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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124 Documents
<![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[THE IMPLEMENTATION OF POJK 45/2015 ON THE BANKING FINANCIAL PERFORMANCE IN INDONESIA : AN ANALYSIS ]]>
<![CDATA[ANNA SARDIANA]]>;
<![CDATA[ALVIEN NUR AMALIA]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 1 (2018): Januari - Juni 2018 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v3i1.162
<![CDATA[Otoritas Jasa Keuangan (OJK) as Financial Services Authority (FSA) in 2015, issued new regulations regarding the administration of the Remuneration Governance for Banks. With this rule, the remuneration policy applied by the Bank to Employees, Directors and Commissioners should be adjusted to follow the rules and principles set out in POJK No.45 /POJK.03/2015. Issuance of this Regulation as part of the implementation of Basel II, particularly Pillar 3 (Market Discipline), which the Bank is required to disclose information that is more transparent to the public and market participants, particularly related to remuneration to encourage discipline and allow the stakeholders to give a fair assessment. Failure to follow these rules can result in a downgrade of the factors of good corporate governance of the Bank concerned. Implementation of POJK 45 starts per 1 January 2016 for Commercial Bank Operations Group (BUKU) 3 and 4 as well as foreign banks. This study aimed to analyze the implementation of POJK 45/2015 on the financial performance of banking in Indonesia. The data which are used in this study were obtained from the Indonesian Banking Directory quarterly and look at the first kuartal of 2016 only. Samples were selected by purposive sampling method and finally obtained 27 banking companies that fulfill the criteria. Data were analyzed using financial ratios that LDR, ROA and CAR then described using qualitative description method. The results showed that the implementation of POJK 45 gives the significant positive effects on the bank performance in Indonesia.]]>
<![CDATA[PENGARUH LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN PADA PT. BANK SYARIAH MANDIRI ]]>
<![CDATA[NOVA SYAFRINA]]>;
<![CDATA[SUDARMIN MANIK]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 2 (2018): Juli - Desember 2018 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v3i2.200
<![CDATA[This research was conducted at PT. Bank Syariah Mandiri Branch Office Flamboyan Subdistrict Tapung. The purpose of this study was to determine how much influence the work environment on employee performance at PT. Bank Syariah Mandiri Branch Office Flamboyan Subdistrict Tapung. The population and sample in this study are all employees of PT. Bank Syariah Mandiri Flamboyan Sub-Branch Office, Tapung Subdistrict, totaling 32 people. While the data analysis in this study uses the test of validity, reliability, simple linear regression, test coefficient of determination and t test. The results of this research hypothesis indicate that the work environment has a positive and significant effect on employee performance at PT. Bank Syariah Mandiri Branch Office Flamboyan Subdistrict Tapung. While the influence of the work environment on employee performance at PT. Bank Syariah Mandiri Flamboyan Sub-Branch Office Tapung District is 56.3% and the rest is influenced by other variables not examined in this study.]]>
<![CDATA[ANALISIS KEBUTUHAN SUMBER DAYA INSANI PERBANKAN SYARIAH INDONESIA BERBASIS KOMPETENSI ]]>
<![CDATA[RATNA KUSUMADEWI]]>;
<![CDATA[SAMSUBAR SALEH]]>;
<![CDATA[RIFQI MUHAMMAD]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 1 (2022): Januari - Juni 2022 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v7i1.250
<![CDATA[Indonesia is one of the countries that is quite consistent in developing the Islamic financial industry, and it can be seen from the development of Islamic financial institutions (IFIs). However, one of the main problems currently faced by the Indonesian Islamic finance industry is the lack of human resources who have competency and qualifications according to the profile of Islamic banks. This paper aims to analyze the organizational structure of Islamic banking to map the need of human resource in accordance with their competencies. The analysis results of this paper are expected to contribute to the development of human resources in accordance with the needs of Islamic banks.]]>
<![CDATA[FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH DALAM MENABUNG DI BANK SYARIAH ]]>
<![CDATA[RONI ANDESPA]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 1 (2017): Januari - Juni 2017 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v2i1.90
<![CDATA[The research theme is the financial and banking institutions. The study was conducted in West Sumatra. The research objective is: to look at the factors that affect the interest of the customer to save money in Islamic banks. Research using factor analysis. Samples used in this study are as many as 250 customers. Results of the study are: There are 4 factors that consist of 16 variables that have a value above 0.5, namely: Factor 1 (Age and Lifecycle, Beliefs and Attitudes, Motivation, Personality and Self-Concept, Lifestyle and Learning). Factor 2 (Perception, Reference Group, Social Class, Role and Status). Factor 3 (Product, Price, Promotion and Place). Factor 4 (Culture and Family).]]>
<![CDATA[SERAPAN LEMBAGA KEUANGAN MIKRO SYARIAH DI SUMATERA BARAT TERHADAP LULUSAN PROGRAM STUDI D.III MANAJEMEN PERBANKAN SYARIAH ]]>
<![CDATA[TESTRU HENDRA]]>;
<![CDATA[IRSADUNAS IRSADUNAS]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 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.v4i1.212
<![CDATA[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.]]>
<![CDATA[PERAN LEMBAGA KEUANGAN MIKRO SYARIAH DALAM PEMBERDAYAAN EKONOMI MASYARAKAT KECIL MENENGAH ]]>
<![CDATA[JENITA JENITA]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 2 (2017): Juli - Desember 2017 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v2i2.136
<![CDATA[The theme of the article is the banks and financial institutions. Small and medium-sized enterprises desperately need the role of Sharia Microfinance Institutions primarily in terms of capital used to expand the market and expand its business so that it contributes greatly in the national economy. The role of Islamic microfinance institutions could have been tested and overcome the economic crisis for some time and even strengthened. UMKM including business units that rely heavily on LKMS in the long term for the good of the Indonesian economy, it is not surprising that many people are looking at LKMS, but the attention given has not fully addressed the fundamental issues facing LKMS so that it can really strengthen and develop a financing institution for UMKM are mainly small communities. Judging from the potential and funding sources that have been running, in fact LKMS has adequate funding in serving its customers and in the management of funds based on sharia. If the management of funds made by Islamic financial institutions can coordinate with each other, then it can be used as a great force.]]>
<![CDATA[ANALISIS STRATEGI AKUISISI DAN RESTRUKTURISASI DALAM BISNIS PERUSAHAAN ]]>
<![CDATA[HELMALIA HELMALIA]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 1 (2016): Januari - Juni 2016 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v1i1.24
<![CDATA[Companies need to develop an appropriate strategy in order to maintain its presence and improve its performance. One attempt to become a large company and strong is to implement the strategy of acquisitions and restructuring. The advent of the era of free-market impact on the company's business competition is getting tighter. This condition spur businesses to be concerned about the strategy pursued. Even companies continue to attempt to formulate and refine their business strategies in order to win the competition. Acquisition strategy as the dominant means used by companies to develop strategies for diversification and at the time of acquisition contributed to the poor performance, the company may consider the necessity of restructuring operations. With the acquisition and restructuring strategies that run the company is expected to stabilize the company's business so as to reduce the risk of the company.]]>
<![CDATA[MANAJEMEN PENGELOLAAN LEMBAGA AMIL ZAKAT DENGAN PRINSIP GOOD GOVERNANCE ]]>
<![CDATA[AGUS PERMANA]]>;
<![CDATA[AHMAD BAEHAQI]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 2 (2018): Juli - Desember 2018 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v3i2.195
<![CDATA[This study describes about the management of zakat based on good governance principles. The method of this study is using library research such as secondary data in the form of books, journal articles or other literature based on the topic being discussed. The results of this study show that good governance is required by LAZ to improve professional performance in order to meet the interests of stakeholders. The implementation of Good Governance Principles in the management of zakat is as follows: Transparency, it means that LAZ must apply the principle of information disclosure to stakeholders. Accountability, it means that LAZ must hold the principle of trust (accountable) in managing zakat funds. Responsibility, it means that LAZ is responsible for distributing zakat funds right up to mustahiq. Independency, it means that LAZ is managed independently and has no dependence on certain people or other institutions. Fairness, it means that LAZ should make every effort to be fair in distributing zakat funds for those who are entitled to it. Sharia Compliance, it means that the collection and distribution of zakat funds managed by LAZ must comply with the Islamic corridor.]]>
<![CDATA[PERMASALAHAN BANK ISLAM DAN BANK SENTRAL ]]>
<![CDATA[MEIRISON MEIRISON]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 2 (2017): Juli - Desember 2017 ]]>
Publisher : <![CDATA[Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang ]]>
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DOI: 10.15548/al-masraf.v2i2.110
<![CDATA[The theme of the article is the banks and financial institutions. Islamic banks have experienced significant new developments which are an option for Muslims not to practice Riba anymore. This is of course the desire of all Muslim individuals who want to apply Islamic law that facilitates transactions, production and service. In this case Islamic banks have privileges that are not owned by other banks but faced with several obstacles and problems in conducting their activities in the field. The author will discuss this issue to obtain a viable solution in order to serve as a consideration for decision makers in Islamic banking in the constraints encountered during contact with the central bank. After making observations it can be seen that the government's support for these Islamic banks is virtually nonexistent in investment as well as financing which are the problems and challenges faced by Islamic banks. Coupled with the scarcity of experts in the science of fiqh mu'amalah associated with the operating system of Islamic banks and the problems encountered when conducting activities with customers and relationships with conventional banks and central banks. In addition, most fiqh experts do not have sufficient knowledge in modern finance as well as various forms of transactions and activities. The pattern of supervision on Islamic banks is still in the form of surveillance conducted by the West both in the form of juridical supervision and in the field of finance which greatly narrow the space for the Islamic banks themselves by it self Islamic banks but are in the position of conventional banks. Coupled with the newcomers who are a counter. This discussion recommends that the central bank have special treatment of Islamic banks and let Islamic banks reconsider the existing investment banking patterns and accounts of the central banks associated with the Statutory Reserve (Statutory Reserves/Legal Reserves). Islamic banks have much less reserves than conventional banks. The research to find the solution of this problem should be developed by the Islamic financial review center to improve the performance and performance of Islamic banks to face globalization and the global financial crisis in particular.]]>
