MALIA: Journal of Islamic Banking and 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
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<![CDATA[Analisis Respon Kredit Dan Pembiayaan Industri Perbankan Di Indonesia ]]>
<![CDATA[Amirullah, Mulia]]>;
<![CDATA[Devi, Abrista]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.8689
<![CDATA[This study aims to measure the productive credit performance of conventional banks and profit-sharing financing for Islamic banks and analyze their responses to the shock of macroeconomic variables. In this study, the analysis method used is the Vector Auto-Regressive (VAR) / Vector Error Correction Model (VECM). The data observed in this study are monthly data from the period 2015 to 2019. The results showed that NPL (Non Performing Loan) was responding negatively to the shock of the productive credit, meanwhile NPF (Non Performing Financing) was responding positively to the shock of the profit-sharing financing. NPL have the most dominant contribution to the productive credit of conventional bank. Meanwhile, world oil prices are projected as the highest contribution to the profit-sharing financing for Islamic banks. Conventional bank productive credit affects inflation. The world crude oil price (OIP) affects the problematic financing of Islamic banks. The price of crude oil affects the exchange rate, and the exchange rate affects inflation.]]>
<![CDATA[Peningkatan Market Share Bank Syariah Melalui Kinerja Keuangan; Antara Moderasi Efisiensi Dan Risk-Taking Behavior ]]>
<![CDATA[Ubaidi, Abdillah]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.9256
<![CDATA[Conducting analysis of efficiency, risk-taking behavior and market share of Islamic Banking in Indonesia. Conducted to answer the question of the still low market share of sharia banking in the national banking industry. The presence of Sharia Banking on dual banking system is still minimal. The monthly data sample of 34 Shariah Bank in Indonesia (11 Sharia Commercial Banks, 13 Sharia Business Units) is used to test the research hypothesis for the period from 2014 to 2017 using the estimator Generalized Method of Moments. The results show that there is a significant relationship and / or influence between the efficiency, risk-taking behavior and market share of Sharia Banking in Indonesia. Effect of moderation Efficiency and Risk-Taker Behavior on Financial Performance of Sharia Banking. Research limitations/ implications - Firstly, this paper focuses only on the sharia banking industry in Indonesia that adopts pro-active models, and therefore, expanding the investigation to include countries adopting different models may provide a better and more comprehensive view of the correlation between efficiency, risk-taking behavior and market share of Sharia Banking. Secondly, there is a need for more empirical data to be used, such as 7 years or more. This paper provides empirical evidence to regulators and policymakers in Indonesia, to understand how to increase the market share of sharia banking to the national banking industry. Furthermore, the sharia banking shareholder intends to increase the market share of sharia banking as one of the pillars of sharia finance in Indonesia which continues to grow. Previous studies have only discussed financial performance, efficiency and risk-taker behaviors without linking to market share levels. Because the discussion of market share is usually monopolized marketing studies..]]>
<![CDATA[Stres Kerja, Kompetensi, Kompensasi dan Pengaruhnya Terhadap Kinerja Karyawan dengan Motivasi Sebagai Variabel Intervening ]]>
<![CDATA[S, Surepno]]>;
<![CDATA[Vera Subchanifa, Dian Pujiatama]]>;
<![CDATA[Istiqomah, Nugraheni]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.8868
<![CDATA[This study aims to obtain empirical evidence about the effect of work stress, competence, and compensation on employee performance with motivation as an intervening variable at KSPPS Fastabiq Khoiro Ummah Pati. The research method uses quantitative methods with the research sample of employees at KSPPS Fastabiq Khoiro Ummah Pati who have worked. minimum one year, amounting to 76 employees. The results showed that the work stress variable harmed employee performance. While the competency and compensation, variables have a positive and significant effect on employee performance. Job stress and competency variables do not affect employee performance which is mediated by work motivation. While the compensation variable affects employee performance mediated by work motivation.]]>
<![CDATA[Analysis of Financial Ratio That Affecting Total Financing of Bank Umum Syariah In Indonesia ]]>
<![CDATA[Ulfa, Zerlinda Tharifah]]>;
<![CDATA[Purwanto, Purwanto]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.9135
<![CDATA[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.]]>
<![CDATA[Pemanfaatan Electronic Banking Bagi Anggota di KSPPS BMT Bina Ummat Sejahtera Cabang Tayu ]]>
<![CDATA[Husna, Farida Fadlliatul]]>;
<![CDATA[Mustaqim, Muhamad]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.8496
<![CDATA[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.]]>
<![CDATA[Analisis Determinan Pelaporan Islamic Social Reporting (ISR) Pada Bank Umum Syariah Indonesia Tahun 2015-2019 ]]>
<![CDATA[Rozzi, Muhammad Fathur]]>;
<![CDATA[Bahjatullah, Qi Mangku]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.9006
<![CDATA[This study aims to determine how the influence of Profitability (GPM), Liquidity (CR), and Leverage (DER) on Islamic Social Reporting (ISR) with Company Size as a Moderating Variable, in Islamic Commercial Banks in Indonesia which are registered with the OJK for the 2015-2019 period. This research uses quantitative research, type with secondary data in the form of panels analyzed through multiple linear regression data analysis method with Moderate Regression Analysis (MRA) test using EViews 9 software. The population used in this research is Islamic Commercial Banks (BUS) in Indonesia as many as 14 Islamic banks. The sampling technique in this study was purposive sampling. The sample used as the research object was 12 BUS. Based on the results of the study, the F-test results show that Profitability, Liquidity and Leverage simultaneously affect the ISR with a positive coefficient while the T-test shows that partially Profitability and Leverage have no effect on ISR, Liquidity has a negative and significant effect on ISR. Based on the MRA test, Company Size is unable to moderate the relationship between the effect of profitability on ISR, while Company Size is able to moderate and weaken the relationship between Liquidity and ISR, and Company Size is able to moderate and strengthen the relationship between Leverage and ISR.]]>
<![CDATA[Stres Kerja, Kompetensi, Kompensasi dan Pengaruhnya Terhadap Kinerja Karyawan dengan Motivasi Sebagai Variabel Intervening ]]>
<![CDATA[Dian Pujiatama Vera Subchanifa]]>;
<![CDATA[Surepno S]]>;
<![CDATA[Nugraheni Istiqomah]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.8868
<![CDATA[This study aims to obtain empirical evidence about the effect of work stress, competence, and compensation on employee performance with motivation as an intervening variable at KSPPS Fastabiq Khoiro Ummah Pati. The research method uses quantitative methods with the research sample of employees at KSPPS Fastabiq Khoiro Ummah Pati who have worked. minimum one year, amounting to 76 employees. The results showed that the work stress variable harmed employee performance. While the competency and compensation, variables have a positive and significant effect on employee performance. Job stress and competency variables do not affect employee performance which is mediated by work motivation. While the compensation variable affects employee performance mediated by work motivation.]]>
<![CDATA[Analysis of Financial Ratio That Affecting Total Financing of Bank Umum Syariah In Indonesia ]]>
<![CDATA[Zerlinda Tharifah Ulfa]]>;
<![CDATA[Purwanto Purwanto]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.9135
<![CDATA[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.]]>
<![CDATA[Pemanfaatan Electronic Banking Bagi Anggota di KSPPS BMT Bina Ummat Sejahtera Cabang Tayu ]]>
<![CDATA[Farida Fadlliatul Husna]]>;
<![CDATA[Muhamad Mustaqim]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.8496
<![CDATA[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.]]>
<![CDATA[Analisis Determinan Pelaporan Islamic Social Reporting (ISR) Pada Bank Umum Syariah Indonesia Tahun 2015-2019 ]]>
<![CDATA[Muhammad Fathur Rozzi]]>;
<![CDATA[Qi Mangku Bahjatullah]]>
<![CDATA[ MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - ]]>
Publisher : <![CDATA[IAIN Kudus ]]>
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DOI: 10.21043/malia.v4i2.9006
<![CDATA[This study aims to determine how the influence of Profitability (GPM), Liquidity (CR), and Leverage (DER) on Islamic Social Reporting (ISR) with Company Size as a Moderating Variable, in Islamic Commercial Banks in Indonesia which are registered with the OJK for the 2015-2019 period. This research uses quantitative research, type with secondary data in the form of panels analyzed through multiple linear regression data analysis method with Moderate Regression Analysis (MRA) test using EViews 9 software. The population used in this research is Islamic Commercial Banks (BUS) in Indonesia as many as 14 Islamic banks. The sampling technique in this study was purposive sampling. The sample used as the research object was 12 BUS. Based on the results of the study, the F-test results show that Profitability, Liquidity and Leverage simultaneously affect the ISR with a positive coefficient while the T-test shows that partially Profitability and Leverage have no effect on ISR, Liquidity has a negative and significant effect on ISR. Based on the MRA test, Company Size is unable to moderate the relationship between the effect of profitability on ISR, while Company Size is able to moderate and weaken the relationship between Liquidity and ISR, and Company Size is able to moderate and strengthen the relationship between Leverage and ISR.]]>
