cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Malkan
Contact Email
malkanmannan@gmail.com
Phone
+6285244035231
Journal Mail Official
abdul_jaliil@iainpalu.ac.id
Editorial Address
Jl. Diponegoro No. 23 Palu
Location
Kota palu,
Sulawesi tengah
INDONESIA
Jurnal Ilmu Perbankan dan Keuangan Syariah
Published by Institut Agama Islam Negeri Palu
ISSN : -     EISSN : 26866625     DOI : https://doi.org/10.24239/jipsya.v2i1.20.1-23
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ilmu Perbankan dan Keuangan Syariah diterbitkan oleh Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis IAIN Palu.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 8 Documents
 1 
Search results for , issue "Vol. 6 No. 2 (2024)" : 8 Documents clear
THE The Influence Of Financial Technology For Bank Syariah In Indonesia Ferri Alfadri; Bazyad Abdullah Meteab Mubarak; Nurul Widad binti Abu Hassan
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.232.127-248

Abstract

Based on data during the Covid-19 pandemic, the use of fintech lending experienced a spike from 62 companies to 162 companies and then decreased again after the Covid-19 pandemic to 129 companies and fell again to 102 companies in 2022. The aim of this research is to find out What is the influence of financial technology on Indonesian sharia banks in 2018-2022. This research uses a qualitative method. The data source used is secondary data obtained from the official OJK website. The data processing and data analysis techniques in this research are data reduction, data presentation, and drawing conclusions. The results of this research are the influence of financial technology on Indonesian sharia banks from 2018-2022. It can be seen that the use of fintech makes transactions at Indonesian sharia banks increase. This can be seen in 2018, namely 41.9 million transactions. Then in 2019 BRI Syariah Bank had many improvements with the use and development of financial technology as a strategy to attract customers. In 2020, during the Covid-19 pandemic, financial technology played a vital role in maintaining bank health. In 2021, even though Indonesian sharia banks are only 1 year old and under social restrictions by the government due to Covid 19, Indonesian sharia banks can still survive and provide services to customers through bank digitalization. In 2022 the sharia banking industry will also record positive growth. Total assets in December 2022 will increase by IDR. 108 trillion or grew 15.6% (yoy), to IDR 802.3
Marketing Strategy for Hajj Bailout Fund Products at PT. BPRS Aman Syariah Imas Nur Kholifa; Eki Tiyas Nurulia; Norikha Pandayahesti Saputeri
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.261.127-145

Abstract

The increasing growth and development of sharia banking in Indonesia will encourage banks to always optimize their marketing activities. The business carried out by Bank PT. BPRS Aman Syariah in facing competition is by providing products and services that can meet the needs of the community, one of which is by providing Hajj bailout financing products. The formulation of the problem in this research is How does PT. BPRS Aman Syariah formulates its marketing strategy for Hajj bailout fund products? The method adopted is qualitative research, aimed at understanding phenomena related to the experience studied, through analysis and description of the marketing strategy for PT's Hajj bailout funds. BPRS Aman Syariah, draws comprehensive insights from analyzed and interpreted data to find product marketing strategies. The results of this research indicate that the implementation of the marketing strategy for Hajj bailout products from aspectsWith relatively satisfactory service differentiation, Bank Aman Syariah also has a good image in the minds of consumers.Marketing mix aspect, PT. BPRS Aman Syariah applies each marketing mix concept, namely: product, price, location or place, promotion, obstacles faced by Bank PT. BPRS Aman Syariah in marketing Hajj bailout products means that the public does not yet know how the operational system is for financing Hajj bailouts and the public does not yet know what benefits they can get from financing Hajj bailouts. The location between one sub-district and another is very wide; The high Ujroh from the first, second and third years becomes an obstacle in marketing Hajj bailout products. Very long queue from the Ministry of Religion to perform the Hajj
Factors Causing Problematic murabaha Financing and Its Handling at KSPPS BMW Rahmah and KSSU Harum Dhaha Kediri Fadilah, Adin; Laila Maheswari, Audrey; Tri Puspita Ningrum, Ririn
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.262.127-248

Abstract

KSPPS Bina Mitra Wahana (BMW) Rahmah Jatim and KSSU Harum Dhaha is a Sharia Cooperative located in the Kediri City area, it has a superior financing product, namely murabaha which is in great demand by members, for additional capital for business purposes. The large amount of financing channeled is inseparable from a risk such as non-performing financing. The existence of problematic financing is certainly caused by several factors. This study aims to determine the factors that cause problematic murabaha financing and its handling. This research uses a qualitative approach, and includes a type of comparative research. The results of this study, which are the factors causing the occurrence of non-performing murabaha financing, the majority of which come from external factors, namely the existence of natural disasters or disasters such as the Covid-1 pandemic, members are unable to manage their business properly, decreased purchasing power, increasingly fierce business competition, using financing funds for other purposes, unstable economic conditions, and government policies that can affect the income of business actors. While the internal factors are the analysis that is less thorough when analyzing the condition of the member's business, the lack of a financing supervision system, and also the lack of human resources. The handling of problematic financing carried out is using Rescheduling, and Restructuring. Adjusted to the condition of the member.
Assessing the Efficiency of Sharia Rural Banks: A Comparative Study Using DEA Frontier Rahmanto, Dhidhin Noer Ady; Maulana, Hardiyansyah; Novi Febriyanti; M. Zidny Nafi’ Hasbi; Tyagita Dianingtyas Sudibyo
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.278.127-145

Abstract

The COVID-19 pandemic has negatively impacted various sectors, including health, the economy, and banking, leading to decreased purchasing power, weakened entrepreneurship, and threats to MSMEs. The Sharia Rural Banks (BPRS) complements other Sharia banks in Indonesia by meeting the community's financial needs in accordance with Sharia principles. Efficiency in banking serves as a key indicator to assess bank performance, determining whether a bank is operating effectively. Identifying the factors that influence efficiency in the banking sector is essential. This study employs a quantitative approach with a descriptive design, using secondary data from the BPRS annual financial reports for the first, second, third, and fourth quarters of 2023, obtained from the official OJK website. The research sample includes 20 BPRS in the Central Java and DIY Provinces, all registered with the OJK. The data was processed into input and output variables based on financial balance sheets and profit and loss statements. Analysis was conducted using the DEA Frontier Application with the Variable Return to Scale (VRS) model. Efficiency was measured on a scale from 0 to 1, where a score of 1 or 100% indicates full efficiency. This study, conducted online from May to July 2024, utilized annual financial report data sourced from the Financial Services Authority (OJK). The findings reveal that the average operational efficiency of BPRS in Central Java across the four quarters was 0.881, while in DIY, it was 0.940, indicating that BPRS in DIY demonstrated higher operational efficiency compared to those in Central Java.
Comparative Analysis of Bank Muamalat's Profitability in Implementing Fintech Maulana, Zefri; Annisa Putri, Rifka; Sumarni, Mutia; Bin Mauluddin, Muhammad Ikhwan
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.279.127-248

Abstract

Technological innovation has become the basis of information in the financial services industry, currently many new technologies are ready to drive the next wave of financial services innovation, one of which is financial industry innovation in the form of financial technology or fintech. The fintech industry emerged due to various constraints of banking and other financial institutions. The economic development of a country is strongly supported by the banking sector. The profitability of Bank Muamalat Indonesia is a benchmark in the banking world to determine the extent to which the bank has achieved its goal, namely obtaining good profits to increase bank profits. The aim of this research is to analyze the comparison of Bank Muamalat Indonesia before and after collaborating with fintech. The method used in this research is a quantitative method with the data source used from the annual financial report of Bank Muamalat Indonesia for the period 2006-2023. This research uses secondary data analysis using the normality test method, paired sample t-test for normally distributed data and the Wilcoxon signed test for data that is not normally distributed. The research results obtained show that at Bank Muamalat Indonesia the variables ROA, ROE, BOPO, GPM have a negative and significant effect after collaborating with fintech during the 2006-2023 period and the NIM and NPM variables have a positive and significant effect. This indicates that Bank Muamalat Indonesia's financial condition is experiencing income instability even though it has collaborated with fintech
The Impact Work Discipline, Financial Compensation, Organizational Commitment on Employee Performance at Ganesha Utama Kadek, Bramdhika Ada; Rahmat Yanuary; Vitalia Fina Carla Rettobjaan; I Ketut Johny Pramanda Putra
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.281.127-145

Abstract

In today's global competition, the world of work requires individuals who are forward-thinking, intelligent, innovative, and able to work with high performance to face the times. This study aims to analyze the factors that influence employee performance at Ganesha Utama Savings and Loan Cooperative (KSP) in Denpasar, focusing on work discipline, financial recovery, and organizational commitment. This research data is primary data obtained through questionnaires, with a total of 33 respondents. The data analysis techniques used include quantitative analysis, classical assumption test, multiple linear regression analysis, F test, and T test. The results of the F test show that work discipline, financial recovery, and organizational commitment simultaneously have a positive and significant effect on the performance of KSP Ganesha Utama employees. The T test results show that the work discipline variable has a positive but insignificant effect on employee performance, while the financial recovery variable has a positive and significant effect. Organizational commitment variables also have a positive but insignificant effect on employee performance. The implications of this study indicate the importance of improving financial aspects in supporting employee performance, although work discipline and organizational commitment remain relevant in efforts to improve performance. These results provide a basis for KSP Ganesha Utama to prioritize strategies to improve financial well-being as well as employee performance.
Banking Stock Performance in the Conventional Banking Industry: An Examination Before and During Covid-19 Pandemic Dewi Salmita; Afnan Bachmid; Sofyan Bachmid
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.284.237-248

Abstract

The Covid-19 pandemic significantly impacted various economic sectors, including the banking industry, as a vital component of financial markets. Stock performance reflects a company's financial health and market perception, measured through stock returns. However, the extent to which the pandemic affected the stock performance of conventional banking companies in Indonesia remains underexplored, creating a critical research gap. This study aims to analyze and compare the stock performance of conventional banking companies listed on the Indonesia Stock Exchange (IDX) before and during the Covid-19 pandemic. Secondary data were collected from the stock returns of banking companies, covering the pre-pandemic period (2017–2019) and the pandemic period (2020–2022). Using purposive sampling, 39 companies were selected from a population of 44. The Wilcoxon Signed Rank Test was applied to test the hypothesis using SPSS 26 software. The findings reveal no statistically significant differences in stock performance between the pre-pandemic and pandemic periods (Z = -1.234, p = 0.217). These results highlight the resilience of Indonesia's conventional banking industry amidst the Covid-19 crisis.
The Effect of Green Accounting Implementation on CSR Disclosure in Indonesian LQ45 Banking Sector Irham pakkawaru; Rizki Amalia; Dede Arseyani; Nuriatullah; Muh. Syafaat
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.290.127-145

Abstract

This research examines the relationship between green accounting practices and corporate social responsibility disclosure (CSRD) in Indonesian banking institutions listed on the Indonesia Stock Exchange (IDX). The study covers the period from 2018 to 2021, focusing on banks that consistently published both annual reports and sustainability reports. The sample selection employed a purposive sampling technique to ensure data relevance and completeness. The research methodology utilized a quantitative approach, analyzing data from annual reports and sustainability reports of selected banks. Green accounting implementation was measured using dummy variables, where companies disclosing environmental costs in their annual reports were coded as 1, and those not disclosing were coded as 0. Corporate social responsibility disclosure was assessed using standardized disclosure metrics. Simple regression analysis reveals that green accounting implementation does not have a statistically significant effect on CSRD (t = -1.644, p = 0.118). The coefficient of determination (Adjusted R² = 0.082) indicates that green accounting explains only 8.2% of the variance in CSRD practices. However, the study finds a positive relationship between environmental performance and CSRD levels, suggesting that banks with better environmental performance tend to provide more comprehensive social responsibility disclosures. These findings contribute to the understanding of sustainability reporting practices in the Indonesian banking sector and highlight the need for stronger integration between environmental accounting and corporate social responsibility disclosure frameworks

Page 1 of 1 | Total Record : 8

 1 

Filter by Year

2024 2024


Reset
Filter By Issues
All Issue Vol. 7 No. 1 (2025) Vol. 6 No. 2 (2024) Vol. 6 No. 1 (2024) Vol. 5 No. 2 (2023) Vol. 5 No. 1 (2023) Vol. 4 No. 2 (2022) Vol. 4 No. 1 (2022) Vol 3 No 2 (2021) Vol 3 No 1 (2021) Vol 2 No 2 (2020) Vol 2 No 1 (2020) Vol 1 No 2 (2019) Vol 1 No 1 (2019) More Issue