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MALIA: Journal of Islamic Banking and Finance最新文献

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ANALISIS PENGARUH ROA,ROE,BOPO,DAN SUKU BUNGA TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-11-06 DOI: 10.21043/malia.v1i1.3986
Wulandari Nur Cahyani, Syaikhul Falah, R. Wijayanti
{"title":"ANALISIS PENGARUH ROA,ROE,BOPO,DAN SUKU BUNGA TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH","authors":"Wulandari Nur Cahyani, Syaikhul Falah, R. Wijayanti","doi":"10.21043/malia.v1i1.3986","DOIUrl":"https://doi.org/10.21043/malia.v1i1.3986","url":null,"abstract":"This study aimed to analyze the influence of ROA, ROE, BOPO, and the Interest Rate on the rate of profit sharing Mudharabah deposits. The population in this study were allIslamic Banks in Indonesia which consists of 11 Islamic Banks.The selection of the sample in this study is purposive sampling according to the criteria set out which are Islamic Banks that published complete financial statements quarterly of the period 2011-2013. The analytical method used is multiple linear regression analysis to examine the relationship / influence of one variable to another variable. The results showed that ROA, ROE, BOPO, and the interest rate affect the level of profit sharing mudharabah deposits simultaneously. Partially, ROA and interest rate do not affect the level of profit sharing mudharabah deposits which is shown by significant value which is greater than 0. 05. While the ROE variable has significant negative influence and the BOPO has significant positive influence on the rate of profit sharing mudharabah deposits. Keywords:assets,equity,sharing","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130580833","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
ANALISIS SWOT PERKEMBANGAN PERBANKAN SYARIAHDI INDONESIA
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-11-06 DOI: 10.21043/MALIA.V1I1.3981
Amirus Sodiq
{"title":"ANALISIS SWOT PERKEMBANGAN PERBANKAN SYARIAHDI INDONESIA","authors":"Amirus Sodiq","doi":"10.21043/MALIA.V1I1.3981","DOIUrl":"https://doi.org/10.21043/MALIA.V1I1.3981","url":null,"abstract":" This research aims to analyze the development of Islamic banking in Indonesia by SWOT analysis, the research is a qualitative research using secondary data and the result concludes that among the strength of sharia banking is conformity with the principles of sharia, resistant to crisis, has a legal system. While the weaknesses on human resources and technical problems, the opportunity is the increasing awareness of the religious community and knowledge about usury,and the threat is sharia banking can be linked with religious fanaticism and the parties disturbed by the existence of Islamic banks because the source of his income from conventional banking.Keywords:SWOT,awareness,fanaticm,islamic banking","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131407989","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 3
PERMASALAHAN PEMBIAYAAN PADA LEMBAGA KEUANGAN SYARIAH 伊斯兰金融机构融资的问题
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-11-06 DOI: 10.21043/malia.v1i1.3985
Karebet Gunawan
{"title":"PERMASALAHAN PEMBIAYAAN PADA LEMBAGA KEUANGAN SYARIAH","authors":"Karebet Gunawan","doi":"10.21043/malia.v1i1.3985","DOIUrl":"https://doi.org/10.21043/malia.v1i1.3985","url":null,"abstract":"Financing of a Sharia Financial Institution is a financing based on sharia principles with agreement or agreement between the banking party and the beneficiary in return for profit or profit sharing. In the provision of financing, sharia financial institutions pay attention to the aspects that exist in the feasibility study in order to reduce the risk in the future. These aspects are production, marketing, personnel, and financial aspects include how the existing financial statements so that all financing is expected to run smoothly and can meet the level of profitability and liability. In providing financing should be seen 5C principles are: character, capacity, capital, colateral and condition of economy. Even in addition to using the 5C there are also using the first 7P Personality, Purpose, Party,Prospect,Payment,Profitability,Protectiona. Keywords:financing,feasibility,and profitablity","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"169 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115716382","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
BANK SYARIAH DALAM PERSPEKTIF FILOSOFIS,YURIDIS DAN SOSIOLOGIS BANGSA INDONESIA 伊斯兰银行从印尼民族哲学、法学和社会学的角度来看
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-11-06 DOI: 10.21043/malia.v1i1.3980
Ahmad Supriyadi
{"title":"BANK SYARIAH DALAM PERSPEKTIF FILOSOFIS,YURIDIS DAN SOSIOLOGIS BANGSA INDONESIA","authors":"Ahmad Supriyadi","doi":"10.21043/malia.v1i1.3980","DOIUrl":"https://doi.org/10.21043/malia.v1i1.3980","url":null,"abstract":" Islamic bank is a financial institution that is essential for the people of Indonesia as an institution that is able to portray a welfare society with its products when it is implemented consistently. But the understanding of Islamic banks in the community is still in doubt because of Islamic bank same as conventional banks. Improper understanding of it can be explained by the philosophical, juridical and sociological.Islamic banking is a bank in its operations based on Islamic principles both in raising funds and mudaraba wadiah principles; in financing the purchase using the principles of Murabaha, salam and istishna; the issuing bank services products sharia apply the principle of al-wakalah,al-Hiwalah,al-qardh,al-kafalah, and al-Rahn. Three products when viewed legally has implemented of Constitution Number 21 concerning Islamic banking, and in a philosophical perspective in accordance with Pancasila, grand norm Constitution the 1945 and the Quran-Hadith, whereas in sociological perspective these principles have been entrenched in Indonesian society cooperation in agriculture \"maro, mertelu\" in livestock typically \"mertelu\", so it is said that the sociological principles of Sharia have been popular in Indonesia society.Keywords:philosophy,juridical,sociology.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"27 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121857870","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 7
KOMPLEKSITAS MODEL BISNIS ADAPTIF BERBASIS TEKNOLOGI DIGITAL DAN JARINGAN BISNIS INTERNASIONAL 基于数字技术和国际商业网络的适应性商业模型的复杂性
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-11-06 DOI: 10.21043/malia.v1i1.3984
M. H. Mubarok
{"title":"KOMPLEKSITAS MODEL BISNIS ADAPTIF BERBASIS TEKNOLOGI DIGITAL DAN JARINGAN BISNIS INTERNASIONAL","authors":"M. H. Mubarok","doi":"10.21043/malia.v1i1.3984","DOIUrl":"https://doi.org/10.21043/malia.v1i1.3984","url":null,"abstract":"This paper develops a complexity of adaptive business modelson digital technology and international business network towards a sustainable competitive advantage. Furthermore, this paper aims to integrated the concept of adaptive organizational design with complex business models based on digital technology and and international business network. Adaptive organization design should change consistently with changing technological, ecological, economic, social, digital technology and international business networks.Theoretical basis of the concept of business model and relate it to elements of business model, digital technology and international business network. The complexity of adaptive business models based on digital technology emphasizes the importance of building change, international business networks, developing complex and adaptive organizations for innovation in achieving sustainable competitive advantage. Keywords:complexity,adaptive,technology","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131321789","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
PERAN ACCOUNT OFFICER DI LEMBAGA KEUANGAN SYARI’AH (Studi Kasus di BMT Citra Mandiri Syari’ah Jepara) 瑟里财务官的角色
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-11-06 DOI: 10.21043/malia.v1i1.3982
Fuad Riyadi, S. Wahyuni
{"title":"PERAN ACCOUNT OFFICER DI LEMBAGA KEUANGAN SYARI’AH (Studi Kasus di BMT Citra Mandiri Syari’ah Jepara)","authors":"Fuad Riyadi, S. Wahyuni","doi":"10.21043/malia.v1i1.3982","DOIUrl":"https://doi.org/10.21043/malia.v1i1.3982","url":null,"abstract":" Account officer has a very important role. This role will affect the level of profit earned by a financial institution. This is because the handler of transactions that occur between the customer and the Financial Institution is in the hands of the account officer. This study aims to analyze the role of account officer in BMT Citra Mandiri Syariah in Jepara. The research data were collected through interviews with the respondents. The results of this study indicate that the role of account officer especially in BMT Citra Mandiri Syariah Jepara is very important. This role can ultimately affect the level of profit to be gained. This is because the role of account officer who handles transactions between customers with financial institutions, including the process of financing problem settlement. In the long run the role of account officer can affect the level of cutomer loyalty.Keywords:role,account officer,loyalty","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131804209","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
KORELASI RIBA,ZAKAT DAN SHODAQOH DALAM TEORI BATAS MUHAMMAD SYAHRUR
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-11-06 DOI: 10.21043/MALIA.V1I1.3987
A. Hamdani
{"title":"KORELASI RIBA,ZAKAT DAN SHODAQOH DALAM TEORI BATAS MUHAMMAD SYAHRUR","authors":"A. Hamdani","doi":"10.21043/MALIA.V1I1.3987","DOIUrl":"https://doi.org/10.21043/MALIA.V1I1.3987","url":null,"abstract":"Thisarticlewants to expose the thinking of a controversial Syrian thinker,Prof.Ir. Muhammad Syahrur about the correlation of usury, zakah and shodaqoh. The correlation between these three things to explain one of the forms of boundary theory he found. According to Syahrur usury and zakat contained in the theory of the sixth limit is \"the maximum limit (positive) should not be passed and the lower limit (negative) may be passed\". This restriction applies to the transition of wealth between people. These two limits consist of the maximum limit that should not be violated, namely usury and the minimum limit of zakat that can be exceeded. This form exceeds the minimum limit of a variety of alms. These two boundaries are in two regions: positive and negative regions, and midpoints in neutral positions denoted by zero. In practice, the positive maximum limit of usury, the neutral limit of interest-free loans and the minimum limit of negatives in the form of zakat and alms. According to Syahrur usury is divided into two forms that are related to borrowing and borrowing and borrowing. Syahrur argues that usury is the same as bank interest and he justifies bank interest as the modern banking mechanism that has been run for this.After describing Syahrur's thoughts, this paper provides some notes on the important points that need to be discussed further. Keywords:usury,zakah,shodaqoh","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"61 28","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120888862","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
PENGARUH KECUKUPAN MODAL (CAR), EFISIENSI OPERASIONAL (BOPO), DAN KUALITAS PEMBIAYAAN (NPF) TERHADAP PROFITABILITAS (ROA) PADA BANK SYARIAH DI INDONESIA 资本补助(CAR)、经营效率(BOPO)以及印尼伊斯兰银行(ROA)的盈利能力(ROA)融资质量的影响
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-11-06 DOI: 10.21043/malia.v1i1.3988
S. Suhadi, Dewi Inaroh
{"title":"PENGARUH KECUKUPAN MODAL (CAR), EFISIENSI OPERASIONAL (BOPO), DAN KUALITAS PEMBIAYAAN (NPF) TERHADAP PROFITABILITAS (ROA) PADA BANK SYARIAH DI INDONESIA","authors":"S. Suhadi, Dewi Inaroh","doi":"10.21043/malia.v1i1.3988","DOIUrl":"https://doi.org/10.21043/malia.v1i1.3988","url":null,"abstract":"This study aims to determine the effect of Capital Adequacy Ratio (CAR), Operational Efficiency (BOPO), and Financing Quality (NPF), to Profitability (ROA) at Bank Syariah period 2009-2013. The sample in this research is quarterly financial report of 3 Bank Syariah (BRI Syariah,Bank Mandiri Syariah, and Bank Mega Syariah) period 2009-2013. Data analysis used classical assumption test. The result of the research shows that Operational Efficiency (BOPO) has significant effect to Profitability (ROA) with significance level of 0. 000% and tcount of 6, 900. While Capital Adequacy (CAR) and Financing Quality (NPF) did not affect the level of profitability (ROA) with the level of significance of each of 0.322% and 0.666% and t arithmetic respectively of 1,000 and 0. 435. While F test get F count equal to 20, 053 with significance level equal to 0. 000%, this indicates that Capital Adequacy Level (CAR), Operational Efficiency (BOPO), and Financing Quality (NPF), influence to Profitability (ROA). Combined independent variables of this study can explain the variability level of profitability(ROA)of Islamic banks by 49.2%.Keywords: capital,efficiency,profitability","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"30 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127579425","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
PENYELESAIAN SENGKETA PERBANKAN SYARIAH DI INDONESIA
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-11-06 DOI: 10.21043/malia.v1i1.3983
M. Ridwan
{"title":"PENYELESAIAN SENGKETA PERBANKAN SYARIAH DI INDONESIA","authors":"M. Ridwan","doi":"10.21043/malia.v1i1.3983","DOIUrl":"https://doi.org/10.21043/malia.v1i1.3983","url":null,"abstract":"The development of sharia banking and finance institutions is so fast,but in terms of laws and regulatory regulations are still left behind. Among the regulations that still need to be addressed is the regulation related to the settlement of dispute sharia banking business. Where in this case there are still juridical problems, namely the dualism of judicial authority in the settlement of Islamic banking disputes. The result of the study shows that the settlement of Islamic banking dispute in Indonesia can be done through two lines, both litigation and nonlitigation channels. Religious Courts are the competent jurisdiction to resolve Islamic banking disputes on litigation channels, while through non-litigation channels can be done through deliberation, banking mediation, shariah arbitration and judiciary within the General Courts. The National Shariah Arbitration Board (BASYARNAS) is the most strategic forum for resolving the dispute over sharia banking because BASYARNAS can resolve disputes quickly, simply, and at a low cost. Keywords:sharia,dispute,jurisdiction,litigation","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128532489","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
PENILAIAN KINERJA SOSIAL BERBASIS MAQASID SYARIAH PADA BANK UMUM SYARIAH HASIL KONVERSI DI INDONESIA 基于MAQASID教法的社会绩效评估在印度尼西亚的伊斯兰公立银行进行了转换
MALIA: Journal of Islamic Banking and Finance Pub Date : 2018-06-01 DOI: 10.21043/malia.v2i1.4757
Siti Amaroh
{"title":"PENILAIAN KINERJA SOSIAL BERBASIS MAQASID SYARIAH PADA BANK UMUM SYARIAH HASIL KONVERSI DI INDONESIA","authors":"Siti Amaroh","doi":"10.21043/malia.v2i1.4757","DOIUrl":"https://doi.org/10.21043/malia.v2i1.4757","url":null,"abstract":"This paper aims to evaluate the social performance based on maqasid shariah of Islamic banks from conversion mode in Indonesia during the period 20142017. The data was obtained from Islamic banks’ annual report that was validated by Bank Indonesia and Financial Services Authority. Maqasid shariah model in this study was developed by Abdul Majid Najjar with used 4 objectives and 8 dimensions and then referred by some researchers with some elements and measurements. This research is using 23 elements and derived into 19 ratios and 46 statements to determine scores of each objectives. The result showed several findings. Bank Panin Syariah achieved the highest scores of safeguarding human value (1st objective) during the period 2015-2017. Bank Central Asia Syariah reached the highest scores of safageuarding human self (2nd objective) during the period 2015-2017. Bank Mega Syariah Indonesia attained the highest scores of safeguarding for society (3rd objective) during the period 2014-2017. Bank Syariah Mandiri gained the highest score of safeguarding physical environment (4th objective) for the period 2014, 2016, and 2017. The highest total score for the overall objective is achieved by Bank Mega Syariah Indonesia during the period 2015-2017.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"30 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134329629","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
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