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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.
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Articles 12 Documents
 1   2 
Search results for , issue "Vol 4, No 2 (2020): -" : 12 Documents clear
Analysis of Financial Ratio That Affecting Total Financing of Bank Umum Syariah In Indonesia Zerlinda Tharifah Ulfa; Purwanto Purwanto
MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): -
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i2.9135

Abstract

This study aimed to analyze the factors that influence the Total Financing of Bank Umum Syariah (BUS) in Indonesia. Islamic banking system in Indonesia was developed within the framework of the dual banking system to give alternatives for more complete banking services to the people of Indonesia. Islamic banking in Indonesia has grown rapidly every year, but it can not be denied the role of Islamic banking in the economy is still relatively small compared with conventional banking. The amount of total financing is only about 5,56% of the banking total credit. It can be seen also in the proportion of assets Islamic banking to national banking assets that only 4.8% and 18.75% of the total national banking accounts. The research data is taken from the financial reports of 10 of Islamic banks in Indonesia. The method used is a quantitative method and multiple regression analysis, proceed using SPSS to test normality, multicollinearity, heteroscedasticity and autocorrelation. The result of this research showed that the Capital Adequacy ratio(CAR), Non-Performing Financing (NPF), and Operating Expense Operating Income ratio (OEOI) had a significant effect on total financing. Meanwhile, Return on Asset (ROA) and Financing to Deposit Ratio (FDR) had no significant effect on the total financing of Bank Umum Syariah. Adjusted R Square value is 0.239 or 23,9%. This value shows that the percentage of the contribution of independent variables on total financing is 23.9 %.  The remaining percentages are due to other variables excluded in this model.
Pemanfaatan Electronic Banking Bagi Anggota di KSPPS BMT Bina Ummat Sejahtera Cabang Tayu Farida Fadlliatul Husna; Muhamad Mustaqim
MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): -
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i2.8496

Abstract

This paper aims to examine the utilization of electronic banking for members in KSPPS BMT Bina Ummat Sejahtera (BUS) Tayu Branch, as well as the factors that influence it. This research is included in field research with qualitative approach. The results showed that the utilization of electronic banking in BMT Bina Ummat Sejahtera is currently not fully carried out. Some members still do not use electronic banking, for several reasons such as: limited facilities, perceptiveness about e-banking that impresses, complicated, and worries about security risks. Meanwhile, factors that influence the utilization of e-banking include: member interest, desire to use, perception that includes: perception of trust, ease, and risk perception. The results of this study provide an idea that it is necessary to socialize and educate the use of e-banking, especially for the lower middle class, and rural areas.

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