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Afried Lazuardi
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Zhafir | Journal of Islamic Economics, Finance, and Banking
Published by Penerbit Media Wawasan Ilmu
ISSN : 26858851     EISSN : 27148017     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
The Zhafir | Journal of Islamic Economics, Finance, and Banking is a Peer Reviewed, Open Access International Journal. Notably, it is a Referred, Highly Indexed, Monthly, Online International Journal with High Impact. Zhafir | Journal of Islamic Economics, Finance, and Banking is published as a Monthly Journal with 2 issues per year. We also assist International and National Conference to publish their conference papers. Zhafir | Journal of Islamic Economics, Finance, and Banking covers all disciplines including Islamic Study. Zhafir | Journal of Islamic Economics, Finance, and Banking always strives to be a platform for Academicians, new Researchers, Authors, Engineers and Technocrats and Engineering Scholars. Since inception, Zhafir | Journal of Islamic Economics, Finance, and Banking is continuously publishing original and best quality research articles.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 2 Documents
 1 
Search results for , issue "Vol 3 No 2 (2021): Zhafir | Journal of Islamic, Economics, Finance, and Banking" : 2 Documents clear
Analisis Faktor-Faktor Yang Mempengaruhi Minat Generasi Milenial JABODETABEK Memilih Bank Syariah umiyati, Umiyati; Harahap, Novia Melati
Zhafir | Journal of Islamic Economics, Finance, and Banking Vol 3 No 2 (2021): Zhafir | Journal of Islamic, Economics, Finance, and Banking
Publisher : Kopertais Wilayah I DKI Jakarta dan Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51275/zhafir.v3i2.224

Abstract

This study aims to determine the factors that influence the choice of Islamic banking in the millennial generation JABODETABEK. In this study a sample of 150 respondents was taken by distributing questionnaires through Google form. To analyze this study the authors used an analysis tool that is factor analysis, and data processing using SPSS Version 24. The results of this study indicate that there are seven factors that influence the selection of Islamic banking in the millennial generation JABODETABEK. The seven factors are: factor 1 Physical evidence, factor 2 quality of service offered, factor 3 people, factor 4 influence of others, factor 5 hospitality and competence of bank staff, factor 6 sharia, and factor 7 facilities offered. The results of this study indicate that the most dominant factor among the seven factors is the quality of service offered with value 0,784, while the lowest value is the cost factor physical evidence with value 0,375.
Pengukuran Potensi Kerugian Pembiayaan Berbasis Profit and Loss Sharing (PLS) dengan Pendekatan Value At Risk (VAR) Anggraeni, Rr Tini
Zhafir | Journal of Islamic Economics, Finance, and Banking Vol 3 No 2 (2021): Zhafir | Journal of Islamic, Economics, Finance, and Banking
Publisher : Kopertais Wilayah I DKI Jakarta dan Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Sharia Banks have uncertain returns. This is because Islamic banks cannot determine with certainty at the beginning how much return must be determined at the beginning. The yield obtained is adjusted to the acquisition of revenue from Shahibul Mall. Uncertain yields certainly have the potential for uncertain gains and losses. Uncertain yields are most felt in mudharabah and musyarakah financing based on Profit and Loss Sharing (PLS). The high return is in line with the high risk. Based on preliminary observations, mudharabah and musyarakah financing have higher returns compared to other types of financing. For this reason, it is necessary to measure the potential losses faced by mudharabah and musyarakah financing so that depositors and shahibul mal customers can predict the rate of return generated on mudharabah and musyarakah financing. Using the Value at Risk (VAR) approach, it is hoped that the results of this study can be used as a reference for decision makers to determine the equivalent rate of profit sharing that can be used as a reference in placing funds, especially in mudharabah and musyarakah financing.

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