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
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158 Documents
<![CDATA[Zakat Produktif Sebagai Modal Kerja Usaha Mikro ]]>
<![CDATA[Efri Syamsul Bahri]]>;
<![CDATA[Reni Oktaviani]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 2 (2018): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v2i2.1686
<![CDATA[Zakat is a duty ordered directly by Allah in the Qur'an. Zakat is well managed and able to empower mustahik as well as be a solution in alleviating poverty. The focus of this research is how to describe productive zakat as a micro business work capital and what are the benefits of productive zakat as working capital for mustahik? The purpose of this research is to dig deeper the model of productive utilization of zakat as working capital of micro business. The method used in this study is a qualitative method with a descriptive approach that describes a condition or fact finding with appropriate interpretation. The results of this study indicate that zakat institutions that apply the productive zakat model as a micro business work capital to be hope in improving social status mustahik be muzaki. Zakat as working capital is beneficial for empowering micro business, improving micro business business, growing spirit, improving ability and skill and entrepreneurship. Viewed from the socio-economic aspects of zakat can encourage the growth of the weak economy by increasing their purchasing power to increase employment and micro business income. Viewed from the moral-spiritual aspect of zakat is a means to increase obedience and servitude to God. Thus the productive zakat model as working capital becomes an effective way to alleviate poverty.]]>
<![CDATA[Prediksi Kebangkrutan Dengan Altman Z-Score dan Harga Saham pada Perusahaan Manufaktur ]]>
<![CDATA[Hikmah Hikmah]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 2 (2018): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v2i2.1630
<![CDATA[Bankruptcy Prediction With the Altman Z-Score Method and the stock price on Manufacturing Company. This research aims to analyze the bankruptcy prediction on stock prices in manufacturing company of basic industry sector and chemical sub-sector of metals that listed in Indonesia Stock Exchange for the period of 2015-2017. The sampling method was done with purposive sampling which then determined 15 companies as sample. Sources of data used are secondary data in the form of financial report published in BEI. Data analysis used data panel regression using eviews version 8. These result shows that Altman Z-Score variable: 1) Working capital to total assets, 2) Retained earning to total assets, 3) Earning before interest and taxes to total assets, 4) Market value of equity to book value of total debts, and 5) Sales to total assets significantly influence stock prices in the metal subsector on the Indonesia Stock Exchange, the average company is in the gray area]]>
<![CDATA[Analisis Determinan Makro Ekonomi Pada Beberapa Negara Asia dalam Memepengaruhi TKI Tahun 2011-2015 ]]>
<![CDATA[Matius Inganta Purba]]>;
<![CDATA[Risni Julaeni Yuhan]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 2 (2018): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v2i2.1821
<![CDATA[Asia is the country with the largest number of TKI placement. However, from 2012 there was a decrease in the number of overseas placement for Indonesians even in the four year interval there was a decrease up to 52.66 percent including in Asian countries. One of the causes of the decline of labor migrants is due to the revamping of the placement of informal TKI in some countries, especially in the middle east region so that the number of migrant workers is very small. In fact, the remittance of migrant workers is one of the largest foreign exchange contributors in Indonesia. In 2011, the value of remittance reached 60 trillion or the second highest contributor of foreign exchange. Of course with the existence of such remittances can support the Indonesian economy. The purpose of this study is to see what variables that influence in the process of placement of overseas workers especially in some countries in Asia continent based on economic condition of destination country. Analytical techniques used are panel data analysis with inflation variable, per capita income, unemployment rate, and exchange rate of destination country. The results of this study indicate that the variables of inflation, income per capita, and unemployment rate in influencing the number of placement of labor migrants in the destination country.]]>
<![CDATA[Elastisitas Harga dan Pendapatan Terhadap Permintaan Kredit Sepeda Motor di Kabupaten Manokwari ]]>
<![CDATA[Yuyun Puji Rahayu]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 2 No 2 (2018): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v2i2.1647
<![CDATA[The purpose of the research was to analyze the elasticity of credit of motorbike at PT. FIF in Manokwari Regency. The method used is descriptive statistical analysis method with interview and questionnaire instruments as guidelines. Data analysis was performed using a log-linear regression analysis tool to determine the elasticity of demand. The results showed that only the price had a negative and significant effect on the demand for motorcycle credit in Manokwari Regency. While the level of income does not affect the demand for motorcycle credit at 95% confidence level. The elasticity value of price demand is 0.079 <1, so its nature is inelastic. This means that the change in the price of credit goods is greater than the change in the number of motorcycle loans. Furthermore, the value of the elasticity of income shows that the motor credit is the income-inferior goods, where consumption of credit is inversely related to consumer income.]]>
<![CDATA[Pengaruh Komitmen dan Kepercayaan terhadap Kepuasan Nasabah Bank Syariah di Surabaya ]]>
<![CDATA[Erwan Aristyanto]]>;
<![CDATA[Aditya Surya Nanda]]>;
<![CDATA[Andi Farouq Hasan]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 3 No 1 (2019): May ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v3i1.1981
<![CDATA[Intense competition between banks is increasingly tight good conventional banks as well as Islamic banks. The rivalry has led banks to get competitive strategies do customers. Strategy all aimed at satisfying the customer's bank. The key competitive advantage in a situation full of competition is the ability of the bank in improving customer satisfaction. Customer satisfaction will be the key to success, not only in the short term but sustain- able competitive advantage. The purpose of this research is to find out and analyse the influence the commitment and trust of customer satisfaction on Sharia in Surabaya. The population in this study is bank syariah in Surabaya and the number of samples as much as 95 clients. The technique of sampling by using purposive sampling namely sampling with certain considerations. Design research is quantitative with the hypothesis. Data analysis techniques using multiple linear regression using SPSS 23.]]>
<![CDATA[Pengaruh CAR dan BOPO Terhadap ROA pada Bank Syariah pada Tahun 2011-2018 ]]>
<![CDATA[Aditya Surya Nanda]]>;
<![CDATA[Andi Farouq Hasan]]>;
<![CDATA[Erwan Aristyanto]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 3 No 1 (2019): May ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v3i1.2160
<![CDATA[Risk based bank rating (RBBR) must always be monitored to avoid problems in the bank- ing system. The problematic conditions at a bank that can eventually end in bankruptcy can be identified as a measure of the company's tendency to financially fail and ultimately unable to carry out its business operations. Then analyzing the effect of the Capital Ade- quacy Ratio (CAR) and Operational Costs on Operating Income (BOPO) on performance (Return of Assets / ROA) on islamic banking is considered very important. The population of this study is Islamic Bangking and took samples of 2 banks in Indonesia for the period 2011- 2015. The sample method used is Purposive Sampling. From the results of the results analysis t test shows that the CAR variable partially does not affect the performance of islamic banking (ROA) while the BOPO variable has a significant effect on the performance of islamic banking (ROA). The results of the F Test analysis are known that the CAR and BOPO variables together have a significant effect on the performance of islamic banking. The results of the analysis of the Determination Coefficient (R2) obtained Adjusted Square (R2) of 0.969, this indicates that the performance of sharia banks can be explained by the variables CAR and BOPO of 96.90.]]>
<![CDATA[Three Components of Readiness to Change: Communication of Change and Change-Efficacy as Antecendents ]]>
<![CDATA[Zulkifli Nurul Haqq]]>;
<![CDATA[Muhammad Natsir]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 3 No 1 (2019): May ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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<![CDATA[In order to fulfill the planned change, an organization should seriously take the role of individual perception into consideration, in which the individual plays a pivotal role in the change implementation stage through their act. This study aims to investigate the attitude of readiness to change based on the multidimensional concept, with communication of change and change-efficacy as antecedents. This study involved shariah rural bank, located in East Java, as a research object. Furthermore, a quantitative approach was employed in this study, in which survey as a procedure for collecting data through questionnaires. In addition, PLS-SEM was employed as an analysis of research method. The results exhibit that communication of change contribute to develop of almost all forms attitude of readiness to change and change-efficacy can predict all forms of readiness to change. Finally, this study offers several implications, both theoretically and practically.]]>
<![CDATA[Analisis Strategi Pengembangan Zakat, Infaq, Shadaqoh dan Wakaf di Indonesia ]]>
<![CDATA[Rusdi Hamka Lubis]]>;
<![CDATA[Fitri Nur Latifah]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 3 No 1 (2019): May ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v3i1.1999
<![CDATA[This study to describe the picture of ziswaf potential and Ziswaf's realization in Indonesia explained the difference between potential and realization. Beginning with a quantitative descriptive approach method by collecting secondary data from various sources. A very large gap between the value of potential and the amount of realization. During the last five years until 2016. The realization of zakat receipts was only less than 1%. The development of Ziswaf funds in Indonesia must have strategic objectives that must be reduced in the policies of all stakeholders. Thus, muzakki and mustahik are important components in the development and succession of empowerment. The selection of the right strategy can be done using the SWOT analysis method to produce a condition map of the research group and the right strategy to support the strategic objectives. The results of the analysis show that Ziswaf's condition in Indonesia has experienced and significant development. The results of the analysis also show that there are 6 (six) strategies that can be used to achieve Ziswaf's strategic objectives, namely: (1) digitizing of Ziswaf, (2) Islamic Inclusive Finance Council, (3) Database Development, (4) Regulation Implementation, (5) Zakat Automation, (6) Tax incentives for muzakki.]]>
<![CDATA[Analisis Penerimaan Core Banking System Berbasis Technology Readiness an Acceptance Model pada BPRS Bangun Drajat Warga di DIY ]]>
<![CDATA[Sindu Rifai]]>;
<![CDATA[Salamatun Asakdiyah]]>;
<![CDATA[Rai Rake Setyawan]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 3 No 1 (2019): May ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v3i1.2102
<![CDATA[The purpose of this study is to analyze the acceptance of the core banking system based on technology readiness and acceptance model on Bank Pembiayaan Rakyat Syariah Bangun Drajat Warga in the Special Region of Yogyakarta. Constructions used are optimism, innovativeness, discomfort, insecurity, easy of use and usefulness. This research method uses quantitative with a survey approach. The results of the study show that constructs of optimism and discomfort have a positive and significant effect on the perception of benefits and convenience in using the Core Banking System. The innovativeness construct has a positive and significant effect on the perception of the benefits of the core banking system, but for users, it has a negative effect and does not significantly influence the perception of ease of use of the Core Banking System. Insecurity, easy of use and usefulness constructs shows that there is no positive and significant influence on the perception of benefits and convenience in using the Core Banking System.]]>
<![CDATA[Capital Structure, Business Risk and Corporate Performance (Case Study on Construction and Real Estate Sector) ]]>
<![CDATA[Sutrisno Sutrisno]]>
<![CDATA[ Perisai : Islamic Banking and Finance Journal Vol 3 No 2 (2019): October ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sidoarjo ]]>
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DOI: 10.21070/perisai.v3i2.2670
<![CDATA[The purpose of this study is to examine the effect of capital structure and business risk on corporate performance. This study also examined the effect of non debt tax shield (NDTS) and sales growth (SG) on corporate performance with firm size (SIZ) as a control variable. Corporate performance is measured by return on assets (ROA), while capital structure is measured by debt to equity ratio (DER), and business risk meausred by degree of operating leverage (DOL). The population in this study is a company engaged in the construction and real estate sector that listed on the Indonesia Stock Exchange. The samples taken were 32 companies with purposive sampling. observations period for 3 years (2015-2017). Data is processed using ordinary least square (OLS). The results showed on the significance level 0.10, capital structure (DER) had a significant but negative effect on corporate performance. Business risk (DOL) and sales growth (SG) have a significant and positive effect on performance. While non debt tax shield (NDTS) and firm size (SIZ) have no significant effect on corporate performance.]]>
