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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 156 Documents
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Ta’widh dan Ta’zir Persepektif Mufassir Klasik dan Implementasinya di Bank Syariah Syaifullah, Hamli
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.v5i1.10196

Abstract

Al-Qur'an as one of the sources of Islamic law is important to interpret. So that there is an interpretation of the al-Qur'an by an interpreter, making it able to be understood by mankind. In this regard, it becomes very relevant if the implementation of ta'widh in Islamic Banks is to be known from the perspective of the commentators. Thus, whether the application of ta'widh in Islamic banking has actually been in accordance with the maqashid of the existence of the al-Qur'an itself, which is always in accordance with the times, or is it even contradictory. Therefore, the author tries to make the views of two classical commentators, namely: Al-Baidawi in Tafsir Anwar al-Tanzil Wa Asrar al-Ta'wil and Al-Razi in Tafsir Mafatihul Ghaib relating to verses that are considered relevant to the application at a shariah bank.
Pengaruh Kinerja Keuangan Terhadap Harga Saham PT. Krakatau Steel Tahun 2015-2019 Trisbiani, Meyda Dewi; Rizqiyah, Amanatur; Novita, Amira Dian
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.v4i1.8451

Abstract

PT. Krakatau Steel which is engaged in steel production has experienced a decline in financial performance. From this incident, the company has a large amount of debt and declining corporate profits. This study aims to determine the effect of Return on equity, and Debt to equity ratio on stock prices on the IDX. The population and sample in this study are the financial statement data of PT. Krakatau Steel 2015-2019. The data collected in this study uses how to download the company's Annual Report that we obtained from the official website of IDX. Analysis of the data used in this study uses the classic assumption test, multiple linear regression test, and hypothesis testing with the SPSS application program. The results of this study are the Return on equity variable, and the Debt to equity ratio has no significant effect on stock prices.
Analisis Kinerja Reksadana Saham Syariah Di Pasar Modal Indonesia Menggunakan Metode Sharpe, Treynor, Dan Jensen Periode 2017-2018 Abdul Hamid, Ahmad Karim; Cahyadi, Iwan Fahri
MALIA: Journal of Islamic Banking and Finance Vol 3, No 2 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i2.8408

Abstract

This research aims to find out the performance of sharia stock mutual funds in the Indonesian Capital Market based on sharpe, treynor and jensen methods and to find out the comparison of the performance of sharia stock mutual funds with benchmark performance in the research period of 2017-2018. This type of research is evaluative research with a quantitative approach. The population in this study includes all sharia mutual funds registered and still active in the Financial Services Authority (OJK) until December 2018. Sampling techniques used purposive sampling techniques and obtained 23 sharia stock mutual funds as a research sample. Data analysis techniques are descriptively analyzed, the data obtained is collected and then processed with the appropriate formulas on the operational definition of measurement and research variables. Data analysis techniques are descriptively analyzed, the data obtained is collected and then processed with the appropriate formulas on the operational definition of measurement and research variables. To make data processing easier using microsoft excel programs.  Based on the analysis of islamic stock fund performance data according to sharpe method in 2017 there are 7 sharia stock mutual funds that show positive performance, and in 2018 there were 3 sharia stock mutual funds showing positive performance. Meanwhile, according to treynor method in 2017 there were 7 sharia stock mutual funds that showed positive performance, and in 2018 there were 3 sharia stock mutual funds that showed positive performance. Meanwhile, according to jensen method in 2017 there are 6 sharia stock mutual funds that showed positive performance, and in 2018 there were 5 sharia stock mutual funds that showed positive performance. Based on the results of the comparison of the performance of sharia stock mutual funds with benchmarks in the period 2017 according to sharpe method there are 5 sharia stock mutual funds that have outperform performance, and in the period 2018 there are 3 sharia stock mutual funds that have outperform performance. Meanwhile, according to treynor method in 2017 there are 1 sharia stock mutual fund that has outperform performance, and in 2018 there are 20 sharia stock mutual funds that have outperform performance. While according to jensen method in 2017 there are no sharia stock mutual funds that have outperform performance, and in the period 2018 there are 23 sharia stock mutual funds that have outperform performance. And there are 2 sharia stock mutual funds that consistently perform best against market performance during the research period, namely Sucorinvest Sharia Equity Fund sharia stock mutual fund and Sharia Pacific Saham Syariah stock fund.
Stres Kerja, Kompetensi, Kompensasi dan Pengaruhnya Terhadap Kinerja Karyawan dengan Motivasi Sebagai Variabel Intervening S, Surepno; Vera Subchanifa, Dian Pujiatama; 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.
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.
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).  
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.
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.
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.
Bank dan Lembaga Keuangan Syariah Dalam Perspektif Al-Qur’an Maharani, Dewi; Hidayat, Taufiq
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.

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