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Angrum Pratiwi
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angrum.pratiwi@uinsi.ac.id
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inasjifuinsi@gmail.com
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FEBI Building Second Floor, State Islamic University (UIN) Sultan Aji Muhammad Idris Samarinda Jl. H.A.M Rifaddin, Loa Janan Ilir, Samarinda - East Borneo 75131
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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 JUMLAH KANTOR, INFLASI, NILAI TUKAR, SUKU BUNGA DAN PDB TERHADAP DPK PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2017-2022 Putri Herma Syasya; Fitria Rahmah; Nurul Fadhilah
Indonesian Scientific Journal of Islamic Finance Vol 2 No 1 (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.v2i1.7444

Abstract

It is important to know the factors that influence Third Party Funds (DPK), because Third Party Funds (DPK) support stability and management in sharia commercial banks. This research aims to determine the influence of the number of offices, inflation, exchange rates, interest rates, and Gross Domestic Product (GDP) on Third Party Funds (DPK) in Islamic commercial banks in Indonesia for the 2017-2022 period.The research method used is a quantitative approach. The population of all BUS in Indonesia for the 2017-2022 period and the sample used was a saturated sampling method. The data used is secondary data with a documentation method, namely data collection through official websites such as the Financial Services Authority (OJK), Bank Indonesia (BI), and the Central Statistics Agency (BPS). The data analysis technique uses multiple linear regression analysis with the Eviews 10 application.The research showed that partially the number of offices, exchange rates, interest rates, and Gross Domestic Product (GDP) had a significant effect on Third Party Funds (DPK) in Islamic commercial banks in Indonesia for the 2017-2022 period, while inflation had no significant effect on Third Party Funds (DPK) in Islamic commercial banks in Indonesia for the 2017-2022 period. Then simultaneously the number of offices, inflation, exchange rates, interest rates, and Gross Domestic Product (GDP) have a significant effect on Third Party Funds (DPK) in Islamic commercial banks in Indonesia for the 2017-2022 period. For future researchers, to add internal variables from other Islamic commercial banks to get more accurate results.
ANALISIS PENYELESAIAN PEMBIAYAAN BERMASALAH DI UNIT USAHA BANK KALTIMTARA SYARIAH KC SAMARINDA Linda, Norma; Iswadi, Muhammad; Hasbi, Muhammad
Indonesian Scientific Journal of Islamic Finance Vol 2 No 2 (2024): 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.v2i2.7531

Abstract

Non Performing Financing is a condition where financing activities meet the agreed conditions for repayment of the financing, resulting in a delay, so action is required by the bank. This research aims to find out the level of problematic financing, what are the factors of problematic financing and how to resolve problematic financing in the Bank Kaltimtara Syariah Business Unit KC Samarinda.This research uses descriptive qualitative research, which is a research method that emphasizes the aspect of in-depth understanding of a problem so that the research can be of high quality, so the data collected must be complete in the form of primary data and secondary data. Data collection techniques in this research used observation, interview and documentation techniques. And the data analysis techniques used are data collection, data reduction, data presentation, and drawing conclusions.The results of this research show that the level of financing at Bank Kaltimtara Syariah for problem financing is classified as healthy. Because it has decreased in the past three years, this is reflected in the financial statements, namely in 2020 it was 2.96%, in 2021 it was 2.78% and in 2022 it was 0 .78%. There is 1 factor that causes problematic financing at Bank Kaltimtara Syariah KC Samarinda, namely external factors. Problematic financing can occur but not too much because those who apply for financing are customers who choose consumer products. Meanwhile, for productive products, problematic financing occurs in During the pandemic, customers experienced unexpected events, namely a decrease in turnover. Resolving financing problems in productive financing products by holding discussions to obtain information about problems in the customer's business. Then the bank also held a Restructuring Option. Meanwhile, for consumer financing products, the solution is for the party to give a warning letter or block salaries and take over to another bank
MANAJEMEN PERMODALAN UNTUK MENINGKATKAN KESEHATAN BMT MASLAHAH NGAWI Adella, Salma Nauval; Rizal, Fitra
Indonesian Scientific Journal of Islamic Finance Vol 2 No 2 (2024): 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.v2i2.7572

Abstract

This research is based on the world of sharia banking business in this modern era. BMT Maslahah Ngawi Branch's efforts to maintain health through capital management originating from owners, shareholders and several operational income results based on certain provisions. The aim of this research is to analyze capital management, health level, obstacles faced by BMT Maslahah Ngawi Branch. The formulation of the research problem is 1) What is the health level of BMT Maslahah Ngawi Branch, 2) How is the capital management of BMT Maslahah Ngawi Branch, 3) What are the obstacles faced by BMT Maslahah Ngawi Branch in improving health. This research is field research and uses a descriptive qualitative approach through in-depth interviews, field observations and documentation of BMT Maslahah Ngawi Branch by staff and managers, analyzed using an inductive method in the form of specific data categorized as data reduction, display data and ends with data verification. The results of the research on BMT Maslahah Ngawi Branch can be concluded that: 1) The health level of BMT Maslahah Ngawi Branch in 2019-2022 experienced a percentage decrease, showing a CAR of 6.30%, occupying the title of Less Healthy. 2) Capital Management through marketing techniques and empowering human resources. 3) The problem with BMT Maslahah Ngawi Branch is that the management is considered unprofessional, and the lack of customer responsibility has an impact on customer financing obligations.
STRATEGI PENGEMBANGAN TABUNGAN DENGAN PENDEKATAN BUSINESS MODEL CANVAS PADA BANK SYARIAH INDONESIA Nurul Setianingrum; Indah Dwi Lestari; MF Hidayatullah; Angrum Pratiwi
Indonesian Scientific Journal of Islamic Finance Vol 2 No 1 (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.v2i1.7599

Abstract

The business and technological environment is experiencing changes in use, influencing the current macro and micro economic environment. Changes in consumer behavior and competition in all sectors require companies to compete and maintain their business. Companies need to focus on customer satisfaction in addition to sales and profits. Satisfied customers create loyalty and profits. The research focuses on implementing the Easy Mudharabah Savings development strategy using the Business Model Canvas. The aim is to understand the Business Model Canvas that can be applied to BSI Easy Mudharabah Savings and the implications of its development strategy. This type of research is descriptive with a qualitative approach. The location of this research is PT. Indonesian Sharia Bank. Data was collected through observation, interviews, documentation and triangulation. Data analysis includes data collection, data reduction, data presentation, and drawing conclusions. The results of this research show: 1) BSI's value proposition is low admin costs, e-channel facilities, and profit sharing. 2) Customer segment is the target customer for Easy Mudharabah Savings. 3) Communication channels with customers through websites and personal selling. 4) Customer relationships are carried out through friendly service from BSI employees. 5) Revenue stream comes from admin fees and profit sharing. 6) Key partners are BSI employees. 7) Key activities include marketing and creating an Easy Mudharabah Savings account. 8) Key resources are BSI and E-channel employees. 9) Cost structure includes promotional and operational costs in marketing activities.
FAKTOR-FAKTOR YANG MEMPENGARUHI PENGGUNAAN BSI MOBILE DI SAMARINDA: PENDEKATAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) Amelia, Reski; Nuryadin, M Birusman; Komariah, Kokom
Indonesian Scientific Journal of Islamic Finance Vol 2 No 2 (2024): 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.v2i2.7696

Abstract

Pertumbuhan penggunaan layanan perbankan digital di Indonesia terus meningkat seiring dengan perkembangan informasi teknologi saat ini. BSI mobile merupakan aplikasi layanan dari Bank S yariah Indonesia yang diharapkan dapat memberikan kemudahan kepada nasabah. Model Unified Theory of Acceptance and Use of Technology (UTAUT) berfungsi untuk mendeteksi tingkat penerimaan suatu teknologi. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh ekspektasi kinerja, ekspektasi upaya, pengaruh sosial, dan kondisi fasilitas serta persepsi biaya terhadap penggunaan BSI mobile di Samarinda. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan asosiatif. Populasi dalam penelitian ini adalah nasabah aktif BSI di Samarinda yang telah terdaftar sebagai pengguna ponsel BSI, sedangkan sampel yang digunakan sebanyak 97 responden. Pengambilan sampel dilakukan dengan metode purposive sampling dan teknik pengukuran dengan skala likert. Metode analisis data yang digunakan adalah analisis asumsi klasik, analisis regresi berganda, uji t, dan uji F bantuan dengan SPSS Ver.24. Hasil penelitian menunjukkan bahwa variabel ekspektasi kinerja, ekspektasi upaya, dan pengaruh sosial secara parsial berpengaruh positif dan signifikan. Sedangkan kondisi fasilitasi tidak mempunyai pengaruh yang positif dan tidak signifikan, dan biaya yang dirasakan hanya mempunyai pengaruh yang positif dan tidak signifikan. Kemudian secara simultan variabel ekspektasi kinerja, ekspektasi upaya, pengaruh sosial, kondisi fasilitasi, dan persepsi biaya berpengaruh positif dan signifikan terhadap penggunaan BSI mobile di Samarinda.
INVESTIGATING THE INTENTIONAL APPROACH OF CUSTOMERS TO USE THE ISLAMIC BANKING IN PAKISTAN: AN EMPIRICAL STUDY Chandio, Abdul Rahim; Brohi, Moula Bux
Indonesian Scientific Journal of Islamic Finance Vol 2 No 2 (2024): 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.v2i2.7997

Abstract

Abstract This study aims to investigate the perception of Islamic Banking users and measure the proposed behavioral factors like perceived usefulness, perceived ease of use, social influence, and attitude with the intention to use. This research inculcates the theory of planned behavior (TPB), unified theory of acceptance and use of technology (UTAUT), and technology acceptance model (TAM) in a perspective of Islamic Banking. The nature of the research is based on the quantitative methodology and follows the survey questionnaire in order to collect the data within the province of Sindh. For the data analysis 268 survey items were distributed among the Bank customers and the only 193 respondents materialized their feedback. For the testing the hypothesis SPSS version 24 was used. The results of the study show that all proposed constructs fond the positive and significant relationship with the criterion variable. Moreover, theoretical and practical significance of this study is related to behavior of consumer in Islamic Banking and it ensures the services and products via adoption, promotion, and propagation of Islamic banking as a social norm in Pakistan.
INTEREST AND PROFIT SHARING INSTRUMENTS IN THE BANKING WORLD Hasan, Zulfikar; Susanto, Erik
Indonesian Scientific Journal of Islamic Finance Vol 2 No 2 (2024): 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.v2i2.8025

Abstract

This article attempts to examine the concept of interest instruments in conventional banking and profit-sharing instruments in Islamic banking and their implications for investment and financing for customers according to the perspective of the principle of justice in Islamic economics. This study uses the research library method, and the researcher analyzes relevant secondary data related to this discussion. Data was sourced from journals, books, and other reading materials. This study uses a phenomenological approach to describe the overall problem of the people who experience it directly, in this case, the bank and the customer. The results of the study show that interest instruments at conventional banks tend to be more unfair because the interest system at traditional banks does not see profit and loss from the business being run. Dangerous for the culprit. Meanwhile, profit-sharing instruments at Islamic banks are based on the profit and loss of the company run by the bank and customers, which are considered fairer. Even so, Islamic banks still have an expected bank rate of standard profit expectations for the bank's business to support sound financial performance.
PENGEMBANGAN PONDOK PESANTREN BERBASIS ASET WAKAF DI JAWA TIMUR Mahrus, Moh.; Musfiroh, Imroh Atul
Indonesian Scientific Journal of Islamic Finance Vol 2 No 2 (2024): 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.v2i2.8239

Abstract

Wakaf tidak dipandang lagi sebagai pranata keagamaan yang tujuan, fungsi dan peruntukannya hanya sebatas untuk kepentingan ibadah semata. Namun, harus dimaknai sebagai sarana potensial untuk meningkatkan kesejahteraan masyarakat dan memenuhi kepentingan umum, termasuk bagi dunia pendidikan khususnya Pondok pesantren yang turut serta dalam menciptakan generasi bangsa. Penelitian ini merupakan penelitian kualitatif dengan menggali informasi, pemberitaan, dan pendapat serta memaparkannya kembali perihal peran-serta Yayasan Badan Wakaf KH. Adlan Aly dalam pengembangan pendidikan Islam. Hal ini dilakukan antara lain dengan wawancara secara snowball sampling dengan beberapa pihak yang berkompeten, pengurus yayasan, serta pihak-pihak yang mengetahui tentang seluk-beluk wakaf di institusi tersebut. Juga dengan mengadakan observasi. Hasil penelitian ini telah menyimpulkan bahwa mengamankan aset wakaf di lingkungan Yayasan Badan Wakaf KH. M. Adlan Aly Cukir Jombang dan Yayasan Khoiriyah Hasyim Seblak Jombang. Wujud nyatanya antara lain dengan menjadikan lembaga (dalam hal ini awalnya Ponpes Putri Mu’allimat) sebagai Yayasan Badan Wakaf. Konsekwensi logisnya adalah bahwa semua harta milik Yayasan menjadi harta wakaf. Di samping itu, adanya upaya sertipikasi tanah dan bangunan, baik berupa sertipikat tanah (hak milik) maupun sertipikat tanah wakaf. Demikian pula dengan inventarisasi harta Yayasan yang menjadi agenda program kerja Yayasan, minimal dapat diketahui secara keseluruhan kekayaan Yayasan Badan Wakaf.
PERAN AKUNTANSI RUMAH TANGGA DALAM PENGELOLAAN KEUANGAN SYARIAH Ardiana, Elsa; Muthalib, Ahmad Abdul; Arafah, Muh.
Indonesian Scientific Journal of Islamic Finance Vol 3 No 1 (2024): 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.v3i1.8148

Abstract

Household financial management plays a crucial role in creating socio-economic stability, especially for rural communities such as those in Ulo Village, Tellu Siattingge District. One common approach to support financial management is cash flow recording. However, inadequate recording often makes it difficult for households to monitor and analyze income and expenditure patterns effectively. From a Sharia perspective, proper financial management becomes even more significant as it must align with Sharia principles, such as transparency, fairness, and the prohibition of usury. This study aims to identify the role of household accounting in Sharia-based financial management, including supporting factors, implementation barriers, and solutions to overcome challenges. The research employs a qualitative approach, collecting data through field observations, in-depth interviews, and documentation. The study involves five informants, all of whom are housewives with children and have been married for at least 5 years. Data analysis was conducted thematically using triangulation techniques to ensure result validity. The findings indicate that household accounting plays an essential role in helping families create budgets, record financial transactions, support decision-making, and plan long-term finances. Supporting factors include awareness of the importance of financial recording and basic understanding of Sharia principles, while the main obstacles involve limited knowledge and lack of consistency in recording. Nonetheless, informants reported significant benefits, such as using financial records as a reference for managing finances in the following month. The implementation of simple household accounting has proven effective for housewives in Ulo Village in controlling expenditures, budgeting, and improving financial management in line with Sharia principles. For housewives in similar areas, simple financial recording can be an initial step toward enhancing family economic stability. This study recommends Sharia-based financial literacy training and the development of simple financial recording tools. Future research could explore the long-term impacts and the role of technology in supporting Sharia financial management at the household level..
ANALISIS EFEKTIVITAS INSTRUMEN MONETER SYARIAH DALAM MENGENDALIKAN INFLASI DI INDONESIA Mahmud, Prananda Priyandan; Darmawati, Darmawati; Mainata, Dedy
Indonesian Scientific Journal of Islamic Finance Vol 3 No 1 (2024): 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.v3i1.8508

Abstract

This study is based on the framework that inflation is one of the main macroeconomic challenges in Indonesia. The objective of this research is to analyze the impact of the Bank Indonesia Sharia deposit facility (FASBIS), reserve requirement (GWM), and Islamic interbank money market (PUAS) on inflation in Indonesia during the 2018-2022 period. A quantitative approach was adopted, utilizing multiple linear regression analysis. Data were collected from the official websites of Bank Indonesia and the Financial Services Authority. The results revealed that, partially, GWM significantly affects inflation, while FASBIS and PUAS show no significant impact. However, simultaneously, the three instruments significantly influence inflation. The main conclusion drawn is that strengthening GWM policies and further developing other Islamic monetary instruments can contribute to inflation stability in Indonesia.

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