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
Articles
124 Documents
<![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 ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
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 PENERAPAN SISTEM INFORMASI MANAJEMEN DAERAH (SIMDA) KEUANGAN PADA PEMERINTAHAN KOTA PARIAMAN ]]>
<![CDATA[NOVIA CITRA DEWI]]>;
<![CDATA[SELIA MARISKA]]>
<![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 ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.15548/al-masraf.v3i1.169
<![CDATA[This study aims to obtain an overview of the implementation of financial SIMDA at the Head Office of Pariaman Tengah, East Pariaman Sub-District Office, Office of South Pariaman Subdistrict and Office of North Pariaman Sub-District. And know the understanding of employees in implementing SIMDA Finance and obstacles encountered in its application. Respondents in the study were four persons consisting of accounting and reporting staff. Data were collected through direct interview with respondents. The results of interviews and data that have been collected are analyzed by descriptive method using phenomenology approach. The results of the study indicate that in general employees have understood the meaning of financial SIMDA as well as description of its implementation related to input and output data. Constraints faced in the implementation of this SIMDA Finance applications SIMDA is rapidly expired, frequent offline network, there is no documentation about the flow chart summary that shows cash flow data, weak data management system, procedures to see the data incidental still too long, space is still inadequate offices as well as the occurrence of human error.]]>
<![CDATA[PENERAPAN MANAJEMEN PERUBAHAN DENGAN ANALISIS TURNAROUND DALAM MENINGKATKAN KINERJA PERUSAHAAN ]]>
<![CDATA[HELMALIA HELMALIA]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 2 (2016): Juli - Desember 2016 ]]>
Publisher : <![CDATA[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.v1i2.55
<![CDATA[The theme of the article is financial management. This article discusses how the changes should be made to the Turnaround analysis approach that can improve the performance of a company. The article is the result of the study of literature. Change is an important portion of a management, where every leader is measured ability to predict changes and to make changes as the potential of the company's performance. A leader faces changes by having a vision and strategy that is based on assumptions about the future situation which is expected to occur. Along with the development of science and technology requires a company to change the level of productivity and company performance. This has encouraged management to be able to make changes in various ways or methods. One of them with an analysis of the Turnaround is to do a fundamental change, through changes in leadership, management, operational processes, and changes in the market approach. All these aim to increase the market value and increase the efficiency of the company in the long term. Change does not have to happen, but changes must be able to run well. Management changes are required in order to assist the process of change to become more focused and able to put these changes into the organization or the company's business world.]]>
<![CDATA[PEMBIAYAAN MUDHARABAH DAN DAMPAKNYA TERHADAP OMSET USAHA MIKRO DI KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH EL-UMMA ]]>
<![CDATA[TAMI NADIRAH]]>;
<![CDATA[DENI LUBIS]]>;
<![CDATA[ALLA ASMARA]]>
<![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 ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.15548/al-masraf.v4i1.207
<![CDATA[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.]]>
<![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 ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
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[PERAN OBLIGASI SYARIAH (SUKUK) BAGI INVESTOR ]]>
<![CDATA[NURYANTI NURYANTI]]>
<![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 ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.15548/al-masraf.v3i1.163
<![CDATA[Syariah bonds (sukuk) are Government Securities issued under sharia principles as proof of participation in State Sharia Securities (SBSN) assets in both rupiah and foreign currency. Where the issuer is obliged to pay revenues in the form of returns to investors and return principal on maturity. This means that bonds with a maturity of five years, sukuk holders receive a yield every month and principal funds are returned at maturity. The role of sharia bonds for investors is this investment is guaranteed payment by the government, for sharia investors this investment is not contrary to the principles of sharia, so in addition to safe also reassuring. In addition, the benefits earned are more profitable than the average deposit rate of BUMN Banks, potentially acquiring Capital Gains, can be marketed in the secondary market through the Stock Exchange, and provide an opportunity for the community to participate in supporting the financing of national development. Sukuk Investment Fund at least five million rupiah per multiplier and maximum five billion. The funds are used to finance infrastructure development. For example for the construction of highways, the purchase of assets in the form of buildings, buildings leased to audiences, then the results of rental buildings provided by investors as the yield of sukuk. The party managing the fund is the issuer or issuer, the return is directly debited in investor's account every month.]]>
<![CDATA[PENGARUH PEOPLE, PROCESS, DAN PHYSICAL EVIDENCE TERHADAP KEPUASAN ATAS PELAYANAN PADA PERBANKAN SYARIAH DI KOTA PADANG ]]>
<![CDATA[SIGIT SANJAYA]]>;
<![CDATA[NILA PRATIWI]]>
<![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 ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.15548/al-masraf.v3i2.201
<![CDATA[This study aims to analyze: 1) the effect of people on the satisfaction of services in Islamic banking in Padang city 2) the effect of process on satisfaction of services in Islamic banking in Padang city 3) the effect of physical evidence on satisfaction of services in Islamic banking in Padang city. This study classified as descriptive causative research. The population in this study are custome in Islamic banking in Padang city. Determination of the number of samples using the Hair’s method. The distribution of questionnaires used accidental sampling techniques. Data were collected through questionnaires using a Likert scale and data analysis using PLS SEM. The results of this study indicate that: 1) there is a significant positive effect between people on satisfaction of service to Islamic banking in the city of Padang. 2) there is no significant effect between the process on satisfaction of serviceso in Islamic banking in Padang city 3) there is no significant effect between physical evidence on satisfaction of services in Islamic banking in Padang city.]]>
<![CDATA[ACCELERATION OF FINANCIAL TECHNOLOGY GROWTH IN ISLAMIC BANKS AS AN EXISTENCE EFFORT TO FACE THE PANDEMIC OF COVID-19 ]]>
<![CDATA[M IQBAL]]>;
<![CDATA[RINOL SUMANTRI]]>;
<![CDATA[RATIH KHOIRUNNISA]]>
<![CDATA[ Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022 ]]>
Publisher : <![CDATA[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
<![CDATA[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.]]>
<![CDATA[PERANAN RISK-PREFERENCE TERHADAP PEMBIAYAAN MACET PADA BMT: METODE EKSPERIMEN MULTIPLE PRICE LIST ]]>
<![CDATA[DAVY HENDRI]]>
<![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 ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.15548/al-masraf.v2i1.91
<![CDATA[The theme of the article is the banks and financial institutions. Several studies have also found that various LKMS financing products also provide incentives and disincentives to the trend of stalled installment financing. This study highlights the impact of characteristics such as: risk and religiosity preferences, which may differ from individual beneficiaries of financing to sharia microfinance institutions (LKMS) to the probability of stalling their financing. The study was conducted by taking primary data in the form of samples of 60 customers who received financing from 1 LKMS but consisted of 30 debtors who experienced financing installment defaults and 30 went smoothly. The process of collecting data uses a questionnaire containing questions about basic demographics, in addition to questions aimed at raising Islamic risk and religiosity preferences. In addition, the impact of external environmental characteristics is also estimated by using probit regression. Group-based financing, which is one of the objectives of reducing adverse selection, can have the opposite effect. Ineffective group roles for various reasons, contagion can be a trigger for moral hazard for other group members. The study found that in addition to religiosity, as an internal factor, the effectiveness of financing groups as a timely external factor of timely payment compliance also plays an important role.]]>
<![CDATA[KETERKAITAN ANTARA MODAL SOSIAL DENGAN EFISIENSI KELEMBAGAAN PADA KOPERASI PONDOK PESANTREN SIDOGIRI, PASURUAN ]]>
<![CDATA[FARAHDILLA KUTSIYAH]]>;
<![CDATA[AGOES KAMAROELLAH]]>;
<![CDATA[UMMU KALSUM]]>
<![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 ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.15548/al-masraf.v4i1.213
<![CDATA[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.]]>
