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Angrum Pratiwi
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INDONESIA
INASJIF
Published by Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda
ISSN : 29645263     EISSN : 29620937     DOI : https://doi.org/10.21093/inasjif
Core Subject : Economy,
Economics, Econometrics & Finance
INASJIF (Indonesian Scientific Journal of Islamic Finance) published by Department of Islamic Banking, The Faculty of Islamic Economic and Business, State Islamic University of Sultan Aji Muhammad Idris Samarinda. The subject covers both textual and empirical, as well as classical and contemporary research on Islamic Finance. Published in Indonesia, it welcomes contributions in English and Bahasa. Papers are peer-reviewed to maintain a high scholarly level. Indonesian Scientific Journal of Islamic Finance is published online twice a year in December and June. The first volume of INASJIF was launched in December 2022. Indonesian Scientific Journal of Islamic Finance openly welcomes scholars, postgraduate students, and practitioners to submit their best research articles that correspond to the topics. Focus and Scope Indonesian Scientific Journal of Islamic Finance openly welcomes scholar, postgraduate students, and practitioners to submit their best research articles that correspond to the topics. This journal covers textual and empirical, as well as classical and contemporary researchers on Islamic finance. Papers are prioritized to but not limited to researchers about Islamic finance in Indonesia. The scopes of accepted papers are: Islamic Banking Islamic Capital Market Islamic Financial Institution (Leasing) Islamic Insurance Islamic Micro Finance Islamic Financial Plan and another theme/scope about Islamic Finance
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 46 Documents
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PENGARUH KINERJA KEUANGAN TERHADAP PERTUMBUHAN ASET UUS DENGAN ASET BANK INDUK SEBAGAI VARIABEL INTERVENING DI INDONESIA Gusniawan, Irvan; Parno, Parno; Mainata, Dedy
Indonesian Scientific Journal of Islamic Finance Vol 1 No 1 (2022): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i1.4546

Abstract

The background of the research is that UUS's Asset Growth shows good performance. Therefore, a more in-depth observation and analysis is needed to observe the growth of UUS's assets. The research objectives are to examine the effect of NPF, NOM, and BOPO on UUS asset growth, and to examine the effect of NPF, NOM, and BOPO on parent assets, as well as to examine the effect of NPF, NOM, and BOPO on UUS asset growth mediated by parent assets. The research method in this study is quantitative research using secondary data types in the form of monthly reports that have been published by the OJK and each Parent Bank that has UUS through its official website, which consists of 20 samples of Islamic Business Units. The dependent variable used is UUS Asset Growth, the independent variable is the financial performance of NPF, NOM, and BOPO, and the Intervening Variable is the assets of the parent bank. The analytical method used in this study is Mediation Variable Regression with the help of IBM SPSS Statistics 22 software. The results of this study indicate that partially NPF has a significant negative effect on UUS Asset Growth, namely the lower the NPF ratio, the better. The NOM has a significant negative effect on UUS Asset Growth, indicating that the ratio is not good, meaning that the profits obtained are still relatively small. Likewise, BOPO has a negative effect on UUS Asset Growth, the lower the ratio, the better. Meanwhile, parent bank assets have a positive effect on UUS asset growth. And simultaneously NPF, NOM, BOPO, and the assets of the parent bank have a positive effect on the growth of UUS assets. Partially, NPF also has a negative effect on the parent bank's assets, meaning that the NPF on the parent bank's assets is quite good. The NOM has a negative effect on the Parent Bank's assets, meaning that the ratio is not good because the lower the profit, the less profit. While the BOPO has a negative effect on the Parent Bank's assets, this indicates that the ratio is quite good. And NPF has a negative effect on UUS Asset Growth mediated by its Parent Assets. Meanwhile, NOM has a negative effect on UUS Asset Growth mediated by its Parent Assets. Likewise, BOPO has a negative effect on UUS Asset Growth mediated by its Parent Assets period 2015-2020.
PENGARUH FASILITAS MOBILE BANKING DAN KUALITAS LAYANAN TERHADAP KEPUASAN NASABAH BANK SYARIAH DI PERUMAHAN BUMI PRESTASI KENCANA SAMARINDA Mohd. Cahyo Situmorang; Norvadewi Norvadewi; Irma Yuliani
Indonesian Scientific Journal of Islamic Finance Vol 1 No 1 (2022): Indonesian Scientific Journal of Islamic Finance
Publisher : FEBI Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i1.4717

Abstract

In this new normal era, people are increasingly aware of the importance of technology to facilitate transactions, especially during the Covid-19 virus era, considering that no one knows when the Covid-19 Virus will end. In the beginning, the residents of Bumi Kencana Residence became customers, many of whom came from mortgage financing (House Ownership Credit) and then continued as customers of Islamic Banks. banking and service quality on customer satisfaction of Islamic Banks. The purpose of this study was to determine the effect of Mobile-Banking Facilities on customer satisfaction of Islamic banks. Knowing the effect of Service Quality on customer satisfaction of Islamic banks, Knowing the effect of Mobile-Banking Facilities and service quality simultaneously on customer satisfaction of Islamic banks. research is quantitative research using primary data types. In this case, the researcher uses questionnaires to obtain data information. And secondary data In this case the researcher obtains secondary data from various references such as books related to research. the dependent variable used is customer satisfaction and the independent variable is mobile-banking facilities and service quality. The results showed that mobile-banking facilities and service quality had a significant effect on customer satisfaction using mobile-banking at Bumi Prestasi Kencana Housing Estate Samarinda. In the variable of mobile-banking facilities, namely tcount 2.619 > ttable 0.227, then H0 is rejected and Ha is accepted, meaning that the mobile-banking facility variable has a significant effect on customer satisfaction variables. on the service quality variable, namely tcount 4.245 > ttable 0.227, then H0 is rejected and Ha is accepted, meaning that the service quality variable has a significant effect on the customer satisfaction variable.
ANALISIS FAKTOR YANG MEMPENGARUHI MINAT PENGGUNAAN QRIS SEBAGAI METODE PEMBAYARAN PADA MASA PANDEMI Ahmad Fahri Syaifuddin Kurnia Rahman; Supriyanto Supriyanto
Indonesian Scientific Journal of Islamic Finance Vol 1 No 1 (2022): Indonesian Scientific Journal of Islamic Finance
Publisher : FEBI Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i1.4739

Abstract

QRIS is a QR code-based payment standard set by Bank Indonesia to support and facilitate digital payments in Indonesia, as an effort to encourage the realization of an integrated payment system. The purpose of this study was to determine the factors that influence student interest in using QRIS as a payment method during the covid-19 pandemic. The independent variables in this study are knowledge (X1), benefits (X2) and risks (X3) and interest (Y) as the dependent variable. The research method used is quantitative method with primary data sources obtained directly through questionnaires. The population of this research is the students of UIN Raden Mas Said Surakarta, totaling 15,858 respondents, with a sample of 100 respondents who were taken using purposive sampling technique. The data collected was then analyzed using multiple regression analysis models through the SPSS 22 application. The results showed that the variables Knowledge (X1), Benefits (X2), and Risks (X3) simultaneously had a positive and significant effect on student interest in using QRIS (Y). Based on the results of multiple linear regression analysis, the equation Y = -0.790 + 0.571 X1 + 0.305 X2 + 0.153 X3 + e, from the three variables it can be concluded that the knowledge variable has the greatest influence, which is 57,1%.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN SYARIAH SEKTOR AGRIKULTUR PADA BANK UMUM SYARIAH (BUS) PERIODE 2015-2020 Andre Armanto; Alvin Yahya
Indonesian Scientific Journal of Islamic Finance Vol 1 No 1 (2022): Indonesian Scientific Journal of Islamic Finance
Publisher : FEBI Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i1.4741

Abstract

Agricultural sector in Indonesia gives many contribution to the economy such as giving huge contribution towards PDB, becoming source of income for public, and being food producer for life necessities. However, agricultural sector still has some obstacles such as access to capital difficulties which are caused by majority has small business scale and banking perception that agricultural sector is as High Risk Industry. So that it is a need of support in Agricultural Sector, one of the available solutions is by syariah financing offered by Bank Umum Syariah. This study used quantitative study where the researcher would test the factors that influences the Agricultural Financing in Bank Umum Syariah (BUS). The sampling in this research was Non-Probability Sampling by using saturated sampling. The data used was quarterly secondary data from 2015 until 2020 which were obtained from Otoritas Jasa Keuangan website and Badan Pusat Statistik as the data resource analised by using Vector Autoregression (VAR) analysis tool with the help of E-Views 10 software. The result of the study showed that from the four independent variables there was only Produk Domestik Bruto variable which had a positive effect towards Agrucultural Financing. Whereas the Farmer’s Term of Trade Indices (NTP), Inflation and Non Performing Financing (NPF) had no effect on Agricultural Financing.
EFEKTIFITAS PEMBIAYAAN SEKTOR AGRIBISNIS DALAM MENINGKATKAN PENDAPATAN PETANI DI KECAMATAN SELO KABUPATEN BOYOLALI Prasetyo, Analis Yusuf; Supriyanto, Supriyanto
Indonesian Scientific Journal of Islamic Finance Vol 1 No 1 (2022): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i1.4785

Abstract

This study aims to identify financing opportunities and obstacles in the agribusiness sector in Boyolali District as well as the effectiveness of agribusiness financing provided by financial institutions on farmers' income. This study used a qualitative method supported by quantitative data. This study used both primary data and secondary data. Data were collected through interviews and documentation. The data were tested for validity using the triangulation technique. Then, the data were also crossed check. The results of this study showed that in carrying out the agribusiness financing, Bank Jateng Syariah faced the following obstacles, namely 1) the agribusiness sector is a risky business sector, 2) the length of time in the agribusiness sector, 3) the agribusiness sector requires large input costs, and 4) Lack of qualified human resources. The effectiveness of agribusiness financing is seen from some aspects. The first is usefulness. Islamic Banks provide capital to meet the short-term production needs of food and non-food crops. The second aspect is accuracy and objectivity. Problems with access to agricultural credit and banks’ low interest are caused by non-well targeted credit. The third aspect is scope. Distributing agribusiness financing face many obstacles. The fourth aspect is cost-effectiveness. Farmers lack knowledge of Islamic banking due to the location of the bank which is far. The fifth aspect is accountability. Based on the total financing in Islamic banks in 2019-2021, financing in the agribusiness sector continues to increase. The last aspect is punctuality. In terms of payment of financing in the agribusiness sector, everything went smoothly and with no problems. The distribution of agribusiness financing by Bank Jateng Syariah is less effective as it is still below 2%. However, the percentage increases each year and can be said to be effective as the total agribusiness financing increases each year too. In terms of the effectiveness of agribusiness financing in increasing farmers' income in Selo Sub-district, Boyolali District, it can be said to be effective. The income proposed by the procurement of goods and production facilities increased compared to the previous income of 50%. Then, income from the farming business also increases compared to the previous income of 36%. Meanwhile, the income proposed by Processing increases from the previous income of 50% and the income proposed by Marketing also increases from the previous income of 15%.
ANALSIS TENTANG PENERAPAN AKAD IJARAH DAN PENYEBAB GAGAL BAYAR (DEFAULT) SUKUK IJARAH Lestari, Lutfi Bangun
Indonesian Scientific Journal of Islamic Finance Vol 1 No 1 (2022): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i1.4823

Abstract

This study aims to analyze the causes of default on sukuk ijarah at PT. X and the suitability of the application of sharia principles in the implementation of the issuance of sukuk ijarah at PT. X. This type of research is a qualitative research. Using secondary data, obtained from the Indonesia Stock Exchange website, PT.X financial reports, journals, news and so on. This study uses descriptive analysis, which describes the analysis of the causes of PT.X's sukuk default. The result of this research is that it can be said that the implementation of the ijarah tribe of PT. X is in accordance with Islamic principles. As for the causes of default, namely, the use of funds from sukuk ijarah to pay debts, a decrease in company cash which has an impact on the decline in the rating of sukuk, this has an impact on the decline in share value as well, the company's income is reduced, so there is a default, entangled in legal cases from several children companies that caused a lack of cash supply to the parent company and had to lose some assets because they had to be sold.
ANALISIS PERBANDINGAN BANK UMUM SYARIAH DENGAN UNIT USAHA SYARIAH DARI ASPEK EFISIENSI, KUALITAS ASET, DAN STABILITAS KEUANGAN Pratiwi, Renita; Mahrus, Moh.; Candra, Alias
Indonesian Scientific Journal of Islamic Finance Vol 1 No 1 (2022): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i1.4837

Abstract

The background of this research is the measurement of efficiency in Islamic banks is an important indicator in seeing the ability of Islamic banks to survive in the face of intense competition in the Islamic banking industry as well as competition in the national banking industry in Indonesia. The asset quality of a bank shows the soundness of the bank as an intermediary in increasing public trust in banks in managing public funds. Given that asset is an important issue for banks to prevent bankruptcy and bank risk generally come from weak assets. Maintaining bank financial stability is also very important, where profit as the main source of bank funds in increasing core capital is highly dependent on the ability of the bank’s business profitability to increase profits. The study aims to the similarities and differences in efficiency, asset quality, and financial stability between Islamic Commercial Banks and Sharia Business Units for the 2016-2020 period. Data analysis method used descriptive statistical test and independent sample t-test with the help of IBM SPSS Statistic 22 software. The results of this study indicate that is a difference in efficiency, this is evidenced by the t count value of 4.379 and a significance value of 0,000 < 0,05. There are similarities in asset quality, this is evidenced by the t count value and a significance value of 0,197 > 0,05. And there are differences in financial stability, this is evidenced by the t count value of -2.180 and a significance value of 0,032 < 0,05.
FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN MASYARAKAT MENGGUNAKAN LAYANAN PERBANKAN SYARIAH Amalia, Rizqi; Anwar, Mukhlis Kaspul; Malihah, Lola; Aisyah, Lisda
Indonesian Scientific Journal of Islamic Finance Vol 1 No 2 (2023): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i2.5501

Abstract

The function and role of Islamic financial institutions include meeting the needs of the community for funds as a means to carry out economic activities in accordance with sharia principles. The purpose of this study is to find out what factors affect people's decisions using Islamic banking services. Researchers tested several variables that allegedly influence people's decisions using Islamic Banking services, namely knowledge (X1), fund products and services (X2) and quality of service (X3). At the coefficient of determination (R Square) of 0.615 or equal to 61.5%. This means that knowledge variables, funded products and services and service quality simultaneously (together) can explain the response variable by 61.5%. The rest (100% - 61.5% = 38.5%) was explained by other variables outside of the study. Keywords: Quality of Services, Funded Products and Services.
BANK DIGITAL SEBAGAI PERADABAN LEMBAGA KEUANGAN SYARIAH DI INDONESIA Dian Pertiwi; Amin Suyitno; Endang Rochmiatun; Widiya Nur Anisa; Disfa Lidian Handayani
Indonesian Scientific Journal of Islamic Finance Vol 1 No 2 (2023): Indonesian Scientific Journal of Islamic Finance
Publisher : FEBI Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i2.5930

Abstract

This paper is motivated by advances in internet technology in the era of the industrial revolution 4.0 which caused changes in all areas of industry, including the financial services industry. Sharia banking is required to adapt to digital services to meet customer needs so that they change their business model by transforming digitally into digital banks. This type of research is library research with a qualitative descriptive approach that seeks to provide an overview of the civilization and development of Islamic financial institution in Indonesia. The results of this paper explain that the development of digital Islamic financial institutions is growing rapidly, this is a strength possessed by Islamic digital banks which makes it easy to access data that can be accessed via GooglePlay and the App Store. Due to the easy access of Islamic financial institutions digitally, it will be easier for customers to manage their finances, and Islamic financial institutions can enhance partnerships with various parties to develop services that suit customer needs.
THE DEVELOPMENT OF ISLAMIC MICROFINANCE: A BIBLIOMETRIC APPROACH Mia Sari
Indonesian Scientific Journal of Islamic Finance Vol 1 No 2 (2023): Indonesian Scientific Journal of Islamic Finance
Publisher : FEBI Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i2.6056

Abstract

This study tries to review research on sustainable microfinance development in Scopus indexed journals. This analysis uses descriptive statistical analysis based on 319 selected papers related to microfinance sustainable development from both national and international journals. All samples of published journals have been published for 27 years from 1996 to 2022. The data is then processed and analyzed using the VOSviewer application program to find out the bibliometric visualization map for sustainable development of microfinance research. The results of this bibliometric mapping study show a map of the development of research in the field of sustainable development microfinance. This study also found a close relationship between microfinance sustainable development and the main goal of the SDGs, namely eradicating poverty to promote prosperity for all people of all ages around the world. This research finds new and interesting keywords for further research.

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