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Velocity: Journal of Sharia Finance and Banking
Published by Institut Agama Islam Negeri Pekalongan
ISSN : 2797247X     EISSN : 27971546     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Velocity: Journal of Sharia Finance and Banking is a journal that provides authoritative scientific information sources for researchers and academics in academia, research institutions, government agencies, and industry. ISSN Print is 2797-247X and Online is 2797-1546. We publish original research papers, review articles and case studies focused on Islamic Finance and Banking as well as related topics. All papers were peer reviewed by at least two reviewers. This journal is maintained and published by Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan. Velocity: Journal of Sharia Finance and Banking is a journal that publishes articles covering Sharia Financial Institution Information System, Management of Sharia Financial Institutions, Sharia Financial Institution Risk Management Sharia Financial Institution Marketing Liquidity Management of Sharia Financial Institutions Sharia Financial Institutions Ethics Sharia Financial Institution Law Analysis of the financial statements of Sharia Financial Institutions
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 42 Documents
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Persepsi Pelaku Umkm Batik Kabupaten Pekalongan Terhadap Financial Technology Syariah Hidayatullah, Muhammad Syarif; Nassarrudin, Razie Bin; Mashudi, Mashudi
Velocity: Journal of Sharia Finance and Banking Vol 1 No 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1059.493 KB) | DOI: 10.28918/velocity.v1i2.4319

Abstract

This study aims to determine and explain the perceptions of batik SMEs in the area of ​​wiradesa that are carried out in an effort to advance technology in this case is Islamic financial technology and explain how interested batik SMEs in the Wiradesa area are in conducting Islamic financing or peer to peer lending in sharia in Islamic financial technology. This research is a field research with a qualitative approach. To get valid data, the authors use data collection methods, namely interviews, documentation, and observation. There are two data sources in this study, namely primary data sources and secondary data sources. The results of this study stated that the perception of batik SMEs in the Wiradesa Region did not yet know or were unfamiliar with sharia financial technology and had an interest in participating in sharia financing in sharia financial technology on the grounds that sharia financing used sharia principles in the contract which made the SMEs of Batik feel not too anxious in running his business. And the SMEs of Batik in the Wiradesa Region also hope to hold a socialization about the use of services from Islamic financial technology providers to be able to understand the use of technology easily.
Analisis Motivasi Pinjaman Nasabah Pada Rentenir Berdasarkan Prinsip Pembiayaan Syariah Nina, Septi Ayu Triten; Pratama, Versiandika Yudha
Velocity: Journal of Sharia Finance and Banking Vol 1 No 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (579.656 KB) | DOI: 10.28918/velocity.v1i1.3564

Abstract

This study aims to analyze the motivation of customer loans to moneylenders based on Islamic financing principles.This study is a qualitative descriptive. The type of data used in this study is the primary data with data collection techniques are observation and interviews. The results of this study indicate that the motivation of customers in making loans to moneylenders is due to the need and available facilitie, and the ease of making a loans. In addition, customer knowledge about interest is very low. And than, based on the principles of sharia financing, the transaction pattern is not in accordance with sharia principles because of the customer's ignorance regarding the transaction process.
The Effect of Product Quality And Product Impact on Customer Satisfaction Purchase Decisions as Intervening Variables S, Putri Andriyani; Arwani, Agus
Velocity: Journal of Sharia Finance and Banking Vol 1 No 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (621.268 KB) | DOI: 10.28918/velocity.v1i1.3617

Abstract

The purpose of this study is to determine the effect of product quality and product benefits on customer satisfaction through purchase. The research method uses a quantitative approach. The consumers of Hexsoul were drinking water more than five times in the distributor of Pekalongan City branch Hexsoul drinking water as many as 234 consumers with a sample of 100 respondents using Donald R. Cooper and C. William Emory formulas. The sampling technique uses accidental sampling and then purposive sampling. The data analysis is used in this study is path analysis. The product quality has a positive and significant effect on purchasing decisions with a significance value of 0,000 and a regression coefficient of 0,244, a significance value of 0,000 <0,05 (2) product benefit has a the significance value of 0,000 <0,05 (3) product quality has a positive and significant effect on consumer satisfaction with a significance of 0,002 and regression coefficient value of 0.140, (4) the benefit has a positive and significant effect on consumers satisfaction with a significance of 0.022 and a regression coefficient of 0.140, (5) purchasing decisions have a positive and significant effect on consumer satisfaction with a significance of 0,000 and a regression coefficient of 0.399,(6) product quality has a positive and significant effect on customer satisfaction through wit's purchasing decisions h the significance of 0,000 and a regression coefficient of 0.158(7)benefit has a positive and significant effect on customer satisfaction through purchasing decisions with significance of 0,000 and a regression coefficient of 0.210.
Potret Kehidupan Ekonomi pada Masa Nabi (Aplikasi Mudharabah dalam Perbankan Syariah) Iqbal, Muhammad
Velocity: Journal of Sharia Finance and Banking Vol 1 No 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (789.397 KB) | DOI: 10.28918/velocity.v1i2.4333

Abstract

This research aims to provide a complete picture of the economic portrait at the time of the prophet, the status of the Mudharabah hadith and how the application of Mudarabah in Islamic banking is. Muhammad started the construction of Medina without definite financial sources, while the distribution of wealth was also unequal. The emigrants had no wealth because they had left their wealth in Mecca. Muhammad brought brotherhood between the Muhajirin and the Ansar so that by itself there was a redistribution of wealth, this policy was very important as an initial strategy for the development of Medina. Furthermore, to rotate the economy, encourage business cooperation among community members such as muzaraah, mudarabah, and musaqah so that there is an increase in productivity. At first, Mudarabah was considered as the backbone of Islamic banking operations. In practice, this type of profit-sharing financing is only a small part of the financing provided by Islamic banks around the world.
Faktor-Faktor yang Mempengaruhi Kinerja Karyawan Perbankan: Studi pada PT. Bank Rakyat Indonesia (Persero) Cabang Batang Hirarto, Arief Alfatah; Sartika, Mila
Velocity: Journal of Sharia Finance and Banking Vol 1 No 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (704.281 KB) | DOI: 10.28918/velocity.v1i1.3643

Abstract

The purpose of this study is to describe and analyze the influence of leadership, intrinsic motivation, and career development on employee performance. The population in this study were 140 employees of PT Bank Rakyat Indonesia (Persero) Batang Branch. The sampling method used was purposive sampling method. Based on the data analysis, it can be concluded that there is a significant influence of the leadership variable on employee performance. There is a significant influence of the intrinsic motivation variable on employee performance. There is a significant influence of career development variables on employee performance. The variables of leadership, intrinsic motivation, and career development can affect employee performance by 41.8%.
Factors Affecting the Performance of Islamic Banking Employees Lestari, Septiyani Priska Putri; Guritno, Agung
Velocity: Journal of Sharia Finance and Banking Vol 1 No 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (557.526 KB) | DOI: 10.28918/velocity.v1i1.3755

Abstract

This study aims to see how remuneration, competence, and organizational culture affect employee performance at Bank Syariah Indonesia Semarang Branch. This is a quantitative analysis with 50 employees of Bank Syariah Indonesia Semarang Branch participated. The data were processed with the SPSS version 20 application tool. Instrument tests, classical assumption tests, statistical tests, and MRA tests are all included in this study's analysis. The T-test results show that remuneration has no significant impact on employee performance, integrity has a positive and significant impact on employee performance, and motivation has no impact on employee performance. Organizational Culture variables moderate / reinforce the relationship between Reward for Employee Performance, Competence, and Employee Performance, and Motivation and Employee Performance. The implications of the study are, the management should give more attention to the remuneration and motivation factors to enhance employee performance.This study aims to see how remuneration, competence, and organizational culture affect employee performance at Bank Syariah Indonesia Semarang Branch. This is a quantitative analysis with 50 employees of Bank Syariah Indonesia Semarang Branch participated. The data were processed with the SPSS version 20 application tool. Instrument tests, classical assumption tests, statistical tests, and MRA tests are all included in this study's analysis. The T-test results show that remuneration has no significant impact on employee performance, integrity has a positive and significant impact on employee performance, and motivation has no impact on employee performance. Organizational Culture variables moderate / reinforce the relationship between Reward for Employee Performance, Competence, and Employee Performance, and Motivation and Employee Performance. The implications of the study are, the management should give more attention to the remuneration and motivation factors to enhance employee performance.
Faktor-Faktor Yang Mempengaruhi ROA Dengan Size Sebagai Variabel Moderating Pada BUS Periode 2015-2020 Fatikha, Niswatun; Yudiana, Fetria Eka
Velocity: Journal of Sharia Finance and Banking Vol 1 No 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (722.269 KB) | DOI: 10.28918/velocity.v1i2.4415

Abstract

Tujuan penelitian ini adalah untuk menganalisis sejauh mana pengaruh Leverage, Islamic Corporate Governance dan Intellectial Capital terhadap Return on Assets dengan Size sebagai variabel moderating pada Bank Umum Syariah di Indonesia periode 2015-2020. Sampel penelitian ini adalah 11 Bank Umum Syariah di Indonesia yang menerbitkan annual report secara rutin pada web masing-masing bank. Metode pemilihan sampel disini adalah teknik purposive sampling. Analisis data pada penelitian ini yaitu ada uji statistik deskriptif, uji stasioneritas, analisis data panel, uji hipotesis, uji asumsi klasik, dan uji MRA. Hasil pengujian parsial (uji t) menunjukkan bahwa Leverage tidak berpengaruh signifikan terhadap ROA, sedangkan ICG, IC dan Size berpengaruh positif dan signifikan terhadap ROA. Kemudian hasil pengujian simultan (uji f) menyatakan Leverage, ICG dan IC secara bersama-sama berpengaruh positif dan signifikan terhadap ROA. Selanjutnya uji MRA menunjukkan bahwa variabel Size secara signifikan dapat memperkuat pengaruh Leverage terhadap ROA. Namun variabel Size secara signifikan memperlemah pengaruh ICG dan IC terhadap ROA.
Human Resources Development Strategy In Baitul Mal Watamwil An-Najah, Pekalongan District Hartono, Bambang Sri; Rohmah, Farida; Budiharjo, Arif
Velocity: Journal of Sharia Finance and Banking Vol 1 No 1 (2021): May 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (573.441 KB) | DOI: 10.28918/velocity.v1i1.3685

Abstract

This study aims to describe the strategy of human resource development, to analyze the internal and external environment of the business, and to develop a development plan on human resource aspect in Baitil Mal Wa Tamwil An-Najah. This study is a field research and the approach used in this study is qualitative method. It was done at Baitul Mal wa Tamwil An-Najah Pekalongan Regency since July until December 2017. Data collection technique in this study is through observation, interview, and documentation. This study uses descriptive analysis technique that aims to provide description about research subject based on data and variable obtained. There is also SWOT analysis to provide some recommendations for the company in its employees’ development in order to achieve company goal. Based on this study revealed that the human resource development strategy in Baitul Mal wa Tamwi An-Najah Pekalongan Regency is through orientation program, training and education, and career development. Through the SWOT analysis it is obtained points of development plans related to human resource aspect in Baitul Mal wa Tamwil An-Najah that can be a recommendation and reminder for the company. The development plans are built by SO strategy (Strength-Opportunity), WO strategy (Weakness-Opportunity), ST strategy (Strength-Threats), and WT strategy (Weakness-Threats) that the company has. By the analysis hopefully it can improve the strategy on human resource development.
Pengaruh Green Banking Disclosure Terhadap Nilai Perusahaan Pada Bank Umum Syariah Di Indonesia Winarto, Wahid Wachyu Adi; Nurhidayah, Tri; Sukirno, Sukirno
Velocity: Journal of Sharia Finance and Banking Vol 1 No 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (936.079 KB) | DOI: 10.28918/velocity.v1i2.4212

Abstract

This study aims to analyze the effect of Green Banking Disclosure on firm value. The method used is quantitative by conducting content analysis on Green Banking Disclosure items based on the Green Banking Disclosure Index developed by Bose, Khan, Rashid, & Islam (2018). Firm value is measured using the Tobins'q ratio. Regression analysis technique is used in performing statistical tests. The population in this study are all Islamic commercial banks registered with the Financial Services Authority that have been listed on the Indonesia Stock Exchange during 2017 to 2020 by providing criteria for the samples taken. The results showed that there was a significant positive effect of Green Banking Disclosure on firm value in Islamic banking.
Faktor-Faktor Resistansi Masyarakat Desa Ngrayun Terhadap Keputusan Menjadi Nasabah Asuransi Prudential Ponorogo Nursafitri, Eka; Ulya, Husna Ni'matul
Velocity: Journal of Sharia Finance and Banking Vol 1 No 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (798.642 KB) | DOI: 10.28918/velocity.v1i2.4636

Abstract

Islamic insurance will have higher demand and high enthusiasm. Therefore, efforts to increase public knowledge about sharia insurance are a strategic issue in the development of sharia insurance. Consumer knowledge is all information owned by consumers about various products or services. Based on the results of interviews with prudential insurance agents, it was stated that there were still few people who had life insurance, all of that because the level of public trust was still low, this was due to their low knowledge of sharia insurance. And when doing promotions there is rejection from the community. From here, marketers must be able to provide knowledge about the benefits and advantages of Islamic insurance. This study aims: 1) to find out how the development of prudential sharia insurance in Ponorogo. 2) to find out the resistance factors of the Ngrayun Village Community to become Ponorogo prudential insurance customers.This type of research uses field research and uses a qualitative approach. Data collection techniques used in this study were interviews (interviews) and documentation. The results of this study are: 1) The development of Prudential Sharia Insurance in Ponorogo has gone up and down, but in the last period it has decreased. Especially in Ngrayun Village, Ngrayun District, the development of prudential sharia insurance is quite difficult because of various factors that influence people's decisions to join as customers. The prudential sharia insurance agent then determines solutions that can be applied in rural areas, especially Ngrayun Village, Ngrayun District. 2) Existing factors based on the results of interviews with consumers who have received socialization or offers from prudential sharia insurance agents in Ngrayun Village, Ngrayun District arise interrelated factors, both from cultural and sub-cultural factors, occupation, age, reference groups and family , as well as location. Of the several factors that have been mentioned above, these factors are closely related to the consumer's decision to become a customer.

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