Perisai : Islamic Banking and Finance Journal https://perisai.umsida.ac.id/index.php/perisai <p><strong>If you have trouble submitting the manuscripts. Feel free to contact perisai@umsida.ac.id</strong></p> <table class="data" style="height: 304px;" width="1057" bgcolor="#ced6e0"> <tbody> <tr valign="top"> <td width="20%"><strong>Accredited</strong></td> <td width="80%"><strong><a title="accreditation certificate" href="http://sinta2.ristekdikti.go.id/journals/detail?id=2627" target="_blank" rel="noopener">"S3" by the Ministry of Research-Technology and Higher Education Republic of Indonesia</a></strong></td> </tr> <tr valign="top"> <td width="20%"><strong>Abbreviation</strong></td> <td width="80%"><strong>Perisai : Islamic Banking and Finance Journal</strong></td> </tr> <tr valign="top"> <td width="20%"><strong>DOI</strong></td> <td width="80%"><strong><a href="https://search.crossref.org/?q=2503-3077" target="_blank" rel="noopener">prefix 10.21070&nbsp;</a><a href="https://search.crossref.org/?q=2503-3077" target="_blank" rel="noopener">by&nbsp;</a><a href="https://search.crossref.org/?q=2503-3077" target="_blank" rel="noopener"><img src="https://assets.crossref.org/logo/crossref-logo-landscape-200.svg" alt="Crossref logo" width="75" height="18"></a></strong></td> </tr> <tr valign="top"> <td width="20%"><strong>Citation Analysis</strong></td> <td width="80%"><strong><a title="Scopus" href="http://ojs.umsida.ac.id/index.php/perisai#" target="_blank" rel="noopener">SCOPUS</a>&nbsp;| Web of Science |<a title="Google Scholar" href="https://scholar.google.co.id/citations?hl=id&amp;user=XWJzjpkAAAAJ&amp;view_op=list_works&amp;gmla=AJsN-F5bYW3IUo-6cAApuR_H6mX7gImmst84ENE48MGlw8r3Of9wIk3yxhfempLzrd1-BR_XHuNA_mDRoNpEfwJPqzpuMa_-Sg" target="_blank" rel="noopener">Google Scholar</a></strong></td> </tr> <tr valign="top"> <td width="20%"><strong>Index Services</strong></td> <td width="80%"><strong><a title="DOAJ" href="http://ojs.umsida.ac.id/index.php/perisai#" target="_blank" rel="noopener">DOAJ</a>&nbsp;|&nbsp;<a title="Google Scholar" href="https://scholar.google.co.id/citations?hl=id&amp;user=XWJzjpkAAAAJ&amp;view_op=list_works&amp;gmla=AJsN-F5bYW3IUo-6cAApuR_H6mX7gImmst84ENE48MGlw8r3Of9wIk3yxhfempLzrd1-BR_XHuNA_mDRoNpEfwJPqzpuMa_-Sg" target="_blank" rel="noopener">Google Scholar</a>&nbsp;|&nbsp;<a title="Microsoft Academic Search" href="http://ojs.umsida.ac.id/index.php/perisai#" target="_blank" rel="noopener">Microsoft Academic Search</a>&nbsp;|&nbsp;<a title="Complete List" href="http://ojs.umsida.ac.id/index.php/perisai/about/editorialPolicies#custom-3" target="_blank" rel="noopener">Complete List</a></strong></td> </tr> <tr valign="top"> <td width="20%"><strong>ISSN (online)</strong></td> <td width="80%"><strong><a title="ISSN (online)" href="http://u.lipi.go.id/1454982300" target="_blank" rel="noopener">2503-3077</a></strong></td> </tr> <tr valign="top"> <td width="20%"><strong>Publisher</strong></td> <td width="80%"><strong><a title="Publisher" href="https://umsida.ac.id/" target="_blank" rel="noopener">Universitas Muhammadiyah Sidoarjo</a></strong></td> </tr> <tr valign="top"> <td width="20%"><strong>Editor in Chief</strong></td> <td width="80%"><strong><a title="Editor in Chief" href="http://sinta2.ristekdikti.go.id/authors/detail?id=6010834&amp;view=overview" target="_blank" rel="noopener">Fitri Nur Latifah</a></strong></td> </tr> <tr valign="top"> <td width="20%"><strong>Managing Editor</strong></td> <td width="80%"><strong><a title="Managing Editor" href="http://sinta2.ristekdikti.go.id/authors/detail?id=5974680&amp;view=overview" target="_blank" rel="noopener">M. Ruslianor Maika</a></strong></td> </tr> <tr valign="top"> <td width="20%"><strong>Frequency</strong></td> <td width="80%"><strong>2 (two) issues per year (April and Oktober)</strong></td> </tr> </tbody> </table> en-US jurnal.perisai@umsida.ac.id (Fitri Nur Latifah) muhammadamirulmukminin008@umsida.ac.id (Muhammad Amirul Mukninin) Sun, 09 Oct 2022 00:00:00 +0000 OJS 3.1.2.0 http://blogs.law.harvard.edu/tech/rss 60 Compiling a Sharia Indicators of Wedding Organiser https://perisai.umsida.ac.id/index.php/perisai/article/view/1595 <p><em>The sharia wedding organizer industry is starting to provide an alternative sharia version. However, no specific index can be used as a standard for sharia compliance of a wedding organizer. This study aims to compile a sharia wedding organizing index from the perspective of Maqashid Sharia. The sharia wedding organizer index can then be used as an indicator in viewing the sharia wedding organizer. By using a literature review method, this study will collect literature in the form of postulate and previous studies as a basis for compiling an index. In calculating the weights, this study uses the Simple Additive Weighting approach. The primary basis for compiling the index is the Maqashid Sharia index theory by Al-Ghazali. The findings show that 13 indicators are used as indexes that measure the sharia of the wedding organizer. The indicators are seclusion, tradition, pre-wedding, make-up artist, prayer time, eating etiquette, food, fashion style, contract form, package options, transaction medium, music, and marriage motivations. This study is the first to compile a list of sharia requirements and rules that sharia wedding organizers must meet.&nbsp;&nbsp; </em></p> Arip Rahman, Muhammad Yusuf Ibrahim, Aisyah As-Salafiyah, Rusdi Hamka Lubis, Andi Iswandi Copyright (c) 2022 Arip Rahman, M Yusuf Ibrahim, Aisyah As-Salafiyah, Rusdi Hamka Lubis https://creativecommons.org/licenses/by/4.0 https://perisai.umsida.ac.id/index.php/perisai/article/view/1595 Tue, 04 Oct 2022 00:00:00 +0000 The Influence of Islamic Marketing Ethics on Customer Interest in Using Mudharabah Savings Products at BMT Ar-Rahmah Arta Syariah Mojokerto https://perisai.umsida.ac.id/index.php/perisai/article/view/1599 <p><em>It intends to examine the effect of shiddiq, al-adl, al-Amanah, service, and piety on consumer interest in utilizing mudharabah savings products both partially and concurrently in scientific writing. BMT Ar-Rahmah Arta Syariah Mojokerto is the subject of this study, which will take place between 2021 and 2022. The method employed is multiple linear regression analysis, and the type of research used is a quantitative research using more than one variable. Classic assumption tests, multiple linear regression equation tests, and hypothesis testing are examples of multiple linear regression analysis methods. Siddiq (X1), Al-Adl (X2), Al-Amanah (X3), Service (X4), and Takwa (X5) were the five independent variables in this study (X5). The interest of customers in adopting the mudharabah deposit product is the dependent variable (Y). Siddiq, al-adl, al-Amanah, service, and take all had partial and simultaneous effects on customer interest in adopting mudharabah savings products, according to the findings</em></p> Novarina Amalia Anggraini, Yayuk Sri Rahayu Copyright (c) 2022 Novarina Amalia Anggraini, Yayuk Sri Rahayu https://creativecommons.org/licenses/by/4.0 https://perisai.umsida.ac.id/index.php/perisai/article/view/1599 Tue, 04 Oct 2022 00:00:00 +0000 Preparing Future’s Community Empowerment: A Quantitative Study of The Correlation Between Empowerment And Human Resources In Ranu Pani And Sanan Tourism Village https://perisai.umsida.ac.id/index.php/perisai/article/view/1610 <p><em>Human resources are the main support system for managing tourist villages. The main support system should be managed well. Managing human resources can reflected by empowering them to develop new skills based on their need to elaborate on the region’s potency. The region potency consists of culture, tourism place, and heritage. The aim of the research is to know about the correlation between empowerment and human resources in Ranu Pani Tourist Village and Sanan Tourist Village. This study used quantitative research. The data was collected using questionnaire. Data analysis was performed using descriptive, quantitative data. The result of this research is that the test distribution is normal by 0.871. The data were normal with a significance level of 0.55. The distribution number was greater than or greater than the&nbsp; significance number. The second was about ANOVA test.&nbsp; Based on ANOVA, the result was F= 56.245. This mean that there was a significant correlation between empowerment and human resources. Empowerment does influence human resources and human resources may influence empowerment. Even though there is significant correlation between empowerment and human resources, empowerment is still important for people particularly around village tourists. Society will be change quickly, and they need readiness to face the fast changing. Fast changing and society reflecting where does they live. Empowerment includes&nbsp; developing skills, abilities, knowledge and competency that need to be advanced around tourist villages. Human resources are the success or failure of tourist. </em></p> Menur Kusumaningtyas, Irham Zaki, Sri Herianingrum, Muhammad Nafik Hadi Ryandono Copyright (c) 2022 Menur Kusumaningtyas, Irham Zaki, Sri Herianingrum, Muhammad Nafik Hadi Ryandono https://creativecommons.org/licenses/by/4.0 https://perisai.umsida.ac.id/index.php/perisai/article/view/1610 Tue, 04 Oct 2022 00:00:00 +0000 The Role of Islamic Microfinance Institutions in Poverty Reduction: A Study of Scopus Indexed Journal Literature https://perisai.umsida.ac.id/index.php/perisai/article/view/1581 <p><em>This study aims to reveal the development of research on the theme of Islamic microfinance institutions from reputable international journals. This study uses a qualitative approach, namely literature review. The literature search went through a series of stages to ensure that only papers sourced from reputable journals were featured in this study. The results of the study found that there were 181 papers with the theme of Islamic microfinance institutions from international journals indexed by Scopus. The development of research related to Islamic microfinance has increased, especially in the last three years (2019, 2020, 2021). The implication of this research is that this study proves in the literature the important role of Islamic microfinance institutions in alleviating poverty. This is a valuable input for related parties, especially the government, to pay more attention to the infrastructure required by Islamic microfinance institutions. </em></p> Pupun Saepul Rohman, Nisful Laila, Atina Shofawati Copyright (c) 2022 Pupun Saepul Rohman, Nisful Laila, Atina Shofawati https://creativecommons.org/licenses/by/4.0 https://perisai.umsida.ac.id/index.php/perisai/article/view/1581 Tue, 04 Oct 2022 00:00:00 +0000 Sharia Compliance Contracts Of Muamalat Bank Fund Distribution Products https://perisai.umsida.ac.id/index.php/perisai/article/view/1613 <p><em>This study is intended to determine the Aqad Sharia Compilance product distribution of Islamic bank funds. This level will show how Islamic banks carry out the tijarah function and the tabarru function together to create the value of the existence of falah or welfare. Approach The research uses a case study approach. The results showed that Bank Muamalat Mas Mansyur Surabaya branch office had level one Sharia Aqad Compliance on fund distribution products with the dominance of murbahah contracts. However, bank Muamalat is in an effort to reach the 4th level of Aqad Syariah Compliance to maximize the distribution of Musyarkah financing in the spiritual market. Unfavorable economic conditions as well as for mitigating risks that may arise have made the Sharia Aqad Compliance Level for distribution products at level one. This shows that Muamalat bank has not been optimal in carrying out the tabbaru function properly. However, Bank Muamalat has a positive value from their market share priority which is targeting the spiritual market. Giving priority to the spiritual market indicates that Bank Muamalat is not only looking for profit but is trying to balance the value of their kaffah.</em></p> Ninda Ardiani, Meri Yuliani, Masruchin Copyright (c) 2022 Ninda Ardiani, Masruchin https://creativecommons.org/licenses/by/4.0 https://perisai.umsida.ac.id/index.php/perisai/article/view/1613 Tue, 04 Oct 2022 00:00:00 +0000 Management And Strategy In Waqf Institution: A Systematic Literature Review https://perisai.umsida.ac.id/index.php/perisai/article/view/1614 <p><em>Waqf management has not been carried out optimally, waqf has not been able to play a prominent role in people's social life. Reflecting on the heyday of the Ottoman Turks, waqf was so dominant and occupied an important position. The current reality many waqf assets are unproductive and run conservatively. Therefore, this research is essential to see how waqf institutions can implement various strategies so that waqf becomes productive. The Systematic Literature Review approach explores multiple strategies by various waqf institutions. The study results show, that the strategy adopted by waqf institutions has succeeded in producing waqf assets, So waqf institutions can be more effective and efficient in carrying out their operations.</em></p> Ramdani Ramdani, Ririn Tri Ratnasari, Imron Mawardi Copyright (c) 2022 Ramdani Ramdani https://creativecommons.org/licenses/by/4.0 https://perisai.umsida.ac.id/index.php/perisai/article/view/1614 Tue, 04 Oct 2022 00:00:00 +0000 What is Islamic Economics? An Attempt to Classify the Definitions of Islamic Economics https://perisai.umsida.ac.id/index.php/perisai/article/view/1616 <p><em>Various definitions of Islamic economics have been offered by academics and scholars according to their respective perspectives and backgrounds. Those perspectives and backgrounds resulting numerous definitions of Islamic economics which make it difficult for students and novice readers to understand Islamic economics. Therefore, it is necessary to identify and classify the definition of Islamic economics into several groups. This study attempted to classify the existing definitions of Islamic economics based on the important themes contained in the definition. This study classifies the definitions of Islamic economics using a literature review, with the help of NVivo software. The stages of data analysis in this study is reading all definitions to identify several key points to assign to the group the definition of Islamic economics as a scientific discipline or not; identify the important points of the definition included in the defined group of Islamic economics as a discipline; and presenting the identification resultsThere are four groups in defining Islamic economics, namely Islamic economics as a dogma or doctrine, Islamic economics as an economic system, Islamic economics as the economy of Muslim countries, and Islamic economics as a scientific discipline. The classification of the definition of Islamic economics is critical to make it easier for any readers to have a better understanding of the definition of Islamic economics.</em></p> Ujang Syahrul Mubarrok, Izzani Ulfi, Muhammad Akbar Izzulhaq Copyright (c) 2022 Ujang Syahrul Mubarrok, Izzani Ulfi, Muhammad Akbar Izzulhaq https://creativecommons.org/licenses/by/4.0 https://perisai.umsida.ac.id/index.php/perisai/article/view/1616 Tue, 04 Oct 2022 00:00:00 +0000 The Role of Amil Zakat Institutions in the Development of Economic Da'wah (Study on Distribution of Zis Funds through the Bankziska Program in Ponorogo) https://perisai.umsida.ac.id/index.php/perisai/article/view/1608 <p><em>The role of the Amil Zakat institution is very much needed in society, many Amil Zakat institutions have the passion to provide assistance to the community by making moral and material contributions. One of the Amil Zakat institutions in Ponorogo is Bank Ziska or stands for financial assistance from zakat funds, infaq-shodaqoh and other religious social funds. The funds obtained will eventually be used for the welfare of the people by using various distribution methods. Bank Ziska in Ponorogo is an example of an amil zakat institution that has provided various kinds of economic development programs for the people and community empowerment, including giving cash to people who have been entangled in usury debt and cannot pay it, another program is to create an UMKM village that has was inaugurated by the Regent of Ponorogo, Sugiri 'Kang Giri' Sancoko in the MSME Village of Moneylender-Free Empowerment and the Digitalization of Bank Ziska Lazismu in Jintab Hamlet, Wonokerto Village, Jetis District 2021. for the national amil zakat institution.</em></p> Adib Khusnul Rois, Azid Syukroni, Nurul Abidin Copyright (c) 2022 adib adib khusnul rois, Azid Syukroni Azid Syukroni, Nurul Abidin Nurul Abidin https://creativecommons.org/licenses/by/4.0 https://perisai.umsida.ac.id/index.php/perisai/article/view/1608 Tue, 04 Oct 2022 00:00:00 +0000 Analysis of Islamic Banking Efficiency in Indonesia in the Digital Bank Era during the Covid-19 Pandemic https://perisai.umsida.ac.id/index.php/perisai/article/view/1095 <p>The Islamic banking industry in Indonesia is experiencing rapid growth. Currently the world is being hit by an economic crisis triggered by the Covid-19 virus pandemic, including Indonesia, especially Islamic banking, which has also been affected by the crisis. Digital services are one of the efforts for Islamic banking to survive in the pandemic era. To survive in a situation like this, it is necessary to have input and output efficiency of the main factors in Islamic banking. Therefore, it is necessary to study the level of efficiency of Islamic banking in the era of the Covid pandemic in order to formulate corrective and anticipatory measures due to the crisis. In order to build synergies with the world of digital finance, the S1 Islamic Economics Study Program gave us an assignment on this theme. This research is quantitative in nature using data from the Financial Services Authority's annual financial statements which were analyzed using the input approach CRS method. The input variables analyzed were third party funds, labor costs, and general administrative costs, while the output variables analyzed were operating income and total financing. The results of this study indicate that the efficient banks in 2020 are Bank NTB Syariah, Bank BTPN Syariah Tbk and Bank Panin Dubai Syariah Tbk and in 2021 Bank Mega Syariah and Bank Panin Dubai Syariah Tbk. Overall, in the Covid pandemic era, the efficiency value of Islamic banking was 78.05% and was included in the moderate criteria, which was smaller than before the pandemic. More serious efforts are needed from various stakeholders to again improve the efficiency of Islamic banking by taking advantage of the benefits of digitalization.</p> Reny Fitriana Kaban, Novita Setyawati, Fayza Salsabilla Animatus Syafila, Anisa Amelia Soeminar, Mega Putri Amelia, Aqila Marza Hanifa, Pricintya Dewi Copyright (c) 2022 Reny Fitriana Kaban, Novita Setyawati https://creativecommons.org/licenses/by/4.0 https://perisai.umsida.ac.id/index.php/perisai/article/view/1095 Sun, 09 Oct 2022 00:00:00 +0000