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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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Meta Analysis of Profitability Islamic Banking Research Sofina Mujadiddah; Diah Munawaroh; Yuyun Ma’rifatul Inayah
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.v6i2.16786

Abstract

Islamic banks are financial institutions whose operations and products are developed based on the Al-qur’an and Hadith. One of the most important things in banking is profitability. Islamic bank profitability studies are important tools for improving performance, evaluating bank operations and determining management plans to help increase the chances of a bank surviving in a competitive market. Therefore, this study aims to determine the map of research development related to the Profitability of Islamic Banking using the Meta Analysis approach. This research method uses purposive non probability sampling method, using descriptive statistics in the explanation. The data used in this study are 100 international and local journals issued from various accredited journals with the theme of profitability of Islamic banking during the 2010-2020 period. This study experienced an increase and decrease in the number of journals during 2010-2020, and the largest number of authors who discussed the theme of the profitability of Islamic banking were 2 journals. In addition, journals that publish papers on the theme of profitability are the International Journal of Economics and Financial Issues, with a total of 6 papers. During this research, the most widely used method is the quantitative method with the model used is the analysis panel data. During this study, the journal by Dietrich and Wazenried (2011) was the study with the most citation as many as 878.
Optimizing Sharia Insurance in Building Halal Value Chain Dzukroni, Arisy Abror; Afandi, Mukhamad Yazid
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.v6i2.16593

Abstract

The phenomenon of the halal lifestyle demands modern society to fulfill sharia principles in almost all aspects of life. In order to improve the quality of halal integrity to reach the global market potential of US$ 2.3 trillion, a system is built that can accommodate halal products. In the end, a halal value chain was formed that could integrate various companies and industries to work hand in hand to build a halal ecosystem. One aspect that cannot be abandoned in the development of the halal ecosystem is the financial sector in which transactions and financial mobilization occur. Of course, the system used is Islamic finance, in accordance with the principles of the halal value chain. One of the Islamic finance sectors is sharia insurance. In general, insurance is used as a guarantee if one day there is a loss to the related party. The halal industry certainly does not guarantee the avoidance of business actors from losses. From this, it can be understood that Islamic insurance plays a vital role in developing the halal value chain. Therefore, further research is needed regarding the identification of the role of Islamic insurance in optimizing the halal value chain. This research using qualitative methods and library research aims to analyze the role of sharia insurance in developing the halal value chain. The results found that almost all halal value chain clusters such as food and beverage clusters, halal tourism, fashion, cosmetics, and recreational media require sharia insurance to develop the halal value chain. This is because sharia insurance can guarantee the continuity of sharia-based businesses if there is an unthinkable loss one day. The government needs to pay more attention to implementing the Islamic financial system, one of which is sharia insurance, if it wants to create a halal ecosystem in Indonesia.
Assessment of Islamic Bank Soundness: Analysis Using CAMELS, RGEC and ALTMAN Z Score Methods Shabri, Husni; Hosen, Muhamad Nadratuzzaman
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.16896

Abstract

The purpose of this study is to analyze the soundness level of PT BCA Syariah. This study is descriptive research with a quantitative approach.The paper used data on the annual financial statements of PT BCA Syariah for the period 2017 - 2021. The analysis using CAMELS, RGEC and Altman Z-Score methods. The results show that overall PT BCA Syariah in the 2017-2021 period was at the Health level in the CAMELS, RGEC and Altman Z-Score assessment methods. The highest health and health condition of PT BCA Syariah during the Covid-19 pandemic is a management effort in carrying out appropriate, focused and planned strategies and risk mitigation. The three analytical methods show the same results so that they can be used as a reference for assessing the health of other Islamic banks
Implementation Policy of ITF (Inflation Targeting Framework) Bank Indonesia on Inflation Rate In Indonesia Sukardi, Agung Slamet
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.14280

Abstract

Inflation is the effect of a long economic crisis that hit a country. Inflation is a condition in which prices continue to rise. The purpose of this study was to determine the effect of the money supply, interest rates, and exchange rates on inflation in the period 2000-2018. The type of data in the discussion of quantitative data and sourced from secondary data 2000-2018. Data analysis used multiple linear regression and data collection techniques with samples that were in accordance with the purpose of the assessment and adapted to the characteristics of the study. The results of the F test show that there is a significant effect of the ITF policy using the money supply, exchange rate and interest rates on inflation suppression. The t test results show that the interest rate variable has an effect on inflation. In other words, the interest rate variable partially has a positive effect on inflation. For the government to be more careful and pay attention to the monetary policies taken in relation to the money supply, exchange rates and interest rates in influencing inflation.
Disclosure of Corporate Social Responsibility in Sharia Banks in Southeast Asian Countries Based on AAOIFI Standards Permatasari, Annisa; Suprayogi, Noven
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.15849

Abstract

This study aims to determine the effect of profitability, bank size, and age of Islamic banks on the disclosure of Corporate Social Responsibility on Islamic banks in Southeast Asian countries based on AAOIFI standards partially and simultaneously. The population used in this study are Islamic banks in Southeast Asian countries, including Brunei Darussalam, Indonesia, Malaysia, Singapore, Thailand, Vietnam, Myanmar, and the Philippines. The sampling technique was purposive sampling to obtain 18 sample Islamic banks with a total of 126 data. This study uses a quantitative method with panel data regression analysis with Eviews 10. The results of this study partially show that the profitability and size of Islamic banks are not significant in the disclosure of Corporate Social Responsibility. In contrast, the age of the bank has a positive and significant effect on corporate social responsibility disclosure. Simultaneously, profitability, bank size, and bank age significantly positively affect Islamic banks' Corporate Social Responsibility disclosure in Southeast Asian countries for 2014-2020. The implication of the findings of this study confirm that social activities in Islamic banks are activities that must be carried out and disclosed by Islamic banks so that the bank's financial performance does not influence the implementation and disclosure of social activities in Islamic banks
The Role of Islamic Service Quality on Intention to Use Indonesian Islamic Bank: Trust as an Intervening Variable Saputra, Moch Adika; Rahmawaty, Anita
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.20547

Abstract

This study aims to determine the effect of Islamic Service Quality on Intention to Use at Indonesian Islamic Bank with Trust as an Intervening Variable. Type of Field Research research with a sample of 235 respondents. The sampling method uses Non-Probability Sampling with Acidental Sampling technique. The data from this study were analyzed using the Structural Equation Modeling (SEM) method based on the Partial Least Square (PLS) Second Order model with an Embedded Two-Stage Approach. The results of this study show that: (1) Islamic Service Quality has a positive and significant effect on Intention to Use at Indonesian Islamic Bank. (2) Islamic Service Quality has a positive and significant effect on Trust at Indonesian Islamic Bank. (3) Trust has a positive and significant effect on Intention to Use at Indonesian Islamic Bank. (4) Trust can mediate Islamic Service Quality on Intention to Use at Indonesian Islamic Bank by having influence in Partial Mediation.Keywords: Islamic Service Quality, Trust, Intention to Use
Macroeconomic Impact of Sharia Business Unit of Indonesian Islamic Banking On Liquidity Asymmetric Approach Hakim, Muadz Abdul; Achsani, Noer Azam; Saptono, Imam Teguh
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.20892

Abstract

This study aims to determine the impact of macroeconomics on the liquidity of Indonesian Sharia Business Units (UUS). The liquidity in this study uses the Financing to Deposit Ratio (FDR). In contrast, the Macro Factors used are Inflation, Rupiah to Dollar Exchange Rate, BI Rate and Gross Domestic Product (GDP). The method used Nonlinear Autoregressive Distributed Lag (NARDL) method with data from January 2015 - June 2022. The results showed that in the long term, that affect UUS liquidity are Positive Rate, Negative Rate, Positive GDP, and Negative GDP, in the short term Inflation, Exchange Rate, Rate, and GDP are both positive and negative. Results show that UUS liquidity is vulnerable to changes in Indonesia's macroeconomic factors.
The Effect of FTV Policy and Economic Factors on Home Ownership Financing in Indonesian Sharia Banking Afalia, Waridatul; Aisyah, Esy Nur
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.20274

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Kebijakan FTV, Financing Deposit Ratio (FDR), Non-Performing Financing (NPF), Produk Domestik Bruto (PDB) dan Inflasi terhadap pembiayaan pemilikan rumah di bank umum syariah Indonesia periode 2014-2021. Metode penelitian yang digunakan adalah Vector Error Correction Model (VECM). Hasil penelitian ini menunjukkan bahwa variabel Kebijakan FTV, Financing Deposit Ratio (FDR), Non-Performing Financing (NPF), Produk Domestik Bruto (PDB) dan Inflasi pada pembiayaan kepemilikan rumah di bank umum syariah Indonesia tidak berpengaruh dalam jangka pendek. Sementara itu, dalam jangka panjang, variabel Kebijakan FTV, Non-Performing Financing (NPF), Produk Domestik Bruto (PDB) dan Inflasi secara signifikan mempengaruhi pembiayaan kepemilikan rumah di bank umum syariah Indonesia. Dan variabel Financing Deposit Ratio (FDR) berpengaruh negatif tidak signifikan terhadap pembiayaan pemilikan rumah di bank umum syariah Indonesia.
Indonesian Islamic Bank Financing in Increasing Halal-Based Micro, Small and Medium Enterprises in the Industrial Era 5.0‎ Siregar, Fitri Ana; Siregar, Erwin Saputra
MALIA: Journal of Islamic Banking and Finance Vol 8, No 1 (2024): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v8i1.25716

Abstract

Micro, Small and Medium Enterprises Financing is financing provided by business-based Islamic financial institutions, meaning that the capital is rolled out for working capital. Increased public awareness of halal matter and strong stakeholder support are important factors in the development of the halal industry ecosystem in Indonesia. The Industrial Era 5.0 had an impact on all existing sectors including the economic sector in the form of banking and halal-based business entities. This study discusses Indonesian Islamic Banks in halal-based Micro, Small and Medium Enterprises financing in the industrial era 5.0 which has an impact on the economy in Indonesia. It is based on literature research in the form of reading financial archives, field observations, and analysis results from the financial statements of Bank Syariah Indonesia. This study argues that financing Bank Syariah Indonesia as a provider of capital will increase Halal-based Micro, Small and Medium Enterprises supported by the use of digital media in the era of industrial 5.0.
Intellectual Capital and Islamicity Performance Index: Does it affect to Profitability of Islamic Commercial Banks? Nur Hapsari, Adelia; Hasyim, Fuad
MALIA: Journal of Islamic Banking and Finance Vol 7, No 2 (2023): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i2.21983

Abstract

The financial performance of Islamic banking is not only measured through theassessment of financial entities such as financial ratios but also encompasses an evaluation of human capital. This research aims to assess the intellectual capital (IC) and Islamicity Performance Index (IPI) on the financial performance of Islamic Commercial Banks using profitability as a proxy. This study adopts a quantitative research approach using secondary data. The sample consists of 12 Islamic Commercial Banks selected through purposive sampling technique during the observation period from 2021 to 2022. The data analysis technique employed is regression analysis using a panel modeling approach. The findings indicate that Islamic Banking Value Added Capital Employed (iB-VACA), Islamic Banking Value Added Human Capital (iB-VAHU), Profit Sharing Ratio (PSR), and Equitable Distribution Ratio (EDR) have a significant influence on profitability. However, Islamic Banking Structural Capital Value Added (iB-STVA) does not have a significant impact on the profitability of Sharia commercial banks.Keyword       :    Profitability, IC, IPI, Panel

Page 8 of 11 | Total Record : 110

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