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Shariah Banking Study Program, Faculty of Islamic Economics and Business, UIN Raden Mas Said Surakarta. Jl. Pandawa No. 1, Pucangan, Kartasura, Central Java, Indonesia, 57168. Phone: 02271 781516, Fax: 02271 782774
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Journal of Finance and Islamic Banking
Published by Universitas Islam Negeri Raden Mas Said Surakarta
ISSN : 26152967     EISSN : 26152975     DOI : prefix 10.22515/jfib
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Journal of Finance and Islamic Banking is a peer reviewed journal that is published by the Sharia Banking Department of UIN Raden Mas Said Surakarta in collaboration with the scholars association Ikatan Ahli Ekonomi Islam, published biannually in June and December. This journal publishes current, original research on Islamic finance and Islamic banking. The Journal of Finance and Islamic Banking openly welcomes scholars, postgraduate students, and practitioners to submit their best research articles that correspond to the topics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 91 Documents
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Effect of Profitability and Leverage on Disclosure of Corporate Social Responsibility in Islamic Commercial Banks Alfiyah, Siti Nur
Journal of Finance and Islamic Banking Vol. 1 No. 2 (2018)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v1i2.1494

Abstract

The purpose of this study is to determine the effect of profitability and leverage on Corporate Social Responsibility. The population in this study are all Sharia Commercial Banks registered in the Financial Services Authority from 2014-2016. The sampling technique used purposive sampling method and obtained 10 research samples. For the dependent variable (y) of this research is Corporate Social Responsibility. For independent variable (x) that is profitability and leverage. The method used is quantitative research method. For data source is secondary data by using data analysis with statistic used SPSS software program assistance Smart SPSS 20. The results of this study indicate that profitability has no significant effect on Corporate Social Responsibility. The study also concluded that Leverage significantly influence Corporate Social Responsibility.
Disclosure of Islamic Social Reporting in Sharia Banks: Case of Indonesia and Malaysia Wardani, Marita Kusuma; Sari, Dea Devita
Journal of Finance and Islamic Banking Vol. 1 No. 2 (2018)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v1i2.1495

Abstract

This study aims to analyze the effect of profitability, leverage, the board of Commissioners and the number of sharia supervisory board of the Islamic Social Reporting (ISR) Islamic banks in Indonesia and Malaysia during the period 2014-2016. The dependent variable in this study is Islamic Social Reporting. While the independent variable is profitability, leverage, the board of Commissioners and the number of sharia supervisory board. The population in this study includes all Islamic banks. Samples were selected using a purposive sampling method and acquired 12 units of Islamic banks in Indonesia and 15 units of Islamic banks in Malaysia. Analysis of the data to test the hypothesis used multiple regression (OLS). The results showed that the profitability of significant positive effect on the disclosure of ISR in Islamic banks in Indonesia, but not with Islamic banks in Malaysia. The study also produced findings that the Board of Commissioners of significant positive effect on the disclosure of ISR in both countries. Furthermore, leverage and the number of sharia supervisory boards do not significantly affect the ISR.
The Determinants of Rate of Return Deposits In Islamic Banks Ahmad Al-Harbi
Journal of Finance and Islamic Banking Vol. 2 No. 2 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i2.1645

Abstract

This article aims to identify the determinates of the rate of return on deposits in Islamic banks. The study, according to the best of my knowledge, is the first study to investigate the factors affecting the rate of return in Islamic banks using cross-country data with a large sample of banks and for a prolonged period. To achieve its aim, the author used data from almost all Islamic banks in the world for a 20-year period (1989-2008). The data were analyzed using a two-way fixed-effect model. The empirical results demonstrate that capital adequacy (default risk), credit risk, age, economic growth, and concentration significantly and negatively influenced the return on deposits in Islamic banks. The results also suggest that foreign ownership, size, inflation, and oil prices had significant and positive effects on the rate of return. Moreover, the results indicated that deposit insurance (positive), interest rates (positive), and deposit growth (negative) are not determinants of the rate of return in Islamic banks. 
Determinan Nilai Perusahaan Manufaktur Yang Terdaftar di Indeks Saham Syariah Indonesia Periode 2011-2017 Muhammad Hamdan Aninulyaqin; Endri Endri; Sigid Eko Pramono
Journal of Finance and Islamic Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i1.1748

Abstract

The purpose of this research is to analyze the effects of managerial ownership, audit committees, investment opportunities, profitability, and corporate social responsibility (CSR) on the value of manufacturing companies. This research uses data obtained from a manufacturing account of the manufacturing company registered in the Indonesia Sharia Stocks Index (ISSI) period of 2011-2017 Analysis using the application of the panel data regression model with the e-views 9 and Microsoft excel. Studies show that the most appropriate selection of models for the data panel's regression is a fixed-effect model with the result of research that managerial ownership, profitability, and corporate social responsibility (CSR) have no significant effect on the value of manufacturing companies, while the variable committee's variables and investment opportunities have significant to the value of the company listed on the Indonesia Sharia Stocks Index (ISSI) period of 2011-2017.
Pengaruh Loan Loss Provision, Financing Growth, Biaya Operasional dan Return on Asset Terhadap Non Performing Financing di Perbankan Syariah Indonesia Hasepti Harizanto
Journal of Finance and Islamic Banking Vol. 2 No. 2 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i2.1784

Abstract

This article aims to determine the effect of specific variables namely LLP, FG, BOPO, and ROA at Bank Indonesia during the study period (2011-2016). The number of samples in this study was 12 Islamic banks using purposive sampling techniques. This study uses panel data regression analysis, with some chow test model selection, Hausman test, Lagrange multiplier test, and hypothesis testing using a T-test to test the regression coefficients partially and the F-test to test the effect together at a significant level 5%. The results obtained in this study are Loan Loss Provision (LLP), Financing Growth (FG), Operational Costs (BOPO), have a positive and significant effect on NPF. While the Return on Assets (ROA) has a positive and not significant effect on NPF. But together the independent variables have an effect on NPF Islamic Banks in Indonesia.
Peranan Bank Wakaf Mikro dalam Pemberdayaan Usaha Kecil pada Lingkungan Pesantren Muhammad Alan Nur; Rais Sani Muharrami; Mohamad Rahmawan Arifin
Journal of Finance and Islamic Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i1.1806

Abstract

The purpose of this study was to determine the effect of Micro Waqf Bank financing on the empowerment of micro-businesses in the al-Pansa boarding school environment. The study uses qualitative methods with a phenomenological approach. The population in this study are customers who are included in the first and second Halmi forces at the al-Pansa Micro Endowments Bank. In conducting data collection techniques used are observation, interviews, and triangulation. The data analysis uses the Miles and Huberman approach. The results showed that the financing and business assistance carried out by the Al-Pansa Micro Waqf Bank had an impact on an increase in the number of production members. This increase in production has led to an increase in business revenues and customer profits which has subsequently helped to improve the economic conditions of customers. Despite the increase, the increase has not increased significantly.
Pemilihan Alternatif Investasi Dana Haji dalam Mendorong Pertumbuhan Ekonomi: Pendekatan Analytic Network Process (ANP) Abdul Ghofar; Achmad Firdaus; Ronald Rulindo
Journal of Finance and Islamic Banking Vol. 2 No. 2 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i2.1808

Abstract

This study aims to analyze the criteria for investing in Hajj funds and alternative investments that provide benefits to Muslims so that they have an impact on economic growth. By using the Analytic Network Process (ANP) approach, alternative investments offered are Infrastructure, Property, Financial Sector, and Real Sector. Data were collected using a questionnaire consisting of pairwise comparisons between groups and their assessment indicators. A total of 7 (seven) expert speakers (experts) who became respondents successfully collected and processed using the ANP method. The results showed that investment in infrastructure and the real sector provides benefits to Muslims economically, so as to improve the welfare of Muslims which in turn can encourage economic growth
Analisis Prudential Principle pada Pembiayaan Murabahah Produk KPR Indent BTN IB di Bank Tabungan Negara Syariah Cabang Malang Ridha Clasnita Thulusia; Khusnudin Khusnudin
Journal of Finance and Islamic Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i1.1810

Abstract

The prudential principle is a guideline in bank management that must be adhered to create healthy, strong and efficient banking by statutory provisions. One of the business activities that must be carried out prudently is fund distribution. Prudential Principle is said to be important because it relates to the interests of customers who entrust their customers, as written in Law Article 36 Number 21 concerning Sharia Banking. During the research period, BTN KCS Malang was able to increase the realization of BTN iB Indent KPR financing. It was interesting for researchers to find out about the application of the Prudential Principle to Murabaha financing products. This study uses a descriptive qualitative approach that aims to determine the Prudential Principle conducted by BTN KCS Malang in distributing Murabaha financing. The research respondents consisted of internal parties of banks and KPR Indent BTN iB financing customers. The results showed that Malang KCS BTN used 5C analysis in analyzing prospective Murabaha financing customers. Prudential Principle has been done properly and carefully in the distribution of murabaha financing.
Persepsi Masyarakat Non Muslim Terhadap Minat Menjadi Nasabah Bank Syariah Nur Rifai; Taufiq Wijaya; Supriyanto Supriyanto
Journal of Finance and Islamic Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i1.1811

Abstract

This study aims to determine whether cognitive, affective, and conative perception variables influence the interest of becoming customers of Islamic banks in Surakarta. The research employs quantitative methods, with a sample size of 100 respondents determined using the Slovin formula from a non-Muslim population of 122,130 inhabitants in Surakarta. Data analysis utilizes Multiple Linear Regression Analysis. The findings indicate that, based on the statistical tests, the combined influence of cognitive, affective, and conative perception variables (simultaneously-Test F) positively affects the interest in becoming customers of Islamic banks. The t-test reveals that cognitive perception (X1), affective perception (X2), and conative perception (X3) individually have a positive influence on the interest in becoming customers of Islamic banks (Y), each with a significant level. The regression equation demonstrates that cognitive perception, affective perception, and conative perception variables collectively impact the interest in becoming customers of Islamic banks. Thus, the null hypothesis (Ho) is rejected, and the alternative hypothesis (Ha) is accepted. The most dominant variable among them is the conative perception variable.
Pengaruh Makro Ekonomi Terhadap Profitabiltas Bank Umum Syariah di Indonesia Tahun 2014-2018 Wahyudin Priyono; Imanda Firmantyas Putri Pertiwi
Journal of Finance and Islamic Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i1.1825

Abstract

This study aims to analyze and identify the effects of inflation and rupiah exchange rates on profitability in Islamic banks in Indonesia with mudharabah deposit as the mediator. Using secondary data that are published by the central bank of Indonesia and financial services authority, the method used in this research is Ordinary Least Square. The result indicates the inflation variable, exchange rate, and mudharabah deposits simultaneously give a significant influence toward profitability (ROA) of the Sharia Commercial Bank in Indonesia. While partially, inflation and exchange rate have no significant effect on profitability (ROA). While mudharabah deposits have a significant positive effect on profitability (ROA). Inflation has a significant negative effect on mudharabah deposits and the exchange rate has a significant positive effect on mudharabah deposits. The path analysis result shows that the mudharabah deposit variable is unable to mediate the effect of inflation and te exchange rate to profitability (ROA)

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