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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 125 Documents
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The Roles of BANKZISKA In Reducing Ribawi Practices in Society Fery Setiawan; Riyanto, Riyanto
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 2 (2023): Oktober 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i2.40726

Abstract

This study explores the roles of a productive entity owned by the Muhammadiyah agency for Amil, Zakat and Infaq services (LAZISMU) that is addressed with BANKZISKA. While it stands for financial assistance based on funds retrieved from Zakat, Infaq and Shodaqoh and other social, religious funds, it is a non-bank financing agency that aims to solve ribawi issues that are massively practised by Society. The purpose of this study is to analyze the strategies and activities of BankZiska to decrease the amount of Society ribawi practices. Taking place in the BankZiska branch in Magetan, East Java, this study uses a qualitative method with a descriptive approach. The data utilized is primary data obtained from informants and other sources. The findings show that BankZiska deploys the Qardhul Hasan system as the core of their activities, which focus on concessional lending without interest, Sharia economics literacy as well as entrepreneurship and other in-depth knowledge of the religion.
Digitalization Transformation of Baznas Financial Reports Based On SIMBA 4.0 Silvany Yanuar, Alya; Makhtum, Ahmad
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 2 (2023): Oktober 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i2.41565

Abstract

Digital transformation has changed the way businesses and organizations operate in the industrial 4.0 era. One of the areas affected is the organization's financial statements. The National Amil Zakat Agency (BAZNAS) is an organization engaged in the socio-religious field that collects and manages zakat, infaq, and alms funds. BAZNAS financial reports are important to show accountability and transparency in the management of zakat funds. Therefore, the transformation of digitalization of BAZNAS financial reports is important in this digital era. This study aims to analyze the implementation of the Management Information System for the National Amil Zakat Agency (SIMBA BAZNAS) in Sidoarjo Regency as a tool for digitizing BAZNAS financial reports. This study uses a qualitative approach by conducting interviews with SIMBA BAZNAS managers and analysis of related documents. The results of the study show that SIMBA BAZNAS has succeeded in helping BAZNAS Sidoarjo Regency in the transformation of digitizing financial reports. In its implementation, SIMBA BAZNAS provides various features and capabilities, such as automatic report generation, digital transaction recording, and more effective financial management arrangements. In addition, SIMBA BAZNAS also helps improve accuracy and speed in preparing financial reports. However, there are also several obstacles in the implementation of SIMBA BAZNAS, such as the lack of outreach and training to users, so that some users do not understand how to use SIMBA BAZNAS optimally. Therefore, it is hoped that there will be efforts to increase outreach and training in using SIMBA BAZNAS so that it can be used more optimally in digitizing BAZNAS financial reports in the future.
Analisis Peran Bank Syariah Indonesia Dalam Mengembangkan Wisata Halal di Kota Makassar K, Amiruddin; Ismawati; Ahmad Tamami
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i1.41926

Abstract

This research aims to look at the role of Bank Syariah Indonesia in developing halal tourism in Makassar City. This research uses primary and secondary data by conducting interviews, literature studies, and documentation. This research uses qualitative research methods and a descriptive approach. The research results show that Bank Syariah Indonesia in Makassar City has a role in developing halal tourism in the culinary business sector, as well as travel service providers and lodging providers, through financing provided to halal tourism business actors. The financing provided by Bank Syariah Indonesia in Makassar City to business actors is micro-business financing and Rahn financing, which uses Murabahah and Rahn contracts.
The Peran Person-Organization Fit, Person-Job Fit, dan Kepuasan Kerja Dalam Meningkatkan Kinerja Dosen Universitas Terbuka. Sylvana, Andi; Awaluddin, Murtiadi; Dueramae, Hussam; Sanusi, Nina Utami Y
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i1.45092

Abstract

Lecturers are professionals and scholars whose performance is evaluated based on their success in fulfilling the three pillars of higher education known as Tri Dharma Perguruan Tinggi: education, research, and community service. They bear the responsibility for these tasks, relying on their skills, experience, and dedication within specific time frames. The performance of lecturers significantly influences their academic career progression and the quality of the higher education institution. Several factors can affect lecturers' performance, including person-organization fit, person-job fit, and job satisfaction. This research employs descriptive and verificative analyses. The data were analysed using LISREL Version 8.72 software. This analysis aims to understand the roles of person-organization fit, person-job fit, and job satisfaction in enhancing the performance of lecturers at Universitas Terbuka. The total number of respondents in this study was 223. The conclusions drawn from this research are as follows: Person-Organization Fit has a significant impact on job satisfaction among lecturers at Universitas Terbuka; Person Job Fit significantly affects job satisfaction among lecturers at Universitas Terbuka; Person-Organization Fit significantly influences the performance of lecturers at Universitas Terbuka; Person Job Fit has a significant effect on the performance of lecturers at Universitas Terbuka; Job satisfaction significantly influences the performance of lecturers at Universitas Terbuka; Person-Organization Fit and Person Job Fit jointly have a significant impact on the performance of lecturers at Universitas Terbuka; and Person-Organization Fit, Person Job Fit, and Job Satisfaction together significantly influence the performance of lecturers at Universitas Terbuka.
Prefererensi Nasabah Terhadap Produk Tabungan: (Studi pada Nasabah iB Muamalat di PT Bank Muamalat Indonesia Tbk) Siska Yuli Anita
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i1.45539

Abstract

The purpose of this article is to determine the partial and simultaneous influence of religiosity and service quality on customer preferences. This type of research is quantitative research with a research population of 273 people and a sample size of 73 respondents with sampling using the Slovin formula and sample selection criteria, namely that they are iB Hajj and Umrah savings customers of Bank Muamalat, aged 25-60 years and domiciled in Jakarta and Lampung. By using a data processing tool in the form of the SPPS version 20 application. The results of the research that has been carried out show that simultaneously religiosity and service quality have an influence on preferences, while partially religiosity has no effect on preferences and service quality has an influence on preferences. Keywords : Religiosity, Service Quality and Preference
Dampak Boikot Terhadap Anjloknya Harga Saham PT. Unilever Raihan Sultani Matondang; Annio Indah Lestari Nasution
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i1.46081

Abstract

The decline in shares of this giant company tends to be associated with a boycott of products that support Israel over the humanitarian crisis of military attacks on Palestinian civilians. Boycott actions in Indonesia are becoming increasingly popular with the publication of MUI fatwa number 83 of 2023 concerning the law of support for Palestine, so researchers are interested in conducting further research regarding the impact of boycotts on share prices at PT. Unilever. This research uses mixed methods, namely qualitative and quantitative research types. Qualitative research in this study uses a literature study approach, the data sources in this study are secondary data obtained from books, journals and government policies related to the theme. Then it is analyzed and taken according to data requirements. Meanwhile, quantitative research was carried out by testing daily stock price data accessed via www.finance.Yahoo.com with SPSS 25. The methods used in this quantitative research were the Kolomogorov-Smirnov Test, the Paired Samplet-Test, and the Wilcoxon Signed Rank Test. The observation period consisted of 3 intervals, namely before the boycott action, after the boycott action and after the issuance of MUI fatwa no. 83 of 2023. The test results prove that there is no difference in stock prices before and after the announcement of the boycott movement. However, after the MUI issued fatwa no. 83 of 2023 which states support for Palestine, share prices weakened. So there is a significant difference between share prices before the boycott of PT products. Unilever and after the MUI fatwa.
The Role Of Digital Financial Services In Accelerating Womens Economic Empowerment In Indonesia: What Is Left To The Learn Nur Azizah, Siti; Annisa Nur Salam
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i2.46437

Abstract

The rapid growth of digital financial services provides opportunities for advancing gender equality more broadly. This is because digital financial services (DFS) are increasingly accessible to homemakers who do not have bank accounts. So that can use it can use to reduce gender disparities in accessing finance and advance women's economic empowerment (WEE) within their households and local economies, this study aims to examine the effect of digital financial services (DFS) on Women's Economic Empowerment. This study uses descriptive statistical analysis. Descriptive statistics seek a complete and accurate description of a situation and are needed to identify the distribution and behavior of the data held. Collected the secondary data from various sources to study the role of digital financial services in Indonesia like 120 women who use smartphones, are homemakers and are active in social organizations in Indonesia, such as account holders who use digital payments to pay their electricity bills, pay motorbike bills and shop for various household needs. The results of this study indicate that the use of digital financial services has a positive effect on reducing the gender gap and on women's economic empowerment.
Dinamika Tata Kelola BPR Syariah: Mengkaji Pengaruh Struktur Dewan Terhadap Kinerja Keuangan dan Risiko Pembiayaan Faridatunnisa , Faridatunnisa; Anwar, Saiful; Rusanti, Ega; Hasbullah, Nornajihah Nadia
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i1.46495

Abstract

This study aims to analyze the effects of the board of directors, board of commissioners, Sharia supervisory board, and Non-Performing Financing (NPF) on Return on Assets (ROA) in Islamic rural banks (BPRS) in Indonesia. Additionally, it investigates the influence of the board of directors, board of commissioners, and Sharia supervisory board on NPF. Annual data from 18 BPRS listed in the OJK directory from 2019 to 2021, including board size, ROA, and NPF, were analyzed using the Common Effect Model. The results indicate that board size negatively and significantly affects ROA but not NPF, while board size, board of commissioners, and Sharia supervisory board insignificantly influence ROA and NPF. However, NPF significantly impacts ROA negatively. These results underscore the importance of board composition in financial performance and asset quality within BPRS, providing valuable insights for stakeholders and policymakers in enhancing governance practices and mitigating financial risks
Pengembangan Wisata Religi Dalam Meningkatkan Pendapatan UMKM: (Kajian di Masjid Syahrun Nur) Hannum Harahap, Novita; Mustapa Khamal Rokan; Muhammad Lathief Ilhamy Nasution
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i1.46652

Abstract

This research aims to find out how the development of religious tourism can increase UMKM income using SWOT analysis. The research location is the Syarun Nur Mosque and the object of this research is the development of religious tourism in increasing the income of UMKM. Based on the research results, it is known that the strategy for developing religious tourism at the Syahrun Nur Mosque in increasing UMKM income can be carried out with 4 strategies, namely providing infrastructure and arranging and repairing the facilities and infrastructure of the tourist attraction, improving services for visiting tourists, developing the business of UMKM actors around the Great Mosque. Syahrun Nur, and developing UMKM and business actors who produce and provide souvenirs and culinary specialties from the Syahrun Nur Mosque).
Faktor-Faktor Yang Mempengaruhi Kepuasan dan Loyalitas Nasabah Elektronik Pengguna M-banking Bank Syariah Indonesia Farida, Siti Nur; Siti Zulaikha
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i2.47460

Abstract

Mobile banking is a mobile technology innovation provided by retail banks and microfinance institutions in developed and developing countries, the existence of m-banking has the potential to have a major impact on market share. Customer satisfaction and loyalty are important factors in the development and management of Islamic banking. This study aims to determine the effect of electronic service quality factors through six dimensions on customer satisfaction and loyalty. Some factors that can affect customer satisfaction of m-banking users include the dimensions of comfort, security, convenience, design, application system and personal need. This research uses a quantitative approach with the adoption of SEM-PLS techniques. Primary data of 204 obtained through distributing questionnaires were analyzed using SmartPLS version 4 software, showing the results that the dimensions of convenience, application systems and personal need have a positive and significant effect on satisfaction, satisfaction is proven to have a positive and significant effect on loyalty, while convenience, security and design have no significant effect on customer satisfaction of BSI m-banking users. Research contributes to providing strategic recommendations for marketers and policy makers to increase customer satisfaction and loyalty of Bank Syariah Indonesia customers.

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