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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 185 Documents
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Islamic Ethical Leadership: Improving the Performance of Sharia Financial Institutions with CSR during the Covid 19 Pandemic Trihudiyatmanto, Muhammad; Asmarajati, Dian
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 2 (2021)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2021.3.2.10159

Abstract

AbstractPurpose - This research was conducted with the aim of identifying the relationship between Islamic Ethical leadership on organizational performance with social responsibility as a mediation moderated by the covid 19 pandemic.Method - The research data were obtained from BMT Al-Amin located in Wonosobo Regency, Central Java Province. Samples were taken from the population using census sampling. Data collection is taken directly from the object of research through a questionnaire. Then the data were analysed by Structural Equation Modelling (SEM) with Amos software version 20.Result - From the research that has been done, it is found that Islamic Ethical leadership has an effect on organizational performance at BMT Al-Amin. CSR apparently does not mediate the relationship of Islamic Ethical leadership to organizational performance. And the COVID-19 pandemic has also not moderated CSR's relationship to organizational performance.Implication - This study uses data on BMT Al-Amin, Wonosobo Regency, Central Java Province.Originality- This paper looks at the relationship of ethical leadership to organizational performance with social responsibility as a mediation moderated by the covid 19 pandemic in order to support the creation of BMT growth in Wonosobo Regency during the covid 19 pandemic which is influenced by ethical leadership attitudes through CSR. 
The Effect Of Satisfaction, Trust And Continuance Intention On Mobile Banking User Loyalty Andani, Atika Dwi; Hidayat, Farid
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14661

Abstract

AbstractPurpose - This study aims to determine whether the satisfaction and trust of Islamic bank customers using mobile banking has an effect on loyalty with continuance intention as a mediating variable.Method - The type of data used in this research is primary data by distributing questionnaires and interviews. The population in this study are Islamic bank customers who use mobile banking in Yogyakarta and for the sampling technique using purposive sampling technique with a total of 100 respondents. The data analysis technique used in this research is with the help of SEM PLS 03.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 - 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.Originality- variables developed to explain the effectThe variables of satisfaction and trust on the loyalty of mobile banking users with continuance intention as a mediating variable have relevance to empirical phenomena. This research has never been done before, especially for Islamic bank mobile banking users in Yogyakarta. 
The Financing Structure of Islamic Banks: A Comparative Study Mardhiyaturrositaningsih, Mardhiyaturrositaningsih
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14662

Abstract

AbstractPurpose - This study aims to analyse the  financing structure of Islamic Commercial Bank and Islamic Business Unit. This Study Compare the financing structure before and during the Covid-19 pandemic.Method - This research is using The comparative research method to determine differences in the financing structure of Islamic Banks before and during the Covid-19  period.Result - The result of this research indicates that the financing structure of Islamic Commercial Banks and Islamic Business Units based on the type of shari’ah compliant contract and the type of usage shows differences before and during the covid-19 pandemic. The decrease is shown in financing with mudharabah and ijarah contracts.Implication - The research indicates that the Bank has been impacted by the Covid-19 pandemic as indicated by changes in the financing structure of the banking system. Banks need to determine the right strategy in this situation.Originality- This study conducted a financing test based on the type of contract and the type of usage. This study identified two conditions in the period before and during the pandemic.  
Mapping The Field of Islamic Mutual Finance in Indonesia Siregar, Rizal Ma’ruf Amidy; Cahyani, Utari Evy; Sari, Dia Purnama
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14663

Abstract

AbstractPurpose - This study aims to find a comprehensive literature on Islamic mutual funds in Indonesia.Method - This study uses a qualitative approach with bibliometric analysis.Result - The results of the study identify leading academic authors, journals, and institutions related to Islamic mutual funds in Indonesia. Several popular topics and keywords for the theme of Islamic mutual funds in Indonesia have the potential to be studied further, especially related to the behavior of Islamic mutual fund investors in Indonesia.Implication - The importance of investor behavior for the development of the Islamic mutual fund industry in Indonesia.Originality - This study uses 101 publications indexed in the Dimensions database from 2006 to 2022. The keywords used in the data search are “Islamic mutual funds” AND “Indonesia”
Analysis of Financing Risk Management Implementation at Baitul Maal Wat Tamwil Nadina, Ainu; Mubarok, Ferry Khusnul; Haryati, Yuli
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14664

Abstract

AbstractPurpose - This study aims to analyze the implementation of financing risk management in Sharia Cooperatives at BMT UAS Pamotan.Method - The method uses a qualitative approach, using primary data from interviews with the finance staff and reading from various references.Result - The implementation of financing risk management at BMT UAS Pamotan is through two approaches, namely internal and external. Internal approach by anticipating various possible risks, namely through management audits and evaluations. Meanwhile, externally through service maximization, and tightening 5C (Character, Capacity, Capital, Collateral, and Conditions).Implication - There needs to be a closer method between the BMT and partners (customers) so that the possibility of financing risks arising can be minimized.Originality- Analyzing qualitatively related to existing financing in Islamic microfinance institutions.  
Exploratory Factor Analysis: Analysis of Islamic Bank Sustainability Factors in Facing the Disruption of the Industrial Revolution Muheramtohadi, Singgih; Huda, Choirul; Adila, Retno Septia
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14667

Abstract

AbstractPurpose - In this study, researchers are interested in analyzing the factors of resilience (sustainability) that must exist or be carried out by Islamic banks to challenge the disruption of the industrial revolution 4.0.Method - This research is quantitative research. The research approach is exploratory which has the intention to obtain a description and understanding of the problems experienced by researchers. The instrument in this study was a questionnaire which was then tested for validity and reliability. After the data has been collected, the data is tested with the stages of testing confirmatory factor analysis data which is able to reduce a number of variables into several dominant factors that affect the sustainability of Islamic banks in facing the disruption of the industrial revolution 4.0.Result - This study concludes that: 1) 18 variables each have a Measure of Sampling Adequacy (MSA) value higher than 0.5 and are categorized as having met the adequacy of the sample. 2) Factor analysis is suitable for simplifying the group of 18 variables. 3) Two dominant factors are formed, which are called the customer's financial benefit factor and the customer's safety and comfort factor.Implication - This research helps Islamic banks to remain sustainable from the onslaught of the disruption of the Industrial revolution 4.0 based on the variables of customer desires.Originality - This study focuses more on Islamic banking instead of professional banking as in previous studies and in the analysis the researcher uses exploratory factor analysis to determine the dominant factor from  series of variables. The study is different from previous research.
The Role Sharia Non-Bank Financial Institutions To Support SDGS Program Trimulato, Trimulato
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14668

Abstract

AbstractPurpose - The purpose of this study is to describe the development of sharia IKNB and the role of Sharia IKNB to support SGDs.Method - The type of research used is qualitative with literature study. The analytical technique used is descriptive qualitative describing the development of Sharia IKNB, and the role of Sharia IKNB to support realization of the SDGs.Result - The results show the development of Sharia IKNB in the period from October 2020 to April 2021, Sharia Insurance assets grew by 6.26 percent, Pension Fund Institutions assets grew by 17.79 percent, Sharia Microfinance Institutions assets grew by 2.24 percent, Sharia Fintech Institutions assets grew by 85.54 percent. Meanwhile, Sharia Financing Institutions experienced a decrease in assets of -7.78 percent and Sharia Pawnshops experienced a decrease in assets of -6.95 percent. Certified halal products in 2021 grew by 2,531.49 percent.Implication - Sharia IKNB supports SDGs to achieve the goal of reducing hunger, sharia IKNB can support the real sector, and also has a social aspect. SDGs achieve prosperity in line with the Islamic economic function of income distribution.Originality - The research a more in-depth study of the role of Islamic finance in supporting the Sustainable Development Goals (SDGs) program. Researchers identify the role of Sharia Insurance, Sharia Financing Institutions, Pension Fund Institution, Sharia Pawnshop, Sharia Microfinance Institutions and Sharua Financial Technology. 
Competence Development Of Sharia Banking Employees In Supporting Career Path Yuningrum, Heny; Zaenuri, Zaenuri; Saputra, Mochamad Toriq Rasyal Aditya
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14669

Abstract

AbstractPurpose - The purpose of this research is to provide accurate information on what skills are needed by a banking employee in the world of work and what training is needed to enhance their career.Method - This research uses a type of qualitative research with a descriptive approach. And the techniques used are survey techniques, case studies, comparative studies, studies of time and motion spans, behavior analysis, and documentary analysis.Result - To develop the competence of serving candidates, especially students, is really needed to survive the competition workplace in this current era of digitalization. The Universities must be able to discuss and find the information from the stakeholders in this case is sharia banking. The letter of degree or bachelor only supports the competence not the main to work. The result of the Forum Discussion Group (FGD) is that the curriculum must have Management knowledge, Leadership, Teamwork and Skills. While that skill was include Content writing, Business analysis, Analytical reasoning, Digital marketing, Cloud computing, Critical thinking. And the strategy to develop student competence is beauty class training, teamwork training, performance grooming training, compute training, account training and graphic design training.Implication - This research can be a recommendation to educational institutions or universities and even financial institutions themselves to improve the skills of their employees or when recruiting new employees.Originality- Employee competency development can be used by banking institutions or educational institutions to improve the skills of their employees in facing the current digitalization era. 
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.

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