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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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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.
Governance, Risk, and Compliance (GRC), Dividend Policy, and Debt Policy as Accentuation of Firm Value in The Banking Financial Service Sector Siwi, Puput Ranu; Hanifah, Umi; Suhatmi, Erna Chotidjah
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.v7i2.22182

Abstract

Abstract : Increasingly high business competition requires companies to maintain a competitive advantage to be able to maintain the value of the company. This study aims to analyze the effect of governance, risk, and compliance (GRC), dividend policy, and debt policy on firm value in conventional banking companies listed on the IDX in 2017-2021. This research is quantitative. Data analysis techniques used descriptive statistical analysis, classical assumption tests, and hypothesis testing. The results show that managerial ownership, credit risk, independent board of commissioners, and dividend policy do not affect firm value. Institutional ownership, liquidity risk, and debt policy affect firm value. Managerial ownership, institutional ownership, credit risk, liquidity risk, independent board of commissioners,Keywords : Governance, Risk, and Compliance (GRC), Dividend Policy, Debt Policy, Firm Value.
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.
Investigating The Determinant Factors of E-Mas Saving Decisions on Indonesian Sharia Bank Customers: AIDA Model Development Afandi, Ahmad; Siregar, Try Mahendra; Nikmah, Faridhatun
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.v8i1.26092

Abstract

The popular feature of BSI mobile presently is the e-Mas, considered a modern investment choice for society. This research aims to investigate the decisive factors influencing BSI Mobile e-Mas savings decisions. AIDA modeling was enhanced by incorporating the notions of knowledge and motivation into the investigation. We gathered data from 240 customers through individual questionnaire completion. The Partial Least Square structural equation model (PLS-SEM) was utilized to analyze the data using AMOS version 24.0. The results indicate that the AIDA model (Attention, Interest, Desire, Action), knowledge, and motivation have a positive impact on saving decisions. BSI Mobile e-Mas Savings is a new service that lacks assurance from the Deposit Insurance Corporation, hence requiring prompt legislative rules from the government and banks
Islamic Banks in Morocco: Facts and Challenges Fakhri, Lamiae; Lazrak, Yassir; Trid, Sabah
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.v7i2.21928

Abstract

Though the global financial crisis has strongly challenged the development models of conventional finance, currently the participatory financial industry, known as "Islamic Banking", is systematically becoming important in several countries. In Morocco, many citizens wish to invest in these banks to avoid ‘Riba’, which is forbidden by the precepts of the Muslim Sharia. However, the instruments of Islamic banks are limited in terms of insurance and taxation, which makes them more exposed to risk. The objective of this research, therefore, is to shed light on both the situation of this industry since its emergence in Morocco and on the factors which prevent the advancement of participatory products in Morocco as well. The research concludes that numerous challenges face the Islamic financial industry, including strict Shariah compliance, regulatory and prudential challenges, competition, lack of awareness of Islamic finance, lack of uniform reporting standards, complexity of regulatory and supervisory issues, lack of consensus among Shariah scholars, and the absence of a centralized supervisory body. However, despite these challenges, the Islamic financial industry is growing steadily around the world and is increasingly accepted for its potential benefits, including financing Morocco's priority sectors, banking the population and promoting social solidarity through the establishment of ‘Zakat’ funds. To closely examine these two points, the present article adopts a systematic literature review method, which is a review of existing literature.
Stock Price Valuation in Making Investment Decisions (Study on Stocks Listed on The Indonesian Stock Exchange Jakarta Islamic Index 70 Period 2020 – 2022) Nuraini, Tika Maulina; Martini, Tina
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.v7i2.22982

Abstract

This study aims to examine the difference in stock valuation using the DDM and DCF methods for investment decision making in companies listed on the JII 70 for the period 2020 - 2022. This research is a type of descriptive research with a quantitative approach that originates from the annual reports of companies listed on JII 70 for the period 2020 - 2022 The sampling technique used purposive sampling with several predetermined criteria, in order to obtain 24 samples of companies with a period of 3 years to 72 samples. The data analysis technique uses the Dividend Discount Model and Discounted Cash Flow methods and then conducts a t-test. The results of this study indicate that if the share price is calculated using the Dividend Discount Model, the majority are undervalued. Meanwhile, the majority of stock prices calculated using the Discounted Cash Flow method are in overvalued condition. There is no difference in the Dividend Discount Model and Discouted Cash Flow methods, so the investors should not hesitate to choose between the two models.

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