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El Dinar
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Core Subject : Education,
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
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Articles 154 Documents
ANALISIS TINGKAT KESEHATAN BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH DENGAN METODE CAMELS DAN RGEC Fortrania, Lotus Mega; Oktaviana, Ulfi Kartika
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 3, No 1 (2015): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (182.434 KB) | DOI: 10.18860/ed.v3i1.3341

Abstract

Banking should always be assessed health to stay fit in serving the customers,the Bank that classified unhealthy can inflict the bank institution itself and ofthe others, namely the customers of the bank. To assess a health bank can beviewed from various aspects of assessment, this research aimed to determinewhether the bank is in a very healthy, healthy, healthy enough, less healthy orunhealthy. There were several methods that can be used to assess or analyzethe health of the banking, namely CAMEL, CAMELS and RGEC. This researchwas a quantitative research, with descriptive approach. The data used wassecondary data on 34 banking companies consisted of 11 companies of Syariapublic banks and 23 companies of Syaria business units. Analysis conductedin this study was to use the calculation of financial ratios that have been set bythe financial services authority. The results showed that the health level ofSyaria public Bank and Syaria Business Unit with using CAMELS method andRGEC showed health predicate of the bank in accordance with the standardsset by Bank Indonesia, for the period 2011 can be concluded that the Syariapublic Banks and Sharia Business Unit of composite rankings ”HEALT”, theperiod of 2012 with the conclusion of composite rating ”HEALT”, and for theperiod of 2013 with the conclusion of composite rating ”HEALT”. RGECmethod can be said to be better than in the two previous methods, namelyCAMELS and CAMEL, through RGEC, BI (Bank Indonesia) wanted banks tobe able to identify problems early, performed the appropriate and faster follow-up improvements, and implemented Good Corporate Governance (GCG) andbetter risk management so banks will be more resilient in the face of crisis
STRES KERJA, PENGARUHNYA TERHADAP KINERJA KARYAWAN DENGAN KEPUASAN KERJA SEBAGAI VARIABEL MEDIASI Adawiyah, Robiatul; Siswanto, Siswanto
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 3, No 1 (2015): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (322.424 KB) | DOI: 10.18860/ed.v3i1.3336

Abstract

The research aims to determine direct effect of work stress on employee perfor-mance, and job satisfaction as a mediating variable. This research was con-ducted at Islamic Banking in Malang. Explanatory research is used. Samplingtechnique used proportional random sampling with path analysis as dataanalysis. Research results showed the effect of work stress on employee perfor-mance was indirectly significant. While, the influence work stress on employeeperformance was not significant
PENGARUH KUALITAS SUMBER DAYA MANUSIA DAN KOMITMEN TUJUAN TERHADAP IMPLEMENTASI ANGGARAN BERBASIS KINERJA DENGAN BUDAYA ORGANISASI SEBAGAI VARIABEL PEMODERASI (Studi pada Satuan Kerja Badan Layanan Umum Perguruan Tinggi di Kota Malang) Sholihah, Ria Anisatus; Rosidi, Rosidi; Purnomosidhi, Bambang
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 3, No 1 (2015): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1182.101 KB) | DOI: 10.18860/ed.v3i1.3338

Abstract

Ria Anisatus Sholihah. 2014. The Influence of the Quality of Human Resourcesand Goal Commitment on the Implementation of Performance Based Budget-ing with Organizational Culture as Moderating Variable. Postgraduate Eco-nomics and Business Faculty of Brawijaya University. Supervisor: Rosidi. Co-Supervisor: Bambang Purnomosidhi. This research aimed to analyze the influ-ence of the quality of human resources and goal commitment on the implemen-tation of performance-based budgeting. In addition, this research aimed toanalyzes the influence of the quality of human resources and goal commitmenton the implementation of performance-based budgeting moderated by organi-zational culture. The results showed that the quality of human resources has apositive effect on the implementation of performance-based budgeting. How-ever, this study did not succeed in proving that goal commitment affects theperformance-based budget implementation. This study also failed to demon-strate empirically that organizational culture can be a moderating variable to influence of the quality of human resources and goal commitment on theimplementation of performance-based budgeting.
PENGARUH FAKTOR INTERNAL DAN EKSTERNAL YANG MEMPEMPENGARUHI PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH DI INDONESIA Firdaus, Rizal Nur
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 3, No 1 (2015): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (603.144 KB) | DOI: 10.18860/ed.v3i1.3339

Abstract

This study aims to answer some questions about the factors that influence theoccurrence of non-performing finanncing at sharia banks in Indonesia. Hypothesistesting is performed by multiple linear regression analysis to determine theeffect of the internal variables (Growth Capital Financing and adequencyRatio) and external variables (Gross Domestic Product, Inflation and ExchangeRate) on the occurrence of non-performing Finanncing (NPF) in Islamic banksin Indonesia. Sources of data in this study came from Bank Indonesia BankIndonesia website. Period examined data starts from March 2008 to December2012 with a 3-month data collection. The study shows that simultaneous eachfactor in the internal and external variables have a significant influence onthe occurrence of NPF at the 5% significance level. But partially, financingvariables, inflation and the exchange rate has no significant effect on theoccurrence of NPF while CAR and GDP variables have a significant influence.
Perdagangan Berjangka Komoditi : Berdzikirlah dengan Physical Delivery Tutuko, Bambang
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 5, No 2 (2017): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (569.192 KB) | DOI: 10.18860/ed.v5i2.5239

Abstract

Commodity Futures Trading in Indonesia is administered by the government under the auspices of the Commodity Futures Trading Supervisory Agency (BAPPEBTI) with the aim of establishing the price of primary commodities (price discovery) and as a hedging facility using futures contracts. However, current futures trading is only a means of speculation caused by its specifications and transaction mechanism.The application of the three principles of dhikr: the principle of harmony, the principle of integrity, and the principle of one on the quest for hedging solutions in commodity futures will lead to trade where the parties who transact share the risk (risk sharing). Risk sharing can only occur if there is a common goal between buyers and sellers to manage risk (the principle of the one-an). The similarity of objectives will result in a commitment between buyers and sellers to perform physical handover backed by regulation to create a liquid market (the principle of harmony), so that the wholeness of trade mechanisms involving market participants, markets, and regulators will be maintained. The integrity of the role of the stakeholders of commodity trading is what will lead to the solution of the hedge without having to separate the risk with its trading activities (principle of wholeness).The "dhikr" hedging is a hedge accompanied by the certainty of ownership transfer through physical delivery of physical commodities. Thus, the hedge is not separate from its real trading activity, because the risk is always attached to the profit-making business activity.
PENGUKURAN KEPUASAN NASABAH TERHADAP IMPLEMENTASI SYARIAH MARKETING PADA PT. BANK SYARIAH MANDIRI CABANG MALANG Hasan, Irmayanti
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 5, No 1 (2017): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (641.369 KB) | DOI: 10.18860/ed.v5i1.5234

Abstract

Competition is increasingly competitive in the development of Islamic bank in Indonesia and policy enforcement office channeling makes the atmosphere seizure of shari'ah loyalists consumers increasingly viscous. The phenomenon of this competition requires marketers to constantly innovate marketing strategies. One step to achieve this is through the implementation of sharia marketing.The approach used in this study is a survey approach and type of research is quantitative. This study used 16 items, then the sample is 80 customers.The results of this study are customers already feel very satisfied with the services of employees of PT. Bank Syariah Mandiri Malang Branch, but the performance of employees of PT. Bank Syariah Mandiri Malang Branch must still be improved. There are several strategies to increase customer satisfaction, there are some things that should be emphasized and some are already well do not need to be prioritized, but still need to be considered by PT. Bank Syariah Mandiri Malang Branch.
OPTIMALISASI WAKAF MARKET MELALUI PENGEMBANGAN GO WAKAF (STUDI PADA MINIMARKET “AL-KHAIBAR” MALANG) Agutian R.S, Egi; Afuw, Hayyu; Nordiana M.A.S, Yulinda
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 5, No 2 (2017): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (315.642 KB) | DOI: 10.18860/ed.v5i2.5235

Abstract

Muslims in Indonesia are the most major element. With a population of 254.9 million, Indonesia is the country with the largest number of Muslims in the world. Based on data from the Central Bureau of Statistics 2015, the number of Muslims in Indonesia is about 87%. But not optimally run the function of the mosque as a central activity of Muslims both in mahdhah worship and ghair mahdhah. In order to realize the function, the potential development of Islamic philanthropy in the mosque becomes the right choice one of them is the development of productive waqf in the form of wakaf market.Wakaf market Al-Khaibar Malang is an access for people to simplify the system of sale and purchase based on the mosque. However, market managed wakaf needs to adjust the current state of digital-based. Therefore, Al-Khaibar market wakaf need to develop vehicle waqf to be the target market expansion. The purpose of this research is Knowing Capital and Development of productive waqf mini market Al-Khaibar and provide innovative development of productive waqf mini market Al-Khaibar.The type of research used in this study is empirical research (field research). data collection methods that researchers use is by interview and documentation and secondary data that other litelatur relevant to the research material. Data analysis method used in this research is descriptive analysis.The results obtained, Minimarket Al-Khaibar has a policy of implementation of productive endowments include the percentage of installment repayment minimal mini capital to be returned and allocation of funds productive endowments. Nadzir reward is intensive alaih. The minimarket manager consists of managers and employees. Employment recruitment is preferred from surrounding communities and people in need of employment, prospective workers register with application letter, following interview selection by manager. Also establishing partners with distributors like Unilever and the location of minimarkets adjacent to the mosque is very strategic in the development effort Go Wakaf. So that the mosque is really central to the activities of Muslims, especially in the field of independent economy.
PATRON CLIENT: KONTRAK SEMI MUDHARABAH DALAM TEORI KEAGENAN DI PERIKANAN LAUT Qurrata, Vika Annisa
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 5, No 1 (2017): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (441.359 KB) | DOI: 10.18860/ed.v5i1.5230

Abstract

This study aims to find out how the skipper (as principal) interact with pandega fishermen (as agents) in creating mudaraba-style contracts in marine fisheries (patron-client). With in-depth interviews, there are two important findings: in general juragandi Blue Water Waters especially in the payang fishermen and the lifeboats impose exploitation fees or operational costs to the pandega fishermen in a shared way. Then there is a bit of aberration in the profit-sharing system, but this institution seems to exist and be a deal that never openly conflicts. Based on the findings and some literature, mudaraba contracts can be a purely alternative financing if it is more just and beneficial to both parties ie the master / shahibul maal as principal and pandega / mudharib as agent. To minimize the possibility of moral hazard and adverse selection on the mudaraba contract, it is advisable to monitor each return of the vessel for the sale of fish and the skipper can place one of the trustees other than the pandega fisherman.
WAKAF SEBAGAI INSTRUMEN KEBIJAKAN PEMERINTAH UNTUK MENGATASI EKSTERNALITAS BARANG PUBLIK (PERSPEKTIF MAQASHID SYARI’AH) Sancoyowati, Figuri
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 5, No 2 (2017): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (437.034 KB) | DOI: 10.18860/ed.v5i2.5236

Abstract

Economic development bring externalities as a consequence of an economic activity in positive and negative side. An externality has beencaused by public goods whichis a goods that consumed by individual and will not effect to other in consumption of it. The issue of public goods is about a freeryder which caused in efficiency in government expenditures. Wakaf as a financial instument in Islam could bean alternatif to gainnationalin come that can solvean externality of public goods.
PENGEMBANGAN PROGRAM PEMBERDAYAAN MASYARAKAT MELALUI LEMBAGA AMIL ZAKAT INFAQ DAN SHODAQOH (ZIS) BERBASIS ENERGI TERBARUKAN DI INDONESIA Trapsila, Aji Purba
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 5, No 1 (2017): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (560.257 KB) | DOI: 10.18860/ed.v5i1.5231

Abstract

Indonesia is known well for having the greatest number of energy in the world, such as the energy of air, wind, biomass, and solar. However, the energy has not been empowered yet by Lembaga Zakat Infaq dan Shodaqoh (ZIS), which is an institution managing zakah, infaq, and, shadaqa in Indonesia. The institution currently empowers only the products of education and economic. Regarding to that fact, this study describes a concept of an empowerment product of renewable energy conducted by Lembaga ZIS through a finance scheme of mudhorobah and musyarokah. To empower the energy, moreover, Lembaga ZIS uses Participatory Rural Appraisal (PRA) so that the energy finance can give either social impacts or economic ones.This study reveals that it needs participation from any parties and particularly support from the government and the state energy enterprise in order to finance the energy for society. Furthermore, this study shows that the scheme of mudhorobah and musyarokah is a scheme that can be used to finance therenewable energy.

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