AL-ARBAH: Journal of Islamic Finance and Banking
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.
Articles
185 Documents
<![CDATA[The Efforts Of Sharia Micro Financial Institutions In Increasing Community Income (Case Study Of Bank Wakaf Mikro Honai Sejahtera Papua) ]]>
<![CDATA[Yeubun, Shimah Fauziah]]>;
<![CDATA[Firdaus, Muhammad Anang]]>;
<![CDATA[Affandy, Fachrudin Fiqri]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 1 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.1.8065
<![CDATA[AbstractPurpose - This study aims to determine and analyze the effort of the Honai Prosperous Micro Waqf Bank in Papua in increasing community income in Heram District, Jayapura, Papua Province. Micro Waqf Bank is one of the government programs for low-scale communities.Method - This research uses a qualitative method with a case study approach. Primary data are collected from several informants who have related duties and functions such as managers, boarding school leaders, and customers from the Honai Sejahtera Micro Waqf Bank. While secondary data includes data from documents, literature, and academic studies and research. The data that has been collected is then processed and analyzed using a field analysis approach from Miles and Huberman.Result - The results of this study indicate that Honai Sejahtera Micro Waqf Bank improve the communities' income in Heram District by providing a loan for business capital using the Qardh. Besides that, the community felt the positive impact of their existence.Implication - Local Governments need to work together with LKMS to empower communities to escape poverty.Originality- This research focuses on increasing people's income through Islamic Microfinance Institution (LKMS) in Papua Province which has never been studied previously. ]]>
<![CDATA[Analysis of The Influence of Audit Committee, Sharia Supervisory Board, and Islamic Work Ethic on The Quality of Sharia Bank Financial Statements in Indonesia ]]>
<![CDATA[Budiyono, Iwan]]>;
<![CDATA[Sabilla, Chansera Kista]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 1 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.1.8066
<![CDATA[Purpose - This study aims to analyze the influence of audit committees, sharia supervisory boards, and Islamic work ethic on the quality of islamic bank financial statements in Indonesia.Method - The method in this study used Multiple Linear Regression Analysis with SPSS software tools.Result - Based on the results of this research, simultaneously the audit committee, sharia supervisory board, and Islamic work ethic have a significant influence on the quality of islamic bank financial statements in Indonesia. Meanwhile, in part, the audit committee and islamic work ethic have no significant effect on the quality of islamic bank financial statements in Indonesia. SSB partially affects the quality of islamic bank financial statements in Indonesia.Implication - This study uses the data from Islamic bank financial statement in Indonesia, audit committees, sharia supervisory boards, Islamic work ethic.Originality - The data was taken with the dissemination of questionnaires distributed to 30 respondents. The respondents were a reflection of the members of the audit committee and SSB who were qualified as students of sharia banking polytechnic state of semarang who had received islamic bank audit courses.]]>
<![CDATA[The Role Of Islamic Business Ethics In The Relationship Between Adaptability And The Business Performance Of Syariah Financial Institutions ]]>
<![CDATA[Putranto, Agus]]>;
<![CDATA[Trihudiyatmanto, Muhammad]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 1 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.1.8079
<![CDATA[Purpose - This study was to analyze how much influence adaptability has on business performance. The variables studied were independent variables consisting of adaptability variables and the dependent variable was business performance with Islamic business ethics as a moderating variable.Method - The research data were obtained from BMT Marhamah employees in Wonosobo Regency. Sampling from the population using the census sampling method. The data were collected using a survey method, namely the questionnaire was delivered and taken directly to the research object. Data analysis used the Structural Equation Modeling (SEM) test by checking the independent variables, moderating variables and dependent variables.Result - From the research that has been done, it is found that adaptability has an effect on business performance at BMT Marhamah Wonosobo. Islamic business ethics affect business performance at BMT Marhamah Wonosobo. adaptability has an effect on business performance at BMT Marhamah Wonosobo with Islamic business ethics as a moderating variable. This means that Islamic business ethics moderates the relationship between adaptability and business performance at BMT Marhamah Wonosobo.Implication - This study examines Micro Syariah Financial Institutions in Indonesia.Originality- There is a difference between theory and practice in Islamic Microfinance Institutions in Indonesia. ]]>
<![CDATA[The Effect of Margin Income and Shares of Results on Net Profit Achieved In BRI Syariah ]]>
<![CDATA[Azizah, Astri Anantasari]]>;
<![CDATA[Mujaddid, Ade Yusuf]]>;
<![CDATA[Farida, Dessy Noor]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 1 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.1.8158
<![CDATA[AbstractPurpose - This study aims to analyze the effect of murabahah margin income, istishna 'margin income, mudharabah profit sharing, and musyarakah revenue sharing on net profit at BRI Syariah Bank during 2014-2019.Method - The research approach used in this research is a quantitative approach. In determining the sample, the research was carried out by using purposive sampling method. In this study, data was collected from secondary data, through quarterly financial reports published by Bank BRI Syariah in 2014-2019. The data analysis technique used is multiple linear regression data analysis techniques, Where researchers can conduct research between two or more independent variables on the dependent variable.Result - The results show that murabahah margin income has a negative and insignificant effect on net profit, istishna 'margin income has a negative and insignificant effect on net income, the profit sharing income from mudharabah has a positive and significant effect on net profit, and the profit sharing income for musyarakah has a negative and negative effect. not significant to net income during 2014-2019.Implication - This study uses BRI Syariah Financial Report data.Originality- This study looks at the relationship between the variable margin income and profit sharing income on the net profit variable generated by Bank BRI Syariah. ]]>
<![CDATA[Analysis of Abnormal Returns Before and After the Announcement of the Merger of State-Owned Sharia Banks ]]>
<![CDATA[Putri, Indah Amalia]]>;
<![CDATA[Mubarok, Ferry Khusnul Mubarok]]>;
<![CDATA[Wahyudi, Rofiul]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 2 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.2.10097
<![CDATA[AbstractPurpose - This study aims to examine the capital market's reaction to the merger of BUMN Syariah Banks, which is seen as abnormal returns at PT Bank BRI Syariah Tbk.Method - The data for this study were taken ten days before and ten days after announcing the BUMN Sharia Bank merger. The data was processed by paired sample t-test using SPSS.Result - Based on the analysis and discussion results, it shows that there is no market reaction to the announcement of the signing of the BUMN Islamic bank merger on BRIS shares as seen from the abnormal returns before and after the signing of the merger, which there is no significant difference.Implication - This can happen because the world is currently facing the COVID-19 pandemic, which causes market uncertainty. In addition, abnormal returns are not the only indicator to measure the wealth created by an event. Another factor that causes no significant difference in abnormal returns is that the data used in the event window research is daily and short enough to have no visible reaction. Furthermore, the issue of a merger has also been circulating before the announcement of the signingOriginality- This article examines abnormal returns before and after the announcement of the merger of State-Owned Sharia Banks ]]>
<![CDATA[Marketing Strategy For Wadiah Easy Saving BSI Products In The 4.0 Industry Era ]]>
<![CDATA[Hidayah, Nurul]]>;
<![CDATA[Musfiroh, Mila Fursiana Salma Musfiroh Fursiana Salma]]>;
<![CDATA[Hinawati, Titik]]>;
<![CDATA[Purwanto, Heri]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 2 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.2.10099
<![CDATA[AbstractPurpose - This study aims to determine the marketing strategy used in marketing the Easy Wadiah Savings BSI product in the industrial era 4.0.Method - This research is a field research with a qualitative approach. Data collection techniques used are observation, interviews and documentation. The data obtained is then reduced, display data, and draw conclusions.Result - The results of the research at Bank Syariah Indonesia KCP Banjarnegara showed that the marketing strategy used was the 4P (Product, Price, Place, Promotion) marketing mix in marketing the BSI Easy Wadiah Savings product in the industrial era 4.0 which could attract customers to open a BSI Easy Wadiah Savings account. at Bank Syariah Indonesia KCP Banjarnegara so that every month there is an increase. Banks in marketing their products have encouraging and inhibiting factors. There are still many customers who have not followed the development of the industrial era 4.0 so they have not been able to maximize the convenience of the facilities offered by banks.Implication - This research can be used as a reference in marketing Easy Wadiah Savings BSI products in the 4.0 industrial era.Originality - The marketing strategy used in marketing the Easy Wadiah Savings BSI product in the industrial era 4.0 is to utilize the use of the BSI Mobile application to make it easier for customers to open accounts online and perform other banking transactions.]]>
<![CDATA[Comparative Study of The Effect of Supervision and Leadership on Work Discipline on Male and Women Workers in Sharia Banking Institutions in Semarang City Banks ]]>
<![CDATA[Sijabat, Rauly]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 2 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.2.10100
<![CDATA[AbstractPurpose - This study aims to examine the effect of supervision and leadership on work discipline and to determine whether or not there are differences in work discipline among male and female workers in Islamic banking institutions in Semarang City.Method - The data collection needed was done through interviews using questionnaires and analysed using a regression test approach to test the effect between variables and a comparative test to examine differences in work discipline behaviour based on gender.Result - The results of the tests carried out in this study indicate that employee work discipline can be explained by supervision and leadership. This study also shows that there are no differences in work discipline for male and female employees who work in Islamic banking institutions in Semarang City.Implication - There is no difference in work discipline for male and female employees, so to improve work discipline, it is done by increasing supervision and leadership that applies fairly and equitably to male and female employees.Originality- Variables developed to explain work discipline behavior based on the results of previous research and have relevance to empirical phenomena. This study was also conducted a comparative study of work discipline behavior based on gender which had never been done in previous research. ]]>
<![CDATA[Analysis of Electronic Channel Service Quality on Customer Satisfaction of Bank Syariah Indonesia (BSI) During the Covid-19 Pandemic ]]>
<![CDATA[Amora, Ivone Fradia]]>;
<![CDATA[Supriyanto, Supriyanto]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 2 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.2.10101
<![CDATA[AbstractPurpose - This study aims to examine and analyze how the influence of Electronic Channel (E-Channel) service quality on customer satisfaction of Bank Syariah Indonesia.Method - The research uses a quantitative approach. The population used in this study is the customers of Bank Syariah Indonesia using E-Channel. With the number of samples in this study amounted to 100 respondents.Result - The variables of reliability, privacy and easy to use have a positive and significant effect on customer satisfaction. Meanwhile, the efficiency variable has a negative and significant effect on customer satisfaction. And for the design variable has no effect on customer satisfaction.Implication - The implication is that the quality of e-channel services (electronic channel) provided by the bank will affect customer satisfaction.Originality - This study analyzes the quality of service in the E-Channel includes five components, namely Reliability, Efficiency, Privacy/Security, Design, and Easy to Use on customer satisfaction.]]>
<![CDATA[The Influence of Communication Skill, Giving Incentives, Career Opportunities, Commitment and Organizational Culture on Employee Performance KSPPS Koperasi Pemuda Buana (KOPENA) Pekalongan ]]>
<![CDATA[Sukardi, Sukardi]]>;
<![CDATA[Aminah, Siti]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 2 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.2.10102
<![CDATA[AbstractPurpose - The purpose of this research to determine the Effect of Communication Skills, Incentives, Career Opportunities, Commitment and Organizational Culture on Employee Performance KSPPS Pemuda Buana Cooperative (KOPENA) Pekalongan.Method - The population in this study were 50 employees of the KSPPS Pemuda Buana Cooperative (KOPENA) Pekalongan. The sampling method that will be used in this study is the census sampling method of 50 respondents. Data analysis used multiple linear regression analysis.Result - The results of this study concluded that there is a positive and significant effect of communication skills. There is a positive and significant effect of providing incentives. There is a positive and significant influence of career opportunities. There is a positive and significant effect of commitment. There is a positive and significant influence of organizational culture.Implication - The implication is that communication skills, incentives, career opportunities, commitment and organizational culture will affect employee performance.Originality - This study analyzes Communication Skills, Incentives, Career Opportunities, Commitment and Organizational Culture will affect Employee Performance.]]>
<![CDATA[Marketing Strategy on Hasanah Saving Products at KSPPS Berkah Mitra Hasanah Semarang ]]>
<![CDATA[Nurudin, Nurudin]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 2 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2021.3.2.10104
<![CDATA[AbstractPurpose - This study aims to find out what a hasanah savings product is and the marketing strategy implemented by KSPPS Berkah Mitra Hasanah Semarang.Method - This research is a type of field research conducted at KSPPS Berkah Mitra Hasanah Genuk Semarang to explore relevant data or primary and secondary data sources. The author collects data by interview, observation, and documentation. The collected data is then analyzed by analytical descriptive method.Result - The marketing strategy carried out by KSPPS Berkah Mitra Hasanah is advertising by KSPPS Berkah Mitra Hasanah in the form of brochures, internet, MMT and souvenirs. In addition to advertising, there is also personal selling, in practice marketing KSPPS Berkah Mitra Hasanah serves and influences, offers, and directly disseminates its products to partners. There is also publicity carried out by KSPPS Berkah Mitra Hasanah through tausiyah activities at the school foundation which is a mandatory activity once a month in the last week of the month accompanied by door prizes.Implication - This research can be used as a reference in marketing KSPPS Berkah Mitra Hasanah hasanah savings products.Originality- The marketing strategy used in marketing KSPPS Berkah Mitra Hasanah hasanah savings products in Semarang is through advertising in the form of brochures, internet, MMT and souvenirs, besides that there are tausiyah activities and door prizes. ]]>
