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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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Indeks Literasi Keuangan dan Inklusi Keuangan Perbankan Syariah di Provinsi Sulawesi Selatan Yunus, Kurniati; Rini, Rini
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.v5i2.22088

Abstract

This study aims to analyze the effect of Islamic financial literacy on financial inclusion of Islamic banking in South Sulawesi Province and to see the level of Islamic financial literacy and financial inclusion of Islamic banking in the people of South Sulawesi Province and the effect of financial literacy on financial inclusion of Islamic banking. This research uses this research to measure the level of financial literacy and financial inclusion of Islamic banking as well as the effect of Islamic financial literacy on financial inclusion in Islamic banking in South Sulawesi Province. The data processing method uses simple analysis. The results of this study indicate that the Islamic financial literacy index is in the medium category and the Islamic banking financial inclusion in South Sulawesi Province is in the low category which indicates that the level of public understanding of Islamic finance already exists but access to Islamic banking is still lacking and financial literacy has an influence on financial inclusion. Islamic banking in communities in South Sulawesi Province.
Manajemen Likuiditas, Manajemen GAP, dan Manajemen Valuta Asing Pada Assets and Liability Management (ALMA) Terhadap Net Profit Margin (NPM) Pada Bank Muamalat Indonesia Periode 2017-2019 Mahdatika, Inna Cikita
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

Tujuan dari penelitian ini, guna untuk mengetahui pengaruh Manajemen Likuiditas, Manajemen Gap dan Manajemen Valuta Asing terhadap Net Profit Margin (Y) pada Bank Muamalat Indonesia Periode 2017-2019. Penelitian ini menggunakan metode kuantitatif dengan analisis regresi linier berganda. Variabel endogen berupa Net Profit Margin, sedangkan variabel eksogen berupa Manajemen Likuiditas, Manajemen Gap dan Manajemen Valuta Asing. Hasil dari penelitian menunjukkan bahwa variabel Manajemen Likuiditas (X1) dan manajemen Valuta Asing (X3) berpengaruh positif siginifikan terhadap Net Profit Margin (NPM) pada Bank Muamalat Indonesia tahun 2017-2019. Hal ini dibuktikan dengan melihat nilai standart coefficient beta menunjukkan nilai positif sebesar 337.1331% dan 21.41268%. Sedangkan untuk variabel Manajemen Gap (X2) berpengaruh negatif signifikan terhadap Net Profit Margin (NPM) pada Bank Mualamat Indonesia Periode 2017-2019. Hal ini dibuktikan dengan melihat nilai standart coefficient beta menunjukkan nilai negatif sebesar 39.50876%. Dalam pengujian secara simultan, seluruh variabel eksogen meliputi manajemen likuiditas (X1), manajemen gap (X2) dan manajemen valuta asing (X3) secara simultan mempengaruhi variabel endogen yakni Net Profit Margin (NPM) (Y).
Pengaruh Premi, Klaim, dan Hasil Investasi Terhadap Surplus Syariah Underwriting dan Laba Asuransi Syariah Periode 2014-2019 N, A Nur Hikmah; Nofrianto, Nofrianto
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.v5i2.22785

Abstract

Penelitian ini bertujuan untuk mengetahui premi, klaim, dan hasil investasi terhadap surplus underwriting dan laba pada perusahaan asuransi jiwa syariah di Indonesia periode 2014-2019. Teknik pengumpulan data yang digunakan adalah menggunakan data sekunder yakni data dari laporan keuangan perusahaan asuransi jiwa syariah yang  konsisten dan terdaftar pada Otoritas Jasa Keuangan (OJK) selama tahun 2014-2019. Sampel diambil menggunakan metode purposive sampling dengan jumlah sampel sebanyak 8 perusahaan asuransi jiwa syariah. Adapun metode analisis yang digunakan adalah regresi data panel dan path analysis dengan menggunakan program Eviews 9.0. Hasil penelitian ini menunjukan bahwa premi tidak berpengaruh signifikan terhadap surplus underwriting sedangkan klaim dan hasil investasi berpengaruh signifikan terhadap surplus underwriting. Adapun variabel laba tidak memediasi pengaruh antara premi, klaim dan hasil investasi terhadap surplus hasil underwritting karena diketahui bahwa premi, klaim dan hasil investasi tidak signifikan terhadap laba, dan variabel laba signifikan terhadap surplus hasil underwriting.
Pengaruh Inflasi, BI Rate, Nilai Tukar, dan Jumlah Reksadana Terhadap Nilai Aktiva Bersih (NAB) Reksadana Syariah dan Konvensional di Indonesia R, Rizal; D, David; Shabri, Husni; Nengsih, Ifelda
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.v5i2.22783

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh inflasi, BI rate, nilai tukar dan jumlah reksadana terhadap nilai aktiva bersih (NAB) reksadana syariah dan konvensional di Indonesia. Penelitian ini merupakan penelitian lapangan dengan pendekatan kuantitatif. Data yang digunakan dalam penelitian ini adalah data sekunder berupa Laporan Keuangan tahun 2010 sampai April 2021 yang terdaftar di Otoritas Jasa Keuangan (OJK). Jenis datanya adalah data panel yang di analisis menggunakan regresi linear berganda. Hasil penelitian menunjukan bahwa tingkat inflasi, BI rate, nilai tukar dan jumlah reksadana secara simultas memiliki pengaruh terhadap NAB baik syariah maupun konvensional. Secara partial NAB Reksadana syariah tidak dapat dipengaruhi oleh BI rate sedangkan NAB reksadana konvensional dapat dipengaruhi oleh jumlah reksadana.
Strategi Pemasaran Multi Level Syariah PT. Ahadnet Indonesia dan Multi Level Konvensional PT. DXN Indonesia Cabang Makassar K, Amiruddin
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.v5i2.23589

Abstract

This research aims to find out how the concept of Sharia marketing vs conventional marketing and aims to know the product marketing strategy in PT. Ahad Net and PT. DXN Makassar Branch, and know the differences and similarities of the two multilevels. The type of research used is a type of qualitative research. The results of the research analysis then the author found that the concept of spiritual-based sharia marketing management (velue) that began with the sincere intention and pleasure of Allah to obtain double-dimensional benefits namely matril and siprituil (falah). While conventional marketing management prioritizes speculation and exploitation to achieve the greatest material profit. Sunday net marketing strategy prioritizes morality as the main capital for a marketing to be trusted and trusted by consumers, then the products marketed are products that are guaranteed quality and guaranteed halal again good, while dxn product marketing strategy DXN As a multi-level conventional marketing prioritizes the superiority of its products and incentives are high enough and loaded with speculation in achieving its goal of maximum material benefits.
Implementasi Akad Mudharabah dan Musyarakah pada Teknologi Finansial Syariah dengan Pendekatan Kemaslahatan Suhardi Kamaruddin
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.v6i1.22075

Abstract

This study uses a combination of literature and field research with qualitative methods carried out by descriptive analysis. Data collection methods include interviews, observations, and documentation which are then analyzed through several stages: data reduction, data presentation, and conclusion drawing. The results of the study revealed that: (1) Mudharabah contract financing conducted by Sharia Fintech Ammana in accordance with the basic concept of mudharabah transactions, as stipulated in the DSN-MUI fatwa No. 117/DSN-MUI/II/2018, then the Financing Musyarakah contract run by Ammana Fintech Syariah is in line with the basic concept of the Musyarakah transaction as the provisions of the DSN fatwa No.117/DSN-MUI/II/2018. From the analysis of the implementation of the mudharabah and musyarakah contracts, it is very relevant to the principles of Islamic economics. (2) The concept of maslahah in mudharabah and musyarakah contracts in improving the community's economy, SMEs the provide a very solution. and includes elements of mashlahah such as guarding religion, guarding the soul, guarding reason, guarding property, and guarding offspring. The results of the analysis obtained in terms of customer financing at Ammana Fintek Syariah obtain business development for SMEs.
The Role of Sharia Fintech Based on Maqashid Sharia Perspective Tri Widiastuty
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.v6i1.25559

Abstract

In recent years, both conventional and Islamic financial technology (fintech) have begun to develop. Although the number of Shariah fintech is not as many as the conventional one, its presence should be taken into account. As this fintech service develops, there are also many risks and challenges faced in its practice. Therefore, the researcher is interested in raising the topic of Shariah fintech, which is associated with the maqashid al-shariah perspective. The objective of this study is to determine the development of Shariah fintech in Indonesia from its emergence to the present, to determine the role of Shariah fintech in the perspective of maqashid al-shariah, and to determine obstacles in the development of Shariah fintech. The research method used in this study is descriptive analysis method with a qualitative approach. The researcher performed a literature study to collect data from various sources that support the researcher’s chosen topic, i.e., Shariah fintech associated with maqashid al-shariah. In general, Shariah fintech has fulfilled the principles of maqashid al-shariah. However, there are elements that need to be more strengthened. An example is the need for a governing regulation that separates Shariah fintech from conventional fintech regulation. This is because there are very different crucial elements and principles between these two types of fintech.
Aktivitas Magang Lembaga Keuangan Syariah dan Proyek Kemanusiaan dalam Kurikulum Merdeka Belajar Kampus Merdeka M Makhrus; Safitri Mukarromah; Istianah Istianah; Restu Frida Utami
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.v6i1.26147

Abstract

The purpose of this study is to examine internship activities in Islamic financial institutions and humanitarian projects in improving the competence of graduates who have power in the world of work. This type of research is field research with research partners Bank Muamalat Purwokerto, KSU BMT Dana Mentari Purwokerto, and LAZISMU Banyumas Regency, while the data collection techniques are through observation, questionnaires, and interviews. This study indicates that the activities in the Independent Learning Campus (MBKM) curriculum of the Islamic Economics Law Study Program, Muhammadiyah University of Purwokerto have been going well and have had a positive impact on students and partners. Internships for Islamic financial institutions and humanitarian projects provide students with skills and competencies regarding product selling, product knowledge, communication skills, and humanitarian volunteer. Based on the evaluation results, students who take part in these two activities can increase motivation, skills, and behaviors that can affect future career plans (work) because they are in the world of work. In connection with efforts to increase graduate competence, it is carried out by increasing soft skills, namely by comprehensively understanding the entire series of internship activities for Islamic financial institutions and humanitarian projects, especially student activities that have met partner expectations, namely being diligent, communicative, active, and having competencies that are by partner needs.
Praktek Bisnis Maslahat Dalam Perspektif Musannif Angga Syahputra; Khalish Khairina
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.v6i1.27471

Abstract

Economic practices carried out by many parties in fact do not all bring benefits. Because many only consider profit and personal interest. KPPU itself stated that for a long time big businessmen had run unfair business by taking advantage of loopholes in power, guarantees and special access. However, the facts described above contradict what Anif did. Initial findings of researchers, Anif is not just money oriented. The impression of a businessman who acts for personal interests, does not care about the environment and society, is far from Anif's personality. For this reason, the researcher wants to examine more deeply about the concept of benefit in business practices carried out by Anif. This study uses a literature study by conducting a detailed study of H. Anif's profile book and is supported by previous studies as a secondary source. The results of the study show that Anif has succeeded in bringing benefits to the various businesses he runs. The concept of protecting religion, self, reason, family and property can be applied simultaneously by Anif.
Faktor-faktor Menentukan Harga Saham Syariah Pada Daftar Saham Terdaftar di Index Saham Syariah Indonesia Jamaluddin Majid; Gagaring Pagalung; Andi Ruslan
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.v6i1.27769

Abstract

This study aims to determine the effect of Return On Assets (ROA), Earning Per Share (EPS), Debt to Equity Ratio (DER) and Return On Equity (ROE) on stock prices in Islamic trading and investment services companies listed on the Index. Indonesian Sharia Shares. This study uses secondary data with quantitative methods that connect the dependent variable with the independent variable using the SPSS program. The population of this study are companies in the Islamic trading and investment services sector listed on the Indonesian Sharia Stock Index (ISSI). The sample used as many as 11 companies with purposive sampling method obtained according to the criteria. The results of the analysis show that Return on Assets (ROA) has a significant and positive effect on stock prices in the company. Meanwhile, the Earning Per Share (EPS) and Debt to Equity Ratio (DER) variables have no significant effect on the company's stock price. While the Return On Equity (ROE) variable has a significant and negative effect on stock prices in sharia trading and investment service sector companies listed on the Indonesian Sharia Stock Index.

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