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
118 Documents
<![CDATA[Marketing Strategy For Wadiah Easy Saving BSI Products In The 4.0 Industry Era ]]>
<![CDATA[Nurul Hidayah]]>;
<![CDATA[Mila Fursiana Salma Musfiroh Fursiana Salma Musfiroh]]>;
<![CDATA[Titik Hinawati]]>;
<![CDATA[Heri Purwanto]]>
<![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[Islamic Ethical Leadership: Improving the Performance of Sharia Financial Institutions with CSR during the Covid 19 Pandemic ]]>
<![CDATA[Muhammad Trihudiyatmanto]]>;
<![CDATA[Dian Asmarajati]]>
<![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.2021.3.2.10159
<![CDATA[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. ]]>
<![CDATA[Factors Affecting Student Interest Of Al-Quran Wonosobo Science University To Saving In A Syariah Bank ]]>
<![CDATA[mahgalena mahgalena]]>;
<![CDATA[Wahab Wahab]]>;
<![CDATA[Choirul Huda]]>
<![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.2021.3.1.8064
<![CDATA[Purpose - This study aims to examine the effect of knowledge, location and religiosity on the interest of students at the University of Sains Al-Quran Wonosobo to save in Islamic bank.Method - This research uses a type of field research with a quantitative approach. Sources of data in this study are primary data obtained from the results of a questionnaire by scoring using a likert scale. The population o this research is 100 students. In data analysis, the data analysis technique used is multiple linear regression analysis.Result - The result showed that knowledge had a significant effect on interest in saving in Islamic bank, while location and religiosity did not significantly influence the interest in saving at Islamic banks. Then knowledge, location and religiosity simultaneously affect the interest in saving at Islamic banks.Implication - This research can be used as input in getting customers with a high amount of savings in Islamic banks.Originality - This study looked at the factors that influence the interest of students at the University of Sains Al-Quran Wonosobo to save in Islamic banks This research can be used as input in getting customers with a high amount of savings in Islamic banks.. In this study focused on 3 variables, namely variables of knowledge, location and religiosity.]]>
<![CDATA[Effect of FDR, NPF and Inflation on the Profitability of Bank BNI Syariah ]]>
<![CDATA[Zia Firdaus Nuzula]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2020.2.2.7261
<![CDATA[Purpose - This study aims to determine the effect of the amount of financing, financing problems and inflation on the profitability of Bank BNI Syariah. In addition, it is also to determine what variables have the most influence on the level of profitability.Method - This study uses secondary data from time series (time series). The research data is sourced from Bank BNI Syariah and BPS from the first quarter of 2011 to the first quarter of 2020. The data analysis method uses the Vector Error Correction Model (VECM) with the Eviews 10 software toolResult - The results showed that the amount of financing has a positive relationship with the profitability of Bank BNI Syariah. Non-performing financing and inflation have a negative relationship with the profitability of Bank BNI Syariah. Meanwhile, based on the variance decomposition, problematic financing is the variable that provides the largest contribution to the profitability of Bank BNI Syariah.Implication - The ratio of non-performing financing should be suppressed as much as possible so as not to reduce profitability.Originality- This study uses the VECM method to determine the factors that affect the profitability of Islamic banks. ]]>
<![CDATA[The Analysis Of Musyarakah Contract Sharing System Implementationin BPRS Saka Dana Mulia Kudus ]]>
<![CDATA[Nur Huda]]>;
<![CDATA[Fitri Fajri]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol 1, No 1 (2019) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2019.1.1.4159
<![CDATA[Purpose - This research aims to know how the implementation of revenue sharing system to Musyarakah finance and to know the Conformity between the implementation done with Fatwa DSN No.08/DSN-MUI/IV/2000.Method - The study uses a qualitative descriptive approach with a type of case study research.Result - The results showed that a). the implementation of revenue sharing system to Musyarakah finance in BPRS Saka Dana Mulia uses projections or estimates between 1,75% - 2,5% multiplied by the bank's capital. This revenue sharing system has been determined at the beginning of the nominal magnitude of the result for which the customer must be deposited every month. But the bank continues to see the customer's business, when the customer's business suffered losses that are not caused by human error then the bank and the customer will renrenegotiate regarding the outcome.b). The implementation of Musyarakah finance to PT. BPRS Saka Dana Mulia which has been adjusted to Fatwa DSN No.08/DSN-MUI/IV/2000 located at the statement of ijab qabul, contract object (capital, work, andloss), Operational costs and disputes. While that is still not appropriate, that is in the part of the object contract about the profit.Implication - This research is only researching in PT. BPRS Saka Dana Mulia Kudus.Originality - there are differences in the division of sharing system between theories and practices implemented in BPRS Saka Dana Mulia. ]]>
<![CDATA[Optimization Of Financial Inclusion Through Sharia Banking Redistributive Instruments ]]>
<![CDATA[Novia Nengsih]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2020.2.2.7426
<![CDATA[Purpose - This study aims to analyze the optimization of financial inclusion using Islamic banking redistributive instruments.Method - This study aims to analyze the optimization of financial inclusion using Islamic banking redistributive instruments.Result - The main finding of this research is that Islamic banking can optimize financial inclusion using the redistributive instruments of syari'ah banking, namely zakat, Qardul Hasan, and other merit funds. This is indicated by the growth of zakat funds, benevolence funds, and increased qardul hasan financing.Implication - This research can be used as a reference to determine the optimization of financial inclusion by Islamic banking using the redistributive instrument of zakat, qardhul hasan, and other merit funds.Originality - This study analyzes the optimization of financial inclusion through the redistributive instrument of Islamic banking with qualitative and quantitative approaches.]]>
<![CDATA[Factors That Affect Savings In Islamic Banking ]]>
<![CDATA[Putri Cahya Rosyadah]]>;
<![CDATA[Nur Rachmat Arifin]]>;
<![CDATA[Ridan Muhtadi]]>;
<![CDATA[Mohamad Safik]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 1 (2020) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2020.2.1.5499
<![CDATA[AbstractPurpose - The purpose of this study is to examine the effect of macroeconomic variables on the amount of savings in Islamic banks in Indonesia.Method - This study use quantitative research type using secondary data using OLS (ordinary least square) analysis which aims to examine the independent variable on the dependent variable.Result - The results of this study indicate that inflation and exchange rate variables do not affect the amount of savings, M2 variable has a positive and significant effect on the amount of savings. While the SBI variable has a negative and significant effect on the amount of savings.Implication - This study uses the data from Central bank of IndonesiaOriginality - This study uses several macroeconomic variables that are used to test its effect on the amount of savings in Islamic banking. By using secondary data taken from official government institutions for several years. The results show that macroeconomic variables greatly affect the customer's decision to save in Islamic banking.]]>
<![CDATA[Respons Of Islamic Stock Markets To Monetary Policy Empirical Evidence from Indonesia ]]>
<![CDATA[Muhammad Rasyidin]]>;
<![CDATA[Zunaidah Sulong]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol 1, No 1 (2019) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2019.1.1.4437
<![CDATA[AbstractPurpose - The impact of stock market and capital formation on economic growth in Indonesia for the period of January 2015 – May 2019. This paper examines a long-run equilibrium relation between stock market, capital formation and economic growth and other control variables.Method - This study uses autoregressive distributed lag (ARDL) model.Result - Findings revealed that none of the models was stationary at level but were all stationary at first difference. There is not a short run significant relationship between stock market, capital formation and economic growth in Indonesia. In the long run, capital formation has a significant positive association on economic growth and a negative non-significant relationship between stock market and economic growth in Indonesia.Implication - This research is useful to know the response of Sharia market to monetary policy instruments in Indonesia so that the Sharia stock market strategy is potentially developing in the future to encourage the achievement of characteristics such as An alternative source of financing and investment for economic actors and able to facilitate risk mitigation needs for market participants and able to drive the efficiency of transactions in the market through the improvement of the quality of stock market infrastructure Sharia. Originality - The update of this research is response of Sharia stock market response to monetary policy instruments in Indonesia that are researched using ARDL models.]]>
<![CDATA[The Effect of Margin Income and Shares of Results on Net Profit Achieved In BRI Syariah ]]>
<![CDATA[Astri Anantasari Azizah]]>;
<![CDATA[Ade Yusuf Mujaddid]]>;
<![CDATA[Dessy Noor Farida]]>
<![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[Implementation of Ta'widh (Compensation) for Default Customers at KPR Platinum iB in the Perspective of Fatwa DSN-MUI No.129 / DSN-MUI / VII / 2019 at Bank BTN KCPS Karawaci ]]>
<![CDATA[Abdul Rachman]]>;
<![CDATA[Fikriana Aini]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2020.2.2.7230
<![CDATA[Purpose - This study aims to determine the implementation of ta'widh (compensation) for default customers on KPR Platinum iB in the perspective of Fatwa DSN-MUI No.129 / DSN-MUI / VII / 2019.Method - This study uses a qualitative analysis method with data collection techniques through observation, in-depth interviews and documentation. Purposive sampling technique is used by selecting sources who are considered the most knowledgeable related to the research topic.Result - The results of this study indicate that the implementation of ta'widh for default customers on the KPR Platinum iB is in accordance with the DSN-MUI Fatwa No.129 / DSN-MUI / VII / 2019. But in practice, there are several notes. The implementation of ta'widh and ta'zir at Bank BTN KCPS Karawaci is different. Ta'widh is charged to customers who experience delays in paying their obligations for more than 180 days and the ta'widh funds obtained will be recorded as Bank revenue. Ta'zir will be charged to customers who do not pay installments according to the due date and the ta'zir funds obtained will be recorded as non-halal income.Implication - This research can be used as a reference in measuring the conformity between the DNS-MUI Fatwa No. 129 / DSN-MUI / VII / 2019 with its implementation in the practice of financing in Islamic banks.Originality - This research focuses on analyzingimplementation of ta'widh (compensation) for default customers on KPR Platinum iB in the perspective of Fatwa DSN-MUI No.129 / DSN-MUI / VII / 2019..]]>
