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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 126 Documents
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Examining the Impact of Murabahah Financing at BMT Berkah Madani on Development Micro, Small and Medium Enterprises (MSMES) Muhammad Bayu Lesmana; Mega Octaviany; Ahmad Sandi
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.v8i2.47868

Abstract

The aim of this research is to examine the impact of Murabahah financing on the development of MSMEs. The research method employed a quantitative approach. Primary data was collected through the distribution of questionnaires to 100 customers of BMT Berkah Madani, while secondary data was obtained from literature, journals, and BMT Berkah Madani's data. The population of this study consisted of BMT Berkah Madani customers who applied for Murabahah financing. Non-probability sampling was used as the sampling method. The collected data was processed using SPSS Version 27. The findings of the research indicate a significant relationship between Murabahah financing and the development of MSMEs, with a correlation coefficient value of 0.786 and a coefficient of determination of 0.618, demonstrating a strong and significant influence of Murabahah financing on the development of MSMEs.
An Overview of BSI Mobile Banking Services' Sharia Principles Compliance Implementation Perspective Maslahah Mursalah Zidna, Rizka Rahmatllah; Mugiyati; Muhammad Raihan Syamil
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.v8i2.47886

Abstract

Implementation of Shari'ah values is the distinguishing aspect between conventional and Shari'ah systems, including the development of Internet-based banking products. The technology that Islamic banks utilise also has to conform to Sharia rules, particularly as it relates to mobile banking. This research uses a literature review method with qualitative approaches with a focus on Sharia principles in DSN-MUI Fatwa No.10/DSN- MUI/VI/2000 regarding the use of Bank Syariah Indonesia's mobile banking service system and assessed with mashlahah mursalah. This research shows that the implementation of Shariah principles in BSI mobile services based on the DSN-MUI fatwa on wakalah has been carried out with the specified conditions. Reviewing the benefits obtained from mobile banking services shows that there are elements of goodness in it, so the analysis of online-based banking services at BSI Mobile is in compliance with the concept of Maṣlaḥah Mursalah according to Ash-Syatibi, as it has fulfilled the specified conditions.
The Effect of Mudharabah Financing on MSME Customer Income Ayushandra Saskiaputri; Trisni Handayani
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.v8i2.49690

Abstract

Indonesia's rapid economic growth demands the vital role of MSMEs in supporting economic development. However, in reality, MSMEs often face obstacles in developing their businesses. As an Islamic financial institution, BMT is expected to provide solutions with mudharabah financing in helping MSMEs develop their business and increase their business income. This study aims to determine the effect of mudharabah financing on the income of MSME customers at BMT Riyadhul Jannah. The research method used by researchers in this study is a quantitative method with a type of survey method. The population in this study was 200 customers, with a sample size of 30 MSME customers who used mudharabah financing. The data collection technique is using observation and distributing questionnaires or questionnaires. Based on the results of the study, it shows that mudharabah financing has a positive impact on the income of MSME customers at BMT Riyadhul Jannah.
IMPLEMENTASI AKAD MURABAHAH PADA PEMBIAYAAN KEPEMILIKAN RUMAH DI BANK MUAMALAT KC DEPOK Limbong, Elviyani; Subali
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.v8i2.50122

Abstract

This study explores the implementation of the Murabahah Agreement for home ownership financing at Bank Muamalat KC Depok through field research employing qualitative methods. Data collection involved observation, interviews with staff and customers, and documentation review from relevant literature and books. The analysis utilized descriptive techniques, examining primary and secondary data sources. Findings indicate that Bank Muamalat KC Depok adheres to the Fatwa of the National Sharia Council of the Indonesian Ulema Council No. 04/DSN-MUI/IV/2000 on Murabahah, ensuring each stage of the agreement aligns with Islamic principles and conditions specified in the Fatwa. The study confirms that the bank effectively implements Islamic law in its KPR iB Hijrah financing, complying with regulatory standards.
Pengaruh Religiusitas Obligation, Literasi Halal dan Label Halal terhadap Persepsi Mahasiswa dalam Mengonsumsi Produk Ikan Sardines Kaleng AbC dengan Brand Awarness Sebagai Variabel Moderating Wardani, Ali; Wahab, Abdul; Syahruddin; Ahmad Fauzan
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.v8i2.51789

Abstract

The circulation of food mixed with non-halal ingredients forces Muslim consumers to have good perceptions of halal food. This study attempts to analyse the factors (religiosity obligation, halal literacy and halal label) in influencing the perception of halal food. This type of research is quantitative research with an associative approach. The results of the study concluded that religiosity obligation, halal literacy and halal labels have a significant positive effect on the perception of halal food for Muslim consumers. Brand awarness, although moderating the relationship between the halal label and the perception of halal food, on the other hand, does not moderate the relationship between religiosity obligation and halal literacy with the perception of halal food for Muslim consumers. This means that although the current research trend is that halal literacy has no effect on the perception of halal food, this study concludes otherwise, namely halal literacy has a significant positive effect on the perception of halal food. This conclusion is very useful for halal food producers in increasing sales through halal labels and increasing brand awarness through advertising or increasing halal literacy of Muslim consumers.
Analisis Pengaruh Tingkat Inflasi, Jumlah Nasabah, dan Pendapatan Gadai Syariah Terhadap Penyaluran Kredit Gadai Syariah (Rahn) (Studi Kasus pada Pegadaian Syariah Periode 2010-2019) Sutan Emir Hidayat; Oktaviany, Mega; Indah Royani
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol. 6 No. 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i1.52312

Abstract

This research aims to analyze the influence of inflation rate, number of customers, and Sharia pawn income on the distribution of Sharia pawn credit (rahn) (case study at Pegadaian Syariah from 2010 to 2019). This study uses secondary data with time series obtained from the Annual Report of PT Pegadaian (persero) and the Bank Indonesia website from 2010 to 2019 and uses multiple linear regression methods assisted by the Microsoft Excel 2010 program and SPSS 24 software. The results of the study partially show that the inflation rate does not have a significant effect on the distribution of Sharia pawn credit (rahn) with a sig value of 0.831 > 0.05. Meanwhile, the number of customers also does not have a significant effect with a sig value of 0.798 > 0.05, and Sharia pawn income has a significant positive effect with a sig value of 0.000 < 0.05. Simultaneously, the results of this study show that the inflation rate, number of customers, and Sharia pawn income have a significant effect on the distribution of Sharia pawn credit (rahn) with a sig value of 0.000 < 0.05.
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

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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

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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

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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.

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