Pub Date : 2023-03-13DOI: 10.51311/istikhlaf.v5i1.485
Analisis Pelaksanaan, Akad Wadi’ah, Pada Produk, Tabungan Haji, D. “Bank, Muamalat Kantor, Cabang Muara, Bungo Neti, Zuhelti Institut, Agama Islam, Yasni Bungo, Institut Agama Islam, M. Ridho, Pratama Institut
Konsep pelaksanaan akad wadi’ah di Bank Muamalat Kantor Cabang Pembantu Muara Bungo sebagai titipan dari nasabah kepada pihak Bank, yakni titipan murni yang harus dijaga dan dikembalikan setiap saat sesuai dengan kehendak pemiliknya, setelah mencukupi nominal yang ditentukan oleh Kementrian Agama dan telah mendapat porsi keberangkatan. Berkaitan dengan produk tabungan wadi’ah, Akad yang dipakai pada praktek tabungan haji di Bank yaitu wadi’ah yad dhamanah yaitu dana yang disetorkan oleh nasabah tersebut boleh dipergunakan oleh pihak Bank, dan pihak Bank memberikan bonus kepada pihak nasabah yang telah mempercayai Bank untuk diberi amanah agar menjaga dana tersebut. Namun demikian yang penting adalah bagaimana mencari solusi dalam pemanfaatan factor pendukung dan mengatasi factor penghambat dalam pelaksanaan akad wadi’ah itu sendiri
{"title":"Analisis Pelaksanaan Akad Wadi’ah Pada Produk Tabungan Haji Di Bank Muamalat Kantor Cabang Muara Bungo","authors":"Analisis Pelaksanaan, Akad Wadi’ah, Pada Produk, Tabungan Haji, D. “Bank, Muamalat Kantor, Cabang Muara, Bungo Neti, Zuhelti Institut, Agama Islam, Yasni Bungo, Institut Agama Islam, M. Ridho, Pratama Institut","doi":"10.51311/istikhlaf.v5i1.485","DOIUrl":"https://doi.org/10.51311/istikhlaf.v5i1.485","url":null,"abstract":"Konsep pelaksanaan akad wadi’ah di Bank Muamalat Kantor Cabang Pembantu Muara Bungo sebagai titipan dari nasabah kepada pihak Bank, yakni titipan murni yang harus dijaga dan dikembalikan setiap saat sesuai dengan kehendak pemiliknya, setelah mencukupi nominal yang ditentukan oleh Kementrian Agama dan telah mendapat porsi keberangkatan. Berkaitan dengan produk tabungan wadi’ah, Akad yang dipakai pada praktek tabungan haji di Bank yaitu wadi’ah yad dhamanah yaitu dana yang disetorkan oleh nasabah tersebut boleh dipergunakan oleh pihak Bank, dan pihak Bank memberikan bonus kepada pihak nasabah yang telah mempercayai Bank untuk diberi amanah agar menjaga dana tersebut. Namun demikian yang penting adalah bagaimana mencari solusi dalam pemanfaatan factor pendukung dan mengatasi factor penghambat dalam pelaksanaan akad wadi’ah itu sendiri","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"53 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89561284","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 : 2023-02-20DOI: 10.18326/muqtasid.v13i2.95-111
Kautsar Riza Salman
Profit-loss sharing financing is one of the leading business activities carried out by Islamic banks, including buying, selling, and leasing. Thus, it is important to identify the determinants of profit-loss sharing financing of Islamic banks. This study examines the effect of capital adequacy ratios, non-performing financing, third party funds, and profit-sharing rate on mudharabah deposits of Islamic banks in Indonesia. Eleven Islamic banks in Indonesia from 2015 to 2019 periode were selected as sample of the study using purposive sampling. Data analysis using Partial Least Square with SmartPLS software version 3.3.7. The study results indicate that third-party funds have a significant positive effect on profit-loss sharing financing. The increasing number of third-party funds that Islamic banks have collected from customers impacts increasing distribution in the form of profit-loss sharing financing. The study results also indicate that the capital adequacy ratio, non-performing financing, and profit-sharing rate on mudharabah deposits do not affect profit-loss sharing financing. The implications for Islamic banks are to maintain the amount of third-party funds collection and compliance with sharia principles.
{"title":"The Determinants of Profit-Loss Sharing Financing of Islamic Banks in Indonesia","authors":"Kautsar Riza Salman","doi":"10.18326/muqtasid.v13i2.95-111","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i2.95-111","url":null,"abstract":"Profit-loss sharing financing is one of the leading business activities carried out by Islamic banks, including buying, selling, and leasing. Thus, it is important to identify the determinants of profit-loss sharing financing of Islamic banks. This study examines the effect of capital adequacy ratios, non-performing financing, third party funds, and profit-sharing rate on mudharabah deposits of Islamic banks in Indonesia. Eleven Islamic banks in Indonesia from 2015 to 2019 periode were selected as sample of the study using purposive sampling. Data analysis using Partial Least Square with SmartPLS software version 3.3.7. The study results indicate that third-party funds have a significant positive effect on profit-loss sharing financing. The increasing number of third-party funds that Islamic banks have collected from customers impacts increasing distribution in the form of profit-loss sharing financing. The study results also indicate that the capital adequacy ratio, non-performing financing, and profit-sharing rate on mudharabah deposits do not affect profit-loss sharing financing. The implications for Islamic banks are to maintain the amount of third-party funds collection and compliance with sharia principles.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-02-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45596958","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 : 2023-01-31DOI: 10.33379/jihbiz.v7i1.2257
Prayogi Restia Saputra, Helmi Muhammad
Murabahah merupakan salah satu kontrak dalam transaksi keuangan syariah yang memiliki proporsi paling besar dalam dari semua transaksi keuangan syariah di Indonesia. Malangnya, penetapan harga murabahah masih menjadi masalah terkait dengan kepatuhan syariah. Penelitian ini bertujuan membedah sistem penetapan harga kontrak murabahah di salah satu bank syariah di kota Malang. Penelitian ini menggunakan pendekatan kualitatif deskriptif yang melibatkan staf dan dokumen-dokumen pemasaran Bank dimaksud. Pada akhir penelitian, ditemukan bahwa sistem penetapan harga pada kontrak murabahah identik dengan sistem bunga pada operasi bank konvensional. Sehingga, di akhir bagian artikel ini, direkomendasikan solusi alternatif untuk menghitung penetapan harga.
{"title":"Analisis Penetapan Harga dalam Kontrak Murabahah di Bank Syariah","authors":"Prayogi Restia Saputra, Helmi Muhammad","doi":"10.33379/jihbiz.v7i1.2257","DOIUrl":"https://doi.org/10.33379/jihbiz.v7i1.2257","url":null,"abstract":"Murabahah merupakan salah satu kontrak dalam transaksi keuangan syariah yang memiliki proporsi paling besar dalam dari semua transaksi keuangan syariah di Indonesia. Malangnya, penetapan harga murabahah masih menjadi masalah terkait dengan kepatuhan syariah. Penelitian ini bertujuan membedah sistem penetapan harga kontrak murabahah di salah satu bank syariah di kota Malang. Penelitian ini menggunakan pendekatan kualitatif deskriptif yang melibatkan staf dan dokumen-dokumen pemasaran Bank dimaksud. Pada akhir penelitian, ditemukan bahwa sistem penetapan harga pada kontrak murabahah identik dengan sistem bunga pada operasi bank konvensional. Sehingga, di akhir bagian artikel ini, direkomendasikan solusi alternatif untuk menghitung penetapan harga.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"6 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88836271","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 : 2023-01-31DOI: 10.33379/jihbiz.v7i1.2264
Aryanti Muhtar Kusuma, Alva Nailul Varokh
This study aims to analyse creative economy development of the religious tourism Makam Sunan Muria Kudus. This type of research is qualitative research with a field research approach. Methods of data collection by interviews, observation, use of documents, and triangulation. The subjects of this research are the government, intellectuals, and business actors in the area of Makam Sunan Muria Kudus. After the data is collected, the data is analysed by reducing data, presenting data, and verifying data. Based on the results of the research that has been carried out, it shows that the development of the creative economy that has been examined includes several activities such as crafts, fashion, and culinary. The efforts of business actors in developing the creative economy are to create jobs, increase income, and be consistent in running a business. The government's role in efforts to develop the creative economy is by improving the quality of human resources, holding socializations on the economy and employment, bringing in experts, assisting in product promotions, and providing capital loans. The role of intellectuals in efforts to develop the creative economy is to provide creative support and freedom to business actors, maintain infrastructure such as kiosks, and cooperate with BNI bank to provide capital loans.
{"title":"Creative Economy Development of The Religious Tourism Makam Sunan Muria Kudus","authors":"Aryanti Muhtar Kusuma, Alva Nailul Varokh","doi":"10.33379/jihbiz.v7i1.2264","DOIUrl":"https://doi.org/10.33379/jihbiz.v7i1.2264","url":null,"abstract":"This study aims to analyse creative economy development of the religious tourism Makam Sunan Muria Kudus. This type of research is qualitative research with a field research approach. Methods of data collection by interviews, observation, use of documents, and triangulation. The subjects of this research are the government, intellectuals, and business actors in the area of Makam Sunan Muria Kudus. After the data is collected, the data is analysed by reducing data, presenting data, and verifying data. Based on the results of the research that has been carried out, it shows that the development of the creative economy that has been examined includes several activities such as crafts, fashion, and culinary. The efforts of business actors in developing the creative economy are to create jobs, increase income, and be consistent in running a business. The government's role in efforts to develop the creative economy is by improving the quality of human resources, holding socializations on the economy and employment, bringing in experts, assisting in product promotions, and providing capital loans. The role of intellectuals in efforts to develop the creative economy is to provide creative support and freedom to business actors, maintain infrastructure such as kiosks, and cooperate with BNI bank to provide capital loans.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"71 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"85134036","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 : 2023-01-27DOI: 10.33379/jihbiz.v7i1.2183
H. Hajar
This study aims to describe the role of Islamic boarding schools in overseeing the halal supply chain in Indonesia. The research design uses a qualitative descriptive method with a phenomenological approach obtained from secondary data from the literature, journals, books and other relevant sources. The findings of this study indicate that pesantren has recently experienced significant developments, especially in terms of participating in economic empowerment and independence. This can be seen from the number of pesantren, both salaf, modern and semi-modern, which have begun to incorporate entrepreneurship curricula and carry out production activities and other types of business. This phenomenon proves that pesantren has a strategic role in overseeing the halal supply chain in Indonesia. There are two things that Islamic boarding schools can do in overseeing the halal supply chain: educate the public about the criteria for halal and haram ingredients. Second, conducting various business activities such as food and beverage production.
{"title":"The Role of Pesantren in Guarding the Halal Supply Chain in Indonesia","authors":"H. Hajar","doi":"10.33379/jihbiz.v7i1.2183","DOIUrl":"https://doi.org/10.33379/jihbiz.v7i1.2183","url":null,"abstract":"This study aims to describe the role of Islamic boarding schools in overseeing the halal supply chain in Indonesia. The research design uses a qualitative descriptive method with a phenomenological approach obtained from secondary data from the literature, journals, books and other relevant sources. The findings of this study indicate that pesantren has recently experienced significant developments, especially in terms of participating in economic empowerment and independence. This can be seen from the number of pesantren, both salaf, modern and semi-modern, which have begun to incorporate entrepreneurship curricula and carry out production activities and other types of business. This phenomenon proves that pesantren has a strategic role in overseeing the halal supply chain in Indonesia. There are two things that Islamic boarding schools can do in overseeing the halal supply chain: educate the public about the criteria for halal and haram ingredients. Second, conducting various business activities such as food and beverage production.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"38 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80913790","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 : 2023-01-25DOI: 10.33379/jihbiz.v7i1.2137
Dewi Maharani, Firdha Mulia
Penelitian ini untuk menilai sejauh mana pemahaman mahasiswa terkait pada bunga bank dan sistem bagi hasil pada bank dan Lembaga keuangan konvensional dan syariah, sehingga dapat mengukur minat mahasiswa menabung pada bank syariah. Penelitian dilaksanakan dengan sampel mahasiswa di Universitas Muhammadiyah Banjarmasin. Penelitian dilakukan secara kuantitatif dengan data primer. Pengolahan data dilakukan secara regresi linear berganda menggunakan SPSS, dengan melakukan uji asumsi klasik dan uji hipotesis. Dari hasil uji statistik yang dilakukan diperoleh hasil uji hipotesis dengan uji t pada variabel X1 memiliki t hitung sebesar 2,904 lebih besar dari t tabel yaitu (2,904 > 1,68488) dengan nilai signifikan 0,006 < 0,05 yang menunjukkan bahwa variabel pemahaman tentang bunga bank secara parsial memiliki pengaruh secara positif terhadap minat menabung pada bank konvensional. Sedangkan X2 memiliki t hitung sebesar 1,924 lebih besar dari t tabel yaitu (1,924 > 1,68488) dengan nilai signifikan 0,062 > 0,05) menunjukkan bahwa variabel pemahaman tentang bagi hasil secara parsial tidak berpengaruh positif terhadap minat menabung mahasiswa pada bank syariah. Artinya mahasiswa kurang memahami terkait sistem bagi hasil pada bank syariah, sehingga mahasiswa kurang tertarik dalam menggunakan jasa bank syariah.
{"title":"Pengaruh Pemahaman Tentang Sistem Bunga dan Bagi Hasil terhadap Minat Menabung pada Bank Syariah","authors":"Dewi Maharani, Firdha Mulia","doi":"10.33379/jihbiz.v7i1.2137","DOIUrl":"https://doi.org/10.33379/jihbiz.v7i1.2137","url":null,"abstract":"Penelitian ini untuk menilai sejauh mana pemahaman mahasiswa terkait pada bunga bank dan sistem bagi hasil pada bank dan Lembaga keuangan konvensional dan syariah, sehingga dapat mengukur minat mahasiswa menabung pada bank syariah. Penelitian dilaksanakan dengan sampel mahasiswa di Universitas Muhammadiyah Banjarmasin. Penelitian dilakukan secara kuantitatif dengan data primer. Pengolahan data dilakukan secara regresi linear berganda menggunakan SPSS, dengan melakukan uji asumsi klasik dan uji hipotesis. Dari hasil uji statistik yang dilakukan diperoleh hasil uji hipotesis dengan uji t pada variabel X1 memiliki t hitung sebesar 2,904 lebih besar dari t tabel yaitu (2,904 > 1,68488) dengan nilai signifikan 0,006 < 0,05 yang menunjukkan bahwa variabel pemahaman tentang bunga bank secara parsial memiliki pengaruh secara positif terhadap minat menabung pada bank konvensional. Sedangkan X2 memiliki t hitung sebesar 1,924 lebih besar dari t tabel yaitu (1,924 > 1,68488) dengan nilai signifikan 0,062 > 0,05) menunjukkan bahwa variabel pemahaman tentang bagi hasil secara parsial tidak berpengaruh positif terhadap minat menabung mahasiswa pada bank syariah. Artinya mahasiswa kurang memahami terkait sistem bagi hasil pada bank syariah, sehingga mahasiswa kurang tertarik dalam menggunakan jasa bank syariah.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"5 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75547667","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 : 2023-01-25DOI: 10.33379/jihbiz.v7i1.2184
Lia Kusumaning, M. N. Qomar
This study aims to analyse the effectiveness of the distribution of ZIS funds to the santri scholarship program at LAZISNU Kudus Regency. The purposes of this study are (1) to find out the implementation of the distribution of ZIS funds in the student scholarship program at LAZISNU Kudus Regency, (2) to determine the effectiveness of the distribution of ZIS funds to the student scholarship program at LAZISNU Kudus Regency, (3) to determine the supporting and inhibiting factors in the distribution of ZIS funds to the student scholarship program at LAZISNU Kudus Regency. The results of this study indicate that: First, LAZISNU Kudus Regency in distributing various programs, one of which is the santri scholarship program, implements a number of management functions consisting of: planning, organizing, implementing and distributing. Second, the student scholarship program at LAZISNU Kudus Regency has been effective, seen from the indicators of effectiveness, namely: 1) right on target in distributing ZIS funds to mustahik who come from underprivileged families. 2) provide encouragement to the mustahik in the field of education. 3) improve the quality of academic and non-academic achievements of mustahik. Third, the supporting factor is the cohesiveness between the administrators, the existence of cooperation with NU in Kudus Regency and Islamic boarding school foundations. The inhibiting factors are the problem of low human resources, the allocation of ZIS funds has not been productive, the lack of zakat funds, and some people are reluctant to distribute zakat to LAZISNU.
{"title":"The Effectiveness of the Distribution of ZIS Funds to the Santri Scholarship Program at LAZISNU Kudus Regency","authors":"Lia Kusumaning, M. N. Qomar","doi":"10.33379/jihbiz.v7i1.2184","DOIUrl":"https://doi.org/10.33379/jihbiz.v7i1.2184","url":null,"abstract":"This study aims to analyse the effectiveness of the distribution of ZIS funds to the santri scholarship program at LAZISNU Kudus Regency. The purposes of this study are (1) to find out the implementation of the distribution of ZIS funds in the student scholarship program at LAZISNU Kudus Regency, (2) to determine the effectiveness of the distribution of ZIS funds to the student scholarship program at LAZISNU Kudus Regency, (3) to determine the supporting and inhibiting factors in the distribution of ZIS funds to the student scholarship program at LAZISNU Kudus Regency. The results of this study indicate that: First, LAZISNU Kudus Regency in distributing various programs, one of which is the santri scholarship program, implements a number of management functions consisting of: planning, organizing, implementing and distributing. Second, the student scholarship program at LAZISNU Kudus Regency has been effective, seen from the indicators of effectiveness, namely: 1) right on target in distributing ZIS funds to mustahik who come from underprivileged families. 2) provide encouragement to the mustahik in the field of education. 3) improve the quality of academic and non-academic achievements of mustahik. Third, the supporting factor is the cohesiveness between the administrators, the existence of cooperation with NU in Kudus Regency and Islamic boarding school foundations. The inhibiting factors are the problem of low human resources, the allocation of ZIS funds has not been productive, the lack of zakat funds, and some people are reluctant to distribute zakat to LAZISNU.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"37 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82535753","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 : 2023-01-25DOI: 10.33379/jihbiz.v7i1.2233
Pertiwi Dias Sumaningrum, Annisa Fithria
Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi minat membayar zakat, termasuk pengetahuan zakat, akuntabilitas, kualitas pelayanan dan religiositas di BAZNAS Banjarnegara. Penelitian kuantitatif ini menggunakan 98 muzaki sebagai sampel, yang dipilih menggunakan metode purposive sampling dengan cara menyebarkan kuesioner kepada para responden yang telah memenuhi kriteria. Uji hipotesis dilakukan dengan analisis regresi berganda. Hasil penelitian menunjukkan bahwa kualitas pelayanan dan religiositas berpengaruh positif terhadap minat muzaki membayar zakat, sedangkan pengetahuan zakat dan akuntabilitas tidak berpengaruh terhadap minat muzaki membayar zakat di BAZNAS Banjarnegara.
{"title":"Faktor-faktor yang Mempengaruhi Minat Membayar Zakat di BAZNAS Banjarnegara","authors":"Pertiwi Dias Sumaningrum, Annisa Fithria","doi":"10.33379/jihbiz.v7i1.2233","DOIUrl":"https://doi.org/10.33379/jihbiz.v7i1.2233","url":null,"abstract":"Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi minat membayar zakat, termasuk pengetahuan zakat, akuntabilitas, kualitas pelayanan dan religiositas di BAZNAS Banjarnegara. Penelitian kuantitatif ini menggunakan 98 muzaki sebagai sampel, yang dipilih menggunakan metode purposive sampling dengan cara menyebarkan kuesioner kepada para responden yang telah memenuhi kriteria. Uji hipotesis dilakukan dengan analisis regresi berganda. Hasil penelitian menunjukkan bahwa kualitas pelayanan dan religiositas berpengaruh positif terhadap minat muzaki membayar zakat, sedangkan pengetahuan zakat dan akuntabilitas tidak berpengaruh terhadap minat muzaki membayar zakat di BAZNAS Banjarnegara.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"124 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"85711932","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: 10.18326/muqtasid.v13i2.160-177
Nofrianto Nofrianto, Aprila Yutegi
The Islamic equity mutual funds, initially exhibiting a relatively high average interest, experienced a significant decline in Net Asset Value (NAV) in 2020 - 2021 due to the COVID- 19 pandemic. Therefore, this study analyzed the impact of the COVID-19 pandemic on the NAV of Islamic equity mutual funds and the influence of macro and micro factors, such as inflation, exchange rate, Jakarta Islamic Index (JII) trading volume, and age of mutual funds. Data were collected from a sample of 11 companies registered with the Financial Services Authority from 2014 to 2021, using the purposive sampling technique to achieve this objective. Subsequently, the data collected were analyzed using the Panel Data Regression Method, and the Wilcoxon Signed Ranked Test. The results showed that the pandemic delayed economic activity, decreasing returns on sharia investment instruments, such as the NAV of Islamic equity mutual funds. JII, trading volume, and fund age were negatively affected compared to mutual inflation and exchange rate. This study provides information that regulators can use in formulating appropriate policies to minimize the adverse effects of Covid-19 on Islamic equity mutual funds, specifically in macroeconomic policies. Likewise, investment managers can consider internal factors when positioning Islamic equity mutual funds in the NAV
{"title":"COVID-19 and Its Impact on Islamic Equity Mutual Funds in Indonesia","authors":"Nofrianto Nofrianto, Aprila Yutegi","doi":"10.18326/muqtasid.v13i2.160-177","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i2.160-177","url":null,"abstract":"The Islamic equity mutual funds, initially exhibiting a relatively high average interest, experienced a significant decline in Net Asset Value (NAV) in 2020 - 2021 due to the COVID- 19 pandemic. Therefore, this study analyzed the impact of the COVID-19 pandemic on the NAV of Islamic equity mutual funds and the influence of macro and micro factors, such as inflation, exchange rate, Jakarta Islamic Index (JII) trading volume, and age of mutual funds. Data were collected from a sample of 11 companies registered with the Financial Services Authority from 2014 to 2021, using the purposive sampling technique to achieve this objective. Subsequently, the data collected were analyzed using the Panel Data Regression Method, and the Wilcoxon Signed Ranked Test. The results showed that the pandemic delayed economic activity, decreasing returns on sharia investment instruments, such as the NAV of Islamic equity mutual funds. JII, trading volume, and fund age were negatively affected compared to mutual inflation and exchange rate. This study provides information that regulators can use in formulating appropriate policies to minimize the adverse effects of Covid-19 on Islamic equity mutual funds, specifically in macroeconomic policies. Likewise, investment managers can consider internal factors when positioning Islamic equity mutual funds in the NAV","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45492412","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: 10.18326/muqtasid.v13i2.178-193
Bambang Iswanto, S. Alawiyah, K. Komariah, Idhafiyyah Anwar
As mergers can play a crucial role in enabling sharia banks to withstand intense competition, assessing their financial performance before and after a merger can provide valuable insights.. Therefore, this study analyzes the financial performance before and after the merger at Bank Syariah Indonesia. In analyzing the data, the comparative descriptive method was used by comparing the financial statements and the Good Corporate Governance report of Bank Syariah Indonesia for one year. The Risk-Based Bank Rating (RBBR) method, which includes four assessment factors, namely Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC), was applied to assess the performance of the bank using NPF, FDR, GCG, ROA, ROE, NIM, BOPO, and CAR ratios. The data analysis used descriptive statistics, Shapiro-Wilk, and Wilcoxon Signed Rank Tests. Based on the analysis, the percentage difference in the BOPO and NIM ratios was the largest and lowest, which were 6.16% and 0.08%. Furthermore, there was a significant difference in the financial performance of Bank Syariah Indonesia before and after the merger, which became increasingly healthy. This study has implications for bank assessment policies, as it highlights the need to consider various factors to assess the output scale produced in the bank.
{"title":"Financial Performance of Bank Syariah Indonesia (BSI) Before and After Merger","authors":"Bambang Iswanto, S. Alawiyah, K. Komariah, Idhafiyyah Anwar","doi":"10.18326/muqtasid.v13i2.178-193","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i2.178-193","url":null,"abstract":"As mergers can play a crucial role in enabling sharia banks to withstand intense competition, assessing their financial performance before and after a merger can provide valuable insights.. Therefore, this study analyzes the financial performance before and after the merger at Bank Syariah Indonesia. In analyzing the data, the comparative descriptive method was used by comparing the financial statements and the Good Corporate Governance report of Bank Syariah Indonesia for one year. The Risk-Based Bank Rating (RBBR) method, which includes four assessment factors, namely Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC), was applied to assess the performance of the bank using NPF, FDR, GCG, ROA, ROE, NIM, BOPO, and CAR ratios. The data analysis used descriptive statistics, Shapiro-Wilk, and Wilcoxon Signed Rank Tests. Based on the analysis, the percentage difference in the BOPO and NIM ratios was the largest and lowest, which were 6.16% and 0.08%. Furthermore, there was a significant difference in the financial performance of Bank Syariah Indonesia before and after the merger, which became increasingly healthy. This study has implications for bank assessment policies, as it highlights the need to consider various factors to assess the output scale produced in the bank.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43319273","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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