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BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Fatmawati Sukarno Bengkulu
ISSN : 27274163     EISSN : 2654332X     DOI : 10.29300/ba.v9i1.XXX
Core Subject : Religion, Economy, Education,
Religion Economics, Econometrics & Finance Education Other
This journal is an electronic scientific journal focused on advancing knowledge in the fields of Islamic economics and banking. It publishes research articles, theoretical studies, and practical analyses covering topics such as Islamic finance, Islamic banking, halal investment, macro- and microeconomics based on Sharia principles, as well as economic policies aligned with Islamic law. By presenting high-quality scholarly works, Baabu Ilmi aims to serve as a platform for academic discussion and a valuable reference for researchers, academics, practitioners, and policymakers interested in the development of Islamic economics and banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 9 Documents
 1 
Search results for , issue "Vol 9, No 2 (2024): Islamic economics and banking research" : 9 Documents clear
Analisis Pengaruh Literasi Keuangan Syariah dan Religiusitas terhadap Minat Berinvestasi di Pasar Modal Syariah (Studi Kasus Generasi Z di Kabupaten Pekalongan) Falikhah, Anis Nala; Adinugraha, Hendri Hermawan; Sulthoni, Muhammad
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.5709

Abstract

Although the growth of the Islamic capital market is quite rapid, the level of participation of Generation Z in investing in the Islamic capital market is still relatively low. Factors that are often mentioned as the cause of low interest in investing in the Islamic Capital Market are the level of Sharia Financial Literacy and Religiosity. This study aims to analyse the effect of Sharia Financial Literacy and Religiosity on Gen Z's Investment Interest in the Islamic Capital Market. This research uses quantitative methods, data collected through online surveys using questionnaires distributed to 100 respondents of Gen Z Pekalongan Regency who have an interest in investing in the Islamic Capital Market, data analysis techniques using Multiple Regression Analysis with the help of SPSS 26.0 software. The results of the analysis show that Sharia Financial Literacy and Religiosity have a positive and significant effect on Interest in Investing in the Sharia Capital Market both partially and simultaneously.
Pengaruh Literasi Keuangan, Life Style, dan Locus Of Control Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi Syariah Febi Angkatan 2019 rahmawati, rahmawati; Harjoni, Harjoni; Nola, Sity Lutfia
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.5011

Abstract

This study aims to analyze the effect of financial literacy, Life Style, and Locus Of control on the financial management behavior of FEBI students class of 2019 at IAIN LHOKSEUMAWE. This type of research is quantitative using primary data obtained through distributing questionnaires, the population in this study were students majoring in sharia economics FEBI IAIN LHOKSEUMAWE class of 2019. The sample used in this study was 60 respondents. The data was processed using statistical program for social science (SPSS) software. The results of this study indicate that financial literacy has no significant effect on student financial management behavior. Life Style variables have no effect on student financial management behavior. Locus Of control variables have a significant effect on student financial management behavior and Financial Literacy, Life Style, and Locus Of Control simultaneously affect student financial management behavior.
Analisis Pengaruh Layanan, Keamanan, dan Kemudahan Penggunaan terhadap Minat Mahasiswa Perbankan Syariah STAIN Mandailing Natal Menggunakan E-Walet Aplikasi Dana Ridwan, Muhammad; Khalijah, Siti; Siregar, Erpiana
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.5262

Abstract

This study aims to analyze the influence of Service, Security and Ease of Use on Interest in Using the DANA E-Wallet application. The population of this study were Islamic Banking Students of STAIN Mandailing Natal. The sample used was 99 respondents. The sampling technique for this study used the Purposive Sampling technique. The tool used in this study was SPSS version 20. Based on the results of the SPSS calculation, the Service Feature does not have a positive and significant effect on interest in using. This is evidenced by the t-count value which is smaller than the t table, which is 1.262 <1.661 with a significant value of 0.201> 0.05. While Security has a positive and significant effect on interest in using. This is evidenced by the t-count value of 2.871 which is greater than the t table of 1.661 with a significant value of 0.005 <0.05. And Ease of Use has a positive and significant effect on interest in using. This is evidenced by the calculated t value of 3.507 which is greater than the t table value of 1.661 with a significant value of 0.001 <0.05. Then the results of the study show that Service Features, Security and Ease of Use have a positive and significant effect on interest in using. This is evidenced by the alculated F value of 68.638 which is greater than the F table value of 2.699 with a significant value of 0.000 <0.005.
Pengaruh Penerimaan Dana ZISWAF, BOPO, dan Laba/Rugi Non Operasional terhadap Pendapatan Mudharabah dengan Firm Size Sebagai Variabel Moderasi Pada Perbankan Syariah di Indonesia Tahun 2018-2023 Azkia, Arina; Budianto, Eka Wahyu Hestya
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.4663

Abstract

This study was conducted with the aim of finding the effect of ZISWAF fund revenue, BOPO, and non-operating profit/loss on mudharabah income with firm size as a moderating variable in Islamic banking in Indonesia. This study uses a sample of financial sector companies included in the list of the Indonesia Stock Exchange (IDX) in 2018-2023. With the data contained is secondary data derived from quarterly reports accessed through the relevant company website. The purpose sampling technique was used to sample 115 companies for 5 years. The analysis method used is Panel Data Regression and Moderation Regression Analysis (MRA), all using Eviews 12. The results showed that the receipt of ZISWAF funds can increase mudharabah income due to increased equity and Islamic banking profits. In carrying out its operations, the BOPO variable is used to measure the effectiveness and ability of the bank, which can affect mudharabah income. Non-operating profit/loss can affect mudharabah income positively or negatively. And mudharabah income in Islamic banking in Indonesia can be influenced by firm size variables.
Efektivitas Pendistribusian Dana Zakat Di Inisiatif Zakat Indonesia Perwakilan Bengkulu Dengan Pendekatan Zakat Core Principle Yanto, Muhammad Pebri; Asnaini, Asnaini; Harpepen, Andi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.3963

Abstract

This study aims to find out how zakat funds are distributed and the effectiveness of zakat fund distribution at the  Inisiatif Zakat Indonesia (IZI )Perwakilan Bengkulu. This research is field research using a descriptive qualitative approach. Data collection methods were carried out by conducting interviews, observation and documentation. The data analysis technique uses the Miles and Huberman model, namely data reduction, data presentation/description, and drawing conclusions. The results of the research obtained are first: The distribution of zakat funds at IZI Perwakilan Bengkulu Representative is distributed to all mustahik groups except slaves. The IZI  Perwakilan Bengkulu Representative Program is: education, health, humanity, da'wah and economic sector programs. Second, the effectiveness of distributing zakat funds at the IZI Perwakilan Bengkulu using the Zakat Core Principle (ZCP) is in two categories, namely by calculating the Disbursement Collection Ratio (DCR) and Time Speed. The calculation according to the DCR in 2021 is 64%, in 2022 it is 81%, and in 2023 it is 68% so it is in the effective DCR category. This means that the IZI Perwakilan Bengkulu Representative has distributed effectively both in terms of the DCR ratio and the speed of distribution time which is in the fast category 
Implementasi Teknologi Biometrik Pada Mobile Banking Bank Syariah Indonesia (Studi kasus pada Bank Syariah Indonesia KC Bengkulu S Parman 1) Putriana, Anggita
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.6894

Abstract

This research aims to determine the implementation of biometric technology in Mobile Banking at Bank Syariah Indonesia (case study at Bank Syariah Indonesia KC Bengkulu S Parman 1), as well as to find out what are the benefits of mobile banking in implementing biometric technology. This research uses a qualitative descriptive method, the data sources are primary and secondary data. Data collection techniques include observation, interviews and documentation. The research results show that this research applies biometric technology, especially the use of fingerprints, in the BSI Mobile Bank Syariah Indonesia application. Findings show that this technology increases transaction security and user convenience by reducing the risk of identity theft and fraud and enabling fast and easy access without the need for complex passwords. As well as the benefits of mobile banking with biometric technology at Bank Syariah Indonesia. Fingerprint integration in authentication increases transaction security, ensures fast access, and protects user data. BSI Bank provides education about transaction security. These findings show that the application of biometric technology strengthens user security and comfort in digital banking services, confirming BSI's commitment to innovation and customer satisfaction.
Islamic Banking Performance: Important Insights and Strategies Mubarok, Faizul; Sabrina, Kayla Nur; Muna, Putri Naelul; Maulida, Zahra
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.3891

Abstract

Banks are financial institutions are created for the purpose of aggregating and disbursing funds among the members of the community. Such operation aims at financial equality, and serves the purpose of creating a platform for stimulating economic growth and overall national stability, which is directed toward the community well being. The main objective of this research is to analyze the impacts of Return on Equity and Debt to Equity Ratio, Gross Domestic Product, and Exchange Rate on Return on Equity in the Islamic banking institutions. The research adopts Islamic banking institutions in Indonesia and consists of five Islamic banks as a purposeful sampling method. To conduct the statistical analysis the Random Effect Model is employed. The research analyzes the impact of these selected financial variables: Return on Equity, Debt to Equity Ratio, Gross Domestic Product, and Exchange Rate Impact on Return on Equity. The researcher has concluded that Return on Equity, Debt to Equity Ratio, and Gross Domestic Product have significant impact on the Islamic banks Return on Equity. Exchange Rate on the other hand has no significant impact on the Islamic banks Return on Equity. To sum up this research, this study provides a basis for an understanding of the staticial relationship between ROE, DER, and GDP and ER on Return on Equity in Islamic banks. The understanding of such mechanism is a key premise for creating impact policies, which strategically improve then Islamic banks capabilities to grow and contribute to the country’s wellbeing.
Peran Lingkungan Kerja dan Pembelajaran Organisasi dalam Meningkatkan Keterlibatan Karyawan dengan Berbagi Pengetahuan sebagai Variabel Mediasi Endang Sri D., Lusi; Dassucik, Dassucik; Hafas Rasyidi, Ahmad
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.8941

Abstract

This study investigates the role of work environment and organizational learning in enhancing employee engagement, with knowledge sharing functioning as a mediating variable. Using Structural Equation Modeling (SEM) with Partial Least Squares (PLS), this study examines the direct and indirect effects of work environment (X1), organizational learning (X2), and knowledge sharing (Z) on employee engagement (Y) in the context of FIF Jember, a regional branch of a financial services company. The sample consists of all 156 employees at FIF Jember, selected due to their direct involvement in tasks related to customer service, loan management, and financial compliance. The findings indicate that the work environment and organizational learning significantly influence employee engagement, with path coefficients of 0.187 (P = 0.002) and 0.229 (P = 0.001), respectively. Additionally, knowledge sharing, as a mediating variable, significantly strengthens the effects of the work environment and organizational learning on employee engagement. Knowledge sharing was found to have a positive effect on engagement, with a path coefficient of 0.508 (P = 0.000). This study highlights the importance of creating a supportive work environment that encourages continuous learning opportunities, alongside promoting knowledge sharing, as key strategies for enhancing employee engagement. These findings provide practical insights for organizations seeking to improve employee performance and retention, particularly in dynamic sectors such as financial services.
Peran Dewan Pengawas Syariah terhadap Kepatuhan Syari’ah Pada Lembaga Fintech Syari’ah Hadi, Wildan; Rozalinda, Rozalinda; Bahar, Muchlis; Wira, Ahmad
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.6633

Abstract

This research aims to analyze the role of the Sharia Supervisory Board (DPS) in sharia compliance at sharia fintech institutions in Indonesia and identify the problems that occur. This research uses a library study method with a secondary data analysis approach from various sources such as articles, journals and previous research. The research results show that DPS has a significant role in ensuring sharia compliance through periodic supervision, implementation of DSN-MUI fatwas, and product and service development. However, various challenges were found such as weak special supervision mechanisms for sharia fintech and non-compliance with sharia principles in several institutions such as Investree, Dana Syariah, Peer to Peer Lending Syariah. This research recommends increasing DPS capacity, strengthening regulations, and better collaboration between DPS and relevant authorities to minimize sharia violations in the fintech sector. Thus, this research contributes to strengthening the sharia supervision system and supports the sustainable growth of sharia fintech.

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