cover
Contact Name
Hastin Tri Utami
Contact Email
wealth@uinsaizu.ac.id
Phone
+6285227056696
Journal Mail Official
wealth@uinsaizu.ac.id
Editorial Address
Jl. Jend. A. Yani No. 40A Purwokerto
Location
Kab. banyumas,
Jawa tengah
INDONESIA
Wealth: Journal of Islamic Banking and Finance
ISSN : 29630126     EISSN : 29649641     DOI : https://doi.org/10.24090/wealth
Core Subject : Economy,
Asset management, Fund Management and Asset Pricing; Banking (Efficiency, Regulation, Risk Management, Solvency); Behavioural Finance; Capital Structure; Corporate Finance and Corporate Governance; Derivative Pricing and Hedging; Distribution Forecasting with Financial Applications; Entrepreneurial Finance; Empirical Finance; Financial Economics and General Equilibrium Models; Financial Markets (Alternative, Bonds, Currency, Commodity, Derivatives, Equity, Energy, Real Estate); FinTech and Micro Finance; Capital Market.
Articles 5 Documents
Search results for , issue "Vol. 1 No. 2 (2022)" : 5 Documents clear
Comparative Analysis of Financial Distress Risk in Sharia Foreign Exchange Bank and Non-Foreign Exchange Sharia Bank in Indonesia in 2014-2018 Using the Method Altman Z-Score Modification Cindi Yayang Safitri; Akhris Fuadatis Sholikha
Wealth: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v1i2.7005

Abstract

This study aims to perform a comparative analysis of predictions of financial distress at Sharia Foreign Exchange Banks and Non-Foreign Exchange Sharia Banks. This study uses the Modified Altman Z-score model to explain the prediction of financial distress at Sharia Foreign Exchange Banks and Non-Foreign Exchange Sharia Banks, then the Mann-Whitney U Test is used to show a comparative analysis of the Altman Z-score value. Data used in This research is time series data, data from 2014 to 2018. The data is obtained from the publication of each website of the Sharia Foreign Exchange Banks and Non-Foreign Exchange Sharia Banks. Sampling technique in research uses a purposive sampling method. This study uses a sample of as many as 4 Sharia Foreign Exchange Banks and 4 Non-Foreign Exchange Sharia Banks. The results showed that based on the calculation of the level of risk financial distress carried out at Sharia Foreign Exchange Banks and Non-Foreign Exchange Sharia Banks in 2014 to 2018, can be concluded that no bank predicting to experience financial distress. Average The Z-score value of the two groups of Islamic Commercial Banks is above the cut value off the risk of financial distress. The results of the comparison of financial distress risk between Sharia Foreign Exchange Banks and Non-Foreign Exchange Sharia Banks on the calculation of the Z-score and Test Mann-Whitney U test shows that there is no difference in the risk of financial distress between Sharia Foreign Exchange Banks and Non-Foreign Exchange Sharia Banks as evidenced by: The significance value is more significant than 0.025, which is 0.685.
Optimizing the Role of Mobile Android in Improving Service Quality at BPRS Suriyah Cilacap Nurul Fatmawati; Ma'ruf Hidayat
Wealth: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v1i2.7006

Abstract

The development of increasingly sophisticsted technology makes it easier for finalcial institutions to utilize this technology in product to development and service quality at banks. BPRS Suriyah Cilacap has many services to support service operations at the bank, one of which is the android mobile service which is widely used by customers because it makes it easier for users to carry out transaction activities at the bank. The type of research used is field research conducted with informants. This study uses a qualitative method using a descriptive approach. The data sources of this study come from primary data and secondary data obtained through observation, interviews, documentation, websites, journal literature and bppks in order to obtain information and evidence in the research process. The results of this study regarding the process of optimizing the role of mobile android in improving the quality of services that have been completely optimal although there are still obstacles in their use. The android mobile service process by entering the service system and entering the customer’s name and data then input the nominal amount to be deposited by the customer and wait for the receipt or note to finish printing. In addition, the obstacles and solutions in using android mobile services at Suriyah BPRS are the service system that often has errors and disturbances when uploading transaction deposits made per day and the absence of mobile banking services in supporting the diverse needs of customers, the solution is to report to the office IT to be assisted if there are still problems and by trying to implement mobile banking services to support customer needs and many banks have used it.
MSME Development Strategy Of Mendoan And Tempe Keripik ECO 21 Sawangan Puwokerto With SWOT Analysis Kholilur Rahman; Salmaa Aliifah Kultsum
Wealth: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v1i2.7015

Abstract

Micro, Small, and Medium Enterprises (MSMEs) must never be separated from the various problems that exist, both internal and external problems, as well as those experienced by the Mendoan and Tempe Keripik Industry ECO 21 Sawangan Purwokerto, starting from the internal problems that occurred within the company, namely the decline in sales of mendoan and tempe keripik which have an impact on annual income, and external problems, namely the lack of consumer buying interest in traditional foods. This study aims to formulate a strategy for developing micro, small and medium enterprises (MSMEs) for mendoan and tempe keripik ECO 21 Sawangan, Purwokerto, using SWOT analysis. This research uses a qualitative descriptive approach, collecting data through observation, interviews, and documentation. The SWOT analysis technique aims to identify various factors systematically and formulate a company's strategy. The results of this study indicate that the development strategy of the Mendoan and Tempe Keripik Industry ECO 21 Sawangan, Purwokerto that the company can use, namely, the SO ( strength-opportunity ) strategy whose purpose is to improve product quality, follow government counseling, and utilize internet technology such as social media. To increase profits. The WO ( weakness-opportunity ) strategy aims to initiate product innovation, promote and use the profits to buy modern production equipment; the ST strategy ( strength-threats ) aims to establish good relationships with consumers and maintain product quality in order to gain loyalty from consumers, while the WT ( weakness-threats ) strategy aims to innovate on existing products and use internet media to analyze the market.
Comparative Analysis of Implementation of Murabahah Bil Wakalah Contracts and Musyarakah Mutanaqisah Contracts for Sharia Financing Products Anggita Isty Intansari; Fatimah
Wealth: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v1i2.7070

Abstract

A home is a basic human need that plays an important role in the continuation of human life. The problem of housing and settlement has existed and will continue to exist in response to population growth, demographics and socio-economic needs. The high demand for housing and population growth provide opportunities for Islamic financial institutions to provide products that help people purchase housing. The purpose of this study is to determine the application of the Murabaha Contract and the Musharaka Mutanaqisah Contract and find a comparison of her two contracts in Islamic KPR funding. Knowing the mechanism and type of research represents field research. This research was conducted using qualitative methods with a descriptive approach. As a result of the research and analysis, it was found that the application of the Murabaha Bil Wakala Convention takes precedence over the Musharaka Mutanaqishah Convention. A comparison of the two loan agreements can then be viewed in terms of similarities and differences between the two agreements.
The Effectiveness Of Social Media Promotion Strategy As An Effort To Attract Customer (Nasabah) Interest Using The AISAS Model Approach (Case Study At Bprs Gunung Slamet Cilacap) Nuri Vina Mawadah; Dewi Laela Hilyatin
Wealth: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v1i2.7164

Abstract

BPRS Gunung Slamet Cilacap is one of the BPRS that implements a promotional mix strategy consisting of advertising, sales promotion, publicity and personal selling. However, since the Covid-19 Pandemic, this promotional strategy has not worked because of social distancing so that BPRS utilizes social media as a promotional medium in order to attract customers. The purpose of this study was to determine how effective the promotion using social media was carried out by BPRS. This research is a field research with a qualitative research type and uses a descriptive analysis approach. The data of this study were collected through observation, interviews, and documentation with marketing and customers of BPRS Gunung Slamet, while data analysis was carried out by data reduction, data presentation and drawing conclusions. The data validity technique uses triangulation. The results of this study indicate that the presence of Instagram and Whatsapp as promotional media for the products of the Gunung Slamet Cilacap BPRS can help in introducing Islamic bank products. The promotions that have been carried out have been effective, as can be seen from the increasing number of customers and effective communication between employees and customers as measured using the AISAS Model (Attention, Interest, Shearch, Action, Share). Based on interviews with marketing and customers of BPRS Gunung Slamet Cilacap, it can be concluded that promotions using social media have succeeded in attracting customers' interest. Customers often see BPRS promoting using social media and are interested, seek further information and then use the product until finally sharing their experiences as customers of BPRS Gunung Slamet. Apart from being a promotional media, social media is also used as a medium of communication between employees and active customers of BPRS Gunung Slamet

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