed on the Stock Exchange period 2011-2016. The research method used was descriptive method verifikatif with research sample as much as 5 oil and gas company. The technique of selecting the sample used purposive sampling, while the method of analysis used was analaisis regresi panel data at significance level 5%, by using Eviews9. Partial result shows that Return On Asset was not influential to stock return and DER have negative and significant effect to stock return, while Beta had positive and significant effect to stock return and simultaneously Return On Asset, DER, and beta have positive effect to stock return.]]>
