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Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : 25974904     EISSN : 26205661     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
This journal contains writings of research results or theoretical studies related to economics, finance and sharia banking.This journal is published by the Department of Islamic Banking Faculty of Economics and Islamic Business UIN Alauddin Makassar. This journal is published in 2 (two) editions every year, October and April editions.
Arjuna Subject : -
Articles 6 Documents
 1 
Search results for , issue "Vol 7 No 1 (2023): April 2023" : 6 Documents clear
Integration of using Fintech and social media for the Sustainability Halal Business in Pesantren Nur Syamsu; Syaakir Sofyan; Sitti Aisya; Muthmainnah MD
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 1 (2023): April 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i1.32934

Abstract

The urgency of Fintech and social media in halal business to realize Halal Value Chain (HVC) That support the addition of economic value for halal businesses including business activities at Islamic boarding schools in the Society 5.0 era. The purpose of this study is to analyze the optimization of the integration of the use of financial technology and social media in halal businesses managed by Islamic boarding schools to achieve the SDGs in the 5.0 era. This study uses phenomenology with data sources from Islamic boarding schools in Central Sulawesi. This study uses phenomenology with data sources from Islamic boarding schools in Central Sulawesi. The results of the study indicate the optimization of the integration of the use of fintech and social media in halal business activities in the form of recording transactions, analysis of financial reports, decision making, market mapping, product innovation, resilience, and building and maintaining business networks.
Sharia Financial Literacy And Inclusion In Islamic Boarding Schools Of Rabithah Of Islamic Ma'ahid Of Nahdlatul Ulama DKI Jakarta Nur Hidayah; Abdul Azis; Nadhil Novarel Mathari; Tira Mutiara
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 1 (2023): April 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i1.36027

Abstract

This study aims to determine the index of Islamic financial literacy and inclusion in Islamic boarding schools with a case study at RMI NU DKI Jakarta and analyze the effect of Islamic financial literacy and inclusion on welfare proxied by Maqashid Sharia. Primary data analyzed with descriptive statistics to measure the Islamic financial literacy and inclusion index; and SEM-PLS to analyze the effect of Islamic financial literacy and inclusion on welfare proxied by Maqashid Sharia. The results showed that 34% of respondents had Islamic financial literacy and inclusion index well-literate, 57% in sufficient literate, and 9% in less literate. Islamic financial literacy has a significant positive effect on welfare proxied by Maqashid Sharia. Meanwhile, Islamic financial inclusion has a positive but insignificant effect. The government and Islamic financial institutions must increase the socialization of Islamic financial literacy in Islamic boarding schools and increase access to finance by adequate supporting infrastructure.
The Role of Islamic Banks in Indonesia: A Systematic Literature Review Mahmud Yusuf; Parman Komarudin; Muhamad Rahmani Abduh; Sri Ana Farhanah; Hayatun Nafisah
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 1 (2023): April 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i1.36115

Abstract

ABSTRACT This study aims to determine the extent to which the role of Islamic banks in the economy in Indonesia. The method used in this research is a systematic literature review which begins with data collection using the Publish or Perish search engine, the assessment is carried out through the websites https://sinta.kemdikbud.go.id/ and https://garuda.kemdikbud.go .id/, to presentation using content analysis techniques, mapping with Vosviewer, and ending with analysis using Biddle's Role Theory. Based on a systematic literature review conducted on 22 Sinta-indexed national journals for the 2017-2022 period, it was found that Islamic banks have an important role in Indonesia, namely as; driving economic growth, assisting the development of MSMEs, assisting the development of the halal industry, helping to tackle the Covid 19 pandemic, and several other roles. Judging from Biddle's Role Theory; 1) Structurally, Islamic banks in Indonesia have played their role as financial institutions through raising investment funds from third parties and channeling financing, 2) Functionally, Islamic banks in Indonesia function as drivers of national and regional economic growth, providers of capital for MSMEs, providers of financing and supporting facilitators for the halal industry, to help tackle Covid 19 through digitalisation of Islamic banking, services that implement health protocols, assistance in procuring Personal Protective Equipment (PPE), assistance with KUR distribution, providing relief for customers affected by the pandemic, and maximizing CSR programs, 3) Interactionally, the role of Islamic banks in Indonesia has not been very effective due to interaction problems in the form of a lack of socialization, promotion, community literacy, and access to Islamic banks which are relatively difficult to reach.
Assessment Financial Distress of Islamic Banking in Indonesia Before and During Covid-19 Mufidah Syamsuddin; Asyari Hasan
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 1 (2023): April 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i1.36677

Abstract

This study aims to measure the level of financial distress of Islamic banking in Indonesia before and during Covid-19. The research method used is the Modified Altman Z-Score method. The sampling technique in this study used a purposive sampling technique so that there were 5 Islamic Commercial Banks as research samples, namely BCA Syariah, KB Bukopin Syariah, Bank Victoria Syariah, Bank Panin Dubai Syariah, and Bank Aladin Syariah. They use quarterly financial report data for the 2018-2019 research period (before covid-19) and 2020-2021 (during covid-19). The sampling technique used purposive sampling techniqueVariables in this study use variables from the Altman Z-Score analysis, namely WCTA, RETA, EBITTA, and BVEBVL variables. The results of this study indicate that during Covid-19, there were 3 Islamic Commercial Banks that were in a healthy condition or safe zone for two consecutive years, namely KB Bukopin Syariah, Bank Victoria Syariah, and Bank Aladin Syariah,2 Sharia Commercial Banks in distress zone and gray zone conditions namely BCA Syariah and Panin Dubai Syariah. In contrast, during covid-19, only two banks were in good health for two consecutive years, namely KB Bukopin Syariah and Bank Aladin Syariah. The other three banks are in a safe zone, gray zone, and distress zone, namely BCA Syariah, Bank Victoria Syariah, and Bank Panin Dubai Syariah.
Economic Business Development for the People Through Optimizing the Role of Islamic Boarding Schools in a Pandemic Period Murtiadi Awaluddin; Ilham Gani; Sri Prilmayanti Awaluddin
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 1 (2023): April 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i1.33479

Abstract

The purpose of this study was to determine the model of developing the people's economic business through optimizing the role of pesantren during the pandemic and to design the role of pesantren in supporting village economic resilience. This type of research is a field research. The research location is located in Darud Da'wah Wal-Irsyad Islamic Boarding School (Ponpes) Mangkoso, Barru Regency. The approach in this research is a phenomenological approach and a participation action research approach. The analysis technique in this study uses Huberman and Miles qualitative analysis data. The conclusions of this study are (1) the economic business development model of the people through optimizing the role of Islamic boarding schools during the pandemic at the DDI Mangkoso Islamic Boarding School has been running well; (2) the role of pesantren in supporting village economic resilience is very potential.
KOMPETENSI ALUMNI EKONOMI SYARIAH DALAM PERANNYA PENINGKATAN SUMBERDAYA MANUSIA PADA INDUSTRI HALAL Muhammad Aswad
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 1 (2023): April 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i1.34668

Abstract

The number of graduates on Islamic economics degree whose careers in the halal industri sector are limited due to low number of graduates who are certified in HR management in companies. This is of an objective conditions faced by graduates who hold Islamic Economics today. This indicates that there is a gap in terms of number of graduates who are able to be absorbed by the halal industri sector and Islamic financial institutions where only 9.1% are in accordance with their university educational background. There is a disparity in the competence and qualifications of human resources since the graduates are not equipped with adequate technical competence as required by the industri. This study used Interpretative Structure Modelling (ISM) method to examine efforts in structuring the complex needs, goals, actors and competence constraints of graduates from a model system. The results of this study revealed that the key elements of competency requirements are (1) the need for Islamic economics graduates to have hard skill and soft skill competencies. (2) the actors of competency development are Higher Education Institutions (3) The goal of competence is to create skilled human resources, (4) the obstacle in developing competence is the incompatibility of the higher education curriculum with industri needs.

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