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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.
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Articles 7 Documents
 1 
Search results for , issue "Vol 6 No 2 (2022): Oktober" : 7 Documents clear
Rekonstruksi Konsep Bisnis Halalan Thayyiban Penguatan Integrasi-Interkoneksi Ekosistem Halal Value Chain Bayumi, Muhamad Rahman; M. Iqbal; Diem, M. Junestrada; Muhlis
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.28543

Abstract

The progress of the Halal Value Chain (HVC) ecosystem cannot be separated from the role of the government and other formal and informal institutions. In the HVC ecosystem, every organization/institution plays an important role in creating a halalan thayyiban business industry zone. One of the ways to promote halalization in supporting economic progress is to implement it through strengthening the Halal Value Chain in the economy. The purpose of this paper is to offer a reconstruction of the Halalan Thayiban business concept by strengthening the integration and interconnection of each subject in the HVC ecosystem. Using a descriptive qualitative approach, it is hoped that it will provide an overview of the concept of advancing a real HVC ecosystem. The results of this analysis will provide a long-term picture of the importance of promoting and accelerating HVC in terms of quality, not quantity. This study will discuss the reconstruction of the halalan thayyiban business concept and the importance of initiating an economic industry based on Islamic business ethics. By providing an overview and analysis of HVC acceleration efforts, it is hoped that this research will be oriented toward building the long term economy. Keywords: Reconstruction, Halalan Thayyiban, Integration and Interconnection, Islamic Business Ethics
Konfigurasi Filantropi Islam Era Digital: Studi Peran Sedekah Pada Aplikasi Media Sosial Youtube Nuril miladi; Ririn Noviyanti
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.29866

Abstract

Digitization brings various new features that humans can use to interact with each other. The spread of social media is often used as a job by its users, various ways are used to be able to monetize the content uploaded on the channel. Currently, YouTube is the most visited channel. Some creators have succeeded in developing their channels by integrating Islamic philanthropy into their content. This research aims to determine the role of Islamic philanthropic content on the content components. This study uses a qualitative-content analysis method to map a variety of positive content containing philanthropy on YouTube Indonesia. Content analysis is done by looking at digital content and its impact. The results of this study indicate that charity with philanthropic content can be used as a source of income, lighten the target economy on content, and has the potential to enlarge the philanthropic ecosystem in real life.
Exploration Of Risk Mitigation Practices For Problematic Financing In Bank Wakaf Mikro’s Tiara Juliana Jaya; Kurniawati Meylianingrum; Kholilah
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.31398

Abstract

Financial technology; The objective of this study is to determine the development of Shariah fintech in Indonesia Maqashid al-shariah from its emergence to the present, to determine the role of Shariah fintech in the perspective of maqashid al-shariah, and to determine obstacles in the development of Shariah fintech. The research method used in this study is descriptive analysis method with a qualitative approach. The researcher performed a literature study to collect data from various sources that support the researcher’s chosen topic, i.e., all sharia fintech registered with OJK and licensed as of December 2020 associated with maqashid al-shariah. In general, Shariah fintech has fulfilled the principles of maqashid al-shariah. However, there are elements that need to be more strengthened. An example is the need for a governing regulation that separates Shariah fintech from conventional fintech regulation. This is because there are very different crucial elements and principles between these two types of fintech. As a suggestion for the development of Shariah fintech in the future, in addition to strengthening in terms of regulations, intense education related to Shariah fintech products is still needed to the wider community, especially to people who have great potential to become consumers but are not well-educated of new technologyes.
Pengaruh Inflasi dan Tingkat Suku Bunga Terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah di Indonesia Sudirman, Sudirman; Fitrianti, Fitrianti
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.31464

Abstract

This study aims to determine the effect of interest rates and inflation on the number of mudharabah deposits through the variable rate of profit sharing at Islamic commercial banks in Indonesia. This study was designed using a confirmatory approach. The data used is secondary data, the type of time series during the period 2011-2020. This study uses path analysis method with the help of software version 26. The results show that directly, inflation has a positive and significant effect on the amount of mudharabah deposit savings in Islamic banks in Indonesia by -0.462, interest rates have a positive and significant effect on the amount of mudharabah deposit savings in Islamic banks in Indonesia is 0.970, and the rate of profit sharing has a positive and significant effect on the amount of mudharabah savings deposits at Islamic banks in Indonesia of 0.251. Meanwhile, indirectly, inflation has a negative and insignificant effect on the amount of mudharabah deposit savings in Islamic banks in Indonesia; the interest rate has a positive and significant effect on the amount of mudharabah deposit savings in Islamic banks in Indonesia.
Methods for Measuring Potential Bankruptcy of Sharia Banking Ridwan, Mukminati; Pagalung, Gagaring; Kara, Muslimin
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.31807

Abstract

This study aims to examine the methods that can be used to measure bankruptcy in sharia banking. This study is also to examine the potential for bankruptcy which is most effectively used. The method used is descriptive qualitative method with a literature approach. The results showed that of the six bank measurement methods, all of them could not be used to measure bankruptcy in Sharia banking without being modified first. This is because all methods have constituent elements based on interest and taxes. All methods can be used when eliminating the elements of interest and taxes. However, based on the research, it was found that the most widely used method to measure bankruptcy is the Altman Z-Score model, but the Springate S-score is the most effective in detecting the bankruptcy of Sharia banking in Indonesia.
Determinan Risiko Pembiayaan Bagi Hasil Pada Bank Umum Syariah di Indonesia Rosmini Ramli; Desmiza
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.31847

Abstract

This study aims to determine the effect of bank-specific and macroeconomic factors on financing risk for Islamic Commercial Banks. The financing risk in the previous study focused more on the overall financing risk involving the bank's internal and macroeconomic aspects, either separately or together. There is still limited research that examines financing specifically, both the use of these two factors separately or together, especially on the risk of profit-sharing financing. This study will complement the literature on the above issues. This study uses quantitative methods with panel data regression analysis using quarterly financial ratio data from Islamic Commercial Banks in Indonesia for the period 2012-2020. The results showed that the dominant bank-specific factor influenced the risk of profit-sharing financing, while the macroeconomic factor was only inflation which showed a significant effect.
The Impact of Merger Bank Syariah Indonesia Policy on The Work Ethic at BSI Megamas Boulevard Manado Telsy Samad; Zein Muttaqin
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.32231

Abstract

The Indonesian Sharia Bank merger policy is a major momentum in the development of Islamic banking and finance in Indonesia. This study aimed to determine the impact of the merger policy of Bank Syariah Indonesia on work ethic. By using qualitative research methods, this study seeks to carefully describe the impact of the merger of Bank Syariah Indonesia on the work ethic of BSI employees in the Megamas Boulevard area of ​​Manado. The findings of this study reveal that BSI's merger policy has a positive impact on several aspects of the 6 out of 8 professional work ethos mentioned by Johnson, Mr. Ethos in Indonesia, namely in the aspect of Work is Trust, Work is Actualization, Work is Art, Work is Honor, Work is a Call, and Work is Service. This certainly indicates that the merger policy carried out by BSI has resulted in increased interest, enthusiasm, and work ethic among employees at BSI Megamas Boulevard Manado. The other 2 ethos, namely Work is Grace and Work is Worship, did not significantly impact changes related to the work ethic of BSI employees. So it can be concluded that the overall merger policy of Bank Syariah Indonesia has a positive impact on the work ethic of BSI employees in Megamas Boulevard Manado.

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