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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 8 Documents
 1 
Search results for , issue "Vol 7, No 2 (2022): Juli - Desember 2022" : 8 Documents clear
ACCELERATION OF FINANCIAL TECHNOLOGY GROWTH IN ISLAMIC BANKS AS AN EXISTENCE EFFORT TO FACE THE PANDEMIC OF COVID-19 M IQBAL; RINOL SUMANTRI; RATIH KHOIRUNNISA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (216.956 KB) | DOI: 10.15548/al-masraf.v7i2.251

Abstract

Financial Technology or what is familiarly called fintech is a platform that combines technology and finance into a technology-based financial business that makes it easier for customers so that there is no need for face-to-face transactions. Financial technology is currently trending in Indonesia, especially after the peak of the COVID-19 pandemic that occurred throughout 2020-2021, not only in banking but has begun to spread stand-alone financial technology in terms of payments and peer to peer landing. All technology-based financial institutions compete with each other, Islamic banking institutions in Indonesia, marked by the merger of three Islamic banks into one big force, namely Bank Syariah Indonesia which has optimized digital-based products to maximize the profitability of their companies. The purpose of this study is to find out the tips of Islamic Banking, especially Indonesian Islamic Banks in maximizing the profitability of their companies with fintech.
THE ROLE SHARIA FINTECH TO SUPPORT HALAL INDUSTRY IN INDONESIA ISMAWATI ISMAWATI; TRIMULATO TRIMULATO; MUHLIS MUHLIS; MUSDALIFAH MUSDALIFAH
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (283.008 KB) | DOI: 10.15548/al-masraf.v7i2.245

Abstract

The purpose research to show growth sharia fintech, as well as analysis forms supporting sharia fintech improving halal industry in Indonesia. Research method used qualitative with literature study. Sources data used are secondary data has been presented certain institutions and then processed by researchers. Such as data from Financial Services Authority, Bank Indonesia, and other Data collection techniques used libraries from several sources are considered relevant. Data analysis technique used is descriptive qualitative. Results study indicate development sharia fintech period 2019 to 2020 sharia fintech assets 4.474,86. Sharia fintech lending players 10. Sharia fintech can support development halal industry, with easy access, including Halal SMEs. Multipayment fintech can be a means of payment for business. Sharia fintech Peer to Peer (P2P) Lending will provide access capital, as well as investment facilities. Type sharia crowdfunding fintech provides access joint funds finance halal industry so actors can be helped increase their business.
MENGEKSPLORASI STRATEGI PEMULIHAN EKONOMI DAN KEUANGAN SUMATERA UTARA: KASUS OPEN BANKING DI ERA DIGITALISASI DALAM KERANGKA MAQASHID SYARIAH KAMILAH K; RIJA AINI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
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.v7i2.293

Abstract

Makalah ini mengeksplorasi Strategi Pemulihan Ekonomi dan Keuangan Sumatera Utara, kasus perbankan terbuka di era digitalisasi, menggunakan metode campuran, dengan SPSS 25, tinjauan literatur, kuesioner dan wawancara mendalam. Kami menemukan bahwa ada pengaruh positif antara variabel X (kepuasan dalam menggunakan open banking) terhadap variabel Y (produktivitas pelaku usaha dan pertumbuhan ekonomi daerah di Sumatera Utara). Temuan ini menunjukkan bahwa pemerintah perlu mengatur kegiatan perbankan terbuka untuk meningkatkan kepuasan dalam penggunaan perbankan terbuka karena berdampak signifikan dalam memacu tingkat produktivitas pelaku usaha dan upaya pemulihan ekonomi daerah di Sumatera Utara.
ANALISIS PERAMALAN RASIO PROFITABILITAS BANK TABUNGAN NEGARA SYARIAH MENGGUNAKAN METODE ANALISIS TREND KUADRATIK M ZAKI MUBARAK LUBIS
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
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.v7i2.305

Abstract

The primary factor in the investment that investors will issue is profitability. Although a company's prospects can be determined, it is required to predict the production that will be generated in order to identify potential future markets. By utilizing the Return on Assets (ROA) and Return on Equity (ROE) ratios, this study aims to examine forecasting the profitability ratios at the Islamic State Savings Bank (BTN). The data ranges from 2016 to 2021. Quadratic trend analysis is used to process the data. The forecasting of ROA and ROE using the quadratic trend approach may be summarized based on the findings of the study that has been done as follows: namely the results of forecasting ROA BTN Syariah of 0.9514 in 2022, 1.312 in 2023 and 1.7994 in 2024. Meanwhile ROE of BTN Syariah is 17.088 in 2022, 23,988 in 2023 and 32,768 in 2024.
POTENSI PEER TO PEER LENDING SHARIAH UNTUK PEMULIHAN EKONOMI UMKM PASCA COVID 19 DI INDONESIA HULWATI HULWATI; SLAMET MUJIONO; AHMAD WIRA; ABDI FADHLAN
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
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.v7i2.330

Abstract

Tujuan penelitian adalah untuk menjelaskan potensi Peer to Peer Lending Syariah terhadap pemulihan ekonomi pasca Covid 19 di Indonesia. Survei yang dilakukan oleh Perusahaan Mitrausaha di Indonesia atau Fintech Modalku menyebutkan bahwa 70% pinjaman online adalah untuk kepentingan bisnis mereka selama Covid 19. Sejak Fintech Syariah muncul pada tahun 2017, jumlah perusahaan Fintech Syariah bertambah sebanyak 7 perusahaan pada tahun 2019. Sedangkan pada tahun 2020 bertambah 12 Perusahaan. Total aset Fintech Syariah sebagai pemberi pinjaman tercatat sebesar 36 miliar pada Februari 2020 dan meningkat menjadi 61 miliar selama Covid 19. Studi ini menegaskan Peer to Peer Lending Syariah dalam pemulihan ekonomi pasca Covid 19, dan menganalisis potensinya dalam Indonesia. Data dianalisis secara deskriptif kualitatif, selain itu penelitian ini menggunakan studi literatur seperti website OJK, Covid, dan fintech. Dapat dikatakan Peer to Peer Lending Syariah memiliki potensi karena memiliki sistem penyaluran dana yang fleksibel yang digabungkan antara dana investor dan dana sosial seperti zakat, sadaqah, dan wakaf. Selain itu, Peer to Peer Lending Syariah mampu mendukung pendanaan Covid 19 melalui program dana pemulihan dengan program pembiayaan sosial berupa qardh al-hasan (pinjaman kebajikan). Sistem ini memberikan solusi bagi peminjam untuk mengatasi pembiayaan yang terbebani dengan sistem bunga selama masa Covid 19.
TRADISI JULA-JULA MASYARAKAT MELAYU DALAM PERSPEKTIF EKONOMI ISLAM NUR AZLINA; SITI ASIAM
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
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.v7i2.388

Abstract

FAKTOR-FAKTOR YANG MEMENGARUHI KEPUTUSAN BERINVESTASI DI PASAR MODAL: FENOMENA DI KABUPATEN KLATEN NAUFAL HABIB IZZUDDIN; ELIADA HERWIYANTI; YUSRIYATI NUR FARIDA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
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.v7i2.410

Abstract

SEMIOTIC ANALYSIS TOWARD THE GREEN ACCOUNTING MEANING BASED MASLAHAH NURUL ANNISA; SYARIF SYAHRIR MALLE; SUMARNI RANDRIANY
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
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.v7i2.411

Abstract

This study aimed to know the disclosure and meaning of green accounting-based maslahah in the company's sustainability report. This study was qualitative research using semiotic analysis to analyze the definition contained in symbols or signs in the narrative text on the sustainability report of PT. PP London Sumatra Tbk (Lonsum) in 2020. The study results show that the PT PP Lonsum sustainability report has disclosures about green accounting indicators, either implicitly or explicitly. Protecting the environment (hifdz al bi’ah) can be a trigger for maintaining the five goals of syara'(maqashid sharia).

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