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Fitranty Adirestuty
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Gedung Fakultas Pendidikan Ekonomi dan Bisnis (FPEB) Universitas Pendidikan Indonesia Gedung Garnadi Jl. Dr. Setiabudhi 229. Bandung 40154 Jawa Barat
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Review of Islamic Economics and Finance
Published by Universitas Pendidikan Indonesia
ISSN : 26567083     EISSN : 26571498     DOI : 10.17509/rief
Core Subject : Economy,
Economics, Econometrics & Finance
The aims of this Journal is to promote a principled approach to research on Islamic macroeconomics, Islamic microeconomics, Islamic development economics, Islamic monetary economics, Islamic public economics, Islamic political economics, Islamic leisure toursm, and Islamic financial technology. Review of Islamic Economics and Finance (RIEF) specializes in Islamic Economics and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines. Specifically, the journal will deal with topics, including but not limited to: Islamic macroeconomics, Islamic microeconomics, Islamic development economics, Islamic monetary economics, Islamic public economics, Islamic political economics, Islamic Leisure Toursm, and Islamic Financial Technology eetcology related concerns by encouraging inquiry into the relationship between theoretical and practical studies.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 87 Documents
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The Role of BI Rate and Operational Cost to Income of Musyarakah in PT. Indonesia Bank of Muamalat Among 2016-2019 Period Fitranty Adirestuty
Review of Islamic Economics and Finance (RIEF) Vol 3, No 1 (2020): Review of Islamic Economics and Finance (RIEF) June 2020
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v3i1.25984

Abstract

The purpose of this research is to find out how the influence of inflation on revenue sharing results from the musyarakah financing contract, and how the effect of operational costs on revenue sharing results from the musyarakah financing agreement, and how the effect of inflation and operational costs together on revenue sharing from the financing agreement musyarakah at PT. Muamalat Indonesia Bank. This research is a quantitative study. The sample used in this study is in the form of monthly financial reports of PT. Bank Muamalat Indonesia 2016-2019 period published on the official website of Bank Indonesia, the Financial Services Authority, and Bank Muamalat Indonesia by using Purposive Sampling techniques. The type of data used is secondary data. The method used in this research is associative. The analysis model used is the Normality Test, Classical Assumption Test, Multiple Linear Regression Analysis, and Hypothesis Test with a significance level of 5% or 0.05. In this study, to process the data, the author uses the application SPSS 22. The analysis results showed that variables inflation and operational costs partially have a positive and significant effect on revenue sharing from musyarakah financing. Inflation and operational costs affect the revenue-sharing from the musyarakah financing agreement. The Prob value evidences this—statistical 0,000, which is smaller than 0.05. Then the contribution of inflation and operational costs to the revenue of musyarakah financing in this study amounted to 0.419 or (41.9%). At the same time, the remaining 58.9% was explained by other variables not examined or not included in this research model.
Diversivication of Financing as an Effort to Increase Profitability at Islamic Comercial Banks in Indonesia Widia Ayu Lestari; Heraeni Tanuatmodjo; Aneu Cakhyaneu
Review of Islamic Economics and Finance (RIEF) Vol 3, No 1 (2020): Review of Islamic Economics and Finance (RIEF) June 2020
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v3i1.26054

Abstract

This study aims to see the picture and the effect of diversification of bank financing on profitability in Islamic Commercial Banks in Indonesia for the period 2013-2018. ROA profitability during the last six years has fluctuated and tends to decline. This is due to the high level of problem financing. The research method used in this research is the causality method with a quantitative approach. The population in this study is Sharia Commercial Banks in Indonesia. The method used for sampling in this research is purposive sampling with a total sample of ten BUS in Indonesia for 6 years of research. The data used is secondary data. The statistical analysis technique used in this study is panel data regression analysis using Eviews 9. The dependent variable in this study is profitability with ROA ratios. Independent variables in this study are diversification of contract type financing, financing diversification of types of use, and diversification of economic sector financing. The level of diversification in this study uses the Hirschman Herfindahl Index (HHI) formula. The results showed that the Diversification of Financing Contract Type had a negative effect on profitability, the Diversification of Financing Type of Use influenced the profitability of ROA with a positive direction, and the Diversification of Financing the Economic sector had a positive effect on profitability.
Analysis of The Relationship Coincident Economic, A Leading Economics and Regional Index Againts The Jakarta Islamic Index Mita Agustiani; Kusnendi Kusnendi; Neni Sri Wulandari
Review of Islamic Economics and Finance (RIEF) Vol 3, No 1 (2020): Review of Islamic Economics and Finance (RIEF) June 2020
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v3i1.26057

Abstract

The Islamic Sharia capital market has a literacy rate and very low inclusion, and one instrument has to fluctuate every development at IE Jakarta Islamic Index (JII). It is becoming a language interesting given Sharia Capital Market have an important role because of the biggest contributor for the assets into the Islamic finance industry Indonesia. Thus, this research aims to find out how the influence of economic indicators. Leading Economic Indicator (LEI) composed of Customer Price Index (CPI) and the value of the exchange rate, the Coincident Economic Indicators (CEI) consisting of Retail Sales and money supply (M2), and the last Regional Index where authors take first stock index in the world, i.e., Index Dow Jones Islamic market and index the Dow Jones Industrial Average with the Jakarta Islamic Index. This research analyses Vector Error Correction Models (VECM) and secondary data for 60 periods from January 2014 to December 2018. This study showed that Retail Sales, the Dow Jones Islamic market, and the Dow Jones Industrial Average Index did not affect, Money supply (M2) and a negative exchange rate effect. In contrast, the Customer Price Index (CPI) had a positive effect. The macroeconomic variables will affect the implications of this research, namely the development of the Jakarta Islamic Index (JII) price. The money supply (M2), Customer Price Index (CPI), and the exchange rate become variable, which has a big influence. In contrast, the Retail Sales, the Dow Jones Islamic Market (DJIM), the Dow Jones Industrial Average (DJIA) has influence but are not so strong. Therefore, the stability condition of the macroeconomy is stable, so the share price development of the Jakarta Islamic Index (JII) is stable and moving up.
The Effect of Marketing Mix Toward Decisions Become to A Customer BSM Gold Installment Financing Product at Bank Syariah Mandiri Branch Office of Singaparna Tasikmalaya Lina Marlina; Agus Ahmad Nasrullah; Agung Wahyu Ginanjar
Review of Islamic Economics and Finance (RIEF) Vol 3, No 1 (2020): Review of Islamic Economics and Finance (RIEF) June 2020
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v3i1.25691

Abstract

The BSM Gold Installment financing product at Bank Syariah Mandiri continues to experience an increase in the Head Office data. Still, the fact is found in Bank Syariah Mandiri Branch Office SingaparnaTasikmalaya. The number of BSM gold installment financing customers is still low and has not shown a significant increase. The author is interested in analyzing the effect of the marketing mix on becoming a customer of BSM Gold Installment financing products at Bank Syariah Mandiri branch office Singaparna Tasikmalaya. The research method used in this research is quantitative research, and the sample in this study is a saturated sample of 42 respondents. While observation, interviews, and questionnaires do the data collection technique and take data analysis techniques using descriptive data. Hypothesis testing uses correlation analysis test and regression analysis test. The results showed that the marketing mix, namely: products, promotions, places, prices, people, physical evidence, and the process had a significant effect on the decision to become a customer of BSM gold installment financing products at Bank Syariah Mandiri rcount ke rtable with n = 42 at a significance level of 1%, the results for rtable of 0.393 have been obtained. The value of rcount rtable (0.906 0.393) then H0 is rejected.
Determinant Efficiency Analysis of The National Zakat Board (BAZNAS) Regency/City in West Java Firmansyah Firmansyah; Aas Nurasyiah; Rida Rosida
Review of Islamic Economics and Finance (RIEF) Vol 3, No 1 (2020): Review of Islamic Economics and Finance (RIEF) June 2020
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v3i1.25979

Abstract

This research is intended to determine the factors that influence the efficiency of The National Zakat Board Regency/City in West Java and improve the efficiency level of The National Zakat Board Regency / City in West Java. This research uses Statistical Test Non-Parametric Method Two-Stage Data Envelopment Analysis (DEA) using the production approach and Tobit regression model. Generally, the efficiency level of The National Zakat Board in West Java is relatively good because it achieves a full efficiency value of six National Zakat Board, besides that most of The National Zakat Board in West Java reaches the point of efficiency above average. The factors that cause these inefficiencies are generally less optimal distribution. In the Tobit regression model, from used six variables is the number of employees and Amil, the number of Zakat collector units, the number of payment systems offered, the number of meetings per year, the operational costs, and the total assets, there are only two Variebel values Significant effect on the efficiency of The National Zakat Board, the variable number of meetings and total asset value.
Analysis of Capital Adequacy in PT Bank Muamalat Indonesia Through Profitability, Financing Risk, and Cost Efficiency Handika Adetama; Kusnendi Kusnendi; Aneu Cakhyaneu
Review of Islamic Economics and Finance Vol 4, No 1 (2021): Review of Islamic Economics and Finance (RIEF) June 2021
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v4i1.34318

Abstract

AbstractPurpose - Capital is the main factor for a bank to be able to develop its business growth. The fulfillment of the Bank's Minimum Capital Ratio or known as CAR is determined by the BIS (Bank for International Settlement) at 8%. This study aims to determine and analyze the factors that affect the level of capital adequacy at Bank Muamalat Indonesia. The population in this study is all data on the financial statements of PT Bank Muamalat Indonesia for the period 20012-2019, which have been published on the official website of Bank Muamalat Indonesia, Bank Indonesia, and the Financial Services Authority. The sample in this study is quarterly financial report data on the CAR, ROA, NPF, and BOPO accounts in the financial statements of PT. Bank Muamalat Indonesia in the 2012-2019 period.Methodology - The method used in this research is the descriptive-explanatory method with multiple linear regression analysis. The dependent variable in this study is the Capital Adequacy Level. The independent variables in this study are Profitability Level (ROA), Financing Risk (NPF), and Cost Efficiency (BOPO).Findings - The study results show that the level of profitability and risk of financing has a significant effect on the level of capital adequacy at Bank Muamalat Indonesia. In contrast, the cost-efficiency variable has no significant effect. Partially shows the results that the level of profitability has a significant and significant effect on the level of capital adequacy in a positive direction, financing risk has a significant and significant effect on capital adequacy in a positive direction, and cost efficiency does not affect the amount of capital adequacy in a positive direction.Keywords - Capital Adequacy, Profitability, Financing Risk, Cost Efficiency
Service Quality, Brand Image and its Impact on Customer Satisfaction Levels of Umrah Rabbanitour Travel in Bandung, West Java Rizky Maidan Ilmy
Review of Islamic Economics and Finance (RIEF) Vol 3, No 2 (2020): Review of Islamic Economics and Finance (RIEF) December 2020
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v3i2.30580

Abstract

Business competition in the service sector it is getting tighter in this era. Focus on customer satisfaction by giving good service is one of the strategies to win the market competition. Cause in creating customer satisfaction, the company must be increasing value and image from its brand. The research method is used in this research is the explanatory method, and data collection is carried out using a questionnaire. The purpose of research is to know relation or service quality influences and brand image to customer satisfaction. The finding in this study is that there is a simultaneous effect (together) between quality service variable (X1) and brand image (X2) to customer satisfaction (Y). From double regression analysis linear result is getting significance value 0,000 that its value significance level value α (0,01). The result of analysis in this research has also shown the magnitude of service quality support (X1) and brand image (X2) variable who indicated by R Square value 0,868, that is mean service quality simultaneously (together) gives support to 86,8% while the rest 13,2% influenced by other variables not examined in this study.
Waqf Literacy of Generation Z in Indonesia Rodame Monitorir Napitupulu; Hasnan Habib Harahap; Anny May Saroh Simamora
Review of Islamic Economics and Finance Vol 4, No 1 (2021): Review of Islamic Economics and Finance (RIEF) June 2021
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v4i1.34050

Abstract

AbstractPurpose - Indonesian people are recorded to have a low waqf literacy index still. In 32 provinces surveyed by the central National Zakat Agency (BAZNAS) and the Indonesian Waqf Board (BWI), only 13 provinces had moderate waqf literacy indexes, and the rest were in a low category. Meanwhile, there is no data related to the waqf literacy index in generation Z. This study aims to determine the waqf literacy index in generation Z case study at students in Faculty of Islamic Economics and Business IAIN Padangsidimpuan.Methodology - The number of samples in this study was 313 respondents. The Waqf Literacy Index is assessed in 2 dimensions: basic knowledge of Waqf and advanced knowledge of Waqf. Data is processed and analyzed by the weighted-average method in which all indicators are considered equally important.Findings - Based on the results of data analysis, it is known that the basic knowledge of the waqf score is very high, while the advanced knowledge of the waqf score is high. Waqf index literacy of generation Z in Indonesia was 83.48.Keywords - Literacy, Waqf, Understanding
The Effect of Macroeconomic Variables on the Amount of Zakat Receipts in Indonesia Siti Zubaidah; Ahmad Munawar
Review of Islamic Economics and Finance Vol 4, No 1 (2021): Review of Islamic Economics and Finance (RIEF) June 2021
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v4i1.34100

Abstract

AbstractPurpose – This study aims to explain the effect of macroeconomic variables on the number of zakat receipts in 2016-2020 at BAZNAS. Macroeconomic variables in this study consist of GDP per capita, inflation, and exchange rates.Methodology - The method used in this research is the quantitative method with multiple regression analysis models. The data used are secondary data from BI, BPS, and zakat financial reports in BAZNAS. Findings - This study indicates that the macroeconomic variables consisting of GDP per capita, inflation, and exchange rates do not affect the number of zakat receipts. The independent variables of GDP per capita, inflation, and the exchange rate can only explain their effect on the total zakat receipts of 36.91%. Other variables explain the remaining 63.09% outside of research.Keywords: GDP Per Capita; Inflation; Exchange Rate; Zakat.
Civilization in the Era of Harun Al-Rashid: The Synergy of Islamic Education and Economics in Building The Golden Age of Islam Anto Apriyanto
Review of Islamic Economics and Finance (RIEF) Vol 3, No 2 (2020): Review of Islamic Economics and Finance (RIEF) December 2020
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v3i2.30337

Abstract

This article discusses the Islamic civilization's description during the Caliph Harun Al-Rashid of the Abbasid Daula, progressing rapidly. His triumph was inseparable from the Islamic education system's synergy role, and the Islamic economic system was implemented and became a characteristic of that time. Historical records show that the Islamic civilization at that time succeeded in bringing and showing the world that Islam was a superpower that could not be taken lightly by its reign of more than 5 (five) centuries. One of the indicators of the triumph of Islamic civilization is an indicator in the rapidly developing economy, be it agriculture, trade, or industry, due to the rapid development of the world of education and research. At that time, education got much attention from the state. However, education cannot succeed without economic support. Therefore, the state gives primary attention to the people's welfare, especially those related to the education component, namely students, educators, education funding, educational facilities, and educational tools. So it is not an exaggeration if the early period of Abbasid leadership encouraged the birth of The Golden Age of Islam. 

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