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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Kodifikasia: Jurnal Penelitian Islam EKSPANSI International Journal Ihya' 'Ulum al-Din Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan JESI (Jurnal Ekonomi Syariah Indonesia) EkBis: Jurnal Ekonomi dan Bisnis El-Barka: Journal of Islamic Economics and Business Etihad: Journal of Islamic Banking and Finance Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Borneo Islamic Finance and Economics Journal (BIFEJ) INASJIF Journal of Finance and Islamic Banking Journal of Islamic economics Perspectives (JIEP)
Angrum Pratiwi
Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : INASJIF

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ANALISIS KINERJA KEUANGAN PERBANKAN SYARIAH DENGAN METODE SHARIA CONFORMITY AND PROFITABILITY (SCnP) Welly Aprida Wahyuni; Mursyid Mursyid; Angrum Pratiwi
Indonesian Scientific Journal of Islamic Finance Vol 1 No 2 (2023): Indonesian Scientific Journal of Islamic Finance
Publisher : FEBI Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i2.6527

Abstract

The assessment of the financial performance of Islamic banking is mostly still measured by conventional measuring instruments. Where the measuring instrument only focuses on financial measurement while Islamic banking is a banking institution that is run using sharia principles, but does not ignore the financial side. The purpose of this study was to measure the financial performance of Islamic banking using the Sharia Conformity and Profitability (SCnP) method, which is a more complex performance measurement because it combines two inseparable assessment orientations, namely sharia and finance. This research is a descriptive quantitative research. The population in this study is the financial statements on sharia banking statistics published by OJK using saturated sampling as the sample of this study. The variables of this study are Sharia Conformity and Profitability. The types of data used are secondary data and the data collection technique in this study is documentation. The results of this study show the financial performance of Islamic banking, at the quadrant level showing SCnP results during the 2017-2021 period BUS in Indonesia are in four quadrants, namely the Lower Left Quadrant, which has sharia conformity and low profitability. Upper Left Quadrant, namely with low sharia compatibility and high profitability. Upper Right Quadrant, has sharia compatibility and high profitability. And the Lower Right Quadrant, where sharia conformity is high but the profitability is low. And the financial performance of UUS in Indonesia is in three quadrants, namely Lower Left Quadrant, Lower Right Quadrant and Upper Right Quadrant during the 2017-2021 period. Whereas in BPRS during the 2017-2021 period financial performance was in three quadrants namely Lower Left Quadrant Upper Left Quadrant and Lower Right Quadrant.
STRATEGI PENGEMBANGAN TABUNGAN DENGAN PENDEKATAN BUSINESS MODEL CANVAS PADA BANK SYARIAH INDONESIA Nurul Setianingrum; Indah Dwi Lestari; MF Hidayatullah; Angrum Pratiwi
Indonesian Scientific Journal of Islamic Finance Vol 2 No 1 (2023): Indonesian Scientific Journal of Islamic Finance
Publisher : FEBI Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v2i1.7599

Abstract

The business and technological environment is experiencing changes in use, influencing the current macro and micro economic environment. Changes in consumer behavior and competition in all sectors require companies to compete and maintain their business. Companies need to focus on customer satisfaction in addition to sales and profits. Satisfied customers create loyalty and profits. The research focuses on implementing the Easy Mudharabah Savings development strategy using the Business Model Canvas. The aim is to understand the Business Model Canvas that can be applied to BSI Easy Mudharabah Savings and the implications of its development strategy. This type of research is descriptive with a qualitative approach. The location of this research is PT. Indonesian Sharia Bank. Data was collected through observation, interviews, documentation and triangulation. Data analysis includes data collection, data reduction, data presentation, and drawing conclusions. The results of this research show: 1) BSI's value proposition is low admin costs, e-channel facilities, and profit sharing. 2) Customer segment is the target customer for Easy Mudharabah Savings. 3) Communication channels with customers through websites and personal selling. 4) Customer relationships are carried out through friendly service from BSI employees. 5) Revenue stream comes from admin fees and profit sharing. 6) Key partners are BSI employees. 7) Key activities include marketing and creating an Easy Mudharabah Savings account. 8) Key resources are BSI and E-channel employees. 9) Cost structure includes promotional and operational costs in marketing activities.
PENGARUH KUALITAS PELAYANAN DAN CORPORATE SOCIAL RESPONSIBIITY (CSR) TERHADAP CITRA BMT NU JAWA TIMUR Huda, Nurul; Maksum, Maksum; Helmi, Moh.; Pratiwi, Angrum
Indonesian Scientific Journal of Islamic Finance Vol 3 No 2 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v3i2.11192

Abstract

This study analyzes the influence of Service Quality and Corporate Social Responsibility (CSR) on the formation of the Image of BMT NU East Java as a sharia microfinance institution. Grounded in SERVQUAL theory (Parasuraman et al., 1988), CARTER model for Islamic banking (Othman & Owen, 2001), and Carroll's CSR framework (1991), the research addresses challenges in building positive institutional image for sustainable growth. This quantitative study uses a field approach with incidental sampling techniques on 100 respondents from among Islamic boarding school students who are customers of BMT NU East Java. Data were analyzed using validity tests, reliability tests, classical assumption tests, multiple linear regressions, and hypothesis tests through SPSS Statistics 26. The findings reveal that both service quality and corporate social responsibility demonstrate statistically significant positive influences on institutional image formation. Service quality emerges as a critical determinant in shaping customer perceptions, while CSR programs contribute substantially to building trust and credibility. The combined effect of these variables explains the vast majority of institutional image variance, indicating their strategic importance for BMT sustainability and growth. Practically, findings suggest BMT managers should prioritize Islamic finance service training and implement community-focused CSR programs to enhance institutional reputation and competitive positioning in the Islamic microfinance sector.
Co-Authors Aminatun, Wahyuni Ariani, Rikka Sri Bambang Iswanto Bambang Iswanto Darmawati Darmawati Darmawati Dedy Mainata Dedy Mainata Desi Ratna Sari Dharma Yanti Dian Susanti Helmi, Moh. Hj. Nurul Setianingrum Idhafiyyah Anwar Indah Dwi Lestari Irfan Irfan Lina Wulandari Lina Wulandari Maksum, Maksum Mauizatul Hasanah, Mauizatul MF Hidayatullah Moh. Mahrus Mursyid Norvadewi Nurul Huda Nurul Setianingrum Panji Ahmad Khairulanam Parno Parno Parno Parno Parno Parno Puput Fitriana Ramadayanti, Rizky Suci Rizal, Fitra Rizky Amaliyah, Rizky Rizky Suci Ramadayanti Setianingrum, Hj. Nurul Slamet Haryono Tika Parlina Welly Aprida Wahyuni Winarsih Winarsih