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Program Studi Manajemen Perbankan Syariah - Fakultas Ekonomi dan Bisnis Islam – Universitas Islam Negeri Imam Bonjol Padang, Sungai Bangek, Balai Gadang, Kec. Koto Tangah, Padang, Sumatera Barat.
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Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan
Published by Universitas Islam Negeri Imam Bonjol Padang
ISSN : 25285629     EISSN : 25285637     DOI : http://dx.doi.org/10.15548/al-masraf
Core Subject : Economy,
Economics, Econometrics & Finance
The journal is published twice a year in June and December. Contains scientific articles in the form of research, analysis study, theoretical study and review of studies in the field of banks and financial institutions. Publishing this journal aims to increase the quantity and quality to spread knowledge and also as a means of communication between scientists, practitioners, students and observers of the banks and financial institutions
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
 1 
Search results for , issue "Vol 4, No 1 (2019): Januari - Juni 2019" : 10 Documents clear
FASILITAS DISKONTO (DISCOUNT WINDOWS) SEBAGAI INSTRUMEN MONETER DITINJAU DALAM PERSPEKTIF EKONOMI ISLAM RINA EL MAZA; EGI PUTRA SETIAWAN
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.211

Abstract

The government has an important role in the welfare of the people's economy. One of them is through the role of the central bank by carrying out monetary policy. This policy was adopted by the central bank or Bank Indonesia (BI) through several instruments, including through regulating discount rates for commercial banks. In this case, BI sets the inflation target as a reference for determining interest rates. When the inflation rate exceeds the targeted, BI will raise interest rates which in turn will reduce the credit issued by commercial banks to the public, because commercial banks must pay higher interest rates to the central bank. And the results of the analysis that the interest rate charged in the credit (Lending Facility) discount facility is classified as an act of usury. Meanwhile, the profits obtained from the deposit of funds in the Facility Deposit transaction are not permitted in the Islamic economy, because in the Islamic economy there is no interest rate but profit sharing, given the fixed and concrete interest rates. In addition, the discount facility is also incompatible with some Islamic economic principles, including; the principle of Illahiyah, Justice, and the government.
ANALYZE THE EFFECT OF THIRD PARTY FUND (TPF), NON-PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR) AND PROFIT MARGIN ON MURABAHAH FINANCING OF SHARIA COMMERCIAL BANK PUTRI SAULA HASNADINA; ADE SOFYAN MULAZID
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.206

Abstract

The purpose of this study is to analyze the effect of each variable, Deposits of Third Party Fund (TPF) (X1),Non-Performing Financing (NPF) (X2), Financing to Deposit Ratio (FDR) (X3) and Profit Margin (X4)on Murabahah Financing (Y1). The population of this study was conducted on eleven Sharia CommercialBanks in Indonesia, namely Bank Muamalat, Bank Victoria Syariah, Bank BRI Syariah, Bank BNI Syariah,Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Panin Syariah, Bank Syariah Bukopin, BankBCA Syariah and Bank Maybank Syariah Indonesia. The sample taken was the annual financial reportfor five periods, namely 2011-2015 periods. The analysis technique used panel data regression analysis wastested by F-test and T-test, with a significant value of 5%. Based on the results of the T-test and F-test, it canbe known that TPF, FDR and Profit Margin simultaneously have a significant positive effect and the NPFpartially have no effect of murabahah financing on Sharia Commercial Banks. Adjusted R Square value of0.275352 indicates that the independent variable could give effect the dependent variable of 0.000429%.
SERAPAN LEMBAGA KEUANGAN MIKRO SYARIAH DI SUMATERA BARAT TERHADAP LULUSAN PROGRAM STUDI D.III MANAJEMEN PERBANKAN SYARIAH TESTRU HENDRA; IRSADUNAS IRSADUNAS
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.212

Abstract

The purpose of the study was to determine the absorption of Islamic Microfinance Institutions in West Sumatra towards graduates of the study program D.III Islamic Banking Management UIN Imam Bonjol Padang. This type of research is qualitative research, namely research that aims to produce descriptive data about oral and written words, and behavior that can be observed from the people studied. The results of the study are: 1) The percentage of graduates absorbed by Islamic microfinance institutions in West Sumatra is still very small, which is 4.3% of the total number of graduates from 2008-2017 totaling 738 people. 2) The percentage of graduates working at Islamic microfinance institutions in West Sumatra is already good, if seen from the number of tertiary institutions in West Sumatra, which is 11% of the total number of employees of Islamic microfinance institutions in Sumatra in 2008-2017 totaling 262 person.
PEMBIAYAAN MUDHARABAH DAN DAMPAKNYA TERHADAP OMSET USAHA MIKRO DI KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH EL-UMMA TAMI NADIRAH; DENI LUBIS; ALLA ASMARA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.207

Abstract

Micro Enterprise Sector is a sector that has an important  role in the economy of the country. However the number of problems still felt by the sector, one of them  is the problem of capital. Mudharabah  financing can be an alternative for micro businesses to resolve the problem. KSPPS El-Umma  is one of the institution  that offer Mudharabah  financing for micro business actors in developing their business. This study aims to analyze the effectiveness of mudharabah financing and its impact on business turnover.  The method that used in this research is descriptive analysis method  using Likert  scale to measure  the effectiveness level of financing disbursed and to describe the impact of financing  on business development  also using Ordinary  Least Square (OLS) method to determine the factors that influence the business turnover. The result of analysis with Likert scale as a whole mudharabah financing distributed by KSPPS has been classified as effective, and there is business development  after getting financing  seen from the increase of business turnover.  The Factors that influencing the turnover of business are the length of business, age, the amount  of financing  and the term of financing.
KETERKAITAN ANTARA MODAL SOSIAL DENGAN EFISIENSI KELEMBAGAAN PADA KOPERASI PONDOK PESANTREN SIDOGIRI, PASURUAN FARAHDILLA KUTSIYAH; AGOES KAMAROELLAH; UMMU KALSUM
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.213

Abstract

Sidogiri Islamic Boarding School is one of the oldest Islamic boarding schools and is capable of being independent in its operational activities by having very rich resources and this institution is also an example of success in developing Islamic economics. The definition of "institution" in this article is how the rules are implemented in the pesantren's economic activities that are deeply tied to the social capital that they have. This study uses a case study qualitative approach. Data collection through observation, documentation and in-depth interviews. The results of the study show that social capital that is embedded in the pesantren environment can reduce transaction costs so that the institutional of Sidogiri Islamic Boarding School cooperative is more efficient. Network can reduce the cost of information, negotiation, coordination and supervision. Norms can decrease the occurrence of irregularities and the existence of trust. Shared vision can facilitate coordination and increase motivation. It is recommended that the application of social capital in the management of the Sidogiri kopontren be able to be transferred some other pesantren that are still lagging behind in economic development so that they are able to be independent and can help the economic problems of the community.
LITERASI KEUANGAN DALAM PERSPEKTIF MAHASISWA: (STUDI KASUS MAHASISWA FEBI IAIN LHOKSEUMAWE) ISMAULINA ISMAULINA; SURYANI SURYANI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.208

Abstract

Every individual wants a happy and prosperous life. To achieve that it takes knowledge of financial literacy in order for someone to avoid financial problems. This study aims to examine how the level of financialliteracy students majoring in Islamic economics Faculty of Economics and Business Islam (FEBI) IAINLhokseumawe. And whether the level of income affects the management and financial decisions of studentsof the Department of Sharia Economics FEBI IAIN Lhokseumawe. Respondents studied are students whocome from FEBI majoring in Sharia Economics amounted to 100 people. Mean and frequency test were usedin this study. The result of the study shows that the average score of financial literacy students of EconomicsDepartment of FEBI IAIN Lhokseumawe of 3.27 (65.4%) means that the level of student financial literacyis still far from the optimum or still quite enough, even close to the low category so it should be increasedespecially related to the knowledge of expenditure, credit, savings and investment. The average student incomelevel lies in the medium/moderate category of 56%. Giving meaning differences in student income levelsaffect financial management and make the right financial decisions.
ANALISIS KESEJAHTERAAN MAQASHID SYARIAH PADA USAHA MIKRO KECIL MENENGAH SAFARINDA IMANI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.209

Abstract

The contribution of the Surabaya city government is an provision of freedom of production based on the levelof creativity and innovation. Building Suroboyo bridges, dancing fountains, bulak parks, and fish centersthat make up the area to better place towards prosperity. MSMEs will also increase regional income. MSMEsindirectly apply maqashid sharia. Using qualitative descriptive analysis to understand how MSM can be used in the perspective of Islamic economics from the side of Maqashid al-Shari'ah.
KINERJA MANAJER INVESTASI REKSADANA SAHAM SYARIAH DI INDONESIA ANITA ANITA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.204

Abstract

The purpose of this study is to test the ability of investment managers in Islamic mutual funds in their abilityto conduct stock selection and market timing. The model developed in this study uses the Henriksson-Mertonmodel. With purposive sampling technique obtained a sample of 31 mutual funds. After testing the resultsobtained, the performance of Islamic stock mutual funds in Indonesia underperformed compared to the ISSI market performance. The stock selection results contribute negatively to a = 5%, while the ability of market timing has a significant positive effect on mutual fund returns.
FORECASTING SAHAM SYARIAH DENGAN MENGGUNAKAN LSTM AHMAD FAUZI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.210

Abstract

Islamic stocks as one of the many stocks listed on the JCI are a barometer of the Islamic market in Indonesia. One approach in predicting stock prices is by using machine learning. The purpose of this study is to make a model that is used to predict JII shares using the LSTM approach. The data used amounted to 1402 records related to the Jakarta Islamic Index (JII) stock from March 4, 2014 - January 2, 2019. Model making uses 3 Epochs (1, 10 and 20). The results showed the best model was to use 20 Epochs. The increase in Epoch affects the value  of MSE and RMSE which are getting smaller. For Epoch 20, the values of MSE and RMSE are ~ 0.00019 and~0.014, respectively.
MANAKAH PRIORITAS SEKTOR PENGEMBANGAN WAKAF DI INDONESIA? AAM SLAMET RUSYDIANA; SUDANA SUDANA; LINA MARLINA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.205

Abstract

In order to create a comprehensive policy, waqf institutions should determine the view of waqif(someone whotakes waqf ) related to which sector should be the priority of Indonesian waqf development in the future.This research would determine the preference of waqif related to the Indonesian waqf development in thefuture. This research used Analytic Network Process (ANP) method which was developed by Thomas L.Saaty to identify priority rank of waqf development. Based on the analysis result, it could be seen that themost prioritize of Indonesian waqf development was on the education sector. Waqif tended to trust waqfinstitution which have been actively involved in the education sector. It showed that education sector wasthe most important sector in Indonesia. Beside education, the second important ranked sector was the healthsector.Beside waqf development sector, analysis result found that priority of Indonesian development waqfwas more to the cash waqf. It showed that the cash waqf was viewed to be more important to be developedin Indonesia because the waqf property was liquid (in cash money).

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