{"title":"Methods for Measuring Potential Bankruptcy of Sharia Banking","authors":"Mukminati Ridwan, Gagaring Pagalung, M. Kara","doi":"10.24252/al-mashrafiyah.v6i2.31807","DOIUrl":"https://doi.org/10.24252/al-mashrafiyah.v6i2.31807","url":null,"abstract":"This study aims to examine the methods that can be used to measure bankruptcy in sharia banking. This study is also to examine the potential for bankruptcy which is most effectively used. The method used is descriptive qualitative method with a literature approach. The results showed that of the six bank measurement methods, all of them could not be used to measure bankruptcy in Sharia banking without being modified first. This is because all methods have constituent elements based on interest and taxes. All methods can be used when eliminating the elements of interest and taxes. However, based on the research, it was found that the most widely used method to measure bankruptcy is the Altman Z-Score model, but the Springate S-score is the most effective in detecting the bankruptcy of Sharia banking in Indonesia.","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"88 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80578464","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}
Muhamad Rahman Bayumi, M. Iqbal, M. J. Diem, Muhlis
{"title":"Rekonstruksi Konsep Bisnis Halalan Thayyiban Penguatan Integrasi-Interkoneksi Ekosistem Halal Value Chain","authors":"Muhamad Rahman Bayumi, M. Iqbal, M. J. Diem, Muhlis","doi":"10.24252/al-mashrafiyah.v6i2.28543","DOIUrl":"https://doi.org/10.24252/al-mashrafiyah.v6i2.28543","url":null,"abstract":"Kemajuan ekosistem Halal Value Chain (HVC) tidak lepas dari peran pemerintah dan lembaga formal dan informal lainnya. Dalam ekosistem HVC, setiap organisasi/lembaga berperan penting dalam menciptakan kawasan industri bisnis halalan thayyiban. Salah satu cara untuk mendorong halalisasi dalam mendukung kemajuan ekonomi adalah dengan mengimplementasikannya melalui penguatan Rantai Nilai Halal dalam perekonomian. Tujuan dari makalah ini adalah untuk menawarkan rekonstruksi konsep bisnis Halalan Thayiban dengan memperkuat integrasi dan interkoneksi setiap mata pelajaran dalam ekosistem HVC. Dengan menggunakan pendekatan kualitatif deskriptif, diharapkan dapat memberikan gambaran tentang konsep memajukan ekosistem HVC yang sebenarnya. Hasil analisis ini akan memberikan gambaran jangka panjang tentang pentingnya mempromosikan dan mempercepat HVC dari segi kualitas, bukan kuantitas. Kajian ini akan membahas rekonstruksi konsep bisnis halalan thayyiban dan pentingnya menginisiasi industri ekonomi berbasis etika bisnis Islami. Dengan memberikan gambaran dan analisis upaya percepatan HVC, diharapkan penelitian ini berorientasi pada pembangunan ekonomi jangka panjang. \u0000Kata Kunci: \u0000Rekonstruksi, Halalan Thayyiban, Integrasi dan Interkoneksi, Etika Bisnis Islam","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"46 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73349405","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}
{"title":"Konfigurasi Filantropi Islam Era Digital: Studi Peran Sedekah Pada Aplikasi Media Sosial Youtube","authors":"Nuril Miladi, Ririn Noviyanti","doi":"10.24252/al-mashrafiyah.v6i2.29866","DOIUrl":"https://doi.org/10.24252/al-mashrafiyah.v6i2.29866","url":null,"abstract":"Digitalisasi membawa berbagai fitur baru yang dapat digunakan manusia untuk saling berinteraksi. Meluasnya media sosial kerap kali digunakan sebagai ladang rupiah oleh penggunanya, berbagai cara digunakan untuk dapat memonetisasi konten yang diunggah pada channelnya. Saat ini, YouTube menjadi saluran yang paling banyak dikunjungi. Beberapa kreator berhasil mengembangkan channelnya dengan memadukan filantropi Islam dalam kontennya. Penelitian dilakukan bertujuan untuk mengetahui peran konten filantropi Islam terhadap para komponen konten. Penelitian ini menggunakan metode analisis isi-kualitatif untuk memetakan beragam konten positif yang mengandung filantropi pada YouTube Indonesia. Analisis isi dilakukan dengan melihat konten digital dan dampak yang ditimbulkannya. Hasil dari penelitian ini menunjukan bahwa beramal dengan konten filantropi dapat dijadikan sebagai ladang penghasilan, meringankan ekonomi target pada konten dan berpotensi memperbesar ekosistem filantropi di kehidupan nyata.","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"24 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84597457","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}
{"title":"Pengaruh Inflasi dan Tingkat Suku Bunga Terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah di Indonesia","authors":"S. Sudirman, Fitrianti Fitrianti","doi":"10.24252/al-mashrafiyah.v6i2.31464","DOIUrl":"https://doi.org/10.24252/al-mashrafiyah.v6i2.31464","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui pengaruh tingkat suku bunga dan inflasi terhadap jumlah deposito mudharabah melalui variable tingkat bagi hasil pada bank umum syariah di Indonesia. Penelitian ini didesain dengan menggunakan pendekatan konfirmatori. Data yang digunakan adalah data sekunder, jenis time series selama periode waktu 2011-2020. Penelitian ini menggunakan metode analisis jalur (path analisys) dengan bantuan software versi 26. Hasil penelitian menunjukkan bahwa secara langsung, inflasi berpengaruh positif dan signifikan terhadap jumlah tabungan deposito mudharabah pada bank syariah di Indonesia sebesar -0,462, tingkat suku bunga berpengaruh positif dan signifikan terhadap jumlah tabungan deposito mudharabah pada bank syariah di Indonesia sebesar 0,970, dan tingkat bagi hasil berpengaruh positif dan signifikan terhadap jumlah tabungan deposito mudharabah pada bank syariah di Indonesia sebesar 0,251. Sementara secara tidak langsung, inflasi berpengaruh negatif dan tidak signifikan terhadap jumlah tabungan deposito mudharabah pada bank syariah di Indonesia; tingkat suku bunga berpengaruh positif dan signifikan terhadap jumlah tabungan deposito mudharabah sebesar pada bank syariah di Indonesia.","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"55 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87046059","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}
{"title":"The Impact of Merger Bank Syariah Indonesia Policy on The Work Ethic at BSI Megamas Boulevard Manado","authors":"T. Samad, Zein Muttaqin","doi":"10.24252/al-mashrafiyah.v6i2.32231","DOIUrl":"https://doi.org/10.24252/al-mashrafiyah.v6i2.32231","url":null,"abstract":"The Indonesian Sharia Bank merger policy is a major momentum in the development of Islamic banking and finance in Indonesia. This study aimed to determine the impact of the merger policy of Bank Syariah Indonesia on work ethic. By using qualitative research methods, this study seeks to carefully describe the impact of the merger of Bank Syariah Indonesia on the work ethic of BSI employees in the Megamas Boulevard area of Manado. The findings of this study reveal that BSI's merger policy has a positive impact on several aspects of the 6 out of 8 professional work ethos mentioned by Johnson, Mr. Ethos in Indonesia, namely in the aspect of Work is Trust, Work is Actualization, Work is Art, Work is Honor, Work is a Call, and Work is Service. This certainly indicates that the merger policy carried out by BSI has resulted in increased interest, enthusiasm, and work ethic among employees at BSI Megamas Boulevard Manado. The other 2 ethos, namely Work is Grace and Work is Worship, did not significantly impact changes related to the work ethic of BSI employees. So it can be concluded that the overall merger policy of Bank Syariah Indonesia has a positive impact on the work ethic of BSI employees in Megamas Boulevard Manado.","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"54 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88213123","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}
{"title":"Determinan Risiko Pembiayaan Bagi Hasil Pada Bank Umum Syariah di Indonesia","authors":"Rosmini Ramli, Desmiza","doi":"10.24252/al-mashrafiyah.v6i2.31847","DOIUrl":"https://doi.org/10.24252/al-mashrafiyah.v6i2.31847","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui pengaruh faktor spesifik bank dan makroekonomi terhadap risiko pembiayaan bagi hasil Bank Umum Syariah. Risiko pembiayaan pada kajian sebelumnya lebih fokus pada risiko pembiayaan secara keseluruhan yang melibatkan aspek internal bank dan makroekonomi, baik secara terpisah maupun bersama-sama. Masih terbatas penelitian yang mengkaji pembiayaan secara spesifik baik penggunaan kedua faktor tersebut secara terpisah maupun secara bersama-sama terutama pada risiko pembiayaan bagi hasil. Penelitian ini akan melengkapi literatur tentang masalah tersebut di atas. Penelitian ini menggunakan metode kuantitatif dengan analisis regresi data panel dengan menggunakan data rasio keuangan per kuartal dari Bank Umum Syariah di Indonesia periode 2012-2020. Hasil penelitian menunjukkan bahwa faktor spesifik bank dominan mempengaruhi risiko pembiayaan bagi hasil, sedangkan faktor makroekonomi hanya inflasi yang menunjukkan pengaruh signifikan.","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"59 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88112533","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}
{"title":"Exploration Of Risk Mitigation Practices For Problematic Financing In Bank Wakaf Mikro’s","authors":"Tiara Juliana Jaya, Kurniawati Meylianingrum, Kholilah","doi":"10.24252/al-mashrafiyah.v6i2.31398","DOIUrl":"https://doi.org/10.24252/al-mashrafiyah.v6i2.31398","url":null,"abstract":"Financial technology; The objective of this study is to determine the development of Shariah fintech in Indonesia Maqashid al-shariah from its emergence to the present, to determine the role of Shariah fintech in the perspective of maqashid al-shariah, and to determine obstacles in the development of Shariah fintech. The research method used in this study is descriptive analysis method with a qualitative approach. The researcher performed a literature study to collect data from various sources that support the researcher’s chosen topic, i.e., all sharia fintech registered with OJK and licensed as of December 2020 associated with maqashid al-shariah. In general, Shariah fintech has fulfilled the principles of maqashid al-shariah. However, there are elements that need to be more strengthened. An example is the need for a governing regulation that \u0000separates Shariah fintech from conventional fintech regulation. This is because there are very different crucial elements and principles between these two types of fintech. As a suggestion for the development of Shariah fintech in the future, in addition to strengthening in terms of regulations, intense education related to Shariah fintech products is still needed to the wider community, especially to people who have great potential to become consumers but are not well-educated of new technologyes.","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"83 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83820449","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}
{"title":"Literasi Wakaf, Pendapatan dan Digital Marketing Terhadap Keputusan Wakif Untuk Berwakaf Uang","authors":"Irsyad Ali Amin, Faozan Amar","doi":"10.22236/alurban_vol6/is1pp100-110","DOIUrl":"https://doi.org/10.22236/alurban_vol6/is1pp100-110","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui pengaruh literasi wakaf, pendapatan dan digital marketing terhhadap keputusan wakif untuk berwakaf uang pada wakif di Jakarta Timur. Metode pada penelitian ini menggunakan mettode kuantitatif. Populasi dalam penelitian ini adalah semua wakif yang pernah berwakaf uang, sampel pada penelitian ini adalah wakif berdomisili di Jakarta Timur yang pernah berwakaf, penelitian ini menggunakan metode analisis structural equation modeling (SEM) yang diolah dengan menggunakan software smart partial least square (PLS). Hasil penelitian ini menunjukkan bahwasannya Literasi wakaf berpengaruh positif tidak signifikan terhadap keputusan wakif untuk berwakaf uang, variabel Pendapatan berpengaruh positif signifikan terhadap keputusan wakif untuk berwakaf uang, variabel Digital marketing berpengaruh positif terhadap keputusan wakif untuk berwakaf uang. Hasil analisis statistik deskriptif bahwasannya variabel Keputusan wakif dapat dijelaskan oleh literasi wakaf, pendapatan dan digital marketing sebesar 70% . Namun 30% sisanya dapat diterangkan oleh variabel lain di luar penelitian ini.","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"125 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89057330","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}
Binti Nur Asiyah, Cahyani Islamiah, Christina Ika Ningrum
{"title":"Analisis Equivalent Rate Perbankan Syariah pada Masa Pandemi (Studi pada Bank BNI Syariah)","authors":"Binti Nur Asiyah, Cahyani Islamiah, Christina Ika Ningrum","doi":"10.29300/aij.v8i2.7146","DOIUrl":"https://doi.org/10.29300/aij.v8i2.7146","url":null,"abstract":"This study aims to analyze the mechanism in applying the distribution of profit sharing of third party funds collected using the equivalent rate. The research uses a case study approach and type. To obtain data, researchers used data on the annual and quarterly financial statements of BNI Syariah Bank in 2020, 2019, and 2018 and literature studies in the form of books and research articles. The study results of the Islamic banks' efforts to increase customer interest, one of which is by using profit sharing ratio information in the form of an equivalent level. The strategy of Bank BNI Syariah to present an equivalent level in its Quarterly Financial Statements is the right step to increase customer interest in placing their funds in BNI Syariah banks. Furthermore, this research shows that the Equivalent rate at BNI Syariah Bank in 2020 in its quarterly report tends to decrease in the pandemic era in line with the national and global economic slowdown.","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"17 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90244311","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}
{"title":"Potensi Wisata Halal di Desa Rindu Hati Kabupaten Bengkulu Tengah Menggunakan Pendekatan Porter Five Forces","authors":"Olivia Prisiliko, Fatimah Yunus, Evan Stiawan","doi":"10.29300/aij.v8i2.6370","DOIUrl":"https://doi.org/10.29300/aij.v8i2.6370","url":null,"abstract":"The goal of this research is to figure out how the potential for halal tourism in Rindu Hati Village, Central Bengkulu Regency uses the Porter Five Forces approach. The research used a qualitative technique and was a sort of field research (field research). It may be concluded based on the study's findings that first, tourism in Rindu Hati Village, Rindu Hati Village Tourism has the potential as a halal tourist destination because it has fulfilled several indicators that have been considered, such as available halal food and drinks, prayer rooms, Qibla directions, proper washing places, toilets men and women are separated, there is a prohibition on activities that violate sharia norms to provide comfort for tourists, especially Muslim tourists. Second, Porter Five Forces results that tourism in Rindu Hati Village has good product differentiation, requires large capital to enter, and even competes with facilities that are by halal tourism indicators, bathing places are a threat to substitute products but tourism in Rindu Hati Village still has providing tubing services, the bargaining power of suppliers since the do not have a major influence the relationship is only limited to sellers and buyers without a contract, and there is no bargaining with tourists because it is the final price.","PeriodicalId":32214,"journal":{"name":"Jurnal Masharif alSyariah Jurnal Ekonomi dan Perbankan Syariah","volume":"20 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86777914","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}