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Drajat Stiawan
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Velocity: Journal of Sharia Finance and Banking
Published by Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
ISSN : 2797247X     EISSN : 27971546     DOI : https://doi.org/10.28918/velocity
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Velocity: Journal of Sharia Finance and Banking is a journal that provides authoritative scientific information sources for researchers and academics in academia, research institutions, government agencies, and industry. ISSN Print is 2797-247X and Online is 2797-1546. We publish original research papers, review articles and case studies focused on Islamic Finance and Banking as well as related topics. All papers were peer reviewed by at least two reviewers. This journal is maintained and published by Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 105 Documents
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Meningkatkan Profitabilitas pada Bank Umum Syariah melalui Rasio Keuangan Defia Suci Adi Putri; Rohmah, Farida
Velocity: Journal of Sharia Finance and Banking Vol 4 No 2 (2024): November 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v4i2.9204

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA) pada Bank Umum Syariah Indonesia periode 2018-2022. Penelitian ini merupakan penelitian kuantitatif. Jenis data yang digunakan yakni berupa laporan keuangan tahunan yang diperoleh dari website resmi masing-masing bank dari tahun 2018-2022. hasil penelitian menyatakan bahwa variable FDR dan NPF tidak berpengaruh signifikan terhadap variabel ROA. Variabel CAR menunjukan bahwa CAR memiliki arah yang positif dan memiliki pengaruh yang signifikan terhadap ROA. Sedangkan variabel BOPO berpengaruh negatif dan signifikan terhadap profitabilitas (ROA). Kemudian berdasarkan hasil uji secara simultan (uji f), keempat variabel tersebut yaitu CAR, FDR, NPF, dan BOPO secara bersamaan berpengaruh signifikan terhadap ROA.
Problematics of Murabaha Agreement in Indonesian Islamic Banking: A Systematic Literature Review M Nur Ikhwan; Inna Khoridatul Bahiya; Awaludin Taufiq; Aditya Darmawan; Fahri Safagutan
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.9100

Abstract

This study aims to investigate the dynamics and challenges of Murabaha practices in Indonesian Islamic banking. Using a systematic literature review (SLR) method, it examines 17 peer-reviewed articles published between 2014 and 2024, retrieved from Google Scholar and Scopus databases. The study finds that Murabaha is the most dominant financing contract in Indonesian Islamic banking and plays a crucial role in supporting national economic development, particularly through micro, small, and medium enterprise (MSME) financing. However, findings reveal widespread use of the annuity method and frequent violations of ownership principles in Murabaha bil wakalah contracts, posing significant Sharia compliance risks. These challenges are further exacerbated by non-transparent margin setting, limited knowledge among practitioners and customers, weak regulatory oversight, and the preference of Islamic banks for operational simplicity and liquidity over strict adherence to Sharia principles. Such practices may undermine the authenticity and credibility of Islamic financial instruments. To address these concerns, this study recommends improving Sharia literacy among implementers and customers, and strengthening the institutional role and authority of the Sharia Supervisory Board (DPS). These steps are essential to ensure that Murabaha financing remains compliant with Islamic legal principles and contributes effectively to the ethical development of Indonesia’s Islamic banking sector.
Review of Fiqh Muamalah on Online Buying and Selling Practices in the Digital Era R. Nia Marotina; Izzul Haq, Muhammad
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.10117

Abstract

This study examines online shopping practices from the perspective of fiqh muamalah, particularly in response to problems such as fraud, damaged goods, and delivery issues. Using library research methods, the study concludes that online transactions are permissible as long as they comply with Islamic principles, including mutual consent, clarity of contract terms, and the presence of fair legal oversight. The results obtained from this study indicate that online shopping is allowed, if it is in accordance with the provisions of fiqh muamalah, namely not violating the provisions of religious law, there is an agreement between the seller and the buyer if something unwanted happens between the agreement (Alimdha') or cancellation (Fasakh), and there are strict and clear supervision, sanctions, and legal rules from the government to ensure that buying and selling using online transactions is permissible for the public
Market-Oriented Fundraising in Government Zakat Institutions: Evidence from Central Java, Indonesia Alam, Azhar; Jannah, Nur; Nisa', Eka Lutfia Khoirun; Isman
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.10311

Abstract

This study examines how government zakat institutions, specifically BAZNAS Solo, Boyolali, and Sragen, employ market-oriented fundraising strategies to enhance muzakki participation and trust in zakat distribution. Using a qualitative descriptive approach, data were collected through in-depth interviews with 10 BAZNAS officers and 10 muzakki, supplemented by relevant literature on market-oriented fundraising. The qualitative method was selected to capture the nuanced perspectives and contextual factors influencing the effectiveness of these strategies, which may not be fully understood through quantitative measures alone. The findings reveal that all three BAZNAS utilize digital applications (such as Simba lite and Muzakki Corner), community training, targeted socialization, and partnerships with online marketplaces and local organizations to increase zakat collection and public trust. However, challenges persist, including limited digital literacy among some donors and the need for improved transparency and accountability. These results highlight the importance of adaptive fundraising strategies for government zakat institutions and suggest that future research could benefit from a mixed-methods approach to evaluate the impact and scalability of these innovations.
Analisis Efektivitas Pengelolaan dan Pendistribusian Zakat dalam Mengurangi Kemiskinan Melalui Program Pemberdayaan Ekonomi pada BAZNAS Kota Batu : Pendekatan Kuantitatif Aulia, Nur Afifa; Hakim, Rahmad; Hakim, Arif Lukman; Noviyanti, Ririn
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.10332

Abstract

The problem of poverty in the city of Batu is still exist which motivated by several factors due to the low provision of zakat, infaq and alms funds collected from the community through BAZNAS Batu City. The aim of this research is to see the effectiveness of zakat management and distribution carried out by BAZNAS Batu City. In this research, a quantitative method was used with a significance test approach. The population and sample in this study were 51 respondents using data collection techniques through questionnaires and data analysis using the Eviews 12 application. The results of the study stated that there is an economic empowerment program by BAZNAS Batu City. In helping to alleviate poverty in the people of Batu City, BAZNAS is recorded as running an economic empowerment program in twenty-three villages with various business assistance that has been distributed. The program of BAZNAS’ zakat empowerment in Batu City had a significance number of 0.0001 with significance criteria below 0.05, while the significance number for zakat distribution was 0.000 with the criteria significance below 0.05. Thus, the management and distribution of zakat at BAZNAS Batu City has a significant effect in reducing poverty. This is also supported by the change in position of mustahiq who have experienced economic development to become muzzaki at BAZNAS Batu City.
Analisis Komparasi Kinerja Bank Umum Syariah di Indonesia Menggunakan Maqashid Sharia Index Noval Kurnia; Wartoyo; Syaeful Bakhri
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.10343

Abstract

Sektor perbankan syariah di Indonesia menunjukkan pertumbuhan yang signifikan, namun metode pengukuran kinerja yang selaras dengan prinsip-prinsip syariah masih menjadi isu krusial. Penelitian ini bertujuan untuk menganalisis dan membandingkan kinerja Bank Syariah Indonesia (BSI) dan Bank Muamalat Indonesia (BMI) dengan menggunakan pendekatan Maqashid Sharia Index (MSI) selama periode 2022-2023. MSI berfungsi sebagai alat ukur untuk mengevaluasi sejauh mana kedua bank telah berhasil mencapai tujuan-tujuan syariah, yang mencakup pengembangan kualitas sumber daya manusia, penegakan prinsip keadilan, dan peningkatan kesejahteraan masyarakat. Data laporan keuangan tahunan dari BSI dan BMI dianalisis untuk menghitung skor MSI masing-masing bank, yang kemudian digunakan sebagai dasar perbandingan kinerja. Hasil penelitian mengungkapkan bahwa kedua bank mengalami peningkatan dalam pencapaian tujuan-tujuan syariah. BMI menunjukkan kinerja yang lebih baik dalam aspek penegakan keadilan, sementara BSI unggul dalam kontribusi terhadap pendidikan dan kesejahteraan. Penelitian ini menyajikan wawasan yang berharga bagi pengembangan industri perbankan syariah di Indonesia, serta dapat menjadi rujukan penting bagi penelitian-penelitian selanjutnya di bidang ini.
Implementasi Aplikasi E-Bekal dalam Meningkatkan Literasi Keuangan Santri di Pondok Pesantren Nurul Jadid Wilayah Al-Hasyimiyah Khayyike Firdaussiyah; Ana Pratiwi
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.10369

Abstract

ABSTRAK Pondok Pesantren Nurul Jadid telah berinovasi dengan menerapkan aplikasi e-Bekal sebagai bentuk adaptasi terhadap perkembangan teknologi keuangan digital. Aplikasi ini dikembangkan untuk meningkatkan efisiensi pengelolaan keuangan santri, mengurangi risiko kesalahan pengelolaan dana, dan mendorong literasi keuangan di kalangan santri. Melalui kerja sama dengan Bank Syariah Indonesia, e-Bekal memungkinkan santri melakukan transaksi non-tunai dengan transparansi yang dapat dipantau oleh wali santri. Inovasi ini tidak hanya membantu meningkatkan kesadaran santri akan pentingnya literasi keuangan, tetapi juga menunjukkan kemampuan pesantren dalam merespons tantangan zaman dengan memanfaatkan teknologi. Untuk mengidentifikasi permasalahan tersebut, peneltian ini menggunakan metode penelitian kualitatif dengan jenis penelitian deskriptif, pengumpulan data melalui observasi, wawancara, dokumentasi, analisis data deskriptif serta keabsahan data menggunakan teknik triangulasi sumber. Hasil penelitian ini yaitu Pengimplementasian E-Bekal di Pondok Pesantren Nurul Jadid melalui petugas koperasi yang menginput biaya belanja barang santriwati dan menempelkan kartu di layar ponsel. Pemakaian E-Bekal hanya bisa digunakan oleh santri aktik Pondok Pesantren Nurul Jadid dan Penggunakan E-Bekal dapat meningkatkan literasi keuangan santri terbukti dari beberapa tabungan yang dimiliki santri dari hasil sisa limit harian yang tidak terpakai, mereka lebih memilih menabung dari pada memakai limit di esok harinya.  Aplikasi E-Bekal terbukti efektif dalam meningkatkan literasi keuangan santri di Pondok Pesantren Nurul Jadid. Melalui fitur-fitur praktis dan user-friendly, santri menjadi lebih disiplin dalam mengelola uang saku mereka. Salah satu fitur di dalam E-Bekal yang dapat membantu meningkatkan literasi keuangan santri yakni fitur tabungan.  
Pengaruh Non Performing Financing, Murabahah, Mudharabah dan Musyarakah Terhadap Profitabilitas Bank Umum Syariah Periode 2014-2024 Maulana, Zefri; Mauliani, Adjeng; Ulya, Zikriatul
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.10418

Abstract

Penelitian ini bertujuan menganalisis pengaruh NPF, Murabahah, Mudharabah, dan Musyarakah terhadap Return on Assets (ROA) Bank Umum Syariah di Indonesia pada 2014-2024. Peneliti menggunakan metode kuantitatif dengan data sekunder dari OJK. Hasil penelitian menunjukkan bahwa NPF dan Musyarakah tidak berpengaruh signifikan terhadap ROA. Murabahah berpengaruh negatif dan signifikan, sedangkan Mudharabah berpengaruh positif dan signifikan terhadap ROA. Secara simultan, keempat variabel tersebut berpengaruh signifikan terhadap ROA Bank Umum Syariah di Indonesia.
Stabilitas Finansial Bank Muamalat Indonesia dalam Menyikapi Ancaman Resesi Global Stabilitas Finansial Bank Muamalat Indonesia dalam Menyikapi Ancaman Resesi Global Najmudin, M Ghulam; Kurniawan, Pratomo Cahyo Kurniawan; Fitria Berliannanda, Anugrah
Velocity: Journal of Sharia Finance and Banking Vol 5 No 2 (2025): November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i2.12446

Abstract

Resesi merupakan kondisi penurunan aktivitas ekonomi yang terjadi secara luas dan berlangsung selama beberapa bulan, yang ditandai dengan menurunnya produksi, pendapatan riil, dan tingkat ketenagakerjaan. Penurunan ini juga diikuti oleh berkurangnya daya beli masyarakat serta meningkatnya jumlah pengangguran terbuka. Penelitian ini bertujuan untuk menganalisis dinamika kinerja keuangan PT. Bank Muamalat Indonesia Tbk di tengah bayang-bayang ancaman resesi global. Penelitian ini menggunakan metode studi pustaka dengan pendekatan kualitatif deskriptif. Hasil analisis menunjukkan bahwa Capital Adequacy Ratio (CAR) Bank Muamalat Indonesia periode 2019 hingga kuartal ketiga 2023 berada pada kategori sangat sehat. Return On Assets (ROA) dalam periode yang sama berada dalam kondisi cukup sehat, sementara Non-Performing Financing (NPF) dan Financing to Deposit Ratio (FDR) berada dalam kondisi sehat. Adapun rasio Beban Operasional terhadap Pendapatan Operasional (BOPO) tercatat dalam kategori kurang sehat.
Pemetaan Penelitian Pembiayaan di Baitul Mal wat Tamwil: Studi Bibliometrik VOSviewer dan Literature Review Fahmi, Fahmi Amru Ar-Rifa'i; Agustiawan, Muhammad Iqbal; Aulia, Keisya Valentina; Aliyana, Ama Dwi
Velocity: Journal of Sharia Finance and Banking Vol 5 No 2 (2025): November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i2.11845

Abstract

This study aims to map the development of studies on financing in Baitul Mal Wat Tamwil through a bibliometric approach with the help of a VOSviewer and a literature review. The study covers 56 years, from 1970 to 2025, with data obtained from searches on the Open Alex website using the keywords “financing in BMT” and “financing in Baitul Mal Wat Tamwil.” The search yielded a total of 568 scientific articles. These articles were then analyzed descriptively, processed using VOSviewer software, and reviewed through a literature review to obtain a visual overview of the mapping of developments in topics and research subjects related to financing in BMT. The analysis results show that publications on the funding in Baitul Mal Wat Tamwil have increased significantly yearly, but have declined in the last three years. Furthermore, based on the visual mapping with VOSviewer, it was found that research on financing in BMT is divided into 5 clusters. Meanwhile, the literature review identified 4 main themes and 42 research topics related to financing in BMT.

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