cover
Article Per Year (5 Year)
All
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
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
 5   6   7   8   9 
Dampak Kesesuaian Syariah dan Variabel Lainnya Terhadap Tingkat Underpricing pada Penawaran Saham Perdana di Indonesia Rumanto, Agep
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 Afandi, Ahmad; Haryono, Slamet
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 Khalimah, Nur; Gunanto, Edy Yusuf Agung
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 Puspaningrum, Febriana Endah; Indriyani, Fany
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 Pratiwi, Yunita Indah; Nabila, Rifda
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.
The Role of Micro Waqf Bank through Joint Liability Qard Financing in MSME Empowerment Hadi, Solikhul; Raunaqa, Yoga
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.v6i1.15019

Abstract

This study aims to describe: (1) how the implementation of the practice in empowering MSMEs at the Assa Berkah Sejahtera Kudus Micro Waqf Bank, (2) how the results of qardh financing and the results of the practice of joint responsibility financing in empowering MSMEs by the Assa Berkah Sejahtera Kudus Micro Waqf Bank, and (3) the inhibiting factors for financing the practice of joint responsibility at the Assa Berkah Sejahtera Kudus Micro Waqf Bank and what are the solutions to overcome these inhibiting factors. This research is a type of field research (field research). The approach used by researchers in this study is qualitative research. Sources of data in this study are primary data and secondary data. Primary data sources are managers, as well as several customers of the Assa Berkah Sejahtera Micro Waqf Bank. Meanwhile, secondary data sources are library books and documentation. Based on the results of the research obtained, this study shows that: (1) The implementation of the practice of joint responsibility is going well using a qardh contract and has succeeded in being a solution for customers who have difficulty paying the installments for the repayment of business capital. (2) The results of qardh financing are an increase in business and an increase in income, while the results of the practice of joint responsibility for empowering MSMEs are creating a sense of kinship and responsibility among members (3) The inhibiting factor is the lack of concern and a sense of responsibility with several prospective customers who are still selfish alone. The solution to overcome the inhibiting factors is to hold mandatory group training for five consecutive days with one of the materials, namely the practice of joint responsibility financing.
Customer Interest in Using BSI e-Banking During the Covid-19 Pandemic: Relationships Between Benefit Perceptions, Trust, and Personal Attitude Dewi, Siska; Hidayati, Athi'; Qomar, Moh Nurul
MALIA: Journal of Islamic Banking and Finance Vol 6, No 2 (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.v6i2.13810

Abstract

The phenomenon of the COVID-19 pandemic motivates this research, as it shifts people's lifestyles to a cashless society, resulting in an increase in e-banking growth during the pandemic period. The goal of this study is to see how perceived benefits, trust, and personal attitude affect interest in using BSI e-banking during the COVID-19 pandemic. This research method employs quantitative methods as well as sampling techniques with secondary objectives. This study was conducted in Kudus city, with respondents being BSI e-banking users. The data was gathered through the use of a questionnaire, which was distributed to 96 respondents. The findings revealed that during the COVID-19 pandemic, the benefit perceptions, trust, and personal attitude all had a positive and significant effect on interest in using e-banking. Because the COVID-19 pandemic has not yet ended, e-banking will continue in the future. So, service providers like BSI must increase these deciding factors to encourage long-term use. They can do this by making users happier with the benefits of the product and by showing high integrity to build trust. This will give users a good attitude that makes them want to keep using the product
Fraud at Islamic Commercial Banks in Indonesia is Seen in Good Corporate Governance (GCG) and a Whistle-Blowing System Siregar, Erwin Saputra; Sari, Gusmila; Arsa, Arsa
MALIA: Journal of Islamic Banking and Finance Vol 6, No 2 (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.v6i2.14627

Abstract

This article discusses the dynamics of internal irregularities in Islamic commercial banks in Indonesia. This paper uses secondary data for 2017-2020, published annually by Islamic commercial banks. The sample of this study consisted of 10 Islamic commercial banks, which were determined based on the criteria and the availability of existing data. The data analysis is in the form of panel data regression analysis with the help of eviews and excels applications. This study indicates that partially the proportion of independent commissioners has a significant positive effect on fraud, and the variable number of audit committee meetings and the whistle-blowing system has no significant adverse effect on fraud. While simultaneously, the variable of good corporate governance with indicators of the proportion of independent commissioners, the number of audit committee meetings, and the whistle-blowing system have a significant positive effect on fraud in Islamic commercial banks in Indonesia for the 2017-2020 period.
The Measurement of The Financial Performance of Islamic Commercial Banks in Indonesia With The Maqashid Sharia Index and Comparative Performance Index Approach Bahri, Efri Syamsul; Zam-zamiyah, Frida Tis’a; Nasution, Nursanita
MALIA: Journal of Islamic Banking and Finance Vol 6, No 2 (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.v6i2.16634

Abstract

This study aims to measure the financial performance of Islamic commercial banks in Indonesia with the Maqashid Sharia Index and Comparative Performance Index. The research design uses quantitative data using numerical data. Data were obtained from 5 Islamic commercial banks using the purposive sampling method from 2016-2019. The data analysis used the Maqashid Syariah Index and the Comparative Performance Index. This study found that Bank Rakyat Indonesia Sharia (BRIS) with the highest achievement of the Maqashid Syariah Index was 1.0881. Then, Bank Sharia Mandiri (BSM) has the lowest achievement, with a value of 0.9238. Based on the CAMEL measurement, the bank with the highest achievement was Bank Negara Indonesia Sharia (BNIS), 144.87%. At the same time, the lowest achievement was Bank Muamalat Indonesia (BMI) at 55.61%. Therefore, the merger of BSM, BNIS, and BRIS, is expected to improve the performance of the maqashid sharia index and Comparative Performance Index. Likewise, Bank Muamalat, as the first pure sharia bank, can rise and improve the performance of the sharia maqashid index and CAMEL.
Testing The Effect of Islamic Financial Inclusion, Infrastructural Quality on Economic Growth in Nigeria: New Insight From Bootstrap and Non-Linear ARDL Sani Ibrahim, Saifullahi; Sanusi, Hussaina
MALIA: Journal of Islamic Banking and Finance Vol 6, No 2 (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.v6i2.16594

Abstract

Inclusive growth can hardly be achieved without improvement in the inclusive finance that would enable the vulnerable households to become key economic players. While efforts are now shifted towards the Islamic financial inclusion based on the realization of weakness of traditional financial inclusivity, the impact of Islamic financial inclusion particularly, its pathways of bridging infrastructural gaps and growth drive have been partially explored. This study examines the effect of Islamic financial inclusion, infrastructural quality on economic growth in Nigeria. The study uses monthly data covering from 2017 until 2020 which was analyzed via a newly developed Bootstrap Autoregressive Distributive Lag. The results reveal a number of findings. First, the result of bootstrap autoregressive distributed lag demonstrates that there is strong co-movement between economic growth, Islamic financial inclusion, Sukuk and infrastructural quality. This finding points to the existence of a strong positive relationship between Islamic financial inclusion, infrastructural quality and economic growth in Nigeria. Second, results from nonlinear models have revealed that Islamic financial inclusion and Sukuk have asymmetric effects on economic growth. This asymmetric pattern reinforces the claim that Islamic financial inclusion can play a dedicated role in ameliorating economic downturn. Third, the results of nonlinear causality reveal strong bidirectional causality Islamic financial inclusion, economic growth and Sukuk. In this sense, inclusive Islamic finance could play a dedicated role to help countries in overcoming economic recession.

Page 7 of 11 | Total Record : 110

 5   6   7   8   9 

Filter by Year

2017 2026


Reset
Filter By Issues
All Issue Vol 10, No 1 (2026): MALIA: Journal of Islamic Banking and Finance Vol 9, No 2 (2025): MALIA: Journal of Islamic Banking and Finance Vol 9, No 1 (2025): MALIA: Journal of Islamic Banking and Finance Vol 8, No 2 (2024): MALIA: Journal of Islamic Banking and Finance Vol 8, No 1 (2024): MALIA: Journal of Islamic Banking and Finance Vol 7, No 2 (2023): MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance Vol 6, No 2 (2022): Malia: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance Vol 5, No 2 (2021): Malia: Journal of Islamic Banking and Finance Vol 5, No 1 (2021): Malia: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): - Vol 4, No 1 (2020) Vol 3, No 2 (2019) Vol 3, No 1 (2019) Vol 2, No 2 (2018) Vol 2, No 1 (2018) Vol 1, No 1 (2017) More Issue