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Banque Syar'i : Jurnal llmiah Perbankan Syariah
ISSN : 24609765     EISSN : 26545993     DOI : -
Core Subject : Economy,
Banque Syar’i : Jurnal Ilmiah Perbankan Syari'ah, diterbitkan enam bulan sekali oleh Jurusan Perbankan Syariah pada Fakultas Ekonomi dan Bisnis Islam, UIN Sultan Maulana Hasanuddin Banten, berdasarkan pada Keputusan Rektor Nomor In.10/F.II/HK.00.5/841/2015 Tanggal 21 April 2015. Pertama terbit secara cetak pada tahun 2015.
Arjuna Subject : -
Articles 82 Documents
Tingkat Kesehatan Bank Pembangunan Daerah di Pulau Sumatera Muhammadinah Muhammadinah
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol. 7 No. 1 (2021): Januari - Juni 2021
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

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Abstract

Tujuan dilakukannya penelitian ini adalah untuk mengetahui tingkat kesehatan Bank Pembangunan Daerah yang ada di Pulau Sumatera menggunakan Metode CAMEL. Objek penelitian ini adalah Bank Pembangunan Daerah yang berada di Pulau Sumatera baik konvensional maupun syariah yang meliputi BPD Lampung, BPD Sumsel Babel, Bank Bengkulu, BPD Jambi, BPD Sumatera Barat, BPD Sumatera Utara, dan BPD Aceh. Teknik analisis yang digunakan adalah analisis statistik deskriptif yang digunakan untuk menganalisis, tingkat kesehatan bank menggunakan rasio CAMEL. Hasil penelitian menunjukkan bahwa kondisi Bank Pembangunan Daerah yang berada di Pulau Sumatera dalam keadaan SEHAT. Secara simultan variabel CAR, NPL, BOPO, ROA dan LDR secara bersama sama berpengaruh signifikan terhadap Tingkat Kesehatan Bank Pembangunan Daerah. Secara parsial hanya variabel NPL, BOPO dan LDR yang berpengaruh signifikan terhadap tingkat kesehatan bank.
Menilai Tingkat Kesehatan Bank dengan Analisis Metode Risk Profile, Good Corporate Governance, Earnings, Capital pada pada Bank Syariah di Indonesia Hendra Galuh Febrianto; Amalia Indah Fitriana
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol. 7 No. 1 (2021): Januari - Juni 2021
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

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Abstract

In the banking world of soundness, banks are very important for the formation of trust. Trust and loyalty to banks is a very helpful factor and makes it easier for bank management to develop good business strategies. Bank Soundness Levels are results issued by banks which are carried out on bank risk and performance (Bank Indonesia Regulation Number: 13/1 / PBI / 2011). If more than conventional banking with Islamic banking, conventional banking finance is better than Islamic banking. This is blessed with poor sharia banking (corporate governance) management. In order to be able to carry out its functions properly, banks must have sufficient capital, ensure the quality of their assets properly, be well managed and managed based on the principle of prudence, generate sufficient profits to maintain an increase, and support liquidity so that it can be adjusted to their needs. Therefore banks are required to be able to achieve and maintain a good and optimal level of performance, because the level of bank performance can increase the level of trust and loyalty needed by the wider community to use the products, services and financial activities of the bank. The purpose of this study is for advanced financial research with analysis of Risk Profiles (Risk Profiles), Good Corporate Governance (GCG), Profitability (Income), and Capital (Capital) which is hereinafter abbreviated as RGEC with the final aim of research for the needs of Sharia banking management in accordance with the latest Bank Indonesia and OJK regulations. This type of research uses descriptive research proposed in the RGEC analysis (Risk Profile, Good Corporate Governance, Income, and Capital) at Islamic Banks in Indonesia. from 2013 to 2017
Analisis Tingkat Kesehatan Bank Syariah di Indonesia Menggunakan Metode Fuzzy Inference System Takagi-Sugeno-Kang Havid Risyanto
Banque Syar'i: Jurnal llmiah Perbankan Syariah Vol. 9 No. 1 (2023): Januari - Juni 2023
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/bs.v9i1.8041

Abstract

This study aims to measure the level of accuracy of the health of Islamic banks in Indonesia using the RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital) method and the Takagi-Sugeno-Kang (TSK) Fuzzy Inference System. Fuzzy Inference System is an Artificial Intelligence method that can measure the level of accuracy well. The application of the Takagi-Sugeno-Kang Fuzzy Inference System in assessing the health level of 12 Islamic banks in Indonesia begins by dividing the data into 40 data for training and 20 for testing. The inputs used are NPL, LDR, ROA, ROE, NIM and CAR. The level of accuracy obtained in the fuzzy system for training data for 2014, 2015, 2016, 2017 and 2018 is 95.4%, 97.7%, 98.2%, 96.8%, and 95.4%. In the testing data, the accuracy value for 2014, 2015, 2016, 2017 and 2018 is 100%.
Analisis Efisiensi Kinerja Bank Syariah Menggunakan Data Envelopment Analysis dan Sharia Maqashid Index Ilham Hibatullah; Trisiliadi Supriyatno; Irfan Syauqi Beik
Banque Syar'i: Jurnal llmiah Perbankan Syariah Vol. 9 No. 1 (2023): Januari - Juni 2023
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/bs.v9i1.8197

Abstract

This study aims to measure the efficiency of the performance of Islamic banks in Indonesia, Malaysia, Saudi Arabia, Pakistan, United Arab Emirates and Bahrain using the Data Envelopment approach Analysis (DEA) and Sharia Maqashid Index (SMI).This study uses a combination research method. In the first stage, quantitative research is used to measure the efficiency of the performance of 4 Islamic banks from 6 countries in 2018-2020 with the Data Envelopment Analysis (DEA) and Sharia Maqashid Index (SMI) approaches. In the second stage, qualitative methods are used to compare the results of performance measurement along with the appropriate approach to measure the performance of Islamic banks. The results of this study indicate that in the DEA approach, only 2 Islamic banks consistently have perfect efficiency scores (1 or 100%) namely BRI Syariah (Indonesia) and Kuwait House Finance (Bahrain). As for SMI, the 3 Islamic banks with the highest scores were Bank Muamalat Indonesia (39,020), Al Bilad Bank (36,938) and Alinma Bank (35,335) Saudi Arabia. Performance measurement using these two approaches is very well used to assess the performance of Islamic banks from the aspect of profitability and Sharia Maqashid.
Peran Dewan Syariah Nasional Majelis Ulama Indonesia dalam Mendorong Implementasi Standar Akuntansi Syariah pada Industri Perbankan Syariah Muhammad Fadli Azim; Trisna Taufik Darmawansyah; Yani Aguspriyani; Surahman Surahman
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol. 8 No. 2 (2022): Juli - Desember 2022
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

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Abstract

The Islamic banking industry in Indonesia has grown rapidly in recent years. This growth is supported by the increasing number of people who choose to use Islamic banking services because of their adherence to sharia principles. However, there are still a number of challenges faced by the Islamic banking industry, including in terms of Islamic accounting. Therefore, this study aims to analyze the role of DSN MUI in encouraging the implementation of sharia accounting standards in the sharia banking industry in Indonesia. This study uses a qualitative descriptive method with data collection techniques through literature studies and interviews with relevant informants. The results show that the DSN MUI plays an important role in developing sharia accounting standards in Indonesia and strengthening the oversight of compliance with sharia principles in the sharia banking industry. DSN MUI also plays a role in providing sharia advice and fatwas needed to facilitate the implementation of sharia accounting standards in the sharia banking industry.  This study recommends that the DSN MUI must continue to strengthen its role and function in facilitating the application of sharia accounting standards in the sharia banking industry. In addition, there is also a need for closer coordination and cooperation between the DSN MUI, regulators, and the Islamic banking industry to ensure proper and accurate application of Islamic accounting standards in the Islamic banking industry in Indonesia.
Peramalan Kinerja Keuangan PT Bank Syariah Bukopin Menggunakan Metode ARIMA Box-Jenkin Irmatul Hasanah
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol. 8 No. 2 (2022): Juli - Desember 2022
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

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Abstract

Public trust in banks can be influenced by the performance of a bank which can be seen from its profitability ratios. A decrease in the performance of a bank will lead to a decrease in the level of profitability of a bank. So that if there is a decrease in the level of profitability will cause a decrease in public trust in the bank. This study aims to predict the financial performance data of PT Bank Syariah Bukopin using the ARIMA Box-Jenkins method. The data used for this research is quarterly profitability ratio data for ROA and ROE for 2010-2020. This results shows that ARIMA(1,1,0) model can be used to find the value of ROA in th
Peningkatan Market Share Perbankan Syariah Melalui Konversi Ma'mun Nawawi; Elsa Elsa; Irmatul Hasanah
Banque Syar'i: Jurnal llmiah Perbankan Syariah Vol. 9 No. 2 (2023): Juli - Desember 2023
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/bs.v9i2.8232

Abstract

Abstract Indonesia is one of majority Islamic countries. It becomes the strength of the state in supporting economic development especially through Islamic banking. This research deals with strategy analysis of rising market share of Islamic banking with conversion. This research is also using qualitative approach by using library research method. Dual-banking system has been applied by Bank Indonesia. This encourages Indonesian banking to do conversion as the one of the efforts to rise market share. It is considered effective and significant since Sharia banking is turning of vision and mission based on Islamic law. As a result, it would be an increasing of market share for Indonesian society with the majority are Muslim. Keywords: Market share, Conversion, Sharia banking Abstrak Indonesia memiliki penduduk dengan mayoritas beragama Islam. Hal ini merupakan salah satu potensi untuk mendukung perkembangan ekonomi Islam di Indonesia khususnya melalui perbankan syariah. Penelitian ini bertujuan untuk menganalisis strategi peningakatan market share perbankan syariah melalui konversi. Penelitian ini menggunakan pendekatan kualitatif dengan jenis library reaserch. Setelah Bank Indonensia menerapkan dual-banking system perbankan Indonesia mulai melakukan konversi sebagai upaya untuk meningkatkan market share. Hal ini dinilai sangat efektif dan signifikan karena bank syariah hasil konversi merubah visi misi serta kegiatan operasional berdasarkan syariat islam. Hal ini dinilai dapat meningkatkan market share perbankan syariah pada masyarakat Indonesia yang mayoritas beragama Islam. Kata kunci : Market share, Konversi, Perbankan Syariah
Analisis Model Perilaku MEnabung Diujikan pada Nasabah Bank Syariah di Kota Serang Asti Aini; Anita Anita; Siti Marfu'ah; Putri Intan Srijaya
Banque Syar'i: Jurnal llmiah Perbankan Syariah Vol. 9 No. 2 (2023): Juli - Desember 2023
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/bs.v9i1.8789

Abstract

This study aims to test the Behavioral Planned theory with the direct and indirect influence of several factors that influence the decisions of Islamic Bank customers. This research uses analytical techniques using the Smart PLS version 3.0 software . The results of the study reveal that financial attitudes (t-value: 8,868); subjective norms (t-values: 5,809); and behavioral control (t-value: 2,462) have a direct effect on saving behavior, and demographic variables (age, education and income) are a moderating construct in the relationship between attitudes and saving behavior (3,039 >1,96); the relationship between subjective norms and saving behavior (4,079 >1,96); the relationship between behavioral control and saving behavior (3,718 > 1,96) at alpha 5.%
Stock Price Valuation After Issue of The Indonesian Islamic Bank Merger Breakup Versiandika Yudha Pratama
Banque Syar'i: Jurnal llmiah Perbankan Syariah Vol. 9 No. 2 (2023): Juli - Desember 2023
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/bs.v9i2.8975

Abstract

Stock price valuation is the process of assessing the share price of a company that aims to determine the intrinsic value or fair value of the company. This research is a study that aims to determine the intrinsic value of BRIS companies using a relative valuation approach which is then analyzed using two methods, namely Price Earning Ratio (PER) and Price to Book Value (PBV). This research can serve as a source of information that can assist in making investment decisions through a comparison between market prices and fair prices. This research is included in the category of quantitative descriptive research that uses secondary data as a source of information in the form of historical data obtained from www.stockbit.com. The data used are stock prices for the last 5 years, Earning Per Share data (current EPS) and mean PER data, as well as current book value per share data (current BVPS) and mean PBV. The results showed that the BRIS company valued using the PER method is included in the cheap category (undervalued) so investors are recommended to invest their funds in these shares, while when valued using the PBV method shows that the BRIS company is included in the overvalued category because the market price is greater than the fair price. However, the difference between the fair price and the share price is only small so investors are advised to keep buying the shares.
Strategi Optimalisasi Daya Saing Bank Syariah Pasca Merger Bank-Bank Syariah BUMN Hendri Hermawan Adinugraha
Banque Syar'i: Jurnal llmiah Perbankan Syariah Vol. 9 No. 2 (2023): Juli - Desember 2023
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/bs.v9i2.9168

Abstract

Mergers are an important part of restructuring financial operations and increasing opportunities to increase the share of the Sharia banking market in Indonesia. This study aims to analyze the strategy for optimizing the competitiveness of Islamic banks after the merger of state-owned Islamic banks. This type of research uses field research. This research approach uses qualitative. The research setting is located at Bank BSI KC Pekalongan Pemuda. The subject of this research is Bank Syariah Indonesia (BSI) KC Pekalongan Pemuda, namely the Branch Operations and Service Manager and Marketing Financing at BSI KC Pekalongan Pemuda. The main sample of this research data source is informants consisting of employees and customers of Bank BSI. The data collection technique uses the trinulation technique which is a combination of observation, interview, and documentation techniques. Data analysis used a data credibility test with triangulation techniques from different data. Analysis of the data used in the study used interactive model data analysis by Miles and Huberman. The results of this research conclude that Bank Syariah Indonesia officially carried out a merger on February 1, 2021. The formation of the merger made Bank Syariah Indonesia superior in terms of large capital. Competitiveness optimization strategy by taking several steps. First, sharia awareness. BSI KC Pekalongan Pemuda is a media for preaching the concept of Islamic teachings in Sharia banking practices of Openness, Accountability, Professionalism, and Justice. Second, the strategy plan continues to develop to improve it in line with the problems faced by BSI to achieve a competitive advantage. BSI KC Pekalongan Pemuda’s special strategy focuses on commercial patterns in marketing all products by focusing on several agencies such as education centers, health services, offices, and industries to gain a wide network. Third, digitization makes it easy to provide services that only by using a cellphone can be reached easily.