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Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan
ISSN : -     EISSN : -     DOI : -
Core Subject : Economy, Science,
The journal is published twice a year in June and December. Contains scientific articles in the form of research, analysis study, theoretical study and review of studies in the field of banks and financial institutions. Publishing this journal aims to increase the quantity and quality to spread knowledge and also as a means of communication between scientists, practitioners, students and observers of the banks and financial institutions.
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Articles 65 Documents
FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBERIAN KOMPENSASI PADA KARYAWAN BANK MANIK, SUDARMIN
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 2 (2016): Juli - Desember 2016
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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Abstract

Research themes are banks and financial institutions. The purpose of this study was to determine the factors that affect compensation in Bank Danamon Simpan Pinjam Unit Ps. Kota Duri. The populations in this study are employees of Bank Danamon Simpan Pinjam Unit Ps. Kota Duri which amounted to 32 people. Sampling was conducted using random sampling. The data analysis is done by using a reliability test, normality, F test, multiple linear regression R2 test and t test. The results showed that the independent variables affect compensation, with a value of correlation R = 0.999, which indicates a very strong relationship between productivity, ability to pay, willingness to pay, employee organizations and regulatory legislation with compensation. While the adjusted R-square in the can 0.997, which means productivity, ability to pay, willingness to pay, employee organizations and regulatory laws have contributed a contribution of 99.7% of the compensation.
KEMANFAATAN DANA ZAKAT BAGI MUSTAHIK SAROWATI ZIKRI, SRI NIRWANA; YASIN, MU’ADY; CHAIDIR, TAUFIK
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 2 (2017): Juli - Desember 2017
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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The theme of the article is "economy based on the principles of Islam". This research aims to determine how the use of funds Zakat in the BAZNAS of east Lombok Timur. The method used is descriptive qualitative research with field research type. Zakat is a financial obligation which is taken from the rich who have become obligatory zakat to be submitted to the people that the criteria have been specified in the law. Zakat basically has great potential to become financial solution, with the nature of zakat that never exhausted or even stop. Because zakat as the religious obligation taht must be fulfilled by a Muslim every year or in the others predetermined time. Badan Amil Zakat Nasional (BAZNAS) as the formal management zakat institutions in Indonesia, distribute zakat fund to the zakat recipient (mustahik), especially for the indigent and poor people through consumptive zakat to but their daily basic needs, and also can be a productively zakat to gain their business assets. Just as the mustahik utilize the zakat funds for their efforts as a household can produce an economy that can meet the needs of his life. In addition, some are using the funds that have been received zakat to raise cattle and goats. Not apart from the purpose of zakat itself which one of them is to alleviate the mustahiq of poverty, Because zakat funds are not used consumptively, but productively managed and maximized in order to prosper the community. But it is different with the mustahik in BAZNAS; they utilize zakat funds not in accordance with the designation. This is due to the lack of monitoring from BAZNAS staff.
KONSUMSI MENURUT EKONOMI ISLAM DAN KAPITALIS ALMIZAN, ALMIZAN
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 1 (2016): Januari - Juni 2016
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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Abstract

Historically the economy of early Islam is far more developed than conven­tional economics. One of the important theory of Islamic and capitalism eco­nomics is related to consumption. In Islamic economics should consumed in order to find Ridha Allah SWT. A conviction and systems that can save the world from the greed of man as homo economicus. However, the rapid eco­nomic progress and the widespread network of conventional capitalism, con­sumption theory of Islam into the unknown in the academic world, especially in everyday life. However, the same progressiveness could bring the world in the unrecoverable and uncontrollable progressiveness. Progressive-power that inherent in the global capitalism has the tendency to lead the world into undetermined, injustice and hegemonic situation. This paper would discover this human’s live.
IMPLEMENTASI KAIDAH-KAIDAH ISLAM DALAM PENGELOLAAN ZAKAT PROFESI SUTARDI, SUTARDI; IRWAN, MUHAMMAD; RO’IS, IHSAN
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 1 (2017): Januari - Juni 2017
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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Abstract

The theme of the article is the banks and financial institutions. This study aims to determine the implementation of Islamic rules in the management of "zakat profesi". Management views of managers understanding of the principles of Islam. The research is qualitative descriptive. Data collection using interviews, observation, and documentation. Resource is the management and participants "Program Peduli Dhuafa". The results showed the “zakat profesi” management has implemented the rules of Islam. In executing the management has implemented four properties ie Muhammad SAW: siddiq, amanah, tabligh and fathonah.
STRATEGI PELAYANAN BANK KONVENSIONAL DAN SYARIAH: PRIORITAS PELAYANAN FISIK DAN EMPATI ANDESPA, RONI
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 2 (2016): Juli - Desember 2016
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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Abstract

The research theme is the financial and banking institutions.  The study was conducted in West Sumatra. The object of the research is 250 sharia banks and 250 conventional banks research objectives are: (1) To see if there is a difference in perception based on the background of customers on variable tangible and empathy, (2) To see the relationship between the characteristics of the customer with variable tangible and empathy. The va­riables studied were: (1) Tangible, (2) Empathy, (3) Characteristics of respondents. The study is quantitative. Analysis of the data using (1) Cross Tabulation, (2) Pearson Chi-Square Test. Results of the study are: In the conventional banks (1) Between the tangible variables with the characteristics of customers no significant relationship. (2) There is a significant relationship between the variables of empathy with the educational of custom­ers. Sharia bank (1) The existence of a significant relationship between the variables tangible with the age of the customer. (2) There is a significant relationship between the variables of empathy with the gender of customer.
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH PEGADAIAN SYARIAH DI KOTA PEKANBARU WAHAB, WIRDAYANI
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 1 (2017): Januari - Juni 2017
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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The theme of the article is the banks and financial institutions. The study aims to determine the effect of service quality on customer satisfaction, and to know the difference. The study was conducted in the city of Pekanbaru. The sample was 100 respondents. The analytical method used is multiple linear regression analysis. The results showed: The quality of service has a positive effect on customer satisfaction.
KONSEP MANAJEMEN SUMBER DAYA MANUSIA : IMPLEMENTASI PADA INDUSTRI PERBANKAN SYARIAH ROZALINDA, ROZALINDA
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 1 (2016): Januari - Juni 2016
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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Abstract

The banking sector has a strategic role to support national development that lead to an increase in the distribution of development and its results. Various problems still constrain the development of Islamic financial institutions in Indonesia, including regulatory issues, management, and SDI. Of the overall Islamic banking existing SDI, SDI 90% of its currently do not have the educational background of sharia economy. Educational background sharia only 10% SDI islamic background. The purpose of this study was conducted to elucidate the pattern of recruitment of employees in Islamic banks. Then, uncovering the factors that causes a lack of SDI berlatang behind sharia recruited into a sharia bank employees. Then, formulate strategic steps College of Islamic Religion to improve the competence of its graduates to be ready to compete in the world of work. Employee recruitment process in Islamic banks through several stages namely, administrative Selection, Test first round of interviews, a written test, Physicotest, the second stage interview, Test health.
STRUKTUR KEPEMILIKAN, UKURAN PERUSAHAAN DAN LEVERAGE MUKLIS, FAIZA
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 2 (2016): Juli - Desember 2016
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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Abstract

The research theme is the financial and banking institutions. The purpose of this study is to empirically tests the association between ownership structure, firm size and leverage on earnings management in Indonesian listed company. Using a correlation method with observation from 2012 to 2013 foods and beverages firms we try to model the relationship between earnings management and these variables. Ownership concentration was used as proxy for ownership structure, total assets as a measure firm size, and discretionary accruals for earnings management. Modified Jones Model was used for calculation of discretionary accruals. The results indicate a significant negative relation between leverage and earning management. Hovever, ownership concentration and firm size were not significant. This findings suggest that there is a beneficial consequence of debt because the increased debt might reduce manager’s discretionary spending, and in turn, reduces accrual earnings management.
PENERAPAN TEKNOLOGI DAN PENGARUHNYA TERHADAP REKRUTMEN PADA LEMBAGA PERBANKAN ISLAM MARDIAH, NILA
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 2 (2017): Juli - Desember 2017
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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The theme of the article is the banks and financial institutions. A technological development affects all aspect human life. This also happens in the banking world. Technology provides many benefits for banking, but on the other hand the development technology causes work lost in certain positions that affect the recruitment of human resources. This paper describes how banks apply technology in the era digitizing and how it effect the recruitment of human resources.
ANALISIS STRATEGI PT. BURSA EFEK INDONESIA JUSTA, ABRIZEN
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 1 (2016): Januari - Juni 2016
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam ? UIN Imam Bonjol Padang

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Abstract

The object of research is PT. Indonesia Stock Exchange Representative Office Padang. The data collection technique using semi structured interviews and analysis of document and material as well as questionnaires given to three employees of the Head Office, Staff Trainer and Administrative Staff. The object of research is PT. Indonesia Stock Exchange Representative Office Padang. Strategy formulation using matrix EFE, IFE, SWOT, IE, and QSPM. Acquisition of strategic alternatives is obtained from the SWOT matrix and Matrix IE, to choose the best strategy with Quantitative Strategic Planning Matrix. Based on the analysis IFE and EFE matrix, it is known that the main strength of PT. Indonesia Stock Exchange Representative Office of Padang is the number of educational programs have to offer while its main drawback is the lack of promotional activity for advertising in print or digital. The main opportunities for PT. Indonesia Stock Exchange Representative Office of Padang is the huge barriers to entry of new entrants, while the major threats facing is the lack of human resources in the area, the majority of the best people prefer to wander. IE matrix shows that PT. Indonesia Stock Exchange Representative Office of Padang is in quadrant 1 (one) which is to be on growing conditions and build. Based on the obtained QSPM alternative appropriate marketing strategies in this study is the product development strategy.