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INDONESIA
El Dinar
Published by Universitas Islam Negeri Maulana Malik Ibrahim Malang
ISSN : -     EISSN : 26220083     DOI : -
Core Subject : Education,
Other
Adalah jurnal berkala peer-reviewed yang diterbitkan biannually atau setahun dua kali oleh Jurusan Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang. EL DINAR merupakan sarana komunikasi yang diperuntukkan bagi para peneliti, akademisi, maupun praktisi dalam bidang keuangan dan perbankan syariah. Demi mewujudkan kontribusi bagi pengembangan ilmu keuangan dan perbankan syariah, dewan redaksi mengundang para pemerhati untuk dapat berpartisipasi dalam menyumbangkan karya ilmiah berupa jurnal-jurnal penelitian
Arjuna Subject : -
Articles 154 Documents
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ARE ISLAMIC BANKS STILL SOUND AMIDST PANDEMIC? Clarashinta Canggih; Fira Nurafini; Sri Abidah Suryaningsih; Khusnul Fikriyah; Rachma Indrarini; Fitriah Dwi Susilowati
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.17256

Abstract

The paper aims to check whether Islamic banks in Indonesia remain sound amid the Covid-19 Pandemic by comparing the soundness levels of Islamic commercial banks before and during the Covid-19 Pandemic. This research used a quantitative approach with the non-parametric Wilcoxon Signed-Rank Test to compare bank soundness before and during the Covid-19 Pandemic. The bank's resilience was measured using the Risk-Based Bank Rating (RBBR), e.g., Non-Performing Finance (NPF), Finance to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Net Operating Margin (NOM). The study exempted aspects of Good Corporate Governance since it is qualitative. The study used quarterly data in 2018-2019 (before the pandemic) and 2020-2021 (during the pandemic). The results showed a significant difference between CAR before and during the Covid-19 Pandemic. Meanwhile, NPF, FDR, ROA, and NOM showed no significant differences before and during the Covid-19 Pandemic. Based on the results, it can be concluded that the Covid-19 Pandemic generally does not affect the Islamic banks' soundness level, except for capital. It showed that the Islamic Bank proved to be resilient against crises. The study adds literature on the resilience of Islamic banks, particularly during the Covid-19 Pandemic, and validates the RBBR measurement to analyze the bank's soundness. In addition, the results of this study are also expected to be a consideration for policymakers to design the right policies for optimizing Islamic banks to thrive and support post-pandemic recovery.
INNOVATION AND ISLAMIC FINANCIAL FATWA IMPROVING AGRICULTURAL PRODUCTIVITY Umrotul Khasanah
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.17434

Abstract

The Islamic financial system and its innovations can stimulate agricultural productivity and provide welfare for farmers. This study aims to: (1) reveal the views of farmers about innovation and the fatwa of ulama, (2) farmers' opinions on the Islamic financial system, and (3) farmers' statements about the traditional Islamic financial system in increasing productivity. The research uses a descriptive qualitative case study method with a Giddens structuration approach. This research is concerned with meaning, context, and emic perspective. Data analysis by analyzing important statements, formulating, describing, and reducing data to findings, propositions, and conclusions. Data collection and analysis were carried out simultaneously, prioritizing observation and interviews and the researcher himself as the main instrument. The research findings show the importance of innovation in Islamic finance. Farmers feel very helped by traditional Islamic financial systems such as partnership, one-third share, and one-half share models. The system can help farmers, both the landowner and land manager. The existence of the traditional Islamic financial system supports the welfare of the farming. Better if Indonesia Islamic financial institutions adopt the system. So that financing for farmers becomes easier and encourages the progress of the agricultural sector in Indonesia.
DO PEER BANKS AFFECT ISLAMIC BANK FINANCIAL LEVERAGE DECISIONS? Titi Dewi Warninda; Ay Maryani
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.17245

Abstract

This research aims to analyze the influence of peer banks on Islamic banks financial leverage decisions. The empirical model was tested using fixed-effect panel data regression with robust standard error and the data of Islamic banks in Indonesia for the years 2007-2020. The results of this study show that peer banks have a significant positive effect on Islamic bank financial leverage decisions, and it is robust during the global financial crisis. The positive impact of peer banks on Islamic bank financial leverage shows that the higher the financial leverage of the peer banks will make the Islamic bank raises its financial leverage. This research contributes to the literature and policymakers on the presence of peer banks effect, especially in Islamic bank financial leverage decisions. Islamic bank financial leverage decisions are not only affected by the circumstances of the Islamic bank itself but are also influenced by other Islamic banks' behavior.
INTERNAL FACTOR ATTRIBUTE IN ISLAMIC BANKS: WHICH ONES CONTRIBUTE TO PROFIT DISTRIBUTION? EVIDENCE FROM MUAMALAT BANK Bambang Iswanto; Sauci Fisa’i Sabna; Irma Yuliani; Misbahul Munir; Muhammad Nur Faaiz Fathah
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.17626

Abstract

Competition between financial institutions will have a positive and negative impact on the development of a bank. In this case, the existence of Bank Muamalat Indonesia as the first pioneer of banks operating with Sharia principles for 30 years needs to be assessed for its financial performance.   This study aims to determine and analyze the effect of the ratio of CAR, ROA, FDR, NPF, and BOPO on Profit Distribution Management at Bank Muamalat Indonesia for the 2014-2021 period. The data used in this study includes data on Bank Muamalat Indonesia's quarterly financial statements from 2014 to 2021. The statistical test method used to analyze data in this study is Multiple Regression Analysis. The results of this study show that the ratio of ROA and FDR has a significant effect on Profit Distribution Management, while the ratio of CAR, NPF, and BOPO does not have a significant effect on Profit Distribution Management. Simultaneously, the ratio of CAR, ROA, FDR, NPF, and BOPO affects Profit Distribution Management. This research has several implications for bank policy regarding the importance of maintaining financial performance ratios and opinions through increasing bank financing disbursements and optimizing Profit Distribution Management.
THE CONTRIBUTION OF ISLAMIC CAPITAL MARKET AND ISLAMIC INSURANCE TO INCLUSIVE ECONOMIC DEVELOPMENT IN INDONESIA Rani Puspitaningrum; Nabila Hermina
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.15973

Abstract

The study aims to identify the contribution of some Islamic financial instruments from Islamic capital markets and Islamic non-bank financial institutions to inclusive economic development in Indonesia. While some studies have examined the contribution of some Islamic financial instruments to a single measure of economic indicators, this study tries to fill the gap in the context of multi indicators to explain economic development, so the authors propose an inclusive economic development index that consists of 21 indicators. This study employed a quantitative research method using secondary data from 2011-2020 from several sources (Financial Service Authority, the Ministry of Finance Republic Indonesia, and the Ministry of National Development Planning (BAPPENAS)). The main variables used are the Jakarta Islamic Index (JII) market capitalization, total outstanding Sukuk, Islamic insurance total claim, and inclusive economic development index. The research data is analyzed using multiple regression linear models. The result found that only the total outstanding Sukuk significantly impacted inclusive economic development. In contrast, the others variables are insignificant.
GOOD CORPORATE GOVERNANCE DISCLOSURES AND FINANCIAL PERFORMANCE: ISLAMIC SOCIAL REPORTING AND ZAKAH DISCLOSURES AS MEDIATING Nanik Wahyuni; Novi Lailiyul Wafiroh
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.20491

Abstract

This study examines the effect of good corporate governance (GCG) disclosure on financial performance proxied by Return on Assets. In addition, this study also aims to examine the mediating role of Islamic social reporting (ISR) disclosure and zakat disclosure on the financial performance of Islamic commercial banks (BUS). As a BUS, there is a responsibility to comply with zakat disclosure, not just ISR disclosure as stipulated rules. The quantitative research method with the selected research sample is all BUS registered on the IDX from 2018 to 2021. Data is processed using AMOS, where test results show that GCG disclosure directly affects ISR and zakat disclosure. ISR disclosure affects financial performance. Zakat disclosure does not affect financial performance. Indirectly, GCG disclosure affects financial performance through ISR disclosure. However, GCG disclosure does not affect financial performance through zakat disclosure. The implications of the results of this study show that GCG disclosure has a significant impact on company management to comply with reporting and disclosing ISR and zakat. This disclosure effort is a way for the company to convey information that the company has obediently carried out the provisions set as a BUS and can provide positive signals to the public to increase trust and impact company profitability.
DETERMINANT OF CONSUMER DECISION ON ISLAMIC BANKING Dian Novita Sari; Siswanto Siswanto; Ikhsan Maksum; Fadlil Abdani; Ryan Basith Fasih Khan; Nora Ria Retnasih; Setiani Setiani; Masyhuri Masyhuri
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.17736

Abstract

This study investigates the determinant of customer decisions in Islamic banks' savings: motivation, promotion, and religiosity. Trust variable as a form of research novelty as a mediation. This study uses a quantitative approach with explanatory research. Using purposive sampling, the sample is 95 Islamic bank customers in Nganjuk City, East Java. Data are analyzed using structural equation modeling with Smartpls software. This research generally describes the factors that can improve customer decisions in opening savings at Islamic banks, such as motivation, promotion, and religiosity. These three factors in this study proved that only direct motivation could improve customer decisions. The result means that the other two factors need a mediating variable in the form of customer trust in Islamic banks regarding the safety of money stored and guarantees free from usury. These findings can be a suggestion for the management of Islamic banks to do promotions more often, meaning that what has been done now is still inferior to conventional banks in promotion.
SOCIAL MEDIA, ISLAMIC FINANCIAL LITERACY, AND ISLAMIC BANKING PRODUCT OWNERSHIP: A MODERATING MODEL Lutfi Lutfi; Vita Prihatiningrum
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.17803

Abstract

The role of social media and Islamic financial literacy is critical in influencing the consumer to have Islamic financial products. However,  no studies on this topic have been conducted in Indonesia. The use of social media by a millennial is snowballing. This study examines the impact of social media, represented by the attractiveness of influencers and social media engagement, on the intention to own Sharia banking investment products among the millennial generation. This study also examines the role of Islamic financial literacy and income as independent and moderating variables. Data is collected using purposive sampling, followed by convenience sampling through a Google form questionnaire distributed to the social media users of Gen Z in the Surabaya agglomeration area. This study used 216 questionnaires and analyzed them using Partial Least Square - Structural Equation Model (PLS-SEM). The results show that influencer attractiveness, social media engagement, and Sharia financial literacy positively influence millennials' ownership intention of Islamic banking investment products. Islamic financial literacy weakens influencer attractiveness's impact on the ownership intention of Islamic banking investment products, while income does not moderate the relationship. Furthermore, social media engagement is most significant in determining product ownership intentions. The practical implication of the findings suggests the importance of Islamic banks to encourage more engagement of their social media users by providing useful information about bank products. This research provides a theoretical contribution to the theory of consumer behavior and social media that using social media is one of the most effective ways of influencing consumer purchasing decisions.
ARE SHARIA FINANCING SCHEMES PROFITABLE? THE CASE OF ISLAMIC RURAL BANKS IN INDONESIA Nur Hidayah; Nur Akhlaqul Karimah
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.19561

Abstract

Some studies find that Profit and Loss Sharing/PLS (mudharabah and musyarakah) and non-PLS (murabahah) financing positively affect Islamic banks' profitability, while other studies have found a negative relationship. This study aims to analyze the effect of PLS and non-PLS financing on the performance of Islamic banks, as proxied by the profitability ratio of ROA (Return on Assets) with the Non-Performing Finance (NPF) as a moderating variable on six Islamic Rural Banks (IRBs) using panel regression and moderated regression analysis. It finds that the PLS and non-PLS financing positively and significantly influence the IRBs' profitability. NPF as a moderating variable has weakened the effect of PLS financing on the IRBs' profitability. Meanwhile, NPF strengthens the effect of non-PLS financing on the IRBs' profitability. PLS financing with NPF can reduce the IRBs' profitability, and non-PLS financing with NPF can increase the IRBs' profitability. These findings explain why murabahah is still the dominant financing in Islamic banks. Islamic banks should strive to achieve their ideal form as a profit-sharing financial intermediary to respond to the criticism that there is no substantial difference between Islamic and conventional banks as both rely on fixed returns in the financing, perceived as similar to riba, prohibited in Islam.
ZAKAT, INFAQ AND SHADAQAH (ZIS) DIGITALIZATION: A CASE STUDY USING TECHNOLOGY ORGANIZATION ENVIRONMENT FRAMEWORK Frank Aligarh; Falikhatun Falikhatun; Arif Nugroho
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.18916

Abstract

Technological disruption has changed the process of collecting zakat, infaq, and shodaqoh (ZIS). These changes can pose both threats and opportunities for ZIS institutions. This study aims to describe the acceptability of ZIS institutional technology from a Technology-Organization-Environment (TOE) perspective. This research is qualitative research with a case study approach. This study uses a data collection method consisting of observation, in-depth interviews, and documentation. Using in-person interviews and via cell phone. The subject of this research is the head of the ZIS institution. The results of the study state that all ZIS institutions have made technological innovations in collecting zakat, infaq, and shodaqoh. The existence of limited human resources and organizations' low acceptance of digital platforms are obstacles to not maximizing digital platforms' use. Strong encouragement from muzakki, government, and digital platform-based ZIS institutions has inspired them to develop technological innovations that suit their needs. This research contributes practically to ZIS institutions that the map of muzakki and donors has begun to change so that technological readiness is the key to the sustainability of ZIS institutions.

Page 12 of 16 | Total Record : 154

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