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Velocity: Journal of Sharia Finance and Banking
Published by Institut Agama Islam Negeri Pekalongan
ISSN : 2797247X     EISSN : 27971546     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Velocity: Journal of Sharia Finance and Banking is a journal that provides authoritative scientific information sources for researchers and academics in academia, research institutions, government agencies, and industry. ISSN Print is 2797-247X and Online is 2797-1546. We publish original research papers, review articles and case studies focused on Islamic Finance and Banking as well as related topics. All papers were peer reviewed by at least two reviewers. This journal is maintained and published by Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan. Velocity: Journal of Sharia Finance and Banking is a journal that publishes articles covering Sharia Financial Institution Information System, Management of Sharia Financial Institutions, Sharia Financial Institution Risk Management Sharia Financial Institution Marketing Liquidity Management of Sharia Financial Institutions Sharia Financial Institutions Ethics Sharia Financial Institution Law Analysis of the financial statements of Sharia Financial Institutions
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 42 Documents
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Riba in The Perspective of Sharia Bank Customers: A Systematic Literature Review Ahmad Hasan Asy'ari Ulama'i; Ferida Rahmawati; Maaz Ud Din
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 1 (2022): May 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v2i1.5422

Abstract

This study aims to determine the Islamic bank customers to the understanding of usury. This type of research is literature review research. The type of data collected in this study is primary data, namely data obtained from various current and relevant literature regarding the level of understanding of Islamic bank customers about usury, such as from books, journals, articles, papers, and other related reading sources. The data analysis technique of this research was carried out using the data analysis technique of the Miles and Huberman model. The data analysis activities of this model include data reduction, data display and conclusion drawing or verification. The results of a systematic literature review found that usury is an additional take, both in buying and selling transactions and lending and borrowing in vanity. The prohibition of usury in the Qur’an was revealed in stages, preceded by a series of moral teachings relevant to the theme of the prohibition of usury. Conventional banks use the interest system to support their operations. In contrast to the interest system prevailing in conventional banks, Islamic banks determine the amount of return and profit sharing based on the amount of profit sharing between the customer and the bank without determining the percentage that must be paid by the customer. Bank interest is an evolution of the concept of usury that cannot be separated from the development of financial institutions. Riba in modern banking makes business decline and become unproductive. Education and religion can be used as the basis for mu’amalah for all mankind, especially Muslims. Islamic education can lead humans to become individuals who are able to survive in this world and the hereafter (al-falah). Education about usury provides important information that can be a guide for human life in contemporary mu’amalah.
Analisis Motivasi Pinjaman Nasabah Pada Rentenir Berdasarkan Prinsip Pembiayaan Syariah Septi Ayu Triten Nina; Versiandika Yudha Pratama
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i1.3564

Abstract

This study aims to analyze the motivation of customer loans to moneylenders based on Islamic financing principles.This study is a qualitative descriptive. The type of data used in this study is the primary data with data collection techniques are observation and interviews. The results of this study indicate that the motivation of customers in making loans to moneylenders is due to the need and available facilitie, and the ease of making a loans. In addition, customer knowledge about interest is very low. And than, based on the principles of sharia financing, the transaction pattern is not in accordance with sharia principles because of the customer's ignorance regarding the transaction process.
Pengaruh Pendapatan Premi, Klaim, Invetasi dan Biaya Operasional Terhadap Pertumbuhan Aset Perusahaan Asuransi Jiwa Syariah Di Indonesia Novia Dwi Fatmawati; Happy Sista Devy
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i1.3589

Abstract

This research aims to see the effect of insurance premium income, claims, investment and operating cost on the growth of Islamic life insurance companies in Indonesia. Research method ini this research, used the multiple linear regression using the SPSS 22 program. The sampling technique used is purposive sampling with the population being sharia life insurance companies in Indonesia which are listed in the OJK in 2015-2019. The results showed that insurance premium income has a positive and significant effect on asset growth, while claims and operating cost have a negative and significant effect, so it can be concluded that the greater the insurance premium higher growth of the company's assets , while the claims and operating expenses apply the opposite. Investment in its effect on asset growth shows insignificant results.
The Effect of Product Quality And Product Impact on Customer Satisfaction Purchase Decisions as Intervening Variables Putri Andriyani S; Agus Arwani
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i1.3617

Abstract

The purpose of this study is to determine the effect of product quality and product benefits on customer satisfaction through purchase. The research method uses a quantitative approach. The consumers of Hexsoul were drinking water more than five times in the distributor of Pekalongan City branch Hexsoul drinking water as many as 234 consumers with a sample of 100 respondents using Donald R. Cooper and C. William Emory formulas. The sampling technique uses accidental sampling and then purposive sampling. The data analysis is used in this study is path analysis. The product quality has a positive and significant effect on purchasing decisions with a significance value of 0,000 and a regression coefficient of 0,244, a significance value of 0,000 <0,05 (2) product benefit has a the significance value of 0,000 <0,05 (3) product quality has a positive and significant effect on consumer satisfaction with a significance of 0,002 and regression coefficient value of 0.140, (4) the benefit has a positive and significant effect on consumers satisfaction with a significance of 0.022 and a regression coefficient of 0.140, (5) purchasing decisions have a positive and significant effect on consumer satisfaction with a significance of 0,000 and a regression coefficient of 0.399,(6) product quality has a positive and significant effect on customer satisfaction through wit's purchasing decisions h the significance of 0,000 and a regression coefficient of 0.158(7)benefit has a positive and significant effect on customer satisfaction through purchasing decisions with significance of 0,000 and a regression coefficient of 0.210.
Faktor-Faktor yang Mempengaruhi Kinerja Karyawan Perbankan: Studi pada PT. Bank Rakyat Indonesia (Persero) Cabang Batang Arief Alfatah Hirarto; Mila Sartika
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i1.3643

Abstract

The purpose of this study is to describe and analyze the influence of leadership, intrinsic motivation, and career development on employee performance. The population in this study were 140 employees of PT Bank Rakyat Indonesia (Persero) Batang Branch. The sampling method used was purposive sampling method. Based on the data analysis, it can be concluded that there is a significant influence of the leadership variable on employee performance. There is a significant influence of the intrinsic motivation variable on employee performance. There is a significant influence of career development variables on employee performance. The variables of leadership, intrinsic motivation, and career development can affect employee performance by 41.8%.
Baitul Maal Wa Tamwil Sebagai Lembaga Keuangan Mikro Syariah Pemberdaya Ekonomi Umat (Konsep dan Teori) Yasmin Afnan Solekha; Alisa Qotrunnada Murdianah; Nofia Sri Lestari; Rinda Asytuti
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i1.3647

Abstract

The purpose of the research to dig deeper into the concepts and theories of Baitul Maal Wa Tamwil, because it is based on the fact that occurs in the environment that BMT has shown its success which has been widespread in almost all regions of Indonesia, proven in 2016 reaching 6000 units of BMT and finding good prospects. This type of research is qualitative, supported by data taken in a secondary way using literature study. To support the research, the authors processed the data using Ms. Excel. BMT is a sharia microfinance institution as a non-governmental organization that collects and manages funds according to sharia principles in order to achieve financial and humanitarian economic goals or to achieve mashlahah. BMT does not only focus on financial activities but also social virtue activities. BMT refers to the authoritative source of Islam, Law no. 25 1992 concerning cooperatives and the DSN-MUI fatwa. The source of finance comes from customers and the results of operating income. Customer funds are then managed using sharia financing and contracts, the profits are known as profit sharing. BMT must always conduct evaluations so that the operational system and its resources are better and continue to disseminate information to the community.
Human Resources Development Strategy In Baitul Mal Watamwil An-Najah, Pekalongan District Bambang Sri Hartono; Farida Rohmah; Arif Budiharjo
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i1.3685

Abstract

This study aims to describe the strategy of human resource development, to analyze the internal and external environment of the business, and to develop a development plan on human resource aspect in Baitil Mal Wa Tamwil An-Najah. This study is a field research and the approach used in this study is qualitative method. It was done at Baitul Mal wa Tamwil An-Najah Pekalongan Regency since July until December 2017. Data collection technique in this study is through observation, interview, and documentation. This study uses descriptive analysis technique that aims to provide description about research subject based on data and variable obtained. There is also SWOT analysis to provide some recommendations for the company in its employees’ development in order to achieve company goal. Based on this study revealed that the human resource development strategy in Baitul Mal wa Tamwi An-Najah Pekalongan Regency is through orientation program, training and education, and career development. Through the SWOT analysis it is obtained points of development plans related to human resource aspect in Baitul Mal wa Tamwil An-Najah that can be a recommendation and reminder for the company. The development plans are built by SO strategy (Strength-Opportunity), WO strategy (Weakness-Opportunity), ST strategy (Strength-Threats), and WT strategy (Weakness-Threats) that the company has. By the analysis hopefully it can improve the strategy on human resource development.
Factors Affecting the Performance of Islamic Banking Employees Septiyani Priska Putri Lestari; Agung Guritno
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i1.3755

Abstract

This study aims to see how remuneration, competence, and organizational culture affect employee performance at Bank Syariah Indonesia Semarang Branch. This is a quantitative analysis with 50 employees of Bank Syariah Indonesia Semarang Branch participated. The data were processed with the SPSS version 20 application tool. Instrument tests, classical assumption tests, statistical tests, and MRA tests are all included in this study's analysis. The T-test results show that remuneration has no significant impact on employee performance, integrity has a positive and significant impact on employee performance, and motivation has no impact on employee performance. Organizational Culture variables moderate / reinforce the relationship between Reward for Employee Performance, Competence, and Employee Performance, and Motivation and Employee Performance. The implications of the study are, the management should give more attention to the remuneration and motivation factors to enhance employee performance.This study aims to see how remuneration, competence, and organizational culture affect employee performance at Bank Syariah Indonesia Semarang Branch. This is a quantitative analysis with 50 employees of Bank Syariah Indonesia Semarang Branch participated. The data were processed with the SPSS version 20 application tool. Instrument tests, classical assumption tests, statistical tests, and MRA tests are all included in this study's analysis. The T-test results show that remuneration has no significant impact on employee performance, integrity has a positive and significant impact on employee performance, and motivation has no impact on employee performance. Organizational Culture variables moderate / reinforce the relationship between Reward for Employee Performance, Competence, and Employee Performance, and Motivation and Employee Performance. The implications of the study are, the management should give more attention to the remuneration and motivation factors to enhance employee performance.
Pengaruh Green Banking Disclosure Terhadap Nilai Perusahaan Pada Bank Umum Syariah Di Indonesia Wahid Wachyu Adi Winarto; Tri Nurhidayah; Sukirno Sukirno
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i2.4212

Abstract

This study aims to analyze the effect of Green Banking Disclosure on firm value. The method used is quantitative by conducting content analysis on Green Banking Disclosure items based on the Green Banking Disclosure Index developed by Bose, Khan, Rashid, & Islam (2018). Firm value is measured using the Tobins'q ratio. Regression analysis technique is used in performing statistical tests. The population in this study are all Islamic commercial banks registered with the Financial Services Authority that have been listed on the Indonesia Stock Exchange during 2017 to 2020 by providing criteria for the samples taken. The results showed that there was a significant positive effect of Green Banking Disclosure on firm value in Islamic banking.
Analisis Peran Pembiayaan Lembaga Keuangan Syariah pada Sektor Pertanian di Kabupaten Brebes Fenti Nurlaeli; Novendi Arkham Mubtadi; Alya Isni Abdilah
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i2.4295

Abstract

Islamic financial institution have a princip of balanced (tawazun) with do business and social activity. This research aims to analyze the role of Islamic financial Institution on financing for the agricultural sector in Brebes Central Java Province, to analyze the obstacle and the potential product which is financially granted by Islamic financial Institution for the agricultural sector. This research took explorative-qualitative approach to find more and depth on another possibility of the problem of object research. The informants was taken from three Islamic financial Institutions in Brebes regency. The result shows the role of Islamic financial institution is not maximal. This is because (1) agricultural sector depends on the nature (2) Islamic financial Institution as a trustee. The potential of Islamic financial institution is on the availability of financial contract such as murobahah, musawamah, salam, muzara’ah and tawaruq.

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