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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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Persepsi Pelaku Umkm Batik Kabupaten Pekalongan Terhadap Financial Technology Syariah Muhammad Syarif Hidayatullah; Razie Bin Nassarrudin; Mashudi Mashudi
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.v1i2.4319

Abstract

This study aims to determine and explain the perceptions of batik SMEs in the area of ​​wiradesa that are carried out in an effort to advance technology in this case is Islamic financial technology and explain how interested batik SMEs in the Wiradesa area are in conducting Islamic financing or peer to peer lending in sharia in Islamic financial technology. This research is a field research with a qualitative approach. To get valid data, the authors use data collection methods, namely interviews, documentation, and observation. There are two data sources in this study, namely primary data sources and secondary data sources. The results of this study stated that the perception of batik SMEs in the Wiradesa Region did not yet know or were unfamiliar with sharia financial technology and had an interest in participating in sharia financing in sharia financial technology on the grounds that sharia financing used sharia principles in the contract which made the SMEs of Batik feel not too anxious in running his business. And the SMEs of Batik in the Wiradesa Region also hope to hold a socialization about the use of services from Islamic financial technology providers to be able to understand the use of technology easily.
Potret Kehidupan Ekonomi pada Masa Nabi (Aplikasi Mudharabah dalam Perbankan Syariah) Muhammad Iqbal
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.v1i2.4333

Abstract

This research aims to provide a complete picture of the economic portrait at the time of the prophet, the status of the Mudharabah hadith and how the application of Mudarabah in Islamic banking is. Muhammad started the construction of Medina without definite financial sources, while the distribution of wealth was also unequal. The emigrants had no wealth because they had left their wealth in Mecca. Muhammad brought brotherhood between the Muhajirin and the Ansar so that by itself there was a redistribution of wealth, this policy was very important as an initial strategy for the development of Medina. Furthermore, to rotate the economy, encourage business cooperation among community members such as muzaraah, mudarabah, and musaqah so that there is an increase in productivity. At first, Mudarabah was considered as the backbone of Islamic banking operations. In practice, this type of profit-sharing financing is only a small part of the financing provided by Islamic banks around the world.
Faktor-Faktor Yang Mempengaruhi ROA Dengan Size Sebagai Variabel Moderating Pada BUS Periode 2015-2020 Niswatun Fatikha; Fetria Eka Yudiana
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.v1i2.4415

Abstract

Tujuan penelitian ini adalah untuk menganalisis sejauh mana pengaruh Leverage, Islamic Corporate Governance dan Intellectial Capital terhadap Return on Assets dengan Size sebagai variabel moderating pada Bank Umum Syariah di Indonesia periode 2015-2020. Sampel penelitian ini adalah 11 Bank Umum Syariah di Indonesia yang menerbitkan annual report secara rutin pada web masing-masing bank. Metode pemilihan sampel disini adalah teknik purposive sampling. Analisis data pada penelitian ini yaitu ada uji statistik deskriptif, uji stasioneritas, analisis data panel, uji hipotesis, uji asumsi klasik, dan uji MRA. Hasil pengujian parsial (uji t) menunjukkan bahwa Leverage tidak berpengaruh signifikan terhadap ROA, sedangkan ICG, IC dan Size berpengaruh positif dan signifikan terhadap ROA. Kemudian hasil pengujian simultan (uji f) menyatakan Leverage, ICG dan IC secara bersama-sama berpengaruh positif dan signifikan terhadap ROA. Selanjutnya uji MRA menunjukkan bahwa variabel Size secara signifikan dapat memperkuat pengaruh Leverage terhadap ROA. Namun variabel Size secara signifikan memperlemah pengaruh ICG dan IC terhadap ROA.
The Effect of Sharia Financial Access & Financial Literation to Non-Bankable MSME’s Growth Fania Mutiara Savitri; Asep Suraya Maulana; Atika Dyah Perwita; Saptana Saptana
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.v1i2.4606

Abstract

A number of Islamic financial institutions able to provide non-bankable requirement by limiting loan plafond in order to reduce credit risk. That condition can hamper Micro Small Medium Enterprise (MSME)’s growth. This is proven by only 13.21% of MSME that only have been served by obtaining access to Islamic finance. Study about MSME’s Growth have general purpose to analyze interaction between Financial Literacy and Sharia Financial Access to Finance to MSME’s Growth. This study adopted quantitative research design and used Structural Equation Model (SEM) analysis method by SmartPLS 3.0 to run the data. Population in this research was all MSME’s actor in Semarang that put 100 samples contributing in this research by convenience technique. The finding of the research found Financial Literacy and Access to Sharia Finance affect performance, Financial Literacy affects Access to Sharia Finance and financial Literacy cannot be mediator for the relationship between Access to Sharia Finance to MSME’s growth.
Faktor-Faktor Resistansi Masyarakat Desa Ngrayun Terhadap Keputusan Menjadi Nasabah Asuransi Prudential Ponorogo Eka Nursafitri; Husna Ni'matul Ulya
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.v1i2.4636

Abstract

Islamic insurance will have higher demand and high enthusiasm. Therefore, efforts to increase public knowledge about sharia insurance are a strategic issue in the development of sharia insurance. Consumer knowledge is all information owned by consumers about various products or services. Based on the results of interviews with prudential insurance agents, it was stated that there were still few people who had life insurance, all of that because the level of public trust was still low, this was due to their low knowledge of sharia insurance. And when doing promotions there is rejection from the community. From here, marketers must be able to provide knowledge about the benefits and advantages of Islamic insurance. This study aims: 1) to find out how the development of prudential sharia insurance in Ponorogo. 2) to find out the resistance factors of the Ngrayun Village Community to become Ponorogo prudential insurance customers.This type of research uses field research and uses a qualitative approach. Data collection techniques used in this study were interviews (interviews) and documentation. The results of this study are: 1) The development of Prudential Sharia Insurance in Ponorogo has gone up and down, but in the last period it has decreased. Especially in Ngrayun Village, Ngrayun District, the development of prudential sharia insurance is quite difficult because of various factors that influence people's decisions to join as customers. The prudential sharia insurance agent then determines solutions that can be applied in rural areas, especially Ngrayun Village, Ngrayun District. 2) Existing factors based on the results of interviews with consumers who have received socialization or offers from prudential sharia insurance agents in Ngrayun Village, Ngrayun District arise interrelated factors, both from cultural and sub-cultural factors, occupation, age, reference groups and family , as well as location. Of the several factors that have been mentioned above, these factors are closely related to the consumer's decision to become a customer.
Reaksi Pasar Atas Peristiwa Merger Bank Syariah BUMN (Studi Peristiwa BRI Syariah) Diah Ayu Ariyani; Versiandika Yudha Pratama
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 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.v2i2.6013

Abstract

This study aims to determine the market reaction to the merger of state-owned Islamic banks (BNI Syariah, BRI Syariah and Syariah Mandiri) into Bank Syariah Indonesia (BSI). The market reaction is reflected in the abnormal return, trading volume activity, and security return variability. This research belongs to event study used in this study is secondary data obtained from financial reports published by BRI Syariah. The sample used in this study was BRI Syariah and the data analysis technique used the Sample Paired T-Test and the Wilcoxon Signed Rank Test. The results showed that there was no difference between abnormal returns and trading volume activity before and after the Islamic bank merger event. On the other hand, there are differences in security return variability before and after the Islamic bank merger event.
Implementation of Information Technology at The Amil Zakat Institution LAZiS Central Java-Pekalongan Service Office Novalini Jailani; Azam Rivani; AM. Muh. Khafidz Ma’shum
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 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.v2i2.6095

Abstract

This study aims to describe the implementation of information technology at the amil zakat institution, LAZiS Central Java, Pekalongan Service Office. This research was conducted by field research with a descriptive qualitative approach to describe the information technology used in inputting and presenting financial information in zakat management at LAZiS Central Java, Pekalongan Service Office. Primary data sources were obtained from direct interviews with financial staff and leaders of LAZiS Central Java Pekalongan service office who knew about website application and financial management and zakat utilization. Secondary data were obtained from various books, articles, journals and authoritative websites relevant to this research. Data collection is done through observations in the use of the web by paying attention to several menus and web appearances. The results of this study found that LAZiS Central Java had used information technology in managing zakat funds that had been collected. This institution uses web-based information technology, namely silazisku.org. This system can only be used by internal institutions, namely the finance department. The process of recording history and presenting financial information becomes more efficient, fast and neat, making it easier for institutions to present financial reports to facilitate audits by using Silazisku.org,. The risks faced by Central Java LAZiS are more manageable than before. The implementation of the zakat information technology system at this institution was able to facilitate managers in managing zakat and provide extensive information to the public about the ease with which people pay zakat
Analisis Komparatif Risiko Keuangan Bank Umum Syariah dan Unit Usaha Syariah Periode 2016-2021 Septia Wizar Anggriani; Wilda Yulia Rusyida
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 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.v2i2.6192

Abstract

Tujuan penelitian ini adalah untuk mengetahui perbedaan risiko pembiayaan, risiko likuiditas, risiko operasional dan risiko pasar antara Bank Umum Syariah dan Unit Usaha Syariah. Penelitian ini termasuk jenis penelitian kuantitatif. Pengumpulan data dalam penelitian ini adalah menggunakan data sekunder berupa laporan keuangan triwulan, dengan sampel enam Bank Umum Syariah (PT. Bank Muamalat Indonesia Tbk, PT. Bank Tabungan Pensiunan Nasional Syariah, PT. Bank Panin Dubai Syariah Tbk, PT. Bank Mega Syariah, PT. BCA Syariah, PT. Bank Jabar Banten Syariah) dan empat Unit Usaha Syariah (PT. Bank CIMB Niaga Tbk, PT. Bank Maybank Indonesia Tbk, PT. Bank Tabungan Negara (Persero) Tbk, PT. Bank Permata Tbk) berdasarkan kriteria pengambilan sampel purposive sampling. Penelitian ini menggunakan variabel NPF, FDR, BOPO dan NOM untuk risiko pembiayaan risiko likuiditas, risiko operasional dan risiko pasar. Penelitian ini menggunakan metode analisis data uji normalitas dan uji Mann Whitney. Hasil penelitian menunjukkan bahwa tidak terdapat perbedaan yang signifikan pada risiko pembiayaan, sementara pada risiko likuiditas, risiko operasional dan risiko pasar menunjukkan perbedaan yang signifikan antara Bank Umum Syariah dan Unit Usaha Syariah.
Studi Komparatif Dampak Financial Management Knowledge terhadap Financial Management Behavior Masyarakat Muslim pada Wilayah Urban dan Rural Adhelia Desi Prawestri
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 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.v2i2.6232

Abstract

The Covid-19 pandemic has made people aware that having good financial management knowledge and financial manajemen behavior will help people face times of financial difficulty. Financial decisions take by individuals in society do not only affect each individual, but can also affect the business organization they own. This article aims to determine the relationship between financial management knowledge and financial management behavior in urban and rural Moslem communities. In addition, this article also aims to find out whether there are differences between financial management behavior in Moslem communities living in urban and rural areas. The data used in this study is primary data collected trough questionnaire distributed to 600 samples, namely 300 samples of people in urban areas, and 300 samples of people in rural area, which were collected using convenience sampling technique. A descriptive quantitative approach was used to answer the research questions. The results showed that there was a relationship between financial management knowledge and financial management behavior, and there was no difference between the financial management behavior of Moslem communities living in urban and rural areas.
Meningkatkan Loyalitas melalui Citra Merek, Kepercayaan, dan Biaya Ujrah Desy Prastyani; Muhammad Ihsan Alif
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 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.v2i2.6248

Abstract

This This study aims to better understand how to create customer loyalty to one of the existing products at the Pekalongan branch of the Sharia pawnshop using brand image, trust and cost of ujrah for gold pawn products. It can also increase customer loyalty at the Pekalongan branch of Islamic pawnshops, both new customers and customers. a long time ago. This research includes field research using a quantitative approach. This research was conducted on Pekalongan Branch Sharia Pawnshop customers using accidental sampling with a sample of 100 respondents. Data analysis technique with multiple linear analysis. The results of this study indicate that brand image has a positive effect on customer loyalty, trust has a positive effect on customer loyalty, and the cost of ujrah has a positive effect on customer loyalty. Based on the F test, it is known that the three independent variables studied simultaneously affect customer loyalty with an adjusted R Square value of 0.272. . which shows that 27.2% of the customer loyalty variable can be explained by the three independent variables, while the remaining 72.8% is influenced by other variables outside the three variables in this study.

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