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Husni Shabri
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Al-bank: Journal of Islamic Banking and Finance
Published by Institut Agama Islam Negeri Batusangkar
ISSN : 27979466     EISSN : 27978265     DOI : DOI: http://dx.doi.org/10.31958/ab.v1i1
Core Subject : Economy,
Economics, Econometrics & Finance
The scope of the albank journal accepts articles in the field of Islamic banking and finance which include: Funding dan Financing Islamic Banking, Sharia Financial Technology, Asset and Liability Management Islamic Banking, Islamic Bank Treasury Management, Islamic Bank Liquidity Management, Islamic Bank Capital Structure, Islamic Bank Fund Management, Islamic Bank Risk Management, Islamic Bank Marketing Management, Sharia Bank Operational Management, Foreign Exchange Management, Measuring the Health of Islamic Banks, Sharia Banking Regulation, Central Bank, Financial Stability, Sharia Bank Performance, Sharia Monetary and Fiscal Policy.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 42 Documents
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Pemberian Hadiah Pada PT BPRS Gajahtongga Kotopiliang Kota Sawahlunto Yenni Puspita Sari; Zainuddin Zainuddin
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (70.245 KB) | DOI: 10.31958/ab.v1i2.3307

Abstract

This study examines the prizes given by PT. BPRS Gajahtongga Kotopiliang City of Sawahlunto on savings and financing products. The problem in this research is that the bank's wadi’ah savings product promises to give a gift in the form of a bonus in the form of an increase in the balance and the bank also gives bonuses to customers who pay installments on time in the form of money said at the beginning of the contract. The type of research used is field research with descriptive analytical methods that use economic fiqh theory. The data sources used are primary and secondary data sources, while the data collection techniques used are interviews and documentation. The result of this research is that the gift given by PT BPRS Gajahtongga Kotopiliang in the form of a bonus to customers on the wadi'ah savings product is not yet in accordance with the DSN Fatwa NO: 86 / DSN-MUI / IX / 2012 regarding the prize in raising funds in Islamic Financial Institutions, while the provision of a loan installment bonus if the purpose is to discipline customers in paying their legal debt. However, the system for awarding bonuses is not in accordance with the provisions of prizes at Islamic Financial Institutions
Perbandingan Kinerja Bank Pembiayaan Rakyat Syariah dan Bank Perkreditan Rakyat di Indonesia Aniesatun Nurul Aliefah; Lilis Renfiana
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (631.713 KB) | DOI: 10.31958/ab.v1i2.4262

Abstract

The purpose of this study is to compare the performance of The Conventional Rural Bank (BPR) and Islamic Rural Bank (BPRS) in Indonesia using the REC method which consists of a risk profile, earnings, and capital during the 2015-2017 period. The risk profile factor is represented by the NPF indicator, income is represented by ROA and capital is represented by CAR. By using the purposive sampling method, as many as 43 Islamic Rural Bank (BPRS) and 63 Conventional Rural Bank (BPR) were obtained from secondary data sourced from annual financial reports published on the bank's official website. The analysis technique was then carried out using the Mann-Whitney-U test to compare the performance of the two banks. The results of this study indicate that there is a significant difference in NPF between the two banks at a significance level of 0.006; There is no significant difference in ROA and CAR between Islamic general financing banks and rural credit banks in Indonesia at the ROA significance level of 0.070 and CAR 0.239, respectively. The implication of this research implies that the performance of Islamic BPRs still has a great opportunity to develop in the future and is a big challenge, especially for the management of Indonesian Islamic BPRs and the central bank (Bank Indonesia) as a bank. regulators.
Penyusunan dan Penyajian Laporan Keuangan di Lembaga Keuangan Syariah Himyar Pasrizal; Fajrur Rahmi
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (582.888 KB) | DOI: 10.31958/ab.v1i2.2758

Abstract

The purpose of this study is to provide knowledge on the preparation and position of each item contained in the transaction report on sources and uses of qardhul hasan fund and financial report on sources and zakat fund. The research method in this article is descriptive qualitative research by analyzing the two types of financial statement in islamic financial institution. The result in this study are the source and us of qardhul hasan fund in islamic financial institution sourced from infaq fund, alms, and result from the management of waqf fund and non halal income fund. Meanwile in the financial statement, the sources and uses of zakat fund come from zakat fund obtained from internal parties of islamic financial institution and external parties, namely people who are not customer of islamic financial instutions.
Pengaruh Corporate Social Responsibility Terhadap Nilai Perusahaan Dengan Profitabilitas Sebagai Variabel Moderating Rival Rohmawan; Yeni Oktaviani; Pitri Yandri
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (569.491 KB) | DOI: 10.31958/ab.v1i2.3177

Abstract

This study aims to test the effect of CSR on firm value (stock price) with profitability as a moderating variable with quantitative approach on the 7 manufacturing companies listed in Indonesia stock Exchange (BEI) in the period from 2013 to 2019, so there are 49 observational data acquired. The sampling method using purposive sampling with the criteria that have been determined. Data analysis method used is the analysis of panel data regression with the aid of EViews 10. The results showed that CSR does not affect the Profitability of the proxies ROA can not strengthen the influence of CSR on stock price. Simultaneously, CSR and profitability as a moderating effect on stock prices.
Apakah Dana Pihak Ketiga dan Tatakelola Yang Baik Dapat Meningkatkan Kinerja Bank Syariah Dalam Perspektif Nasabah? Munadiya Nurimani; Sepky Mardian; Erina Maulidha
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5428

Abstract

This research aims to test the effect of third-party funds and good corporate governance on the performance of Islamic banks in the customer's perspective. From the customer perspective, the performance of Islamic banks is proxied by the level of profit-sharing for depositors. With the positivism paradigm, the sample data of Islamic commercial banks selected based on the availability of governance reports is processed using regression panel data. Fixed effect model is a selected model that is also validated based on the classic assumption test. This research finding can explain that the better the company's governance, the better the performance of Islamic banks. The implementation of effective corporate governance can safeguard the interests of customers and shareholders. This finding further strengthens the argument for the urgency of governance in improving the performance of Islamic banks. But the large level of third-party funds cannot afford to be a control over revenue sharing increases for the investment account holder. This finding has implications that Islamic bank management must be more consistent in implementing effective corporate governance for the benefit of customers and shareholders.
Analisis Fundamental dan Teknikal Saham PT. Bank BTPN Syariah Tbk Meidya Putri; Husni Shabri
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.4326

Abstract

The purpose of this study is to determine whether the company's fundamental performance is in line with stock price movements in the Capital Market. The research was conducted using a qualitative descriptive method. The analysis technique is fundamental analysis and technical analysis of PT. Bank BTPN Syariah Tbk. The data used are financial reports and stock trading statistics obtained from the Indonesia Stock Exchange. The results showed that the fundamental performance since 2015-2019 as measured by EPS, ROE, ROE and PER showed very good growth. Meanwhile, along with the ongoing pandemic in 2020, there was a decline in fundamental performance with indicators of EPS, ROE, ROA dropping significantly. Meanwhile, in terms of technical analysis, it is in line with the company's performance. Where from 2018 to 2019 the stock price experienced an uptrend (increase) phase and PER was at 14-15x, which means the stock price was considered cheap (undervalued). Meanwhile in 2020, along with the decline in fundamental performance, the movement of BTPS stock prices experienced a downtrend phase with stock valuations being quite expensive (overvalued) at 43x.
Analisis Penilaian Kesehatan Bank Menggunakan Metode Risk Profile, Earning dan Capital Pada BPRS Hulfa Raihani
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.4818

Abstract

The aim of this research to was find out the health level Islamic Rural Banks in West Sumatra Province for the 2014-2018 period using the Risk Profile, Earning, and Capital methods. This research used a quantitative approach that was supported by the use of descriptive statistical analysis. The results show that this study can be concluded that during 2014-2018 based on several financial ratios that exist in the RGEC method, namely Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return on Asset (ROA), Return on Equity (ROE), Beban Operasional Pendapatan Operasiona (BOPO) and Capital Adequacy Ratio (CAR) at Islamic Rural Banks , which consists of PT BPRS Ampek Angkek Canduang, PT BPRS Carana Kiat Andalas, and PT BPRS Haji Miskin as a whole are ranked less healthy (PK-4), with a composite value of 56.66%,
Pengaruh Word Of Mouth Terhadap Keputusaan Mahasiswa Himpunan Mahasiswa Kecamatan Bantan Memilih Bank Syariah Nur Azlina; Noratika Noratika
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5348

Abstract

This study aims to determine the effect of word of mouth on the decision of Kecamatan Bantan students to choose Islamic banks. The research method uses a quantitative descriptive approach. The population is all students in the Kecamatan Bantan student association with a total of 157 people. The number of samples is 61 people with the sampling technique used is the random sampling method. The data analysis technique used simple linear regression. The marketing level of word of mouth (X) in the Bantan sub-district student association is included in the high category, namely 76.58%. The decision level (Y) is included in the high category, namely 80.20%. The results showed that the word of mouth variable had an effect on students' decisions to choose Islamic banks. The results of the study can be considered by Islamic banks in making policies.
Profitabilitas PT BCA Syariah : Analisis Determinan Dana Pihak Ketiga, Modal Dan Financing To Deposit Rasio Husni Shabri; Anggia Nofasari
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5507

Abstract

This study aims to analyze the effect of Third Party Funds and Capital on the Net Profit of PT BCA Syariah for the period 2011-2020 with the Financing to Deposit Ratio as the Intervening variable. This type of research is quantitative research with quantitative descriptive methods. Data collection techniques using documentation with secondary data sources in the form of quarterly financial statements of PT BCA Syariah. The data analysis technique used path analysis which was processed with SPSS 26 software. The results showed that Third Party Funds directly had a significant influence on the Net Profit of PT BCA Syariah. Likewise, capital directly has a significant effect on Net Profit. Third Party Funds and Capital indirectly through the Financing to Deposit Ratio have no effect on the Net Profit of PT BCA Syariah for the 2011-2020 period. This research can be an input for PT BCA Syariah in making policies related to increasing company profitability  
Hubungan Risk Profile Dengan Kinerja Keuangan Bank Panin Dubai Syariah 2016-2020 Firdaus Firdaus; Imam Fakhruddin; Jamiah Jamiah; Fitri Saphira; Sahyu Safhira; Saifullah Saifullah
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5453

Abstract

This research was conducted to examine the correlate of Risk Profile (Non Performing Financing (NPF) and Financing Deposite Ratio (FDR) to Return on Asset (ROA).This research uses quantitatif method. The population of this research is the financial report Panin Dubai Syariah bank period 2016 through 2020. Sensus sampling method were used as samples determining, whre all the population is sampled. Analysis method with correlation pearson. The result of the research is Non Performing Financing/NPF has negative correlated and significant with Return on Asset (ROA) and Financing Deposite Ratio (FDR) has negative correlated and significant with Return on Asset (ROA). The implication of this research is that the poor NPF and FDR of Panin Dubai Syariah Bank have an impact on the company's ability to generate profits. High NPF and FDR lead to a decrease in ROA. For this reason, Panin Dubai Syariah Bank needs to maintain NPF and FDR in accordance with the minimum standards set by Bank Indonesia

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