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Core Subject : Religion, Economy,
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.
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Articles 12 Documents
Search results for , issue "Vol 4, No 1 (2020)" : 12 Documents clear
Pengaruh Kinerja Keuangan Terhadap Harga Saham PT. Krakatau Steel Tahun 2015-2019 Trisbiani, Meyda Dewi; Rizqiyah, Amanatur; Novita, Amira Dian
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8451

Abstract

PT. Krakatau Steel which is engaged in steel production has experienced a decline in financial performance. From this incident, the company has a large amount of debt and declining corporate profits. This study aims to determine the effect of Return on equity, and Debt to equity ratio on stock prices on the IDX. The population and sample in this study are the financial statement data of PT. Krakatau Steel 2015-2019. The data collected in this study uses how to download the company's Annual Report that we obtained from the official website of IDX. Analysis of the data used in this study uses the classic assumption test, multiple linear regression test, and hypothesis testing with the SPSS application program. The results of this study are the Return on equity variable, and the Debt to equity ratio has no significant effect on stock prices.
Upaya Penanganan Pembiayaan Mudharabah Bermasalah Di KSPS BMT Logam Mulia Klambu Grobogan Tyas, Lu’lua Nur Rizkianing; Arifin, Jaenal
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8420

Abstract

According to Saeed Mudharabah Financing Practices will encounter many problems in Islamic financial institutions, one of which is non-performing financing. This study seeks to describe the practice of mudharabah financing and the efforts to handle problematic mudharabah financing at KSPS BMT Logam Mulia. This study uses a qualitative method with a field research approach. To track data, researchers conducted observations and interviews as well as documentation according to the themes discussed. The informants selected by the researchers were managers and employees of the KSPS BMT Logam Mulia Klambu to conduct interviews in the data search process. First, the practice of mudharabah financing at KSPS BMT Logam Mulia Klambu runs as the mudharabah practice in sharia financial institutions, both banks and Islamic cooperatives. Second, the settlement of problematic mudharabah financing. KSPS BMT Logam Mulia prioritizes the principle of kinship and tries to avoid collateral execution or legal channels.
Pengaruh Exchange Rate, Inflasi, Risiko Sistematis Dan BI Rate Terhadap Return Saham Syariah Di Jakarta Islamic Index (JII) Periode 2015-2018 Abdul Jabar, Ahmad Karim; Cahyadi, Iwan Fahri
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8409

Abstract

This research aims to determine the effect of variable exchange rate, inflation, systematic risk, and bi rate partially on the return of sharia stocks in the Jakarta Islamic Index (JII). In addition, to know the effect of variable exchange rate, inflation, systematic risk, and BI rate simultaneously on the return of sharia stocks in Jakarta Islamic Index (JII) period 2015-2018. This type of research is quantitative research with secondary data sources. The sampling method uses the purposive sampling method. This research data uses sharia stock data listed in Jakarta Islamic Index period 2015-2018. The method of data analysis used is to use multiple linear regression analysis methods. The results of this study show that partially variable exchange rate (X1) negatively and significantly affects the return of sharia stocks with a value of t-count > t-table (2.482 > 1,998) and a significant rate of 0.016 > 0.05, while inflation also negatively and significantly affects the return of sharia stocks with a value of t-count > t-table (2,600 > 1,998) and a significant level of 0.012 < 0.05, and systematic risk (X3) affects the return of sharia stocks with a value of t-count > t-table (2.038 > 1.998) and a significant level of 0.046 < 0.05, while the BI rate (X4) negatively and significantly affects the return of sharia stocks, with a value of t-count > t-table (2.412 > 1,998) and a significant level of 0.019 < 0.05. Simultaneously indicates that the exchange rate, inflation, systematic risk, and BI rate significantly affect the return of sharia stocks with a value of F-count > F-table (2.810 > 2.52) with a significance value of 0.033.
Bank dan Lembaga Keuangan Syariah Dalam Perspektif Al-Qur’an Maharani, Dewi; Hidayat, Taufiq
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8448

Abstract

The Qur'an is the main source of Islamic teachings and is a reference for Muslims in understanding the Shari'a. In the Al-Qur'an there is no text that mentions the word bank, but in practice banking has been done since the time of the Prophet Muhammad. The Qur'an and Sunnah only provide basic principles and philosophies, and emphasize prohibitions that must be avoided. Thus, all that has to be done is to identify the things that are prohibited by Islam.
Perlukah E-Wallet Berbasis Syariah? Nuha, Ulin; Qomar, Moh. Nurul; Maulana, Rafika Anissa
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8449

Abstract

The purpose of this research is to find out about the transaction system in digital wallets (e-wallets) associated with the wadiah yad dhomanah contract in the study of muamalah fiqh. Whether the transaction is in accordance with the principles of Islamic finance so that it creates peace for Muslims in using the application.Digital payments are currently a public need along with the development of information technology in particular. This is evidenced by the non-cash payment innovation. This innovation in Indonesia was formally carried out by Bank Indonesia through the National Non-Cash Movement (GNNT) in 2014. This movement aims to increase public awareness of the use of non-cash instruments so that a community that uses cashless instruments is gradually formed (cashless). society).The technology cashless society clearly plays an important role in encouraging the consumption of Indonesia's middle class to be more consumptive. The presence of electronic money is one way to encourage people to become consumptive. The touch of technology in consumption through electronic money has provided a new color in interpreting consumption. Consumption does not only use its utility function to spend but also an identity function that needs to be fulfilled. Non-cash payment innovation in Indonesia continues to grow, along with the rise of financial technology (fintech) products in the form of digital wallets (e-wallets) such as Go-Pay, OVO, Dana, LinkAja, Paytren, and so on.
Analisis Pengaruh Kewajiban Penyediaan Modal Minimum (KPMM), Beban Operasional Pendapatan Operasional (BOPO), Financing To Deposit Ratio (FDR), dan Inflasi Terhadap Return On Asset (ROA) Pada Bank Umum Syariah di Indonesia Periode 2016-2019 Al Iqbal, Muhammad Hilda; Budiyanto, Iwan
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.6887

Abstract

This study aims to analyze and obtain empirical evidence regarding the effect of KPMM, BOPO, FDR, and Inflation on ROA in Islamic Commercial Banks in Indonesia for the period of 2016-2019. The method used is Multiple Linear Regression Analysis with the analysis techniques F Test, R2 Test, and t Test. Based on the results of testing and discussion, the results of KPMM, BOPO, FDR, and Inflation simultaneously have a significant effect on the Return on Assets (ROA) of Islamic Commercial Banks in Indonesia. Partially, BOPO and FDR have a significant effect on Return on Assets (ROA). Meanwhile, KPMM and Inflation do not have a significant effect on Return on Assets (ROA) at Islamic Commercial Banks in Indonesia.
Perlukah E-Wallet Berbasis Syariah? Ulin Nuha; Moh. Nurul Qomar; Rafika Anissa Maulana
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8449

Abstract

The purpose of this research is to find out about the transaction system in digital wallets (e-wallets) associated with the wadiah yad dhomanah contract in the study of muamalah fiqh. Whether the transaction is in accordance with the principles of Islamic finance so that it creates peace for Muslims in using the application.Digital payments are currently a public need along with the development of information technology in particular. This is evidenced by the non-cash payment innovation. This innovation in Indonesia was formally carried out by Bank Indonesia through the National Non-Cash Movement (GNNT) in 2014. This movement aims to increase public awareness of the use of non-cash instruments so that a community that uses cashless instruments is gradually formed (cashless). society).The technology cashless society clearly plays an important role in encouraging the consumption of Indonesia's middle class to be more consumptive. The presence of electronic money is one way to encourage people to become consumptive. The touch of technology in consumption through electronic money has provided a new color in interpreting consumption. Consumption does not only use its utility function to spend but also an identity function that needs to be fulfilled. Non-cash payment innovation in Indonesia continues to grow, along with the rise of financial technology (fintech) products in the form of digital wallets (e-wallets) such as Go-Pay, OVO, Dana, LinkAja, Paytren, and so on.
Analisis Pengaruh Kewajiban Penyediaan Modal Minimum (KPMM), Beban Operasional Pendapatan Operasional (BOPO), Financing To Deposit Ratio (FDR), dan Inflasi Terhadap Return On Asset (ROA) Pada Bank Umum Syariah di Indonesia Periode 2016-2019 Muhammad Hilda Al Iqbal; Iwan Budiyanto
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.6887

Abstract

This study aims to analyze and obtain empirical evidence regarding the effect of KPMM, BOPO, FDR, and Inflation on ROA in Islamic Commercial Banks in Indonesia for the period of 2016-2019. The method used is Multiple Linear Regression Analysis with the analysis techniques F Test, R2 Test, and t Test. Based on the results of testing and discussion, the results of KPMM, BOPO, FDR, and Inflation simultaneously have a significant effect on the Return on Assets (ROA) of Islamic Commercial Banks in Indonesia. Partially, BOPO and FDR have a significant effect on Return on Assets (ROA). Meanwhile, KPMM and Inflation do not have a significant effect on Return on Assets (ROA) at Islamic Commercial Banks in Indonesia.
Pengaruh Kinerja Keuangan Terhadap Harga Saham PT. Krakatau Steel Tahun 2015-2019 Meyda Dewi Trisbiani; Amanatur Rizqiyah; Amira Dian Novita
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8451

Abstract

PT. Krakatau Steel which is engaged in steel production has experienced a decline in financial performance. From this incident, the company has a large amount of debt and declining corporate profits. This study aims to determine the effect of Return on equity, and Debt to equity ratio on stock prices on the IDX. The population and sample in this study are the financial statement data of PT. Krakatau Steel 2015-2019. The data collected in this study uses how to download the company's Annual Report that we obtained from the official website of IDX. Analysis of the data used in this study uses the classic assumption test, multiple linear regression test, and hypothesis testing with the SPSS application program. The results of this study are the Return on equity variable, and the Debt to equity ratio has no significant effect on stock prices.
Upaya Penanganan Pembiayaan Mudharabah Bermasalah Di KSPS BMT Logam Mulia Klambu Grobogan Lu’lua Nur Rizkianing Tyas; Jaenal Arifin
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8420

Abstract

According to Saeed Mudharabah Financing Practices will encounter many problems in Islamic financial institutions, one of which is non-performing financing. This study seeks to describe the practice of mudharabah financing and the efforts to handle problematic mudharabah financing at KSPS BMT Logam Mulia. This study uses a qualitative method with a field research approach. To track data, researchers conducted observations and interviews as well as documentation according to the themes discussed. The informants selected by the researchers were managers and employees of the KSPS BMT Logam Mulia Klambu to conduct interviews in the data search process. First, the practice of mudharabah financing at KSPS BMT Logam Mulia Klambu runs as the mudharabah practice in sharia financial institutions, both banks and Islamic cooperatives. Second, the settlement of problematic mudharabah financing. KSPS BMT Logam Mulia prioritizes the principle of kinship and tries to avoid collateral execution or legal channels.

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