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Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan最新文献

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POTENSI FINANSIAL TEKNOLOGI SYARIAH DALAM MENJANGKAU PEMBIAYAAN NON-BANK 伊斯兰技术在非银行融资方面的财务潜力
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-12-20 DOI: 10.15548/al-masraf.v4i2.264
Fawzi Bhakti Prestama, Muhammad Iqbal, Selamet Riyadi
{"title":"POTENSI FINANSIAL TEKNOLOGI SYARIAH DALAM MENJANGKAU PEMBIAYAAN NON-BANK","authors":"Fawzi Bhakti Prestama, Muhammad Iqbal, Selamet Riyadi","doi":"10.15548/al-masraf.v4i2.264","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i2.264","url":null,"abstract":"The purpose of this study is to analyze the potential of Crowdfunding and Peer-to-Peer Lending Financial Technology (FinTech) Sharia to reach the non-banking financing. There are four Crowdfunding and Peer-to-Peer Lending FinTech Sharia operators in Indonesia used as the sample. The data used in this study was obtained from direct interview with the FinTech operators and literature study of similar subject. The analysis method used in this study is SWOT analysis. The results of the study which used SWOT analysis model found that the Crowdfunding and Peer-to-Peer Lending FinTech Sharia are not a threat to existing Sharia financial institutions and can also increase the penetration of sharia financial industry in Indonesia because they offer cost efficiency, ease of access, speed of financing distribution, and the low rate of non-performing financing. However, there are still small quantity of FinTech Sharia registered at OJK, no specific regulation for FinTech Sharia and no Sharia Supervision Board in many FinTech Sharia can be obstacles for FinTech Sharia operators","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"74 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129066433","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: 8
ANALISIS PENGETAHUAN DAN KRITERIA PEMILIHAN BANK SYARIAH
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-12-20 DOI: 10.15548/al-masraf.v4i2.265
Anna Sardiana
{"title":"ANALISIS PENGETAHUAN DAN KRITERIA PEMILIHAN BANK SYARIAH","authors":"Anna Sardiana","doi":"10.15548/al-masraf.v4i2.265","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i2.265","url":null,"abstract":"This study aims to analyze the selection criteria considered by students in choosing a Sharia bank; know the level of student knowledge of Islamic banking products; and analyzing consumer attitudes towards Islamic banks. The research subjects were students who used the services of Islamic banks or those who did not use Islamic banks in Jakarta. Data analysis methods are statistical descriptive and factor analysis. The analysis concluded that there were six factors that were considered by students in choosing a Sharia bank, including: perception and process, physical condition, price, human resources, relationships and location factors. Consumer perception is the most influential factor on consumer decisions in choosing a Sharia bank. In general, the majority of respondents have limited knowledge about Islamic banking. Religion is not the main reason for students to choose a Sharia bank. Students consider Sharia bank service friendliness more than other factors","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128898549","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
SISTEM PEMBIAYAAN SOSIAL BERBASIS KOMUNITAS 社区社会融资制度
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-12-20 DOI: 10.15548/al-masraf.v4i2.270
Era Sonita, Ahmad Wira
{"title":"SISTEM PEMBIAYAAN SOSIAL BERBASIS KOMUNITAS","authors":"Era Sonita, Ahmad Wira","doi":"10.15548/al-masraf.v4i2.270","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i2.270","url":null,"abstract":"Islamic cooperative is a financial system based on social and solidarity, where its characteristics are different from other financial institutions. This social financial institution is a set of interdependent relationships between financial and social. This paper explains about how the institutional economy in this case the Islamic cooperative understands the form of interaction between individuals, organizations in establishing mutually supportive relationships. What is the form of sustainability of Islamic cooperative financial institutions through its ability to respond to the needs of its members towards the needs of venture capital without applying interest and profit sharing. In the sense of the word form of work of this Islamic cooperative institution based on the concept of help to help members of the cooperative","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128583166","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
FINANCIAL CONTROL BETWEEN RASHIDUN CALIPHS AND THE LATE 11TH CENTURY 拉希德哈里发之间的金融控制和11世纪晚期
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-12-20 DOI: 10.15548/AL-MASRAF.V4I2.263
Bassem Ismail, Hamidah
{"title":"FINANCIAL CONTROL BETWEEN RASHIDUN CALIPHS AND THE LATE 11TH CENTURY","authors":"Bassem Ismail, Hamidah","doi":"10.15548/AL-MASRAF.V4I2.263","DOIUrl":"https://doi.org/10.15548/AL-MASRAF.V4I2.263","url":null,"abstract":"Many modern concepts of financial control and its types that are now adopted have already existed in the Islamic state from Prophet Muhammad message through the Rashidun Caliphs and then the Umayyad and Abbasid through establishing Baitul Mal. This article try to investigate the concept of financial control and types in Islam and the historical development of financial control in Islam. Also clarify the principles of financial control in Islam. The research based on the descriptive approach through the use of scientific studies which dealt with the subject of research, in addition to the historical approach through the use of historical evidence in the way enhancing the opinions presented by the research in the rooting of its themes from the Islamic point of view. This paper give an attention to the behavioral principle and self-control of individuals when working in different areas of life in general and financial in particular, as they have direct causes of increased efficiency and effectiveness financial control system (FCS).","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"51 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132147189","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
FAKTOR-FAKTOR YANG MEMPENGARUHI PERINGKAT SUKUK (STUDI EMPIRIS PERUSAHAAN YANG DIPERINGKAT FITCH RATING) 影响客户排名的因素(惠誉评级公司的经验研究)
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-12-20 DOI: 10.15548/al-masraf.v4i2.267
Rifqi Muhammad, Cahyaningtyas Tirza Silviani Biyantoro
{"title":"FAKTOR-FAKTOR YANG MEMPENGARUHI PERINGKAT SUKUK (STUDI EMPIRIS PERUSAHAAN YANG DIPERINGKAT FITCH RATING)","authors":"Rifqi Muhammad, Cahyaningtyas Tirza Silviani Biyantoro","doi":"10.15548/al-masraf.v4i2.267","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i2.267","url":null,"abstract":"This study aims to determine the effect of profitability, leverage, firm size, and growth of the company to the sukuk ratings. The main purpose of this rating is to provide information to investors about the state of sukuk issuers and what risks will be borne, so that can be used as consideration of investors in investing. The sample in this research is sukuk issuer company rated by rating agency Fitch Rating period 2013-2016. Samples were chosen using purposive sampling method and 15 companies were selected. Data analysis was done by multiple linear regression model and using SPSS 22.0 software. The results of this study indicate that the profitability and firm size have a positive and significant impact on the rating of sukuk. Leverage has a negative and significant impact on the sukuk rating. While the growth of the company has a positive effect is not significant on the rating of sukuk","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"157 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116396258","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
FORECASTING SAHAM SYARIAH DENGAN MENGGUNAKAN LSTM
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-06-30 DOI: 10.15548/al-masraf.v4i1.235
A. Fauzi
{"title":"FORECASTING SAHAM SYARIAH DENGAN MENGGUNAKAN LSTM","authors":"A. Fauzi","doi":"10.15548/al-masraf.v4i1.235","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.235","url":null,"abstract":"Islamic stocks as one of the many stocks listed on the JCI are a barometer of the Islamic market in Indonesia. One approach in predicting stock prices is by using machine learning. The purpose of this study is to make a model that is used to predict JII shares using the LSTM approach. The data used amounted to 1402 records related to the Jakarta Islamic Index (JII) stock from March 4, 2014 - January 2, 2019. Model making uses 3 Epochs (1, 10 and 20). The results showed the best model was to use 20 Epochs. The increase in Epoch affects the value of MSE and RMSE which are getting smaller. For Epoch 20, the values of MSE and RMSE are ~ 0.00019 and ~ 0.014, respectively.","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"37 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123854983","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: 4
FASILITAS DISKONTO (DISCOUNT WINDOWS) SEBAGAI INSTRUMEN MONETER DITINJAU DALAM PERSPEKTIF EKONOMI ISLAM 非常规货币机构作为货币工具的区别从伊斯兰经济的角度来看
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-06-30 DOI: 10.15548/al-masraf.v4i1.236
Rina El Maza, Egi Putra Setiawan
{"title":"FASILITAS DISKONTO (DISCOUNT WINDOWS) SEBAGAI INSTRUMEN MONETER DITINJAU DALAM PERSPEKTIF EKONOMI ISLAM","authors":"Rina El Maza, Egi Putra Setiawan","doi":"10.15548/al-masraf.v4i1.236","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.236","url":null,"abstract":"The government has an important role in the welfare of the people's economy. One of them is through the role of the central bank by carrying out monetary policy. This policy was adopted by the central bank or Bank Indonesia (BI) through several instruments, including through regulating discount rates for commercial banks. In this case, BI sets the inflation target as a reference for determining interest rates. When the inflation rate exceeds the targeted, BI will raise interest rates which in turn will reduce the credit issued by commercial banks to the public, because commercial banks must pay higher interest rates to the central bank. And the results of the analysis that the interest rate charged in the credit (Lending Facility) discount facility is classified as an act of usury. Meanwhile, the profits obtained from the deposit of funds in the Facility Deposit transaction are not permitted in the Islamic economy, because in the Islamic economy there is no interest rate but profit sharing, given the fixed and concrete interest rates. In addition, the discount facility is also incompatible with some Islamic economic principles, including; the principle of Illahiyah, Justice, and the government.","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"54 32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125766395","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
LITERASI KEUANGAN DALAM PERSPEKTIF MAHASISWA: (STUDI KASUS MAHASISWA FEBI IAIN LHOKSEUMAWE) 从学生的角度来看:(学生案例研究)
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-06-30 DOI: 10.15548/al-masraf.v4i1.233
I. Ismaulina, S. Suryani
{"title":"LITERASI KEUANGAN DALAM PERSPEKTIF MAHASISWA: (STUDI KASUS MAHASISWA FEBI IAIN LHOKSEUMAWE)","authors":"I. Ismaulina, S. Suryani","doi":"10.15548/al-masraf.v4i1.233","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.233","url":null,"abstract":"Every individual wants a happy and prosperous life. To achieve that it takes knowledge of financial literacy in order for someone to avoid financial problems. This study aims to examine how the level of financial literacy students majoring in Islamic economics Faculty of Economics and Business Islam (FEBI) IAIN Lhokseumawe. And whether the level of income affects the management and financial decisions of students of the Department of Sharia Economics FEBI IAIN Lhokseumawe. Respondents studied are students who come from FEBI majoring in Sharia Economics amounted to 100 people. Mean and frequency test were used in this study. The result of the study shows that the average score of financial literacy students of Economics Department of FEBI IAIN Lhokseumawe of 3.27 (65.4%) means that the level of student financial literacy is still far from the optimum or still quite enough, even close to the low category so it should be increased especially related to the knowledge of expenditure, credit, savings and investment. The average student income level lies in the medium/moderate category of 56%. Giving meaning differences in student income levels affect financial management and make the right financial decisions. ","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"95 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123325753","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
SERAPAN LEMBAGA KEUANGAN MIKRO SYARIAH DI SUMATERA BARAT TERHADAP LULUSAN PROGRAM STUDI D.III MANAJEMEN PERBANKAN SYARIAH 伊斯兰微金融机构在西苏门答腊接受伊斯兰银行第三世研究项目的毕业生
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-06-30 DOI: 10.15548/al-masraf.v4i1.237
Testru Hendra, Irsadunas Irsadunas
{"title":"SERAPAN LEMBAGA KEUANGAN MIKRO SYARIAH DI SUMATERA BARAT TERHADAP LULUSAN PROGRAM STUDI D.III MANAJEMEN PERBANKAN SYARIAH","authors":"Testru Hendra, Irsadunas Irsadunas","doi":"10.15548/al-masraf.v4i1.237","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.237","url":null,"abstract":"The purpose of the study was to determine the absorption of Islamic Microfinance Institutions in West Sumatra towards graduates of the study program D.III Islamic Banking Management UIN Imam Bonjol Padang. This type of research is qualitative research, namely research that aims to produce descriptive data about oral and written words, and behavior that can be observed from the people studied. The results of the study are: 1) The percentage of graduates absorbed by Islamic microfinance institutions in West Sumatra is still very small, which is 4.3% of the total number of graduates from 2008-2017 totaling 738 people. 2) The percentage of graduates working at Islamic microfinance institutions in West Sumatra is already good, if seen from the number of tertiary institutions in West Sumatra, which is 11% of the total number of employees of Islamic microfinance institutions in Sumatra in 2008-2017 totaling 262 person.","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115385314","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
KINERJA MANAJER INVESTASI REKSADANA SAHAM SYARIAH DI INDONESIA 伊斯兰投资基金在印尼的表现经理
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Pub Date : 2019-06-30 DOI: 10.15548/al-masraf.v4i1.224
Anita Anita
{"title":"KINERJA MANAJER INVESTASI REKSADANA SAHAM SYARIAH DI INDONESIA","authors":"Anita Anita","doi":"10.15548/al-masraf.v4i1.224","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.224","url":null,"abstract":"The purpose of this study is to test the ability of investment managers in Islamic mutual funds in their ability to conduct stock selection and market timing. The model developed in this study uses the Henriksson-Merton model. With purposive sampling technique obtained a sample of 31 mutual funds. After testing the results obtained, the performance of Islamic stock mutual funds in Indonesia underperformed compared to the ISSI market performance. The stock selection results contribute negatively to α = 5%, while the ability of market timing has a significant positive effect on mutual fund returns.","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131055985","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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