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Moh. Nurul Qomar
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MALIA: Journal of Islamic Banking and Finance
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 110 Documents
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Etika Profesi Dewan Pengawas Syariah Syai'in, Syai'in
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.v2i2.4946

Abstract

Among distinction between conventional banking and Islamic banking is the organizational structure. At Islamic banking and other islamic financial institutions  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.
Persepsi Anggota Non Muslim Terhadap Pemasaran Syariah di KSPPS Ki Ageng Pandanaran Semarang Sa'diyah, Siti Rofik Atus; Rokhman, Wahibur
MALIA: Journal of Islamic Banking and Finance Vol 5, No 2 (2021): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v5i2.11925

Abstract

Penelitian ini bertujuan untuk menganalisis persepsi anggota non muslim terhadap pemasaran Islam yang diterapkan Koperasi Simpan Pinjam dan pembiayaan Syariah (KSPPS) Ki Ageng Pandanaran Semarang. Penelitian ini merupakan penelitian lapangan dengan pendekatan kualitatif deskriptif.  Sumber data penelitian ini wawancara dengan lima  anggota non muslim yang menggunakan berbagai produk jasa dan nara sumber dari dua orang pengelola  KSPPS. Hasil penelitian ini menunjukkan bahwa pemasaran Islam sangat mendorong minat masyarakat non muslim dalam bergabung menjadi anggota. Pemasaran Islam yang ditawarkan antara lain: kesuaian produk-produk yang ditawarkan dengan kebutuhan anggota,  akad yang diterapkan secara terbuka dan adil, sikap jujur, transparan, serta  memberikan pelayanan yang baik di KSPPS Ki Ageng Pandanaran Semarang. Penelitian ini memiliki kontribusi praktis bagi manajerial lembaga keuangan mikro syariah dalam memperluas pasar tidak hanya dari kalangan muslim tetapi juga non muslim.
Stres Kerja, Kompetensi, Kompensasi dan Pengaruhnya Terhadap Kinerja Karyawan dengan Motivasi Sebagai Variabel Intervening Vera Subchanifa, Dian Pujiatama; S, Surepno; Istiqomah, Nugraheni
MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): -
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i2.8868

Abstract

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.
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 : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i1.4762

Abstract

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.
Upaya Penanganan Pembiayaan Mudharabah Bermasalah Di KSPS BMT Logam Mulia Klambu Grobogan Tyas, Lu’lua Nur Rizkianing; Arifin, Jaenal
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8420

Abstract

According to Saeed Mudharabah Financing Practices will encounter many problems in Islamic financial institutions, one of which is non-performing financing. This study seeks to describe the practice of mudharabah financing and the efforts to handle problematic mudharabah financing at KSPS BMT Logam Mulia. This study uses a qualitative method with a field research approach. To track data, researchers conducted observations and interviews as well as documentation according to the themes discussed. The informants selected by the researchers were managers and employees of the KSPS BMT Logam Mulia Klambu to conduct interviews in the data search process. First, the practice of mudharabah financing at KSPS BMT Logam Mulia Klambu runs as the mudharabah practice in sharia financial institutions, both banks and Islamic cooperatives. Second, the settlement of problematic mudharabah financing. KSPS BMT Logam Mulia prioritizes the principle of kinship and tries to avoid collateral execution or legal channels.
PERMASALAHAN PEMBIAYAAN PADA LEMBAGA KEUANGAN SYARIAH Gunawan, Karebet
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3985

Abstract

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
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.
Leverage, Ukuran Dewan Komisaris, Ukuran Dewan Pengawas Syariah dan Pengaruhnya Terhadap Pengungkapan Islamic Social Reporting (ISR) Murdiansyah, Isnan
MALIA: Journal of Islamic Banking and Finance Vol 5, No 1 (2021): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v5i1.10543

Abstract

The purpose of this research is to find out the influence of leverage, size of the board of commissioners and sharia supervisory board toward the disclosure of Islamic Social Reporting (ISR) at Sharia Commercial Bank in Indonesia during 2017-2019 and test it. Purposing sampling is the technique that been used in this research with the samples 12 Sharia Commercial Bank during 3 years observation respectively with the result obtained 36 samples. The analysis technique used in this research was multiple regressions. The analysis result shows that leverage has no significant influenced toward the disclosure of Islamic Social Reporting (ISR), size of the board of commissioners has a positive significant influenced toward the disclosure of Islamic Social Reporting (ISR) and syaria supervisory board has no significant influenced toward the disclosure of Islamic Social Reporting (ISR).  
PENGARUH RASIO KESEHATAN BANK TERHADAP VOLUME PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA Andriyanto, Irsad; Prastika, Aprilia Inge
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.v2i1.4812

Abstract

This research aimed to analyze the effect of financial ratios on financing successfully channeled by Sharia Commercial Banks in Indonesia in 2015- 2018. The bank's ratio is measured through CAMELS ratios (Capital, Asset Quality, Management, Earning, Liquidity, Sensitivity to Market Risk) for each aspect. Capital aspects are measured using the Capital Adequacy Ratio (CAR), asset quality (Asset Quality) is measured using Non Performing Financing (NPF), profitability (Earning) is measured using Return on Assets (ROA) and Operational Expenses to Operating Revenues (BOPO ), and liquidity (Liquidity) is measured using Financing to Deposit Ratio (FDR). The samples are 13 Sharia Commercial Banks with the observation period from January 2015 till May 2018. The data obtained through Sharia Banking Statistics (SPS) are then processed by multiple linear regression analysis. The results showed that the NPF and BOPO had a negative effect on the financing volume of sharia commercial banks, while ROA had a positive effect. In other way, the CAR and FDR have no significant effect on the financing volume of sharia commercial bank. This is because the capital is used to cover troubled financing and to maintain public trust
Analysis of Financial Ratio That Affecting Total Financing of Bank Umum Syariah In Indonesia Ulfa, Zerlinda Tharifah; Purwanto, Purwanto
MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): -
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i2.9135

Abstract

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.

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