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FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Published by Institut Agama Islam Negeri Metro Lampung
ISSN : 26214636     EISSN : 26214644     DOI : https://doi.org/10.32332/finansia
Core Subject : Economy,
Economics, Econometrics & Finance
Finansia: Jurnal Akuntansi dan Perbankan Syariah (JAPS) diterbitkan oleh Fakultas Ekonomi dan Bisnis Islam (FEBI) IAIN Metro. Jurnal Finansia diterbitkan dua kali dalam satu tahun pada bulan Maret dan September.
Arjuna Subject : -
Articles 219 Documents
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PERILAKU NASABAH DEPOSITO MUDHARABAH TERHADAP BI RATE DAN BAGI HASIL DI BANK MUAMALAT INDONESIA KANTOR CABANG PEMBANTU METRO Suci Hayati
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 1 No 2 (2018): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v1i2.1261

Abstract

Perkembangan perekonomian suatu negara bisa dilihat dari keberadaan lembaga keuangannya, karena lembaga keuangan mempunyai peranan penting terhadap perkembangan perekonomian. Nilai BI rate turun, perbankan konvensional akan menurunkan suku bunganya. Biasanya penurunan dimulai dari tingkat suku bunga dana pihak ketiga kemudian diikuti dengan tingkat suku bunga kredit. Kalau BI rate naik, beberapa bank konvensional menaikkan suku bunganya. Sedangkan bank syariah tidak bisa menaikkan suku bunga karena bank syariah menggunaka sistem bagi hasil, seberapa besar keuntungan dana pihak ketiga sangat tergantung pada seberapa besar bank mendapatkan keuntungan dari pembiayaannya. Jenis penilitian ini penelitian field research, sifat penelitian deskriptif kualitatif yaitu menggambarkan sifat sesuatu yang berlangsung pada saat penelitian. Sumber data yang digunakan adalah sumber data primer dan sumber data skunder.. Teknik pengumpulan data menggunakan wawancara, dan dokumentasi. Teknik penjamin keabsahan datanya dengan triangulasi sumber dan triangulasi teknik. Analisis datanya yang digunakan induktif yaitu menyusun secara sistematis data dari hasil wawancara, catatan lapangan, dan dokumentasi. Hasil penelitian ini menunjukkan bahwa 1) Prilaku nasabah deposito mudharabah BMI KCP Metro tidak berminat memindahkan dananya di bank konvensional pada saat tingkat suku bunga mengalami kenaikan. Prilaku nasabah BMI KCP Metro tidak sejalan dengan teori yang mengatakan bahwa tingginya minat nasabah mendepositokan dananya seiring sejalan dengan tingkat bunga. 2) Perilaku dipengaruhi faktor keuntungan yang diperoleh nasabah sesuai dengan pendapatan bank, dana dapat diambil sewaktu-waktu dengan sanksi yang sangat kecil, ingin terhindar dari riba, dana yang disimpan diputar dalam sektor riil, dan adanya kedekatan personal dan hubungan yang baik yang bisa membangun trust antara nasabah dan BMI. Prilaku nasabah bukan hanya dipengaruhi oleh aspek keuntungan saja namun adanya aspek spiritualitas nyaman karena sejalan dengan nilai-nilai Islam.
Analisis Strategi Pemasaran Bank Syari'ah Berbasis Digital FINTECH terhadap Pelayanan Nasabah Bank Muamalat KCP Metro Tri Imelda; Nurul Mahmudah; Liberty Liberty
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 4 No 2 (2021): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v4i2.3061

Abstract

Digital fintech service is a financial service innovation that uses or utilizes digital technology. Bank Muamalat KCP Metro as one of the banks that already provides digital fintech-based services, namely virtual account services, cash management system, internet banking, m-banking (M-DIN), and ATMs. The need for implementing a marketing strategy that builds customer satisfaction and trust in the service. This study aims to determine the Marketing Strategy of Bank Muamalat KCP Metro Based on Digital Fintech for Customer Service. This type of research is field research at Bank Muamalat KCP Metro. This research is descriptive qualitative. Data collection was carried out using interviews and documentation. The data sources used were primary sources through interviews with sub-branch managers, customer service, and customers of Bank Muamalat KCP Metro, while secondary sources were obtained from documentation or literature study to complement the primary data. Based on the research that has been done, it is known that Bank Muamalat KCP Metro has used several shari'ah marketing indicators, where the bank implements several components and the 7P marketing mix. The most dominant marketing strategy as a bank's existence is Promotion. Value marketing is created because of the brand, service, and process. Bank Muamalat KCP Metro is also inseparable from the three main principles of syari'ah marketing, namely devotion, simplicity and virtue. This principle is most dominantly applied by the marketing of Bank Muamalat KCP Metro, namely the Principle of Ketaqwaan. Bank Muamalat KCP Metro also needs to evaluate or improve marketing strategies related to digital fintech services, it needs continuous introduction efforts to use the system effectively and efficiently because there are still customers who do not recognize Muamalat's digital fintech services, especially virtual accounts, cash management systems, internet banking.
Apakah Leverage, Ukuran Perusahaan dan Masa Jabatan Direksi Mempengaruhi Kualitas Laporan Keuangan Bank Umum Syariah? Indriyana Puspitosari
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 2 No 2 (2019): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v2i2.1648

Abstract

financial statements have an important role for stakeholders to be able to provide information for decision making. Therefore, managers are required to be able to prepare quality financial reports. Financial statements are declared qualified if they meet the qualitative quality of financial statements. In this study trying to show the effect of leverage, firm size and tenure of directors on the quality of financial statements. The object of this study is in Islamic banks in Indonesia. The research sample consisted of 11 Islamic commercial banks with an observation period in 2013-2017. From the results of data processing, the results show that the leverage variable cannot affect the quality of islamic banks financial statements, while firm size and director tenure have a significant effect on the quality of financial statements
Analisis Pengaruh Penerapan Good Corporate Governance Terhadap Pertumbuhan Modal Koperasi carmidah, carmidah
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 3 No 1 (2020): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v3i1.2182

Abstract

The purpose of this reseach is to analyze whether the application of corporate governance principles have an influence on the performance of Cooperatives. This study was conducted on 132 Cooperatives which reported the financial reports of 2015 until 2016 to Department of Industry, Commerce, and Cooperatives of Pemalang District (DESPERINDAGKOP). The approach used was a purposive sampling. The collected data was then analyzed using multiple regressions. The result of this reseach showed that transparency, accountability, independence and fairness partially have a significant positive effect on capital growth, while responsibility does not have it. The obstacles found in this study were the financial reports which were used in only two years. Therefore, it presents far less accurate figure in relation with the performance measurement of cooperatives.
PENYAJIAN LAPORAN KEUANGAN PENGELOAAN DANA HAJI: GAGASAN YANG DAPAT DIPAHAMI PEMANGKU KEPENTINGAN Yogashwara Vidyan; Rafidah Rafidah
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 6 No 1 (2023): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v6i1.6305

Abstract

Hajj funds managed by BPKH need to pay attention to pilgrims' attention and sufficient accountability. Financial statements of Hajj financial management often get various criticisms from the public for the way of presentation and understanding that occurs in the community in reading the financial statements of Hajj funds. The research conducted is qualitative, then reviews the literature on the presentation of financial statements of similar entities. The unification of Hajj fund management reports with BPKH financial statements has been regulated in the Law of the Republic of Indonesia Number 34 of 2014 concerning Hajj Financial Management. There needs to be an easy-to-understand idea of transparency, accountability, and adequate understanding for the public to understand the Hajj fund report, namely by separating the Hajj fund management report from BPKH's financial statements as benchmarked in other fund management institutions.
Analisis Kinerja Saham Syariah Melalui Pembentukan Portofolio Optimal Metoda Markowitz Atika Lusi Tania
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 1 No 1 (2018): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v1i01.1159

Abstract

Investment in the form of shares is expected to attract more investors, this can be seen in the potential return in the Indonesia Stock Exchange is high. Investments in shares of stock do have a higher risk, but part of the risk of securities that can be eliminated is that risk can be diversified by forming a well-diversified portfolio. The Markowitz model is considered to be the best model in shaping the optimal portfolio. Furthermore, stock portfolio performance is measured using RDIV size. Sharia-compliant industries in Indonesia in recent years began to show its development by looking at the index and capitalization of its shares in the capital market. The phenomenon that occurs in sharia stocks makes investors want to measure the performance of stock portfolios by using shares in the JII index to determine investment decisions. Based on the results of data analysis, it is concluded that there are significant differences between the performance of JII in 2011 until 2015 and JII in 2010 until 2014. JII 2011 stock performance up to 2015 better than in previous years caused by several things. Prediction by the Bank that sharia finance products will be increasingly in demand. In addition, the growth of Muslim middle class not only in Indonesia but also in other countries such as one of which is growing very high that is Turkey. Keywords: Optimal Portfolio Markowitz, JII, RDIV. Abstrak Investasi dalam bentuk saham diperkirakan akan semakin menarik investor, hal ini dapat dilihat pada potensi keuntungan investasi di Bursa Efek Indonesia tergolong tinggi. Investasi dalam bentuk saham memang memiliki risiko yang lebih tinggi, namun bagian dari risiko sekuritas ada yang dapat dihilangkan yaitu risiko dapat di-diversifikasi dengan membentuk portofolio yang well-diversified. Model Markowitz dianggap sebagai model terbaik dalam membentuk portofolio optimal. Selanjutnya kinerja portofolio saham diukur menggunakan ukuran RDIV. Industri yang sesuai dengan prinsip syariah di Indonesia beberapa tahun terakhir mulai menunjukkan perkembangannya dengan melihat indeks dan kapitalisasi sahamnya di pasar modal. Fenomena yang terjadi pada saham syariah ini membuat investor ingin mengukur kinerja portofolio saham dengan menggunakan saham dalam indeks JII untuk menentukan keputusan investasi. Berdasarkan hasil analisis data, disimpulkan bahwa terdapat perbedaan signifikan antara kinerja JII tahun 2011 sampai dengan 2015 dan JII tahun 2010 sampai dengan 2014. Kinerja saham JII 2011 sampai dengan 2015 lebih baik dari tahun-tahun sebelumnya disebabkan oleh beberapa hal. Prediksi oleh Bank bahwa produk keuangan syariah akan semakin diminati. Selain itu, bertumbuhnya kelas menengah muslim tidak hanya di Indonesia namun juga di negara-negara lain seperti salah satunya yang tumbuh sangat tinggi yaitu negara Turki.
Pengaruh Likuiditas, Solvabilitas dan Profitabilitas terhadap Harga Saham di Bursa Efek Indonesiaa Morina Tarigan Sibro; Agus Defri Yando
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 4 No 1 (2021): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v4i1.2830

Abstract

The percentage rate of the client items area withinside the remaining five years has increased. The cause of this examine became to decide the impact of liquidity, solvency and profitability on inventory costs. The approach used on this studies is secondary records evaluation of the economic statements of businesses indexed at the Indonesia Stock Exchange from 2015-2019 with the aid of using figuring out non-chance purposive sampling the use of exclusion standards which will acquire 60 populations and 28 samples which will acquire a hundred and forty economic document records. The effects of the partial evaluation display that liquidity has no big impact on inventory costs with a tcount of 0.305 0.05, solvency has a big impact on inventory costs with a fee of tcount 2.398> t desk 1, 97756 and chance (Sig.) Of 0.018 <0> t desk 1.97756 and a chance (Sig.) Of 0.012 <0> 2.sixty seven from the F desk and a importance fee of 0.007
Aplikasi Single Index Model dalam Pembentukan Portofolio Optimal Saham LQ45 pada Bursa Efek Indonesia Atika Lusi Tania
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 2 No 1 (2019): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v2i01.1502

Abstract

Single Index Model is a stock return model that divides the effect on returns into a systematic factor (as measured by yields on the market index) and company-specific factors. The shares used in the formation of the portfolio of the Single Index Model are stocks included in the LQ45 Index in the Indonesia Stock Exchange because this Index has always increased from year to year. However, not all shares in the LQ45 Index can be used, there must be a determination to get the most suitable shares to be used as a portfolio. Therefore, the author uses the Single Index Model Application in the Formation of the LQ45 Optimal Stock Portfolio on the Indonesia Stock Exchange so that investors know how to form an optimal portfolio using a simpler model of the single index model. This study aims to apply the application of a single index model in the formation of a stock portfolio registered in LQ45, determine the proportion of stock investment in the number of lots based on the proportion of stock portfolios, and determine the funds needed for stock investment based on the number of lots. Based on the results of data analysis using the Single Index Model Optimal Portfolio, the results show that out of 45 stocks in LQ45, 13 optimal stocks will be purchased by investors. Thirteen shares and market prices include LPPF Rp.3,400, INTP Rp20,025, LPKR Rp274, INCO Rp3,030, PTPP Rp.2,180, SCMA Rp1,615, TBIG Rp.3,850, AALI Rp.10,350, CTRA Rp1. 070, PWON Rp725, TAXI Rp50, WIKA Rp2,340, and WSKT Rp1,970. The proportion of shares is 9% LPPF, 7% INTP, 5% LPKR, 13% INCO, 19% PTPP, 12% SCMA, 9% TBIG, 7% AALI, 4% CTRA, 6% PWON, 3% TAXI, 4% WIKA , WSKT 2%. The funds to be invested are IDR 1,000,000, the total number of shares to be purchased is 1,271 sheets, or if in the lot lot there are around 12 lots.
ANALISIS PENGARUH LEVERAGE, UKURAN PERUSAHAAN, FREE CASH FLOW, DAN OPERATING CASH FLOW TERHADAP MANAJEMEN LABA PERUSAHAAN Thyas, Nanda Ayu Cahyaning; Wijayanti, Anita; Astungkara, Agni
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 1 (2022): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v5i01.4545

Abstract

This0study aims to0determine and analyze the0effect of leverage, firm0size, free cash flow, and operating cash flow on the earnings management of the0food and beverage subsector companies0listed onitheiIndonesia Stock0 Exchange in the 2015-2018iperiod. The0population in thisistudy were 26icompanies. The technique of0determining the sample using0purposive sampling technique, so0that the final sample obtained was 12 companies. The data0used are secondary0data obtained from the financial0statements of the foodiand0beverage sub-sectoricompanies0listed on theiStock Exchange0in the 2015-20180period. The0data analysis technique used0is the classic assumption0test and multiple0linear regression analysis0with the help of the application0SPSS version 22. Basedion the resultsiof the study showed thatileverage, free cash flow and operating cash flow have noieffect on0earningsimanagement, while0firm size affects earnings management.
PENGUKURAN KEPUASAN NASABAH MELALUI KUALITAS PELAYANAN PT. BNI SYARIAH KC. CIPUTAT DENGAN METODE IMPORTANCE PERFORMANCE ANALYSIS (IPA) & METODE COSTUMER STATISFACTION INDEX (CSI) AY Maryani
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 2 No 2 (2019): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v2i2.1650

Abstract

Berdasarkan hasil penelitian perbandingan kualitas pelayanan bank konvensional dan bank syariah dinyatakan bahwa terdapat perbedaan atara nilai rata-rata kualitas pelayanan pada bank konvensional dengan bank syariah, dimana nilai rata-rata kualitas pelayanan bank konvensional lebih tinggi dibandingkan bank syariah dan berdasarkan penilaian yang dilakukan oleh Market Research Indonesia (MRI)terdapat 5 bank syariah peraih penghargaan Banking Service Excellence Awards dan BNI Syariah merupakan bank kedua yang meraih penghargaan dari Banking ServiceExcellence Awards dimana penilaian yang dinilai dari penentuan peringkat ini yaitu dengan pengukuran aspek kinerja dari staff, satpam, costumer service, dan teller. Sedangkan penilaian aspek fisik dinilai dari banking hall, kenyamanan, kinerja ATM, dan layanan e-channel (sms, mobile, internet banking).Paper ini menganalisis tingkat kepuasan pelanggan melalui kualitas pelayanan Bank BNI Syariah KCP. Ciputat. Ini menggunakan metode non probability sampling. Tingkat kepuasan diukur dengan menggunakanImportance Performance Analysis (IPA)dan Costumers Statisfaction Index (CSI).Adapun responden pada penelitian ini adalah nasabah Bank BNI Syariah KCP. Ciputat yang pernah mendapatkan layanan pada Bank BNI Syariah KCP. Ciputat Hasil penelitian menunjukkan bahwa pelanggan puas dengan layanan dari Bank BNI Syariah KCP. Ciputat dengan tingkat CSI sebesar 79,34%. Berdasarkan Importance Performance Analysis (IPA), 5 atribut dikategorikan sebagai “prioritas perbaikan”, dan 13 atribut dikategorikan sebagai “pertahankan prestasi”. Selanjutnya, ada 3 atribut yang dikategorikan “berlebihan” dan 9 atribut adalah sebagai “prioritas rendah”. Kemudian rata-rata nilai kesesuaian/selisih dari seluruh atribut pelayanan Bank Bank BNI Syariah KCP. Ciputat adalah minus 0,14.

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