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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. 4 No. 2 (2022)" : 7 Documents clear
Analysis of Religiosity, Customer Perceptions and Income Levels on the Decision to Choose Savings and Loans Cooperatives and Sharia Financing Trihudiyatmanto, M.; Onamusi, Abiodun Babatunde
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15024

Abstract

 Purpose - This study aims to determine the influence of religiosity, customer perceptions and income level on the decision to choose Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) Melati, Sapuran branch in Wonosobo.Methodology - The analysis in this study uses multiple linear regression analysis to answer the questions in this study. This study used a total sample of 99 respondents to obtain research data.Results - The results of this study indicate that customer perceptions and income levels have a positive effect on the decision to choose KSPPS Melati. While the religiosity variable has no effect on the decision to choose KSPPS Melati.Implications - This study uses primary data obtained from respondents' answers through questionnaires distributed to respondents.Originality - Future research is expected to be able to add or replace variables in this study, in order to increase interest in choosing KSPPS Melati.
Akad Ijarah: Multijasa Financing Mechanism In Baitul Maal Wa Tamwil (BMT) Faizah, Fita Nurotul
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15025

Abstract

Purpose - The purpose of this research is to find out how the mechanism of multijasa financing using ijarah contract and the determination of ujrah which is related to Fatwa DSN-MUI at KSPPS BMT DAMAR Fatmawati Branch Office, Semarang City.Method - The method in this research is qualitative case study type. Data were obtained through observation, interviews and documentation. Furthermore, the collected data were analyzed descriptively.Result - The results of the study state that the practice of ijarah contracts in multijasa financing at KSPPS BMT DAMAR KC Fatmawati includes: 1.) BMT acts as a provider of funds; 2.) BMT provides funds to realize the object of member rent, such as education costs, childbirth, home renovations, renting a shop. Then, the funds are handed over to the member; 3.) members can return the funds in installments. While on the determination of ujrah/fee, the BMT is guided by the nominal amount. The amount of ujrah is clearly stated at the time of the contract execution. This means that KSPPS BMT DAMAR KC Fatmawati is also a mediator between members and renters through a number of financing submitted by members. This is not in line with the obligations of sharia financial institutions, namely providing the leased goods or services provided as stated in Fatwa DSN-MUI No.09/DSN-MUI/IV/2000.Implication - This research was conducted to provide an overview of the practice of ijarah financing and the determination of ujrah at BMT and see the relationship based on Fatwa DSN-MUI Number 44 of 2004.Originality - There have been many discussions about ijarah contracts in sharia microfinance institutions/Baitul maal wat tamwil (BMT). However, there are still few who discuss multijasa financing with ijarah contracts correlated with DSN-MUI Fatwa Number 44 of 2004.
Utilization of Twitter in Customer Relationship Management at PT Bank Syariah Indonesia (BSI) Isnawati, Setya Indah; Bangsa, Jaya Ramadaey; Nurcahyo, Satria Avianda; Ali, Ahmad
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15120

Abstract

The Association of Indonesian Internet Network Operators (APJII) released data, behaviorally, one of the most dominant uses of the internet in Indonesia is to access social media. Twitter is one of the potentials for companies as a means of interacting with consumers, including maintaining good relations and providing education for consumers regarding the products or services owned by the company, including the implementation of Customer Relationship Management. The purpose of this study is to what extent PT Bank Syariah Indonesia (BSI) utilizes Twitter in implementing CRM. The research method uses netnographic studies, where researchers analyze research results based on observations through social media through entree approaches, data collection, data analysis, data interpretation, and member checks. The results of the study show that Twitter plays a very large role in maintaining relationships with customers, especially in the Islamic banking industry. The number of questions, complaints, suggestions and criticisms addressed to BSI as a service industry makes Twitter a forum for filtering customer responses as a CRM implementation.
Implementation of Accounting Standards as an effort to realize the Accountability of Sharia Microfinance Institutions Saadah, Naili
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15121

Abstract

Purpose - This study aims to analyze the presentation of the financial statements of what factors influence the presentation of the financial statements of Islamic microfinance institutions according to PSAK 101.  Method - This study aims to explore the implementation of accounting standards which are the basis for the presentation of financial statements of Islamic entities, therefore field research with qualitative methods is considered the most appropriate in this study.Result - The results of this study show that in the implementation of accounting standards, sharia people's credit banks have implemented applicable accounting standards while  sharia savings and loan cooperatives which are part of sharia entities have not been fully implemented, this is because there are several parts of financial statements that are not presented even though these parts are not crucial, for example zakat infaq and sodaqoh reports some  sharia entities do not present because the ZIS levy has been managed by a separate institution so that the reporting is also separate, besides that there are still many human resources who do not understand sharia SAK is an obstacle that is commonly encountered in the field.Implication - Referring to the results of this research, through this research, it is hoped that it will have implications for efforts to improve the competence of financial human resources in order to better understand the applicable accounting standards.Originality - This study seeks to compare the implementation of the presentation of financial statements in several BPRS and  BMT and identify weaknesses in the implementation of SAK. 
Generation Z's Interest in Digital Wallet Payments in Islamic Mobile Banking During a Pandemic Ghoynaqi, Ria Ida Maf’ula; Saibil, Defi Insani
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15147

Abstract

Purpose - This research was conducted to see interest in digital wallet payments in mobile banking applications using the TAM and TPB theories.Methods - This study tested the hypothesis using Structural Equation Modeling (SEM) with the SmartPLS 3.0 application.Results - The results showed that there was a positive influence on perceived ease of use, perceived usefulness, and subjective norms and significant on intention to use. Meanwhile, attitudes do not affect the intention to use Islamic mobile banking. So attitude is not a factor in Generation Z's intention to use mobile banking in digital wallet transactionsImplications - The population in this study is the Z generation which is carried out in the Special Region of Yogyakarta. A total of 111 respondents used purposive sampling method in determining the population sample.Originality - Respondents in this study have criteria, namely users of Islamic mobile banking and generation Z digital wallets conducted in the Special Region and during the Covid-19 pandemic.
Does knowledge and brand image affect the intention to save in Islamic banks? Adiyati, Alfi Khaerah; Arwiyanah, Arwiyanah; Baharuddin, Jukri; Affandy, Fachrudin Fiqry; Firdaus, Muhammad Anang
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15149

Abstract

Purpose- This study aims to determine the effect of knowledge and brand image variables related to the interest of IAIN Fattahul Muluk Papua students in saving at Islamic banks. Method- This research is a quantitative research using multiple regression analysis method with two X variables and one Y variable and the data in this study were obtained from 62 students who were collected through questionnaires distributed. Result- The results of the study show that knowledge and brand image have a significant effect on students' interest in saving at Islamic banks. Implication- This research has implications for increasing students' knowledge of Islamic banks by providing courses that are directly integrated into the application of products and services in Islamic banks. Furthermore, to increase the brand image of Islamic banks among students, they can continue to collaborate between the two institutions. Originality- This study looks directly at the influence of knowledge and brand image by students which will be able to influence them to save at Islamic banks. Considering that there are not too many Islamic banks in the province of Papua and they are still very new.
FINANCIAL TECHNOLOGY AND SHARIA COMPLIANCE REGULATIONS IN ISLAMIC BANKING IN INDONESIA Ramadhan, Dwi Swasana
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15647

Abstract

Purpose: The purpose of this study is to analyze the FinTech phenomenon and compliance with sharia regulations in Islamic banking in Indonesia. Use of research as information for regulators, Islamic banking, and other stakeholders in compiling compliance regulations as an element of supervision and optimal strategy to improve the quality of FinTech in Indonesian Islamic banking.Method: This research is a qualitative case study with literature studies related to the phenomenon of Sharia FinTech and Islamic regulations in Islamic banking in Indonesia.Results: The results of Yudaruddin's research (2022) stated that the better the economic conditions, the higher the potential for FinTech growth. Meanwhile, the results of Muryanto's research (2022) stated that apart from focusing on FinTech, Islamic banking is also required to maintain compliance with regulations, sharia principles, operational standards for sharia FinTech governance, and the Sharia Supervisory Board.Implication: With the existence of technology and the digital world, it will make easier life for human activities which can be accessed through any telecommunication media, anywhere, easy to use, and speeds up the process (Yudaruddin, 2022) . One of the outputs from the digital world is financial technology (FinTech). The development of FinTech can also be felt in Islamic finance where Islamic FinTech transactions in Indonesia in 2020 reached $2.9 billion in transaction volume and are the fifth largest transaction volume globally (Darmansyah et al., 2020; Muryanto, 2022; and Yudaruddin, 2022).Originality: This study looks directly at the FinTech phenomenon and compliance with sharia regulations in Islamic Banking in Indonesia which will be able to make good corporate governance of Indonesia Islamic Banking. Considering that there are not too many study at FinTech and sharia compliance in Indonesia Islamic Banks.

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