cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Al.Mash
Contact Email
al.mashrafiyah@uin-alauddin.ac.id
Phone
-
Journal Mail Official
wardihan.sabar@gmail.com
Editorial Address
-
Location
Kab. gowa,
Sulawesi selatan
INDONESIA
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 10 Documents
 1 
Search results for , issue "Vol 9 No 1 (2025)" : 10 Documents clear
The Effect of Savings Shuttle Service Quality and Complaint Handling on Member Loyalty at BMT NU Muncar Branch Nuraini, Septia; Khusnudin, Imam
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Aims to determine the effect of the quality of savings pick-up and delivery services and complaint handling on member loyalty at KSPPS BMT NU Muncar, a sharia microfinance institution. As an LKM (Microfinance Institution), BMT aims to serve people who have not been reached by conventional banking, provide financing for micro businesses, facilitate savings, and avoid usury practices. BMT NU Muncar in its operations focuses on increasing member trust and satisfaction as an effort to build loyalty. This study uses a quantitative method with a descriptive approach, involving 67 samples from 200 active members who use savings pick-up and delivery services. The sample was determined by purposive sampling technique using the Slovin formula with primary data collected through a questionnaire measured using a 4-point Likert scale. Data analysis was conducted using SPSS version 23, which includes statistical tests such as the Determination Coefficient Test, F Test, and T Test. The results of the study showed that the F test results showed that the calculated F value was 201.682, while the F table value was 2.3516584, with a significance level (p-value) of 0.000 which was smaller than 0.05 (0.000 ≤ 0.05). The R-Square test results showed a value of 0.863 or 86.3%, which means that 86.3% of the variation in member satisfaction was influenced by the independent variables (Quality of Shuttle Services and Complaint Handling), while the remaining 13.7% was influenced by other factors. This study is expected to provide insight for BMT NU Muncar in increasing competitiveness and operational sustainability by increasing member loyalty. The implications of the study suggest that it is important for BMT to continue to adapt to member needs and ensure operational sustainability through improving service quality that can increase satisfaction levels and ultimately strengthen member loyalty.
Profitabilitas Bank Islam di Dunia: Faktor Solvabilitas, Likuiditas dan Kecukupan Modal dengan Moderasi Ukuran Perusahaan Lestari, Renita Diyana; Guntur Kusuma Wardana; Abdul Hakim Yahya
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Banks can be said to be able to manage operations well when there is an increase in profit. This research goal is to investigate the effectt of solvency, liquidity, and capital adequacy on profitability, with firm size serving as a moderating variable. The research focuses on Islamic banks worldwide for the period 2019-2023. A quantitative approach using a causality method was employed. The study population is composed of 188 members of the Islamic Financial Services Board, and the sample was selected using purposive sampling, resulting in 19 Islamic banks. Data analysis was conducted using panel data regression, which blends cross-sectional and time series data. The findings show that, individually, solvency and capital adequacy significantly affect the profitability of Islamic banks globally, while liquidity does not. In contrast, when considered together, solvency, liquidity, and capital adequacy significantly influence profitability. Firm size moderates the effect of solvency on profitability, but does not moderate the effects of liquidity and capital adequacy on the profitability of Islamic banks worldwide. The implications of this research indicate that Islamic banks need to pay attention to solvency and capital adequacy to increase profitability. Liquidity that does not have a significant effect indicates the need for a more optimal management strategy. In addition, firm size can strengthen the influence of solvency on profitability, so that expansion and growth strategies are important for Islamic banks in increasing their competitiveness.
Faktor-Faktor yang Memengaruhi Minat Masyarakat Muslim Jabodetabek Terhadap Bank Digital Syariah Astika Putri, Citra Kirana; Tati Handayani
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Sharia digital banks are developing as an alternative financial service that is easier and more efficient. However, the existence of Sharia digital banks hasn’t yet competed with conventional digital banks. Services from various bank brands are also a consideration to use them. This study aims to analyze factors such as Islamic branding, service features, digital literacy, and digital marketing in influencing the interest of the Jabodetabek Muslim community in Sharia digital banks. The sample of this research was 100 respondent Muslim from Jabodetabek. The research method uses quantitative descriptive. Data collected by distributing questionnaires. Data analysis used the PLS method. The results indicate that Islamic branding and digital marketing influence the interest of the Jabodetabek Muslim community in Sharia digital banks, while service features and digital literacy have no effect. The implication of this research is that Sharia digital banks need to strengthen their brand image as Islamic banks by providing service features that are able to demonstrate their superiority compared to other types of banks, as well as reaching the public in a more attractive way
The Effectiveness of the Resolution of Non-Performing Financing at BSI KC Palangka Raya Diponegoro Through Small Claim Court Maimunah, Nurul Ayatul; Muhammad Zainal Arifin; Fadiah Adlina
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research is motivated by the existence of non-performing financing at Bank Syariah Indonesia and previous research which explained various factors that cause non-performing financing and settlement carried out by Islamic Banking, especially Bank Syariah Indonesia. In particular, this study examines the handling of non-performing financing through a small claim court at BSI KC Palangka Raya Diponegoro. This study aims to identify the factors that cause non-performing financing in BSI KC Palangka Raya Diponegoro and identify the process of resolving non-performing financing through the Small Claim Court mechanism. In addition, by reviewing the Small Claim Court process, it is hoped that insight will be gained regarding the efficiency and effectiveness of using this method. The method used in this study is descriptive analysis by collecting data through observation, in-depth interviews and documentation. The results of the study show that the non-performing financing factor at BSI KC Palangka Raya Diponegoro is dominated by a lack of attention and a sense of responsibility from customers and supported by a lack of understanding in managing finances. The handling of non-performing financing at BSI KC Palangka Raya Diponegoro implements the settlement of the non-litigation and litigation routes. Decision-making using settlement with a small claim court is based on the client's character, the existence of psychological effects and efficient time and costs. Therefore, the importance of formulating an effective non-performing financing settlement policy and small claim court as an alternative to dispute resolution in Islamic banking can be a strategic consideration for BSI KC Palangka Raya Diponegoro to overcome non-performing financing.
Kinerja Keuangan Bank Umum Syariah: Perbandingan Malaysia, Arab Saudi, dan Indonesia Dhifta Himmah Yasya; Abdullah Fauzan
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to compare the financial performance of Islamic banks in the top three countries according to the Global Islamic Economic Indicator (GIEI), namely Malaysia, Saudi Arabia, and Indonesia. This study employs a quantitative approach using the CAMEL framework, this study improves bank performance in terms of capital adequacy ratio (CAR), profitability (Return on Assets/ROA), and asset quality (Non-Performing Financing/NPF). The results showed that Bank Muamalat Indonesia has the highest CAR ratio, reflecting good capitalization capabilities. Meanwhile, Al-Rajhi Bank from Saudi Arabia showed the best performance in terms of profitability with an excellent ROA. Maybank Islamic Berhad from Malaysia, despite its consistent performance, shows a higher NPF value, signaling greater risk in financing. This research provides valuable insights for the development of Islamic banking in developing countries. In addition, the study also identifies various challenges and opportunities that each bank faces in an effort to improve their financial performance.
Sharia-Based Tourism Management in Improving Community Income in Teluk Bakau Village, Riau Islands Province Helianto; Pakkanna, Mukhaer; Aditya, Mochammad Yana; Widana, Gusti Oka; Amelia, Amie
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Tourism plays an important role in regional economic growth. Sharia-based tourism is increasingly developing as a tourism model that prioritizes Islamic principles in service and destination management. This concept not only attracts Muslim tourists but also opens up economic opportunities for local communities. Teluk Bakau Village in Gunung Kijang District, Bintan Regency, has great potential in developing sharia-based maritime tourism with supporting natural resources and local wisdom. This study aims to analyze the management of sharia-based tourism in Teluk Bakau Village and its impact on local community income. A qualitative approach with a phenomenological method was used in this study. Data were collected through interviews with tourists and business actors in the tourist area. Data analysis was carried out using the data reduction method to see the relationship between sharia tourism and community income. The results of the study show that sharia-based tourism management has been implemented in several aspects, such as providing facilities in accordance with sharia principles such as Sharia principles in providing facilities include the existence of adequate places of worship, provision of halal food and drinks. However, obstacles are still encountered in promotion and supporting infrastructure. The implications of this research emphasize the importance of government support and cooperation between business actors and the community in developing sustainable sharia tourism that has a positive impact on the local economy.
Pengaruh Literasi Keuangan Syariah, Brand Equity, dan Kepercayaan Terhadap Keputusan Gen Z dalam Menggunakan Jasa Perbankan Syariah Ismawati; Nurjannah; Isda Iskandar; Misra Windayani
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of Islamic banking is accompanied by increasing public awareness of Islamic finance and support from government regulations. Generation Z is known as a digital and critical generation, making it very potential in supporting the development of Islamic banking. This study aims to analyze the influence of Islamic financial literacy, brand equity and trust on Generation Z's decisions in using Islamic banking services. This study is a quantitative study with associative-causal, the data analysis technique used is multiple linear regression. The results of the study indicate that Islamic financial literacy does not affect Generation Z's decisions in using Islamic banking services. Brand equity and trust have a positive effect on Generation Z's decisions in using Islamic banking services. And simultaneously Islamic financial literacy, brand equity and trust have a positive and significant effect on Generation Z's decisions in using Islamic banking services. Islamic banks need to further improve brand equity and pay attention to and maintain customer trust so that customers are interested in using Islamic banking services.
Factors Driving Interest in Saving at Bank Syariah Indonesia (BSI) Fiqi Diyah Sulistyowati; Agus Setiawan
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Bank Syariah Indonesia (BSI) is the largest Islamic bank in Indonesia, but people's interest in saving at BSI is still relatively low. This condition raises questions about the main factors that affect people's interest in saving. This study aims to analyze the influence of trust, promotion, religiosity, brand image, and social environment on people's interest in saving in Polokarto District, Sukoharjo Regency. The method used is a quantitative approach with a non-probability sampling technique through quota sampling and data processing using SPSS. Research results show that promotion, brand image, and social environment have a significant effect on interest in saving, while trust and religiosity do not have a significant effect. These findings highlight the importance of social aspects and communication strategies in shaping people's financial behavior, especially in communities with strong social interactions. This study contributes to Islamic financial institutions to adjust marketing strategies that not only emphasize religious values, but also community-based approaches. These findings also serve as a reference for policy makers in encouraging contextual-based Islamic financial inclusion. The limitations of this study lie in the limited geographical scope and variables, so further research is recommended to cover a wider area and other relevant variables.
Menyeimbangkan Kepatuhan Syariah dan Tata Kelola: Mengevaluasi Beragam Peran Dewan Pengawas Syariah dalam Perbankan Syariah Ilham Akbar, Bastaka; Fatma Laela, Sugiyarti
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The research explores the Sharia Supervisory Board's (SSB) role in Islamic banking governance, in on balancing Sharia compliance with effective governance. Using qualitative methods through document analysis and interviews, the study investigates how SSBs manage their various responsibilities including compliance oversight, product development, and auditing. The research found that SSBs significantly impact operational risk management and stakeholder confidence. Banks with strong Sharia governance frameworks show better compliance and risk management. Main challenges include expertise gaps, resource limitations, and regulatory complexity. The research emphasizes the importance of professional development, standardized reporting, and organizational integration of SSBs. It provides valuable insights for developing stronger governance structures in Islamic banking, offering implications for policymakers, practitioners, and scholars in the field. This study contributes to the broader understanding of corporate governance in Islamic finance, particularly in creating frameworks that balance both operational effectiveness and religious compliance.
The Influence of Service Quality on Customer Satisfaction at PT BBRS Al-Washliyah Medan Syahputra, Reza; Maryam Batubara
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v9i1.60464

Abstract

In the era of increasingly fierce banking competition, service quality is one of the factors that determine the success of a financial institution. This research aims to determine the influence of service quality on customer satisfaction at PT BPRS Al-Wasliyah Medan. This research was conducted on customers of PT BPRS Al-Wasliyah Medan. The type of research used is quantitative research. Sampling used the Purposive Sampling technique, because the researcher only sampled 91 customer respondents. The data collection technique uses a questionnaire whose validity and reliability have been tested. From the findings of the research conducted, it shows that Service Quality, namely, Reliability, Responsiveness, Empathy, Assurance, Tangible is very influential on customer satisfaction of PT BPRS Al-Wasliyah Medan. With a coefficient of determination (adjusted R square) of 0.713 or 71.3%. By improving service quality customer pleasure or satisfaction is fulfilled.

Page 1 of 1 | Total Record : 10

 1 

Filter by Year

2025 2025


Reset
Filter By Issues
All Issue Vol 9 No 2 (2025) Vol 9 No 1 (2025) Vol 8 No 2 (2024) Vol 8 No 1 (2024) Vol 7 No 2 (2023): Oktober 2023 Vol 7 No 1 (2023): April 2023 Vol 6 No 2 (2022): Oktober Vol. 6 No. 1 (2022) Vol 5 No 2 (2021) Vol 5, No 1 (2021) Vol 5 No 1 (2021) Vol 4, No 2 (2020) Vol 4, No 1 (2020) Vol 3, No 2 (2019) Vol 3 No 2 (2019) Vol 3, No 1 (2019) Vol 2, No 2 (2018) Vol 2, No 1 (2018) Vol 1, No 1 (2017) More Issue