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AL-ARBAH: Journal of Islamic Finance and Banking
Published by Universitas Islam Negeri Walisongo Semarang
ISSN : 27163946     EISSN : 27162575     DOI : 10.21580/al-arbah
Core Subject : Economy,
Economics, Econometrics & Finance
AL-ARBAH: Journal of Islamic Finance and Banking is a peer-reviewed journal, published biannually by Department of Sharia Banking, Faculty of Islamics Economics and Business, Universitas Islam Negeri (UIN) Walisongo Semarang Indonesia. This journal is peer-reviewed journal by English language published twice a year (October and April) and specializes in Islamic Finance, Islamic Banking, and Islamic Finance Institutions.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 7 Documents
 1 
Search results for , issue "Vol. 1 No. 1 (2019)" : 7 Documents clear
Implementation Of Electronic Money In Developing Payment Transactions Through Islamic Economic Perspective Toyyibi, Abdul Majid
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 1 No. 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4098

Abstract

AbstractPurpose - By upholding the value of sharia principles economic activities. Electronic money is a financial transaction that is used by the community as a substitute for cash, and ottopay is part of it, to help become a financial intermediary with an electronic system through QR and billers.Method - The research is based on researching ottopay in its transactions by using a descriptive qualitative.Result - From the research method process used in the study resulted in the study that the implementation of ottopay in topping up by filling directly via the bank ATM or through an agent by clicking the wallet menu then top up and following the steps until the confirmation is successful and the balance is ready whenever it can be used.Implication - The existence of the Ottopay system is a support for the community to be able to think forward in the world of finance and technology, in addition, ottopay can be used as a business opportunity to provide benefits in the form of added value in the form of turnover that can be owned by merchants and can be used as additional income for the community.  Originality - The implementation of ottopay between users and publishers and users and merchants is in accordance with the rules of the DSN MUI fatwa, therefore the benefits of the ottopay application can guarantee security, easy and practical use so that people's economic turnaround is faster because it has an electronic digital system.
Factors To Influence Employee Performance In Bank Tabungan Negara Sharia Semarang Ilahi, Avita Puji; Afendi, Arif
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 1 No. 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4108

Abstract

AbstractPurpose - This research aimed to know the analysis of the influence of work experience, education, and work motivation on the employees’ performance of BTN Syariah KCS Semarang..Method - This research used primary data namely questionnaire which used Likert scale as the calculation scale, and also documentation given by the employees’ of BTN Syariah KCS Semarang. The samples of this research were 73 employees’. To analyse the data, the writer used multiple linier regression method and SPSS 16 version.Result - The result of the research showed that work experience had positive and significant effect toward employees’ performance, education had positive and significant effect toward employees’ performance, and work motivation had positive but nit significant effect toward employees’ performance. It showed that work experience, education, and work motivation had positive and significant effect toward employees’ performance.Implication - This study uses the data from only one Islamic bank.Originality - The paper looks into the determinant factors ofemployees’ performance at BTN Syariah Semarang. Previous studies have only focused on employees’ performance in conventional banks. On the other hand, this paper contributes to the empirical literature, giving a clearer picture of the determinants of employees’ performance of Islamic banks.
Risks Of Sharia Commercial Bank In Indonesia: Analysis Of Internal And External Factors Aufa, Erlinda Kurnia; Dja'akum, Cita Sary
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 1 No. 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4137

Abstract

Purpose - This study aims to analyze the effect of inflation, gross domestic product (GDP), capital adequacy ratio (CAR), and financing to deposit ratio (FDR) to non performing financing (NPF) at Islamic Commercial Banks in Indonesia.Method - The research approach used is a quantitative approach. Determination of samples is done by purposive sampling method. The data used is secondary data, obtained from publication reports on the official website of each Sharia Commercial Bank, Bank Indonesia, and the Central Statistics Agency. The population in this study were all Islamic Commercial Banks registered in the Statistics of Islamic Banking in Indonesia for the period 2013-2017. Based on the specified criteria, five Sharia Commercial Banks were obtained as research samples. This study uses panel data regression analysis with the Fixed Effects Model approach which is processed through the Eviews 10 program.Result - The results of hypothesis testing show that partially Inflation has a positive but not significant effect on NPF, GDP has a significant negative effect on NPF, CAR has a negative but not significant effect on NPF, and FDR has a significant negative effect on NPF. Simultaneously inflation, GDP, CAR, and FDR have a significant effect on NPF.Implication - This study uses all data from commercial Islamic bank.Originality - This study analyzes the determining factors that influence financing risks from both internal and external factors.
The Role Of Intellectual Capital In Modernizing The Influence Of Good Corporate Governance And Sharia Compliance Of Sharia Banks Azizah, Iva Nur; Senjani, Yayu Putri
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 1 No. 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4156

Abstract

Purpose - Improved financial performance of Islamic banks can be done by improving the system of corporate governance and sharia compliance. In addition to a good corporate governance system and sharia compliance, other factors such as intellectual capital in sharia banks can also improve financial performance. The purpose of this study was to determine the role of intellectual capital in moderating the effect of good corporate governance and sharia compliance on financial performance of sharia banks in 2013-2017.Method - Sampling technique used is purposive sampling. The analytical technique used is panel data regression test with software Eviews 9.Result - It is found that good corporate governance and Islamic Income Ratio have an effect on the financial performance of sharia banks which is poxied by return on assets. Besides that, intellectual capital modernizesgood corporate governance and Islamic Income Ratio on the financial performance of sharia banks, but it does not modernize sharia compliance which is proxied with Profit Sharing Ratio (PSR) and Zakat Performing Ratio (ZPR).Implication - This study uses the data from 14 islamic commercial banks in Indonesia.Originality - The papers look into the role of intellectual capital variables in the relationship of good corporate governance and sharia compliance to the financial performance.
The Analysis Of Musyarakah Contract Sharing System Implementationin BPRS Saka Dana Mulia Kudus Huda, Nur; Fajri, Fitri
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 1 No. 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4159

Abstract

Purpose - This research aims to know how the implementation of revenue sharing system to Musyarakah finance and to know the Conformity between the implementation done with Fatwa DSN No.08/DSN-MUI/IV/2000.Method - The study uses a qualitative descriptive approach with a type of case study research.Result - The results showed that a). the implementation of revenue sharing system to Musyarakah finance in BPRS Saka Dana Mulia uses projections or estimates between 1,75% - 2,5% multiplied by the bank's capital. This revenue sharing system has been determined at the beginning of the nominal magnitude of the result for which the customer must be deposited every month. But the bank continues to see the customer's business, when the customer's business suffered losses that are not caused by human error then the bank and the customer will renrenegotiate regarding the outcome.b). The implementation of Musyarakah finance to PT. BPRS Saka Dana Mulia which has been adjusted to Fatwa DSN No.08/DSN-MUI/IV/2000 located at the statement of ijab qabul, contract object (capital, work, andloss), Operational costs and disputes. While that is still not appropriate, that is in the part of the object contract about the profit.Implication - This research is only researching in PT. BPRS Saka Dana Mulia Kudus.Originality - there are differences in the division of sharing system between theories and practices implemented in BPRS Saka Dana Mulia. 
Quotation/Parenthesis Qur’an Verse Before Beginning Deed In The Structure Of Notary Deed In Sharia Financial Institutions’ Contract Usman, Sandi Aji; Rasiam, Rasiam
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 1 No. 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4168

Abstract

Purpose - This research aims to reveal and describe the issue of Islamic financial institutions' contract structure, the practice of the Qur'an quotation/parenthesis in the notary deed structure in Sharia financial institutions ' contract.Method - The method used in this research is normative juridical, with the processing and analysis of data in a qualitative descriptive way, this research data is sourced from secondary data and supported by interviews from sources as supporting data Secondary. The approach is to study with the regulatory approach of legislation.Result - In Islamic Sharia or fatwa is not regulated about the structure of the deed on the deed authentic or under the hands, but which is governed only the principles or basic rules only. Structure of authentic deed made by notary official, especially the deed in financial institution that includes quotation of Qur'an verses using Indonesian language before deed title does not violate the provisions of UUJN.Implication - The absence of the form of the standard structure of sharia agreement both for sharia transactions and in particular sharia financial institutions should be the financial Services Authority in collaboration with the organization of Indonesian Notary Association (INI) who is already experts to Making authentic deed in the form of raw in accordance with UUNJ.Originality - The focus of this research is to reveal and describe the issue of Islamic financial institutions ' contract structure. 
Respons Of Islamic Stock Markets To Monetary Policy Empirical Evidence from Indonesia Rasyidin, Muhammad; Sulong, Zunaidah
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 1 No. 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4437

Abstract

AbstractPurpose - The impact of stock market and capital formation on economic growth in Indonesia for the period of January 2015 – May 2019. This paper examines a long-run equilibrium relation between stock market, capital formation and economic growth and other control variables.Method - This study uses autoregressive distributed lag (ARDL) model.Result - Findings revealed that none of the models was stationary at level but were all stationary at first difference. There is not a short run significant relationship between stock market, capital formation and economic growth in Indonesia. In the long run, capital formation has a significant positive association on economic growth and a negative non-significant relationship between stock market and economic growth in Indonesia.Implication - This research is useful to know the response of Sharia market to monetary policy instruments in Indonesia so that the Sharia stock market strategy is potentially developing in the future to encourage the achievement of characteristics such as An alternative source of financing and investment for economic actors and able to facilitate risk mitigation needs for market participants and able to drive the efficiency of transactions in the market through the improvement of the quality of stock market infrastructure Sharia.  Originality - The update of this research is response of Sharia stock market response to monetary policy instruments in Indonesia that are researched using ARDL models.

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