Pub Date : 2023-01-20DOI: 10.21043/malia.v6i2.16786
Sofina Mujadiddah, D. Munawaroh, Yuyun Ma’rifatul Inayah
Islamic banks are financial institutions whose operations and products are developed based on the Al-qur’an and Hadith. One of the most important things in banking is profitability. Islamic bank profitability studies are important tools for improving performance, evaluating bank operations and determining management plans to help increase the chances of a bank surviving in a competitive market. Therefore, this study aims to determine the map of research development related to the Profitability of Islamic Banking using the Meta Analysis approach. This research method uses purposive non probability sampling method, using descriptive statistics in the explanation. The data used in this study are 100 international and local journals issued from various accredited journals with the theme of profitability of Islamic banking during the 2010-2020 period. This study experienced an increase and decrease in the number of journals during 2010-2020, and the largest number of authors who discussed the theme of the profitability of Islamic banking were 2 journals. In addition, journals that publish papers on the theme of profitability are the International Journal of Economics and Financial Issues, with a total of 6 papers. During this research, the most widely used method is the quantitative method with the model used is the analysis panel data. During this study, the journal by Dietrich and Wazenried (2011) was the study with the most citation as many as 878.
伊斯兰银行是根据《古兰经》和圣训开发业务和产品的金融机构。银行业最重要的事情之一就是盈利能力。伊斯兰银行盈利能力研究是改善业绩、评估银行业务和确定管理计划的重要工具，有助于增加银行在竞争激烈的市场中生存的机会。因此，本研究旨在利用元分析方法确定与伊斯兰银行盈利能力相关的研究发展地图。本研究方法采用有目的的非概率抽样方法，在解释中采用描述性统计。本研究使用的数据是2010-2020年期间由各种认可期刊发行的100种国际和本地期刊，主题是伊斯兰银行的盈利能力。本研究在2010-2020年期间期刊数量有增有减，讨论伊斯兰银行盈利能力主题的作者最多的是2种期刊。此外，以盈利能力为主题发表论文的期刊有《International Journal of Economics and Financial Issues》，共发表6篇论文。在本研究中，最广泛使用的方法是定量方法，使用的模型是分析面板数据。在本研究中，Dietrich and Wazenried(2011)的期刊是被引用次数最多的研究，高达878次。
{"title":"Meta Analysis of Profitability Islamic Banking Research","authors":"Sofina Mujadiddah, D. Munawaroh, Yuyun Ma’rifatul Inayah","doi":"10.21043/malia.v6i2.16786","DOIUrl":"https://doi.org/10.21043/malia.v6i2.16786","url":null,"abstract":"Islamic banks are financial institutions whose operations and products are developed based on the Al-qur’an and Hadith. One of the most important things in banking is profitability. Islamic bank profitability studies are important tools for improving performance, evaluating bank operations and determining management plans to help increase the chances of a bank surviving in a competitive market. Therefore, this study aims to determine the map of research development related to the Profitability of Islamic Banking using the Meta Analysis approach. This research method uses purposive non probability sampling method, using descriptive statistics in the explanation. The data used in this study are 100 international and local journals issued from various accredited journals with the theme of profitability of Islamic banking during the 2010-2020 period. This study experienced an increase and decrease in the number of journals during 2010-2020, and the largest number of authors who discussed the theme of the profitability of Islamic banking were 2 journals. In addition, journals that publish papers on the theme of profitability are the International Journal of Economics and Financial Issues, with a total of 6 papers. During this research, the most widely used method is the quantitative method with the model used is the analysis panel data. During this study, the journal by Dietrich and Wazenried (2011) was the study with the most citation as many as 878.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"83 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130786339","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}
Pub Date : 2023-01-20DOI: 10.21043/malia.v6i2.16593
Arisy Abror Dzukroni, M. Y. Afandi
The phenomenon of the halal lifestyle demands modern society to fulfill sharia principles in almost all aspects of life. In order to improve the quality of halal integrity to reach the global market potential of US$ 2.3 trillion, a system is built that can accommodate halal products. In the end, a halal value chain was formed that could integrate various companies and industries to work hand in hand to build a halal ecosystem. One aspect that cannot be abandoned in the development of the halal ecosystem is the financial sector in which transactions and financial mobilization occur. Of course, the system used is Islamic finance, in accordance with the principles of the halal value chain. One of the Islamic finance sectors is sharia insurance. In general, insurance is used as a guarantee if one day there is a loss to the related party. The halal industry certainly does not guarantee the avoidance of business actors from losses. From this, it can be understood that Islamic insurance plays a vital role in developing the halal value chain. Therefore, further research is needed regarding the identification of the role of Islamic insurance in optimizing the halal value chain. This research using qualitative methods and library research aims to analyze the role of sharia insurance in developing the halal value chain. The results found that almost all halal value chain clusters such as food and beverage clusters, halal tourism, fashion, cosmetics, and recreational media require sharia insurance to develop the halal value chain. This is because sharia insurance can guarantee the continuity of sharia-based businesses if there is an unthinkable loss one day. The government needs to pay more attention to implementing the Islamic financial system, one of which is sharia insurance, if it wants to create a halal ecosystem in Indonesia.
{"title":"Optimizing Sharia Insurance in Building Halal Value Chain","authors":"Arisy Abror Dzukroni, M. Y. Afandi","doi":"10.21043/malia.v6i2.16593","DOIUrl":"https://doi.org/10.21043/malia.v6i2.16593","url":null,"abstract":"The phenomenon of the halal lifestyle demands modern society to fulfill sharia principles in almost all aspects of life. In order to improve the quality of halal integrity to reach the global market potential of US$ 2.3 trillion, a system is built that can accommodate halal products. In the end, a halal value chain was formed that could integrate various companies and industries to work hand in hand to build a halal ecosystem. One aspect that cannot be abandoned in the development of the halal ecosystem is the financial sector in which transactions and financial mobilization occur. Of course, the system used is Islamic finance, in accordance with the principles of the halal value chain. One of the Islamic finance sectors is sharia insurance. In general, insurance is used as a guarantee if one day there is a loss to the related party. The halal industry certainly does not guarantee the avoidance of business actors from losses. From this, it can be understood that Islamic insurance plays a vital role in developing the halal value chain. Therefore, further research is needed regarding the identification of the role of Islamic insurance in optimizing the halal value chain. This research using qualitative methods and library research aims to analyze the role of sharia insurance in developing the halal value chain. The results found that almost all halal value chain clusters such as food and beverage clusters, halal tourism, fashion, cosmetics, and recreational media require sharia insurance to develop the halal value chain. This is because sharia insurance can guarantee the continuity of sharia-based businesses if there is an unthinkable loss one day. The government needs to pay more attention to implementing the Islamic financial system, one of which is sharia insurance, if it wants to create a halal ecosystem in Indonesia.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127832357","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}
Pub Date : 2022-12-31DOI: 10.21043/malia.v6i2.16594
Saifullahi Sani Ibrahim, Hussaina Sanusi
Inclusive growth can hardly be achieved without improvement in the inclusive finance that would enable the vulnerable households to become key economic players. While efforts are now shifted towards the Islamic financial inclusion based on the realization of weakness of traditional financial inclusivity, the impact of Islamic financial inclusion particularly, its pathways of bridging infrastructural gaps and growth drive have been partially explored. This study examines the effect of Islamic financial inclusion, infrastructural quality on economic growth in Nigeria. The study uses monthly data covering from 2017 until 2020 which was analyzed via a newly developed Bootstrap Autoregressive Distributive Lag. The results reveal a number of findings. First, the result of bootstrap autoregressive distributed lag demonstrates that there is strong co-movement between economic growth, Islamic financial inclusion, Sukuk and infrastructural quality. This finding points to the existence of a strong positive relationship between Islamic financial inclusion, infrastructural quality and economic growth in Nigeria. Second, results from nonlinear models have revealed that Islamic financial inclusion and Sukuk have asymmetric effects on economic growth. This asymmetric pattern reinforces the claim that Islamic financial inclusion can play a dedicated role in ameliorating economic downturn. Third, the results of nonlinear causality reveal strong bidirectional causality Islamic financial inclusion, economic growth and Sukuk. In this sense, inclusive Islamic finance could play a dedicated role to help countries in overcoming economic recession.
{"title":"Testing The Effect of Islamic Financial Inclusion, Infrastructural Quality on Economic Growth in Nigeria: New Insight From Bootstrap and Non-Linear ARDL","authors":"Saifullahi Sani Ibrahim, Hussaina Sanusi","doi":"10.21043/malia.v6i2.16594","DOIUrl":"https://doi.org/10.21043/malia.v6i2.16594","url":null,"abstract":"Inclusive growth can hardly be achieved without improvement in the inclusive finance that would enable the vulnerable households to become key economic players. While efforts are now shifted towards the Islamic financial inclusion based on the realization of weakness of traditional financial inclusivity, the impact of Islamic financial inclusion particularly, its pathways of bridging infrastructural gaps and growth drive have been partially explored. This study examines the effect of Islamic financial inclusion, infrastructural quality on economic growth in Nigeria. The study uses monthly data covering from 2017 until 2020 which was analyzed via a newly developed Bootstrap Autoregressive Distributive Lag. The results reveal a number of findings. First, the result of bootstrap autoregressive distributed lag demonstrates that there is strong co-movement between economic growth, Islamic financial inclusion, Sukuk and infrastructural quality. This finding points to the existence of a strong positive relationship between Islamic financial inclusion, infrastructural quality and economic growth in Nigeria. Second, results from nonlinear models have revealed that Islamic financial inclusion and Sukuk have asymmetric effects on economic growth. This asymmetric pattern reinforces the claim that Islamic financial inclusion can play a dedicated role in ameliorating economic downturn. Third, the results of nonlinear causality reveal strong bidirectional causality Islamic financial inclusion, economic growth and Sukuk. In this sense, inclusive Islamic finance could play a dedicated role to help countries in overcoming economic recession.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122460568","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}
Pub Date : 2022-12-31DOI: 10.21043/malia.v6i2.14627
E. Siregar, Gusmila Sari, Arsa Arsa
This article discusses the dynamics of internal irregularities in Islamic commercial banks in Indonesia. This paper uses secondary data for 2017-2020, published annually by Islamic commercial banks. The sample of this study consisted of 10 Islamic commercial banks, which were determined based on the criteria and the availability of existing data. The data analysis is in the form of panel data regression analysis with the help of eviews and excels applications. This study indicates that partially the proportion of independent commissioners has a significant positive effect on fraud, and the variable number of audit committee meetings and the whistle-blowing system has no significant adverse effect on fraud. While simultaneously, the variable of good corporate governance with indicators of the proportion of independent commissioners, the number of audit committee meetings, and the whistle-blowing system have a significant positive effect on fraud in Islamic commercial banks in Indonesia for the 2017-2020 period.
{"title":"Fraud at Islamic Commercial Banks in Indonesia is Seen in Good Corporate Governance (GCG) and a Whistle-Blowing System","authors":"E. Siregar, Gusmila Sari, Arsa Arsa","doi":"10.21043/malia.v6i2.14627","DOIUrl":"https://doi.org/10.21043/malia.v6i2.14627","url":null,"abstract":"This article discusses the dynamics of internal irregularities in Islamic commercial banks in Indonesia. This paper uses secondary data for 2017-2020, published annually by Islamic commercial banks. The sample of this study consisted of 10 Islamic commercial banks, which were determined based on the criteria and the availability of existing data. The data analysis is in the form of panel data regression analysis with the help of eviews and excels applications. This study indicates that partially the proportion of independent commissioners has a significant positive effect on fraud, and the variable number of audit committee meetings and the whistle-blowing system has no significant adverse effect on fraud. While simultaneously, the variable of good corporate governance with indicators of the proportion of independent commissioners, the number of audit committee meetings, and the whistle-blowing system have a significant positive effect on fraud in Islamic commercial banks in Indonesia for the 2017-2020 period.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130585081","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}
Pub Date : 2022-12-31DOI: 10.21043/malia.v6i2.13810
S. Dewi, Athi’ Hidayati, M. N. Qomar
The phenomenon of the COVID-19 pandemic motivates this research, as it shifts people's lifestyles to a cashless society, resulting in an increase in e-banking growth during the pandemic period. The goal of this study is to see how perceived benefits, trust, and personal attitude affect interest in using BSI e-banking during the COVID-19 pandemic. This research method employs quantitative methods as well as sampling techniques with secondary objectives. This study was conducted in Kudus city, with respondents being BSI e-banking users. The data was gathered through the use of a questionnaire, which was distributed to 96 respondents. The findings revealed that during the COVID-19 pandemic, the benefit perceptions, trust, and personal attitude all had a positive and significant effect on interest in using e-banking. Because the COVID-19 pandemic has not yet ended, e-banking will continue in the future. So, service providers like BSI must increase these deciding factors to encourage long-term use. They can do this by making users happier with the benefits of the product and by showing high integrity to build trust. This will give users a good attitude that makes them want to keep using the product
{"title":"Customer Interest in Using BSI e-Banking During the Covid-19 Pandemic: Relationships Between Benefit Perceptions, Trust, and Personal Attitude","authors":"S. Dewi, Athi’ Hidayati, M. N. Qomar","doi":"10.21043/malia.v6i2.13810","DOIUrl":"https://doi.org/10.21043/malia.v6i2.13810","url":null,"abstract":"The phenomenon of the COVID-19 pandemic motivates this research, as it shifts people's lifestyles to a cashless society, resulting in an increase in e-banking growth during the pandemic period. The goal of this study is to see how perceived benefits, trust, and personal attitude affect interest in using BSI e-banking during the COVID-19 pandemic. This research method employs quantitative methods as well as sampling techniques with secondary objectives. This study was conducted in Kudus city, with respondents being BSI e-banking users. The data was gathered through the use of a questionnaire, which was distributed to 96 respondents. The findings revealed that during the COVID-19 pandemic, the benefit perceptions, trust, and personal attitude all had a positive and significant effect on interest in using e-banking. Because the COVID-19 pandemic has not yet ended, e-banking will continue in the future. So, service providers like BSI must increase these deciding factors to encourage long-term use. They can do this by making users happier with the benefits of the product and by showing high integrity to build trust. This will give users a good attitude that makes them want to keep using the product","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"68 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124510794","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}
This study aims to measure the financial performance of Islamic commercial banks in Indonesia with the Maqashid Sharia Index and Comparative Performance Index. The research design uses quantitative data using numerical data. Data were obtained from 5 Islamic commercial banks using the purposive sampling method from 2016-2019. The data analysis used the Maqashid Syariah Index and the Comparative Performance Index. This study found that Bank Rakyat Indonesia Sharia (BRIS) with the highest achievement of the Maqashid Syariah Index was 1.0881. Then, Bank Sharia Mandiri (BSM) has the lowest achievement, with a value of 0.9238. Based on the CAMEL measurement, the bank with the highest achievement was Bank Negara Indonesia Sharia (BNIS), 144.87%. At the same time, the lowest achievement was Bank Muamalat Indonesia (BMI) at 55.61%. Therefore, the merger of BSM, BNIS, and BRIS, is expected to improve the performance of the maqashid sharia index and Comparative Performance Index. Likewise, Bank Muamalat, as the first pure sharia bank, can rise and improve the performance of the sharia maqashid index and CAMEL.
本研究旨在用Maqashid Sharia指数和比较绩效指数来衡量印尼伊斯兰商业银行的财务绩效。本研究设计采用数值数据的定量数据。数据采用2016-2019年有目的抽样方法从5家伊斯兰商业银行获得。数据分析使用了Maqashid伊斯兰教指数和比较表现指数。本研究发现，Maqashid伊斯兰教法指数最高的印尼人民银行(Bank Rakyat Indonesia, BRIS)为1.0881。其次，伊斯兰曼迪利银行(Bank Sharia Mandiri, BSM)的绩效最低，为0.9238。根据CAMEL测算，绩效最高的银行为印尼国家银行(bank Negara Indonesia Sharia, BNIS)，为144.87%。与此同时，最低的是印度尼西亚穆阿马拉银行(BMI)，为55.61%。因此，BSM、BNIS和BRIS的合并有望改善maqashid sharia指数和比较绩效指数的表现。同样，Muamalat银行作为第一家纯粹的伊斯兰教银行，可以提高和改善伊斯兰教maqashid指数和CAMEL的表现。
{"title":"The Measurement of The Financial Performance of Islamic Commercial Banks in Indonesia With The Maqashid Sharia Index and Comparative Performance Index Approach","authors":"Efri Syamsul Bahri, Frida Tis’a Zam-zamiyah, Nursanita Nasution","doi":"10.21043/malia.v6i2.16634","DOIUrl":"https://doi.org/10.21043/malia.v6i2.16634","url":null,"abstract":"This study aims to measure the financial performance of Islamic commercial banks in Indonesia with the Maqashid Sharia Index and Comparative Performance Index. The research design uses quantitative data using numerical data. Data were obtained from 5 Islamic commercial banks using the purposive sampling method from 2016-2019. The data analysis used the Maqashid Syariah Index and the Comparative Performance Index. This study found that Bank Rakyat Indonesia Sharia (BRIS) with the highest achievement of the Maqashid Syariah Index was 1.0881. Then, Bank Sharia Mandiri (BSM) has the lowest achievement, with a value of 0.9238. Based on the CAMEL measurement, the bank with the highest achievement was Bank Negara Indonesia Sharia (BNIS), 144.87%. At the same time, the lowest achievement was Bank Muamalat Indonesia (BMI) at 55.61%. Therefore, the merger of BSM, BNIS, and BRIS, is expected to improve the performance of the maqashid sharia index and Comparative Performance Index. Likewise, Bank Muamalat, as the first pure sharia bank, can rise and improve the performance of the sharia maqashid index and CAMEL.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"44 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133474482","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}
Pub Date : 2022-09-19DOI: 10.21043/malia.v6i1.13369
Y. Pratiwi, Rifda Nabila
{"title":"Pengaruh DPK, CAR, dan FDR Terhadap Pembiayaan Murabahah dengan ROA Sebagai Variabel Moderating","authors":"Y. Pratiwi, Rifda Nabila","doi":"10.21043/malia.v6i1.13369","DOIUrl":"https://doi.org/10.21043/malia.v6i1.13369","url":null,"abstract":"","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"29 2","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120927182","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}
Pub Date : 2022-07-31DOI: 10.21043/malia.v6i1.13629
Nur Khalimah, Edy Yusuf Agung Gunanto
{"title":"Analisis Efisiensi dan Produktivitas Bank Umum Syariah di Indonesia","authors":"Nur Khalimah, Edy Yusuf Agung Gunanto","doi":"10.21043/malia.v6i1.13629","DOIUrl":"https://doi.org/10.21043/malia.v6i1.13629","url":null,"abstract":"","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"10 13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116636821","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}
Pub Date : 2022-07-31DOI: 10.21043/malia.v6i1.15019
Solikhul Hadi, Yoga Raunaqa
This study aims to describe: (1) how the implementation of the practice in empowering MSMEs at the Assa Berkah Sejahtera Kudus Micro Waqf Bank, (2) how the results of qardh financing and the results of the practice of joint responsibility financing in empowering MSMEs by the Assa Berkah Sejahtera Kudus Micro Waqf Bank, and (3) the inhibiting factors for financing the practice of joint responsibility at the Assa Berkah Sejahtera Kudus Micro Waqf Bank and what are the solutions to overcome these inhibiting factors. This research is a type of field research (field research). The approach used by researchers in this study is qualitative research. Sources of data in this study are primary data and secondary data. Primary data sources are managers, as well as several customers of the Assa Berkah Sejahtera Micro Waqf Bank. Meanwhile, secondary data sources are library books and documentation. Based on the results of the research obtained, this study shows that: (1) The implementation of the practice of joint responsibility is going well using a qardh contract and has succeeded in being a solution for customers who have difficulty paying the installments for the repayment of business capital. (2) The results of qardh financing are an increase in business and an increase in income, while the results of the practice of joint responsibility for empowering MSMEs are creating a sense of kinship and responsibility among members (3) The inhibiting factor is the lack of concern and a sense of responsibility with several prospective customers who are still selfish alone. The solution to overcome the inhibiting factors is to hold mandatory group training for five consecutive days with one of the materials, namely the practice of joint responsibility financing.
{"title":"The Role of Micro Waqf Bank through Joint Liability Qard Financing in MSME Empowerment","authors":"Solikhul Hadi, Yoga Raunaqa","doi":"10.21043/malia.v6i1.15019","DOIUrl":"https://doi.org/10.21043/malia.v6i1.15019","url":null,"abstract":"This study aims to describe: (1) how the implementation of the practice in empowering MSMEs at the Assa Berkah Sejahtera Kudus Micro Waqf Bank, (2) how the results of qardh financing and the results of the practice of joint responsibility financing in empowering MSMEs by the Assa Berkah Sejahtera Kudus Micro Waqf Bank, and (3) the inhibiting factors for financing the practice of joint responsibility at the Assa Berkah Sejahtera Kudus Micro Waqf Bank and what are the solutions to overcome these inhibiting factors. This research is a type of field research (field research). The approach used by researchers in this study is qualitative research. Sources of data in this study are primary data and secondary data. Primary data sources are managers, as well as several customers of the Assa Berkah Sejahtera Micro Waqf Bank. Meanwhile, secondary data sources are library books and documentation. Based on the results of the research obtained, this study shows that: (1) The implementation of the practice of joint responsibility is going well using a qardh contract and has succeeded in being a solution for customers who have difficulty paying the installments for the repayment of business capital. (2) The results of qardh financing are an increase in business and an increase in income, while the results of the practice of joint responsibility for empowering MSMEs are creating a sense of kinship and responsibility among members (3) The inhibiting factor is the lack of concern and a sense of responsibility with several prospective customers who are still selfish alone. The solution to overcome the inhibiting factors is to hold mandatory group training for five consecutive days with one of the materials, namely the practice of joint responsibility financing.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"27 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129350886","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}
Pub Date : 2022-07-28DOI: 10.21043/malia.v6i1.10685
Febriana Endah Puspaningrum, Fany Indriyani
{"title":"Moderasi Kepemilikan Manajerial Terhadap Hubungan Profitabilitas, Leverage, Free Cash Flow Dan Manajemen Laba","authors":"Febriana Endah Puspaningrum, Fany Indriyani","doi":"10.21043/malia.v6i1.10685","DOIUrl":"https://doi.org/10.21043/malia.v6i1.10685","url":null,"abstract":"","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129746133","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}
京公网安备 11010802042870号
京ICP备2023020795号-1
扫码关注我们
求助内容：
应助结果提醒方式：