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Yuli Andriansyah
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INDONESIA
Journal of Islamic Economics Lariba
Published by Universitas Islam Indonesia
ISSN : 24774839     EISSN : 25283758     DOI : https://doi.org/10.20885/jielariba
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Journal of Islamic Economics Lariba provides a platform for academicians, researchers, lecturers, students, and others having concerns about Islamic economics, finance, and development. The journal welcomes contributions on the following topics: Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic human resource management, Islamic microfinance, Islamic capital market, and other relevant Islamic economic and financial studies.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol. 9 No. 2 (2023)" : 15 Documents clear
The analysis of sharia compliance in the implementation of KPR Syariah iB Hebat product at BPRS Dana Amanah Surakarta Sup, Devid Frastiawan Amir; Firdaus, Muhammad Irkham; Bilhaq, Aqil Mutashim
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art1

Abstract

IntroductionBPRS Dana Amanah Surakarta, as part of a sharia entity, has an obligation to comply with sharia. One of the products implemented is KPR Syariah iB Hebat financing.ObjectivesThis research aims to analyze sharia compliance in the implementation of KPR Syariah iB Hebat products at BPRS Dana Amanah Surakarta, as well as the role of DPS in controlling and supervising every operational activity and product so that it remains in accordance with sharia regulations and principles. MethodThis research used a qualitative approach, in the form of field research, to describe the field data obtained and analyzed in this research.ResultsThe contract used in the KPR Syariah iB Hebat product at BPRS Dana Amanah Surakarta is a murabahah, istishna’ parallel, and musyarakah mutanaqishah contracts, based on DSN-MUI fatwa. The provisions listed in the DSN-MUI fatwa are then compiled into a letter of agreement. DPS supervises the development of new BPRS products and activities and supervises BPRS activities. Until now, there have been no findings of serious deviations from sharia aspects at BPRS Dana Amanah Surakarta, usually the findings are limited to administrative requirements that can be fulfilled. ImplicationsBPRS Dana Amanah Surakarta should maintain the sharia compliance for KPR Syariah iB Hebat and its other financial products. Other Islamic micro financial institutions can follow the steps taken by BPRS Dana Amanah Surakarta to engineer its financial products.Originality/NoveltyThis research made an important contribution in the form of concepts and implementation on sharia compliance, which is a part that should not be separated from the activities of sharia entities, as a reference for analyzing and developing the financial, economic, and Islamic business in the future.
The influence of financial performance on profitability of sharia commercial banks in Indonesia using the CAMEL method Minarni; Abidin, Munirul; Ekowati, Vivin Maharani
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art4

Abstract

IntroductionResearch on Islamic commercial banks in Indonesia have been extensively conducted, with a focus on banks in general and large banks. However, research specifically targeting medium-sized banks, namely PT Bank Muamalat Indonesia, PT Bank Mega Syariah, PT Bank Panin Dubai Syariah, PT Bank BCA Syariah, and PT Bank KB Bukopin Syariah, is still limited.ObjectivesThis study aims to examine the influence of the financial performance of Islamic banks on their profitability using the CAMEL indicator.MethodThis research is quantitative with a correlational approach. The population in this study consists of 12 Islamic commercial banks in Indonesia, with 5 of them selected as samples. The sampling technique used is purposive sampling. The study utilizes secondary data from quarterly financial ratio reports of Islamic banks published by the Financial Services Authority (OJK). The analysis involves evaluating the impact of CAR, NPF, NOM, BOPO, and FDR on ROA using multiple linear regression analysis.ResultsThe findings indicate that, partially, CAR and NPF do not significantly affect the ROA of Islamic banks. However, NOM, BOPO, and FDR have a significant impact on the ROA of Islamic banks.Implicationsthe research motivates Islamic bank management to improve their financial ratios to meet the health criteria set by Bank Indonesia (BI) and OJK. Maintaining healthy financial ratios has implications for the level of trust that customers and potential customers have in Islamic banks and ultimately determines the long-term existence of these banks.Originality/NoveltyThis study contributes to the development of risk management theory by examining the factors influencing the fluctuations in the values of CAR, NPF, NOM, BOPO, and FDR on the ROA of Islamic banks.
Developing Islamic financial literacy in improving Islamic financial behavior towards the financial well-being of MSMEs: The moderating effect of e-payment usage Rohmania, Aftuqa Sholikatur; Sholihah, Erlinda; Nurhapsari, Risma
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art2

Abstract

IntroductionAs the country with the largest Muslim population in the world, Indonesia has the potential to develop the financial welfare of MSMEs as a driver of economic growth. However, studies on the financial well-being of MSMEs from an Islamic finance perspective are limited.ObjectivesThis study discusses the impact of Islamic financial literacy and Islamic financial behavior on the financial well-being of MSMEs, with e-payment usage as a moderating variable. MethodThis study used a quantitative approach with a sample of 200 culinary MSMEs in Semarang, Indonesia. Data collection was carried out using questionnaires, and data analysis was carried out using the partial least squares structural equation modelling technique.ResultsThe dimensions of Islamic financial literacy (Islamic financial knowledge, financial skills, and self-efficacy) have a significant positive effect on Islamic financial behavior. Islamic financial knowledge has no significant effect on financial well-being of MSMEs, whereas financial skills and self-efficacy have a significant positive effect. Islamic financial behavior has a significant positive effect on financial well-being of MSMEs. E-payment usage does not moderate the relationship between Islamic financial knowledge and financial skills towards Islamic financial behavior. ImplicationsThis study shows the importance of Islamic financial literacy and Islamic financial behavior to improving the financial welfare of MSMEs in Indonesia. The government and Islamic finance stakeholders in Indonesia need to continue to improve Islamic financial literacy and the Islamic financial behavior of society.Originality/NoveltyThis study contributes to the development of Islamic financial literacy and Islamic financial behavior as part of efforts to improve the financial welfare of MSMEs.
Financial risk mitigation of collateral-free kredit usaha rakyat mikro at Bank Syariah Indonesia KCP Ujung Berung 1 Gustini, Yasni; Amaliah, Ima; Hartono, Budi
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art5

Abstract

IntroductionBank Syariah Indonesia participates in disbursing kredit usaha rakyat (KUR) mikro with a maximum financing ceiling of Rp 100 million without requiring collateral. This is worth further investigation, especially from the perspective of financing risk mitigation.ObjectivesThis research aims to identify risk mitigation strategies to reduce the impact on non-performing financings from kredit usaha rakyat mikro.MethodThe study is located at Bank Syariah Indonesia KCP Ujung Berung 1 in the city of Bandung, using a qualitative descriptive method. Research data is processed using interview and documentation techniques.ResultsField findings indicate dynamic disbursement of KUR from January to April, totaling Rp 3.69 million. In April 2023, delinquent credits decreased by 0.5% from 6.6% in March 2023 to 6.1%. This is evidenced by the risk mitigation strategy used to address delinquent credits, which involves identifying customers who meet established criteria and conducting necessary checks, such as BI checking/SLIK, trade checking, and market checking. Additionally, the bank requires customers to obtain life insurance before applying for financing.ImplicationsThe research motivates Islamic bank management to reduce financial risk in financing to micro, small, and medium enterprises by improving their financial risk mitigation.Originality/NoveltyThis study can serve as a reference for banks to reduce the risk of non-performing financing by implementing credit risk mitigation strategies.
Implementation of digital marketing at the Grand Kutilang Syariah Hotel Bandar Lampung during the recovery period after the Covid-19 pandemic: A sharia business perspective Fauziyah, Asfiatul; Anggraeni, Erike; Hilal, Syamsul
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art3

Abstract

IntroductionPrevious studies have analyzed the application of digital marketing in the hotel industry during the Covid-19 pandemic. However, research on digital marketing in the context of the hotel industry with an Islamic approach is still limited.ObjectivesThis study discusses the implementation of digital marketing in a sharia hotel as response to the Covid-19 pandemic. MethodThis study used a qualitative approach with a case study at Grand Kutilang Syariah Hotel Bandar Lampung. Data collection was carried out using questionnaires, and data analysis was carried out using inductive technique.ResultsThe Grand Kutilang Sharia Hotel, as part of tourism and hospitality industry in Lampung Province, employed digital marketing strategies to maintain business continuity during and after the COVID-19 pandemic. The implementation of digital marketing in The Grand Kutilang Sharia Hotel during the Covid-19 pandemic, involves optimizing the use of social media platforms such as WhatsApp, Instagram, Facebook, Twitter, YouTube, and TikTok. This implementation aligns with Sharia business principles.ImplicationsThis study shows the importance of adopting technological advancement in sharia hotel industry. Sharia hotels should take advantage of technological developments to maintain their business.Originality/NoveltyThis study contributes to the literature regarding sharia hotel marketing strategies in facing the crisis.

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