Pub Date : 2021-07-01DOI: 10.21043/MALIA.V5I1.10543
Isnan Murdiansyah
The purpose of this research is to find out the influence of leverage, size of the board of commissioners and sharia supervisory board toward the disclosure of Islamic Social Reporting (ISR) at Sharia Commercial Bank in Indonesia during 2017-2019 and test it. Purposing sampling is the technique that been used in this research with the samples 12 Sharia Commercial Bank during 3 years observation respectively with the result obtained 36 samples. The analysis technique used in this research was multiple regressions. The analysis result shows that leverage has no significant influenced toward the disclosure of Islamic Social Reporting (ISR), size of the board of commissioners has a positive significant influenced toward the disclosure of Islamic Social Reporting (ISR) and syaria supervisory board has no significant influenced toward the disclosure of Islamic Social Reporting (ISR).
{"title":"Leverage, Ukuran Dewan Komisaris, Ukuran Dewan Pengawas Syariah dan Pengaruhnya Terhadap Pengungkapan Islamic Social Reporting (ISR)","authors":"Isnan Murdiansyah","doi":"10.21043/MALIA.V5I1.10543","DOIUrl":"https://doi.org/10.21043/MALIA.V5I1.10543","url":null,"abstract":"The purpose of this research is to find out the influence of leverage, size of the board of commissioners and sharia supervisory board toward the disclosure of Islamic Social Reporting (ISR) at Sharia Commercial Bank in Indonesia during 2017-2019 and test it. Purposing sampling is the technique that been used in this research with the samples 12 Sharia Commercial Bank during 3 years observation respectively with the result obtained 36 samples. The analysis technique used in this research was multiple regressions. The analysis result shows that leverage has no significant influenced toward the disclosure of Islamic Social Reporting (ISR), size of the board of commissioners has a positive significant influenced toward the disclosure of Islamic Social Reporting (ISR) and syaria supervisory board has no significant influenced toward the disclosure of Islamic Social Reporting (ISR).","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131265072","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 : 2021-06-30DOI: 10.21043/malia.v5i1.9825
Alfi Saidah, Anton Bawono
Economic Value Added is an approach to assessing company performance, with the aim that the company's ability to create added value can influence investors who will invest in the company. The concept used in this approach is to pay attention to the funders in terms of expectations, interests, and degrees of justice as measured by weighted measures and the existing initial capital structure. The population in this study are Islamic Commercial Banks registered with the Financial Services Authority, totaling 11 Islamic Banks. In selecting the sample the method used is purposive sampling with the criteria that the author has set. The collection method in this study was carried out by looking at the annual financial statements of each Islamic bank registered with the Financial Services Authority. Based on the results of the moderation regression test, the results showed that IIR, TCI, NPF had no significant positive effect on EVA. ROA is not able to moderate IIR against EVA. ROA is not able to moderate TCI against EVA. ROA is not able to moderate NPF against EVA.
{"title":"Analysis of The Influence of Islamic Income Ratio, Total Comprehensive Income, and NPF on Company Value with Profitability as Moderating Variables in Sharia Commercial Banks in Indonesia 2015-2019","authors":"Alfi Saidah, Anton Bawono","doi":"10.21043/malia.v5i1.9825","DOIUrl":"https://doi.org/10.21043/malia.v5i1.9825","url":null,"abstract":"Economic Value Added is an approach to assessing company performance, with the aim that the company's ability to create added value can influence investors who will invest in the company. The concept used in this approach is to pay attention to the funders in terms of expectations, interests, and degrees of justice as measured by weighted measures and the existing initial capital structure. The population in this study are Islamic Commercial Banks registered with the Financial Services Authority, totaling 11 Islamic Banks. In selecting the sample the method used is purposive sampling with the criteria that the author has set. The collection method in this study was carried out by looking at the annual financial statements of each Islamic bank registered with the Financial Services Authority. Based on the results of the moderation regression test, the results showed that IIR, TCI, NPF had no significant positive effect on EVA. ROA is not able to moderate IIR against EVA. ROA is not able to moderate TCI against EVA. ROA is not able to moderate NPF against EVA.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134457498","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 : 2021-06-30DOI: 10.21043/malia.v5i1.10482
Imam Syafi'i, Slamet Haryono
Perusahaan memiliki orientasi untuk mendapatkan keuntungan dalam menjalankan kegiatan usaha. Terdapat faktor-faktor yang mempengaruhi profitabilitas perusahaan, baik secara internal dan eksternal. Manajemen perusahaan, harus mengontrol rasio keuangan mereka dan mempertimbangkan kondisi makroekonomi serta lingkungan karena faktor-faktor tersebut dapat mempengaruhi profitabilitas perusahaan. Tujuan dari penelitian ini adalah untuk menguji pengaruh leverage, ukuran perusahaan dan inflasi terhadap profitabilitas Bank Umum Syariah tahun 2012-2019. Jenis penelitian ini adalah penelitian kuantitatif. Objek penelitian ini adalah Perusahaan sektor Perbankan yaitu Bank Umum Syariah terdaftar di Otoritas Jasa Keuangan pada periode 2012 sampai 2019. Teknik pengambilan sampel menggunakan teknik purposive sampling. Metode analisis data yang digunakan adalah regresi data panel, yaitu penggabungan data cross section dan data time series menggunakan data 10 Bank Umum Syariah Temuan penelitian ini menunjukkan bahwa leverage yang menggunakan indikator DER berpengaruh positif signifikan secara parsial terhadap profitabilitas pada Bank Umum Syariah, yang menggunakan indikator ROA. Selanjutnya ukuran perusahaan yang menggunakan indikator Ln Aset dan Inflasi tidak berpengaruh signifikan secara parsial terhadap profitabilitas pada Bank Umum Syariah, namun berpengaruh secara simultan. Variabel leverage, ukuran perusahaan, dan inflasi berpengaruh signifikan secara simultan atau bersama-sama terhadap profitabilitas pada Bank Umum Syariah.
{"title":"Pengaruh Leverage, Ukuran Perusahaan dan Inflasi terhadap Profitabilitas Pada Bank Umum Syariah di Indonesia","authors":"Imam Syafi'i, Slamet Haryono","doi":"10.21043/malia.v5i1.10482","DOIUrl":"https://doi.org/10.21043/malia.v5i1.10482","url":null,"abstract":"Perusahaan memiliki orientasi untuk mendapatkan keuntungan dalam menjalankan kegiatan usaha. Terdapat faktor-faktor yang mempengaruhi profitabilitas perusahaan, baik secara internal dan eksternal. Manajemen perusahaan, harus mengontrol rasio keuangan mereka dan mempertimbangkan kondisi makroekonomi serta lingkungan karena faktor-faktor tersebut dapat mempengaruhi profitabilitas perusahaan. Tujuan dari penelitian ini adalah untuk menguji pengaruh leverage, ukuran perusahaan dan inflasi terhadap profitabilitas Bank Umum Syariah tahun 2012-2019. Jenis penelitian ini adalah penelitian kuantitatif. Objek penelitian ini adalah Perusahaan sektor Perbankan yaitu Bank Umum Syariah terdaftar di Otoritas Jasa Keuangan pada periode 2012 sampai 2019. Teknik pengambilan sampel menggunakan teknik purposive sampling. Metode analisis data yang digunakan adalah regresi data panel, yaitu penggabungan data cross section dan data time series menggunakan data 10 Bank Umum Syariah Temuan penelitian ini menunjukkan bahwa leverage yang menggunakan indikator DER berpengaruh positif signifikan secara parsial terhadap profitabilitas pada Bank Umum Syariah, yang menggunakan indikator ROA. Selanjutnya ukuran perusahaan yang menggunakan indikator Ln Aset dan Inflasi tidak berpengaruh signifikan secara parsial terhadap profitabilitas pada Bank Umum Syariah, namun berpengaruh secara simultan. Variabel leverage, ukuran perusahaan, dan inflasi berpengaruh signifikan secara simultan atau bersama-sama terhadap profitabilitas pada Bank Umum Syariah.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"34 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116798071","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 : 2020-12-28DOI: 10.21043/MALIA.V4I2.9256
Abdillah Ubaidi
Conducting analysis of efficiency, risk-taking behavior and market share of Islamic Banking in Indonesia. Conducted to answer the question of the still low market share of sharia banking in the national banking industry. The presence of Sharia Banking on dual banking system is still minimal. The monthly data sample of 34 Shariah Bank in Indonesia (11 Sharia Commercial Banks, 13 Sharia Business Units) is used to test the research hypothesis for the period from 2014 to 2017 using the estimator Generalized Method of Moments. The results show that there is a significant relationship and / or influence between the efficiency, risk-taking behavior and market share of Sharia Banking in Indonesia. Effect of moderation Efficiency and Risk-Taker Behavior on Financial Performance of Sharia Banking. Research limitations/ implications - Firstly, this paper focuses only on the sharia banking industry in Indonesia that adopts pro-active models, and therefore, expanding the investigation to include countries adopting different models may provide a better and more comprehensive view of the correlation between efficiency, risk-taking behavior and market share of Sharia Banking. Secondly, there is a need for more empirical data to be used, such as 7 years or more. This paper provides empirical evidence to regulators and policymakers in Indonesia, to understand how to increase the market share of sharia banking to the national banking industry. Furthermore, the sharia banking shareholder intends to increase the market share of sharia banking as one of the pillars of sharia finance in Indonesia which continues to grow. Previous studies have only discussed financial performance, efficiency and risk-taker behaviors without linking to market share levels. Because the discussion of market share is usually monopolized marketing studies..
{"title":"Peningkatan Market Share Bank Syariah Melalui Kinerja Keuangan; Antara Moderasi Efisiensi Dan Risk-Taking Behavior","authors":"Abdillah Ubaidi","doi":"10.21043/MALIA.V4I2.9256","DOIUrl":"https://doi.org/10.21043/MALIA.V4I2.9256","url":null,"abstract":"Conducting analysis of efficiency, risk-taking behavior and market share of Islamic Banking in Indonesia. Conducted to answer the question of the still low market share of sharia banking in the national banking industry. The presence of Sharia Banking on dual banking system is still minimal. The monthly data sample of 34 Shariah Bank in Indonesia (11 Sharia Commercial Banks, 13 Sharia Business Units) is used to test the research hypothesis for the period from 2014 to 2017 using the estimator Generalized Method of Moments. The results show that there is a significant relationship and / or influence between the efficiency, risk-taking behavior and market share of Sharia Banking in Indonesia. Effect of moderation Efficiency and Risk-Taker Behavior on Financial Performance of Sharia Banking. Research limitations/ implications - Firstly, this paper focuses only on the sharia banking industry in Indonesia that adopts pro-active models, and therefore, expanding the investigation to include countries adopting different models may provide a better and more comprehensive view of the correlation between efficiency, risk-taking behavior and market share of Sharia Banking. Secondly, there is a need for more empirical data to be used, such as 7 years or more. This paper provides empirical evidence to regulators and policymakers in Indonesia, to understand how to increase the market share of sharia banking to the national banking industry. Furthermore, the sharia banking shareholder intends to increase the market share of sharia banking as one of the pillars of sharia finance in Indonesia which continues to grow. Previous studies have only discussed financial performance, efficiency and risk-taker behaviors without linking to market share levels. Because the discussion of market share is usually monopolized marketing studies..","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133258609","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 : 2020-12-28DOI: 10.21043/MALIA.V4I2.8496
Farida Husna, Muhamad Mustaqim
This paper aims to examine the utilization of electronic banking for members in KSPPS BMT Bina Ummat Sejahtera (BUS) Tayu Branch, as well as the factors that influence it. This research is included in field research with qualitative approach. The results showed that the utilization of electronic banking in BMT Bina Ummat Sejahtera is currently not fully carried out. Some members still do not use electronic banking, for several reasons such as: limited facilities, perceptiveness about e-banking that impresses, complicated, and worries about security risks. Meanwhile, factors that influence the utilization of e-banking include: member interest, desire to use, perception that includes: perception of trust, ease, and risk perception. The results of this study provide an idea that it is necessary to socialize and educate the use of e-banking, especially for the lower middle class, and rural areas.
本文旨在调查KSPPS BMT Bina Ummat Sejahtera (BUS)大禹分行成员对电子银行的利用情况，以及影响其使用的因素。本研究采用定性方法进行实地研究。结果表明，电子银行在BMT Bina Ummat Sejahtera的利用目前还没有充分开展。一些成员仍然没有使用电子银行，原因有:设施有限、对电子银行印象深刻、复杂、担心安全风险等。同时，影响电子银行使用的因素包括:会员兴趣、使用意愿、感知(包括信任感知、便利性感知和风险感知)。本研究的结果提供了一个想法，即有必要对电子银行的使用进行社会化和教育，特别是对中下阶层和农村地区。
{"title":"Pemanfaatan Electronic Banking Bagi Anggota di KSPPS BMT Bina Ummat Sejahtera Cabang Tayu","authors":"Farida Husna, Muhamad Mustaqim","doi":"10.21043/MALIA.V4I2.8496","DOIUrl":"https://doi.org/10.21043/MALIA.V4I2.8496","url":null,"abstract":"This paper aims to examine the utilization of electronic banking for members in KSPPS BMT Bina Ummat Sejahtera (BUS) Tayu Branch, as well as the factors that influence it. This research is included in field research with qualitative approach. The results showed that the utilization of electronic banking in BMT Bina Ummat Sejahtera is currently not fully carried out. Some members still do not use electronic banking, for several reasons such as: limited facilities, perceptiveness about e-banking that impresses, complicated, and worries about security risks. Meanwhile, factors that influence the utilization of e-banking include: member interest, desire to use, perception that includes: perception of trust, ease, and risk perception. The results of this study provide an idea that it is necessary to socialize and educate the use of e-banking, especially for the lower middle class, and rural areas.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127525454","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 : 2020-12-28DOI: 10.21043/MALIA.V4I2.8868
Dian Pujiatama Vera Subchanifa, S Surepno, N. Istiqomah
This study aims to obtain empirical evidence about the effect of work stress, competence, and compensation on employee performance with motivation as an intervening variable at KSPPS Fastabiq Khoiro Ummah Pati. The research method uses quantitative methods with the research sample of employees at KSPPS Fastabiq Khoiro Ummah Pati who have worked. minimum one year, amounting to 76 employees. The results showed that the work stress variable harmed employee performance. While the competency and compensation, variables have a positive and significant effect on employee performance. Job stress and competency variables do not affect employee performance which is mediated by work motivation. While the compensation variable affects employee performance mediated by work motivation.
{"title":"Stres Kerja, Kompetensi, Kompensasi dan Pengaruhnya Terhadap Kinerja Karyawan dengan Motivasi Sebagai Variabel Intervening","authors":"Dian Pujiatama Vera Subchanifa, S Surepno, N. Istiqomah","doi":"10.21043/MALIA.V4I2.8868","DOIUrl":"https://doi.org/10.21043/MALIA.V4I2.8868","url":null,"abstract":"This study aims to obtain empirical evidence about the effect of work stress, competence, and compensation on employee performance with motivation as an intervening variable at KSPPS Fastabiq Khoiro Ummah Pati. The research method uses quantitative methods with the research sample of employees at KSPPS Fastabiq Khoiro Ummah Pati who have worked. minimum one year, amounting to 76 employees. The results showed that the work stress variable harmed employee performance. While the competency and compensation, variables have a positive and significant effect on employee performance. Job stress and competency variables do not affect employee performance which is mediated by work motivation. While the compensation variable affects employee performance mediated by work motivation.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127628463","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 : 2020-12-22DOI: 10.21043/MALIA.V4I2.9006
Muhammad Fathur Rozzi, Qi Mangku Bahjatullah
ISR merupakan pelaporan tanggung jawab sosial yang mampu mengurangi terjadinya gejala salah satunya yaitu legitimacy gap dan gejala lain yang bisa mengakibatkan terganggunya sustainaibility perusahaan. Dalam penelitian lain masih ditemukan ketidak konsistenan variabel bebas yang berpengaruh, maka dalam penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Profitabilitas (GPM), Likuiditas (CR), dan Leverage (DER) terhadap Islamic Social Reporting (ISR) dengan Ukuran Perusahaan sebagai Variabel Moderasi, pada Bank Umum Syariah di Indonesia yang terdaftar pada OJK periode 2015-2019. Penelitian ini menggunakan jenis penelitian kuantitatif, jenis dengan data sekunder berupa panel yang dianalisis melalui metode analisis data regresi linier berganda dengan uji Moderate Regression Analysis (MRA) menggunakan software EViews 9. Populasi yang digunakan dalam penelitian ini adalah Bank Umum Syariah (BUS) di Indonesia sebanyak 14 bank syariah. Teknik pengambilan sampel dalam penelitian ini adalah purposive sampling. Sampel yang digunakan sebagai objek penelitian adalah 12 BUS. Berdasarkan hasil penelitian, hasil uji F menunjukkan bahwa Profitabilitas, Likuiditas dan Leverage berpengaruh secara simultan terhadap ISR dengan koefisien positif sedangkan uji T menunjukkan bahwa secara parsial Profitabilitas dan Leverage tidak berpengaruh terhadap ISR, Likuiditas berpengaruh negatif dan berpengaruh signifikan terhadap ISR. Berdasarkan uji MRA, Ukuran Perusahaan tidak mampu memoderasi hubungan antara pengaruh profitabilitas terhadap ISR, sedangkan Ukuran Perusahaan mampu memoderasi dan memperlemah hubungan antara Likuiditas dan ISR, dan Ukuran Perusahaan mampu memoderasi dan memperkuat hubungan antara Leverage dan ISR.
{"title":"Analisis Determinan Pelaporan Islamic Social Reporting (ISR) Pada Bank Umum Syariah Indonesia Tahun 2015-2019","authors":"Muhammad Fathur Rozzi, Qi Mangku Bahjatullah","doi":"10.21043/MALIA.V4I2.9006","DOIUrl":"https://doi.org/10.21043/MALIA.V4I2.9006","url":null,"abstract":"ISR merupakan pelaporan tanggung jawab sosial yang mampu mengurangi terjadinya gejala salah satunya yaitu legitimacy gap dan gejala lain yang bisa mengakibatkan terganggunya sustainaibility perusahaan. Dalam penelitian lain masih ditemukan ketidak konsistenan variabel bebas yang berpengaruh, maka dalam penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Profitabilitas (GPM), Likuiditas (CR), dan Leverage (DER) terhadap Islamic Social Reporting (ISR) dengan Ukuran Perusahaan sebagai Variabel Moderasi, pada Bank Umum Syariah di Indonesia yang terdaftar pada OJK periode 2015-2019. Penelitian ini menggunakan jenis penelitian kuantitatif, jenis dengan data sekunder berupa panel yang dianalisis melalui metode analisis data regresi linier berganda dengan uji Moderate Regression Analysis (MRA) menggunakan software EViews 9. Populasi yang digunakan dalam penelitian ini adalah Bank Umum Syariah (BUS) di Indonesia sebanyak 14 bank syariah. Teknik pengambilan sampel dalam penelitian ini adalah purposive sampling. Sampel yang digunakan sebagai objek penelitian adalah 12 BUS. Berdasarkan hasil penelitian, hasil uji F menunjukkan bahwa Profitabilitas, Likuiditas dan Leverage berpengaruh secara simultan terhadap ISR dengan koefisien positif sedangkan uji T menunjukkan bahwa secara parsial Profitabilitas dan Leverage tidak berpengaruh terhadap ISR, Likuiditas berpengaruh negatif dan berpengaruh signifikan terhadap ISR. Berdasarkan uji MRA, Ukuran Perusahaan tidak mampu memoderasi hubungan antara pengaruh profitabilitas terhadap ISR, sedangkan Ukuran Perusahaan mampu memoderasi dan memperlemah hubungan antara Likuiditas dan ISR, dan Ukuran Perusahaan mampu memoderasi dan memperkuat hubungan antara Leverage dan ISR.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129678059","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 : 2020-03-12DOI: 10.21043/malia.v4i1.8449
U. Nuha, Moh. Nurul Qomar, Rafi Maulana
The purpose of this research is to find out about the transaction system in digital wallets (e-wallets) associated with the wadiah yad dhomanah contract in the study of muamalah fiqh. Whether the transaction is in accordance with the principles of Islamic finance so that it creates peace for Muslims in using the application.Digital payments are currently a public need along with the development of information technology in particular. This is evidenced by the non-cash payment innovation. This innovation in Indonesia was formally carried out by Bank Indonesia through the National Non-Cash Movement (GNNT) in 2014. This movement aims to increase public awareness of the use of non-cash instruments so that a community that uses cashless instruments is gradually formed (cashless). society).The technology cashless society clearly plays an important role in encouraging the consumption of Indonesia's middle class to be more consumptive. The presence of electronic money is one way to encourage people to become consumptive. The touch of technology in consumption through electronic money has provided a new color in interpreting consumption. Consumption does not only use its utility function to spend but also an identity function that needs to be fulfilled. Non-cash payment innovation in Indonesia continues to grow, along with the rise of financial technology (fintech) products in the form of digital wallets (e-wallets) such as Go-Pay, OVO, Dana, LinkAja, Paytren, and so on.
本研究的目的是在muamalah fiqh研究中找出与wdiah yad dhomanah合同相关的数字钱包(e-wallets)中的交易系统。交易是否符合伊斯兰金融的原则，以便为穆斯林在使用该应用程序时创造和平。特别是随着信息技术的发展，数字支付成为当今社会的一种公共需求。非现金支付的创新就证明了这一点。印尼央行于2014年通过全国非现金运动(GNNT)正式实施了这一创新。这项运动旨在提高公众对非现金工具使用的认识，从而逐渐形成一个使用无现金工具的社区(无现金)。社会)。技术无现金社会显然在鼓励印尼中产阶级消费方面发挥了重要作用。电子货币的存在是鼓励人们消费的一种方式。电子货币在消费中的技术触碰，为解读消费提供了新的色彩。消费不仅仅是利用其效用函数进行消费，同时也是一种需要实现的同一性函数。随着Go-Pay、OVO、Dana、LinkAja、Paytren等数字钱包(电子钱包)形式的金融科技(fintech)产品的兴起，印尼的非现金支付创新持续增长。
{"title":"Perlukah E-Wallet Berbasis Syariah?","authors":"U. Nuha, Moh. Nurul Qomar, Rafi Maulana","doi":"10.21043/malia.v4i1.8449","DOIUrl":"https://doi.org/10.21043/malia.v4i1.8449","url":null,"abstract":"The purpose of this research is to find out about the transaction system in digital wallets (e-wallets) associated with the wadiah yad dhomanah contract in the study of muamalah fiqh. Whether the transaction is in accordance with the principles of Islamic finance so that it creates peace for Muslims in using the application.Digital payments are currently a public need along with the development of information technology in particular. This is evidenced by the non-cash payment innovation. This innovation in Indonesia was formally carried out by Bank Indonesia through the National Non-Cash Movement (GNNT) in 2014. This movement aims to increase public awareness of the use of non-cash instruments so that a community that uses cashless instruments is gradually formed (cashless). society).The technology cashless society clearly plays an important role in encouraging the consumption of Indonesia's middle class to be more consumptive. The presence of electronic money is one way to encourage people to become consumptive. The touch of technology in consumption through electronic money has provided a new color in interpreting consumption. Consumption does not only use its utility function to spend but also an identity function that needs to be fulfilled. Non-cash payment innovation in Indonesia continues to grow, along with the rise of financial technology (fintech) products in the form of digital wallets (e-wallets) such as Go-Pay, OVO, Dana, LinkAja, Paytren, and so on.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"152 5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-03-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114061523","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 : 2019-10-18DOI: 10.21043/malia.v3i2.8450
Rola Nurul Fajria
Technology start-ups from FinTech firms offer more convenient user experiences for example better user interfaces for the mobile management of personal finance. Besides that also lower prices and better quality for example faster speed for traditional products such as payment services. This study aims to identify and overview key risks and impact of FinTech on sharia banks in Indonesia to improving bank performance. The result of this study shows that shariah banking Indonesia needs synergy with FinTech firms to increase their performance and market share.
{"title":"Potensi Sinergitas Fintech Dengan Bank Syariah Dalam Meningkatkan Kinerja Perbankan Syariah Di Indonesia","authors":"Rola Nurul Fajria","doi":"10.21043/malia.v3i2.8450","DOIUrl":"https://doi.org/10.21043/malia.v3i2.8450","url":null,"abstract":"Technology start-ups from FinTech firms offer more convenient user experiences for example better user interfaces for the mobile management of personal finance. Besides that also lower prices and better quality for example faster speed for traditional products such as payment services. This study aims to identify and overview key risks and impact of FinTech on sharia banks in Indonesia to improving bank performance. The result of this study shows that shariah banking Indonesia needs synergy with FinTech firms to increase their performance and market share.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-10-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130761817","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 : 2019-06-06DOI: 10.21043/malia.v3i1.5666
Rosyid Nur Anggara Putra
Each type of contract in financing in a Sharia Bank has differentcharacteristics. This can not be separated from the type of transaction used infinancing. This study aims to analyze the effect of financing characteristicsbased on the contract in the distribution of funds, namely: mudharabahfinancing, musyarakah financing, murabahah financing and qardh loans tofinancing risk which is proxied by the ratio of non-performing finance (NPF).The research is a quantitative associative study with the object of a shariacommercial bank in Indonesia. The sampling technique used a purposivesampling technique where the number of samples analyzed was 66 consistingof 11 Islamic Commercial Banks with the period 2011-2016. The analysisshows that mudharabah financing has a positive effect on NPF, murabahahfinancing has a negative effect on NPF. While musyarakah and qardhul hasanfinancing does not affect the NPF ratio.
{"title":"Karakteristik Pembiayaan dan Non Performing Finance Perbankan Syariah 2015–2018","authors":"Rosyid Nur Anggara Putra","doi":"10.21043/malia.v3i1.5666","DOIUrl":"https://doi.org/10.21043/malia.v3i1.5666","url":null,"abstract":"Each type of contract in financing in a Sharia Bank has differentcharacteristics. This can not be separated from the type of transaction used infinancing. This study aims to analyze the effect of financing characteristicsbased on the contract in the distribution of funds, namely: mudharabahfinancing, musyarakah financing, murabahah financing and qardh loans tofinancing risk which is proxied by the ratio of non-performing finance (NPF).The research is a quantitative associative study with the object of a shariacommercial bank in Indonesia. The sampling technique used a purposivesampling technique where the number of samples analyzed was 66 consistingof 11 Islamic Commercial Banks with the period 2011-2016. The analysisshows that mudharabah financing has a positive effect on NPF, murabahahfinancing has a negative effect on NPF. While musyarakah and qardhul hasanfinancing does not affect the NPF ratio.","PeriodicalId":164156,"journal":{"name":"MALIA: Journal of Islamic Banking and Finance","volume":"66 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132830296","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}
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