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INDONESIA
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Published by Sekolah Tinggi Agama Islam Negeri Kudus
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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 Citra Bank, Kualitas Pelayanan, Kepercayaan Nasabah, Penanganan Keluhan, Dan Kepuasan Terhadap Loyalitas Nasabah Pada Bank Sumsel Babel Kantor Capem Syariah UIN Raden Fatah Palembang Batin, Mail Hilian
MALIA: Journal of Islamic Banking and Finance Vol 3, No 1 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i1.5600

Abstract

The purpose of this study is to determine the effect of variable bank image, service quality, customer trust, handling complaints, and satisfaction with customer loyalty. Islamic Bank SUMSEL BABEL of UIN Raden Fatah Palembang. The Source of Data taken is primary data through questionnaires to 100 respondents using purposive sampling. The results showed that the bank image variable, service quality, customer trust, and complaint handling had a simultaneous effect on customer loyalty, as evidenced by the significance value of 0,000 <0,05. While the partial test can be concluded that the bank image variable (X1) has a positive effect on customer loyalty (Y), this is evidenced by a significance value of 0.006 <0.05. Service quality variable (X2) does not affect customer loyalty (Y), this is evidenced by the significance value of 0.997> 0.05. The variable customer trust (X3) has a positive effect on customer loyalty (Y), this is evidenced by the significance value of 0.003 <0.05. The complaint handling variable (X4) has a positive effect on customer loyalty (Y), this is evidenced by the significance value of 0.009 <0.05. Satisfaction variable (X5) has a positive effect on customer loyalty (Y), this is evidenced by the significance value of 0.021 <0.05
Pengaruh Ukuran Perusahaan, Profitabilitas, Leverage, Efisiensi Biaya, Dan Umur Perusahaan Terhadap Islamic Social Reporting (ISR) Pada Perbankan Syariah Di Indonesia Prasetyoningrum, Ari Kristin
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i2.4780

Abstract

Islamic Social Reporting (ISR) is one of the indices of social responsibility disclosure whose indicators refer to Islamic ethical principles. Islamic banking operates according to Islamic principles, so ISR disclosures in Islamic banking should be within the corridor of Islamic values. This study aims to identify the factors that affect the disclosure level of Islamic Social Reporting (ISR) in sharia banking in Indonesia. Factors studied in this study are company size, profitability, leverage, efficiency and age of the company. The result of the research shows that the factor of financial factor in this research is firm size (SIZE), Profitability (ROA), Leverage (DER) and Cost Efficiency (BOPO) proved not significant influence to ISR, while Company Age factor (AGE) is statistically proven significant effect on the ISR.
Pengaruh NPF, NOM dan FDR Terhadap Pembiayaan Murabahah dengan DPK Sebagai Variabel Moderating Farianti, Rizki; Pramuka, Bambang Agus; Purwati, Atiek Sri
MALIA: Journal of Islamic Banking and Finance Vol 3, No 1 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i1.5665

Abstract

This study aims to determine the Non Performing Financing (NPF), NetOperating Margin (NOM) and Financing to Deposit Ratio (FDR) on MurabahahFinancing with Third Party Funds (TPF) as the Moderating Variable. Thepopulation in this study are Islamic Banks that publishes their financialstatements to Otoritas Jasa Keuangan (OJK) and each website of Islamic Banksfor the period 2013 to 2017, with a sampling technique that is purposivesampling, the samples taken were 8 Islamic Banks in Indonesia obtained wereanalyzed by moderating regression analysis technique. The results of this studyindicate that: (1) Non Performing Financing (NPF) does not negatively affectmurabahah financing at Islamic Banks; (2) Net Operating Margin (NOM) hasa positive effect on murabahah financing at Islamic Banks; (3) Financing toDeposit Ratio (FDR) has a positive effect on murabahah financing at IslamicBanks; (4) Third Party Funds (DPK) do not moderate the negative influence ofNPF on murabahah financing at Islamic Banks; (5) Third Party Funds (DPK)strengthen the positive influence of NOM on murabahah financing at IslamicBanks; (6) Third Party Funds (DPK) strengthen the positive influence of FDRon murabahah financing at Islamic Banks. The implication of this research isthe result of this study can be used as an effort to increase murabahahfinancing. To increase the amount of murabahah financing, managerial inIslamic Banks in Indonesia need to prioritize policies related to Net OperatingMargin (NOM), Financing to Deposit Ratio (FDR) and Third Party Funds(DPK).
PROFIT DISTRIBUTION MANAGEMENT PADA BANK SYARIAH fitri, fitriyana; Adriyani, Komala; Sutrisno, Catur Ragil
MALIA: Journal of Islamic Banking and Finance Vol 2, No 1 (2018)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i1.4758

Abstract

This study aims to analyze the influence of the proportion of third party funds (DPK), operational cost to operating income (BOPO), financing to deposit ratio (FDR), bank size and capital adequacy ratio (CAR) to profit distribution management at Sharia Bank. The population is all Sharia Commercial Banks in Indonesia, the period of 2012-2015. Samples were taken using purposive sampling technique. The results show that third party funds (DPK), finance to deposit ratio (FDR) and bank size have no significant effect on profit distribution management (PDM). While BOPO and capital adequacy ratio (CAR) have a significant effect on profit distribution management (PDM).
Analisis Determinan Efisiensi Bank Umum Syariah Indonesia Dengan Variabel Moderating Profitabilitas Ranaswijaya, Ranaswijaya; Agriyanto, Ratno
MALIA: Journal of Islamic Banking and Finance Vol 3, No 1 (2019)
Publisher : MALIA: Journal of Islamic Banking and Finance

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

Abstract

 
Pengaruh Dewan Pengawas Syariah dan Intelectual Capital Terhadap Pengungkapan Corporate Social Responsibility dengan Kinerja Keuangan Sebagai Variabel Mediasi (Studi Empiris Perbankan Syariah di Indonesia) Nurhikmah, Febty; Winarsih, Winarsih; Kusumaningtyas, Metta
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i2.4785

Abstract

Corporate Social Responsibility Disclosure (CSR) is the information contained in the annual report that reveals information beyond the mandatory disclosure. Measurement of CSR disclosure in the Islamic perspective using ISR index (Islamic Social Reporting) which included the accounts of reporting CSR activities according to Islamic principles. This study aims to examine the relationship of the Sharia Supervisory Board and Intellectual Capital on Corporate Social Responsibility Disclosure with financial performance as a mediating variable. The study was conducted on annual report Islamic banking in Indonesia since the year 2010-2017. The study sample of 11 Islamic banks were selected through purposive sampling technique. Data analysis techniques used in this study is SEM-PLS using software smartpls 3.0. The result showed that Sharia Supervisory Board and Intellectual Capital have related negative and not significant to Corporate Social Responsibility Disclosure. However, based on the role of financial performance variables as variables mediating the relationship between Sharia Supervisory Board with Corporate Social Responsibility Disclosure show  negative and not significantly, while the relationship between Intellectual Capital with Corporate Social Responsibility Disclosure showed positive and significant.
Karakteristik Pembiayaan dan Non Performing Finance Perbankan Syariah 2015–2018 Putra, Rosyid Nur Anggara
MALIA: Journal of Islamic Banking and Finance Vol 3, No 1 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i1.5666

Abstract

Each type of contract in financing in a Sharia Bank has differentcharacteristics. This can not be separated from the type of transaction used infinancing. This study aims to analyze the effect of financing characteristicsbased on the contract in the distribution of funds, namely: mudharabahfinancing, musyarakah financing, murabahah financing and qardh loans tofinancing risk which is proxied by the ratio of non-performing finance (NPF).The research is a quantitative associative study with the object of a shariacommercial bank in Indonesia. The sampling technique used a purposivesampling technique where the number of samples analyzed was 66 consistingof 11 Islamic Commercial Banks with the period 2011-2016. The analysisshows that mudharabah financing has a positive effect on NPF, murabahahfinancing has a negative effect on NPF. While musyarakah and qardhul hasanfinancing does not affect the NPF ratio.
Analisis Prospek Bank Syariah Dan Lembaga Keuangan Islam Dalam Memasuki Pasar Negara Inggris Cahyadi, Iwan Fahri
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i2.4944

Abstract

Globalization is a great business opportunity for the company Multi National Corporation (MNC) and Trans National Corporation (TNC) for expanding his business. Change the direction of economic policy, in particular the Shariah-based business that provides an opportunity for Islamic banking and Islamic financial institutions to expand his business in continental Europe, especially in the United Kingdom. The purpose of the research was to find out, the strategy of Islamic banks and Islamic financial institutions to enter the market in the United Kingdom and prospeknya countries in the foreseeable future. The research method used is qualitative diskriptif fenomenalogi approach i.e. we allow qualitative researchers implement and apply subjective abilities and exploratory process in interpersonalnya. As for the source of the data retrieved from the data of the secondary data source i.e. who do not directly provide data to a data gatherer, e.g. documents, journals, research, books, and Government regulations.The results showed that the market in the countries of United Kingdom Islamic business very promising in the future given the growth of the Muslim population from year to year are experiencing significant increase and economic growth in the United Kingdom 
STUDI EKSPLORASI NILAI NILAI BUDAYA DALAM KONSEP RELATIONSHIP MARKETING Ningsih, Ekawati Rahayu; Darmalaksana, Wahyudin
MALIA: Journal of Islamic Banking and Finance Vol 2, No 1 (2018)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i1.4761

Abstract

Tujuan penulisan ini adalah untuk mengeksplorasi teori terkait dengan hubungan antara nilai-nilai budaya konsumen dengan potensi membangun pemasaran hubungan. Penelitian tentang hal ini penting karena pada saat ini para pelaku bisnis harus menyadari bahwa membangun hubungan bisnis jangka panjang sangat penting untuk mendapatkan keuntungan seumur hidup. Selanjutnya, pelaku bisnis juga harus mengetahui bahwa nilai-nilai budaya hidup di masyarakat, melekat pada perilaku individu dan mempengaruhi keputusan untuk tetap berhubungan atau tidak berhubungan dengan relasi bisnisnya. Penelitian ini berbasis pada kajian berbagai teori dan hasil temuan penelitian yang terkait dengan nilai-nilai budaya dan pola-pola membangun pemasaran hubungan. Hasil dari kajian ini menunjukkan bahwa nilai-nilai budaya yang hidup di masyarakat berpotensi membangun pemasaran hubungan. Penelitian ini banyak kekurangan, diantaranya adalah hanya menggunakan data sekunder dan artikel hasil kajian teori. Tentunya hal ini menjadi keterbatasan penelitian ini yang bisa di tindaklanjuti oleh peneliti berikutnya untuk menguji secara empiris hasil temuan.
PENILAIAN KINERJA SOSIAL BERBASIS MAQASID SYARIAH PADA BANK UMUM SYARIAH HASIL KONVERSI DI INDONESIA Amaroh, Siti
MALIA: Journal of Islamic Banking and Finance Vol 2, No 1 (2018)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i1.4757

Abstract

This paper aims to evaluate the social performance based on maqasid shariah of Islamic banks from conversion mode in Indonesia during the period 20142017. The data was obtained from Islamic banks’ annual report that was validated by Bank Indonesia and Financial Services Authority. Maqasid shariah model in this study was developed by Abdul Majid Najjar with used 4 objectives and 8 dimensions and then referred by some researchers with some elements and measurements. This research is using 23 elements and derived into 19 ratios and 46 statements to determine scores of each objectives. The result showed several findings. Bank Panin Syariah achieved the highest scores of safeguarding human value (1st objective) during the period 2015-2017. Bank Central Asia Syariah reached the highest scores of safageuarding human self (2nd objective) during the period 2015-2017. Bank Mega Syariah Indonesia attained the highest scores of safeguarding for society (3rd objective) during the period 2014-2017. Bank Syariah Mandiri gained the highest score of safeguarding physical environment (4th objective) for the period 2014, 2016, and 2017. The highest total score for the overall objective is achieved by Bank Mega Syariah Indonesia during the period 2015-2017.

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