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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 118 Documents
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The Urgency of Dinar and Dirham as a Usury-Free and Maysir-Free Currency Solution Yunus, Muhammad; Janwari, Yadi; Al-Hakim, Sofian
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 2 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.2.23555

Abstract

Money has an important role in human life, especially in economic activities. The history of money starts from the barter system to the use of gold and silver as a medium of exchange. In the Islamic perspective, money is seen as a medium of exchange and a measure of value, not as a commodity. Islam prohibits practices such as usury, gambling, and speculation that can cause injustice in the distribution of wealth. Islamic principles in terms of money include accountability, justice, simplicity, and the prohibition of the accumulation of wealth. Some people view the Dinar and Dirham currencies are Islamic currencies, so they forbid paper currency or fiat money from being used because the nominal value does not match the intrinsic value, unlike Dinar and Dirham currencies. The method of this research is qualitative research in the form of library research. The result of the discussion of this article is that the dinar and dirham currencies did not originate from Islam but from the Romans and Persians. There are 3 functions of money in Islam, namely: money as a means of unit price, money as a medium of exchange, and Money as a storage medium of value. Thus, the Islamic perspective on money aims to create a fair economic and financial system for all mankind. Keywords: Money; Dinar; Dirham
The Role of Islamic Banking in Supporting Women's Economic Empowerment Trimulato, Trimulato; Syarifuddin, Syarifuddin
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 2 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.2.23563

Abstract

AbstractPurpose -. This study describes the development of productive and consumptive Islamic bank financing. As well as explaining the role of Islamic banks in supporting women's economic empowerment.Method - This type of research is a literature study using qualitative. The data source in this research is secondary data that certain institutions have presented. The data collection technique used in this research is literature from various sources relevant to the research theme. Both from journals, books, and other library sources. The data analysis technique used in this research is descriptive qualitative, which shows the development of Islamic bank financing, as well as the form of empowerment that can be done by Islamic banks in supporting the women's economy.Result- The results of this study show that Islamic bank financing grew by 3.41 percent and that the portion of Islamic bank financing is still dominated by consumptive financing, not productive. Islamic banks need to increase productive financing, especially for women's economic empowerment. Islamic banks have a role in increasing women's productive financing with their profit-sharing system, as well as their social funds, and can collaborate with various parties.Implication - This study uses data from Islamic banks in Indonesia. The Financing for Consumptive and Productive Product. Financing for women's economic especially in one Islamic Bank. Originality- The paper looks financing distribution in Indonesia. Product Financing in Islamic Bank. Islamic banks need to be encouraged to activities that support the real sector.Keywords:    Islamic Banking, Supporting, and Women’s Economic
Interest in Saving Students at Sharia Banks in Jayapura City, Papua Province Lestari, Irmalasari Duwi; Febriani, Hajrah Putri; Baharuddin, Jukri; Affandy, Fachrudin Fiqry
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 5 No. 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17966

Abstract

AbstractPurpose - This study aims to determine the effect of attitude variables, subjective norms and perceived behavioral control on the interest of IAIN Fattahul Muluk Papuan students in saving at Islamic banks.Method - This research is a quantitative study using multiple regression analysis method with three X variables and one Y variable where the data in this study were obtained from 70 students who were collected by distributing questionnaires.Result - The results of this study indicate that subjective attitudes and norms have no effect on students' interest in saving in Islamic banks. Only behavioral control has a significant effect on students' interest in saving in Islamic banks.Implication - This research has implications for controlling student behavior about Islamic banking by holding courses on Islamic banking that make students aware of banking products and services. Furthermore, to improve attitudes and subjective norms among students, so that the interest in saving at Islamic banks is further enhanced.Originality - This study saw firsthand that subjective attitudes and norms had no effect on students. Only behavioral control affects students so that later it can influence other students to save at Islamic banks.
Analysis Of The Quality Of Electronic Service Es-Qual And E-Recs-Qual Models In The Bsi Mobile Application To The Level Of Customer Loyalty At Bsi Bank Putri, Adinda Nur Syafina; Fataron, Zuhdan Ady; Fuadi, Nasrul Fahmi Zaki
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 5 No. 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17969

Abstract

AbstractPurpose - This study aims to analyze the electronic service model ES-Qual and E-Recs-Qual in the BSI Mobile application at the level of customer loyalty at the BSI bank KCP Kendal Weleri Central Java.Method - Research is a study that uses quantitative methods, with primary data from questionnaires filled out directly by customers. The population was 1.015, according to USAK data. The sample used was 85 respondents.Result - The results obtained in this study indicate the results of the simultaneous test of the eight variables significantly contributed. In partial test results, variables that have a positive and significant effect on the level of loyalty are efficiency variables, privacy, compensation, and compatibility of mobile device variables. While the variables of reliability, fulfillment, responsiveness, and contact do not have a significant influence on the level of customer loyalty.Implication - This research will have an impact on how to increase customer loyalty regarding the services provided by BSI bank in relation to the mobile banking application.Originality - This study analyzes the relationship between the electronic service variables of the ES-Qual and E-Recs-Qual models in the BSI Mobile application at the level of customer loyalty.
Explorative Analysis of Bank Syariah Indonesia Youtube Channel Haq, Furqonul
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 5 No. 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17975

Abstract

Purpose - This research was conducted to qualitatively analyze the profile and columns on the Bank Syariah Indonesia (BSI) YouTube channel.Method - This research describes the BSI YouTube channel qualitatively with an exploratory approach.Result - The results showed that the BSI YouTube channel has a profile with 65.5K subscribers and 420 video posts. Posts on the BSI YouTube channel consist of video and image posts. The BSI YouTube channel has nine columns like most other YouTube channels. All columns (home, videos, shorts, live, playlist, community, channels, about and search) can be analyzed exploratively.Implication - The population in this study is the Youtube channel of Islamic banks. The sample used is the BSI Youtube channel.Originality- Research that qualitatively analyzes the YouTube channels of Islamic banks in Indonesia.  
Hedging In Indonesian Sharia Stock Index Manufacturing Companies Baroroh, Hilmy; Hasanah, Sarpiatun
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 5 No. 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17978

Abstract

Purpose - This study aims to determine the influence of financial distress, profitability, and liquidity on hedging activities in manufacturing companies listed on the Indonesian Sharia Stock Index during the period 2016-2020.Method - The analysis in this study uses logistic regression analysis to answer the research questions. The study utilizes purposive sampling technique to determine the sample, and total of 80 samples are obtained from manufacturing companies listed on the Indonesian Sharia Stock Index during the period of 2016-2020.Result - The results of this study that financial distress, proxied by the Altman Z-score model, does not have a significant effect on hedging activities in manufacturing companies. On the other hand, profitability, proxied by return on assets, has a positive and insignificant effect on hedging activities in manufacturing companies, while liquidity, proxied by the current ratio, has a negative and significant effect on hedging activities in manufacturing companies.Implication - In this study, uses secondary data obtained from the annual report and financial reports of manufacturing companies listed on the Indonesian Sharia Stock Index during the period 2016-2020.Originality - Future research is expected to be able to add or replace different proxies, particularly those related to financial distress, will be utilized in the theory of hedging activities. This will expand the discussion on the determinants of hedging policy in manufacturing companies in Indonesia. 
Comparative Study on Disclosure of Islamic Social Reporting (ISR) Based on the ISR Index between Islamic Banking in Asia and Africa Mariana, Anita; Warno, Warno; Rahmiyanti, Firdha
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 5 No. 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17991

Abstract

Purpose - This study aims to compare the level of disclosure of Islamic Social Reporting between Islamic banking in Asia and Islamic banking in Africa using the ISR index approach.  Method - The data analysis in this study used content analysis. The sample in the study was 18 Islamic Commercial Banks with purposive sampling method.Result - The results of the study show that there are differences in the implementation of social performance of Islamic banking in Asia and Africa. This is proven by the results of the Mann Whitney test with a sig value of 0.001 greater than α = 5%. There is some evidence that of all Islamic banks, both Asian and African, none has yet achieved 100% (one hundred percent) implementation and disclosure of the ISR Index.Implication - This research uses secondary data in the form of annual reports and annual financial reports on the respective official websites of Islamic Commercial Banks in Asia and Africa during the 2012-2020 period.Originality- Further research is expected to be able to use or add variables and increase the research sample so as to obtain results that better describe the actual situation. 
Financial Technology Strategy for Islamic Banking Competitiveness Hakim, Muhammad Luqman
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 5 No. 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17998

Abstract

Purpose - Analyze the development of Financial Technology and Islamic banking financial data to have implemented financial technology for customers and the profits achieved.Method - This research is qualitative with a literature study connected with the phenomena in Islamic banking to implementing financial technology.Result - Show that the level of service and financial technology is valid, practical and efficient for customers and benefits for Islamic banking.  Implication - Technological developments can have benefits for users according to their needs. One of the benefits is related to efficiency in use. Financial institutions use technology to make easier for their customers in digital-based financial transactions.  Originality- This research studies the development of Islamic bank performance, the development of Islamic bank financing from the number of ATMs, one form of Islamic banking financial technology in Indonesia. 
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.

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