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Velocity: Journal of Sharia Finance and Banking

velocity
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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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Riba in The Perspective of Sharia Bank Customers: A Systematic Literature Review Ahmad Hasan Asy'ari Ulama'i; Ferida Rahmawati; Maaz Ud Din
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 1 (2022): May 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

This study aims to determine the Islamic bank customers to the understanding of usury. This type of research is literature review research. The type of data collected in this study is primary data, namely data obtained from various current and relevant literature regarding the level of understanding of Islamic bank customers about usury, such as from books, journals, articles, papers, and other related reading sources. The data analysis technique of this research was carried out using the data analysis technique of the Miles and Huberman model. The data analysis activities of this model include data reduction, data display and conclusion drawing or verification. The results of a systematic literature review found that usury is an additional take, both in buying and selling transactions and lending and borrowing in vanity. The prohibition of usury in the Qur’an was revealed in stages, preceded by a series of moral teachings relevant to the theme of the prohibition of usury. Conventional banks use the interest system to support their operations. In contrast to the interest system prevailing in conventional banks, Islamic banks determine the amount of return and profit sharing based on the amount of profit sharing between the customer and the bank without determining the percentage that must be paid by the customer. Bank interest is an evolution of the concept of usury that cannot be separated from the development of financial institutions. Riba in modern banking makes business decline and become unproductive. Education and religion can be used as the basis for mu’amalah for all mankind, especially Muslims. Islamic education can lead humans to become individuals who are able to survive in this world and the hereafter (al-falah). Education about usury provides important information that can be a guide for human life in contemporary mu’amalah.

Reaksi Pasar Atas Peristiwa Merger Bank Syariah BUMN (Studi Peristiwa BRI Syariah) Diah Ayu Ariyani; Versiandika Yudha Pratama
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

This study aims to determine the market reaction to the merger of state-owned Islamic banks (BNI Syariah, BRI Syariah and Syariah Mandiri) into Bank Syariah Indonesia (BSI). The market reaction is reflected in the abnormal return, trading volume activity, and security return variability. This research belongs to event study used in this study is secondary data obtained from financial reports published by BRI Syariah. The sample used in this study was BRI Syariah and the data analysis technique used the Sample Paired T-Test and the Wilcoxon Signed Rank Test. The results showed that there was no difference between abnormal returns and trading volume activity before and after the Islamic bank merger event. On the other hand, there are differences in security return variability before and after the Islamic bank merger event.

Implementation of Information Technology at The Amil Zakat Institution LAZiS Central Java-Pekalongan Service Office Novalini Jailani; Azam Rivani; AM. Muh. Khafidz Ma’shum
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

This study aims to describe the implementation of information technology at the amil zakat institution, LAZiS Central Java, Pekalongan Service Office. This research was conducted by field research with a descriptive qualitative approach to describe the information technology used in inputting and presenting financial information in zakat management at LAZiS Central Java, Pekalongan Service Office. Primary data sources were obtained from direct interviews with financial staff and leaders of LAZiS Central Java Pekalongan service office who knew about website application and financial management and zakat utilization. Secondary data were obtained from various books, articles, journals and authoritative websites relevant to this research. Data collection is done through observations in the use of the web by paying attention to several menus and web appearances. The results of this study found that LAZiS Central Java had used information technology in managing zakat funds that had been collected. This institution uses web-based information technology, namely silazisku.org. This system can only be used by internal institutions, namely the finance department. The process of recording history and presenting financial information becomes more efficient, fast and neat, making it easier for institutions to present financial reports to facilitate audits by using Silazisku.org,. The risks faced by Central Java LAZiS are more manageable than before. The implementation of the zakat information technology system at this institution was able to facilitate managers in managing zakat and provide extensive information to the public about the ease with which people pay zakat

Determinant Factors Analysis of Turnover Intention in Y Generation at Bank Syariah Indonesia, Semarang City Mila Sartika; Farida Akhmad
Velocity: Journal of Sharia Finance and Banking Vol. 3 No. 1 (2023): May 2023
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

The banking business must be able to adjust to the ongoing technological advances by leveraging these advancements to keep up with innovation. A new generation is currently joining the workforce. Leaders of businesses should get ready to welcome the Y Generation into their sector or organization because it may present both an opportunity and a challenge for Indonesia’s future. Companies need to pay more attention to employee turnover rates because the Y Generation is associated with a relatively high desire to leave the workforce. An in-depth analysis of the impact of job engagement, work-life balance, and Y Generation rewards on turnover intention is the goal of this study. The researcher employed primary data in the form of a questionnaire to investigate this problem. Software SPSS version 26 was used for data analysis. Managers can utilize this information to address issues with employee turnover intention. The study’s findings show that the work engagement variable significantly reduces the likelihood of turnover. The work-life balance variable then significantly reduces the likelihood of turnover. The incentive variable also significantly influences turnover intention in the wrong direction.

Peran Wakaf dalam Perkembangan Ekonomi di Negara Asean Amalia Azka
Velocity: Journal of Sharia Finance and Banking Vol. 3 No. 1 (2023): May 2023
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

This study aims to determine the role of waqf on economic development in ASEAN countries. The research method used is qualitative methods and data analysis techniques with inductive qualitative methods. The results of the study indicate that Waqf can also be a preferred financing instrument that can develop the economy in ASEAN countries. Fundamentally, waqf management in Malaysia, Singapore, Thailand, Indonesia and Brunei Darussalam is not much different. The five countries have increased the progress of waqf management. Waqf resources may be able to collect the community's economy and can build the people's economy and community welfare. One of them is cash waqf that can help the trading community, especially as business capital, pay work costs, prepare costs, and be used to build trading facilities with reasonable rents

Analisis Komparatif Risiko Keuangan Bank Umum Syariah dan Unit Usaha Syariah Periode 2016-2021 Septia Wizar Anggriani; Wilda Yulia Rusyida
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

Tujuan penelitian ini adalah untuk mengetahui perbedaan risiko pembiayaan, risiko likuiditas, risiko operasional dan risiko pasar antara Bank Umum Syariah dan Unit Usaha Syariah. Penelitian ini termasuk jenis penelitian kuantitatif. Pengumpulan data dalam penelitian ini adalah menggunakan data sekunder berupa laporan keuangan triwulan, dengan sampel enam Bank Umum Syariah (PT. Bank Muamalat Indonesia Tbk, PT. Bank Tabungan Pensiunan Nasional Syariah, PT. Bank Panin Dubai Syariah Tbk, PT. Bank Mega Syariah, PT. BCA Syariah, PT. Bank Jabar Banten Syariah) dan empat Unit Usaha Syariah (PT. Bank CIMB Niaga Tbk, PT. Bank Maybank Indonesia Tbk, PT. Bank Tabungan Negara (Persero) Tbk, PT. Bank Permata Tbk) berdasarkan kriteria pengambilan sampel purposive sampling. Penelitian ini menggunakan variabel NPF, FDR, BOPO dan NOM untuk risiko pembiayaan risiko likuiditas, risiko operasional dan risiko pasar. Penelitian ini menggunakan metode analisis data uji normalitas dan uji Mann Whitney. Hasil penelitian menunjukkan bahwa tidak terdapat perbedaan yang signifikan pada risiko pembiayaan, sementara pada risiko likuiditas, risiko operasional dan risiko pasar menunjukkan perbedaan yang signifikan antara Bank Umum Syariah dan Unit Usaha Syariah.

Studi Komparatif Dampak Financial Management Knowledge terhadap Financial Management Behavior Masyarakat Muslim pada Wilayah Urban dan Rural Adhelia Desi Prawestri
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

The Covid-19 pandemic has made people aware that having good financial management knowledge and financial manajemen behavior will help people face times of financial difficulty. Financial decisions take by individuals in society do not only affect each individual, but can also affect the business organization they own. This article aims to determine the relationship between financial management knowledge and financial management behavior in urban and rural Moslem communities. In addition, this article also aims to find out whether there are differences between financial management behavior in Moslem communities living in urban and rural areas. The data used in this study is primary data collected trough questionnaire distributed to 600 samples, namely 300 samples of people in urban areas, and 300 samples of people in rural area, which were collected using convenience sampling technique. A descriptive quantitative approach was used to answer the research questions. The results showed that there was a relationship between financial management knowledge and financial management behavior, and there was no difference between the financial management behavior of Moslem communities living in urban and rural areas.

Meningkatkan Loyalitas melalui Citra Merek, Kepercayaan, dan Biaya Ujrah Desy Prastyani; Muhammad Ihsan Alif
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

This This study aims to better understand how to create customer loyalty to one of the existing products at the Pekalongan branch of the Sharia pawnshop using brand image, trust and cost of ujrah for gold pawn products. It can also increase customer loyalty at the Pekalongan branch of Islamic pawnshops, both new customers and customers. a long time ago. This research includes field research using a quantitative approach. This research was conducted on Pekalongan Branch Sharia Pawnshop customers using accidental sampling with a sample of 100 respondents. Data analysis technique with multiple linear analysis. The results of this study indicate that brand image has a positive effect on customer loyalty, trust has a positive effect on customer loyalty, and the cost of ujrah has a positive effect on customer loyalty. Based on the F test, it is known that the three independent variables studied simultaneously affect customer loyalty with an adjusted R Square value of 0.272. . which shows that 27.2% of the customer loyalty variable can be explained by the three independent variables, while the remaining 72.8% is influenced by other variables outside the three variables in this study.

Pengaruh Strategi Promosi Produk, Kualitas Pelayanan dan Citra Perusahaan terhadap Kepuasan Nasabah M. Fathrezza Imani; Ria Anisatus Sholihah
Velocity: Journal of Sharia Finance and Banking Vol. 3 No. 1 (2023): May 2023
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

To determine the impact of product promotion methods, service excellence, and company image on customer satisfaction, this study used a quantitative research technique. The study's participants are Bank Jateng Kajen Branch Office customers who reside in the Pekalongan Regency region. Accidental sampling is the sampling method employed. Both primary and secondary data were employed as sources of information in this investigation. Respondents who had completed questionnaires based on library research were provided books, articles, papers, research journals, and other resources pertinent to the study's subject. The Likert Scale method was employed in the data analysis process, which was followed by the execution of many tests, including the Data Quality Test, the Classical Assumption Test, the Multiple Linear Regression Test, the Hypothesis Testing, and the Coefficient of Determination Test. According to the preliminary results of the tests done for this study, product advertising methods have little effect on customer satisfaction, but service quality and a company's image do. Then it was concurrently claimed that 73.9% of customer happiness is influenced by product promotion strategy, service quality, and company image.

Analisis Produk iB Tabung Haji Bank Jateng KCPS Tegal Indah Wulandari Wilujeng; Pratomo Cahyo Kurniawan
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 2 (2022): November 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

Hajj is an obligatory worship for Muslims who are able to perform it. In connection with this study, I want to answer the formulation of the problem as follows: 1) How is the mechanism of the Hajj tube iB product at Bank Jateng Syariah Pembatu Tegal Branch, and 2) How is the application of the contract to the Hajj tube iB at Bank Jateng Syariah Tegal Sub-Branch. In writing this PPL assignment, the author uses field research methods by taking the research location at Bank Jateng Syariah KCPS Tegal using a qualitative descriptive approach. The data in this study consisted of primary data and secondary data, which were obtained through observation, interviews, and documentation. The results showed that a procedure or mechanism for the Hajj savings product at Bank Jateng KCPS Tegal, among others: opening an iB Tabung Haji account, registering for hajj initial deposit for hajj savings, provisions for getting a portion of hajj departures, paying off BPIH, as well as the benefits off the Hajj tube iB Procedure. In its application, the Hajj savings contract at Bank Jateng KCPS Tegal uses a wadiah yad dhamanah contract.

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Drajat Stiawan

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drajatstiawan@uingusdur.ac.id

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+6281385249519

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velocity@uingusdur.ac.id

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Jl. Pahlawan No. 52 Kajen Kabupaten Pekalongan Pekalongan. Indonesia

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Jawa tengah

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Drajat Stiawan

Contact Email drajatstiawan@uingusdur.ac.id

Phone +6281385249519

Journal Mail Official velocity@uingusdur.ac.id

Editorial Address Jl. Pahlawan No. 52 Kajen Kabupaten Pekalongan Pekalongan. Indonesia

Location Kota pekalongan, Jawa tengah INDONESIA

Abstract

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Contact Name
Drajat Stiawan

Contact Email
drajatstiawan@uingusdur.ac.id

Phone
+6281385249519

Journal Mail Official
velocity@uingusdur.ac.id

Editorial Address
Jl. Pahlawan No. 52 Kajen Kabupaten Pekalongan Pekalongan. Indonesia

Location
Kota pekalongan,

Jawa tengah

INDONESIA