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Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : 25974904     EISSN : 26205661     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
This journal contains writings of research results or theoretical studies related to economics, finance and sharia banking.This journal is published by the Department of Islamic Banking Faculty of Economics and Islamic Business UIN Alauddin Makassar. This journal is published in 2 (two) editions every year, October and April editions.
Arjuna Subject : -
Articles 5 Documents
 1 
Search results for , issue "Vol 5, No 1 (2021)" : 5 Documents clear
Transaksi Mata Uang Asing (Al-Sharf) Dalam Perspektif Islam Pada Bank Syariah Mandiri Cabang Makassar Suhartono, Suhartono; Nurwahida, Nurwahida
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.19674

Abstract

Penelitian ini bertujuan untuk mengetahui sistem pertukaran valuta asing Syari’ah Al-Sharf yang diterapkan oleh Bank Syari’ah Mandiri, perlakuan akuntansi transaksi tersebut, serta kesesuaiannya dengan prinsip Syari’ah. Metode penelitian ini menggunakan pendekatan kualitatif yang datanya diperoleh dari observasi lapangan, studi pustaka dan wawancara dengan 2 informan yang mengetahui betul mekanisme Al-Sharf yang berlaku di Bank Syari’ah Mandiri. Data yang diperoleh kemudian dianalisis dengan metode deskriptif dan komparatif. Penelitian ini menemukan bahwa jasa pertukaran valuta asing pada Bank Syari’ah Mandiri cabang ratulangi Makassar menggunakan akad Al-Sharf yang diperuntukkan bagi perorangan maupun badan usaha dan jenis transaksi yang diperbolehkan hanya transaksi spot saja, adapun transaksi forward, swap dan option tidak diperbolehkan. Dengan demikian, transaksi valuta asing belum bisa dikatakan sesuai prinsip Syari’ah secara keseluruhan karena masih menggunakan istilah “jual beli” valuta asing sedangkan dalam prinsip Syari’ah “pertukaran” valuta asing lebih tepat digunakan.
Peran Religiusitas dalam Memoderasi Disposable Income dan Pengetahuan Perbankan Syariah terhadap Minat Menabung di Bank Syariah Sugesti, Putri; Hakim, Luqman
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.19956

Abstract

This study aims to analyze the effect of income and knowledge of Islamic banking on interest in saving in Islamic banks with religiosity as a moderating variable. This type of research is quantitative research using data techniques through questionnaires. The population of this study were students at 3 State Universities in Surabaya, namely Sunan Ampel State Islamic University Surabaya, Surabaya State University, and Airlangga University. The sample of this research is 100 students of the Sharia economics study program at 3 State Universities in Surabaya. Technical analysis of the data used the multivariant statistical method of Structural Equation Modeling (SEM) using Partile Least Square (PLS) and calculated using the Warp PLS 6.0 computer program. The sampling technique used purposive sampling, namely by using special criteria that have been determined by the researcher. The results of this study are that there is a positive effect of disposable income on interest in saving, knowledge of Islamic banking has an effect on interest in saving, religiosity cannot moderate disposable income on interest in saving, and knowledge of Islamic banking is moderated by religiosity on interest in saving.
Service Quality And Corporate Image To The Customer Loyalty Of BPRS Baktimakmur Indah Sepanjang Sidoarjo Nikmah, Rochmatin; Syarifudin, Syarifudin
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.20022

Abstract

In line with the increasingly intense business competition in all sectors, Islamic banking needs to enhance the company's quality to compete and maintain its existence. One of the keys to success is building customer loyalty. This study aimed to analyze the effect of service quality and corporate image on customer loyalty of BPRS Baktimakmur Indah Sepanjang, Sidoarjo. This research was associative quantitative research, data collection was done through observation and questionnaires with the purposive sampling method. The results revealed that service quality had no significant effect, while corporate image had a significant effect on customer loyalty. However, it simultaneously indicated a quite strong influence. This study found that the indicator with the most dominant influence on service quality was fulfilled expectations, especially in terms of pick-up service. Meanwhile, the corporate image was an indicator of company characteristics, especially the location of the BPRS which was strategic and easily accessible. Thus, it is hoped that the BPRS Baktimakmur Indah Sepanjang, Sidoarjo can enhance service and product quality and be able to maintain its reputation consistently.
Model Kelembagaan Nazhir Dalam Pengelolaan Wakaf Produktif Di Indonesia Safitri, Anggraeni Wenny; Hasan, Asyari; Oktaviany, Mega
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.17030

Abstract

This study aims to identify the factors inhibiting the management of productive waqf in Indonesia and the strategic priorities that can be offered with the Analytic Network Process (ANP) approach. Respondents consist of the Indonesian Waqf Board (BWI), academics and practitioners who are involved in the world of productive waqf. The results of this study indicate that the problems that arise in the management of productive waqf in Indonesia consist of 4 important aspects, namely: 1) human resource problems; 2) information and technology issues; 3) sharia issues and 4) regulatory issues. The strategic priorities for developing productive waqf are 1) strengthening information systems and waqf technology; 2) aspects of strengthening governance (good Nazhir governance), 3) aspects of the formation of educational institutions, socialization and education of waqf, 4) aspects of regulatory support from the Government. The results of this study can complement the management of existing productive waqf, the application of strategic priorities can encourage better collection and distribution of productive waqf.
Faktor-faktor Yang Mempengaruhi Perkembangan Produk Pembiayaan Pada Bank Pembiayaan Rakyat Syariah di Jawa Timur Wenni, Atika Novirda; Canggih, Clarashinta
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.14503

Abstract

Penelitian ini bertujuan untuk menganalisis dampak DPK, NPF, FDR, ROA, Inflasi dan BI Rate terhadap jumlah pembiayaan yang disalurkan oleh BPR Syariah di Wilayah Jawa Timur di bawah Kantor Regional 4 OJK Jawa Timur pada 2014-2018. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan regresi berganda data panel. Hasil penelitian menunjukkan bahwa ROA, Inflasi dan BI Rate secara parsial tidak berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS, sedangkan DPK, NPF, dan FDR berpengaruh terhadap total pembiayaan oleh BPRS. Lebih lanjut, dana pihak ketiga, NPF, FDR, ROA, inflasi dan BI Rate secara simultan berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS. Prosentase Adjusted R Square sebesar 99,05%, 99,05% dari jumlah pembiayaan yang disalurkan oleh BPRS dipengaruhi oleh DPK, NPF, FDR, ROA, inflasi dan BI Rate sedangkan sisanya 0,95% dipengaruhi oleh variabel lain.

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