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Muh. Arafah
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jurnalibfperbankan@gmail.com
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islamicbanking@iain-bone.ac.id
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Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Bone Polewali Kec. Tanete Riattang Barat Kab. Bone Provinsi Sulawesi Selatan 92721
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INDONESIA
Islamic Banking and Finance
Published by Institut Agama Islam Negeri Bone
ISSN : 28284402     EISSN : 29639034     DOI : https://doi.org/10.30863/ibf
Core Subject : Economy,
Economics, Econometrics & Finance
Journal IBF (Islamic Banking and Finance) is a scientific journal managed by Islamic banking, the Bone State Islamic Institute of Religion. This journal focuses on major studies in Islamic Finance, Islamic Banking, finance, Islamic Financial Technology, Islamic Accounting and relevant fields of science.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol 1, No 2 (2021)" : 5 Documents clear
PENGARUH PENDAPATAN TERHADAP MARGINAL PROPENSITY TO SAVE (MPS) RUMAH TANGGA PADA PEGAWAI NEGERI SIPIL (PNS) DI IAIN BONE Musrini Muis
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.3015

Abstract

This study discusses the Effect of Income towards household Marginal Prospenstiy to Save (MPS) on Civil Servants (PNS) at IAIN Bone. The objectives of this study are: (1) To determine the effect of income on household marginal propensity to save (MPS) in civil servants at IAIN Bone (2) to determinehousehold marginal propensity to save (MPS) in civil servants at IAIN Bone.This study uses quantitative research with an Islamic microeconomic approach with a total sample of 61 respondents. The data collection method used is questionnaire method (questionnaire) and documentation method. The data analysis technique used is descriptive analysis and simple linear regression analysis with the tests used in the form of validity and reliability to determine the effect of income variables on the Marginal Propensity to Save (MPS) variable, which previously tested normality and linearity. Subsequently, hypothesis testing is done in the form of simultaneous tests (f test) and Partial Test (T Test). The results of these studies, viewed linearly that the Income variable has a linear relationship to Marginal Propensity to Save (MPS) about 0.383.Based on Marginal Propensity tosave from 61 respondents surveyed, there were 20 people or 33% of respondents who had a higher Marginal Propensity toSave compared to their Consumption Expenditures. While 41 people or 67% of respondents have higher consumption expenditure compared to Marginal Propensity To Save.
ANALISIS KOMPARASI TINGKAT RISIKO PEMBIAYAAN JUAL BELI DENGAN BAGI HASIL PADA BANK MUAMALAT KCP. BONE Ahmad Rafi
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.2992

Abstract

Despite a fairly rapid development of Islamic Banking in Indonesia, but the composition of cost is still imbalance. This is proved by the nomination of skim murabahah (consumptive sale and purchase) compared with skim mudarabah (products division/productive). The cost of mudarabah is the cost of real sector and considered has high risk. Therefore, syariah bank needs to apply risk management and evaluate the level of maximum risk that might happen on the costs spent. The data were analyzed using credit risk method. Credit risk is a model of risk measurement of costs portfolio. This model was introduced by Credit Suisse Financial Products (CSFP) in 1997.This approach wasmaximum loss measurement from default credit portfolio. Data input credit risk are as follow; (exposure of default, default rates, probability of default, and expected loss) after having results of data analysis and then were analyzed using trend analysis to measure the frequency of risk level happened in the period of 2013-2014 and used analysis of hypothesis test one sample T test to obtain the comparison of risk level of sale and purchase of product division. The results of trend analysis express that the frequency of the occurrence of financial risks is more dominant on the sale and purchase contract, it can be seen in June 2013 until December 2014 NPF murabahah continuously improved, it is different with mudarabah (product division) that still run well. While the results of comparative test analysis One sample T test state that the cost of murabahah contract has higher risk measured from the high costs of financing bogged down experienced in this case the collectability category 5 at the end has impact on the level of achievement of profitability of Muamalat banks.
INOVASI KEUANGAN DIGITAL ISLAMIC NETWORK ( DIN) TERHADAP OPTIMALISASI PELAYANAN JASA PERBANKAN DI ERA DIGITAL (STUDI KASUS BANK MUAMALAT ) Ahmad Takdir
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.3008

Abstract

This study discusses the Islamic digital network (DIN) innovation for banking service products in the digitalization era at Bank Muamalat KCP Kab.Bone. The objectives of this research are (1). To find out the muamalat digital Islamic network (DIN) innovation for banking services. (2). To find out the impact of the muamalat digital Islamic network (DIN) innovation on the optimization of banking services in the digitalization era. The type of this research is the type of field research (field research) with the research approach used is a qualitative approach. This technique is used to describe the data that researchers collect, both data from interviews, observations and documentation during research at Bank Muamalat KCP Kab. Bones. The results of this study indicate that (1).Muamalat digital Islamic network (DIN) is a mobile banking muamalat which is then transformed into a digital Islamic network muamalat. In the application of the muamalat digital Islamic network (DIN) which was introduced and implemented throughout Indonesia on November 14, 2019, Bank Muamalat targets to provide convenient and uncomplicated services so that it has positive implications for customers. This product is upgraded so that it is not inferior to other products and so that it can compete in the digital 4.0 era (2). The impact of the implementation of the Islamic digital Islamic network (DIN) on the optimization of banking services in the digitalization era are: the use of the digital Islamic network (DIN) muamalat provides easy service to customers, saves time, provide security to customers and provide satisfaction to customers. Thus the creation of effectiveness and efficiency in the application of digital Islamic network (DIN) muamalat, there will be optimization of banking services in the digital era.
MEKANISME HAWALAH DENGAN DANA INFAK DALAM PEMBIAYAAN USAHA SYARI’AH KOTA MOJOKERTO Muh. Hasbi Ash. Shiddiq
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.3012

Abstract

This article aims to find out the debt transfer agreement in the PUSYAR program. PUSYAR is a program to strengthen UMKM where PUSYAR participants get business capital assistance with a murabahah scheme. The margin from the murabahah is paid by the Mojokerto City Baznas using infaq funds. This research is descriptive qualitative with a case study approach to find out the phenomenon and find the meaning of a case. The results of this study are, the contract in the process flow of the transfer of margin debt from the murabahah contract is in the form of a hawalah contract where BAZNAS (muhal 'alaih) pays the margin debt of PUSYAR participants ( muhil) to the BPRS (muhal).
PENGARUH TINGKAT SUKU BUNGA PERBANKAN TERHADAP REALISASI INVESTASI DI INDONESIA (PERIODE 2011-2020) A. Ika Fahrika; Muhammad Abdi Buhasyim
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.3001

Abstract

This study aims to determine (1) the effect of banking interest rates on investment realization in Indonesia, (2) how much banking interest rates on investment realization in Indonesia,The data analyzed is secondary data with time series (2011-2020). The data analyzed is secondary data with time series (2011-2020). The research to be carried out is expo facto (research conducted after what is to be researched has occurred). In this study, researchers used a quantitative research approach. Judging from its nature, this research is an associative research, which is a study that aims to determine the relationship between two or more variables. The data analysis that will be used in this research is linear regression which aims to describe the relationship between banking interest rates and investment realization in Indonesia.The results of the study show that (1) interest rates have a negative and insignificant effect on investment realization in Indonesia. (2). The magnitude of the influence of bank interest rates on investmentraelization is 11.2% and the rest influenced by other variables.

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