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Rifadli D Kadir
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Kampus 2, Jl. Sultan Amai, No. 1, Ds. Pone, Kec. Limboto Barat, Kab. Gorontalo, Prov. Gorontalo, Indonesia 96215.
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Mutanaqishah: Journal of Islamic Banking
Published by Institut Agama Islam Negeri Sultan Amai Gorontalo
ISSN : -     EISSN : 28078500     DOI : https://doi.org/10.54045/mutanaqishah
Core Subject : Economy,
Economics, Econometrics & Finance
Mutanaqishah: Journal of Islamic Banking published in online, published by Department of Islamic Banking, Faculty of Islamic Economics and Business, IAIN Sultan Amai Gorontalo. Mutanaqishah contains the results of field research and library research or the results of thoughts about banking and Islamic banking. Mutanaqishah functions as a place for academics, scientists, researchers, practitioners and industry to share views on banking and Islamic banking as outlined in scientific papers. This Journal Published every June and December. The main focus of the Mutanaqishah: Journal of Islamic Banking is Islamic Banking, Banking, Non-Bank Financial Institutions, Islamic Bank Information Systems, Islamic Bank Accounting, Islamic Bank Audit, Islamic Bank Management, Islamic Banking Risk Management, Marketing Management of Islamic Banking, Islamic Bank Law Design, Islamic Bank Liquidity Management, Financial Statement Analysis Islamic Banking, Islamic Banking Ethics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 11 Documents
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Search results for , issue "Vol. 4 No. 1 (2024): June 2024" : 11 Documents clear
Product Development Strategy for Increasing Competitive Advantage at BMT Al-Huda Grabag Arum Maesaroh Putri; Yeny Fitriyani; Fuad Yanuar AR; Purwanto
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1555

Abstract

The research aims to determine BMT Al-Huda Grabag's product development strategy. This research focuses on identifying internal and external elements and creating the right business strategy. Product development strategies are crucial to improving BMT's position and competitiveness. Internal factor identification results indicate that companies today have strengths such as satisfactory and quality services, structured financial services, e-commerce platforms that support UMKM, and cooperation with various parties. Internal factors that need to be more robust are limited human resources and incomplete information on digital platforms. Identification of external factors such as public ignorance of religion, inaccurate customer financial reports, and competition with renters and online loans are threats. This research will enhance understanding of product development and targeted strategies for improving the competitiveness of BMT using qualitative approaches and SWOT analysis. Furthermore, the research results are expected to provide new knowledge for similar research.
Management of Murabahah and Musyarakah Financing Products at BMT Saudara Magelang as an Islamic Non-Bank Institutions Siti Masruroh; Fuad Yanuar Ahmad; Yeny Fitriyani
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1556

Abstract

This study focuses on the management of murabahah and musyarakah financing products at BMT Saudara, a non-bank Islamic financial institution. The objective is to understand and improve product management at BMT Saudara. The research methods include interviews, observations, and documentation. The findings show that BMT Saudara successfully implements murabahah and musyarakah financing schemes according to Sharia principles. These financing products reflect a deep understanding of Sharia principles. The study provides insights into best practices in managing Islamic financing products at non-bank financial institutions, particularly at BMT Saudara. These findings are expected to support further improvements and developments to enhance the effectiveness of murabahah and musyarakah financing product management in the Islamic finance environment. The implications of these findings include improved product management practices that can contribute to the growth and stability of non-bank Islamic financial institutions like BMT Saudara.
The Influence of Sharia Financial Literacy, Technological Advances, Return Expectations, and Minimum Capital on Generation Z's Interest in Investing in the Sharia Capital Market Muhimmatul Rizza; Edi Susilo
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1557

Abstract

This study investigates the influence of Sharia financial literacy, technological advancement, return expectations, and minimum capital on the investment interest of Generation Z in the Sharia capital market of Jepara Regency. Using a quantitative method, the research targets Generation Z individuals in Jepara Regency, irrespective of their investment status. Data were collected through Google Forms questionnaires distributed to 100 participants. Analysis, conducted using SPSS version 25, revealed that 71.8% of Generation Z's investment interest in the Sharia capital market is influenced by the studied factors, while 28.2% is affected by other factors not included in the model. This study significantly contributes to understanding what drives Generation Z's interest in Sharia investments, offering valuable insights for the Sharia finance sector. The findings highlight the importance of enhancing financial literacy, technological adoption, and accessibility to attract more Generation Z investors to the Sharia capital market.
The Influence of Financing, Service-Based Income, and Internal Factors on Net Operating Margin in Islamic Commercial Banks Raden Marsha Ananda Putri; Tenny Badina; Ahmad Fatoni
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1559

Abstract

This study examines the impact of the Financing to Deposit Ratio (FDR), Fee-Based Income (FBI), Operating Expenses to Operating Income (BOPO), and Non-Performing Financing (NPF) on the Net Operating Margin (NOM) of Islamic Commercial Banks (BUS) in Indonesia from 2017-2023. Amid concerns about the sustainability of Islamic banks due to excessive reliance on FBI rather than financing (FDR). Panel data from secondary data Islamic Commercial Banks (BUS) financial statements and the Financial Services Authority (OJK) with Eviews 12. The results show that an increase in FDR positively affects profitability (NOM), while excessive reliance on FBI significantly negatively impacts profitability (NOM). BOPO also has a significant negative impact on profitability (NOM), whereas Non-Performing Financing (NPF) does not significantly affect profitability (NOM). These findings suggest that Islamic Commercial Banks should optimize FDR and BOPO, carefully manage dependence on FBI, and diversify income and risk strategies to enhance profitability.
Application of Mudharabah Contract on Business Capital Financing Products at BMT ANFA' NU Umi Arifah; Achmad Nur Alfianto; Yeny Fitriyani
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1573

Abstract

This research explores the use of mudharabah contracts in capital financing products at BMT Anfa' NU, an Islamic microfinance institution. Using qualitative methods, especially grounded theory, this study reveals that BMT Anfa' NU complies with the profit sharing principle determined at the beginning of the contract and provides funding on a weekly or monthly basis. The business capital financing products offered are in accordance with Sharia guidelines, with procedures that include application submission, document collection and feasibility assessment. This research provides a comprehensive understanding of the implementation of mudharabah agreements in financing business capital at BMT Anfa' NU, as well as the steps needed to access business capital through this sharia financial institution. In addition, this research provides practical recommendations to BMT Anfa' NU to improve the quality of mudharabah contract implementation and can serve as a guide for other Islamic microfinance institutions.
The Influence of Productive Social Funds and Zakat Funds on The Development of MSMEs: Comparative Study of Social Services and BAZNAS Cilegon City Fennty Septiani; Sulaeman Jajuli; Bani Idris Hidayanto
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1574

Abstract

Direct Cash Assistance from the Village Fund is the term used to refer to government support that is allocated directly from the state budget. In addition to the community, they are also able to receive financial support from zakat in the form of productive assistance for micro, small, and medium enterprises (UMKM). This study employs descriptive quantitative research methods, specifically research that collects data in numerical form. The main sources of data for this research come from individuals who receive social assistance from Cilegon City Social Service and productive zakat from BAZNAS Cilegon City. Researchers collected primary data by interviewing and surveying these recipients. Providing social funds and productive zakat funds greatly impacts the growth of MSMEs. Social service and BAZNAS Cilegon City assist and manage the funds to ensure they are utilized properly for MSME development, improving the community's quality of life. The distribution of funds at BAZNAS Cilegon City is effectively done in cash for business capital, including home industries and small stalls. Currently, the distribution of social aid at DINSOS Cilegon City is not working well as the beneficiaries keep changing every year.
Analysis of Qordhul Hasan Financial Management at The Non-Bank Islamic Financial Institutions: Evidence from Islamic Saving and Loan Cooperative Miftahul Janah; Dwi Harmoyo; Edo Segara Gustanto
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1587

Abstract

The purpose of this research is to find out the management of Qordhul Hasan and analyze it based on the management functions implemented at BMT Beringharjo. This research is field research with a qualitative and descriptive approach. Primary data were obtained from interviews with management, managers, and members of BMT Beringhgarjo, while secondary data is in the form of notes or papers from various scientific works, the internet, or publications about this research problem. Methods of data collection used observation, interviews, and documentation Assessment of the validity of the data used triangulation techniques, sources, and time Data analysis involves the processes of data collection, data reduction, statements, and concluding. The results of the study show that BMT Bringharjo has implemented Qardhul Hasan financing product management since the submission of the application to completion. BMT Bringharjo in implementing the functions of Qardhul Hasan's financing management as follows: Planning, including the source of funds targeting officers and administration. Organizing includes human resources, time scheduling, and fund allocation. Implementation includes application services, appraisal, realization, installments, billing, and settlement. Control includes monitoring borrower members based on current, substandard, doubtful, and loss categories with different handling according to the Qardhul Hasan financing category.
Optimizing the Role of KSPPS ERA in Supporting the Development of Small and Medium Enterprises Ulfiatha Chaerunisa Amir; Achmad Nur Alfianto; Fuad Yanuar Akhmad Rifai
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1589

Abstract

This research explores the role of KSPPS ERA in developing SMEs through the provision of interest-free loans and the impact of support on SME growth. The objectives of this study were to identify and analyze the contribution of KSPPS ERA in supporting local SMEs, observe the impact of interest-free loans on business development, and understand how an Islamic finance approach can strengthen the small and medium enterprise sector. The descriptive qualitative method was used in this study with data collection through interviews by KSPPS ERA management, SMEs, and direct observation of KSPPS ERA's business activities and operations. The results show that KSPPS ERA's support is mainly through interest-free loans, and help in developing local SMEs. SMEs welcome this support because it can increase income, expand business, and increase labor in SMEs that get financing without considering loan interest.
Financial Performance Analysis of Bank Syariah Indonesia Post Merger: RGEC Approach Ningsih, Setia; Hendra H. Dukalang
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1590

Abstract

Bank is a company that has an important role in building the economy. In Indonesia, commercial banks used by the public are Conventional Banks and Islamic Banks. One important factor that shows the efficiency and effectiveness of Islamic banking in achieving its goals is performance. The occurrence of a continuous decline in performance can cause the bank to be in a bad state, even at risk of bankruptcy and loss of trust from customers. As a newly merged bank, Bank Syariah Indonesia (BSI) needs to measure the health level of the bank. This study aims to measure the health level of BSI using the RGEC method (Risk Profile, Good Corporate Governance, Earning and Capital). The results of data analysis and discussion show that the assessment of the health level of BSI from 2021 to 2022 using the RGEC method (Risk Profile, Good Corporate Governance, Earning and Capital) as a whole can be said that BSI is a very healthy bank.
Customer Satisfaction Mediates the Effect of Marketing Mix and Self Service Technology on Customer Loyalty Musfiroh, Mila Fursiana Salma; Wal Faizah; Titik Hinawati; Laila Sabrina
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1606

Abstract

This research aims to examine the influence of marketing mix and self service technology variables on customer loyalty for rahn products with customer satisfaction as a mediating variable. Marketing mix is a marketing strategy that involves four main elements, namely product, price, place and promotion. Meanwhile, self-service technology is business development carried out by a company by providing self-service innovation. This research uses quantitative research methods. The population in this study were customers of Rahn products at PT. Sharia Pawnshop, Pasar Wage Purwokerto Branch with a sample size of 95 respondents. The data obtained was analyzed using the Structural Equation Modeling (SEM) analysis technique with the alternative Partial Least Square (PLS) approach via SmartPLS 4.0 software. The research results show that only the product and promotion variables have an influence on customer satisfaction and the place variable has an influence on customer loyalty. Implications this research uses customer data on rahn products at the Sharia Pegadaian Pasar Wage Purwokerto in 2020-2022.

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