cover
Contact Name
Nurudin
Contact Email
al_arbah@walisongo.ac.id
Phone
+6285236605533
Journal Mail Official
al_arbah@walisongo.ac.id
Editorial Address
Gedung Fakultas Ekonomi dan Bisnis Islam UIN Walisongo Semarang Jl Prof. Dr. Hamka Kampus III Ngaliyan Semarang 50185
Location
Kota semarang,
Jawa tengah
INDONESIA
AL-ARBAH: Journal of Islamic Finance and Banking
ISSN : 27163946     EISSN : 27162575     DOI : 10.21580/al-arbah
Core Subject : Economy,
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
Analysis of The Influence of Audit Committee, Sharia Supervisory Board, and Islamic Work Ethic on The Quality of Sharia Bank Financial Statements in Indonesia Iwan Budiyono; Chansera Kista Sabilla
AL-ARBAH: Journal of Islamic Finance and Banking Vol 3, No 1 (2021)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2021.3.1.8066

Abstract

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.
Analysis Of The Effect Of Islamic Product Attributes, Servicescape, And Interpersonal Communications On Customer Satisfaction Bank BTN Syariah KCPS Ngaliyan Nurudin Nurudin; Khoirul Anwar; Hidayaturrosyida Hidayaturrosyida
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.2.7328

Abstract

Purpose - This study aims to determine the effect of Islamic product attributes, service scape, interpersonal communication on customer satisfaction at Bank BTN Syariah KCPS Ngaliyan.Method - The method used in this research is quantitative method, where this method is carried out by distributing questionnaires to BTN Syariah KCPS Ngaliyan customers. Samples were taken as many as 100 respondents with incidental sampling technique.Result - The results show that the variable attributes of Islamic products, servicescape, and interpersonal communication have a positive and significant effect on customer satisfaction of BTN Syariah KCPS Ngaliyan.Implication - This research can be used for references related to matters that affect customer satisfaction.Originality- This study analyzes the variable attributes of Islamic products, servicescape, and interpersonal communication on customer satisfaction. 
E-Money Based Boarding School Cooperative Development Model (Kopontren) As An Sharia Economic Acceleration Effort In Indonesia Marwini Marwini; Annisa Nur Salam
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 1 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.1.5496

Abstract

AbstractPurpose - This research aims to know E-money based boarding school cooperative (Kopontren) development models.Method - This research is used descriptive qualitative by discussing the development of the co-model with sharia economic agreements and e-money as a transaction tool.Result - The results of the research showed three models, namely development model of Islamic boarding school cooperative (Kopontren) as community economy developer, model of sharia agreement implementation in Kopontren operations, and e-money application as transaction media in Kopontren business unit.Implication - This study uses the data from the study of literature.Originality- The paper looks into the development model of the co-op with e-money based. Previous studies have only focused on development models. This paper contributes to introducing the application of an inclusive financial system. 
Factors To Influence Employee Performance In Bank Tabungan Negara Sharia Semarang Avita Puji Ilahi; Arif Afendi
AL-ARBAH: Journal of Islamic Finance and Banking Vol 1, No 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4108

Abstract

AbstractPurpose - This research aimed to know the analysis of the influence of work experience, education, and work motivation on the employees’ performance of BTN Syariah KCS Semarang..Method - This research used primary data namely questionnaire which used Likert scale as the calculation scale, and also documentation given by the employees’ of BTN Syariah KCS Semarang. The samples of this research were 73 employees’. To analyse the data, the writer used multiple linier regression method and SPSS 16 version.Result - The result of the research showed that work experience had positive and significant effect toward employees’ performance, education had positive and significant effect toward employees’ performance, and work motivation had positive but nit significant effect toward employees’ performance. It showed that work experience, education, and work motivation had positive and significant effect toward employees’ performance.Implication - This study uses the data from only one Islamic bank.Originality - The paper looks into the determinant factors ofemployees’ performance at BTN Syariah Semarang. Previous studies have only focused on employees’ performance in conventional banks. On the other hand, this paper contributes to the empirical literature, giving a clearer picture of the determinants of employees’ performance of Islamic banks.
The Effect of Promotion on Interest in Opening an Account at Bank Muamalat, Palu Branch Gita Dolita; Hilal Malarangan; Malkan Malkan
AL-ARBAH: Journal of Islamic Finance and Banking Vol 3, No 1 (2021)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2021.3.1.7645

Abstract

Purpose - The purpose of this study was to determine whether promotion has an effect on the interest of Islamic banking students in opening an account at the hammer branch of the muamalat bank and to find out how significant the effect of promotion is on student interest in opening an account at the hammer branch of the muamalat bank.Method - This study uses primary data, namely a questionnaire that uses a Likert scale as a calculation scale. The sample of this study was 485 students of the Faculty of Economics and Islamic Business IAIN Palu, Department of Islamic Banking from class 2016 to class 2018. To analyze the data, the authors used multiple linear regression methods and SPSS version 21. Result - Research result shows that the magnitude of the influence of the variable (X) on the variable (Y) is 0.388 or 38.8%. These results can provide an illustration that respondents (students) view that promotion can influence student interest in opening an account at a muamalat bank and promotion has a significant effect on student interest in opening an account at a muamalat bank. it can be seen that the promotion variable (X) has a value of tcount 3.783 t table 1.663 and has a significant value (sig) of 0.000 in the coefficients table with a value of α (significant level) 0.05. This means 0.000 0.05.Implications - This study is only limited to using data from several students in one university. Originality-. The difference with previous research is in the location and object under study. 
Comparative Study of Development and Performance Evaluation Sharia Microfinance Institutions in Indonesia Kartika Marella Vanni; Riska Wijayanti
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.2.7229

Abstract

Purpose - This paper aims to determine the role of Islamic Microfinance Institutions (LKMS) in Indonesia and to make comparisons between theory and practice in the field.Method - The method used is a descriptive qualitative approach in which data collection is taken from a study of various literature and then compared with previous studies related to the discussion.Result - Sharia Microfinance Institutions theoretically play a role to help improve the national economy and alleviate community poverty by embracing the lower class and all remote areas. Meanwhile, empirically, Islamic Microfinance Institutions have tried to carry out their operational activities in accordance with the provisions and principles of Sharia, but there are still internal and external constraints.Implication - This study examines Islamic Microfinance Institutions in Indonesia.Originality - There are differences between theory and practice in Islamic Microfinance Institutions in Indonesia.
Risks Of Sharia Commercial Bank In Indonesia: Analysis Of Internal And External Factors Erlinda Kurnia Aufa; Cita Sary Dja'akum
AL-ARBAH: Journal of Islamic Finance and Banking Vol 1, No 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4137

Abstract

Purpose - This study aims to analyze the effect of inflation, gross domestic product (GDP), capital adequacy ratio (CAR), and financing to deposit ratio (FDR) to non performing financing (NPF) at Islamic Commercial Banks in Indonesia.Method - The research approach used is a quantitative approach. Determination of samples is done by purposive sampling method. The data used is secondary data, obtained from publication reports on the official website of each Sharia Commercial Bank, Bank Indonesia, and the Central Statistics Agency. The population in this study were all Islamic Commercial Banks registered in the Statistics of Islamic Banking in Indonesia for the period 2013-2017. Based on the specified criteria, five Sharia Commercial Banks were obtained as research samples. This study uses panel data regression analysis with the Fixed Effects Model approach which is processed through the Eviews 10 program.Result - The results of hypothesis testing show that partially Inflation has a positive but not significant effect on NPF, GDP has a significant negative effect on NPF, CAR has a negative but not significant effect on NPF, and FDR has a significant negative effect on NPF. Simultaneously inflation, GDP, CAR, and FDR have a significant effect on NPF.Implication - This study uses all data from commercial Islamic bank.Originality - This study analyzes the determining factors that influence financing risks from both internal and external factors.
Effect of Service Quality, Product Quality, and Trust In Customer Satisfaction (Case Study at Bank BRI Syariah KCP Kendal) Heny Yuningrum; Muyassarah Muyassarah; Risma Dewi Astuti
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.2.7425

Abstract

Purpose - This study aims to determine the effect of service quality, product quality, and trust on customer satisfaction (a case study at Bank BRI Syariah KCP Kendal).Method - The type of research carried out is a quantitative approach. The study population was all customers at Bank BRI Syariah KCP Kendal using the incidental sampling technique. Data were collected through a questionnaire or questionnaire with a Likert scale. This study uses validity and reliability tests, then classic assumption test, t test, F test, determination test and multiple linear regression equation test.Result - The results of this study are (1) service quality has a positive and significant effect on customer satisfaction (2) product quality has a positive and significant effect on customer satisfaction (3) trust has a positive and significant effect on customer satisfaction (4) service quality, product quality, and Trust together has a positive and significant effect on customer satisfaction.Implication - The implication is that service delivery and product quality as well as the trust given by the bank will affect customer satisfaction.Originality - This study shows that these three variables have a significant correlation to customer satisfaction.
Investor Behavior In Green Investment Information Intan Puspitasari; Sugeng Wahyudi; Irene Rini Demi Pangestuti
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 1 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.1.5497

Abstract

AbstractPurpose - This study aims to analyze the behavior of investors towards voluntary disclosure in the form of green investment information.Method - This research is using qualitative descriptive method, the data will be taken and collected from several literatures and literature studies.Result - The result of this research indicates that there are investors’ behaviors in voluntary disclosure of green investment information.The first, green investor refers to the investors rejecting to the stocks that do not receive green investment, investor will react positively if a disclosure of green investment information stands.The second, the investors react negatively by giving pessimistic respond towards green investment, investors who do not have choice of shares from other companies.Implication - This study uses the data from study of literature.Originality - This research develops several old and new theories related to green investment and it is applied using certain different types of companies as the objects.
Implementation Of Electronic Money In Developing Payment Transactions Through Islamic Economic Perspective Abdul Majid Toyyibi
AL-ARBAH: Journal of Islamic Finance and Banking Vol 1, No 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4098

Abstract

AbstractPurpose - By upholding the value of sharia principles economic activities. Electronic money is a financial transaction that is used by the community as a substitute for cash, and ottopay is part of it, to help become a financial intermediary with an electronic system through QR and billers.Method - The research is based on researching ottopay in its transactions by using a descriptive qualitative.Result - From the research method process used in the study resulted in the study that the implementation of ottopay in topping up by filling directly via the bank ATM or through an agent by clicking the wallet menu then top up and following the steps until the confirmation is successful and the balance is ready whenever it can be used.Implication - The existence of the Ottopay system is a support for the community to be able to think forward in the world of finance and technology, in addition, ottopay can be used as a business opportunity to provide benefits in the form of added value in the form of turnover that can be owned by merchants and can be used as additional income for the community.  Originality - The implementation of ottopay between users and publishers and users and merchants is in accordance with the rules of the DSN MUI fatwa, therefore the benefits of the ottopay application can guarantee security, easy and practical use so that people's economic turnaround is faster because it has an electronic digital system.

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