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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 105 Documents
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The Influence of Work Life Balance, Work Environment and Compensation Towards Millennial and Gen Z Employee Performance : The Influence of Work Life Balance, Work Environment and Compensation Towards Millennial and Gen Z Employee Performance Murtadha Khairi Zhafran Yusuf; Defi Insani Saibil
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 8 No. 1 (2026)
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.v8i1.381.73-91

Abstract

This study aims to examine the influence of work-life balance, work environment, and compensation on employee performance in Islamic banks in the Special Region of Yogyakarta. This study uses a comparative quantitative approach and purposive sampling technique on employees classified as millennials and Generation Z. Data was collected from 100 respondents who met the criteria. Data collection methods include literature review and questionnaire surveys. Data analysis was conducted using SPSS 26. The results of this study indicate that work-life balance does not significantly influence millennial employees, while the other two variables have a significant influence. For Generation Z employees, compensation does not significantly influence them, while the other two variables have a significant influence. The results of the simultaneous test indicate that all independent variables have a significant effect on the dependent variable for both generations. The results of the Independent T-Test comparison indicate no significant difference in the effect of all independent variables on employee performance between the two generations. This study is expected to be beneficial for the Islamic banking industry, particularly in understanding the differences in characteristics between millennial and Generation Z employees to maximize their performance
Financial Distress Prediction In Asean Islamic Banks Using The Altman, Springate, And Grover Models : Financial Distress Prediction In Asean Islamic Banks Using The Altman, Springate, And Grover Models muhammad faizal assyiddiq; Ersi Sisdianto; Sania Nuraziza
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 8 No. 1 (2026)
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.v8i1.387.21-38

Abstract

This study aims to evaluate and compare the financial health levels of Islamic banks in the ASEAN region using the Altman, Springate, and Grover models. Amid the dynamics of the regional economy, risk assessment through multivariate models becomes crucial as an early detection instrument for stakeholders. By taking samples from BCAS, BIMB, BIBD, and iBank for the 2020-2024 period, the results show that all sampled banks are classified as financially healthy based on the Grover model. These findings indicate a strong financial resilience within the Islamic banking sector in ASEAN, while also highlighting variations in accuracy among the models in classifying firms’ financial conditions
Perceived Ease Of Use And Islamic Financial Literacy On The Intention To Use Qris Among Msmes In Central Aceh: Perceived Ease Of Use And Islamic Financial Literacy On The Intention To Use Qris Among Msmes In Central Aceh Nadda Hatini; Rahmawati6; Mohi Uddin
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 8 No. 1 (2026)
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.v8i1.400.57-72

Abstract

This study aims to analyze the influence of Islamic financial literacy and perceived ease of use on the interest in using QRIS among MSMEs in Central Aceh Regency. This study used a quantitative approach with a survey method by distributing questionnaires to 91 respondents selected using a purposive sampling technique. Data analysis was performed using multiple linear regression with the help of SPSS software. The results of the normality test showed a significance value of 0.020 (<0.05), which means the data was not normally distributed, but the analysis was continued because the sample size was sufficient. The coefficient of determination (R²) value of 0.970 indicates that the variables of Islamic financial literacy and perceived ease of use are able to explain 97% of the variation in interest in using QRIS. The results of the simultaneous test (F) showed a significant effect with a significance value of 0.000 (<0.05). Partially, perceived ease of use has a positive and significant effect on interest in using QRIS, while Islamic financial literacy has a positive but insignificant effect. Thus, perceived ease of use is a dominant factor in increasing interest in using QRIS among MSMEs. In conclusion, perceived convenience is the dominant factor in increasing interest in using QRIS, while Islamic financial literacy has not played a significant role6
The Effect of Debt Policy on Firm Value with Profitability as a Moderating Variable: Evidence from PT Bank Rakyat Indonesia Tbk Suci Rahmadani M; Trian Fisman Adisaputra; Abdul Hamid; Darwis
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 8 No. 1 (2026)
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.v8i1.404.39-56

Abstract

This study aims to analyze the effect of debt policy on firm value with profitability as a moderating variable at PT Bank Rakyat Indonesia (Persero) Tbk. Although debt policy is a crucial component in the funding structure to maximize firm value, excessive use of debt risks creating financial burdens and liquidity disruptions, which often become gaps in a company's financial management strategy. Using a quantitative approach with secondary data sourced from annual financial reports published on the Indonesia Stock Exchange, this study applies a purposive sampling technique to select relevant data. The collected data are analyzed using Structural Equation Modeling (SEM) through SmartPLS software to test the relationship between variables. This study is expected to provide empirical evidence regarding the strategic role of profitability in moderating the relationship between debt policy and firm value. The results of this study contribute as a reference for company management in optimizing capital structure and assist investors in making more accurate investment decisions based on comprehensive financial performance indicators.
Financial Health of Indonesian Islamic Banks: A CAMEL-Based Analysis During and After the COVID-19 Pandemic: Financial Health of Indonesian Islamic Banks: A CAMEL-Based Analysis During and After the COVID-19 Pandemic EKo Albar Wahyudi; Nurul Qalbi Awaliyah; Asriyana; Nini Andriani; Habib MUhammad Shabib
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 8 No. 1 (2026)
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.v8i1.405.116-136

Abstract

This study aims to analyze the financial health of Indonesian Islamic commercial banks during and after the COVID-19 pandemic using the CAMEL framework. Data from nine Islamic commercial banks in Indonesia for the 2020–2024 period were examined using a descriptive quantitative approach with CAR, KAP, NPM, ROA, BOPO, and FDR as financial health indicators. Results show that Islamic banks generally maintained strong capital adequacy and controlled asset quality, while profitability, operational efficiency, and liquidity varied across banks. The average CAMEL score improved from the fairly healthy category in 2020–2021 to the healthy category in 2022–2024. Bank Mega Syariah, Bank BTPN Syariah, and Bank NTB Syariah recorded the strongest financial health, whereas Bank Aladin Syariah and KB Bank Syariah still faced challenges in profitability and efficiency. These findings suggest that Islamic bank soundness is bank-specific and component-specific. Management and regulators should prioritize efficiency, earning capacity, and liquidity control beyond capital adequacy. This study is descriptive and does not test causal relationships among financial ratios

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