Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan
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
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<![CDATA[THE ROLE OF ISLAMIC SOCIAL MARKETING AS A MEDIATION VARIABLE ON THE IMPLEMENTATION OF MAQASHID SYARIAH ON DECISIONS TO PAY ZIS THROUGH ZAKAT MANAGERS ]]>
<![CDATA[NURIDA ISNAENI]]>;
<![CDATA[MUHAMMAD QODRI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.222
<![CDATA[This study aimed to analyze the effect of application of Maqashid Syariah on the decision of Muzaki in paying ZIS, to analyze the effect of the application of Maqashid Syariah on social marketing carried out by zakat managers, and to analyze the effect of social marketing on Muzaki decision in paying ZIS. Finally, to analyze whether social marketing is able to mediate between maqashid syariah towards Muzaki decision in paying ZIS to zakat managers. This study used the Structural Equation Model (SEM) method with quantitative descriptive analysis by using software tools, Lisrel and SPSS. in this study used a sample of 360 respondents who became muzaki (zakat payers) in Jambi province. The results of the SEM method concluded that the Maqashid Syariah variable directly affected social marketing, while not directly towards the decision to pay ZIS. Direct social marketing also influences the decision to pay ZIS. Finally, in this study, social marketing as an intervening variable provided mediation effect (direct mediation) indirect only between maqashid syariah and the decision to pay ZIS.]]>
<![CDATA[POTENSI FINANSIAL TEKNOLOGI SYARIAH DALAM MENJANGKAU PEMBIAYAAN NON-BANK ]]>
<![CDATA[FAWZI BHAKTI PRESTAMA]]>;
<![CDATA[MUHAMMAD IQBAL]]>;
<![CDATA[SELAMET RIYADI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.217
<![CDATA[The purpose of this study is to analyze the potential of Crowdfunding and Peer-to-Peer Lending Financial Technology (FinTech) Sharia to reach the non banking financing. There are four Crowdfunding and Peer-toPeer LendingFinTech Sharia operators in Indonesia used as the sample. The data used in this study was obtained from direct interview with the FinTech operators and literature study of similar subject. The analysis method used in this study is SWOT analysis. The results of the study which used SWOT analysis model found that the Crowdfunding and Peer-to-Peer Lending FinTech Sharia are not a threat to existing Sharia financial institutions and can also increase the penetration of sharia financial industry in Indonesia because they offer cost efficiency, ease of access, speed of financing distribution, and the low rate of nonperforming financing. However, there are still small quantity of FinTech Sharia registered at OJK, no specific regulation for FinTech Sharia and no Sharia Supervision Board in many FinTech Sharia can be obstacles for FinTech Sharia operators.]]>
<![CDATA[SISTEM PEMBIAYAAN SOSIAL BERBASIS KOMUNITAS ]]>
<![CDATA[ERA SONITA]]>;
<![CDATA[AHMAD WIRA]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.223
<![CDATA[Islamic cooperative is a financial system based on social and solidarity, where its characteristics are different from other financial institutions. This social financial institution is a set of interdependent relationships between financial and social. This paper explains about how the institutional economy in this case the Islamic cooperative understands the form of interaction between individuals, organizations in establishing mutually supportive relationships. What is the form of sustainability of Islamic cooperative financial institutions through its ability to respond to the needs of its members towards the needs of venture capital without applying interest and profit sharing. In the sense of the word form of work of this Islamic cooperative institution based on the concept of help to help members of the cooperative.]]>
<![CDATA[ANALISIS PENGETAHUAN DAN KRITERIA PEMILIHAN BANK SYARIAH ]]>
<![CDATA[ANNA SARDIANA]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.218
<![CDATA[This study aims to analyze the selection criteria considered by students in choosing a Sharia bank; know the level of student knowledge of Islamic banking products; and analyzing consumer attitudes towards Islamic banks. The research subjects were students who used the services of Islamic banks or those who did not use Islamic banks in Jakarta. Data analysis methods are statistical descriptive and factor analysis. The analysis concluded that there were six factors that were considered by students in choosing a Sharia bank, including: perception and process, physical condition, price, human resources, relationships and location factors. Consumer perception is the most influential factor on consumer decisions in choosing a Sharia bank. In general, the majority of respondents have limited knowledge about Islamic banking. Religion is not the main reason for students to choose a Sharia bank. Students consider Sharia bank service friendliness more than other factors.]]>
<![CDATA[ANALISIS PENGENDALIAN PENYALAHGUNAAN AKAD WAKALAH PADA PRODUK PEMBIAYAAN MURABAHAH DI BMT SE-KABUPATEN JEPARA ]]>
<![CDATA[MAHMUDATUS SA'DIYAH]]>;
<![CDATA[MOCH AMINNUDIN]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.219
<![CDATA[This study discusses to study the practices, strengths and weaknesses and solutions that support the wakalah contract on murabaha financing products in BMTs in Jepara Regency. The type of this research is field research by obtaining qualitative. Data collection by interview, observation and documentation. Data reduction analysis techniques, data display and drawing conclusions / verification. The results showed that the practice of wakalah on murabaha financing products in BMT in Jepara Regency was BMT and the agreement to negotiate using a wakalah agreement and the transfer of funds after discussing a two-sided agreement, then BMT provided the hands asking for buying and selling letters and letters in question, then to buy goods to the supplier then send the goods to the buyer to BMT, then send to the buyer at BMT in accordance with the initial agreement. The advantage of wakalah practice on murabaha financing products in BMT is to build high trust between BMT and funds to translate in financing. The disadvantage is that most that do not deserve to understand BMT financing products, lack of openness about the business conditions to be funded, need deviations from the agreed agreement. The fix is to stick to the principle 5C and consider three important aspects of financing, which are safe, efficient, and profitable]]>
<![CDATA[DETERMINANTS OF MUZAKKI’ PREFERENCE IN INDONESIA: CONCEPTUAL FRAMEWORK ANALYSIS ]]>
<![CDATA[VIMA TISTA PUTRIANA]]>;
<![CDATA[YURNIWATI YURNIWATI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.214
<![CDATA[This paper aims to critically evaluate a conceptual framework of determinants of muzakki’ preferences in Indonesia when discharging their zakat obligations developed in Putriana (2018). Understanding preferences of muzakki in Indonesia is critical due to the huge zakat potential owned by Indonesia that can be explored and utilized by zakat institutions for maximum benefits of Indonesian people. The knowledge and understanding of muzakki’ preferences in choosing their zakat distribution channels will help policy makers to issue regulations required that help zakat institutions amplifying their roles and capacity. For zakat institutions, the knowledge and understanding is useful to formulate strategies needed to persuade muzakki in Indonesia to trust them managing their zakat. This study contributes to the development of a more comprehensive conceptual framework of determinants of muzakki’ preferences in Indonesian context. The current study also attempts to establish communication among researchers with different backgrounds working on the topic of muzakki’ preferences]]>
<![CDATA[FAKTOR-FAKTOR YANG MEMPENGARUHI PERINGKAT SUKUK (STUDI EMPIRIS PERUSAHAAN YANG DIPERINGKAT FITCH RATING) ]]>
<![CDATA[RIFQI MUHAMMAD]]>;
<![CDATA[CAHYANINGTYAS TIRZA SILVIANI BIYANTORO]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.220
<![CDATA[This study aims to determine the effect of profitability, leverage, firm size, and growth of the company to the sukuk ratings. The main purpose of this rating is to provide information to investors about the state of sukuk issuers and what risks will be borne, so that can be used as consideration of investors in investing. The sample in this research is sukuk issuer company rated by rating agency Fitch Rating period 2013-2016. Samples were chosen using purposive sampling method and 15 companies were selected. Data analysis was done by multiple linear regression model and using SPSS 22.0 software. The results of this study indicate that the profitability and firm size have a positive and significant impact on the rating of sukuk. Leverage has a negative and significant impact on the sukuk rating. While the growth of the company has a positive effect is not significant on the rating of sukuk.]]>
<![CDATA[ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI LIKUIDITAS BANK SYARIAH DI INDONESIA MENGGUNAKAN METODE VECTOR ERROR CORRECTION MODEL (VECM) ]]>
<![CDATA[AYIF FATHURRAHMAN]]>;
<![CDATA[FIRSHA RUSDI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.215
<![CDATA[This study aims to analyze the factors that affect the liquidity of Islamic banks in Indonesia. The analysis is carried out using sequential monthly data published by Bank Indonesia in the period 2010 to 2018. The variables used are internal factors (Capital Adequacy Ratio (CAR), Return On Assets (ROA)) and external factors (SBI Inflation and Interest Rates) ) The method used in this study is the Vector Error Corection Model (VECM). Based on the results of the study show that in the short term, the variable CAR, ROA, Inflation and SBI interest rates positively and significantly affect FDR. Whereas in the long term, the CAR variable and inflation have a significant positive effect on FDR, the ROA variable negatively influences FDR. And the variable SBI interest rate does not have a significant effect on FDR.]]>
<![CDATA[AN ANALYSIS OF THE EFFECT OF SERVICE QUALITY ON SATISFACTION AND LOYALTY WITH ISLAMIC ECONOMIC APPROACH (STUDY ON BMT MEMBERS IN PUSKOPSYAH JAMBI) ]]>
<![CDATA[LUCKY ENGGRANI FITRI]]>;
<![CDATA[RIDHWAN RIDHWAN]]>;
<![CDATA[OKHI FAJAR HARDIANSYAH]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.221
<![CDATA[This study aimed to determine the effect of service quality on satisfaction and loyalty of Baitul Maal Wa Tamwil (BMT) members who become members of the Sharia Cooperative Center (PUSKOPSYAH) in Jambi. The development of BMT in Jambi is quite slow compared to other provinces on the SumatraIsland; so this research was carried out in Jambi City. This research design used quantitative methods with a survey approach. The type of data used was primary data. Primary data were obtained through distributing questionnaires to respondents who members of five BMTs become members of PUSKOPSYAH in Jambi, with a total sample of 140 respondents taken using the purposive sampling method. Quantitative data was processed using the Structural Equation Model (SEM) method with SmartPLS 3 software. From the resultsof this study showed that Service Quality has a significant effect on satisfaction and satisfaction has significant effect on loyalty. Meanwhile, Service Quality variable does not significantly influence the loyalty of BMT members.]]>
<![CDATA[FINANCIAL CONTROL BETWEEN RASHIDUN CALIPHS AND THE LATE 11TH CENTURY ]]>
<![CDATA[BASSEM ISMAIL]]>;
<![CDATA[HAMIDAH HAMIDAH]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v4i2.216
<![CDATA[Many modern concepts of financial control and its types that are now adopted have already existed in the Islamic state from Prophet Muhammad message through the Rashidun Caliphs and then the Umayyad and Abbasid through establishing Baitul Mal. This article try to investigate the concept of financial control and types in Islam and the historical development of financial control in Islam. Also clarify the principles of financial control in Islam. The research based on the descriptive approach through the use of scientific studies which dealt with the subject of research, in addition to the historical approach through the use of historical evidence in the way enhancing the opinions presented by the research in the rooting of its themes from the Islamic point of view. This paper give an attention to the behavioral principle and self-control of individuals when working in different areas of life in general and financial in particular, as they have direct causes of increased efficiency and effectiveness financial control system (FCS).]]>
