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RIBHUNA : Jurnal Keuangan dan Perbankan Syariah
Published by Institut Agama Islam IBRAHIMY GENTENG BANYUWANGI
ISSN : 28294548     EISSN : 28294181     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Focus and Scope The topics are as follows, but not limited to : - Takaful and Risk MAnagement - Inclusive financial development - Money payment system & Financial Innovation - Islamic pricing risk & Liquidity Management - Economics analysis of Islamic Banking & Finance - Regulation & Stability of Islamic Banking & Finance - Sharia supervisory boards in Islamic Banking & Finance - Product development Islamic Finance institution - Islamic Economics & Finance - Islamic Finance Service - Islamic Ethics and Governance - Islamic Capital Market - Islamic Microfinance - Islamic financing Modes - Islamic Social Finance and other related topics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 38 Documents
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PENGARUH NILAI AKTIVA DAN KEWAJIBAN TERHADAP NILAI AKTIVA BERSIH (NAB) REKSADANA SYARIAH DI INDONESIA PERIODE 2019-2023 PA, Junita Carolina
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3291

Abstract

The goal of this research is to ascertain if there is a correlation between the value of Islamic mutual funds' liabilities and their net asset value (NAV), as well as the relationship between the two. All Islamic mutual funds registered with the OJK between 2019 and 2023 comprise the population of this study. The quantitative methodology of the research uses secondary data sources. To get a sample of ten Islamic mutual fund businesses, the sampling procedure was then conducted using purposeful sampling. They next analyze the gathered data using IBM SPSS Statistics 30. data analysis that uses multiple linear regression analysis to assess the hypothesis. According to a research on the topic, the NAB of Islamic mutual funds in Indonesia is significantly influenced by the value of both assets and liabilities. Along with asset value, obligations have a significant impact on Indonesia's Islamic mutual fund NAB. Keywords: Sharia Mutual Funds, Asset Value, Liabilities, Net Asset Value (NAV)
PERAN BMT DALAM MENINGKATKAN KEUANGAN MIKRO SYARIAH DI KALANGAN UMKM Hasanuddin, Hasriah
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3297

Abstract

BMT or BaitulMaal wat Tamwil is an institution that has two functions, namely Baitul maal or fund house and baitul tamwil or business house. BMT is a sharia financial institution whose job is to store funds from third parties and the channeled to businesses that deserve help and of course profitable. This research aims to explain how the role of BMT in Islamic microfinance among MSMEs. With the existence of BMT, it is able to help the community, especially for MSME business actors. The results of the discussion show that the role of BMT in Islamic finance among MSMEs is very helpful. BMT is able to create decent jobs for the community in terms of capital. BMT provides capital to the community to be used as a business to connect their lives. The financing model carried out by BMT cannot be separated from the principles of sharia. The financing models that can be used are murabahah, musyarakah, mudarabah, and qardhul hasan. Based on this financing model, BMT produces a real impact on its application among MSMEs. The impact is that people do not need to be afraid of business capital anymore. BMT is here to help underprivileged people and make people independent to build their own businesses without having to depend on other people for capital. BMT of course still pay attention to sharia principles by prioritizing usury-free, responsible responsibility, upholding justice and the benefit of Muslims. Keywords : BMT, Sharia Microfinance, MSME
INISIATIF MASYARAKAT UNTUK MENGHINDARI BANK HARIAN: MENGGALI PERSEPSI NEGATIF MASYARAKAT Ardzani, M. Khanif; Nafisah, Fitriyani Jauharotun
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3391

Abstract

This study examines the community's initiative to avoid everyday banks, focusing on the growing negative perceptions among individuals regarding the operational practices of these financial institutions. Although everyday banks offer easy access to loans, many perceive high interest rates and unclear terms as creating significant financial risks. Using a qualitative approach, this study explores the experiences and perspectives of those involved in the "Stop Borrowing Money at Everyday Banks" movement. The results indicate that dissatisfaction with everyday banks' practices sparks social solidarity and collective initiatives to seek safer financing alternatives. Furthermore, the study finds that education and increased public awareness regarding rights and obligations in financial transactions are important factors in changing perceptions and behavior. Thus, this study provides insights into the importance of transparency and ethics in financial services and highlights the role of communities in driving positive change in the financial system. Keywords : Community Initiative, Daily Banking, Negative Perception.
ANALISIS PENGELOLAAN KEUANGAN DAERAH DI KABUPATEN SAMBAS Firmansyah, Yuman; Amaluddin, Zainal; Ghofur, Abdul; Raharjo, Raharjo
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3384

Abstract

This study aims to identify and analyze regional financial management in Sambas Regency for 5 years from 2017 to 2021. The main focus of this study is to evaluate the effectiveness of regional government financial performance through financial ratio analysis, analysis of the realization of regional revenue and expenditure budgets (APBD). The method used in this study is a qualitative descriptive approach with regional financial management analysis techniques in Sambas Regency. Based on the descriptive qualitative approach, several main findings were found such as low human resource capacity, weak internal control systems, and inaccuracy in budget planning. The results of this study indicate that the liquidity ratio consisting of an average current ratio of 0.82 means that every Rp. 1, - current debt is guaranteed by Rp. 0.82, - current assets, an average cash ratio of 0.35 means that every Rp. 1, - current assets of Rp. 0.35 are cash and cash equivalents; cash to current liabilities average of 0.29 means the ability of the Regional Government to pay immediately every Rp.1- current debt using cash and equivalents of Rp.0.29,- average quick ratio of 0.60 means that the ability of the Regional Government to meet short-term obligations for every Rp.1,- using cash, cash equivalents and receivables. Of Rp.0.60, the average cash flow ratio of 2.31 means the ability of a Regional Government's operating cash flow to pay every Rp.1,- current debt owned using operating cash of Rp.2.31,-; the leverage ratio measured is the short-term debt to long-term debt ratio of 1.00. Based on the research presentation above, the researcher recommends the need to improve the competence of regional financial management apparatus through continuous training, strengthening digital-based financial management information systems and optimizing the role of the regional inspectorate as an internal supervisory institution. It is hoped that there will be improvements by the Regional Government in the coming year to ensure that the Debt Service Coverage Ratio (DSCR) remains at the minimum limit outlined by the Central Government because if loans continue to increase, there is concern that the Sambas Regency Regional Government will not be able to meet mandatory expenditure as regulated in PP 30/2011 concerning regional loans in Article 15 paragraph (1) letter b. Keywords : Analysis, Regional Financial Management, Sambas Regency Government.
DAMPAK LITERASI KEUANGAN SYARIAH DAN KEPERCAYAAN TERHADAP KEPUTUSAN MENABUNG DI BANK MUAMALAT KCP STABAT Nurul, Nurul; Syalshabila, Dinda; Nasution, Zulham Efendi; Khairani, Khairani; Saleh, Muhammad
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3457

Abstract

This study aims to analyze the influence of Islamic financial literacy and trust on savings decisions at Bank Muamalat KCP Stabat. The method used is quantitative research with data collection techniques through the distribution of questionnaires to 78 respondents who are active customers for at least 6 months. The collected data were tested for validity, reliability, normality, multicollinearity, and heteroscedasticity, then analyzed using multiple linear regression with the assistance of statistical software. The results of the study indicate that Islamic financial literacy has a significant positive effect on savings decisions, meaning that the better customers' understanding of Islamic financial principles and products, the higher their tendency to choose Islamic savings. Trust also has a significant positive influence on savings decisions, indicating that customers' confidence in the bank's security, transparency, and compliance with Islamic principles is an important factor in determining their choice. Together, these two variables explain 50.1% of the variation in savings decisions, while the remaining variation is influenced by other factors such as income, education level, and service convenience. These findings have practical implications for Bank Muamalat KCP Stabat to enhance its Islamic financial literacy education programs through outreach, easily understandable information media, and improved service quality to strengthen customer trust. This study is limited to one branch and uses a survey method, so further research is recommended to expand the sample, add related variables, and use a mixed-method approach for more comprehensive results. Keywords: Islamic Financial Literacy, Trust, Savings Decisions
MACAM-MACAM AKAD DALAM PENERAPANNYA PADA LEMBAGA KEUANGAN SYARIAH DI INDONESIA Oktoviasari, Vera Ayu; Firmansyah, Yuman; Kadir, Amiruddin; Syaharuddin, Syaharuddin
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3460

Abstract

Islamic Financial Institutions in Indonesia operate based on Islamic sharia principles, which make contracts the primary basis for every financial transaction. A contract is an agreement or agreement between two parties that is legally and sharia-compliant, and serves as the legal basis for economic activities. This study aims to identify various types of contracts used in Islamic Financial Institutions in Indonesia and analyze their practical application in financial products and services. The research method used is a qualitative study with a descriptive analytical approach. Data were obtained through literature studies, DSN-MUI fatwa documentation, and analysis of practices in Islamic banking, BMT, and Islamic Financial Institutions. The results show that Islamic Financial Institutions in Indonesia use various types of contracts, both tabarru' contracts (benevolent/non-profit contracts) such as Wadiah and Qard, and Tijarah contracts (commercial/profit-oriented contracts) such as Murabahah, Ijarah, and Istishna'. The implementation of these contracts is tailored to product characteristics and customer needs. For example, the murabahah contract is widely applied in consumer financing, while the musyarakah and mudharabah contracts are used in productive business financing. The ijarah contract is commonly used in leasing products, and the wadiah contract is applied in checking account savings products. In practice, several challenges remain, such as limitations in the concept of the contract and the need for Sharia principles to prevent practices that approach usury. This research emphasizes the importance of public education regarding Sharia contracts and the need for more accurate Sharia supervision to ensure consistent implementation of contracts in accordance with Sharia principles. With a proper understanding and implementation of contracts, Sharia financial institutions can continue to grow and provide a fair, transparent, and ethical financial alternative in Indonesia. Keywords : Types of Contracts, Implementation, Islamic Financial Institutions.
MANAJEMEN PENGENDALIAN KUALITAS DALAM MENJAGA KONSISTENSI PRODUK KOPI ROBUSTA MENURUT PERSPEKTIF ISLAM PADA HOME INDUSTRY PENGOLAHAN KOPI X-BARUE Samsuri, Samsuri; Rachmawati, Afria; Alkhumaisi, Muhammad Abduh
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3378

Abstract

This study aims to provide general and Islamic knowledge related to quality control in maintaining product consistency of Robusta coffee at Home Industry X-Barue Kalibaru. The manuscript in this research can facilitate every coffee business enthusiast in implementing good quality control practices in accordance with principles taught in Islam. This research falls under the category of qualitative research, guided by the theory of Total Quality Management (TQM) with one of its generic tool elements, namely the process flow chart (flowchart), to visualize the production process comprehensively. The PDCA cycle from Edward W. Deming's development is also used as a presentation of data in the form of necessary work and evaluation. Data collection techniques were carried out through interviews and documentation, and the data were analyzed by performing data reduction, data presentation, and drawing conclusions. The results of this study indicate that the quality control and product consistency of Robusta coffee at Home Industry X-Barue Kalibaru are good and have implemented Islamic principles. Interviews, direct field observations, and existing documentation provide evidence that Islamic quality control has been implemented. Thus, the quality control and product consistency of Robusta coffee at Home Industry X-Barue Kalibaru have effectively applied Islamic principles and are suitable for similar businesses. Keywords: Quality Control, Product Consistency
ANALISIS PENGARUH RASIO KEUANGAN DAN INFLASI TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA PERIODE 2020–2024 Muslimin, Muslimin
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3490

Abstract

This study aims to examine the influence of internal and external factors on the profitability of Indonesian Sharia Rural Banks (BPRS). The internal factors used are non-performing financing (NPF), financing to deposit ratio (FDR), capital adequacy ratio (CAR), and operating expenses to operating income (BOPO). Meanwhile, the external factor used is inflation. This is a quantitative study using secondary data in the form of monthly time series data from 2020 to 2024, with the research object being Indonesian Sharia Rural Banks (BPRS). The research method used multiple linear regression analysis. The results show that the non-performing financing (NPF) variable does not have a significant effect on profitability (ROA). Additionally, inflation does not have a significant effect on the profitability of Indonesian BPRS. However, the financing to deposit ratio (FDR) variable has a positive and significant effect on the profitability of Indonesian BPRS. Furthermore, the capital adequacy ratio (CAR) variable has a significant positive effect on the profitability of BPRS Indonesia. The operational cost to operational income ratio (BOPO) variable has a significant negative effect on the profitability of BPRS Indonesia. Keywords : ROA; NPF; FDR; CAR; BOPO; Inflasi

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