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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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FACTORS OF INVESTOR BEHAVIOR IN SHARIA STOCK: A THEORY OF PLANNED BEHAVIOR PERSPECTIVE Priantinah, Denies; Dewanti, Patriani Wahyu; Novitasari, Budi Tiara; Sari, Ratna Candra
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 2 (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.v11i2.17332

Abstract

This study aims to investigate the impact of attitude factors on behavior through investor intentions, subjective norms, behavior, religiosity, religious events, behavioral control, and profit maximization. These factors were analyzed for their influence on investment behavior in Islamic stocks mediated by investor intentions. This research is a type of quantitative research using primary data. The data collection is carried out on respondents with stock accounts for transactions. This research included 42 participants who are investors actively engaged in trading stocks on the Indonesia Stock Exchange and possess a stock account. The selection of investor respondents is expected to reflect accurate decisions in the investment decision-making process. Data was obtained through a research instrument in the form of a questionnaire designed to accommodate the variables to be studied—data analysis using PLS with Structural Equation Analysis (SEM). The results show that subjective norms, religious factors, religious holidays, and profit maximization separately influence investor behavior through investor intentions. Also, this study found that personal criteria do not affect investor intentions, and behavioral control influences investor behavior. This study contributes theoretical implications to augment the literature on investor behavior in Shariah-compliant stocks. Furthermore, it provides practical implications as insights to aid investors in making decisions regarding Sharia-compliant stocks
COINTEGRATION AND CONTAGION EFFECT CONVENTIONAL AND SHARIA STOCK INDICES DURING COVID-19 Novianti, Diah; Amalia, Feby Ayu
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 2 (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.v11i2.21238

Abstract

The COVID-19 pandemic has also affected stock price movement all over the world, along with the changes in the economic sector. Many studies have tried to reveal the integration of stock indices worldwide, but little show the Sharia Indices’ movement due to the COVID-19 pandemic. This study analyzes the cointegration and contagion effect during the pandemic on Conventional and Sharia stock indices in Asia Pacific, China, Malaysia, and Indonesia. This study explores the difference between Sharia and Conventional indices during the COVID-19 pandemic. VAR (Vector Auto-Regressive) and VECM (Vector Error Correction Model) were used to analyze the hypothesis with E-Views 12. The data used in this study was the closing date from each index from 1 July 2018 to 30 June 2022. This study showed no cointegration effect between Sharia indices during the pandemic, but there was a cointegration effect on Conventional indices. During the pandemic, there was a contagion effect on both Shariah and Conventional indices. The results of this study are expected to be a reference basis for promoting the Sharia Stock Market because it is more proven in dealing with crises than the Conventional Stock Market.
ZAKAH OF AGRICULTURE: FACTORS INFLUENCING FARMERS’ BEHAVIORAL INTENTION TO PAY Fajriyah, Anisa Nuril; Rahmayati, Anim
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 2 (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.v11i2.21425

Abstract

Islam presents zakah in two types: zakah nafs (soul) and zakah maal (wealth). There are many studies for zakah maal; one is zakah of agriculture. Sidoharjo is the district in Sragen that had 9.093 hectares for harvesting area in 2019 and produced 58.802 tons of fresh rice grains in the same year. This study aims to determine the factors that influence the behavioral intention of farmers to pay zakah for agriculture in the district of Sidoharjo. This quantitative research uses 100 respondents who fit the criteria as a sample. Data were collected through the questionnaires distributed directly to farmers, and the analysis method used multiple linear regression analysis. The results showed that subjective norms affect the behavioral intention of farmers to pay zakah for agriculture. Meanwhile, attitudes and understanding have yet to be shown to influence the behavioral intention of farmers to pay zakah for agriculture. This research implies that subjective norms have influenced farmers to pay zakah agriculture. Considering that humans are social beings, this factor can provide a positive signal to increase the application of zakah agriculture for the welfare of others. Future research can perform other variables to find the entire model to increase the power of zakah in the agricultural sector. Educating the farmer and establishing the community to assist the farmer in paying zakah can be the practical implication of this research.
BUILDING A CUSTOMER BENEFIT MODEL DRIVEN BY CUSTOMER SATISFACTION AND CUSTOMER LOYALTY BASED ON DIGITAL EXPERIENCE Abdillah, Luthfi; Asnawi, Nur; Yuliana, Indah
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): 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.v12i1.25431

Abstract

Intense competition in the banking industry drives Islamic banks to offer digital services, boosting their performance and competitiveness. Digitization requires evaluation to measure the expected level of success. This study aims to assess the success of digital banking services in Islamic banks, considering not only financial gains, but also Maqashid Shariah-based indicators. Using the information system success model theory approach, the research began with an evaluation of the dimensions of the digital Shariah bank experience. Subsequently, we examined their influence on customer loyalty and customer satisfaction, as well as the impact of customer loyalty and customer satisfaction on customer benefit, based on Maqashid Shariah. Using a quantitative approach with purposive sampling techniques, data were collected using a questionnaire. Responses from 443 respondents were analyzed using PLS-SEM. The study indicates that the success of digitization can be measured by customer satisfaction and loyalty, based on factors such as service quality, convenience, security, trust, innovation, value, and Sharia compliance, all aligned with Maqashid Shariah principles. Customer loyalty outweighs satisfaction with driving benefits. Hence, enhancing the digital Shariah bank experience is prioritized for successful Sharia digital banking, aiming at sustainable benefits.
INTERPRETIVE STUDY: THE MEANING OF RAHN GOLD ACCOUNTING PRACTICE IN THE PERSPECTIVE OF IMAM BUKHARI AND MUSLIM HADITH Wahidahwati, Wahidahwati; Agustin, Yuliana; Handayani, Nur; Muhammad, Mazlina
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 2 (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.v11i2.22444

Abstract

This research aims to determine the accounting treatment of Sharia gold pawn products at Sharia Pegadaian, which is measured by the hadith perspective of Imam Al-Bukhari. Furthermore, those used as references include the story of Armor, rides or vehicles, and the story of the Ansar men. The research method used in this research is a case study approach. The case study focuses on the accounting treatment of gold Rahn transactions from the beginning of the contract to the end of the contract. The research results show that the contracts used in Sharia Pawnshops use Rahn contracts, qardh contracts, and ijarah contracts. However, in practice, several things are not under Imam Al-Bukhari's hadith, namely loans for qardh financing, the determination of administrative costs based on the size of the loan, the classification of ijarah discount rates as a percentage, and the combination of qardh and ijarah contracts. The practices following Imam Al-Bukhari's hadith are the ijarah fee system, full payment, and auction. It is recommended that in qardh financing, the customer (rahin) be given a loan of more than 95% of the value of the gold at that time. The costs incurred by the customer must calculate Sharia pawnshop administration costs. Ijarah discounts should not be measured as a percentage, and they must be measured in nominal terms to avoid speculation. Furthermore, customers must receive justice if they borrow some funds so that they do not use two contracts in one transaction.
CUSTOMER LOYALTY IN INDONESIAN SHARIA BANKS: INTEGRATING FINANCIAL ASPECTS, FINTECH APPLICATIONS, AND THE CARTER MODEL Muhammad, Helmi; Sari, Niki Puspita
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): 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.v12i1.23687

Abstract

As a competitive strategy, Bank Syariah Indonesia (BSI) is interested in emphasizing service quality, with a focus on customer loyalty and referral. The CARTER model is becoming increasingly popular among researchers as a tool for evaluating the quality of services provided by Islamic banks. This study seeks to investigate the effects of financial aspects, FinTech use, and CARTER model dimensions on BSI customer loyalty. The study included all customers of BSI Malang across three areas: Malang City, Batu City, and Malang Regency, with a sample size of 100 respondents. The data were analyzed using multiple linear regression. The findings indicate that the financial aspects, FinTech use, and CARTER model dimensions have a significant effect on BSI customer loyalty. Compliance (adherence to Sharia principles) was the most important factor in the CARTER dimension, followed by assurance, reliability, empathy, and responsiveness. Although the financial aspects and tangibility are considered part of the service quality dimension, they do not significantly contribute to BSI customer loyalty. In addition to cultivating technical skills in its workforce, BSI relies on the practical implications of Sharia compliance to enhance its competitive strategy.
MEDIATING ROLE OF TRUST ON VISIT INTENTION: MUSLIM FRIENDLY TOURISM IN TANA TORAJA Fasiha, Fasiha; Hamida, Ambas; Jabani, Muzzayanah; Rusli, Muhammad
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): 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.v12i1.23640

Abstract

This study evaluated the relationship between attitudes, subjective norms and perceived behavior control by using visit intention as a moderating variable and trust as a mediating variable. This study used quantitative research. The population in this study were Muslim tourists who visited tourist attractions in Tana Toraja district. Sampling used a purposive sampling with certain criteria. Data collection techniques used a questionnaire method. Meanwhile, data analysis in this study used SEM PLS. The results showed that a comprehensive trust mediation was found in the perception relationship between behavioral control and visit intention for Muslim-friendly tourism behavior, while in the attitude relationship, subjective norms toward visit intention Muslim-friendly  tourism were found to be partial mediation. In other words, the model proposed to form a fundamental change in the visiting intention pattern of Muslim-friendly tourism for tourists was not running optimally. However, this study still finds it important that trust is able to mediate the relationship between perceptions of behavior control and visit intention in Muslim-friendly tourism. This research had two contributions, namely empirical evidence and policy. The results of this study were additional literature related to evidence of the development of the Muslim-friendly tourism trust on visit intention model. In addition, the results of this study helped the tourism agency achieve  sustainable development
SHARIA GOVERNANCE IN ISLAMIC FINANCIAL INSTITUTIONS: A COMPARATIVE REVIEW OF MALAYSIA AND INDONESIA Faizi, Faizi; Bin Shuib, Mohd Sollehudin
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): 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.v12i1.25135

Abstract

As important participants in Sharia governance, Malaysia and Indonesia emphasize the importance of a Sharia supervisory board at the institutional level to ensure compliance with Islamic principles. This study provides a comparative analysis of Sharia governance practices in Indonesia and Malaysia, focusing on the key differences and similarities between the Sharia governance frameworks in Malaysia and Indonesia. The method adopted in this study was document research. This method allows researchers to access a wide range of information and perspectives from various sources such as books, academic journals, government reports, and online databases. The findings reveal that both Malaysia and Indonesia have implemented Sharia governance frameworks in their Islamic financial institutions. However, their structures and regulatory frameworks differ from each other. Malaysia follows a two-tier structure with a comprehensive framework, whereas Indonesia follows a decentralized model with dispersed regulations. Both countries require the establishment of a Sharia committee at the institutional level to ensure compliance with the Sharia principles. Therefore, this comparative analysis enhances the understanding of Sharia governance in Islamic banking and finance, shedding light on the strengths and weaknesses of Malaysia and Indonesia's frameworks
SHARIA MICROFINANCE MODELS: A GRAMEEN BANK APPROACH FOR SUSTAINABLE CONSTRUCTION AND WELFARE ENHANCEMENT Terminanto, Ade Ananto; Hamid, Abdul; Amalia, Euis
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): 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.v12i1.23722

Abstract

This research aims to build a model for strengthening Sharia microfinance through an adapted Grameen Bank replica based on the pillars of leadership, collaboration, spirituality, and women's freedom. This research used a quantitative method to analyze a Grameen Bank replica or build a model for strengthening Sharia microfinance. It provides an early description of the model's independent and dependent variables using Path Investigation and Structural Equation Modeling (SEM). Data were gathered through participatory observation methods, interview techniques, and the distribution of SEM questionnaires to MFI managers and beneficiary customers. The findings indicate a link between the influence of the Grameen Bank-based Islamic Microfinance Institution system on partners in terms of leadership, cooperation, economy, community, and spirituality, as well as alternative strategies for strengthening Grameen Bank-based MFIs in improving the welfare of women's microbusiness groups. This research encourages more attention and implementation of Islamic microfinance models in an effort to improve social and economic welfare, especially among vulnerable groups such as women micro-entrepreneurs.
DECENTRALIZED ISLAMIC FINANCE: HARNESSING BLOCKCHAIN TECHNOLOGY Supriadi, Iman; Maghfiroh, Rahma Ulfa; Abadi, Rukhul
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): 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.v12i1.23333

Abstract

This study aims to understand how blockchain technology can be used to build a decentralized Islamic financial system. The method used in this research is literature analysis, which is further validated by case studies. The data analysis process was conducted using Systematic Literature Review (SLR) methodology. The main data sources were scientific publications, academic journals, books, and other reputable materials relevant to the research problem.  The results of this study show that Blockchain Technology has the potential to reduce the dangers of corruption, money laundering, and illicit activities in the Islamic financial system. Moreover, the use of blockchain technology in decentralized finance ensures equitable access to participation in the financial ecosystem, thereby promoting the inclusion of minority populations. The challenges in implementing blockchain technology within the context of Islamic banking are also highlighted in this study. The contribution and implementation of this research are expected to offer insights into the potential of blockchain technology in constructing a decentralized Islamic financial system, guiding practitioners and academics toward innovative and sustainable solutions in Islamic finance

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