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Ahmad Tohir
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Jl. Jend. Sudirman KM.4 No.629, 20 Ilir D. IV, Kec. Ilir Tim. I, Kota Palembang, Sumatera Selatan 30129
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INDONESIA
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah
Published by Sekolah Tinggi Ekonomi dan Bisnis Syariah Indo Global Mandiri Palembang
ISSN : 24609595     EISSN : 26865149     DOI : https://doi.org/10.36908/isbank
Core Subject : Economy, Humanities, Science, Education, Social,
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah is an open access peer-reviewed online journal that provides a forum for sharing scientific studies on Islamic economics and banking. Editors welcome articles and research reports that address current issues such as: sharia economics, sharia business, sharia banking and sharia management.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 189 Documents
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Factors Determining The Capital Structure of Banking Companies Listed On The Indonesian Stock Exchange Muliyani, Muliyani; Marisa, Marisa
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1127

Abstract

This study aims to determine the effect of Return on Asset (ROA), Sales Growth, Liquidity and Company Size on the capital structure of the banking industry listed on the Indonesia Stock Exchange in 2019-2023. This study uses secunter data with panel data regression as an analysis tool and data processing assistance with Eviews. The results of hypothesis testing show that ROA has no significant effect on capital structure, that companies that use relatively small debt have a high rate of return on investment. Sales growth does not have a significant effect on the mode structure, where companies that have a high potential sales growth rate will tend to generate greater cash flow so that the company will ultimately rely more on internal funding. Liquidity has a significant effect on the capital structure, where if the greater the liquidity, the greater the capital structure and if the smaller the liquidity, the smaller the capital structure. The size of the company does not have a significant effect on the capital structure, this can be interpreted that the size of a company does not affect the capital structure of the Company. The results of this study are also expected to be a reference for future research to increase the number of research variables and increase the number of research populations in various sectors and increase the research period.
Effect of Debt Policy And Company Performance With Leverage As Moderation Sari, Tyasha Ayu Melynda; Oktaviani, Marista; Setiawan, Adhar Putra
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1129

Abstract

This research aims to determine the role of leverage as a moderating variable in the influence of debt policy on company performance. This research uses quantitative methods with secondary data obtained from the Indonesia Stock Exchange website and the company's official website. The population in this research is food and beverage companies in the consumer goods industry sector listed on the Indonesia Stock Exchange in 2019-2021. Panel data regression analysis testing uses STATA 17. The analytical method used is multiple regression analysis (MRA). The results of this research show that: 1) Debt policy has a negative effect on company performance. Excessive use of debt causes an increase in the company's risk in generating profits and will cause shareholders to doubt the company's ability to pay the debt that has been given. This shows that the higher the debt a company has with a large amount of debt, the higher the company's risk will be and this will result in decreased financial performance, because higher debt will cause financial distress. 2) Leverage weakens the relationship between debt policy and company performance. Leverage weakens the influence of the negative relationship, which shows that the DOL functions well in mitigating the negative impact of debt policy on company performance so that the negative influence of debt policy on company performance can be reduced or weakened
Strategy For Resolving Financing Problems In The Alfa Mabruk Wonorejo Pasuruan Syariah Cooperative Jannah, Miftakhul; Aslikhah, Aslikhah; Sukamto, Sukamto
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1147

Abstract

Sharia cooperatives are part of sharia financial institutions (LKS) which are based on sharia principles. The main objective is to promote community welfare through a profit- and falah-oriented approach. This research aims to determine and analyze strategies for resolving problematic financing at the Alfamabruk Wonorejo Pasuruan sharia cooperative. This is important because if it is not handled immediately it can damage the cooperative's performance and become an obstacle in business development due to financial difficulties. This research is qualitative research with a descriptive approach in which researchers carry out field studies to obtain accurate information by conducting interviews, then from these results data analysis and data credibility are carried out in order to obtain good results. The results of the research concluded that the factors that cause financing problems are business failure, poor character of customers, misuse of capital, increasing unemployment due to the difficult economic situation, due to the Covid-19 disaster. The strategy used by the Alfamabruk Wonorejo sharia cooperative is through rescheduling, reconditioning, restructuring and using a personal approach.
The Ifluence of Knowledge,Religiosity, and Trust on Interest in Financing in Sharia Banking( Case Study on Halal MSME in Kediri Regency) Kartika, Fitrotul Candra; Budianto, Eka Wahyu Hestya
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1183

Abstract

This study aims to measure the influence of knowledge, religiosity and trust on public interest in financing in Sharia Banking. This study uses quantitative methods by conducting interviews and distributing questionnaires to obtain data. The population in this study are people who have micro businesses that are or have applied for halal certification. In addition, the MSMEs studied were MSMEs that were conducting financing in Sharia Banking. As for selecting samples, researchers used convenience sampling techniques. The data analysis technique used to test this research uses multiple linear regression tests with the help of statistical aids, namely using the SPSS application. The results showed that knowledge, religiosity, and trust have a positive and significant influence on public interest, especially Halal MSMEs that do financing in Sharia Banking. The three variables also influence each other. indirectly and knowledge and religiosity affect a person's level of trust in the existence of sharia banking among the community.
Financial Distress: Ratio of Financial Statements of Mining And Metals Companies Pebriani, Reny Aziatul; Syafitri, Lili; Meiriasari, Vhika
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1205

Abstract

This research aims to determine the influence of profitability, leverage and liquidity on financial distress in the mining and metals company sub-sector in Indonesia during the 2018-2022 Period. Profitability is measured using Return on Assets (ROA), leverage is measured by Debt to Equity Ratio (DER), and liquidity is measured using Current Ratio (CR). Financial distress was identified using the Altman Z-score model. This type of research is a quantitative research sampling in this study using purposive sampling techniques and data that has been processed for this study as many as 11 Mining and Metal companies listed on the Indonesia Stock Exchange. The data source in this study uses a secondary data source sourced from the Annual Report published by mining and metals companies listed on the Indonesia Stock Exchange. The data analysis used in this study used Descriptive Satistic analysis, Pooled Data, Chow Test, Hausman Test, Fixed Effect, Partial Test, Determination Coefficient Test (R2). The test results showed that the Return on Asset (ROA) variable, Debt to Equity ratio (DER), did not have a significant effect on financial distress, while the Current Ratio (CR) had a significant effect on financial distress in Mining and Metal Companies listed on the Indonesia Stock Exchange in 2018-2022. The Result of this study is that profitability, leverage, and liquidity significantly affect the condition of financial distress in mining and metals sub-sector companies in Indonesia.
The Effect of Implementation of Good Corporate Governance And Sharia Compliance On Customer Satisfaction of Bank Syariah Indonesia Sub-Branch Office Medan Cemara Asri Sinaga, Muhammad Syahputra; Nasution, Muhammad Lathief Ilhamy; Anggraini, Tuti
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1216

Abstract

Both commercial banks and Islamic banks, good corporate governance (Gcg) and sharia compliance (SC) are fundamental elements. The effect of sharia compliance and good corporate governance on customer satisfaction and loyalty at Bank Syariah Indonesia Medan KC Cemara Asri, after processing and statistical analysis of the data obtained from the questionnaire answers in the IBM SPSS Statistics 25 program is at Bank Syariah Indonesia Sub-Branch Medan Cemara Asri, good corporate governance has a positive and significant effect on customer loyalty is one of the positive and large effects of good corporate governance features at Bank Syariah Indonesia Sub-Branch Medan Cemara Asri, Medan. At Bank Syariah Indonesia Sub-Branch Medan Cemara Asri, customer satisfaction is positively influenced by the Sharia Compliance variable. In accordance with the name of the institution, Bank Syariah Indonesia Sub-Branch Medan Cemara Asri has carried out sharia compliance well. The customer loyalty variable is positively and significantly influenced by the sharia compliance variable. The stronger the foundation, the more customers will trust the bank to be involved in their transactions. These elements are the basis for assessing the satisfaction of bank customers in using bank services during transactions. The questionnaire is one of the techniques or procedures that researchers can use to collect data in this study. Validity test, reliability test, normality test, classical assumption test, multiple linear regression test, hypothesis test, and coefficient of determination test are procedures used for data analysis. In this study, quantitative research was used.
The Application of Multi-Contract In Griya Hijrah Products Based On DSN-MUI Fatwa No. 31/DSN-MUI/VI/2002 AT BSI KCP Diponegoro 2 Surabaya Arista, Anis; Maknuun, Lu’lu’il
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1219

Abstract

This study ains to determine the implementation of multi-contract and the relevance of Fatwa DSN-MUI No.31/DSN-MUI/VI/2002 on the implementation of the multi-contract on griya hijrah products at BSI KCP Diponegoro 2 Surabaya. The type of research used is field research with a qualitative approach. The results of this study are: 1) The implementation of the qardh wal murabahah contract begins with the customer applying for financing to BSI KCP Diponegoro 2 Surabaya. Then BSI provides qardh funds in accordance with the remaining obligations and the customer pays off the debt at the previous bank. After paying off, the customer sells the asset to BSI and BSI sells it back in murabahah to the customer along with a margin and the customer can install the financing. 2) The implementation of the qardh wal murabahah contract on the griya hijrah product at BSI KCP Diponegoro 2 is relevant to Fatwa DSN-MUI No.31/DSN- MUI/VI/2002 using the first alternative.
Fundamental Concepts of Work Ethics in Islamic Perspective and Its Implementation in Islamic Bank Marketing Aravik, Havis; Hamzani, Achmad Irwan; Khasanah, Nur; Tohir, Ahmad
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1220

Abstract

This article wants to discuss the basic concepts of work ethics in Islamic Perspective and its Implementation in Islamic Bank Marketing. This is important to do because ethics is one of the components that must exist in various activities including in the field of marketing in order to produce various benefits for various parties, and not harm other parties. The method used is a literature study. The data used in this research comes from library data, such as books, encyclopedias, dictionaries, journals, documents and other relevant data. The results of this research show that work ethics is something that is very important in work. Ethics guide, encourage and direct work attitudes and behaviour to values that are in line with religious teachings, legal and societal norms. Islamic bank marketing work ethics in principle aims to ensure the embedding of seeds of professionalism, sincerity, harmony and creating justice in public relations, thereby increasing dignity, and upholding human rights such as when carrying out promotions must use soft words, be polite and full of responsibility, be professional, transparent and the position of consumers or customers is placed as equal as partners. Being wise to competitors and the work culture created is different from conventional institutions.
Analysis of Legal Aspects of The Murabahah Agreement In Islamic Banking Choiriyah, Choiriyah; Noviani, Dwi; Saprida, Saprida
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1221

Abstract

Islamic Banking According to Law Number 21 of 2008 concerning Islamic Banking, specifically Article 1 number 7, Islamic Banks are banks that carry out their business activities based on Islamic principles and by their nature, consisting of Islamic Commercial Banks and Islamic Commercial Banks. Islamic People's Financing. In general, Islamic banks are banks whose operational activities are based on Islamic law, or banks that base their operational activities on interpreting the Qur'an and Hadith as the basis for Islamic law. It is stated that according to Law Number 21 of 2008 concerning Islamic Banking, in Article 1 number 12, the basis of Islamic faith for bank operations is a fatwa issued by an institution authorized to issue fatwas in the field of Islamic banking. The National Sharia Council confirms that murabahah sales and purchase transactions, whether in cash or installments, with the terms and conditions being met, are financed under a murabahah contract at a Sharia bank in terms of determining profits by Sharia principles. In the Islamic banking system, there is always a need for collateral or a loan prepared with the understanding that every debtor must adhere to Islamic law, as previously explained to parents. Islamic banking allows customers to be more cooperative when purchasing goods on credit or cash.
Islamic Consumption Behavior In Realizing Family Welfare Januari, Anas Tania; Rofiq, Aunur; Khusnudin, Khusnudin
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1222

Abstract

Consumption in a country's economy, with higher levels of consumption causing increased economic activity and changes in a country's national income. The impact of consumption on household financial stability, with excessive spending relative to income causing personal financial problems. material and spiritual well-being in the household, is very important in balancing worldly and spiritual needs for overall well-being. This research is qualitative research with a normative approach. Obtaining secondary data in the form of data on welfare indicators which refer to the consumption behavior of Indonesian people obtained from the Central Statistics Agency in a certain period. This data is used as a reference in the importance of discussing consumption behavior, especially in the context of sharia. Meanwhile, the behavioral theory approach is used for the purposes of analyzing the goals of consumption behavior by adhering to Islamic principles to realize prioritized welfare among households. Research shows that consumption behavior in realizing the welfare of Muslim families can be seen from several indicators listed in data processed by the Central Statistics Agency. Consumption pattern indicators are influenced by income levels which reflect people's purchasing power and abilities. Meanwhile, other indicators can be seen from the quality of health and nutrition, education, housing and other social issues, such as a lifestyle that follows the times

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