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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
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Implementation of Risk Management in Bank Syariah Mandiri Griya Financing Products Zumrotun Nazia; Nanang A. Daud
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1596

Abstract

This study aims to determine the implementation of risk management in the financing products of the Mandiri Griya Islamic Bank. This research uses a descriptive qualitative method with a field study approach, as well as in-depth interviews with informants. The results of this study indicate that the implementation of risk management on BSM Griya financing products at BSM KCP Malang Turen has been in accordance with the guidelines and provisions imposed by the BSM head office. As for what has been done by BSM KCP Malang in managing risk on BSM Griya products, among others, first starting with identifying risks, risk assessment and also risk control, then each implementation is reported to the head office. BSM KCP Malang Turen also conducts an online system in an effort to minimize the risk of financing and bank operations. Meanwhile, the problem of human resources is an obstacle in the implementation of BSM Griya financing. The steps for handling non-performing financing for the BSM Griya product are carried out by first identifying the customer's journey, and in terms of collectibility for further action by the bank.
Threat of Data Theft (Phishing) Amid Trends in Fintech Users During the Covid-19 Pandemic (Study Phishing In Indonesia) Fitri Nur Latifah; Imron Mawardi; Bayu Wardhana
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1598

Abstract

The purpose of this research is to find out the extent of the crime of data theft (phishing) in fintech and how to anticipate it in Indonesia in the midst of the Coronavirus Pandemic that has hit Indonesia in recent years. The COVID-19 pandemichas had an impact on all community activities. The existence of social distancing and physical distancing policies has made changes to community activities, including financial services. The use of technology-based financial services or what is often termed financial technology has now become a trend and habit in the community. The literature review research method that we use in this study uses sources from several literacies such as books, journal articles, media reports and so on.The results of this study that phishing is currently found in several models of crimeand there are several efforts to prevent this crime from becoming more widespread.
Analysis of Islamic Banking Efficiency in Indonesia in the Digital Bank Era during the Covid-19 Pandemic Reny Fitriana Kaban; Novita Setyawati; Fayza Salsabilla Animatus Syafila; Anisa Amelia Soeminar; Mega Putri Amelia; Aqila Marza Hanifa; Pricintya Dewi
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1095

Abstract

The Islamic banking industry in Indonesia is experiencing rapid growth. Currently the world is being hit by an economic crisis triggered by the Covid-19 virus pandemic, including Indonesia, especially Islamic banking, which has also been affected by the crisis. Digital services are one of the efforts for Islamic banking to survive in the pandemic era. To survive in a situation like this, it is necessary to have input and output efficiency of the main factors in Islamic banking. Therefore, it is necessary to study the level of efficiency of Islamic banking in the era of the Covid pandemic in order to formulate corrective and anticipatory measures due to the crisis. In order to build synergies with the world of digital finance, the S1 Islamic Economics Study Program gave us an assignment on this theme. This research is quantitative in nature using data from the Financial Services Authority's annual financial statements which were analyzed using the input approach CRS method. The input variables analyzed were third party funds, labor costs, and general administrative costs, while the output variables analyzed were operating income and total financing. The results of this study indicate that the efficient banks in 2020 are Bank NTB Syariah, Bank BTPN Syariah Tbk and Bank Panin Dubai Syariah Tbk and in 2021 Bank Mega Syariah and Bank Panin Dubai Syariah Tbk. Overall, in the Covid pandemic era, the efficiency value of Islamic banking was 78.05% and was included in the moderate criteria, which was smaller than before the pandemic. More serious efforts are needed from various stakeholders to again improve the efficiency of Islamic banking by taking advantage of the benefits of digitalization.
The Role of Islamic Microfinance Institutions in Poverty Reduction: A Study of Scopus Indexed Journal Literature Pupun Saepul Rohman; Nisful Laila; Atina Shofawati
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1581

Abstract

This study aims to reveal the development of research on the theme of Islamic microfinance institutions from reputable international journals. This study uses a qualitative approach, namely literature review. The literature search went through a series of stages to ensure that only papers sourced from reputable journals were featured in this study. The results of the study found that there were 181 papers with the theme of Islamic microfinance institutions from international journals indexed by Scopus. The development of research related to Islamic microfinance has increased, especially in the last three years (2019, 2020, 2021). The implication of this research is that this study proves in the literature the important role of Islamic microfinance institutions in alleviating poverty. This is a valuable input for related parties, especially the government, to pay more attention to the infrastructure required by Islamic microfinance institutions.
Compiling a Sharia Indicators of Wedding Organiser Arip Rahman; Muhammad Yusuf Ibrahim; Aisyah As-Salafiyah; Rusdi Hamka Lubis; Andi Iswandi
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1595

Abstract

The sharia wedding organizer industry is starting to provide an alternative sharia version. However, no specific index can be used as a standard for sharia compliance of a wedding organizer. This study aims to compile a sharia wedding organizing index from the perspective of Maqashid Sharia. The sharia wedding organizer index can then be used as an indicator in viewing the sharia wedding organizer. By using a literature review method, this study will collect literature in the form of postulate and previous studies as a basis for compiling an index. In calculating the weights, this study uses the Simple Additive Weighting approach. The primary basis for compiling the index is the Maqashid Sharia index theory by Al-Ghazali. The findings show that 13 indicators are used as indexes that measure the sharia of the wedding organizer. The indicators are seclusion, tradition, pre-wedding, make-up artist, prayer time, eating etiquette, food, fashion style, contract form, package options, transaction medium, music, and marriage motivations. This study is the first to compile a list of sharia requirements and rules that sharia wedding organizers must meet.
The Influence of Islamic Marketing Ethics on Customer Interest in Using Mudharabah Savings Products at BMT Ar-Rahmah Arta Syariah Mojokerto Novarina Amalia Anggraini; Yayuk Sri Rahayu
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1599

Abstract

It intends to examine the effect of shiddiq, al-adl, al-Amanah, service, and piety on consumer interest in utilizing mudharabah savings products both partially and concurrently in scientific writing. BMT Ar-Rahmah Arta Syariah Mojokerto is the subject of this study, which will take place between 2021 and 2022. The method employed is multiple linear regression analysis, and the type of research used is a quantitative research using more than one variable. Classic assumption tests, multiple linear regression equation tests, and hypothesis testing are examples of multiple linear regression analysis methods. Siddiq (X1), Al-Adl (X2), Al-Amanah (X3), Service (X4), and Takwa (X5) were the five independent variables in this study (X5). The interest of customers in adopting the mudharabah deposit product is the dependent variable (Y). Siddiq, al-adl, al-Amanah, service, and take all had partial and simultaneous effects on customer interest in adopting mudharabah savings products, according to the findings
The Role of Amil Zakat Institutions in the Development of Economic Da'wah (Study on Distribution of Zis Funds through the Bankziska Program in Ponorogo) Adib Khusnul Rois; Azid Syukroni; Nurul Abidin
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1608

Abstract

The role of the Amil Zakat institution is very much needed in society, many Amil Zakat institutions have the passion to provide assistance to the community by making moral and material contributions. One of the Amil Zakat institutions in Ponorogo is Bank Ziska or stands for financial assistance from zakat funds, infaq-shodaqoh and other religious social funds. The funds obtained will eventually be used for the welfare of the people by using various distribution methods. Bank Ziska in Ponorogo is an example of an amil zakat institution that has provided various kinds of economic development programs for the people and community empowerment, including giving cash to people who have been entangled in usury debt and cannot pay it, another program is to create an UMKM village that has was inaugurated by the Regent of Ponorogo, Sugiri 'Kang Giri' Sancoko in the MSME Village of Moneylender-Free Empowerment and the Digitalization of Bank Ziska Lazismu in Jintab Hamlet, Wonokerto Village, Jetis District 2021. for the national amil zakat institution.
Preparing Future’s Community Empowerment: A Quantitative Study of The Correlation Between Empowerment And Human Resources In Ranu Pani And Sanan Tourism Village Menur Kusumaningtyas; Sri Herianingrum; Irham Zaki; Muhammad Nafik Hadi Ryandono
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1610

Abstract

Human resources are the main support system for managing tourist villages. The main support system should be managed well. Managing human resources can reflected by empowering them to develop new skills based on their need to elaborate on the region’s potency. The region potency consists of culture, tourism place, and heritage. The aim of the research is to know about the correlation between empowerment and human resources in Ranu Pani Tourist Village and Sanan Tourist Village. This study used quantitative research. The data was collected using questionnaire. Data analysis was performed using descriptive, quantitative data. The result of this research is that the test distribution is normal by 0.871. The data were normal with a significance level of 0.55. The distribution number was greater than or greater than the significance number. The second was about ANOVA test. Based on ANOVA, the result was F= 56.245. This mean that there was a significant correlation between empowerment and human resources. Empowerment does influence human resources and human resources may influence empowerment. Even though there is significant correlation between empowerment and human resources, empowerment is still important for people particularly around village tourists. Society will be change quickly, and they need readiness to face the fast changing. Fast changing and society reflecting where does they live. Empowerment includes developing skills, abilities, knowledge and competency that need to be advanced around tourist villages. Human resources are the success or failure of tourist.
Sharia Compliance Contracts Of Muamalat Bank Fund Distribution Products Ninda Ardiani; Meri Yuliani; Masruchin
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1613

Abstract

This study is intended to determine the Aqad Sharia Compilance product distribution of Islamic bank funds. This level will show how Islamic banks carry out the tijarah function and the tabarru function together to create the value of the existence of falah or welfare. Approach The research uses a case study approach. The results showed that Bank Muamalat Mas Mansyur Surabaya branch office had level one Sharia Aqad Compliance on fund distribution products with the dominance of murbahah contracts. However, bank Muamalat is in an effort to reach the 4th level of Aqad Syariah Compliance to maximize the distribution of Musyarkah financing in the spiritual market. Unfavorable economic conditions as well as for mitigating risks that may arise have made the Sharia Aqad Compliance Level for distribution products at level one. This shows that Muamalat bank has not been optimal in carrying out the tabbaru function properly. However, Bank Muamalat has a positive value from their market share priority which is targeting the spiritual market. Giving priority to the spiritual market indicates that Bank Muamalat is not only looking for profit but is trying to balance the value of their kaffah.
Management And Strategy In Waqf Institution: A Systematic Literature Review Ramdani Ramdani; Ririn Tri Ratnasari; Imron Mawardi
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1614

Abstract

Waqf management has not been carried out optimally, waqf has not been able to play a prominent role in people's social life. Reflecting on the heyday of the Ottoman Turks, waqf was so dominant and occupied an important position. The current reality many waqf assets are unproductive and run conservatively. Therefore, this research is essential to see how waqf institutions can implement various strategies so that waqf becomes productive. The Systematic Literature Review approach explores multiple strategies by various waqf institutions. The study results show, that the strategy adopted by waqf institutions has succeeded in producing waqf assets, So waqf institutions can be more effective and efficient in carrying out their operations.

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