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Hazas Syarif
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Al-Mashrof: Islamic Banking and Finance
Published by Universitas Islam Negeri Raden Intan Lampung
ISSN : 27747166     EISSN : 27463877     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Mashrof : focused on primary studies: Islamic Finance, Islamic Banking, Islamic Accounting, Islamic Management, and halal markets, has initiated the development of global economic advantages. Islamic based economics could not be seen as independent variable standing on side-by-side with conventional economic system. Al-Mashrof Journal of Islamic Banking and Finance is dedicated to provide an intellectual space of scholarly discussion how the Islamic economics able to create the new global formation of Islamic economics, business and similar issues.
Arjuna Subject : Umum - Umum
Articles 59 Documents
 1   2   3   4   5 
Pengaruh Religiusitas Terhadap Minat Masyarakat Menggunakan Produk Perbankan Syariah di Kota Bandar Lampung Hakim, Faqih Wildan; Hasan, Ashari; Putra, Irhamsyah
Al-Mashrof: Islamic Banking and Finance Vol. 3 No. 2 (2022): Al - Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v3i2.13973

Abstract

This study aims to determine the effect of religiosity on people's interest in using Islamic Bank products in the city of Bandar Lampung. The sample in this study used purposive sampling technique. The data used in this study are primary data obtained through questionnaires distributed to the public or prospective customers of Bank Syariah Mandiri in Bandar Lampung city. Based on a sample of 100 respondents using simple regression analysis, it shows that the religiosity variable can affect people's interest in using Islamic bank products by 15.3%. With the results of the analysis showing that the religiosity variable has a significance value of 0.000, it means that the religiosity variable has a positive and significant influence on people's interest in using Islamic bank products. These results provide an opportunity for Bank Syariah Mandiri to increase the socialization of Islamic bank products to the public. Because, with increasing religiosity, the tendency of people to be interested in using Islamic bank products is increasing.
Pengaruh Pembiayaan Mudharabah, Musyarakah, Murabahah Dan Ijarah Terhadap Return On Equity (ROE) Pada Bank BCA Syariah Devi, Yulistia; Ramadhan, Rudiansyah Dwi; Sari, Sherly Etika; Susanto, Is
Al-Mashrof: Islamic Banking and Finance Vol. 3 No. 2 (2022): Al - Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v3i2.14170

Abstract

This study aims to determine the effect of mudharabah, musyarakah, murabahah and ijarah financing on return on equity (ROE). In this research, the approach used is associative research with saturated sampling technique. The data used is secondary data obtained from the quarterly financial statements of Bank BCA Syariah for 2010–2020. In this study using data analysis techniques, namely classical assumption test, multiple linear regression, t test, f test and coefficient of determination (R) with SPSS v 23 software. The results show that partially mudharabah, musyarakah and ijarah financing have no significant effect on ROE while murabahah financing has a positive and significant effect on ROE.
Pengaruh Liputan Media Terhadap Efisiensi Investasi Pada Perusahaan Non Keuangan dalam Perspektif Syariah Selvina, Mia; Aulia, Darlin
Al-Mashrof: Islamic Banking and Finance Vol. 3 No. 2 (2022): Al - Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v3i2.14180

Abstract

This study examines the effect of media coverage on investment efficiency in non-financial companies that trade products according to Islamic law listed in the 2003 DSN-MUI article 3 paragraph 2. Media coverage reduces underinvestment but increases overinvestment. The negative effects of media coverage of under-investment are more pronounced in firms influenced by greater information asymmetry and poorer corporate governance. The positive effect of media coverage on overinvestment is driven by media-driven CEO overconfidence. Additional results show that both in general, higher news optimism is associated with less investment but more investment. In addition, media coverage influences investment efficiency through its information dissemination rather than its information generation function. Collectively, the results of this study indicate that corporate media promotes more investment (overinvestment) than underinvestment (underinvestment).
Reaksi Pasar Modal Sebelum dan Sesudah Pengumuman Pemberlakuan Pembatasan Kegiatan Masyarakat (PPKM) Darurat (Studi pada IDX-MES BUMN 17) Arifah, Choirul; Muhfiatun, Muhfiatun
Al-Mashrof: Islamic Banking and Finance Vol. 3 No. 2 (2022): Al - Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v3i2.14182

Abstract

This research is descriptive quantitative using an event study. This research aims to test and compare the IDX-MES BUMN 17 to the announcement of the emergency PPKM or community activity restriction on July 1, 2021 due to covid-19 pandemic situation. The sample as well as the population in this study used all of the companies listed in IDX-MES BUMN 17. The data analysis method used One-Sample Test and Wilcoxon Sign Rank Test. The daily test with One-sample Test showed that significant abnormal returns at t-9 and t-7. Meanwhile, a compared test with Wilcoxon Sign Rank Test showed that there were differences in abnormal return, security return variability, and trading volume activity before and after the implementation of Emergency Community Activity Restrictions (PPKM Darurat) but not significant on IDX-MES BUMN 17.
ANALISIS COMMON SIZE PADA BANK SYARIAH INDONESIA PASCA MERGER Rifai, Anwar; Faizah, Iva; Mariyanti, Lisa; Lestari, Selvia Indah
Al-Mashrof: Islamic Banking and Finance Vol. 3 No. 2 (2022): Al - Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v3i2.14464

Abstract

Artikel ini disusun bertujuan untuk menganalisis laporan neraca dan laba rugi dari Bank Syariah Indonesia (BSI) pasca merger dengan menggunakan metode analisis common size untuk melihat adakah peningkatan yang signifikan dari kinerja keuangan BSI pasca merger. Metode penelitian dengan pendekatan kuantitatif ini menggunakan data triwulanan untuk tahun penelitian 2021 dan 2022 sehingga menghasilkan 14 data yang kemudian akan dianalisis. Hasil olah data dengan metode common size menunjukkan bahwa pada tahun 2021 kinerja keuangan BSI berfluktuasi terutama karena ada kenaikan dan penurunan pada sisi kas, piutang, dan pendapatan bagi hasil maupun murabahah. Tahun 2022 kinerja keuangan BSI cukup stabil dengan porsi yang seimbang pada pendapatan murabahah dan pendapatan bagi hasilnya meskipun pada sisi kas dan piutang tetap bersifat fluktuatif. 
Analisis Tanggung Jawab Perbankan Syariah Dalam Meningkatkan UMKM Di Kota Medan Putri, Eka Khayana; Rokan, Mustapa Khamal; Syahbudi, Muhammad
Al-Mashrof: Islamic Banking and Finance Vol. 4 No. 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.16058

Abstract

This study aims to identify and examine the responsibilities, as well as the difficulties encountered and the efforts made by PT Bank Syariah Indonesia, Tbk KC Medan S.Parman to increase MSMEs in Medan City. Qualitative research methods are used in this study. Both primary and secondary data sources. The results of the study show that PT Bank Syariah Indonesia, Tbk KC Medan S.Parman is very responsible and contributes actively to the National Economic Recovery (PEN). Has provided financing of up to IDR 36 billion to more than 180 customers in Medan City for various MSME sectors from 2021 to 2022. Access to capital and financing. The obstacles encountered are the lack of innovation, and the lack of business licenses. Efforts are being made to develop MSME centers in Aceh, Yogyakarta and Surabaya, Indonesia, offering the KUR Cluster Program and a number of KUR products, including KUR BSI, KUR BSI Small, KUR BSI Micro, and KUR BSI Super Micro, to help MSMEs get access to capital and financing. In order to advance MSMEs in Indonesia.
The Influence of Service Quality, Promotion, and Knowledge about Al Wadi'ah Products on Customers' Decision to Save in Islamic Banks Susanti, Dwi; Purnamasari, Femei; Hasyim, Diah Mukminatul
Al-Mashrof: Islamic Banking and Finance Vol. 4 No. 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.16482

Abstract

This study aims to determine the effect of service quality, promotion, and knowledge of Al-Wadi'ah products on customers' decisions to save at Bank Syariah Indonesia KCP Kedaton Bandar Lampung. This study uses a type of quantitative research, with data sources namely primary data. The number of samples in this study was 100 respondents, namely BSI customers who used Wadi'ah savings products, and where the research was conducted at BSI KCP Kedaton Bandar Lampung. The results of the research on the t-test for the service quality variable obtained a calculated t value of 2,919 which was greater than the table t value of 1,988. and for the significance value obtained a value of 0.04 <0.05, the promotion variable obtained a t-value of 1.383 which was smaller than the T-table value of 1.988, and for significance obtained a value of 0.170> 0.05, Variable Knowledge of Al-Wadi'ah products Value obtained t Count of 0.797 is smaller than the t-table value, which is 0.560, which is smaller than the t-table value, which is 1.988. For significance, the value is 0.577 > 0.05.
Dynamics of Islamic Banks in the Digital Transformation Era Ardana, Yudhistira; Khofifah, Anggita Nur; Lestari, Dewi Puji
Al-Mashrof: Islamic Banking and Finance Vol. 4 No. 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.17186

Abstract

Islamic banking has developed significantly over the past four decades and today has a global reach. One of the factors hindering Islamic banking in the coming decades is in the realm of financial technology (known as Fintech). Traditional financial methods will be abandoned in the digital age. This study will discuss the topic of financial innovation and technology in Islamic finance, as well as its Islamic parameters. This study employs qualitative secondary techniques using inductive methods to investigate primary data and on the topic, as well as descriptive methods to characterize the growth of fintech in the operations and practices of the Islamic banking industry. Based on the results of the study in this study, all innovations in Islamic finance need to be appreciated and can be seen as benefits (maslahah) for users (customers) and the financial industry as a whole. The results of this study also emphasize the relationship between fintech and shariah compliance which then recommends putting in place a comprehensive shariah governance framework to ensure that fintech operations are fully shariah compliant. Furthermore, authorities and regulators should adopt shariah standards that specifically identify shariah identifications that are important to fintechs.
Analysis of the Implementation of Cashless Payment System Using Quick Response Code Indonesian Standard (QRIS) at the Cafeterias of UIN Raden Intan Lampung Ronaldi, Alvin Destian; Choiriah, Alvi; Asmalia, Ghina; Utamie, Zathu Restie
Al-Mashrof: Islamic Banking and Finance Vol. 4 No. 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.17310

Abstract

This research is classified as a type of qualitative descriptive research. Sources of data in this study use the types of primary data and secondary data. Data collection techniques include observations and interviews to find out information about the financing and payment models of the Cashless System which are developing and widely used in UIN Raden Intan Lampung. After getting the data through observation and interviews, the next is the method of data analysis. After getting the data, the next step is data reduction. This is done to make it easier for researchers when looking for data and make it easier to collect data so that it can be more clearly shown in the form of an overview of the data that has been reduced. The next stage is the presentation of the data and then drawing conclusions that can explain the results of the research conducted. The results of this study state that technological advances, especially on the financial transaction side, are also affected, such as Cashless payments with various channels, including E-Wallet, M-Banking, and so on. The community obtains many benefits, especially students in the UIN Raden Intan Lampung in this Cashless / Non- Cash payment system, including Cashless payment transactions in the Campus Canteen area using the QRIS Code with M-Banking BSI, BTN, and so on.
Analysis of Paylater Customer Intentions in E-Commerce with the Planned Behavior Method Theory Approach Kamal, Al Haq; Cheumar, Mohammad Tahir; Hasanah, Hasanah; Sudibyo, Tyagita Dianingtyas
Al-Mashrof: Islamic Banking and Finance Vol. 4 No. 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.17485

Abstract

This study aims to examine the effect of attitudes on behavior, subjective norms, perceived behavioral control, behavioral intentions, and behavior in implementing the shopee paylater payment system (buy now pay later) in generation Z in Caturtunggal, Depok, Sleman, Yogyakarta. This research is descriptive quantitative. The population in this study is generation Z with criteria ranging from 18 years to 30 years who have or are currently buying products at e-commerce shopee using the paylater payment system. The sampling technique used purposive sampling with a total sample of 100 respondents. The type of data used is primary data obtained by distributing questionnaires through questionnaires. The data analysis technique used is the Partial Least Square (PLS) approach using Smartpls 4 software. The results of the research based on the analysis of the regression coefficients (t-statistics and p-value) show that the attitude variable has a negative and insignificant effect on the behavioral intention variable. subjective norm variable has a negative and insignificant effect on behavioral intention variable. the variable perceived behavioral control has a negative and insignificant effect on the behavioral intention variable. perceived behavioral control variables have a positive and significant effect on behavioral variables. Then the behavioral intention variable has a positive and significant effect on the behavior variable or generation Z behavior.

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