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Hazas Syarif
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Al-Mashrof: Islamic Banking and Finance
Published by Universitas Islam Negeri Raden Intan Lampung
ISSN : 27747166     EISSN : 27463877     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Mashrof : focused on primary studies: Islamic Finance, Islamic Banking, Islamic Accounting, Islamic Management, and halal markets, has initiated the development of global economic advantages. Islamic based economics could not be seen as independent variable standing on side-by-side with conventional economic system. Al-Mashrof Journal of Islamic Banking and Finance is dedicated to provide an intellectual space of scholarly discussion how the Islamic economics able to create the new global formation of Islamic economics, business and similar issues.
Arjuna Subject : Umum - Umum
Articles 5 Documents
 1 
Search results for , issue "Vol 4, No 1 (2023): Al-Mashrof: Islamic Banking and Finance" : 5 Documents clear
Pengaruh Kualitas Pelayanan, Promosi Dan Pengetahuan Tentang Produk Al-Wadiáh Terhadap Keputusan Nasabah Menabung Di Bank Syariah Indonesia Kantor Cabang Pembantu Kedaton Bandar Lampung Dwi Susanti; Femei Purnamasari; Diah Mukminatul Hasyim
Al-Mashrof: Islamic Banking and Finance Vol 4, No 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.16482

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh dari Kualitas pelayanan, Promosi dan Pengetahuan tentang produk Al-Wadi’ah terhadap keputusan nasabah menabung dibank syariah (Studi Pada Nasabah di BSI KCP Kedaton Bandar Lampung). Penelitian ini menggunakan jenis penelitian kuantitatif, dengan sumber data yaitu data primer. Jumlah sampel pada penelitian ini sebanyak 100 responden yaitu nasabah BSI yang menggunakan produk tabungan Wadi’ah dan tempat penelitian dilakukan pada BSI KCP Kedaton Bandar Lampung. Hasil penelitian pada uji t untuk variabel kualitas pelayanan memperoleh nilai t hitung sebesar 2.919 lebih besar dari nilai t Tabel yaitu 1.988. dan untuk nilai signifikasi memperoleh nilai 0.04 < 0.05, variabel promosi memperoleh nilai t hitung sebesar 1.383 lebih kecil dari nilai T tabel yaitu sebesar 1.988, dan untuk signifikansi memperoleh nilai 0.170 > 0.05, Variabel Pengetahuan tentang produk Al-Wadi’ah Nilai memperoleh t Hitung sebesar 0.797 lebih kecil dari nilai t Tabel yaitu sebesar 0.560 lebih kecil dari nilai T tabel yaitu sebesar 1.988, dan untuk signifikansi memperoleh nilai 0.577 > 0.05. 
Analysis of Paylater Customer Intentions in E-Commerce with the Planned Behavior Method Theory Approach Al Haq Kamal; Mohammad Tahir Cheumar; Hasanah Hasanah; Tyagita Dianingtyas Sudibyo
Al-Mashrof: Islamic Banking and Finance Vol 4, No 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.17485

Abstract

This study aims to examine the effect of attitudes on behavior, subjective norms, perceived behavioral control, behavioral intentions, and behavior in implementing the shopee paylater payment system (buy now pay later) in generation Z in Caturtunggal, Depok, Sleman, Yogyakarta. This research is descriptive quantitative. The population in this study is generation Z with criteria ranging from 18 years to 30 years who have or are currently buying products at e-commerce shopee using the paylater payment system. The sampling technique used purposive sampling with a total sample of 100 respondents. The type of data used is primary data obtained by distributing questionnaires through questionnaires. The data analysis technique used is the Partial Least Square (PLS) approach using Smartpls 4 software. The results of the research based on the analysis of the regression coefficients (t-statistics and p-value) show that the attitude variable has a negative and insignificant effect on the behavioral intention variable. subjective norm variable has a negative and insignificant effect on behavioral intention variable. the variable perceived behavioral control has a negative and insignificant effect on the behavioral intention variable. perceived behavioral control variables have a positive and significant effect on behavioral variables. Then the behavioral intention variable has a positive and significant effect on the behavior variable or generation Z behavior.
Dynamics of Islamic Banks in the Digital Transformation Era Yudhistira Ardana; Anggita Nur Khofifah; Dewi Puji Lestari
Al-Mashrof: Islamic Banking and Finance Vol 4, No 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.17186

Abstract

Islamic banking has developed significantly over the past four decades and today has a global reach. One of the factors hindering Islamic banking in the coming decades is in the realm of financial technology (known as Fintech). Traditional financial methods will be abandoned in the digital age. This study will discuss the topic of financial innovation and technology in Islamic finance, as well as its Islamic parameters. This study employs qualitative secondary techniques using inductive methods to investigate primary data and on the topic, as well as descriptive methods to characterize the growth of fintech in the operations and practices of the Islamic banking industry. Based on the results of the study in this study, all innovations in Islamic finance need to be appreciated and can be seen as benefits (maslahah) for users (customers) and the financial industry as a whole. The results of this study also emphasize the relationship between fintech and shariah compliance which then recommends putting in place a comprehensive shariah governance framework to ensure that fintech operations are fully shariah compliant. Furthermore, authorities and regulators should adopt shariah standards that specifically identify shariah identifications that are important to fintechs.
Analisis Tanggung Jawab Perbankan Syariah Dalam Meningkatkan UMKM Di Kota Medan Eka Khayana Putri; Mustapa Khamal Rokan; Muhammad Syahbudi
Al-Mashrof: Islamic Banking and Finance Vol 4, No 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.16058

Abstract

This study aims to identify and examine the responsibilities, as well as the difficulties encountered and the efforts made by PT Bank Syariah Indonesia, Tbk KC Medan S.Parman to increase MSMEs in Medan City. Qualitative research methods are used in this study. Both primary and secondary data sources. The results of the study show that PT Bank Syariah Indonesia, Tbk KC Medan S.Parman is very responsible and contributes actively to the National Economic Recovery (PEN). Has provided financing of up to IDR 36 billion to more than 180 customers in Medan City for various MSME sectors from 2021 to 2022. Access to capital and financing. The obstacles encountered are the lack of innovation, and the lack of business licenses. Efforts are being made to develop MSME centers in Aceh, Yogyakarta and Surabaya, Indonesia, offering the KUR Cluster Program and a number of KUR products, including KUR BSI, KUR BSI Small, KUR BSI Micro, and KUR BSI Super Micro, to help MSMEs get access to capital and financing. In order to advance MSMEs in Indonesia.
Analisis Penerapan Sistem Pembayaran Cashless Menggunakan Quick Response Code Indonesian Standard (QRIS) di Kantin UIN Raden Intan Lampung Alvin Destian Ronaldi; Alvi Choiriah; Ghina Asmalia; Zathu Restie Utamie
Al-Mashrof: Islamic Banking and Finance Vol 4, No 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.17310

Abstract

 This research is classified as a type of qualitative descriptive research. Sources of data in this study using the types of primary data and secondary data. Data collection techniques in the form of observations and interviews to find out information about the financing and payment models of the Cashless System which are developing and widely used in UIN KH. Abdurrahman Wahid, Pekalongan. After getting the data through observation and interviews, the next is the method of data analysis. After getting the data, the next step is data reduction. This is done to make it easier for researchers when looking for data and make it easier to collect data so that it can be more clearly shown in the form of an overview on the data that has been reduced. The next stage is the presentation of the data and then drawing conclusions that can explain the results of the research conducted. The results of this study state that technological advances, especially on the financial transaction side, are also affected, such as Non-Cash payments with various channels, including: E-Wallet, M-Banking, and so on. Many benefits are obtained by the community, especially students in the UIN KH area. Abudrrahman Wahid in this Cahsless / Non- Cash payment system, including in Non-Cash payment transactions in the Campus Canteen area using the QRIS Code, UKT (Single Tuition Fee) payments through M-Banking BSI, BTN and so on.

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