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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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Karakteristik Pembiayaan dan Non Performing Finance Perbankan Syariah 2015â€“2018 Putra, Rosyid Nur Anggara
MALIA: Journal of Islamic Banking and Finance Vol 3, No 1 (2019)
Publisher : MALIA: Journal of Islamic Banking and Finance

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.

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 : MALIA: Journal of Islamic Banking and Finance

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

THE EFFECT OF CUSTOMER VALUE DIMENSIONS TO DESCRIBE CUSTOMER SATISFACTION AND BEHAVIORAL INTENTION OF SHARIA BANKS IN INDONESIA Budiyono, Iwan; Murtiasri, Eka
MALIA: Journal of Islamic Banking and Finance Vol 2, No 1 (2018)
Publisher : MALIA: Journal of Islamic Banking and Finance

This study examines the relationship of customer value (CV) dimension added with the spirituality dimension to the satisfaction (KPN) and its impact on the Behavior Intention (BI) of the customers in Sharia Bank savings in Indonesia. Using a customer value approach that consists of: functional, social, emotional and spiritual. The sample consists of 41 people from the Sharia Bank savings of sharia bank population in Indonesia. Samples were collected through the spread of an online questionnaire. The method used is Multiple Linear Regression using SPSS 23 program. The result shows that there is positive influence of customer dimension to customer satisfaction, positive influence of customer value dimension toward behavioral intention and positive influence between customer satisfaction toward behavioral intention.

BANK SYARIAH DALAM PERSPEKTIF FILOSOFIS,YURIDIS DAN SOSIOLOGIS BANGSA INDONESIA Supriyadi, Ahmad
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : MALIA: Journal of Islamic Banking and Finance

Â Islamic bank is a financial institution that is essential for the people of Indonesia as an institution that is able to portray a welfare society with its products when it is implemented consistently. But the understanding of Islamic banks in the community is still in doubt because of Islamic bank same as conventional banks. Improper understanding of it can be explained by the philosophical, juridical and sociological.Islamic banking is a bank in its operations based on Islamic principles both in raising funds and mudaraba wadiah principles; in financing the purchase using the principles of Murabaha, salam and istishna; the issuing bank services products sharia apply the principle of al-wakalah,al-Hiwalah,al-qardh,al-kafalah, and al-Rahn. Three products when viewed legally has implemented of Constitution Number 21 concerning Islamic banking, and in a philosophical perspective in accordance with Pancasila, grand norm Constitution the 1945 and the Quran-Hadith, whereas in sociological perspective these principles have been entrenched in Indonesian society cooperation in agriculture "maro, mertelu" in livestock typically "mertelu", so it is said that the sociological principles of Sharia have been popular in Indonesia society.Keywords:philosophy,juridical,sociology.

Association Analysis Of Gender, Job Type, Education Level, Income Level, Religion And Spirituality Levels Against The Type Of The Selected Bank Community In Indonesia Bakri, Adzan Noor
MALIA: Journal of Islamic Banking and Finance Vol 3, No 1 (2019)
Publisher : MALIA: Journal of Islamic Banking and Finance

This study aims to analyze and explore the relationship of demographic aspects of society, including gender, education level, income level, occupation, religion, and spiritual level towards the types of banks that used by the people of Indonesia. The research method used is descriptive quantitative method withÂ correspondence analysis technique.Â 200 communities have been chosen as a sample. They are the customers of conventional banks, sharia banks, orÂ both of them. The results of this study argueÂ that, not all demographic aspects of society have association or relationship with the type of bank selected by respondents. Only religion and spiritual level aspects have real associations. Muslim respondents are more likely to choose Islamic banks than non-multifarious respondents. Respondents with high spiritual level tend to be associated with sharia banks rather than low ones. This research can be used for the marketing designer as one of the basic determines for the marketing strategy of the bank.

Efektivitas Monopoli Akad Syariah (Monasy) Sebagai Media Pembelajaran Literasi Keuangan Syariah Bagi Mahasiswa Hidayati, Athiâ€™; Mahfudiyanto, Mahfudiyanto
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : MALIA: Journal of Islamic Banking and Finance

This study aims to: developing Islamic monopoly contract learning media in muamalah fiqh courses. This study uses a research and development model with a procedure that is simplified into three stages according to the ADDIE model (Analysis, Design, Development or Production, Implementation, Delivery and Evaluation).Design (conversion of the functions of the general monopoly component to the Islamic monopoly contract and designing media designs before being made using Corel Draw X5), Development or Production (based on the design that has been made on paper, the researcher made a monopoly Islamic contract (monasy) learning media with Corel Draw X5 and validated the material test, media test). Effektivitas of monopoly Islamic contract (monasy) learning media according to material experts and media experts is "feasible" to be used as Islamic financial literacy learning media.

ANALISIS PENGARUH ROA,ROE,BOPO,DAN SUKU BUNGA TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH Cahyani, Wulandari Nur; Falah, Syaikhul; Wijayanti, Ratna Yulia
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 the influence of ROA, ROE, BOPO, and the Interest Rate on the rate of profit sharing Mudharabah deposits. The population in this study were allIslamic Banks in Indonesia which consists of 11 Islamic Banks.The selection of the sample in this study is purposive sampling according to the criteria set out which are Islamic Banks that published complete financial statements quarterly of the period 2011-2013. The analytical method used is multiple linear regression analysis to examine the relationship / influence of one variable to another variable. The results showed that ROA, ROE, BOPO, and the interest rate affect the level of profit sharing mudharabah deposits simultaneously. Partially, ROA and interest rate do not affect the level of profit sharing mudharabah deposits which is shown by significant value which is greater than 0. 05. While the ROE variable has significant negative influence and the BOPO has significant positive influence on the rate of profit sharing mudharabah deposits. Keywords:assets,equity,sharing

Marketing Mix-7P dan Religi Terhadap Keputusan Menjadi Nasabah (Survey Pada PT. Bank BRISyariah KCP Wahid Hasyim Jombang) Saâ€™adah, Haqiqotus; Sopingi, Imam
MALIA: Journal of Islamic Banking and Finance Vol 3, No 1 (2019)
Publisher : MALIA: Journal of Islamic Banking and Finance

This study aims to test how far the decision to become a customer or customer interest in sharia banking, especially PT. Bank BRISyariah KCP Wahid Hasyim Jombang by observing customerâ€™s behaviors. There are seven factors that influence the decision to become a customer, they are product, price, place, promotion, people, process, and physical evidance called marketing mix-7p and one special factor ini this case is religion. Religious factor in this study is the image of sharia.The results showed that marketing mix-7p variables (X1) and religion variables (X2), had a positive influence. The regression equation Y = -5.792 + 0.234 + 0.644. The F test (simultaneous) showed that the marketing mix-7p variables and religion variables both had significant influences on the decision to be a customer with a significance level of 0.000 or 0%. But based on T test (partial), marketing mix-7p variables significantly influence the decision to become a customer of 0,000, while religious variables significantly influence the decision to become a client of 0.001. The contribution of marketing mix-7p and religion variables to the decisions to become customers is shown by the coefficient of determination that has been equaled 0.783 means that the marketing mix-7p and religion influence the decision to become a customer of 78.3% while sisahnya by 22% influenced by other variables outside the model Used by researchers.And the result of this research get R = 0,885 show R almost close to number 1, meaning between marketing mix-7p and religion variable to decision become customer have influence.

Mudharabah Sebagai Produk Pembiayaan Perbankan Syariah Perspektif Abdullah Saeed Qomar, Moh. Nurul
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : MALIA: Journal of Islamic Banking and Finance

The aim of this research is to explore Abdullah Saeed's views on the practice of mudharabah contracts in Islamic banking. This research uses library research method and use a research to life history approach. Saeed's findings in the practice of mudharabah contracts in Islamic banking have constraints starting from capital, management, the validity period of contracts, guarantees, profit and loss principles that are different from the concept of mudharabah that develops in the science of fiqh. Abdullah Saeed concluded that the mudharabah contract in Islamic banks was different from the mudharabah contract that developed in the science of fiqh.

PENILAIAN KINERJA SOSIAL BERBASIS MAQASID SYARIAH PADA BANK UMUM SYARIAH HASIL KONVERSI DI INDONESIA Amaroh, Siti
MALIA: Journal of Islamic Banking and Finance Vol 2, No 1 (2018)
Publisher : MALIA: Journal of Islamic Banking and Finance

This paper aims to evaluate the social performance based on maqasid shariah of Islamic banks from conversion mode in Indonesia during the period 20142017. The data was obtained from Islamic banksâ€™ annual report that was validated by Bank Indonesia and Financial Services Authority. Maqasid shariah model in this study was developed by Abdul Majid Najjar with used 4 objectives and 8 dimensions and then referred by some researchers with some elements and measurements. This research is using 23 elements and derived into 19 ratios and 46 statements to determine scores of each objectives. The result showed several findings. Bank Panin Syariah achieved the highest scores of safeguarding human value (1st objective) during the period 2015-2017. Bank Central Asia Syariah reached the highest scores of safageuarding human self (2nd objective) during the period 2015-2017. Bank Mega Syariah Indonesia attained the highest scores of safeguarding for society (3rd objective) during the period 2014-2017. Bank Syariah Mandiri gained the highest score of safeguarding physical environment (4th objective) for the period 2014, 2016, and 2017. The highest total score for the overall objective is achieved by Bank Mega Syariah Indonesia during the period 2015-2017.

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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

Abstract

Abstract

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