Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan
The journal is published twice a year in June and December. Contains scientific articles in the form of research, analysis study, theoretical study and review of studies in the field of banks and financial institutions. Publishing this journal aims to increase the quantity and quality to spread knowledge and also as a means of communication between scientists, practitioners, students and observers of the banks and financial institutions
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<![CDATA[ANALISIS PENGENDALIAN PENYALAHGUNAAN AKAD WAKALAH PADA PRODUK PEMBIAYAAN MURABAHAH DI BMT SE-KABUPATEN JEPARA ]]>
<![CDATA[MAHMUDATUS SA'DIYAH]]>;
<![CDATA[MOCH AMINNUDIN]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.219
<![CDATA[This study discusses to study the practices, strengths and weaknesses and solutions that support the wakalah contract on murabaha financing products in BMTs in Jepara Regency. The type of this research is field research by obtaining qualitative. Data collection by interview, observation and documentation. Data reduction analysis techniques, data display and drawing conclusions / verification. The results showed that the practice of wakalah on murabaha financing products in BMT in Jepara Regency was BMT and the agreement to negotiate using a wakalah agreement and the transfer of funds after discussing a two-sided agreement, then BMT provided the hands asking for buying and selling letters and letters in question, then to buy goods to the supplier then send the goods to the buyer to BMT, then send to the buyer at BMT in accordance with the initial agreement. The advantage of wakalah practice on murabaha financing products in BMT is to build high trust between BMT and funds to translate in financing. The disadvantage is that most that do not deserve to understand BMT financing products, lack of openness about the business conditions to be funded, need deviations from the agreed agreement. The fix is to stick to the principle 5C and consider three important aspects of financing, which are safe, efficient, and profitable]]>
<![CDATA[DAMPAK SOCIAL CAPITAL STRONG-TIES VS WEAK-TIES TERHADAP DEFAULT PEMBIAYAAN INDIVIDU ]]>
<![CDATA[ALFI SYUKRI RAMA]]>;
<![CDATA[DAVY HENDRI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 1 (2018): Januari - Juni 2018 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v3i1.164
<![CDATA[LKMS with unique characteristics, in general has the potential to attract risk-averting individuals to access it. This is at least a mechanism of natural selection intervention (ex-ante) in reducing the possibility of adverse selection of customers with the concept of LKMS. However, several studies have also found that various LKMS financing products also provide incentives and disincentives to the trend of stalled installment financing. This study highlights the impact of characteristics such as: risk and religiosity preferences, which may differ from individual beneficiaries of financing in Islamic microfinance institutions (LKMS) against the probability of defaulting their defaults. The study was conducted by taking primary data in the form of samples of 60 customers who received financing from 1 (one) LKMS but consisted of 30 debtors who experienced financing installment defaults and 30 went smoothly. The process of collecting data uses a questionnaire containing questions about basic demographics, in addition to questions aimed at raising Islamic risk and religiosity preferences. In addition, the impact of external environmental characteristics is also estimated by using probit regression. Group-based financing, which is one of the objectives of reducing adverse selection, can have the opposite effect. Ineffective group roles for various reasons, contagion can be a trigger for moral hazard for other group members. The study found that in addition to religiosity, as an internal factor, the effectiveness of financing groups as a timely external factor of timely payment compliance also plays an important role.]]>
<![CDATA[PENGARUH TINGKAT KESEHATAN BANK SYARIAH DAN MAQASYID SYARIAH INDEKS TERHADAP PERTUMBUHAN LABA DENGAN GOOD CORPORATE GOVERNANCE SEBAGAI VARIABEL MODERATING ]]>
<![CDATA[YUSUF FAISAL]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 2 (2018): Juli - Desember 2018 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v3i2.202
<![CDATA[The purpose of this study is to see the effect of bank health, Sharia Maqasyid Index on the profit growth of Islamic banks in Indonesia in 2011 - 2017 with Good Corporate Governance as a moderating variable. By using secondary data from Islamic bank financial statements and good corporate governance reports from 2011-2018. Analysis tools use Moderated Regression Analysis (MRA). Based on the results of the study that the NPF variable has an insignificant effect on earnings growth. The results showed that the FDR variable had an insignificant effect on earnings growth. Thus this study rejects the second hypothesis which states that FDR has a significant effect on earnings growth. This is evidenced by the results of hypothesis testing with a probability value greater than 5% significance value (0.578> 0.05). ROA variable has a significant effect on profit growth. Thus this study accepts the third hypothesis which states that ROA has a significant effect on profit growth. This is evidenced by the results of hypothesis testing with a probability value smaller than the 5% significance value (0.000 <0.05). It is known that the NIM variable has a significance of 0.874 greater than 0.05 in other words that the NIM variable partially has no effect on profit growth. CAR variable has no effect on profit growth obtained a significance value> 0.05, which is 0.360. Regression coefficients for Shariah Maqasyid Index (MSI) are 6,422 and positive sign, which means if the MSI variable experiences a 1% increase, then profit growth will increase by 6,422. Coefficient is positive means that there is a positive relationship between MSI and profit growth, the higher the MSI ratio conducted by the company, the higher the company's profit growth.]]>
<![CDATA[APPLICATION OF COMMUNICATION ETHICS IN FINANCING PRODUCTS AT ISLAMIC BANKS IN GORONTALO ]]>
<![CDATA[WIWIN KONI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 1 (2022): Januari - Juni 2022 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v7i1.280
<![CDATA[This study aims to find out how to apply communication ethics in financing products at Islamic banks in Gorontalo. this type of research is field research with a qualitative approach. The data sources in this study consisted of primary and secondary data obtained from interviews with Islamic bank managers in Gorontalo, and documentation as well as those sourced from library research in the form of reading books and other sources relevant to this research. This study resulted in the findings that the application of the principles of communication ethics at Islamic banks in Gorontalo is not only a slogan, but is an integral part of the pattern of services provided. Banks and customers are parties that act as communicants and communicators in transactions on financing products at Bank Muamalat Gorontalo. All operational activities of Bank Muamalat are carried out based on provisions based on Islamic law and the MUI Fatwa.]]>
<![CDATA[DETERMINANTS OF MUZAKKI’ PREFERENCE IN INDONESIA: CONCEPTUAL FRAMEWORK ANALYSIS ]]>
<![CDATA[VIMA TISTA PUTRIANA]]>;
<![CDATA[YURNIWATI YURNIWATI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.214
<![CDATA[This paper aims to critically evaluate a conceptual framework of determinants of muzakki’ preferences in Indonesia when discharging their zakat obligations developed in Putriana (2018). Understanding preferences of muzakki in Indonesia is critical due to the huge zakat potential owned by Indonesia that can be explored and utilized by zakat institutions for maximum benefits of Indonesian people. The knowledge and understanding of muzakki’ preferences in choosing their zakat distribution channels will help policy makers to issue regulations required that help zakat institutions amplifying their roles and capacity. For zakat institutions, the knowledge and understanding is useful to formulate strategies needed to persuade muzakki in Indonesia to trust them managing their zakat. This study contributes to the development of a more comprehensive conceptual framework of determinants of muzakki’ preferences in Indonesian context. The current study also attempts to establish communication among researchers with different backgrounds working on the topic of muzakki’ preferences]]>
<![CDATA[EKSISTENSI LEMBAGA KEUANGAN MIKRO: CIKAL BAKAL LAHIRNYA BMT DI INDONESIA ]]>
<![CDATA[SLAMET MUJIONO]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 2 (2017): Juli - Desember 2017 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v2i2.138
<![CDATA[The theme of the article is the banks and financial institutions. The purpose of this paper is to analyze the existence of BMT in Indonesia. Microfinance Institutions have a long history. The emergence of Sharia Micro Finance Institutions is a reaction to the existence of conventional financial institutions. BPRS that is the first Sharia Micro Financial Institution. The BPRS emerges as a microfinance institution in the form of a Savings and Loans Cooperative. Then made a pilot project with the name Baitul Maal wat Tamwil (BMT). Society is very enthusiastic about the presence of BMT. The Indonesian government makes rules that regulate, build and supervise BMTs.]]>
<![CDATA[STUDI PERBANDINGAN KUALITAS PELAYANAN INDUSTRI PERBANKAN SYARIAH DENGAN KONVENSIONAL ]]>
<![CDATA[RONI ANDESPA]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 1 (2016): Januari - Juni 2016 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v1i1.26
<![CDATA[The study was conducted in West Sumatra with the object is shariah and conventional banking industry. Study the problems of shariah banking service quality comparison with a conventional one. This study aims to: (1) See if there are significant differences between the quality of service Islamic bank with conventional banks. (2) To see if there are significant differences between customer satisfaction Islamic bank with conventional banks. (3) To see if there are significant differences between customer loyalty Islamic banks with conventional banks. The research sample of 500 people. Data collection techniques used are Personally Administered Questionnaire. Using analysis of Independent Sample T-test. The study found no difference between the quality of services of conventional banks with shariah banks, but to the difference was not significant. The study also found no difference between conventional bank customer satisfaction with shariah banks, but to the difference was not significant. In addition the study also found no difference between conventional bank customers' loyalty to the shariah bank, but to the difference was not significant.]]>
<![CDATA[PEREKONOMIAN RUMAH TANGGA MUSLIM TERHADAP AKTIVITAS NERACA KEUANGAN RUMAH TANGGA ]]>
<![CDATA[ALMIZAN ALMIZAN]]>;
<![CDATA[TONY ISWADI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 2 (2018): Juli - Desember 2018 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v3i2.197
<![CDATA[The research themes are: financial balance. The purpose of the paper is to explain the balance sheet of Muslim households. This research is a research library research. Data analysis techniques are carried out by descriptive analysis. The balance between income and expenditure in Muslim households is the basis for the household economy, so as to avoid problems that occur in the future. Preparation of the balance sheet of the household budget is data that contains certain boundaries and estimates in terms of income, expenditure and development of funds so that it can estimate funds and be able to overcome the problem of lack of funds.]]>
<![CDATA[STRATEGI PENGHIMPUNAN DAN PENYALURAN DANA PADA BAITUL MAL WAT TAMWIL ]]>
<![CDATA[SANWANI SANWANI]]>;
<![CDATA[TITIEK HERWANTI]]>;
<![CDATA[AKHMAD JUFRI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 1 (2017): Januari - Juni 2017 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v2i1.87
<![CDATA[The theme of the article is the banks and financial institutions. The research objective was to determine strategies in collecting and distributing funds on BMT Al-Hidayah. The study was qualitative. Research technique is triangulation. The focus of the study was to determine the strategy that is used in collecting and distributing funds. Results of the study are: the collection and distribution of funds strategies used are: 1) Direct the place of prospective customers, 2) Social Care, 3) Marketing, and 4) Spread the brochure.]]>
<![CDATA[ANALISIS KINERJA BANK SYARIAH DENGAN METODE INDEKS MAQASID SYARIAH DI INDONESIA ]]>
<![CDATA[ANDRIANI SYOFYAN]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 2 (2017): Juli - Desember 2017 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v2i2.113
<![CDATA[The theme of the article is the banks and financial institutions. This study aimed to analyze the financial performance of Islamic banking in Indonesia using maqasid syariah index A behavioral approach operationalization method is used to quantify the Maqasid into measurable Islamic bank performance indicators that are later used for testing on a sample of four Islamic banks. The banks are evaluated and ranked at three levels based on their: 1) performance ratios, 2) performance indicators and 3) the overall Maqasid Index. This study used quantitative methods it is The Simple Additive Weighting or a weighted summation method. The results showed that the Bank Syariah Bukopin has the highst score in other words, Bank Syariah Bukopin showed better performance than the other three Islamic banks with maqasid syariah index.]]>
