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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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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 : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i1.4760

Abstract

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.
Pengaruh Exchange Rate, Inflasi, Risiko Sistematis Dan BI Rate Terhadap Return Saham Syariah Di Jakarta Islamic Index (JII) Periode 2015-2018 Abdul Jabar, Ahmad Karim; Cahyadi, Iwan Fahri
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.v4i1.8409

Abstract

This research aims to determine the effect of variable exchange rate, inflation, systematic risk, and bi rate partially on the return of sharia stocks in the Jakarta Islamic Index (JII). In addition, to know the effect of variable exchange rate, inflation, systematic risk, and BI rate simultaneously on the return of sharia stocks in Jakarta Islamic Index (JII) period 2015-2018. This type of research is quantitative research with secondary data sources. The sampling method uses the purposive sampling method. This research data uses sharia stock data listed in Jakarta Islamic Index period 2015-2018. The method of data analysis used is to use multiple linear regression analysis methods. The results of this study show that partially variable exchange rate (X1) negatively and significantly affects the return of sharia stocks with a value of t-count > t-table (2.482 > 1,998) and a significant rate of 0.016 > 0.05, while inflation also negatively and significantly affects the return of sharia stocks with a value of t-count > t-table (2,600 > 1,998) and a significant level of 0.012 < 0.05, and systematic risk (X3) affects the return of sharia stocks with a value of t-count > t-table (2.038 > 1.998) and a significant level of 0.046 < 0.05, while the BI rate (X4) negatively and significantly affects the return of sharia stocks, with a value of t-count > t-table (2.412 > 1,998) and a significant level of 0.019 < 0.05. Simultaneously indicates that the exchange rate, inflation, systematic risk, and BI rate significantly affect the return of sharia stocks with a value of F-count > F-table (2.810 > 2.52) with a significance value of 0.033.
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 : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3980

Abstract

 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 : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i1.5599

Abstract

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 with  correspondence analysis technique.  200 communities have been chosen as a sample. They are the customers of conventional banks, sharia banks, or  both of them. The results of this study argue  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.
The Effect of Relationship Marketing, Experential Marketing and Sharia Marketing Characteristics on Customer Loyalty of Sharia Bank With Customer Satisfaction as Intervening Variable Priantoro, Maulana Agung; Yudiana, Fetria Eka
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.v5i2.11800

Abstract

Loyalty is a consumer's commitment to a business model that can be in the form of a brand, store, and/or supplier due to several things that cause consumers to make long-term purchases. The data was obtained from the distribution of questionnaires by researchers to respondents. Samples were taken as many as 100 respondents. Data collection techniques by non-probability sampling. The data obtained were then processed using the SPSS20 tool. This research uses quantitative research by using multiple linear regression analysis and path analysis..The results of this study indicate that the Relationship Marketing variable has a negative and insignificant effect on Loyalty. The Experiential Marketing variable has a positive and insignificant effect on Loyalty, the Characteristics Variable of Sharia Marketing has a positive and significant effect on Loyalty. Then the Satisfaction variable has a positive and insignificant effect on Loyalty. Furthermore, the Relationship Marketing variable has a positive and significant effect on satisfaction. Furthermore, the Experiential Marketing variable has a positive and significant effect on Satisfaction, the Characteristics Variable of Sharia Marketing has a positive and insignificant effect on Satisfaction, Furthermore, Satisfaction is not able to mediate the influence of Relationship Marketing on Loyalty, the Satisfaction Variable can mediate the influence of Experiential Marketing on Loyalty, and the last variable Satisfaction is able to mediate the influence of the characteristics of Sharia Marketing on Loyalty.
Pemanfaatan Electronic Banking Bagi Anggota di KSPPS BMT Bina Ummat Sejahtera Cabang Tayu Husna, Farida Fadlliatul; Mustaqim, Muhamad
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.v4i2.8496

Abstract

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.
Efektivitas Monopoli Akad Syariah (Monasy) Sebagai Media Pembelajaran Literasi Keuangan Syariah Bagi Mahasiswa Hidayati, Athi’; Mahfudiyanto, Mahfudiyanto
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.v2i2.4781

Abstract

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.
Bank dan Lembaga Keuangan Syariah Dalam Perspektif Al-Qur’an Dewi Maharani; Taufiq Hidayat
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.v4i1.8448

Abstract

The Qur'an is the main source of Islamic teachings and is a reference for Muslims in understanding the Shari'a. In the Al-Qur'an there is no text that mentions the word bank, but in practice banking has been done since the time of the Prophet Muhammad. The Qur'an and Sunnah only provide basic principles and philosophies, and emphasize prohibitions that must be avoided. Thus, all that has to be done is to identify the things that are prohibited by Islam.
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 : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.3986

Abstract

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) Sa’adah, Haqiqotus; Sopingi, Imam
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.v3i1.8089

Abstract

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 customer’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.

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