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Ahmad Tibrizi Soni Wicaksono
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Maliki Islamic Economics Journal
Published by Universitas Islam Negeri Maulana Malik Ibrahim Malang
ISSN : 27980383     EISSN : 27978125     DOI : 10.18860
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Maliki Islamic Economics Journal (M-IEC Journal) is presented to promote Islamic economics and finance knowledge to the world. Its establishment is aimed at being a scholarly journal with an international reputation. It is intended as a credible place for academicians and researchers across the globe to disseminate their works, studies, papers, and other research formats. M-IEC Journal is in open-access format, allowing readers to access and download the articles freely. It is published by the Faculty of Economics, UIN Maulana Malik Ibrahim Malang, Indonesia
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 75 Documents
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The Effect of Macroeconomic and Microeconomic Variables on the Profitability of Sharia Commercial Banks in Indonesia Himma, Nurrosyida Latifa; Jaya, Tiara Juliana
Maliki Islamic Economics Journal Vol 4, No 1 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i1.26448

Abstract

This study aims to determine the influence of macro and microeconomic variables on the profitability of Sharia Commercial Banks in Indonesia. The sample determination in this study used purposive sampling techniques and produced seven samples of Sharia Commercial Banks used in this study. The dependent variables used consist of inflation, interest rates, Gross Domestic Product (GDP), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expense to Operating Income (OEOI). The data analysis method used is panel data regression with e-views software version 12. The results of this study show that interest rate, GDP, and OEOI variables partially have a significant effect on the profitability of Sharia Commercial Banks, while inflation, NPF, and FDR variables partially do not have a significant effect on the profitability of Sharia Commercial Banks in Indonesia in 2017-2021. Meanwhile, based on the results of simultaneous tests, it was found that the variables of inflation, interest rates, GDP, NPF, FDR, and OEOI had a significant effect on the profitability of Sharia Commercial Banking 2017-2021.
Background of The Board of Director and Financial Intermediary: Does It Contribute to The Performance of Islamic Banks? Rahmawati, Alvi
Maliki Islamic Economics Journal Vol 3, No 2 (2023): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v3i2.24840

Abstract

This study aims to examine the effect of women leadership, education level, financing and investment on the profitability of Islamic banks. The type of data used is secondary data in the form of annual reports of Islamic banks for the 2016-2020 period. Data collection was carried out using purposive sampling technique so that the sample obtained for research was 12 Islamic banks. The analytical tool used in this panel data regression with dummy variables is e-views 10 software. The results showed that partially financing and investment have a positive and significant effect on the profitability of Islamic banks, while women leadership and education level have no effect on profitability. Simultaneously, women's leadership, education level, financing and investment have an influence on profitability. Then based on the results of the determination test shows that the independent variables in the form of women's leadership, education level, financing and investment are able to explain the dependent variable profitability by 99%, while the other 1% is explained by other variables not mentioned in this study.
Determination of Firm Value with Dividend Policy as Moderation Variable: Evidence Islamic Banking in the World Shoumi, Indah Nur Hikmatus; Wardana, Guntur Kusuma
Maliki Islamic Economics Journal Vol 4, No 1 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i1.26956

Abstract

Islamic banking is a company sector that dominates the global Islamic economic industry. To hold it, Islamic banking has to do a lot. One of which is to grow the value of the company. This research aims to identify factors that have an effect on company value in Islamic banking companies in the world. The company value factors studied are profitability (ROE), leverage (DER), company size, and dividend policy (DPR) as moderating variables. To determine the sample, researchers used purposive sampling by selecting 20 Islamic banks registered with the Islamic Financial Service Board (IFSB). Descriptive statistical analysis and moderated regression analysis are used as analysis methods. The results of this research show that profitability and company size have a significant effect on the value of Islamic banking companies. Leverage does not have a significant effect on the price of Islamic banking agencies. Dividend policy as a moderating variable does now not show significant results so it cannot moderate the connection between profitability, leverage and company size on the value of Islamic banking firms. Simultaneously, the variables profitability, leverage, firm size and dividend policy significantly impact the value of Islamic banking companies.
Analysis of the Use of Surplus and ISAK 35 in Non-Profit Financial Statements: Evidence from NU Insan Cendikia Kediri Nadhifa, Tsania Qotrunnada; Abdani, Fadlil
Maliki Islamic Economics Journal Vol 3, No 2 (2023): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v3i2.26295

Abstract

The aim of this research is to evaluate the application of ISAK 35 in preparing financial reports for non-profit entities and the Regulation of the Minister of Finance of the Republic of Indonesia number 68/pmk. 03/2020 in using excess balance in non-profit entities. The background to this research is the incompatibility between the Foundation's financial reports and ISAK 35 and the absence of administration regarding reporting on the use of surplus at the Foundation. This is due to the lack of knowledge of the applicable financial regulations by the parties who regulate the Foundation's finances. The type of research used in this research is case study research. So, the results and conclusions of this research only apply to the NU Insan Cendikia Education Foundation, Kediri City. The results of this research show that the NU Insan Cendikia Education Foundation in Kediri City in preparing financial reports is still simple, then it has been adjusted by the researcher to the applicable regulations, namely ISAK 35. In using the surplus of the NU Education Foundation, Insan Cendikia has implemented the applicable regulations, namely Regulation of the Minister of Finance of the Republic of Indonesia number 68/pmk. 03/2020 by using it again to procure its own infrastructure in the first and second years after the remaining balance has been used, but the Foundation has not carried out administration.
Determining Key Factors Influencing Purchase Intentions in Halal-Certified Stores in Non-Muslim Country Wicaksono, Tutur
Maliki Islamic Economics Journal Vol 4, No 2 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i2.29530

Abstract

This study aims to identify and analyze the key factors influencing purchase intentions among consumers in halal-certified stores located in a non-Muslim country. A quantitative research design was employed, utilizing a structured closed-ended questionnaire distributed to a sample of 384 consumers who had previously shopped into halal-certified stores. The data were analyzed using an analytical hierarchy process (AHP) framework and statistical methods, including descriptive statistics, to identify the key factors of halal-certified store purchase intentions. The results reveal that the finding reveal that product quality (score = 4.41), halal awareness (score = 4.31), and halal certification (score = 4.27) are the top three factors influencing customer purchase intention for halal-certified stores in non-Muslim countries. This study provides valuable insights for retailers and marketers in non-Muslim countries seeking to enhance the appeal of halal-certified stores. Focusing on improving product quality, halal awareness, and halal certification. businesses can better cater to consumers’ needs and preferences. This study contributes to the existing literature by exploring the dynamics of halal consumption in non-Muslim contexts, highlighting the importance of understanding consumer behavior in multicultural environments.
Customer Satisfaction in Islamic Banking: Analyzing the Key Drivers in Indonesia Anisa, May Nur; Alrasyid, Harun; Taqwiem, Ahsani
Maliki Islamic Economics Journal Vol 4, No 2 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i2.28815

Abstract

This study investigates the factors influencing customer satisfaction in Indonesian Islamic banks, specifically focusing on Bank Syariah Indonesia (BSI). Employing a quantitative method with multiple regression linier and purposive sampling technique, the study gathered data from 100 respondents who are customers of Bank Syariah Indonesia. Data collection was conducted by directly distributing questionnaires to these customers. The results show that service quality has a significant impact on customer satisfaction, indicating that higher service standards lead to increased satisfaction among customers. Additionally, price perception significantly affects customer satisfaction, suggesting that competitive and fair pricing enhances customer contentment. However, the study finds that convenience does not have a significant influence on customer satisfaction. The findings of this study suggest that Islamic banks should prioritize improving service quality and maintaining competitive pricing to boost customer satisfaction. While convenience is important, it may not be the primary driver of satisfaction for customers of Islamic Banking. These insights can help Islamic banks formulate strategies to enhance customer experiences. This study provides valuable insights into the key drivers of customer satisfaction in the context of Indonesian Islamic banking.
Analysis of E-Banking Development In Islamic and Conventional Commercial Banks: Evidence From Indonesia Pujiharto, Yaya Ruhenda Casmita; Yusnita, Titien
Maliki Islamic Economics Journal Vol 4, No 1 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i1.29064

Abstract

This study analyzes the impact of IT-based banking services on Islamic and Conventional Commercial Banks in Indonesia. It evaluates their influence on the number of bank branches, Automated Teller Machines (ATM), Operating Costs (BOPO), and Net Income (NI). The research uses secondary data from The Financial Services Authority (OJK), Bank Indonesia, and the Indonesian Payment System Association (ASPI) for the 2018-2023 period. The data analysis employs the ECM (Error Correction Model) method. Results show that e-banking services significantly affect the dependent variables. For the branch model, mobile and internet banking impact branch numbers in the long term, but not in the short term. Mobile and internet banking have a long-term effect on ATMs, while the Quick Response Code Indonesian Standard (QRIS) and e-banking services influence ATMs in the short term. In terms of BOPO, mobile banking and QRIS affect it in the long term, while internet banking and QRIS influence it in the short term. Lastly, mobile banking and QRIS have a long-term effect on Net Interest Margin (NIM), but no significant effect in the short term. Overall, the findings demonstrate that mobile banking, internet banking, and QRIS are important factors influencing various banking metrics over different timeframes.
The Evolving Landscape of Real Sector Halal Industry Research: A Bibliometric Approach Rahma, Sakina Nur; Cahyadi, Ady
Maliki Islamic Economics Journal Vol 4, No 1 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i1.28844

Abstract

This study aims to analyze research trends on the real sector halal industry. This research uses bibliometric analysis which focuses on performance analysis and knowledge mapping. The database used is Scopus with a total of 632 metadata. The main software used for analysis is VOSviewer and Biblioshiny. The results of the analysis stated that research on the real sector halal industry began in 1994 and experienced the highest publication in 2023 with 105 publications. The best collaboration between countries is the collaboration between Malaysia - Indonesia. The influential author in real sector halal industry research is Mohd Helmi Ali and the country that is the leader of real sector halal industry research is Malaysia. The topic that is the main focus of discussion in the real sector halal industry in the global scope is halal food. Topic that has the potential to be developed in future research is the implementation of blockchain, especially in halal tourism.
Finding Interest Factor of Sharia Home Ownership Credit in Malang City Saputra, Rangga
Maliki Islamic Economics Journal Vol 4, No 2 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i2.30125

Abstract

This study aims to identify factors influencing customer interest in Sharia Home Ownership Credit (KPRS) in Malang City. The study was conducted on 384 customers from 12 Islamic banks in Malang City who have used KPRS for at least one year. The study employs Exploratory Factor Analysis (EFA) to determine the underlying factors shaping customer interest in KPRS. The analysis revealed seven key factors: Service Quality (including officer performance and information delivery), Price (covering affordability and fees), Brand Image (encompassing professional impression and market coverage), Buying Interest (related to usury-free margins), Digital Media (involving information accessibility), Needs (focusing on product suitability), and Usefulness (including price-benefit alignment). The findings suggest that Islamic banks should enhance their digital presence, maintain competitive pricing, and ensure high service quality to improve their Sharia mortgage products. However, this study is limited by its geographical scope being restricted to Malang City, its focus only on existing customers rather than potential ones, and its timing during post-pandemic recovery, which may have influenced customer perspectives.
Analysis of Factors Influencing Public Preference for Waqf Products in Islamic Insurance: Evidence in Tasikmalaya City Rizal, Annas Syams; Yahuza, Bello Sani; Lahuri, Setiawan Bin; Muqorobin, Ahmad
Maliki Islamic Economics Journal Vol 4, No 2 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i2.30021

Abstract

This study assesses public interest in waqf insurance within Indonesia's Islamic life insurance sector, utilizing the Analytic Network Process (ANP) to evaluate awareness, trust, and perceptions. Qualitative data from interviews and document analysis supplement the ANP findings, offering a comprehensive understanding of public views. The study emphasizes the importance of innovative marketing strategies in promoting waqf insurance products, revealing that limited public awareness and understanding highlight the need for educational initiatives and targeted marketing. Trust and credibility also play a significant role in consumer decision-making in this niche market. The study suggests that improving public understanding, enhancing accessibility, and fostering trust through regulatory transparency are crucial for increasing participation in waqf insurance. Future study should focus on educational campaigns, transparent communication to build trust, and raise awareness of waqf insurance benefits.

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