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INDONESIA
SYIRKAH
Published by Sekolah Tinggi Agama Islam Negeri Kudus
ISSN : -     EISSN : -     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
MALIA; Journal of Islamic banking and finance is published Faculy of Islamic Economy and Business, IAIN Kudus Periodicaly (June and December). MALIA publishes articles with two related major themes; Islamic banking and finance. The Islamic banking includes all related issues to management, marketing, accounting, IT systems, and others. While Islamic finance all issues related to both Islamic and general finance.
Arjuna Subject : -
Articles 154 Documents
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PENGARUH KECUKUPAN MODAL (CAR), EFISIENSI OPERASIONAL (BOPO), DAN KUALITAS PEMBIAYAAN (NPF) TERHADAP PROFITABILITAS (ROA) PADA BANK SYARIAH DI INDONESIA Suhadi, Suhadi; Inaroh, Dewi
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3988

Abstract

This study aims to determine the effect of Capital Adequacy Ratio (CAR), Operational Efficiency (BOPO), and Financing Quality (NPF), to Profitability (ROA) at Bank Syariah period 2009-2013. The sample in this research is quarterly financial report of 3 Bank Syariah (BRI Syariah,Bank Mandiri Syariah, and Bank Mega Syariah) period 2009-2013. Data analysis used classical assumption test. The result of the research shows that Operational Efficiency (BOPO) has significant effect to Profitability (ROA) with significance level of 0. 000% and tcount of 6, 900. While Capital Adequacy (CAR) and Financing Quality (NPF) did not affect the level of profitability (ROA) with the level of significance of each of 0.322% and 0.666% and t arithmetic respectively of 1,000 and 0. 435. While F test get F count equal to 20, 053 with significance level equal to 0. 000%, this indicates that Capital Adequacy Level (CAR), Operational Efficiency (BOPO), and Financing Quality (NPF), influence to Profitability (ROA). Combined independent variables of this study can explain the variability level of profitability(ROA)of Islamic banks by 49.2%.Keywords: capital,efficiency,profitability
KOMPLEKSITAS MODEL BISNIS ADAPTIF BERBASIS TEKNOLOGI DIGITAL DAN JARINGAN BISNIS INTERNASIONAL Mubarok, Muhammad Husni
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3984

Abstract

This paper develops a complexity of adaptive business modelson digital technology and international business network towards a sustainable competitive advantage. Furthermore, this paper aims to integrated the concept of adaptive organizational design with complex business models based on digital technology and and international business network. Adaptive organization design should change consistently with changing technological, ecological, economic, social, digital technology and international business networks.Theoretical basis of the concept of business model and relate it to elements of business model, digital technology and international business network. The complexity of adaptive business models based on digital technology emphasizes the importance of building change, international business networks, developing complex and adaptive organizations for innovation in achieving sustainable competitive advantage. Keywords:complexity,adaptive,technology
ANALISIS PENGARUH INFLASI, SUKU BUNGA, DAN NILAI TUKAR TERHADAP KINERJA BANK SYARIAH BUMN (Periode 2014-2017) Mufidhoh, Umrotul; Andriyanto, Irsad; Haerudin, Haerudin
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.4017

Abstract

This study aimed to analyze empirically the effect of Inflation, Interest Rates, and Exchange Rates on the Profitability  (ROA) of Sharia BUMN Banks in Indonesia for the 2014-2017 Period. The sampling technique used was purposife sampling with the criteria of Sharia State-Owned Banks in Indonesia presenting financial statements for the 2014-2017 period. Data is obtained based on the publication of the Financial Services Authority (OJK ), Bank Indonesia (BI), and the relevant banks for the 2014-2017 period. The sample of this study were 3 Sharia BUMN banks in Indonesia, namely BRISyariah, BNI Syariah and Bank Mandiri Syariah. The analysis technique used is multiple regression with the help of SPSS 21 software. The results showed that inflation, interest rates, and exchange rates did not have a significant effect on ROA. Nevertheless, anticipatory steps need to be prepared so as not to cause problems in the future.Keywords: inflation, interest rate, exchange rate, profitability. 
PERAN ACCOUNT OFFICER DI LEMBAGA KEUANGAN SYARI’AH (Studi Kasus di BMT Citra Mandiri Syari’ah Jepara) Riyadi, Fuad; Wahyuni, Sri
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3982

Abstract

 Account officer has a very important role. This role will affect the level of profit earned by a financial institution. This is because the handler of transactions that occur between the customer and the Financial Institution is in the hands of the account officer. This study aims to analyze the role of account officer in BMT Citra Mandiri Syariah in Jepara. The research data were collected through interviews with the respondents. The results of this study indicate that the role of account officer especially in BMT Citra Mandiri Syariah Jepara is very important. This role can ultimately affect the level of profit to be gained. This is because the role of account officer who handles transactions between customers with financial institutions, including the process of financing problem settlement. In the long run the role of account officer can affect the level of cutomer loyalty.Keywords:role,account officer,loyalty
PERMASALAHAN PEMBIAYAAN PADA LEMBAGA KEUANGAN SYARIAH Gunawan, Karebet
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3985

Abstract

Financing of a Sharia Financial Institution is a financing based on sharia principles with agreement or agreement between the banking party and the beneficiary in return for profit or profit sharing. In the provision of financing, sharia financial institutions pay attention to the aspects that exist in the feasibility study in order to reduce the risk in the future. These aspects are production, marketing, personnel, and financial aspects include how the existing financial statements so that all financing is expected to run smoothly and can meet the level of profitability and liability. In providing financing should be seen 5C principles are: character, capacity, capital, colateral and condition of economy. Even in addition to using the 5C there are also using the first 7P Personality, Purpose, Party,Prospect,Payment,Profitability,Protectiona. Keywords:financing,feasibility,and profitablity
BANK SYARIAH DALAM PERSPEKTIF FILOSOFIS,YURIDIS DAN SOSIOLOGIS BANGSA INDONESIA Supriyadi, Ahmad
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3980

Abstract

 Islamic bank is a financial institution that is essential for the people of Indonesia as an institution that is able to portray a welfare society with its products when it is implemented consistently. But the understanding of Islamic banks in the community is still in doubt because of Islamic bank same as conventional banks. Improper understanding of it can be explained by the philosophical, juridical and sociological.Islamic banking is a bank in its operations based on Islamic principles both in raising funds and mudaraba wadiah principles; in financing the purchase using the principles of Murabaha, salam and istishna; the issuing bank services products sharia apply the principle of al-wakalah,al-Hiwalah,al-qardh,al-kafalah, and al-Rahn. Three products when viewed legally has implemented of Constitution Number 21 concerning Islamic banking, and in a philosophical perspective in accordance with Pancasila, grand norm Constitution the 1945 and the Quran-Hadith, whereas in sociological perspective these principles have been entrenched in Indonesian society cooperation in agriculture "maro, mertelu" in livestock typically "mertelu", so it is said that the sociological principles of Sharia have been popular in Indonesia society.Keywords:philosophy,juridical,sociology.
ANALISIS PENGARUH ROA,ROE,BOPO,DAN SUKU BUNGA TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH Cahyani, Wulandari Nur; Falah, Syaikhul; Wijayanti, Ratna Yulia
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3986

Abstract

This study aimed to analyze the influence of ROA, ROE, BOPO, and the Interest Rate on the rate of profit sharing Mudharabah deposits. The population in this study were allIslamic Banks in Indonesia which consists of 11 Islamic Banks.The selection of the sample in this study is purposive sampling according to the criteria set out which are Islamic Banks that published complete financial statements quarterly of the period 2011-2013. The analytical method used is multiple linear regression analysis to examine the relationship / influence of one variable to another variable. The results showed that ROA, ROE, BOPO, and the interest rate affect the level of profit sharing mudharabah deposits simultaneously. Partially, ROA and interest rate do not affect the level of profit sharing mudharabah deposits which is shown by significant value which is greater than 0. 05. While the ROE variable has significant negative influence and the BOPO has significant positive influence on the rate of profit sharing mudharabah deposits. Keywords:assets,equity,sharing
ANALISIS SWOT PERKEMBANGAN PERBANKAN SYARIAHDI INDONESIA Sodiq, Amirus
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3981

Abstract

 This research aims to analyze the development of Islamic banking in Indonesia by SWOT analysis, the research is a qualitative research using secondary data and the result concludes that among the strength of sharia banking is conformity with the principles of sharia, resistant to crisis, has a legal system. While the weaknesses on human resources and technical problems, the opportunity is the increasing awareness of the religious community and knowledge about usury,and the threat is sharia banking can be linked with religious fanaticism and the parties disturbed by the existence of Islamic banks because the source of his income from conventional banking.Keywords:SWOT,awareness,fanaticm,islamic banking
KORELASI RIBA,ZAKAT DAN SHODAQOH DALAM TEORI BATAS MUHAMMAD SYAHRUR Hamdani, Ahmad
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3987

Abstract

Thisarticlewants to expose the thinking of a controversial Syrian thinker,Prof.Ir. Muhammad Syahrur about the correlation of usury, zakah and shodaqoh. The correlation between these three things to explain one of the forms of boundary theory he found. According to Syahrur usury and zakat contained in the theory of the sixth limit is "the maximum limit (positive) should not be passed and the lower limit (negative) may be passed". This restriction applies to the transition of wealth between people. These two limits consist of the maximum limit that should not be violated, namely usury and the minimum limit of zakat that can be exceeded. This form exceeds the minimum limit of a variety of alms. These two boundaries are in two regions: positive and negative regions, and midpoints in neutral positions denoted by zero. In practice, the positive maximum limit of usury, the neutral limit of interest-free loans and the minimum limit of negatives in the form of zakat and alms. According to Syahrur usury is divided into two forms that are related to borrowing and borrowing and borrowing. Syahrur argues that usury is the same as bank interest and he justifies bank interest as the modern banking mechanism that has been run for this.After describing Syahrur's thoughts, this paper provides some notes on the important points that need to be discussed further. Keywords:usury,zakah,shodaqoh
PENYELESAIAN SENGKETA PERBANKAN SYARIAH DI INDONESIA Ridwan, Murtadho
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3983

Abstract

The development of sharia banking and finance institutions is so fast,but in terms of laws and regulatory regulations are still left behind. Among the regulations that still need to be addressed is the regulation related to the settlement of dispute sharia banking business. Where in this case there are still juridical problems, namely the dualism of judicial authority in the settlement of Islamic banking disputes. The result of the study shows that the settlement of Islamic banking dispute in Indonesia can be done through two lines, both litigation and nonlitigation channels. Religious Courts are the competent jurisdiction to resolve Islamic banking disputes on litigation channels, while through non-litigation channels can be done through deliberation, banking mediation, shariah arbitration and judiciary within the General Courts. The National Shariah Arbitration Board (BASYARNAS) is the most strategic forum for resolving the dispute over sharia banking because BASYARNAS can resolve disputes quickly, simply, and at a low cost. Keywords:sharia,dispute,jurisdiction,litigation

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