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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 100 Documents
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PENGARUH KECUKUPAN MODAL (CAR), EFISIENSI OPERASIONAL (BOPO), DAN KUALITAS PEMBIAYAAN (NPF) TERHADAP PROFITABILITAS (ROA) PADA BANK SYARIAH DI INDONESIA Suhadi Suhadi; Dewi Inaroh
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.v1i1.3988

Abstract

This study aims to determine the effect of Capital Adequacy Ratio (CAR), Operational Efficiency (BOPO), and Financing Quality (NPF), to Profitability (ROA) at Bank Syariah period 2009-2013. The sample in this research is quarterly financial report of 3 Bank Syariah (BRI Syariah,Bank Mandiri Syariah, and Bank Mega Syariah) period 2009-2013. Data analysis used classical assumption test. The result of the research shows that Operational Efficiency (BOPO) has significant effect to Profitability (ROA) with significance level of 0. 000% and tcount of 6, 900. While Capital Adequacy (CAR) and Financing Quality (NPF) did not affect the level of profitability (ROA) with the level of significance of each of 0.322% and 0.666% and t arithmetic respectively of 1,000 and 0. 435. While F test get F count equal to 20, 053 with significance level equal to 0. 000%, this indicates that Capital Adequacy Level (CAR), Operational Efficiency (BOPO), and Financing Quality (NPF), influence to Profitability (ROA). Combined independent variables of this study can explain the variability level of profitability(ROA)of Islamic banks by 49.2%.Keywords: capital,efficiency,profitability
Analisis Prospek Bank Syariah Dan Lembaga Keuangan Islam Dalam Memasuki Pasar Negara Inggris Iwan Fahri Cahyadi
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.v2i2.4944

Abstract

Globalization is a great business opportunity for the company Multi National Corporation (MNC) and Trans National Corporation (TNC) for expanding his business. Change the direction of economic policy, in particular the Shariah-based business that provides an opportunity for Islamic banking and Islamic financial institutions to expand his business in continental Europe, especially in the United Kingdom. The purpose of the research was to find out, the strategy of Islamic banks and Islamic financial institutions to enter the market in the United Kingdom and prospeknya countries in the foreseeable future. The research method used is qualitative diskriptif fenomenalogi approach i.e. we allow qualitative researchers implement and apply subjective abilities and exploratory process in interpersonalnya. As for the source of the data retrieved from the data of the secondary data source i.e. who do not directly provide data to a data gatherer, e.g. documents, journals, research, books, and Government regulations.The results showed that the market in the countries of United Kingdom Islamic business very promising in the future given the growth of the Muslim population from year to year are experiencing significant increase and economic growth in the United Kingdom 
The Role of Islamic Social Finance Through Ziswaf and BMT During The Covid-19 Pandemic Purwanto Purwanto; Fitri Nurba Sari; Mona Burasukma; Siti Nursolihah
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.v5i2.11911

Abstract

This research was conducted to explain the role of Islamic social finance through ZISWAF and BMT during the Covid-19 pandemic. This study uses qualitative methods that use library research techniques. The results of the study indicate that Islamic social finance plays an important role in dealing with declining economic conditions during the Covid-19 pandemic. The existence of ZISWAF can reduce the problem of poverty due to the Covid-19 pandemic, as well as the existence of BMT which can encourage businesses that lack capital and of course can help the government in dealing with existing problems. The role of Islamic social finance is shown by offering solutions to overcome economic problems, namely: the distribution of BLT originating from zakat collection units or from people with more income, assistance in the form of zakat, infaq, or alms; increasing waqf with cash waqf schemes, productive waqf or waqf linked sukuk waqf in order to strengthen waqf; assistance in the form of business capital to Micro, Small and Medium Enterprises (UMKM) groups experiencing crisis conditions; providing venture capital followed by a qardhul hasan loan scheme; providing understanding to increase literacy related to sharia economics and finance; sharia financial technology development. The implication is to help the welfare of the poor so that they become more capable people by providing business capital.
Peningkatan Market Share Bank Syariah Melalui Kinerja Keuangan; Antara Moderasi Efisiensi Dan Risk-Taking Behavior Abdillah Ubaidi
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.v4i2.9256

Abstract

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..
STUDI EKSPLORASI NILAI NILAI BUDAYA DALAM KONSEP RELATIONSHIP MARKETING Ekawati Rahayu Ningsih; Wahyudin Darmalaksana
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.v2i1.4761

Abstract

Tujuan penulisan ini adalah untuk mengeksplorasi teori terkait dengan hubungan antara nilai-nilai budaya konsumen dengan potensi membangun pemasaran hubungan. Penelitian tentang hal ini penting karena pada saat ini para pelaku bisnis harus menyadari bahwa membangun hubungan bisnis jangka panjang sangat penting untuk mendapatkan keuntungan seumur hidup. Selanjutnya, pelaku bisnis juga harus mengetahui bahwa nilai-nilai budaya hidup di masyarakat, melekat pada perilaku individu dan mempengaruhi keputusan untuk tetap berhubungan atau tidak berhubungan dengan relasi bisnisnya. Penelitian ini berbasis pada kajian berbagai teori dan hasil temuan penelitian yang terkait dengan nilai-nilai budaya dan pola-pola membangun pemasaran hubungan. Hasil dari kajian ini menunjukkan bahwa nilai-nilai budaya yang hidup di masyarakat berpotensi membangun pemasaran hubungan. Penelitian ini banyak kekurangan, diantaranya adalah hanya menggunakan data sekunder dan artikel hasil kajian teori. Tentunya hal ini menjadi keterbatasan penelitian ini yang bisa di tindaklanjuti oleh peneliti berikutnya untuk menguji secara empiris hasil temuan.
Dampak Kesesuaian Syariah dan Variabel Lainnya Terhadap Tingkat Underpricing pada Penawaran Saham Perdana di Indonesia Agep Rumanto
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.14942

Abstract

This study aims to analyze whether there is an effect of sharia compliance with the level of underpricing in Indonesia. In addition to sharia compliance factors, other factors are also included, namely firm size, stock offering, company age, underwriter reputation, risk factors, and market conditions. This study uses a range of IPO sample data between 2011 and 2015. The test results show that there is a simultaneous influence of the seven dependent variables, namely sharia compliance, company size, stock offering, company age, underwriter reputation, risk factors and market conditions on the level of underpricing. Only risk factors and underwriter reputation have a significant effect on the level of underpricing. While the sharia compliance factor itself which is the main hypothesis in this study has no effect on the level of underpricing in Indonesia.
Pengaruh Islamicity Performance Index dan Debt Equity Ratio Terhadap Profitabilitas dengan Intellectual Capital sebagai Variabel Moderasi Periode 2016-2020 Ahmad Afandi; Slamet Haryono
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.12600

Abstract

The purpose of this study was to determine the effect of Islamicity Performance Index and Debt Equity Ratio on Profitability with Intellectual Capital as a moderating variable. This study uses firm size as a control variable. The type of research used is quantitative research using Moderate Regression Analysis (MRA) and using secondary data in the form of panel data at Islamic Commercial Banks (BUS) for the 2016-2020 period. Data processing uses the STATA application version 12. The population in this study is Islamic Commercial Banks in Indonesia for the 2016-2020 period. The sampling technique used purposive sampling, namely using certain criteria so as to produce 7 Islamic Commercial Banks as samples. The results showed that the Profit Sharing Ratio, Zakat Performance Ratio, Director-Employee Welfare Ratio, Islamic Income vs Non-Islamic Income had no effect on Profitability. While the Debt Equity Ratio has an effect on Profitability. In addition, Intellectual Capital is not able to moderate the Profit Sharing Ratio, Zakat Performing Ratio, Islamic Income vs Non Islamic Income Ratio to Profitability and is able to moderate the Director-Employee Welfare Ratio, Debt Equity Ratio. This research is expected to be useful for banks as a source of information and references that can be used as consideration in making decisions and increasing company profitability
Analisis Efisiensi dan Produktivitas Bank Umum Syariah di Indonesia Nur Khalimah; Edy Yusuf Agung Gunanto
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.13629

Abstract

The development of Islamic Commercial Banks in Indonesia is still not optimal. It is necessary to measure efficiency and productivity to achieve predetermined targets. This study measures the level of efficiency of 12 Islamic commercial banks in Indonesia for the 2016-2018 period using DEA (Data Envelopment Analysis) and measures the level of productivity using malmquist index. The results show that the overall efficiency of Islamic commercial banks in Indonesia has decreased. The decreased because five Islamic Commercial Banks have not maximized their inputs and outputs so that inefficiency. This inefficiency is accompanied by a decrease in productivity. The results of the malmquist index show productivity in 2016-2017 is better than 2017-2018 with an increase in productivity in 2016-2017 reaching 67% and in 2017-2018 it decreased to 25%. The increase and decrease is dominated by technology companies (frontier shift). This makes technological innovation one that needs attention.
Moderasi Kepemilikan Manajerial Terhadap Hubungan Profitabilitas, Leverage, Free Cash Flow Dan Manajemen Laba Febriana Endah Puspaningrum; Fany Indriyani
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.10685

Abstract

The Purpose of this study is to see how Leverage, Return on Assets, and Free Cash Flow affect Earnings Management with Managerial Ownership as Moderation Variables in Islamic Banking in Indonesia that is registered with the OJK from 2015 to 2019. This study employs quantitative data analysis techniques such as multiple linear regression and MRA. For the period 2015-2019, this study makes use of secondary data in the form of panel data on Islamic commercial banks registered with the Financial Services Authority (OJK). The collected data is then analyzed using the Eviews 9 tool. This study's population included all Islamic commercial banks registered with the Financial Services Authority (OJK) between 2015 and 2019. Purposive sampling was used in order to obtain 12 Islamic commercial banks for the research sample, which were then selected using several criteria.According to the findings of this study, leverage, ROA, free cash flow, and managerial ownership have no effect on earnings management. The relationship between leverage, ROA, Free Cash Flow, and earnings management cannot be moderated by managerial ownership.
Pengaruh DPK, CAR, dan FDR Terhadap Pembiayaan Murabahah dengan ROA Sebagai Variabel Moderating Yunita Indah Pratiwi; Rifda Nabila
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.13369

Abstract

This study aims to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) on Murabahah Financing with Return On Assets (ROA) as a moderating variable. The population in this study is all Islamic Commercial Banks in Indonesia that publish their quarterly financial reports at the Otoritas Jasa Keuangan (OJK) and also on the official website of each Islamic Commercial Bank for the period 2016 to 2020. The sampling technique uses purposive sampling technique. and get a sample of 10 Islamic banks. And analyzed using the technique of moderated regression analysis (MRA). The results in this study are: (1) DPK has a positive and significant effect on murabahah financing. (2) CAR has no effect on murabaha financing. (3) FDR has no effect on murabaha financing. (4) ROA cannot moderate the effect of DPK on Murabahah Financing (5) ROA cannot moderate the effect of CAR on Murabahah Financing (6) ROA cannot moderate the effect of FDR on Murabahah Financing. The implications of the results of this study can be used by Islamic bank management in an effort to control the amount of financing to be distributed by taking into account the amount of Third Party Funds (DPK) obtained by Islamic banks.

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