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LA RIBA: Jurnal Perbankan Syariah
Published by Institut Agama Islam Al-qur'an Al-ittifaqiah Indralaya
ISSN : -     EISSN : 27747336     DOI : https://doi.org/10.53649/lariba
Core Subject : Economy,
Economics, Econometrics & Finance
This journal focuses on the development and dissemination of research in the field of Islamic finance and banking
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol. 4 No. 01 (2022): Desember 2022" : 6 Documents clear
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT GENERASI MILENIAL DALAM MENGGUNAKAN MOBILE BANKING (studi kasus Kelurahan Indralaya Mulya) Hidayani; Melati
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 01 (2022): Desember 2022
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i01.167

Abstract

This study aims to find out how the perceptions of the millennial generation use mobile banking in Indralaya Mulya Village, and to find out what factors influence the interest of the millennial generation in using mobile banking in Indralaya Mulya Village. The method used is a qualitative research method, the type of research used in this research is a type of field research (field research) which is descriptive qualitative, the data analysis used is using inductive thinking methods. The results of this study note that the perceptions of the millennial generation in Indralaya Mulya Sub-District indicate that their perceptions of mobile banking are positive in the sense that mobile banking provides the best service and is in accordance with their desires or interests in terms of using mobile banking, and factors that influence There are two millennial generations of interest in using mobile banking in Indralaya Mulya Village, namely internal factors (personality, motivation, attitudes and beliefs, lifestyle, and religion) and external factors (service, promotion and location). The conclusion in this study is that the perceptions felt by the millennial generation in Indralaya Mulya Village are in accordance with their wishes or interests in terms of using mobile banking, and the millennial generation in Indralaya Mulya Village are interested in using sharia mobile baking.
PEMBIAYAAN UMKM DAN LIKUIDITAS TERHADAP RESIKO PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2019-2021 Herlina; Hairunnisa; Melana Sari, Puput
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 01 (2022): Desember 2022
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i01.169

Abstract

Poor financing quality can affect company profits and revenues, decreased profits have an impact on the ability of banks to channel financing which causes Islamic banking to experience financing risks or problematic financing. This study aims to find out how the independent variables (MSME financing and liquidity) influence the dependent variable (financing risk) of Islamic commercial banks in Indonesia for the 2019-2021 period. The method used in this study is quantitative with descriptive statistics, the classic assumption test, namely the normality test, multicollinearity, autocorrelation, and heteroscedasticity test, is also equipped with hypothesis testing, namely the t (partial) test and f (simultaneous) test. The population used in this study is the statistical financial reports of Islamic commercial banks with samples of MSME, FDR and NPF data for 2019-2021 obtained from the Financial Services Authority. From OJK data, the results show that MSME financing does not have a significant effect on financing risk because there is a guarantee from the government to the community, namely the people's business credit program (KUR) which is channeled through Islamic banking institutions, good and bad bank liquidity does not have an impact on financing risks and financing risks occur because problematic financing from customers is not caused by Islamic banking institutions or liquidity owned by Islamic banking. The conclusion of this study is that the Ho hypothesis is accepted, showing that one or both of the independent variables (MSME financing and liquidity) have no effect on the dependent variable (financing risk) of Islamic general banks in Indonesia for the 2019-2021 period.
JUAL BELI ONLINE DALAM PENINGKATAN KESEJAHTERAAN EKONOMI DALAM PANDANGAN ISLAM Sari , Novita; Aryani, Siska
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 01 (2022): Desember 2022
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i01.170

Abstract

This study was conducted todetermine online buying and selling to improve economic welfare in the Islamic view. In this study, it does not requirea place to research, but insteadu sesalot of literature research techniques. The data analysis technique used in this study is a qualitative data analysis technique. Theres ultsand discussion of this researcher concluded that accordingto Islam, Online Business is legally allowed as longas it does not contain elements that can damage it such as usury, fraud, fraud, cheating, and the like.
ANALISIS PEMAHAMAN MASYARAKAT MENGENAI LAYANAN DAN PRODUK TERHADAP BANK SYARI’AH DALAM MINAT MENABUNG (STUDI KASUS DI DESA SERI TANJUNG) Ratna; Vinka, Ayuni
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 01 (2022): Desember 2022
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i01.171

Abstract

The purpose of this study is to determine the analysis of public understanding of services and products for Islamic banks in the interest of saving in Seri Tanjung Village. The method used in this research is qualitative. Analysis of the data used is a qualitative analysis method. The results of this study indicate that the public's understanding of the services and products of Islamic banks in the interest of saving in Seri Tanjung Village, it can be concluded that people only know what Islamic banks are, but besides that, many people still do not understand Islamic banks. it in depth both in terms of services and products that exist in Islamic banks. So that people are less interested in saving in Islamic banks.
IMPLEMENTASI AKAD PEMBIAYAAN DI KSPPS BMT AL-ITTIFAQIAH INDRALAYA DALAM TINJAUAN FATWA DEWAN SYARIAH NASIONAL Ahmadan, Darsi; Novayanti, Melinda
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 01 (2022): Desember 2022
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i01.225

Abstract

This research was conducted to find out how the implementation of murabahah and ijarah financing contracts at BMT al-ittifaqiah and their suitability with the fatwa of the national sharia council (DSN). The research method in this study is a qualitative method. The data in this study used primary data through interviews and secondary data through literature studies. The data analysis technique used is data reduction to summarize data from the field and data display for data presentation. The results in the study stated that: (1) Implementation of muraba̩hah and ijarah contracts at BMT Al-Ittifaqiah Indralaya Ogan Ilir South Sumatra has implemented product operational standards that have been regulated by OJK in the established regulations, and (2) Implementation of muraba̩hah and ijarah contracts at BMT Al -Ittifaqiah Indralaya Ogan Ilir South Sumatra has complied with the DSN-MUI fatwa NO.04/DSN-MUI/IV/2000 regarding murabah̩ah and DSN-MUI fatwa NO09/DSN-MUI/VI/2000 concerning ijarah contracts, looking at the mechanism of the procedure for implementing the contract at BMT Al-Ittifaqiah Indralaya Ogan Ilir, South Sumatra.
PENGARUH PRODUK DOMESTIK REGIONAL BRUTO DAN JUMLAH PENDUDUK TERHADAP KEMISKINAN DI KOTA PRABUMULIH Putri, Rika Rahmadina; Ilyas, Mudzakir; Rohman, Taufik
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 01 (2022): Desember 2022
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i01.226

Abstract

This study aims to analyze the effect of Gross Regional Domestic Product (GRDP) and population on the poverty rate in Prabumulih City. The research data used is secondary time-series data for the period 2010-2021 obtained from the publication of the Prabumulih City Statistics Center (BPS). The regression model in this study is multiple linear regression analysis method and processed with the help of Statistical Package for the Social Sciences (SPSS) software. The results showed that GRDP and population together (simultaneously) had a significant effect on the poverty rate in Prabumulih City. Partially, GRDP has a negative and significant effect on the poverty rate, while population has a positive and insignificant effect on the poverty rate in Prabumulih City.

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