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Moh. Nurul Qomar
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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 100 Documents
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Macroeconomic Impact of Sharia Business Unit of Indonesian Islamic Banking On Liquidity Asymmetric Approach Muadz Abdul Hakim; Noer Azam Achsani; Imam Teguh Saptono
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 Waridatul Afalia; Esy Nur Aisyah
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
A Lesson Learned from BSI Error Service: A Twitter Text Mining Data Approach Using NVivo Izza, Nadia Nurul; Herindar, Evania; Akbar, Nashr
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.v8i1.23436

Abstract

This research extensively examines  Twitter trend data related to BSI (Bank Syariah Indonesia) error services, collecting 1,014 tweets in real-time using NCapture from NVivo 12 Plus within the timeframe of May 8-16, 2023. The key findings highlight that 81% of conversations regarding BSI error services carry a negative sentiment. Additionally, a word cloud identifies key terms such as "services" (2.21%), "transactions" (0.87%), "ransomware" (0.74%), and "trust" (0.42%). As a concrete solution, the research recommends enhancing the transparency of BSI management to the public and fostering close collaboration with relevant authorities such as OJK, BI, and LPS. Furthermore, the strengthening of BSI's cybersecurity is emphasized to mitigate risks. These findings not only provide in-depth insights but also present practical steps that can be implemented to protect consumers and restore public trust in the Islamic banking sector. As a valuable contribution to the literature, this research not only offers a snapshot of the current situation but also identifies relevant directions for future research. Overall, the study integrates comprehensive data analysis with impactful recommendations, establishing a robust foundation for understanding and continuous improvement in the management of BSI error services. Notably, this research is the first to use NVivo in collecting Twitter data related to BSI error services
Effect of Perceived Organizational Support (POS), Servant Leadership and Islamic Work Environment on Employee Performance with Organizational Citizenship Behavior (OCB) as A Moderating Variable (Study at Bank Tabungan Negara Syariah KC. Solo) Arsyad, Muhammad Rafly Aulia; Mochlasin, Mochlasin
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.v8i1.25195

Abstract

This research wants to know several factors that can influence employee performance at Bank Tabungan Negara Syariah KC Solo. The research aims to reveal what factors can influence the performance of employees of the Solo KC State Sharia Savings Bank. This research uses a quantitative method by processing primary data obtained through a questionnaire given to employees of the Syariah State Savings Bank KC Solo, 40 respondents using a saturated sampling technique. Then the data obtained was processed using SPSS version 23. The analysis used in this research included instrument tests, statistical tests, classical assumption tests and Moderated regression analysis. Based on the test results, the results show: 1) perceived organizational support has a positive and significant effect on employee performance. 2) servant leadership has a positive and significant effect on employee performance. 3) an Islamic work environment has a positive and significant effect on employee performance. 4) organizational citizenship behavior has a positive and significant effect on employee performance. 5) organizational citizenship behavior does not moderate the influence of perceived organizational support on employee performance. 6) organizational citizenship behavior does not moderate the influence of servant leadership on employee performance. 7) organizational citizenship behavior does not moderate the influence of an Islamic work environment on employee performance.
Islamic Corporate Social Responsibility Disclosure, Profitability, and Visibility of Sharia Commercials Bank in Indonesia Akmal, Denara
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.v8i1.23016

Abstract

The purpose of this study is to analyze the effect of profitability and visibility on Islamic Corporate Social Responsibility Disclosure (ICSRD) of Islamic Commercial Banks in Indonesia for the period 2020 – 2022. This research is a quantitative study using secondary data from the Islamic Commercial Bank's Annual Reports and Sustainability Reports. The effects are examined based on content analysis of 9 Islamic Commercial Banks in Indonesia using a  purposive sampling technique. The results showed that profitability and visibility simultaneously had a significant effect on the ICSRD of Islamic Commercial Banks in Indonesia for the period 2020 – 2022. However, partially the profitability did not affect ICSRD. Meanwhile, the visibility has a significant effect on ICSRD partially. The results of this study are expected to provide a reference for Islamic Commercial Banks policymakers to always improve the ICSR to maintain customer confidence in the operations of Islamic Commercial Banks in Indonesia.
The Influence of Religiosity and Social Environment on The Intention To Save Darussalam Gontor University Lecturers in Sharia Bank Lahuri, Setiawan bin; Adillah, Erika Rishan; Zuhroh, Ainun Amalia
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.v7i2.22852

Abstract

This article aims to find out how much influence the religiosity and social environment of Darussalam Gontor University lecturers have on saving in sharia banks. Gontor University lecturers are lecturers who live in an Islamic boarding school environment. This research is research with a quantitative analysis approach. Primary research data is based on a sample of 82 respondents taken using purposive sampling. The analysis uses data quality tests, classical assumption tests, multiple linear analysis tests, and statistical tests using the Statistical Product and Service Solution analysis tool version 22. The results of the research show that the religious variable has a significant positive effect on the intention to save at the bank. This is because the majority of respondents have a high level of religiosity, and respondents pay more attention to the use of services and products in implementing Islamic law. Social and environmental variables have no effect on interest in saving at Islamic banks. This is because respondents use more religiosity factors in saving behavior. Then simultaneously, the religiosity and social environment variables influence the intention to save at a sharia bank by 52.4%, and 47.6% are influenced by other variables. This research recommends that Islamic banks pay more attention to sharia systems and principles
Sustainability of Sharia Fintech: The Role of Perceived Benefit And Perceived Risk Supriyanto, Agus; Fagustina, Anis
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.v8i1.26635

Abstract

This study aims to examine the influence of Perceived Benefit and Perceived Risk on Intention to use Sharia Fintech and its impact on the sustainability of Sharia Fintech. The research sample consisted of 137 respondents selected using purposive sampling method. The results of the study indicate that perceptions of benefits and risks have a significant influence on users' intention to adopt Sharia Fintech. Users' intention, as a direct result of perceptions of benefits and risks, plays a crucial role in maintaining the sustainability of the Sharia Fintech industry. Recommendations for future research include the development of strategies focused on enhancing perceptions of benefits and reducing perceptions of risks associated with the use of Sharia Fintech. Furthermore, further research is needed to understand other factors that may influence users' intentions and the sustainability of the Sharia Fintech industry, in order to formulate more comprehensive and sustainable development strategies.
The Impact of Electronic Customer Relationship Management and Quality Moderated by Sharia Compliance on Loyalty Rochmad, Rochmad; Yusuf, Ahmad Mukhlis; Mulyana, Rahmat
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.v7i2.23404

Abstract

In the rapidly digitizing landscape of Islamic banking, innovation is imperative for competitiveness and delivering top-tier services to customers. Electronic Customer Relationship Management (E-CRM) emerges as a key solution, streamlining interactions between banks and customers in the digital realm. This study delves into how E-CRM and Service Quality affect Customer Loyalty within Islamic banks, with a focus on Shariah Compliance as a moderating factor. The aim is to decipher how the Islamic banking sector can cultivate and enhance customer relationships in the digital age. Employing a quantitative approach, the research collects survey data from 212 Islamic bank customers through random sampling. Structural Equation Modeling (SEM), executed using IBM AMOS V.22 software, scrutinizes the collected data. Findings indicate a significant, positive contribution of E-CRM to Customer Loyalty. Interestingly, Service Quality doesn't wield a significant influence on Customer Loyalty, suggesting the presence of other influential factors in the Islamic banking arena. Notably, Shariah Compliance emerges as an important moderating element, bolstering the connection between Service Quality and Customer Loyalty, though it doesn't moderate the impact of E-CRM on Customer Loyalty.

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