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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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Kab. bone,
Sulawesi selatan
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 25 Documents
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ANALISIS STRUKTUR MODAL, PROFITABILITAS DAN UKURAN PERUSAHAAN TERHADAP NILAI SAHAM PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BURSA EFEK INDONESIA Rini Idayanti; Hasni Hasni
Islamic Banking and Finance Vol 2, No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i2.3790

Abstract

Stock value or stock price can be interpreted as a price that is created from the interaction of buyers and sellers stock, which based on their expectations for corporate profits. High value of the stock would make the company's value also high. There are several factor that affect the stock value, in this study only examined three variables, which are the Capital Structure, Profitability and Size Company. The study aims to determine the Capital Structure, Profitability and Size Company simultaneously and partially influence the stock value of Manufacture companies listed in Stock Exchange on period of 2016-2018. 36 companies was analyzed as the samples. The analytical method used was multiple linear regression analysis using eviews program. The results showed that simultaneous Capital Structure, Profitability,size company influence on Stocks value. Capital Structureand and profitability partially affect the stock value, while size copany Policy does not affect the stock value. Suggestions for company management, must maintain the state of the company's capital structure and efficiently, so that company is able to perform an optimal capital structure.
PENGARUH PARTISIPASI PENGUSAHA MUSLIM BUGIS TERHADAP PENGENTASAN KEMISKINAN DI KABUPATEN BONE SULAWESI SELATAN Syamsul Bahri
Islamic Banking and Finance Vol 1, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i1.3009

Abstract

The purpose of this study was to determine how much influence participation (X) had on poverty alleviation (Y), in Bone Regency, South Sulawesi. This research is included in the explanatory research. It is said so, because this study connects 2 (two) variables, namely participation as the independent variable (X), and poverty alleviation as the dependent variable (Y). Furthermore, to determine the effect of participation (X) of Bugis Muslim entrepreneurs in Bone Regency, hypothesis testing was carried out by comparing the t table with t arithmetic (t test and F test). Based on the results of the study, it is known that the effect of participation on poverty alleviation is obtained by a tcount of3.516with a significance of 0.001. Thus, participation (X) has a significant effect on poverty alleviation (Y). Keywords: Participation, Bugis Muslim Entrepreneurs, Poverty
IMPLEMENTASI STRATEGI MARKETING MIX 7P PADA PRODUK iB HIJRAH HAJI (STUDI BANK MUAMALAT KCP BONE) Novita Sari
Islamic Banking and Finance Vol 3, No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v3i1.5211

Abstract

To continue to exist and be able to compete with conventional banks, marketing strategies from Islamic banks are needed that can be welcomed and enthusiastically received by the public. In marketing science, known as the0concept0of0the0marketing0mix0for market penetration steps, marketing products to the market requires several strategies which include several 7 elements consisting of:0product,0price,0place and0promotion,0people,0physical0evidence0and0process. Bank Muamalat, as the first sharia bank in Indonesia that was able to survive during the monetary crisis, is one of the Recipient Banks for Hajj Pilgrimage Deposits (BPS-BPIH) registered at the SISKOHAT Ministry of Religion of the Republic of Indonesia. This study0aim0to0determine0how implementation the marketing mix 7P strategy of iB Hijrah Hajj in Muamalat Bank Sub Branch of Bone. This0type0of0research0is field0research using qualitative0research0methods0and0escriptive approach. that is collected0through observation, interview and0documentation techniques which are then processed and analyzed with the methods0of data reduction, data presentation0and drawing conclusions. The Marketing Mix 7P strategy at Muamalat KCP Bone bank has been implemented properly, starting from Product: more practical, comfortable, lightweight, seems popular and easy to remember with the word "Haji" in the product name. Price: initial deposit cheap pilgrimage departure fees can start from Rp. 10,000. Place: strategic promotional locations such as mosques, campuses, residents' houses, Promotion: approach religious figures, take advantage of the customer's family network. People: marketing staff employees are equipped with education and training so that form qualified and skilled human resources. Physical Evidence: view of the office layout that is clean and comfortable because it is equipped with a purple sofa as Bank Muamalat's distinctive color. Process: procedures, services and mechanisms starting from the opening of the iB Hijrah Hajj savings account until it is finished, which is carried out carefully and transparently
PENGARUH PEMBIAYAAN MUSYĀRAKAH TERHADAP TINGKAT PROFITABILITAS BANK UMUM SYARIAH TAHUN 2017-2019 sulfiana lutfiah; Rina Novianty
Islamic Banking and Finance Vol 2, No 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i1.3786

Abstract

This study aims to examine the effect of musyārakah financing on the profitability level of Islamic commercial banks and how much it affects the three-year period through published report data. This study consists of two variables, namely the independent variable which is mūrābahah financing and the dependent variable is the level of profitability. Type of research using quantitative research. The data source in this study is a secondary data source from Islamic commercial banks in the period 2017 to 2019 and analyzed by panel data regression. Based on the results of data testing in the combined test, the effect of musyārakah financing on profitability shows a probability value (X) of 0.0038 where 0.05, then the hypothesis is accepted. So musyārakahini financing has a significant effect on the profitability of the three Islamic commercial banks that have been studied, namely Bank Mega Syariah, Bank BCA Syariah, and Bank Syariah Bukopin.
MODEL PENYELESAIAN PEMBIAYAAN BERMASALAH DENGAN MENGGUNAKAN METODE RESTRUKTURISASI PEMBIAYAAN AKAD MUDHARABAH DI BANK SULSELBAR CABANG SYARIAH MAKASSAR cakra cakra; Haslinda Haslinda
Islamic Banking and Finance Vol 1, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i1.2998

Abstract

Abstract This research discusses aboutsettlement of non-performing financing using the restructuring method and the procedure for granting a restructuring policy for mudrabah contract financing provided by the bank of sulselbar to defaulted customers. The type of research conducted by the researcher is classified as qualitative descriptive with a phenomenological approach. The resources in the research are the leadership of the Islamic Bank Sulselbar along with the front liners as the credit analysis team. With data collection methods in the form of interviews, documentation and several institutional references. Data management and analysis techniques were carried out by in-depth interviews with informants. After doing the research, the writer made the results of the interview by playing back the interview recording and then rewriting the words that matched what was in the recording. After the researchers wrote the results of the interviews, the researchers then made data reduction by way of abstraction, namely taking data that was in accordance with the research context and ignoring data that were not needed. The results show that the problem financing settlement model at the Islamic Bank Sulselbar uses 3 stages, namely financing restructuring, subrogation or guarantor institutions as well as litigation and guarantee execution which are carried out persuasively to customers while still based on applicable regulations. With the procedure for providing a restructuring policy for mudharabah contract financing, it refers to BI regulations as the central bank and still follows the company operating standards (SOP) run by the Islamic Bank of South Sulawesi. Key words: Financing Restructuring, Mudharabah Agreement, BI and OJK
MEKANISME PEMBUKAAN DAN PENUTUPAN REKENING TABUNGAN PADA ANAK USIA DINI DI BANK SYARIAH(Studi pada PT Bank Muamalat Kabupaten Bone) masyhuri masyhuri; Juliandari Putri
Islamic Banking and Finance Vol 2, No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i2.3791

Abstract

A bank is a financial institution whose main business is to raise funds, distribute funds, and provide services in payment traffic and money circulation. Islamic banking as an institution that collects and distributes funds has various types of businesses that offer various conveniences for the public to meet the needs of business capital, consumptive needs, future savings, and just meet entertainment needs. Mechanism is a process of carrying out an activity carried out by a person or several people using orders and rules as well as the flow of communication and division of tasks in accordance with professionalism. This study aims to find out how the mechanism for opening and closing savings accounts in early childhood in Islamic banks, and to find out how savings law in early childhood is in an Islamic economic perspective. Based on the purpose of the study, this research is a type of qualitative research using a grounded theory approach. This technique is used to describe the data that researchers collect, both data from interviews, observations and documentation during research at "PT. Bank Muamalat Bone Regency". The results of this study show that the mechanism for opening and closing accounts in early childhood savings is on the condition that the identity of the child who wants to open a savings account must already have a birth certificate and have been recorded in the family card, and the contract system used in this savings is to use a wadiah contract in the form of a entrustment
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).
CORPORATE SOCIAL RESPONSIBILITY (CSR) DI LEMBAGA KEUANGAN SYARIAH (LKS) Zulkifli Zulkifli; Febriani Febriani
Islamic Banking and Finance Vol 3, No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v3i1.5212

Abstract

Tujuan dalam penelitian ini adalah untuk mengetahui Bentuk PelaksanaanCorporate Social Responsibility (CSR) Di lembaga keuangan syariah (LKS)Metodepenelitian menggunakan studi literatur, yaitu pengumpulan data pustaka, denganmelakukan penelusuran terhadap penelitian yang pernah dibuat sebelumnya maupundari publikasi lembaga terkait. Ruang lingkup atau objek penelitian ini yaitucorporate social responsibility (CSR) di lembaga keuangan syariah (LKS).Hasil Penelitian yaitu Bentuk Pelaksanaan Corporate Social Responsibility(CSR) Di lembaga keuangan syariah (LKS) yaitu 1) Kepatuhan Syariah 2). Keadilandan kesetaraan Kegiatan operasional. 3). Bertanggung jawab dalam bekerja 4).Jaminan kesejahteraan 5). Jaminan kelestarian alam 6). Setiap tindakan Bantuankebajikan atau social.
ANALISIS PERAN PEMBIAYAAN MIKRO PERBANKAN SYARIAH ERHADAP MASYARAKAT PELAKU USAHA MIKRO (STUDI KASUS PADA BANK SYARIAH INDONESIA KCP BONE JEPPE’E) Ismail keri
Islamic Banking and Finance Vol 2, No 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i1.3785

Abstract

This study discusses the analysis of the role of Sharia financing on the community of micro-business actors in a study at Bank Syariah Indonesia KCP Bone Jeppee. The purpose of this study is to find out how the role of Sharia financing in the community of micro-entrepreneurs and how the operational standards of microfinance of Bank Syariah Bone branch. Based on the purpose of the study, this research is a type of research in the fieldfield research using a qualitative descriptive approach. This technique is used to describe the data researchers collected from the data from interviews during research at Bank Syariah Indonesia cab. Bone Jeppe'e. The results showed that Bank Syariah Indonesia was given a good role in the economic growth of the community and one of the financing roles given to the community, namely by providing capital loans for the community for the development of micro and medium enterprises around the Jeppe'eserta area as well as providing assistance and guidance by providing briefing to customers in the development of their business in order to develop for the better and The standard operating procedures for microfinance go through the market process stages, the initial process of collecting data on the financing analysis stage of the financing approval stage of the binding stage of the contract in the disbursement stage and the monitoring stage.
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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