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Supriyanto
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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 97 Documents
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Affecting Financial Inclusion Toward Third Deposit Funds of Islamic Banking Indonesia Muhammad Khozin Ahyar; Abdul Hakim
Journal of Finance and Islamic Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v4i2.2658

Abstract

This study aims to determine the effect of financial inclusion variables on third-party deposit funds used in Islamic banking. In general, this study uses financial inclusion and non-financial inclusion variables. Financial inclusion variables are proxied by office networks, ATM networks, and savings customers. Financial inclusion variables are proxied by office networks, ATM networks, and savings customers. Third deposit funds, interest rates, profitability, yield equivalent, and the size of sharia banking are all used as non-financial inclusion variable proxies. This quantitative study used the Vector Error Correction Model (VECM) and the Eviews analysis tool. The cointegration test probability value (0.0228 < 0.05) indicates that the data used in the study are cointegrated. According to the data analysis, the office network (2,60397) and the ATM network (2.48865) serve as proxies for financial inclusion variables affecting Islamic banking deposits. The deposit customer (1,55953), on the other hand, is a proxy variable that has no effect. The equivalent yield (2,48469) and Islamic banking size (2,77972) are non-financial inclusion variables influencing Islamic banking deposits. The benchmark interest rate (-0,29262) and profitability (0,90000), on the other hand, do not affect Islamic banking deposits.
The Impact of Various Mode of Financings in Reducing Inequality in Various Groups of Countries Irma Yuliani; Muhammad Abdul Rohman
Journal of Finance and Islamic Banking Vol. 3 No. 2 (2020)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v3i2.2931

Abstract

The existence of Islamic bank not always provide positive impact to the real sector of economy. Declining inequality is one of the expected significant impacts with appyling mode of financing as instrument to relize that. This study aims to investigate the impact of mode of financing was applied by Islamic bank to reduce inequality among countries of IsDB Group. World bank data and IDB data of Islamic banks are employed as samples from 1977 to 2018. The results show that equity and leasing have a positive effect and significant to reduce inequality for low income countries, where the leasing or ijarah have the most effective impact than all. In addition, instalment sale of financing has a significant impact to reduce inequality for middle-income countries, loan is being the only significant mode of financing to reduce inequality in all IDB countries. Unfortunately, Mudharabah, PLS (profit and loss sharing), Murabahan and Istishna have not significantly impact to reduce inequality
Analysis of Savings and Loans Scheme by Family Welfare Empowerment Organization As a Fulfillment Solution for Muslim in the Pandemic Outbreak Helti Nur Aisyiah; Alvin Yahya
Journal of Finance and Islamic Banking Vol. 4 No. 1 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v4i1.2962

Abstract

This study aims to analyze the savings and loans scheme at the Family Welfare Empowerment Organization (FWEO) at the Neighborhood Association (NA) XY, Karanganyar Regency, during the Covid-19 pandemic outbreak. This study uses a qualitative approach with the method of observation and interviews. Observations observe the object of research when transacting savings and loans and the distribution of residual income. Interviews confirmed people who are directly related to the savings and loans activities at FWEO of NA XY including the chairperson, fund administrator of FWEO and Muslim borrowers.The results of the study show that the savings and loans activities at FWEO of NA XY are family-based community activities and prioritize the principle of ta'awun or mutual assistance. One of the assistance is given to Muslims members of FWEO and suffering from financial difficulties during the pandemic outbreak. The principle of ta'awun is reflected by the scheme of savings, loans and the ease use of residual income and based on trust among members. This fact supports the findings that the existence of FWEO in NA XY makes it easier for Muslims to obtain funds as well as to ease the economic burden, especially for those affected by Covid-19.
Performance Analysis of Islamic Micro Finance Institutions on Sustainable Rural Development in Indonesia Aan Zainul Anwar; Edi Susilo; Fatchur Rohman; Purbayu Budi Santoso; Edy Yusuf Agung Gunanto; Darwanto Darwanto
Journal of Finance and Islamic Banking Vol. 3 No. 2 (2020)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v3i2.2965

Abstract

This study aims to analyze the influence of the performance of Islamic microfinance institutions (MFIs) in strengthening the agricultural and fisheries sector to realize sustainable rural development. The study uses quantitative method and purposive sampling method. The sample of this study was 85 agricultural and fishery business actors in Central Java, Indonesia. The variable quality of service, accessibility and philanthropic characteristics of Islamic MFIs towards sustainable rural development which mediated by strengthening of the agricultural and fisheries sector. The urgency of this research is to establish a financing model for the agriculture and fisheries sector. This study uses primary data which collected through filling out the questionnaires by business actors in the agriculture and fisheries sector. The results showed that 1) the service quality of Islamic MFIs had no impact on strengthening the agricultural and fisheries sector 2) accessibility of Islamic MFIs had a positive impact on strengthening the agricultural and fisheries sector 3) philanthropic characteristics had a positive impact on strengthening the agricultural and fisheries sector 4) strengthening the agriculture and fisheries sector has a positive impact on sustainable rural development. This research can be used as a model for channeling customer funds to finance Islamic MFIs 
Bank Wakaf Mikro Usaha Mandiri Sakinah: Pemberdayaan Ekonomi Perempuan Universitas Aisyiyah Yogyakarta Chandra Mahardika Putri Dewanti; Supriyanto Supriyanto; M Endy Saputro
Journal of Finance and Islamic Banking Vol. 3 No. 2 (2020)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v3i2.2970

Abstract

Bank Wakaf Mikro (BWM) Usaha Mandiri Sakinah merupakan BWM pertama berbasis universitas di Indonesia. Di bawah naungan Universitas Aisyiyah (UNISA) Yogyakarta, BWM ini fokus pada penyediaan akses pembiayaan dan pemberdayaan perempuan pelaku usaha kecil dan mikro. Kegiatan pemberdayaan tesebut terwujud melalui program pelatihan dan pendampingan. Tulisan ini merupakan hasil analisis terhadap etos gerakan BWM Usaha Mandiri Sakinah. Bagaimana pandangan Aisyiyah memengaruhi gerakan BWM Usaha Mandiri Sakinah? Bagaimana langkah BWM Usaha Mandiri Sakinah dalam mengupayakan pemberdayaan ekonomi perempuan? Sejauh apa dampak langkah tersebut bagi perempuan pelaku usaha kecil dan mikro? Tulisan ini berargumen bahwa BWM adalah salah satu alternatif yang dapat dilakukan untuk menyediakan akses bagi pengembangan ekonomi kecil dan mikro, serta berdampak bagi kemampuan produktif dan eksistensi perempuan dalam menentukan keputusan.
Development Maqashid Sharia Performance in Islamic Bank Muhammad Taufik
Journal of Finance and Islamic Banking Vol. 3 No. 2 (2020)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v3i2.2978

Abstract

Islamic banks differ from conventional banks both in philosophy and practice. Its implication is the measurement of performance with financial measures is inappropriate. Maqashid sharia as an alternative continues to develop, so that existing measurements have shortcomings. This study develops the existing measurement of maqashid sharia. The development was carried out in three stages, namely literacy studies, weighted scores, and semi structured interviews. Interviews were conducted with academics of ushul fiqh, Islamic economics, Islamic accounting and practitioners of Islamic banking. Maqashid Sharia Performance (MSP) as a measurement development compiles operational definitions into legal and social requirements. Legal requirements consist of 11 SSB Report indices, 7 product and activity indices, 4 document confirmation indices, 7 zakat indices, and 7 attestation of accounting indices. The social requirements consist of 11 daruriyat ratios, 4 hajiyat ratios, and 2 tahsiniyyat ratios. This research contributes to finding measurements of maqashid sharia that meet the aspects of form and substance and are comprehensive for all levels of daruriyat, hajiyyat, and tahsiniyyat.    Keywords             : maqashid sharia performance, legal requirement, social requirement, financial measurement, Islamic bank
The Map of the Understanding Level of Cash Waqf for Jama'ah of Masjid in District of Ponorogo City Abdul Latif; Imam Haryadi; Adib Susilo
Journal of Finance and Islamic Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v4i2.3022

Abstract

The low level of participation of waqf in society is caused by the low level of understanding of waqf. Therefore, this research is aimed to mapping the understanding of waqf. The object of the study is the mosque congregation in the district of Ponorogo. The method used in this study is qualitative descriptive with a corresponding approach. The data collected through interviews. The result of this study shows that the understanding of waqf is mapped on three themes namely, a basic understanding of waqf, an understanding of waqf benefits, understanding of the law related to waqf. This research also found that the level of understanding waqf based on the map is at a medium-low level. Means, the mosque congregation at the district of Ponrogo are still unfamiliar with waqf in term advanced understanding. 
Islamisation of Microfinance program in The Gambia Saikou Gassama
Journal of Finance and Islamic Banking Vol. 4 No. 1 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v4i1.3385

Abstract

The Gambia is a 95 percent Muslim that is located in the western part of Africa. The population of the country is just around 2.5 m. The Gambia is largely dependent on Agriculture, tax and foreign aid and is ranked 178, in the Human Development Index 2019, the Gambia is classified as a country with medium human development. Currently there are various microfinance program that has been existing for years, but none of them are having Islamic microfinance loan products, as a result some did not take their loans and even those who take it is hard to change their lives, because it is purely for profit making and also the higher interest rate. Islamic Microfinance would be the best kind of development instrument for the population of Gambia. The microfinance institutions in the Gambia are very well expanded, they are the main source of credit to the Gambian population both rural and urban. Therefore it will be very important if microfinance institutions in the Gambia can introduce Islamic microfinance. The objective of this paper is to suggest ways to Islamize microfinance in The Gambia and the benefits Islamic microfinance. It is anticipated that the outcome of this paper would complement efforts by the government and NGO in the fight to eradicate poverty in the Gambia.
Performance and Sustainability of Halal Food Smes Rina Sari Qurniawati; Yulfan Arif Nurohman
Journal of Finance and Islamic Banking Vol. 4 No. 1 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v4i1.3470

Abstract

This study investigates the performance and sustainability of halal food SMEs in the FinTech era. The large aggregate contribution of SMEs does not yet reflect good performance in domestic and foreign market competition due to lack of financial literacy. FinTech can support financial literacy so performance and sustainability SMEs will increase. Consequently, testing the effect of fintech and literacy on the performance and sustainability of MSMEs. A total of one hundred respondents are selected using the quantitative method as sources of data collection. The questionnaires are distributed using a purposive sampling method in Surakarta, Indonesia. The software used for analysis is SEM-PLS.  The results of this study state that the performance and sustainability of SMEs are influenced by FinTech and financial literacy
Realization and Contribution Sukuk Retail, Savings, and Retail's Waqf During The 2020 Covid-19 Pandemic Moh Agus Nugroho; Rika Febby Rhamadhani; Fathul Khair
Journal of Finance and Islamic Banking Vol. 4 No. 1 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v4i1.3509

Abstract

Covid-19 entered Indonesia around March 2020, having an impact on economic growth. Indonesia during 2020 minus 2.07 percent of its economy. This economic decline was caused by Covid-19 which had an impact on the economic activities of residents. Throughout 2020 the government issued 4 series of Sukuk, retail Sukuk SR0012 and SR013, savings Sukuk series ST007 and finally retail Sukuk waqf SWR001. The purchase realization of SR012 was IDR 12,142 trillion, and SR013 was IDR 25,667 trillion. Then ST007, the funds that were collected were Rp. 5.18 trillion and the retail Sukuk waqf series SWR001 as much as Rp. 14.91 billion. Despite the minus economy, the Sukuk is still in demand by the Indonesian people. For own contribution, retail Sukuk funds are used for infrastructure development such as bridges, Hajj boarding buildings, construction of railroads, and others. Meanwhile, savings Sukuk are allocated for economic recovery and eligible green projects. Finally, retail waqf Sukuk is used for financing social activities and empowering people, such as the construction of an eye hospital for the poor and others.

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