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MALIA: Journal of Islamic Banking and Finance

syirkah
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Published by Institut Agama Islam Negeri Kudus

ISSN : 26548577 EISSN : 26548569 DOI : https://dx.doi.org/10.21043/malia.

Core Subject : Economy,

Economics, Econometrics & Finance

MALIA: Journal of Islamic Islamic and Finance publishes articles with two related to themes; Islamic banking and finance. The first major theme is the Islamic Banking. The study of Islamic banking include all submissions related to Islamic banking, be it management, marketing, accounting, product, systems, and others. Specifically theme Islamic banking translated into various examples such as the role of Islamic bank in macroeconomics, funding of Islamic banks, Islamic banks products, IT systems, e-money, and so on. The second major theme is the finance. finance includes all submissions related to Islamic finance and general finance

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan

Articles 156 Documents

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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 : MALIA: Journal of Islamic Banking and Finance

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 KingdomÂ

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 : MALIA: Journal of Islamic Banking and Finance

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.

KOMPLEKSITAS MODEL BISNIS ADAPTIF BERBASIS TEKNOLOGI DIGITAL DAN JARINGAN BISNIS INTERNASIONAL Mubarok, Muhammad Husni
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : MALIA: Journal of Islamic Banking and Finance

This paper develops a complexity of adaptive business modelson digital technology and international business network towards a sustainable competitive advantage. Furthermore, this paper aims to integrated the concept of adaptive organizational design with complex business models based on digital technology and and international business network. Adaptive organization design should change consistently with changing technological, ecological, economic, social, digital technology and international business networks.Theoretical basis of the concept of business model and relate it to elements of business model, digital technology and international business network. The complexity of adaptive business models based on digital technology emphasizes the importance of building change, international business networks, developing complex and adaptive organizations for innovation in achieving sustainable competitive advantage. Keywords:complexity,adaptive,technology

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 : MALIA: Journal of Islamic Banking and Finance

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).

Faktor-Faktor Yang Mempengaruhi Keputusan Non Muslim Menjadi Anggota Pada KSPPS Fastabiq Khoiru Ummah Pati Hana, Kharis Fadlullah
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : MALIA: Journal of Islamic Banking and Finance

The purpose of this study was to find out what factors influence the decision of non-Muslims to become members of the Savings and Loans Cooperative (KSPPS) Fastabiq Khoiru Ummah Pati. Cooperatives are joint business entities that move to improve the welfare of their members based on sharia principles. The sharia cooperative is a new instrument in financial institutions in Indonesia, but its development has experienced a very significant increase. From the data of the Indonesian Central Bureau of Statistics, it was stated that there were 498 business entities in the form of sharia cooperatives spread across various provinces throughout Indonesia. This is influenced by the high interest of the community to become members of both Muslim and non-Muslim circles. The situation is interesting to note that cooperatives based on Islamic sharia principles are also in demand among non-Muslims. Innovative services, promotions and products that are in accordance with the daily needs of the community are the things that most influence their decisions.

ANALISIS PENGARUH INFLASI, SUKU BUNGA, DAN NILAI TUKAR TERHADAP KINERJA BANK SYARIAH BUMN (Periode 2014-2017) Mufidhoh, Umrotul; Andriyanto, Irsad; Haerudin, Haerudin
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : MALIA: Journal of Islamic Banking and Finance

This study aimed to analyze empirically the effect of Inflation, Interest Rates, and Exchange Rates on the ProfitabilityÂ (ROA) of Sharia BUMN Banks in Indonesia for the 2014-2017 Period. The sampling technique used was purposife sampling with the criteria of Sharia State-Owned Banks in Indonesia presenting financial statements for the 2014-2017 period. Data is obtained based on the publication of the Financial Services Authority (OJK ), Bank IndonesiaÂ (BI), and the relevant banks for the 2014-2017 period. The sample of this study were 3 Sharia BUMN banks in Indonesia, namely BRISyariah, BNI Syariah and Bank Mandiri Syariah. The analysis technique used is multiple regression with the help of SPSS 21 software. The results showed that inflation, interest rates, and exchange rates did not have a significant effect on ROA. Nevertheless, anticipatory steps need to be prepared so as not to cause problems in the future.Keywords: inflation, interest rate, exchange rate, profitability.Â

PERAN ACCOUNT OFFICER DI LEMBAGA KEUANGAN SYARIâ€™AH (Studi Kasus di BMT Citra Mandiri Syariâ€™ah Jepara) Riyadi, Fuad; Wahyuni, Sri
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : MALIA: Journal of Islamic Banking and Finance

Â Account officer has a very important role. This role will affect the level of profit earned by a financial institution. This is because the handler of transactions that occur between the customer and the Financial Institution is in the hands of the account officer. This study aims to analyze the role of account officer in BMT Citra Mandiri Syariah in Jepara. The research data were collected through interviews with the respondents. The results of this study indicate that the role of account officer especially in BMT Citra Mandiri Syariah Jepara is very important. This role can ultimately affect the level of profit to be gained. This is because the role of account officer who handles transactions between customers with financial institutions, including the process of financing problem settlement. In the long run the role of account officer can affect the level of cutomer loyalty.Keywords:role,account officer,loyalty

Etika Profesi Dewan Pengawas Syariah Syai'in, Syai'in
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : MALIA: Journal of Islamic Banking and Finance

Among distinction between conventional banking and Islamic banking is the organizational structure. At Islamic banking and other islamic financial institutionsÂ should have a sharia supervisory board. The Shari'ah supervisory board is located in the central office and its function is to oversee the business activities of the bank in accordance with the principles of shari'ah. In carrying out its functions, the Shari'a supervisory board must follow the DSN fatwa. In the early days, members of the DPS banking were only proposed by the bank institution to DSN-MUI to obtain a decree as a ligality of their membership. Therefore at that time the syari'ah bank to propose candidates for the Shari'ah supervisory board simply chose someone who became a religious leader, cleric and ulama in the place of work of the bank.After issuing the DSN-MUI Decree No. 02 of 2000, DPS membership is made an extension of the DSN whose legality is improved in the membership mechanism through competency testing, which is in the DSN Language to attend "invitation to prospective DPS member friendship". Members of the Shari'ah Supervisory Board will get DSN certification if it has been considered to meet the standards set.

PENILAIAN TINGKAT KESEHATAN BANK SYARIAH MANDIRI: PENDEKATAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING DAN CAPITAL) Husain, Muhammad Rizky; Hikmah, Nor; Chairina, Chairina
MALIA: Journal of Islamic Banking and Finance Vol 2, No 1 (2018)
Publisher : MALIA: Journal of Islamic Banking and Finance

The purpose of this study is to analyze the health level of Bank Syariah Mandiri in the period 2012-2016 with RGEC method. This method consists of four factors. These factors are risk profile, good corporate governanc),earning and capital. This research is a descriptive study. Data analysis unit of this research is Annual Report of Bank Syariah Mandiri in the period of 2012 until 2016, this research use quantitative data with source of secondary data and analysis method of data in this research is descriptive quantitative. The results of research show that the performance decline of Bank Syariah Mandiri in 2013 is caused by increased operating expenses exceeding the increase in operating income. The performance decline of Bank Syariah Mandiri in 2014 is caused by losses suffered by Bank Syariah Mandiri resulting from a decrease in operating income accompanied by an increase in operating expenses while the total of assets increased. However, in 2015, the level of health of BSM settled in rank 3 with the title of being quite healthy, and the level of health of BSM in 2016 increased to rank 2 with a healthy predicate.

PERMASALAHAN PEMBIAYAAN PADA LEMBAGA KEUANGAN SYARIAH Gunawan, Karebet
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : MALIA: Journal of Islamic Banking and Finance

Financing of a Sharia Financial Institution is a financing based on sharia principles with agreement or agreement between the banking party and the beneficiary in return for profit or profit sharing. In the provision of financing, sharia financial institutions pay attention to the aspects that exist in the feasibility study in order to reduce the risk in the future. These aspects are production, marketing, personnel, and financial aspects include how the existing financial statements so that all financing is expected to run smoothly and can meet the level of profitability and liability. In providing financing should be seen 5C principles are: character, capacity, capital, colateral and condition of economy. Even in addition to using the 5C there are also using the first 7P Personality, Purpose, Party,Prospect,Payment,Profitability,Protectiona. Keywords:financing,feasibility,and profitablity

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Contact Name
Moh. Nurul Qomar

Contact Email
mnqomar@iainkudus.ac.id

Phone
+6281239072684

Journal Mail Official
jurnalmalia.kudus@gmail.com

Editorial Address
Jl. Ngembal Conge Kudus

Location
Kab. kudus,

Jawa tengah

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Moh. Nurul Qomar

Contact Email mnqomar@iainkudus.ac.id

Phone +6281239072684

Journal Mail Official jurnalmalia.kudus@gmail.com

Editorial Address Jl. Ngembal Conge Kudus

Location Kab. kudus, Jawa tengah INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

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Abstract

Contact Name
Moh. Nurul Qomar

Contact Email
mnqomar@iainkudus.ac.id

Phone
+6281239072684

Journal Mail Official
jurnalmalia.kudus@gmail.com

Editorial Address
Jl. Ngembal Conge Kudus

Location
Kab. kudus,

Jawa tengah

INDONESIA