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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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Uncovering Wasathiyah Values On Sharia Banking Amiruddin, Muhammad Majdy; Sapa, Nasrullah bin; Syatar, Abdul
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 4, No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v4i2.14676

Abstract

Islamic banking in Indonesia has a unique approach. Not only restricted by texts which are the source of rules, he also strongly considers the reality of society in Indonesia. Text and context also struggle to achieve benefit. Something that can only be achieved by the wasathiyah approach. This study aims to reveal the wasathiyah values contained in Islamic banking activities in Indonesia. The method adopted is a qualitative design. As a grand theory, this research uses wasathiyah theory by Yusuf Al Qardhawi. An interesting finding states that wasaty has covered the right understanding related to the usury distinction between interest and profit and wages. Another interesting finding shows that uqud al murakkabah that has been forbidden by the traditionalists in total, is also given an appropriate portion so that halal-haram can be classified
STRATEGI MANAJEMEN RISIKO PEMBIAYAAN MURABAHAH PADA PEMBIAYAAN KREDIT PEMILIKAN RUMAH SYARIAH Hafsah Umar, St
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 4, No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v4i2.20231

Abstract

This study aims to know and explained about risk management strategy of murabahah costing by Syariah Mandiri Bank in handling of costing syariah house ownership credit. These research was qualitative in decriptive approach. Data analysis start of the gathering data then data analysis suitable with reduction, preparation, verification and conclusion. The result of research to proof that the risk management in murabahah costing on Syariah Mandiri Bank represent the attempt of minimalization of risk financial, as well as in pra contract or pasca contract as well as the risk in costing, risk of market and risk of operational. The risk management strategy suitable with Standard Operational Procedure from internal banking, identification to selection of customer, analysis measure about financial condition of customer with 5C analysis, monitoring of risk mitigation after contract with controlling of system computer program sigma and handling of risk through risk management include user, system and time limit.
Analisis Profitabilitas Bank Syariah Di Indonesia: Pendekatan Autoregressive Distributed Lag (ARDL) Dewi, Fitri Kurnia; Sudarsono, Heri
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5 No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.20281

Abstract

This study aims to analyze the factors that affect the profitability of Islamic Commercial Banks in Indonesia. The dependent variable in this study is Return on Assets (ROA), while the independent variables include CAR, NPF, FDR, BOPO, DPK, mudharabah financing, murabahah financing, BI Rate, and inflation. The research period was from January 2015 to July 2020 using the Autoregressive Distributed Lag (ARDL) approach. This study found that in the short term NPF, FDR, BOPO, DPK, mudharabah financing, murabahah financing, and inflation are significant variables on profitability. Meanwhile, in the long term, the variables that are significant to profitability include CAR, BOPO, DPK, and BI Rate. Mudharabah and BOPO financing are the variables that have the biggest influence on profitability. Therefore, Islamic bank management needs to pay attention to the risk of financing using a profit-sharing scheme. In addition, management needs to maintain the level of bank efficiency by taking into account the use of funds to meet operational expense.
Kelayakan Nasabah Dalam Pemberian Pembiayaan Pada PT. Bank Pembiayaan Rakyat Syariah IMB Kota Makassar Amiruddin K, Amiruddin K
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 4, No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v4i2.15867

Abstract

The current development of banking continues to experience excellent growth, this is indicated by the increasing number of people using Islamic bank products, currently, the market share of sharia has reached 6 percent. Various of financing products of sharia bankin can meet the needs of the community. So that sharia need to analyze each financing to avoid financing risks. The purpose of this study was to determine the feasibility of customers in providing financing at PT. BPRS IMB Syariah Makassar. Then to find out the impact of customer eligibility on financing at PT. BPRS IMB Makassar city. This type of research is field research which is taken directly at the PT. BPRS IMB Makassar. The nature of the research used is qualitative. The data source of this research is primary data obtained from direct interviews with PT. IMB Makassar Islamic People's Financing Bank as well as secondary data summarized from company documents and other literature observations and documentation. The analysis technique used in this research is descriptive qualitative, by describing the feasibility of the customer in obtaining financing, as well as the impact obtained when obtaining financing at the BPRS IMB Makassar city. The results of this study indicate that in analyzing the feasibility of customer financing in providing financing, Islamic People's Bank assesses using the 5C principle, namely Character, Capacity, Capital, Collateral, and Condition of Economy and the FAST concept of Fathanah, Amanah, Shiddiq, and Tabligh. As for the feasibility impact on the provision of financing, namely for the Bank, this feasibility has a positive impact because, with the feasibility, the Bank can analyze in detail the customer's request. As for the customer, this eligibility has a negative impact because obtaining capital quickly will be hampered by this feasibility.
Service Quality And Corporate Image To The Customer Loyalty Of BPRS Baktimakmur Indah Sepanjang Sidoarjo Nikmah, Rochmatin; Syarifudin, Syarifudin
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.20022

Abstract

In line with the increasingly intense business competition in all sectors, Islamic banking needs to enhance the company's quality to compete and maintain its existence. One of the keys to success is building customer loyalty. This study aimed to analyze the effect of service quality and corporate image on customer loyalty of BPRS Baktimakmur Indah Sepanjang, Sidoarjo. This research was associative quantitative research, data collection was done through observation and questionnaires with the purposive sampling method. The results revealed that service quality had no significant effect, while corporate image had a significant effect on customer loyalty. However, it simultaneously indicated a quite strong influence. This study found that the indicator with the most dominant influence on service quality was fulfilled expectations, especially in terms of pick-up service. Meanwhile, the corporate image was an indicator of company characteristics, especially the location of the BPRS which was strategic and easily accessible. Thus, it is hoped that the BPRS Baktimakmur Indah Sepanjang, Sidoarjo can enhance service and product quality and be able to maintain its reputation consistently.
Model Kelembagaan Nazhir Dalam Pengelolaan Wakaf Produktif Di Indonesia Safitri, Anggraeni Wenny; Hasan, Asyari; Oktaviany, Mega
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.17030

Abstract

This study aims to identify the factors inhibiting the management of productive waqf in Indonesia and the strategic priorities that can be offered with the Analytic Network Process (ANP) approach. Respondents consist of the Indonesian Waqf Board (BWI), academics and practitioners who are involved in the world of productive waqf. The results of this study indicate that the problems that arise in the management of productive waqf in Indonesia consist of 4 important aspects, namely: 1) human resource problems; 2) information and technology issues; 3) sharia issues and 4) regulatory issues. The strategic priorities for developing productive waqf are 1) strengthening information systems and waqf technology; 2) aspects of strengthening governance (good Nazhir governance), 3) aspects of the formation of educational institutions, socialization and education of waqf, 4) aspects of regulatory support from the Government. The results of this study can complement the management of existing productive waqf, the application of strategic priorities can encourage better collection and distribution of productive waqf.
Internalisasi Nilai-Nilai Macca na Malempu' dalam Etika Bisnis Islam sebagai Upaya Meningkatkan Kepuasan Pelanggan CV. Idlan Waranie Perkasa (Mabello Indonesia) Jannah, Sa'adal; Siradjuddin, Siradjuddin; Syaharuddin, Syaharuddin
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 4, No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v4i2.15194

Abstract

This study aims to describe the realization of the values of macca na malempu 'and Islamic business ethics in an effort to increase customer satisfaction and the process of internalizing the values of macca na malempu' in Islamic business ethics as an effort to increase customer satisfaction of Mabello Indonesia. This research uses field research methodology and library research with descriptive qualitative methods and analysis with a normative theology approach and literature study. The result of the research is that Mabello Indonesia in an effort to increase customer satisfaction has realized the values of macca na malempu ', such as in product innovation and product quality control, Mabello Indonesia has also implemented Islamic business ethics in an effort to increase customer satisfaction by implementing 5 basic axioms, among others; unity, equilibrium, responsibility, free will, and benevolence, and the values of macca na malempu 'are internalized in the 5 basic axioms of Islamic business ethics. The implications of research on business activities must uphold the value of regional local wisdom and for Muslim businessmen, the application of Islamic business ethics is absolutely necessary so that business activities are oriented to the world and the hereafter.
Faktor-faktor Yang Mempengaruhi Perkembangan Produk Pembiayaan Pada Bank Pembiayaan Rakyat Syariah di Jawa Timur Wenni, Atika Novirda; Canggih, Clarashinta
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.14503

Abstract

Penelitian ini bertujuan untuk menganalisis dampak DPK, NPF, FDR, ROA, Inflasi dan BI Rate terhadap jumlah pembiayaan yang disalurkan oleh BPR Syariah di Wilayah Jawa Timur di bawah Kantor Regional 4 OJK Jawa Timur pada 2014-2018. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan regresi berganda data panel. Hasil penelitian menunjukkan bahwa ROA, Inflasi dan BI Rate secara parsial tidak berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS, sedangkan DPK, NPF, dan FDR berpengaruh terhadap total pembiayaan oleh BPRS. Lebih lanjut, dana pihak ketiga, NPF, FDR, ROA, inflasi dan BI Rate secara simultan berpengaruh signifikan terhadap jumlah pembiayaan yang disalurkan oleh BPRS. Prosentase Adjusted R Square sebesar 99,05%, 99,05% dari jumlah pembiayaan yang disalurkan oleh BPRS dipengaruhi oleh DPK, NPF, FDR, ROA, inflasi dan BI Rate sedangkan sisanya 0,95% dipengaruhi oleh variabel lain.
Analisis Minat Menabung Masyarakat di Bank Syariah Indonesia Studi Empiris Desa Pelawan Jaya Nengsih, Titin Agustin; hamzah, Muhammad Maulana; Olida, Anisah
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5 No 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i2.22126

Abstract

Penelitian ini bertujuan untuk mengetahui apakah promosi, pengetahuan dan kepercayaan berpengaruh terhadap minat menabung masyarakat di Bank Syariah Indonesia KCP Singkut. Penelitian ini menggunakan metode kuantitatif dengan memperoleh data primer dari kuesioner dengan mengambil responden sebanyak 86 orang. Hasil penelitian uji-t menunjukkan bahwa variabel promosi dan kepercayaan berpengaruh secara signifikan, sedangkan variabel pengetahuan tidak berpengaruh secara signifikan. Adapun hasil penelitian uji-F menyatakan bahwa promosi, pengetahuan dan kepercayaan berpengaruh signifikan secara bersama-sama terhadap minat menabung. Nilai koefisien determinasi dari promosi, pengetahuan dan kepercayaan sebesar 28,4% terhadap minat menabung masyarakat. Berdasarkan hasil penelitian ini maka diharapkan pihak perbankan Syariah dapat membuat kombinasi promosi dan edukasi yang dibalut dalam agenda keagamaan untuk meningkatkan minat masyarakat Desa Pelawan jaya untuk menggunakan jasa bank Syariah Indonesia.
The Impact Covid-19 to Financing SMEs Sharia Banking In Indonesia Abdullah, Muhammad Ruslan; Fasiha, Fasiha
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5 No 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

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

Abstract

In the economy recovery, banking are required to keep exist provide financing to the perpetrators of the business, especially sharia bank which is identical with the real sector. SMEs in a normal situation are very difficult to get funding due to the non-fulfillment of the requirements that must be met to obtain funding , what is about the corona virus pandemic condition? How is the condition of Islamic banking in providing financing for SMEs?  The results of the study found that the sharia banks financing is not experiencing an increase or stagnate. On the other , Equivalent levels of rewards in Sharia General Bank and in percent experienced a decrease but not significantly, and so also with the level of average margin financing on SMEs percent experienced a decrease but not significantly. The results of the analysis are obtained conclusion that the bank sharia in Indonesia affected pandemic Covid-19.

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