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Husni Shabri
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Al-bank: Journal of Islamic Banking and Finance
Published by Universitas Islam Negeri Mahmud Yunus Batusangkar
ISSN : 27979466     EISSN : 27978265     DOI : http://dx.doi.org/10.31958/ab.v1i1
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Al-Bank: Journal of Islamic Banking and Finance is a journal that publishes research results related to the themes of Islamic Banking and Finance. It also provides an important role in promoting the process of knowledge, values and skills. Scientific texts that discuss the topics of Islamic Banking and Finance are highly expected to be presented. This journal warmly welcomes the contributions of scientists and experts in the fields of Islamic Banking and Finance to submit research articles that had never been published in other media or journals. Al-Bank is published twice a year, in January and July . The editorial team received the research article, typed 1.15 cm in space on A4 paper, double column, 12-20 pages long or 4000 to 7000 words. Every article published has gone through a peer-review process to maintain the quality of the publication. The scope of the albank journal accepts articles in the field of Islamic banking and finance which include: Funding dan Financing Islamic Banking, Sharia Financial Technology, Asset and Liability Management Islamic Banking, Islamic Bank Treasury Management, Islamic Bank Liquidity Management, Islamic Bank Capital Structure, Islamic Bank Fund Management, Islamic Bank Risk Management, Islamic Bank Marketing Management, Sharia Bank Operational Management, Foreign Exchange Management, Measuring the Health of Islamic Banks, Sharia Banking Regulation, Central Bank, Financial Stability, Sharia Bank Performance, Sharia Monetary and Fiscal Policy.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 69 Documents
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Pengaruh Word Of Mouth Terhadap Keputusaan Mahasiswa Himpunan Mahasiswa Kecamatan Bantan Memilih Bank Syariah Nur Azlina; Noratika Noratika
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5348

Abstract

This study aims to determine the effect of word of mouth on the decision of Kecamatan Bantan students to choose Islamic banks. The research method uses a quantitative descriptive approach. The population is all students in the Kecamatan Bantan student association with a total of 157 people. The number of samples is 61 people with the sampling technique used is the random sampling method. The data analysis technique used simple linear regression. The marketing level of word of mouth (X) in the Bantan sub-district student association is included in the high category, namely 76.58%. The decision level (Y) is included in the high category, namely 80.20%. The results showed that the word of mouth variable had an effect on students' decisions to choose Islamic banks. The results of the study can be considered by Islamic banks in making policies.
Profitabilitas PT BCA Syariah : Analisis Determinan Dana Pihak Ketiga, Modal Dan Financing To Deposit Rasio Husni Shabri; Anggia Nofasari
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5507

Abstract

This study aims to analyze the effect of Third Party Funds and Capital on the Net Profit of PT BCA Syariah for the period 2011-2020 with the Financing to Deposit Ratio as the Intervening variable. This type of research is quantitative research with quantitative descriptive methods. Data collection techniques using documentation with secondary data sources in the form of quarterly financial statements of PT BCA Syariah. The data analysis technique used path analysis which was processed with SPSS 26 software. The results showed that Third Party Funds directly had a significant influence on the Net Profit of PT BCA Syariah. Likewise, capital directly has a significant effect on Net Profit. Third Party Funds and Capital indirectly through the Financing to Deposit Ratio have no effect on the Net Profit of PT BCA Syariah for the 2011-2020 period. This research can be an input for PT BCA Syariah in making policies related to increasing company profitability  
Hubungan Risk Profile Dengan Kinerja Keuangan Bank Panin Dubai Syariah 2016-2020 Firdaus Firdaus; Imam Fakhruddin; Jamiah Jamiah; Fitri Saphira; Sahyu Safhira; Saifullah Saifullah
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5453

Abstract

This research was conducted to examine the correlate of Risk Profile (Non Performing Financing (NPF) and Financing Deposite Ratio (FDR) to Return on Asset (ROA).This research uses quantitatif method. The population of this research is the financial report Panin Dubai Syariah bank period 2016 through 2020. Sensus sampling method were used as samples determining, whre all the population is sampled. Analysis method with correlation pearson. The result of the research is Non Performing Financing/NPF has negative correlated and significant with Return on Asset (ROA) and Financing Deposite Ratio (FDR) has negative correlated and significant with Return on Asset (ROA). The implication of this research is that the poor NPF and FDR of Panin Dubai Syariah Bank have an impact on the company's ability to generate profits. High NPF and FDR lead to a decrease in ROA. For this reason, Panin Dubai Syariah Bank needs to maintain NPF and FDR in accordance with the minimum standards set by Bank Indonesia
Analisis Minat Menabung di Bank Syariah Pada Santri Pondok Pesantren Attaqwa Pusat Putri Bekasi Kholidatul Fikriyah; Rafika Rahmawati
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5443

Abstract

This study aims to determine the saving interest of the students of the Attaqwa Islamic Boarding School at the center of the Putri Bekasi. The data used are primary data and secondary data, carried out using questionnaires, books and journals and the type of sampling using purposive sampling method. The sample in this study was the students of the Attaqwa Islamic Boarding School at the center of the Putri Bekasi, which amounted to 177 respondents. The results showed that the results of the F test with a simultaneous test had a significant positive effect, namely the interest in saving at the Attaqwa Islamic boarding school at the center of the Putri Bekasi was jointly influenced by promotion, religiosity and knowledge. And the results of the partial test of the variables of promotion, religiosity and knowledge have a significant positive effect on the saving interest of the students of the Attaqwa Islamic Boarding School in the center of the Putri Bekasi.
Preferensi dan Perilaku Tokoh Masyarakat terhadap Perbankan Syariah di Kecamatan Sungai Pagu Kabupaten Solok Selatan Ariyun Anisah; Rika Widianita; Khadijah Nurani
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i2.3805

Abstract

The development of Islamic banking in the Sungai Pagu sub-district of South Solok Regency  in terms of network operations, where the Bank Syariah Services Unit in Nagari Muaralabuh is the only Islamic banking institution operating in this area. The problem in this study is: What are the preferences and behavior of community leaders on Islamic banking in Sungai Pagu District.With the aim of knowing the preferences and behavior of community figures on Islamic banking in Sungai Pagu district, South Solok Regency. This research is a field study with a qualitative descriptive approach. Primary data sources are community figure involved  in BAMUS Nagari management of 55 people selected with purposive sampling techniques. Data collection techniques are conducted  through interviews, observations, questionnaires, and documentation. The results revealed the preferences of respondents in the banking sector in Sungai Pagu district, South Solok Regency, with a percentage index above 60%, but this was not supported by good behavior from correspondents where the score index was below 60%. While the role of respondents in delivering and disseminating Islamic banking to the community is at 60%, meaning that good and community leaders are a medium of socialization and promotion of Islamic banking in this area
Analisis Persiapan PT. Bank Pembiayaan Rakyat Syariah Al Makmur dalam Penerapan Good Corporate Governance Hendra Putra; Zainuddin Zainuddin; Alimin Alimin
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i2.3877

Abstract

The aim is to analyze the preparation of PT. Bank Pembiayaan Rakyat Syariah  Al Makmur in implementing Good Corporate Governance (GCG) in the Awareness Building, GCG Assessment and Manual Building stages. The method used is descriptive qualitative, the data collection technique used by the writer is through interviews and documentation, Data processing was carried out by qualitative analysis then presented the data in a short narrative description, then analyzed and concluded. The Awareness Building stage has been done well, but it must be maximized more by providing education through seminars, workshops and group discussions sustainably. So that, all elements that involved have the same understanding and awareness of the importance of implementing GCG. For the GCG Assessment stage which carried out by the internal company is in accordance, but in determining the priority scale must pay attention to the internal conditions of the company. And for the Manual Building stage (preparation of guidelines) of PT. PT. Bank Pembiayaan Rakyat Syariah Al-Makmur has not completed the GCG
Manajemen Risiko Pada Bank Pembangunan Daerah Jawa Barat dan Banten Tbk Lutfi Alif Tiyani; Diah Febriyanti; Siti Ummi Munawaroh; Ulin Ni’mah
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i2.2660

Abstract

This study aims to identify and analyze risk management in banking, namely risk, operational risk, market risk, liquidity risk, legal risk, compliance risk, yield risk and investment risk. And to analyze the financial ratio reports for the first quarter and second quarter of 2020 at the West Java and Banten (BJB) Tbk development bank. This research uses descriptive quantitative method at PT. West Java and Banten Regional Development Bank Tbk (BJB) Tbk which are listed on the Indonesia Stock Exchange during the period 2018 to 2020. The sample in this study is PT. West Java Regional Development Bank and Banten Tbk (BJB) which are registered on the IDX and are still operating in the 2018-2020 period. Data collection tools in  this study are to use the method of observation on financial data at the bank and internet  research. The results of this study indicate the existence of smooth and bad conditions in management analysis and financial ratio analysis at BJB banks which consist of analysis of CAR, non-performing assets, CKPN, gross NPF, NPF Net, ROA, ROE, NI, NOM, BOPO, and FDR. The results of the overall calculation at PT. West Java Regional Development Bank and Banten Tbk, in the 2018-2020 period experienced an increase and decrease every year.
Pemberian Hadiah Pada PT BPRS Gajahtongga Kotopiliang Kota Sawahlunto Yenni Puspita Sari; Zainuddin Zainuddin
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i2.3307

Abstract

This study examines the prizes given by PT. BPRS Gajahtongga Kotopiliang City of Sawahlunto on savings and financing products. The problem in this research is that the bank's wadi’ah savings product promises to give a gift in the form of a bonus in the form of an increase in the balance and the bank also gives bonuses to customers who pay installments on time in the form of money said at the beginning of the contract. The type of research used is field research with descriptive analytical methods that use economic fiqh theory. The data sources used are primary and secondary data sources, while the data collection techniques used are interviews and documentation. The result of this research is that the gift given by PT BPRS Gajahtongga Kotopiliang in the form of a bonus to customers on the wadi'ah savings product is not yet in accordance with the DSN Fatwa NO: 86 / DSN-MUI / IX / 2012 regarding the prize in raising funds in Islamic Financial Institutions, while the provision of a loan installment bonus if the purpose is to discipline customers in paying their legal debt. However, the system for awarding bonuses is not in accordance with the provisions of prizes at Islamic Financial Institutions
Perbandingan Kinerja Bank Pembiayaan Rakyat Syariah dan Bank Perkreditan Rakyat di Indonesia Aniesatun Nurul Aliefah; Lilis Renfiana
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i2.4262

Abstract

The purpose of this study is to compare the performance of The Conventional Rural Bank (BPR) and Islamic Rural Bank (BPRS) in Indonesia using the REC method which consists of a risk profile, earnings, and capital during the 2015-2017 period. The risk profile factor is represented by the NPF indicator, income is represented by ROA and capital is represented by CAR. By using the purposive sampling method, as many as 43 Islamic Rural Bank (BPRS) and 63 Conventional Rural Bank (BPR) were obtained from secondary data sourced from annual financial reports published on the bank's official website. The analysis technique was then carried out using the Mann-Whitney-U test to compare the performance of the two banks. The results of this study indicate that there is a significant difference in NPF between the two banks at a significance level of 0.006; There is no significant difference in ROA and CAR between Islamic general financing banks and rural credit banks in Indonesia at the ROA significance level of 0.070 and CAR 0.239, respectively. The implication of this research implies that the performance of Islamic BPRs still has a great opportunity to develop in the future and is a big challenge, especially for the management of Indonesian Islamic BPRs and the central bank (Bank Indonesia) as a bank. regulators.
Penyusunan dan Penyajian Laporan Keuangan di Lembaga Keuangan Syariah Himyar Pasrizal; Fajrur Rahmi
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i2.2758

Abstract

The purpose of this study is to provide knowledge on the preparation and position of each item contained in the transaction report on sources and uses of qardhul hasan fund and financial report on sources and zakat fund. The research method in this article is descriptive qualitative research by analyzing the two types of financial statement in islamic financial institution. The result in this study are the source and us of qardhul hasan fund in islamic financial institution sourced from infaq fund, alms, and result from the management of waqf fund and non halal income fund. Meanwile in the financial statement, the sources and uses of zakat fund come from zakat fund obtained from internal parties of islamic financial institution and external parties, namely people who are not customer of islamic financial instutions.

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