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Yenti Afrida
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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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INDONESIA
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 124 Documents
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PENGARUH TEKANAN KETAATAN, KOMPLEKSITAS TUGAS DAN KEAHLIAN AUDIT TERHADAP PROFESIONALISME AUDITOR YUSUF FAISAL; EGI GUMALA SARI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 1 (2018): Januari - Juni 2018
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.v3i1.166

Abstract

This study aims to obtain evidence on the influence of compliance pressure, task complexity, and audit expertise on the auditor's professionalism with the work environment as intervening variable at the State Audit Board of the Republic of Indonesia Riau Islands Representative. This research method is survey method with associative explanation level. The sample in this research is 38 Auditor of State Audit Board Republic of Indonesia Riau Islands Representative. The analytical techniques used are Descriptive Statistics, Classical Assumption Test, and hypothesis test, to test the hypothesis using partial test (t-test), Simultaneous Significant Test (F-test), and Intervening Variable Test. The results of this study indicate that partially known that each variable pressure of obedience, the complexity of the task of audit expertise and work environment has a direct influence on the work environment. There is a direct influence of the variable of pressure of obedience to auditor professionalism through work environment. There is a direct influence of task complexity variables on auditor professionalism through the work environment. There is a direct influence of audit skill variables on auditor professionalism through the work environment.
STRATEGI PELAYANAN BANK KONVENSIONAL DAN SYARIAH: PRIORITAS PELAYANAN FISIK DAN EMPATI RONI ANDESPA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 2 (2016): Juli - Desember 2016
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.v1i2.53

Abstract

The research theme is the financial and banking institutions.  The study was conducted in West Sumatra. The object of the research is 250 sharia banks and 250 conventional banks research objectives are: (1) To see if there is a difference in perception based on the background of customers on variable tangible and empathy, (2) To see the relationship between the characteristics of the customer with variable tangible and empathy. The va­riables studied were: (1) Tangible, (2) Empathy, (3) Characteristics of respondents. The study is quantitative. Analysis of the data using (1) Cross Tabulation, (2) Pearson Chi-Square Test. Results of the study are: In the conventional banks (1) Between the tangible variables with the characteristics of customers no significant relationship. (2) There is a significant relationship between the variables of empathy with the educational of custom­ers. Sharia bank (1) The existence of a significant relationship between the variables tangible with the age of the customer. (2) There is a significant relationship between the variables of empathy with the gender of customer.
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).
FINANCIAL CONTROL BETWEEN RASHIDUN CALIPHS AND THE LATE 11TH CENTURY BASSEM ISMAIL; HAMIDAH HAMIDAH
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 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.v4i2.216

Abstract

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).
KONSEP MANAJEMEN SUMBER DAYA MANUSIA : IMPLEMENTASI PADA INDUSTRI PERBANKAN SYARIAH ROZALINDA ROZALINDA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 1 (2016): Januari - Juni 2016
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.v1i1.28

Abstract

The banking sector has a strategic role to support national development that lead to an increase in the distribution of development and its results. Various problems still constrain the development of Islamic financial institutions in Indonesia, including regulatory issues, management, and SDI. Of the overall Islamic banking existing SDI, SDI 90% of its currently do not have the educational background of sharia economy. Educational background sharia only 10% SDI islamic background. The purpose of this study was conducted to elucidate the pattern of recruitment of employees in Islamic banks. Then, uncovering the factors that causes a lack of SDI berlatang behind sharia recruited into a sharia bank employees. Then, formulate strategic steps College of Islamic Religion to improve the competence of its graduates to be ready to compete in the world of work. Employee recruitment process in Islamic banks through several stages namely, administrative Selection, Test first round of interviews, a written test, Physicotest, the second stage interview, Test health.
PENGARUH GAYA KEPEMIMPINAN, MOTIVASI, DAN KEDISIPLINAN KERJA TERHADAP KINERJA KARYAWAN PADA PT. BTN CABANG SYARIAH PEKANBARU JELI NATA LIYAS
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 2 (2018): Juli - Desember 2018
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.v3i2.199

Abstract

The purpose of this study was to determine the influence of Leadership Style, Motivation and Discipline on work performance on employee performance in PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Syariah Pekanbaru. Data analysis used is multiple linear regression analysis. The sample of this study are 35 respondents who are permanent employees in PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Syariah Pekanbaru. The variables used are Leadership Style, Motivation and Discipline of work achievement. The results showed that the three variables tested simultaneously have a significant effect on employee performance in PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Syariah Pekanbaru. Partially Leadership Style significantly influence, while Motivation and Discipline of work achievement does not significantly influence. Leadership, Motivation and Discipline Variables on work performance have an effect of 8.36% on employee performance while the remaining 16,4% is influenced by other variables not included in the research.
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH PEGADAIAN SYARIAH DI KOTA PEKANBARU WIRDAYANI WAHAB
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 1 (2017): Januari - Juni 2017
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.v2i1.89

Abstract

The theme of the article is the banks and financial institutions. The study aims to determine the effect of service quality on customer satisfaction, and to know the difference. The study was conducted in the city of Pekanbaru. The sample was 100 respondents. The analytical method used is multiple linear regression analysis. The results showed: The quality of service has a positive effect on customer satisfaction.
THE INFLUENCE OF MOBILE BANKING SERVICE QUALITY ON CUSTOMER SATISFACTION OF INDONESIAN SHARIA BANK (CASE STUDY: ASN UIN IMAM BONJOL PADANG) AMNAH SARI; YENTI AFRIDA; NILA MARDIAH
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 1 (2022): Januari - Juni 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.v7i1.287

Abstract

This research is a type of quantitative research that aims to determine the effect of the quality of mobile banking Bank Syariah Indonesia on customer satisfaction. The data used in this study is primary data obtained directly from the answers of 88 respondents who are ASN UIN Imam Bonjol Padang as customers of mobile banking BSI The analytical method used is a simple linear regression analysis method. Based on the results of the study, it is known that the variable quality of mobile banking has an influence on customer satisfaction from the results of hypothesis testing or t-test, a significance value of 0.000 < than 0.05. From the simple linear regression equation, the X regression coefficient is 0.518 which states that if the quality of mobile banking services (X) increases by one unit, then customer satisfaction (Y) will increase by 0.518 or 51.8%. In the R-Square coefficient of determination the effect of mobile banking (X) on customer satisfaction (Y) is 0.713=71.3% and the remaining 28.7% is influenced by factors other than service quality that are not included in this study.
PENGARUH INSTRUMEN KEUANGAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI INDONESIA FARMA ANDIANSYAH; SYAFIQ MAHMADAH HANAFI; SLAMET HARYONO; TAOSIGE WAU
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 1 (2022): Januari - Juni 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.v7i1.288

Abstract

The growth of Islamic finance in Indonesia has experienced very significant growth. The Indonesian government hopes that the financial sector will become an important instrument in promoting economic growth in Indonesia, but it seems that the percentage of economic growth in Indonesia has declined over the past decade. This study aims to analyze the impact of Islamic financial instruments on economic growth in Indonesia. This study uses a quantitative method with an Autoregressive Distributed Lag (ARDL) model analysis tool. The results of this study show that all Islamic financial instrument variables have a negative effect on economic growth in the short term. Meanwhile, in the long term, all independent variables have a positive effect on economic growth except for Sharia Mutual Funds which show a negative effect and Sharia Bank Financing and Sharia Stocks have no effect on economic growth in Indonesia. Thus, it can be concluded that Islamic financial instruments in the long term have a positive influence on encouraging economic growth in Indonesia.
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.

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