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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. 6 No. 1 (2024)" : 7 Documents clear
Investigating the Impact of Accountability, Religiosity, and Waqf Literacy on Community Interest in Cash Waqf Nurjanah, Suci; Fithria, Annisa
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.1.20896

Abstract

Purpose - According to Government Regulation Number 28 of 1977 Article 1 (1), waqf is a legal act by an individual or legal entity that separates a portion of their wealth in the form of land and dedicates it for worship purposes or other public interests in accordance with Islamic teachings. The potential for waqf in Indonesia is estimated to reach 180 trillion. In 2022, there was an increase amounting to 1.4 trillion rupiah compared to the proceeds from cash waqf from 2018 to 2021, which stood at 855 billion rupiah. This research aims to analyze the impact of accountability, religiosity, and waqf literacy on the cash waqf interest of the community.Method - A sample of 102 respondents was obtained using the convenience sampling technique. The data analysis technique in this study is multiple linear regression analysis.Result - This research yields findings indicating that accountability and religiosity positively and significantly influence the community's interest in participating in cash waqf. Conversely, waqf literacy exhibits an insignificant impact on the community's interest in engaging in cash waqf.Implication - This study uses information collected from muslim communities in Indonesia to assess their interest in cash waqf.Originality - This study provides insights into the significance of accountability disclosure by waqf institutions and the level of religiosity in influencing an individual's interest in engaging in waqf activities. The results of this research can serve as a foundation for academics, waqf institutions, and government entities to enhance waqf literacy among the public. This effort is crucial for the continued growth and optimization of waqf potential in Indonesia.
Shari’ah-compliant Financing Mechanisms for Belt and Road Initiative: Mitigating Debt Trap Risks Shabani, Ramadhani Mashaka
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.1.20934

Abstract

Purpose - The purpose of this study was to examine how Shari'ah-compliant finance can be a solution in financing BRI projects and mitigating debt risk.Method - The study uses a systematic literature review.  Result - The finding shows that Shari'ah-compliant finance can provide a solution to the debt trap associated with the conventional model proposed by the Chinese government. By using BOT, the structure can facilitate financing, especially in developing countries with no technical skills as well as experience in operating massive projects. This structure offers financing of the project as well as helps in skills transfer to the local during the operating stage. Another structure is Istisna’s lease Finance, this structure focuses on financing the specific project identified by the country. This structure offers the country the ability to develop the project, lease the project, and pay back a specific amount in instalments. Despite the conventional finance where the payment contains interest, in this contract the payment is specified and cannot be changed due to interest.Implication - The study uses shari'ah-compliant financing mechanisms for belt and road initiative to mitigating debt trap risks.Originality - BRI projects are crucial for the development of the countries. The Chinese government established BRI to try to connect Asia, the Middle East, Europe, and Africa through massive infrastructure such as roads, railways, ports, and airports. However, there is a challenge in financing these projects.  Sharia-compliant Financing Mechanisms to mitigating debt trap risks.
SKBDN Products: Implementation of Sharia Compliance in Bank Syariah Indonesia Mawadah, Sokhikhatul
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.1.20988

Abstract

Purpose - The aim of this research is to find out how BSI's sharia compliance applies to SKBDN (Domestic Letter of Credit) products.Method - This research is qualitative research. The data used is primary data originating from interviews with BSI employees. Secondary data was obtained from books, journals and previous research.Result - The results of the research state that the implementation of BSI Semarang City Sharia Compliance in SKBDN, namely BSI has implemented sharia compliance based on maqashid sharia, including: 1). Ad-dien: BSI is guided by the Koran, Hadith and other Islamic laws in carrying out all its operational systems and products. 2). an-nafs: SKBDN services involve several parties, including customers, BSI and goods providers. This is where it is important for the parties to be trustworthy. 3). al-aql: BSI participates in educating customers (provides education on every bank product to customers through seminars and training). 4). an-nasl: caring for offspring, BSI guarantees that customer funds come from halal funds which have a good impact on the family and descendants and 5). al-mal: BSI takes profit from the services of implementing SKBDN services through fees charged.Implication - This research explores Islamic values, with sharia maqashid indicators in sharia banking, especially in SKBDN products. It is hoped that service in sharia banking will be better and more customers (applicants) will choose SKBDN products in sharia banking.Originality - This article examines sharia compliance of sharia banks using the maqashid sharia approach. SKBDN applicants are more aware and comfortable choosing SKBDN services in sharia banking.
The Important Role of Customer Satisfaction in Sharia Bank in relation to Service Quality and Relational Marketing towards Customer Loyalty Pranaditya, Ari; Ismail, Harries Arizonia; Shabihah, Khansa
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.1.20991

Abstract

Purpose - This study aims to examine the effect of service quality on customer loyalty, customers' satisfaction on loyalty and examining how relational marketing affects customer loyalty within the scope of organizations that practice Islamic values in Indonesia.Method - This research is an explanatory research which explain the position of the variables studied and the influence between one variable and another. To process the data in this study using The Structural Equation Modelling (SEM) from the AMOS 20.0 software package.Result - The result of this research shows that service quality, relational marketing and customer satisfaction influences positively and significantly to customer loyalty.Implication - This study implies customers of Bank Syariah Indonesia in Semarang, Central Java Province, Indonesia who have been a customer for more than 1 year.Originality - The paper looks into the relations of service quality on customer loyalty, customers' satisfaction on loyalty and examining how relational marketing affects customer loyalty in Bank Syariah Indonesia in Semarang, Central Java Province, Indonesia in the third year after the merger to seek if the variables have already served well in the company. 
Islamic Economic Concepts To Form Community Welfare From The Perspective Of Ibnu Khaldun's Thinking Nurcahyo, Satria Avianda; Isnawati, Setya Indah; Widagdo, Teguh Harso; Rizal, Achmad
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.1.21060

Abstract

Purpose - This research aims to review Ibn Khaldun's thoughts regarding social welfare, Ibn Khaldun revealed that Allah outlined economic activities as an inseparable part of the social responsibilities that exist in society, and their incompleteness could threaten the continuity of world life and human existence.Method - This research is using a type of normative research, applying a library approach and a conceptual approach.Result - The result of this research indicates Ibnu Khaldun stated that Allah established muamalah activities as an integral form of responsibility in community life. Non-fulfillment can threaten world life and human welfare. In formulating three basic reasons for engaging in economic activity, Ibnu Khaldun explains that this is not only about fulfilling personal life needs. Ibnu Khaldun believes that the price of a good or service is influenced by the dynamic interaction between demand and supply. This concept highlights the interrelated relationship between the forces of demand and supply in determining the value of a product or service.  Implication - This study It is hoped that there will be management and supervision of market prices by the state in the field, as suggested by Ibn Khaldun in his great work Muqadimmah.Originality - In the economic context, Ibnu Khaldun also highlighted the importance of government vigilance regarding the amount of money in circulation. 
Dividend Discount Model Theory Implementation Based On Maqashid Shariah In Indonesia Shariah Stock Market lulukiyyah, Masdaliyatul
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.1.22796

Abstract

Purpose - The purpose of this article is to explore how the use of the Dividend Discount Model (DDM) can be enriched by taking into account the principles of Maqashid Syariah and the economic thinking of Imam Al-Ghazali.Method - This research uses a literature review method with a qualitative descriptive approach. Data was obtained through a study of relevant literature with a focus on the Dividend Discount Model (DDM), the concept of Maqashid Syariah, and the economic thought of Imam Al-Ghazali.Result - The results of the analysis show that the integration of the Dividend Discount Model (DDM) with the Maqashid Syariah concept and Imam Al-Ghazali's economic thinking can provide a more holistic approach and in accordance with Islamic values in evaluating share value in the Islamic capital market. This approach emphasizes the importance of taking into account aspects of social and spiritual benefit, as well as contributing to inclusive and sustainable economic development.Implication - The implication of this research is that the use of the Dividend Discount Model (DDM) which is enriched with the Maqashid Syariah concept and Imam Al-Ghazali's economic thinking can help improve the performance of the Islamic capital market and strengthen compliance with Islamic principles in economic activities. This can have a positive impact on community welfare and sustainable economic development in Indonesia.Originality- The integration of the Dividend Discount Model (DDM) with the Maqashid Syariah concept and Imam Al-Ghazali's economic thinking is an innovation that can increase our understanding of the relationship between religious values and economic practices.  
The Concept of Corporate Social Responsibility in Islamic Banking from the Perspective of Islamic Economics Najachah, Elysa
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.1.22797

Abstract

Purpose - This paper aims to give an alternative to the CSR concept in Sharia banking is appropriate to rule in economy Islam.Method - This paper uses qualitative study through understanding in a way inductive. The approach used is through approach related to normative theology CSR concept in the economy of Islam.Result - CSR in Sharia banking is implemented following the rule economy Islam that is with aqad that complies with Sharia, is legal, and is also transparent in CSR disclosure. Besides that, the CRS concept in Sharia banking can also be used to guard faith, soul, offspring, protecting the mind, and wealth through connection with Allah (hablum min Allah) and also relationships with humans ( hablum Minannas ). As a consequence of the implementation draft, the threat boycott can avoided. This CSR concept is also a form of commitment to Islamic banking to contribute to the field economy, quality communication, and quality of life legally and ethically.Implication - Results study This shows that the concept of CSR in Sharia banking is appropriate with rule economy Islam can contribute to improvement investment, image positive, and loyalty of customers and employees in Syariah banking.Originality - throughout knowledge author, research This is the first study to discuss in a way detailed and systematic related CSR concept in Islamic banking perspective economy Islam.

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