Perisai : Islamic Banking and Finance Journal
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Pengaruh Capital Adequacy Ratio (CAR), Return On Assets (ROA) dan Non Performing Financing (NPF) Terhadap Pembiayaan Murabahah BNI Syariah
Full text linkThere are hundreds of Islamic banks registered in Indonesia, which means Islamic banks have a huge contribution in the economic performance of the country. According to Islamic bank statistic's data, the most prefered transaction is murabahah financing, which reached 57,76 %. To understand this trend, one should first relate to the affecting factors, such as Capital Adequacy Ratio (CAR), Return on Asset (ROA) and Non Performing Financing (NPF). Therefore this research aims to find out the influence (Partial & simultant) of the factors mentioned above on the Murabahah financing in BNI Syariah for the period of 2011 - 2015.Using quantitative and descriptive approach, this research present and analyise published data obtained from BNI's financial report 2011 to 2015 as sample, and other references as based theory. All data analysed using Statistical Program for Social Science (SPSS). While for assuring data accuracy, normality test, autocorelation and heterostatistics tests have been made. The relation and the influence between dependent and independent variables, figured by double regression analysis. Based on the partial analysis each variables showed have positive and significant effect on murabahah financing. Through the Double Reggression conducted, it found that the variables CAR, ROA and NPF together have positive and significant effect on murabahah financing.In conclusion, to maintain the murabahah financing level, the bank should maintain and improve CAR, ROA, and NPF
Identifikasi Pembayaran Bergerak (Mobile Payment) yang Mengganggu (Disruptive) di Indonesia
Full text linkThis research aims to identify disruptive mobile payment in Indonesia. Mobile payment as a sector of financial technology is enabling the lifestyle transformation of electronic banking. The future of retail banking is a smartphone experience that gladden and customers also aspire for a “bank in my pocket”. Mobile payment as the second sector most likely to be disrupted in the intersection of finance and technology industry. The promising approach of disruptive innovations is proposed by Professor Christensen from Harvard Bussiness School. They suggest that two strategies for identifying the new disruptive growth of business, as following: “creating a new market as a base of disruption” and “disrupting the business model from the low end”. Our research findings that mobile payment tends to replicate bank’s business model, its business model only espouse financial institution. Customers also desire their mobile payment have to the following three priorities: anytime and anywhere, fully digital (convenience), fast and accurate. When epicenter of disruption of mobile payment have been widely misunderstood and its basic principle frequently misapplied. Islamic mobile payment should be immediately developed in order to expand the coverage of Islamic financial service
PENGARUH KUALITAS PELAYANAN(SERVICE QUALITY) TERHADAP KEPUASAN NASABAH (CUSTOMER SATISFACTION) DI PT. BPRS MITRA MANDIRI SUKSES DI GRESIK
Full text linkObjectives of this research are: (1) to determine the variables of service quality (tangible, reliability, responsibility, assurance, and empathy) significantly simultaneously (together) on customer satisfaction at PT. BPRS Mitra Mandiri Success in Gresik; (2) determine the variables of service quality (tangible, reliability, responsibility, assurance, and empathy) significantly partially (in part) on customer satisfaction at PT. BPRS Mitra Mandiri Success in Gresik and (3) determine the variables of service quality (tangible, reliability, responsibility, assurance, and empathy) are the dominant influence on customer satisfaction at PT. BPRS Mitra Mandiri Success in Gresik
Ekonomi Islam dan Peradaban: Analisis Mudharabah Sebagai Elemen Ekonomi Tolok Ukur Peradaban
Full text linkOne of the main factors making up the basis of civilization or Madani society or civil society, which is also part of the social capital, is the confidence (trust) both horizontally and verticallyamong individuals between individuals and institutions so as to create an effective partnership. Islamic Economics is an economic system based on Islamic principles. Inside there is a contract ofMudharabah contract based on the belief that investors give full trust to capital manager with the agreement of the losses in the initial contract. In this study concluded that the higher the level of consumption in society Mudharabah contract is higher level then the level of civilization of society. This is because Mudharabah is directly proportional to the level of public confidence. This study uses library research both from the perspective of historical and economic, using critical-descriptive
INOVASI MODEL BISNIS BANK MUAMALAT INDONESIA
Full text linkBusiness model innovators (BMI) earned an average premium that was more than four times greater than that enjoyed by product or process innovators. Furthermore, BMI delivered returns that were more sustainable; even after ten years, business model innovators continued to outperform competitors and product and process innovators (BCG, 2009). Innovation is done using a device management such as: Business Model Canvas (BMC) and the design thinking approach (DTA). BMC used to mapping the Bank Muamalat through the 9 building blocks for later in-design a new business model to conduct the interview process to collect ideas and find an innovative solution
ANALISIS POLA PEMBERDAYAAN PETERNAK MISKIN DI KAMPOENG TERNAK NUSANTARA DOMPET DHUAFA
Full text linkThe activity of livestock village Nusantara “Kampung Ternak Nusantara” is focused on the empowerment to the poor cattleman by utilizing zakat funds. This research is aimed to determine the empowerment pattern of the poor cattlemanas well as the supporting and obstacle factors. It is a descriptive qualitative research. The data are collected by doing interviews, observations and documentations. The results show that the pattern empowerment to the poor cattleman, are dividedinto 3 stages. They are 1) the empoweringgoal setting,2) the process implementation of the empowerment 3) the resultsimplementation of empowerment. The empowerment supporting factors include; society environment, hard work and the cattleman effort. While, the obstacle factors include: the difficultyfeedingto the livestock whenthe dry season, knowledge and the skill of the cattleman who have not been optimized ye
PENGARUH FAKTORMARKETING MIX DAN FAKTOR SYARIAH TERHADAP KEPUTUSAN MENJADI NASABAH LEMBAGA KEUANGAN MIKRO SYARIAH
Full text linkThis study aims to determine the effect of variable marketing mix consisting of product (X1), price (X2), location (X3), and promotion (X4) and the variable sharia (X5) against the decision to become customers of BMT Sahara Tulungagung. The sample in this study was 100 respondents customers financing . Data processing techniques of customer savings and customer data analysis using multiple linear regression with F test and t test. As for testing the instrument using validity, reliability test and classical assumption. The results showed that simultaneous product variable (X1), price (X2), location (X3), promotion (X4) and variable sharia (X5) significantly influence the decision to become customers of BMT Sahara Tulungagung (Y). While based on the t test calculation only partially known that the price variable (X2) and promotion (X4) which have a significant effect on the dependent variable
PERAN WAKAF DALAM PEREKONOMIAN (STUDI WAKAF TUNAI TERHADAP PEMBANGUNAN EKONOMI)
Full text linkWaqf is an instrument for the welfare of the people who first performed by Umar ibn Al Khatthab permission of the Prophet. At that time, Umar had a garden plot of fertile and productive in Khaibar dei to there is a passion for helping others and for the welfare of the people, then Umar bin al Khatthab consult to the Prophet. How you can donate the garden ?. The Prophet suggested that the estate remains substantially and well run and the results are donated to the community. That is, just to be maintained and managed, while the results are donated for the benefit of the people. Similarly, when the bi Ali Abi Talib and Uthman bin Affan donated part of his fortune to be managed and the results are donated for the benefit of society