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INDONESIA
El Dinar
Published by Universitas Islam Negeri Maulana Malik Ibrahim Malang
ISSN : -     EISSN : 26220083     DOI : -
Core Subject : Education,
Other
Adalah jurnal berkala peer-reviewed yang diterbitkan biannually atau setahun dua kali oleh Jurusan Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang. EL DINAR merupakan sarana komunikasi yang diperuntukkan bagi para peneliti, akademisi, maupun praktisi dalam bidang keuangan dan perbankan syariah. Demi mewujudkan kontribusi bagi pengembangan ilmu keuangan dan perbankan syariah, dewan redaksi mengundang para pemerhati untuk dapat berpartisipasi dalam menyumbangkan karya ilmiah berupa jurnal-jurnal penelitian
Arjuna Subject : -
Articles 123 Documents
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MEASURING THE ROLE OF NON-PERFORMING FINANCING IN BOOSTING PROFITABILITY OF ISLAMIC COMMERCIAL BANKS Lusy Pujiyanty; Rosana Eri Puspita; Mochlasin Mochlasin
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 1 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i1.12955

Abstract

This study was conducted to analyze the effect of Murabahah financing, Capital Adequacy Ratio, and Financing to Deposit Ratio on Profitability with non-performing financing as moderating variables in Indonesian   Sharia Commercial Banks. This research was conducted to prove the influence of the dependent and independent variables. The research method used in this study is quantitative. Data analysis in this study is multiple linear regression analysis. This study uses annual secondary data from islamic commercial banks from 2015 to 2019. The data is using an Eviews9 application. The study results after the classical assumption test showed that the variables of Murabahah financing, CAR, FDR, and non-performing financing passed the test. The test results show that partially Murabahah, CAR, and FDR financing variables have a positive and significant effect on ROA. Non-performing financing can weaken the impact of Murabahah, CAR, and FDR financing on ROA. The implication of this research is the result of this study can be used as an effort to increase and further strengthen their performance to minimize the occurrence of non-performing financing, which affects the profitability of the   islamic commercial bank.
EFISIENSI PEMBIAYAAN AGRIBISNIS BANK SYARIAH DI INDONESIA PADA MASA PANDEMI COVID-19 Ika Nazilatur Rosida; Muhammad Yazid; Mustofa Mustofa
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 1 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i1.13303

Abstract

The agricultural capital is the main factor in the agribusiness problems.This research employed correlational and descriptive qualitative methods.This research aims to describe the efficiency of the sharia banks inagribusiness financing. Also, it gives the contribution of agribusiness insupporting the economy in Indonesia during covid-19 pandemic. Theresults show that Sharia Bank financing experienced a remarkableincrease during the covid-19 pandemic. Sharia bank financing isconsidered the best choice to deal with fluctuations in the harvest priceand speculation of harvest. The agricultural sector's contribution to theeconomy has always increased during the covid-19 pandemic. 
PEMANFAATAN IMBAL HASIL CASH WAQF LINKED SUKUK Erlita Nurma Wati; Moh Badrus Sholeh; Muhammad Heru Akhmadi
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 1 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i1.13380

Abstract

Cash Waqf Linked Sukuk (CWLS) is a new breakthrough in government financing based on social investment. The presence of CWLS can develop waqf instruments by integrating three main sectors at once, namely the commercial, fiscal, and Islamic social finance sectors. This study aims to discuss the SW001 series CWLS scheme and determine the relationship between the authorities that play a role in the utilization of cash waqf investment returns invested through State Sukuk by the Indonesian Waqf Board (BWI). BWI consists of the use of returns when making investments for the first time and the utilization and optimization of the CWLS imbalance. The research uses a qualitative method with a case study technique using ATLAS.ti software to assist the coding and data analysis process. The results of this study indicate that there is a close relationship between the authorities who play a role in CWLS. Furthermore, the use of discounts and coupons managed by the Achmad Wardi Eye Hospital was realized in the form of waqf assets in the form of retinas, glaucoma centers and the provision of various free eye surgeries for the poor
HOW THE COVID-19 OUTBREAK AFFECT THE EFFICIENCY OF ISLAMIC RURAL BANKS? Titis Miranti; Nur Avni Aulia; Laila Masruro Pimada
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 1 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i1.15577

Abstract

Islamic Rural Banks (BPRS) have an essential function for developing the Micro, Small, and Medium Enterprises (MSME) sector. For the BPRS to exist and not be liquidated, the BPRS needs to maintain its financial efficiency. This study aims to determine the efficiency of a BPRS in East Java. Then, this is to find out what affects the efficiency. Two Stages-Data Envelopment Analysis (DEA) calculate the efficiency. The first stage of data analysis is carried out by assessing the efficiency of the BPRS. The second stage is the analysis of variables that affect efficiency using logistic regression. This analysis also uses the description of the year of the Covid pandemic as a predictor variable. The results of this study found that the BPRS in East Java was categorized as inefficient (inefficiency). However, from the 20 samples used, there are three efficient BPRS based on the average individual BPRS during the 2012-2020 period. Based on logistic regression analysis, it is known that the factors that affect the efficiency of BPRs include Operational Costs and Operating Income, Earning Assets, and the pandemic era.
ISLAMIC COMMERCIAL BANKS: AN ANALYSIS THE DETERMINANTS OF PROFIT DISTRIBUTION MANAGEMENT Aprih Santoso; Joko Samboro
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 1 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i1.13495

Abstract

The study examines the effect of Capital Adequacy Ratio (CAR) on Profit Distribution Management (PDM) with Return on Assets (ROA) as a mediating variable in Islamic Commercial Banks (BUS) for the 2010-2020 period. The population includes all BUS in Indonesia registered with the Financial Services Authority (OJK), which successively reports 9 BUS financial statements. The sampling technique used is purposive sampling. The analysis technique used is path analysis. The results showed that CAR had a positive and significant effect on ROA.On the other hand, CAR and ROA positively and significantly impact PDM. Else, ROA can mediate the effect of CAR on PDM. Information and evaluation of the company's financial performance minimize error decisions.
SOSIO-EKONOMI SEBAGAI FAKTOR NON-PERFORMING FINANCING PADA LEMBAGA KEUANGAN MIKRO SYARIAH Barianto Nurasri Sudarmawan
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 1 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i1.14197

Abstract

The study analyzes the factors that affect Non-Performing Financing (NPF) using the customer's socio-economic indicators (age, gender, education level, county). The research chose Indonesia as the object of research, because it has the largest Muslim population in the world and the development of Sharia Microfinance Institutions (MFIs) in this country is quite promising. To identify the factors that influence non-performing financing in Islamic MFIs, we use the logit model to estimate the probability of factors affecting NPF. The results of this study indicate that the socio-economic factors of the customer, namely age, gender, education level, influence problematic financing. The results of this study give a framework for making strategic policy to maintain Sharia MFIs stability based on the dimensions of age, gender, level and education.  
HAJJ FUND INVESTMENT DEVELOPMENT STRATEGY SHARIA INVESTMENT MANAGEMENT PERSPECTIVE Sulistyowati Sulistyowati
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.16318

Abstract

The management of hajj funds in Indonesia has grown rapidly through various strategies. This study will discuss the implementation of Hajj fund investment based on a review of sharia investment management. 65% of the total funds have been invested in the Islamic banking sector, and the remaining 35% is for the Indonesian Hajj fund Sukuk. In addition to these two sectors, BPKH is also increasing Investment in other instruments such as gold Investment, direct Investment, corporate Sukuk, and different types of Investment. This type of research is qualitative with a field approach (field research). The data sources of this study were obtained from primary and secondary data with data collection techniques through participatory observation, interviews, and documentation. This research's analytical method is descriptive analysis from the perspective of Islamic investment management. The results showed that the Investment of Hajj funds did not conflict with the religion of Islam. It must be free from GHARIM, namely gharar, usury, maysir, and other prohibitions on Islamic economic transactions. In addition, it can provide benefits in the form of returns that can increase the people's use, especially the improvement of facilities and infrastructure services for prospective Indonesian pilgrims.
CUSTOMER SATISFACTION AND FINANCIAL PERFORMANCE: DOES IT MEDIATE CUSTOMER-CENTRIC ON ISLAMIC BANK VALUES? Ulfi Kartika Oktaviana; Ahmad Tibrizi Soni Wicaksono
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.16225

Abstract

This study aims to determine the influence of Customer-centric Corporate Social Responsibility (CSR) within the scope of Islamic Ethics on Company Values. In addition, this study also examines the role of customer satisfaction mediation and financial performance towards Customer-centric CSR with company values and tests the role of customer satisfaction mediation for Customer-centric CSR with financial performance. The sample used is Islamic Commercial Banks registered with BI with specified sample criteria. The data was processed using smartPLS, where the direct influence of Centric Customers in Islamic Ethics (CSR) on company values was significant. The Centric Customer variables in Islamic Ethics (CSR) influence financial performance. The other four hypotheses showed insignificant results. The results of the indirect influence test show that the variables of customer satisfaction and financial performance have not been able to mediate the relationship between Customer-centric in Islamic ethics and Company Values.
APPLICATION OF BLOCKCHAIN AND SMART-CONTRACT ON WAQF ASSET MANAGEMENT: IS IT NECESSARY? Agus Setiawan; Mohamad Soleh Nurzaman
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.15529

Abstract

Waqf assets are assets that can be utilized for the benefit of the people. Currently, there are many waqf asset management using internet-based Waqf Information Systems. However, the database used by the system is generally centralized, so it is prone to data manipulation. Each waqf entity has its data, causing data differences between waqf entities. This study aims to provide the concept of waqf asset management using Blockchain technology and Smart Contracts. The method is a qualitative analysis method with secondary data from various kinds of literature, study journals, and reports published by the government and related agencies. This study concludes that the concept of waqf asset management based on Blockchain technology and Smart contracts can facilitate the management of waqf assets, both movable and immovable assets. In addition, it can increase data transparency between nadzhir, wakif, and waqf regulators and minimize data manipulation. The role of regulators such as the Ministry of Religion, BWI, and BI is needed to create regulations that support the implementation of waqf management based on Blockchain technology and Smart Contract.
THE EFFECT OF CORPORATE GOVERNANCE ON FINANCIAL PERFORMANCE: CORPORATE SOCIAL RESPONSIBILITY AS A BUFFER Musdalifa Musdalifa; Mukhzarudfa Mukhzarudfa; Ratih Kusumastuti
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.17254

Abstract

This study aims to demonstrate the role of CSR in moderating the influence of corporate governance on financial performance. Furthermore, the researchers compared the corporate governance of Islamic banks in Indonesia and Malaysia. Data analysis used Moderate Regression Analysis and independent t-test analysis. The research data is the financial statements of each Islamic bank in Indonesia and Malaysia from 201 to 2020. This study shows that CSR cannot moderate the financial performance of Indonesian and Malaysian Islamic companies. Another result states that there is no difference in the implementation of corporate governance in Indonesian and Malaysian Islamic banks. CSR is becoming an important aspect of the business community. But does not support the company's financial performance. Nevertheless, this remains a common concern because of the importance of natural sustainability and a balanced economy.

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