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Nurul Azizah Azzochrah
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Kunuz: Journal of Islamic Banking and Finance
Published by Institut Agama Islam Negeri Manado
ISSN : 2807680X     EISSN : 2807615X     DOI : 10.30984/kunuz
Core Subject : Economy,
Economics, Econometrics & Finance
Kunuz: Journal of Islamic Banking and Finance mainly focuses on Islamic banking and finance, with various approaches of normative, philosophy, history, sociology, anthropology, theology, psychology, economics and is intended to communicate the original researches and current issues on the subject. Detailed scopes of articles accepted for submission to Kunuz: Journal of Islamic banking and finance are: • Finance: 1. Financial systems 2. financial accounting 3. Financial management 4. financial analysis models and their applications, and 5. Financial Technology • Banking: 1. Banking Systems 2. Banking management 3. Monetary institutions 4. Banking concepts and their structures 5. Banking operational management 6. Banking financial management 7. Islamic banking its concepts and practices.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 52 Documents
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Pengaruh Pengetahuan, Lokasi dan Promosi Terhadap Minat Masyarakat Menggunakan Bank Syariah Indonesia Trimulato Trimulato; Atikah Widhiana Putri; Ismawati Ismawati
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 2 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v2i2.374

Abstract

This study aims to determine the partial and simultaneous effect of knowledge, location, promotion on public interest in using wadiah savings products at Bank Syariah Indonesia (case study in West Sinjai sub-district). This study uses quantitative methods with a statistical approach. Sources of data used in this study is primary data. Data collection techniques This study uses the method of distributing questionnaires to users of Indonesian Islamic Bank products who are domiciled in the West Sinjai sub-district. The sample in this study includes 55 users of wadiah savings products at Islamic banks in West Sinjai District. The data analysis technique used in this research is multiple linear regression analysis. The results of this study partially show that the knowledge variable has a significant effect on people's interest in using wadiah savings products with a sig value of 0.002 <0.05. Likewise, the promotion variable has a significant effect on people's interest in using wadiah savings products with a sig value of 0.000 <0.05. The location variable has no significant effect on people's interest in using wadiah savings products with a sig value of 0.663 > 0.05. Simultaneously the variables of knowledge, location, promotion have a significant effect on people's interest in using wadiah savings products with an effect of 80.3%.
The Environmental Accounting Evolution: A Literature Review and Future Directions Lilly Anggrayni; Alif Ilham Akbar Fatriansyah; Sofyan Tubagus
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 2 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v2i2.386

Abstract

The aim of this article is to track the trending topics in the field study of environmental accounting research. The data was analyzed by using the library study method. The data was collected from scopus database by searching the systematic keyword that related with the environmental accounting literature on the search engine. This study found that the article that discussed about the environmental accounting was various and mostly concern on the issue about carbon accounting, water accounting, and biodiversity accounting as well as the measurement stages of extinction accounting. The author also found there was some theory which fit with the environmental accounting research that mainly discussed about the evolution of modern accounting and business methods that now more concerned with the social and environmental accounting. This research had implication for the accounting thinkers as well as the accounting and economic students, because the author did not only discuss about the literature review of environmental accounting but also the future direction of the environmental accounting that could become a new novelty for the future study.
Camel Method Analysis on PT. Bank SulutGo Financial Statements for the Period 2017-2021 Fitria Ayu Lestari Niu; Heince Ruddy Nicky Wokas; Elda Roring
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 2 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v2i2.393

Abstract

This study aims to analyze the level of health of the PT. Bank SulutGo in the period of 2017-2021 using the CAMEL method. The research used a quantitative descriptive method. The data display was in the form of documentation that is the data managed based on the financial statement of PT. Bank SulutGo during the period of 2017-2021. The data analysis technique using the CAMEL that is the capital adequacy ratio (CAR), asset quality (KAP), Management (NPM), Rentability (ROA and BOPO), and Liquidity (LDR) ratios. The results indicated the level of health of PT. Bank SulutGo, before the pandemic in 2017 to 2018, was predicated as healthy, with average CAMEL scores of 81% and 84%. Whereas in 2019, it decreased with a reasonably healthy predicate with a CAMEL score of 78%, which was influenced by the performance aspects of management and liquidity, which were unhealthy. However, in 2020 and 2021, during the covid-19 pandemic, it did not affect the level of health of PT. Bank SulutGo, this can be seen from the CAMEL scores of 86% and 82%, which means that predicated as healthy.
Faktor Penentu Niat Menggunakan Paylater Dengan Kepercayaan Sebagai Variabel Moderasi Ahmad Afandi; Dia Purnama Sari; Annessa Fadhillah; Nando Farizal; Muhammad Arif
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 2 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v2i2.420

Abstract

The purpose of this study is to measure effort expectancy, habit, price value, hedonic motivation, and social influence on the intention to use paylater with trust as a moderating variable. This research is a descriptive quantitative type and data collection method using a questionnaire. This research involved a total of 100 respondents who were all residents of North Sumatra. Structural Equation Model (SEM) and SmartPLS are used in data analysis techniques to test hypotheses and identify factors that influence people's intention to use Paylater. The research findings show that the social influence variable has a positive and significant effect on the intention to use Paylater. Meanwhile, effort expectancy, habit, price value, and hedonic motivation have no effect on the intention to use Paylater. Then the trust variable cannot moderate effort expectancy, habit, price value, hedonic motivation and social influence on the intention to use Paylater, maybe because Paylater has several risks so that trust cannot moderate these variables. This proves that the people of North Sumatra who use paylater are due to social influences without thinking about anything that is at risk for the user. It is hoped that the results of this study can be used as a reference for prospective Paylater users in using them and become information for related institutions. This research is expected to be information in developing further research by adding risk variables that influence the intention to use Paylater.
Implementation of Know your Customer Principles in Syariah Banking Nurlaila Isima; Sabiella Aulia Khoirunnisa
Kunuz: Journal of Islamic Banking and Finance Vol 3 No 1 (2023): Vol 3 No 1 (2023)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v3i1.600

Abstract

Tujuan dari penelitian ini adalah untuk mengidentifikasi dan menganalisis peraturan perundang-undangan Indonesia, implementasi dan hambatan dalam menerapkan prinsip "Know your Customer" di perbankan Syariah. Penelitian ini merupakan penelitian normatif empiris yang dilakukan melalui penelitian kepustakaan dan penelitian lapangan. Studi lapangan dilakukan di Bank Muamalat Indonesia cabang Manado. Pengumpulan data primer ini dilakukan melalui wawancara dengan informan. Data dianalisis secara kualitatif. Hasil penelitian menunjukkan bahwa prinsip "Know Your Customer" berlaku di Indonesia. Prinsip ini diperkenalkan oleh Basel Committee pada tahun 1988 dan kemudian disetujui oleh Peraturan Bank Indonesia No. 3/10/PBI/2001. Meningkatnya kompleksitas pencucian uang dan pendanaan teroris di Indonesia serta disahkannya UU No.8 Tahun 2010 dan UU No.9 Tahun 2013 kembali menegaskan perlunya setiap penyedia jasa keuangan untuk mengikuti prinsip “know your customer”. Bank Muamalat Indonesia Cabang Manado menerapkan prinsip “know your customer” sesuai ketentuan dan prosedur yang berlaku. Hambatan implementasi terkait dengan hubungan antara bank dengan nasabahnya atau perilaku nasabah, seperti ketidakjujuran nasabah dalam memberikan informasi kepada bank.
THE EFFECT OF COMPANY SIZE, FUNDING DECISIONS, AND FINANCIAL PERFORMANCE ON FIRM VALUE Juli Ismanto
Kunuz: Journal of Islamic Banking and Finance Vol 3 No 1 (2023): Vol 3 No 1 (2023)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v3i1.557

Abstract

This study aims to determine the effect of company size, funding decisions, and financial performance on firm value. Secondary data is sourced from the financial statements of companies in the Industrial Goods sector index companies listed on the IDX during the 2017-2021 period. The number of samples used was 40 companies as research objects for five years. Panel data regression analysis was used as a mechanism in this study. The results showed that firm size significantly affects strong values with a negative coefficient direction. On the other hand, funding decisions and financial performance do not affect firm value. Therefore, it is concluded that fit size has a significant effect on solid buy with a negative coefficient direction, indicating that the larger the size of the company, the greater the agency costs that the company must incur to overcome agency problems and diversify into products that are less profitable and absorb a lot of resources, so this can reduce the value of the company.
Adopsi Nilai-Nilai Islam pada Instrumen Kebijakan Moneter dalam Mengontrol Peredaran Uang Sri Ayu Andari Putri Alwaris; Nugraha Hasan
Kunuz: Journal of Islamic Banking and Finance Vol 3 No 1 (2023): Vol 3 No 1 (2023)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v3i1.601

Abstract

This study identifies monetary policy instruments that can be adopted or adapted to Islamic values to achieve the goal of controlling the circulation of money. Monetary policy has a central role in managing a country's economy, and the adoption of Islamic values in monetary policy instruments is increasingly gaining attention in the context of Islamic economics. This research uses a library approach by analyzing information sourced from articles, books, journals and various other documentation. The findings of this study explain that the adoption of Islamic values in monetary policy instruments can provide significant benefits in achieving sustainable economic goals and in accordance with Sharia principles. However, implementation challenges are also a concern, including technical aspects and a deep understanding of the principles of Islamic economics. Therefore, we propose practical guidance for monetary authorities in implementing monetary policy instruments inspired by Islamic values. Thus, contribution in formulating alternative monetary policies that integrate Islamic values with modern practices, as well as encourage the development of a more inclusive and sustainable economic system.
Efektivitas Penggunaan Aplikasi Kasda Online dalam Transaksi Dana Desa ridwan ridwan; Isnaini Tolas; Sri Murni
Kunuz: Journal of Islamic Banking and Finance Vol 3 No 1 (2023): Vol 3 No 1 (2023)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Advances in technology provide many conveniences to the community, one of which is the Online Regional Cash (KASDA) application. The Kasda Online application is an application intended for each village as a tool for conducting village fund transactions in North Sulawesi. This application was developed by PT Bank SulutGo. This study aims to discover how effective the use of the Kasda Online application is in village fund transactions in the Tutuyan sub-district, East Bolaang Mongondow Regency. The method used in this research is descriptive qualitative method. The data analysis techniques used in this study were data reduction, data presentation and data classification, while data collection used observation, interview, and documentation methods. Based on the results of the study, it shows that the Kasda Online of Bank Sulut-Go in Tutuyan sub-district, East Bolaang Mongondow Regency has not been used effectively and there are still several obstacles in operating it including inadequate human resources, and weak commitment and role of the provincial and district governments in overseeing the use of the Kasda Online application in their area.
Resepsi Masyarakat Kota Manado terhadap Quick Response Code Indonesian Standard (QRIS) dalam Melakukan Transaksi Adyantana Yusuf Sidiq; Rosdalina Bukido
Kunuz: Journal of Islamic Banking and Finance Vol 3 No 1 (2023): Vol 3 No 1 (2023)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v3i1.629

Abstract

This study aims to investigate public understanding of the Quick Response Code Indonesian Standard (QRIS) as a digital payment method. In Indonesia, the digitization of the payment system has experienced rapid progress and has received high interest from the public. Digital-based payment methods, especially QRIS, have become a favorite among the public. This study uses a descriptive qualitative research method. The results of the study show that people's understanding of QRIS payments in buying and selling transactions, issued by Bank Indonesia together with ASPI (Indonesian Payment System Association), is good. The informants in this study understand that QRIS is a digital payment method using a barcode that makes it easier for people to make transactions. This understanding is reflected in the results of interviews with the seven informants, which indicated that they understood QRIS as a service or payment method using a barcode through digital wallet and m-banking applications. This payment method makes it easy for people to make transactions. Thus, this study shows that the public has a good understanding of QRIS as a digital payment method. QRIS provides convenience and comfort in transactions for the community.
Penerapan Manajemen Risiko pada Produk Gadai Emas di Pegadaian Syariah Cabang Istiqlal Manado Muhammad Fikri Asnawir; Misbahul Munir Makka
Kunuz: Journal of Islamic Banking and Finance Vol 3 No 1 (2023): Vol 3 No 1 (2023)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v3i1.660

Abstract

ABSTRACT This study aims to analyze and determine the risk management associated with gold pawn products at Pegadaian Syariah Istiqlal Manado Branch. Risk management is a process that includes identifying, analyzing, and handling risks that may arise in the operations of an institution or business. In the context of Pegadaian Syariah Istiqlal Manado Branch, risk management in gold pawn products refers to identifying potential risks in the gold pawn process, as well as how these risks are anticipated, minimized, or managed so as not to interfere with the performance and sustainability of pawnshop operations. The method carried out in this study is descriptive qualitative. This research shows that risk management of gold pawn products at Pegadaian Syariah Istiqlal Manado Branch runs well and in accordance with applicable regulations. Effective implementation in identifying, analyzing, and managing the risks associated with gold pawn products has enabled the company to avoid potential losses and maintain operational sustainability. Investment security, organized liquidity, good reputation, good application of sharia principles, and business continuity are positive results of successful risk management. Nevertheless, companies need to continuously monitor and evaluate risk management measures in order to remain relevant and effective in facing changing conditions that may occur in the future. ABSTRAK Penelitian ini bertujuan untuk menganalisis peran manajemen risiko yang terkait dengan produk gadai emas di Pegadaian Syariah Cabang Istiqlal Manado. Manajemen risiko adalah suatu proses yang mencakup identifikasi, analisis, dan penanganan risiko-risiko yang mungkin timbul dalam operasional suatu lembaga atau bisnis. Dalam konteks Pegadaian Syariah Cabang Istiqlal Manado, manajemen risiko pada produk gadai emas mengacu pada identifikasi potensi risiko dalam proses gadai emas, serta bagaimana risiko-risiko tersebut diantisipasi, diminimalkan, atau dikelola agar tidak mengganggu kinerja dan keberlanjutan operasional pegadaian. Metode yang dilakukan dalam penelitian ini adalah kualitatif deskriptif. Penelitian ini menunjukkan bahwa manajemen risiko pada produk gadai emas di Pegadaian Syariah Cabang Istiqlal Manado berjalan dengan baik dan sesuai ketentuan yang berlaku. Implementasi yang efektif dalam mengidentifikasi, menganalisis, dan mengelola risiko-risiko yang terkait dengan produk gadai emas telah memungkinkan perusahaan untuk menghindarkan diri dari potensi kerugian dan menjaga keberlanjutan operasional. Keamanan investasi, likuiditas yang tertata, reputasi yang baik, penerapan prinsip syariah yang baik, dan keberlanjutan bisnis merupakan hasil positif dari manajemen risiko yang berhasil. Meskipun demikian, perusahaan perlu terus memantau dan mengevaluasi langkah-langkah pengelolaan risiko agar tetap relevan dan efektif menghadapi perubahan kondisi yang mungkin terjadi di masa depan.

Page 3 of 6 | Total Record : 52

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