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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 120 Documents
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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

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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

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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

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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

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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

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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.
To What Extent Do Workplace Relationships, Financial Rewards, and Recognition Shape Employee Work-Life Satisfaction in Islamic Bank? Puspitasar, Yunita Dwi; Nur Azizah, Siti
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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This study aims to analyze the impact of workplace relationships, financial rewards, and appreciation on the work-life satisfaction of employees at Bank BJB Syariah, Bekasi Branch. The research background is based on issues of job dissatisfaction, which affect motivation and productivity and ultimately influence employees' overall work-life satisfaction. Additionally, the increasing employee turnover rate at Bank BJB Syariah from 2020 to 2022 has become a concern. A quantitative research method was employed, with data analyzed using SPSS 27. The findings indicate that workplace relationships and financial rewards have a significant impact on employees' work-life satisfaction, while appreciation does not exert a significant influence on employee satisfaction at Bank BJB Syariah, Bekasi Branch. These findings highlight that employee relationships and financial rewards play a more significant role than appreciation in enhancing work-life satisfaction.This study contributes to a deeper understanding of the factors affecting work-life satisfaction in the Islamic banking sector and provides insights for formulating strategies to enhance employee well-being.
I Integrasi Antara Etika Bisnis dan Pemasaran Syariah Dalam Meningkatkan Kepuasan Pelanggan Di Toko Al-Bugisiyyah Collection Makassar Jamaal, Rosmah; Efendi, Ahmad
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Islamic marketing ethics focuses on the principles of equality, justice, and value maximization for the welfare of society. These ethics play a crucial role in raising the standard of customer behavior. The customer-centric strategy is now considered an important element due to the rapidly changing marketing trends in MSMEs, especially in the Al-Bugisiyyah Collection. Therefore, the purpose of this study is to find out the important role of Islamic marketing ethics and identify its influence on customer satisfaction in Al-Bugisiyyah Collectin stores. This study uses a qualitative descriptive method with a case study approach. Data is collected through observations, in-depth interviews with owners and customers, and internal store documentation. The results of the study show that consistent Islamic marketing ethics play a very important role in increasing customer satisfaction and loyalty and can increase repeat orders. These findings reinforce the importance of a value approach in Muslim retail businesses to build long-term relationships with customers
The Impact of FoMO and Socioeconomic Status on Gen-Z Female Islamic Students’ Branded Goods Purchases: Religiosity as Moderator Az Zahra, Saffanah; Julaihah, Umi
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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This study aims to examine the influence of fear of missing out (FoMO) and socioeconomic status on purchasing decisions for branded goods among Generation Z female students, with religiosity as a moderating variable. The research was conducted at Al-Izzah International Boarding School in Batu, East Java, Indonesia. Considering that adolescents in this environment face unique challenges balancing modern consumer culture with religious values. Data were collected through a questionnaire distributed to 204 students, with 165 valid responses analyzed. The study employed Structural Equation Modeling-Partial Least Squares (SEM-PLS) using SmartPLS 4.0 to test the proposed hypotheses. The result reveal that FoMO and socioeconomic status significantly and positively affect purchasing decisions, while religiosity does not moderate the relationship between FoMO and purchasing decisions. However, religiosity significantly moderates the relationship between socioeconomic status and purchasing decisions. These findings imply that psychological and economic factors play an essential role in shaping students’ buying behavior, while religiosity can strengthen or weaken the influence of socioeconomic status in consumption contexts. This study provides practical insights for educators and marketers to design costumer education programs and marketing strategies that consider the role of religiosity and peer influence in shaping purchasing behavior among young Muslim consumers
pengaruh Pengaruh Aglomerasi Industri, Upah Minimum Provinsi, Dan Jumlah Angkatan Kerja Terhadap Pendapatan Asli Daerah Se-Pulau Sumatera Dalam Perspektif Ekonomi Islam (Analisis Data Panel Tahun 2018-2024): (Analisis Data Panel Tahun 2018-2024) Putri, Putri Amalia; Noviarita, Heni; Setyanto, Alief Rakhman
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Local Own-Source Revenue (PAD) is an indicator of fiscal independence and the success of regional development. On the island of Sumatra, PAD values vary between provinces, influenced by industrial agglomeration, minimum wage policies, and the size of the labor force. This study aims to analyze the influence of these three factors, namely industrial agglomeration, provincial minimum wages, and the size of the labor force, on PAD in ten provinces on the island of Sumatra for the period 2018-2024 using a quantitative approach based on panel data analysis using Common Effect, Fixed Effect, and Random Effect models. The results show that industrial agglomeration does not have a significant effect on PAD, while provincial minimum wages and the size of the labor force have a significant positive effect, and simultaneously, all three contribute significantly to the increase in PAD. These findings confirm that strengthening PAD is more determined by fair wage policies and the utilization of productive labor than by industrial concentration. From an Islamic economic perspective, these research results are in line with the principles of justice, balance, and maslahah, which emphasize the equitable distribution of economic benefits. This study contributes academically to the regional economic literature and provides practical recommendations for local governments in formulating sustainable fiscal strategies
Pilgrim Loyalty Development Through Satisfaction and Sharia-Compliant Service Quality (Case Study: Umrah Travel Agencies in AMPHURI SULAMPUA) Sastri Ayu Wiranitania; Murtiadi Awaluddin; Nasrullah Bin Sapa
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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This study aims to examine the satisfaction and loyalty of pilgrims through Sharia-compliant service quality in Umrah travel companies under AMPHURI SULAMPUA. The research is grounded in the regulations set forth by Ministerial Regulation No. 8 of 2018 concerning the Organization of Hajj and Umrah. These serve as essential foundations to ensure that Hajj and Umrah travel services comply with existing Sharia standards. The type of research used is quantitative with a causal associative research design. This study collected primary data from 150 respondents using a purposive sampling technique. The data were analysed using the Structural Equation Modelling (SEM) method with the Partial Least Squares (PLS) version 4.0 approach. The results show that Sharia-compliant service quality—measured by reliability, responsiveness, assurance, empathy, tangibles, and Sharia compliance—has a positive and significant effect on pilgrims’ satisfaction. Similarly, Sharia-compliant service quality has a positive and significant effect on pilgrims’ loyalty. Furthermore, pilgrim satisfaction has a positive and significant effect on loyalty. The mediating effect of satisfaction strengthens the relationship between Sharia-compliant service quality (based on reliability, responsiveness, assurance, empathy, tangibles, and Sharia compliance) and pilgrim loyalty, and this effect is also positive and significant. The implication of this study is that Umrah pilgrims served by travel companies under AMPHURI SULAMPUA place greater emphasis on Sharia-compliant service quality in order to attain satisfaction and ultimately build loyalty toward the offered products or service packages.

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