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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 88 Documents
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Preferensi Mahasiswa Generasi Z di Kota Palu: Meningkatkan Literasi Digital melalui QRIS M Banking Rifaldi, Rifaldi; Farid, Erwan Sastrawan; Auriza, Mohammad Zeylo
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 5 No. 2 (2023)
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.v5i2.222.166-184

Abstract

Penelitian ini bertujuan untuk menganalisis preferensi mahasiswa Generasi Z di Kota Palu terkait penggunaan QRIS M Banking dalam meningkatkan literasi digital. Metode penelitian yang digunakan adalah kuantitatif dengan sampel sebanyak 100 orang mahasiswa Generasi Z di Kota Palu. Data yang diperoleh dan dianalisis menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa persepsi kemudahan, persepsi manfaat, persepsi kepercayaan, dan persepsi risiko memiliki pengaruh positif dan signifikan terhadap preferensi mahasiswa Generasi Z dalam menggunakan QRIS M Banking. Temuan ini menunjukkan bahwa kemudahan penggunaan, manfaat yang dirasakan, kepercayaan terhadap layanan, dan pengelolaan risiko yang baik memengaruhi keputusan mahasiswa Generasi Z dalam memilih QRIS M Banking sebagai alat pembayaran digital. Penelitian ini memberikan pemahaman yang lebih baik tentang faktor-faktor yang mempengaruhi preferensi mahasiswa Generasi Z terkait penggunaan QRIS M Banking, sehingga dapat meningkatkan literasi digital di kalangan mahasiswa
Factors That Influence People's Interest In Using Sharia Banking Products Abdul Nasser Hasibuan; Ali Hardana
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 1 (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.v6i1.242.53-70

Abstract

Financial Literacy is knowledge, skills and beliefs that influence attitudes and behavior aimed at achieving prosperity by being financially intelligent in management and decision making. Based on observations made by researchers of the people of Tano Tombangan Angkola District, several problems were found, including lack of understanding, awareness of saving and very poor financial management with the high level of consumption of the people of Tano Tombangan, Angkola District, being one of the problems. The aim of this research is to determine the influence of financial literacy and digital marketing on people's interest in using sharia banking products. This research is quantitative research using primary data. The data collection technique used was a questionnaire. Sampling in this study used the Accidental Sampling technique with a sample size of 94 people determined using the Taro Yamane formula. The data analysis methods used are normality test, multicollinearity test, heteroscedasticity test, coefficient of determination test, multiple linear regression test, t test and F test. The t test results show that there is an influence of Financial Literacy and Digital Marketing on Community Interest in Using Sharia Bank Products (Case Study in Tano Tombangan Angkola District). Hopefully this research will contribute to banks in increasing their customers.
The Urgency Of The Mobile Sharia Service Program at BPD Kaltimtara Syariah as Supporting IKN Development hasbi, muhammad
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 1 (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.v6i1.245.17-31

Abstract

The market opportunity for sharia banks is still very large, which is a challenge for sharia banks to attract and convert Muslim people into customers. Kutai Kartanegara Regency is one of the districts of East Kalimantan province which has an area of 27,263.10 km² and has a large potential market for sharia customers. This type of research is called field research, and the research approach in this research is a descriptive qualitative approach. This research was carried out at Bank Kaltim Syariah Tenggarong branch and other that have implemented the Sharia Mobile Service program as well as customers who use and do not use sharia product services in several border sub-districts in Kutai Kartanegara district. Data collection techniques through observation, interviews and documentation as well as data analysis techniques through qualitative descriptive analysis in this research, namely, explaining the urgency of community needs-based sharia mobile services. The sharia mobile service program already exists at the Kaltimtara Bank Balikpapan and Samarinda branches, but website do not match those carried out in the field. Bank Kaltimtara Syariah North Penajam Paser sub-branch and Tenggarong Kutai Kartanegara Branch need to have sharia mobile service vehicles for both of them. This has been reviewed from 5 conditions, namely the economic condition of the community, socio-cultural demographics/psychography of the community, politics , government, and law, technology, and competitive factors. The results went to the people of Kutai Kartanegara Regency,the community wants sharia-based services and takes into account the pick-up and drop-off services available in the Sharia Mobile Service program as well as financing that is profitable for customers.
Risk Mitigation of Murabahah Financing for Teacher Certification at BPRS Metro Madani KCWest Garlic Bones Mega, Mega Karlina Agustin; Noorikha Pandayahesti Saputeri; Warsiyah
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 1 (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.v6i1.246.32-52

Abstract

Murabahah financing for teacher certification is a form of financing based on sharia principles in order to help teachers to obtain certification as part of increasing their professional competence. This research journal aims to find out how risk management is implemented in murabahah financing for teacher certification (Sergu) and how banks try to deal with bad customer financing. The object of this research is PT. BPR Syariah Metro Madani KC Tulang Bawang Barat. The method used isqualitative approach, type of field research (Field Research). The results of this research arerisk control at PT. BPR Syariah Metro Madani KC Tulang Bawang Barat has been managed well and in accordance with Standard Operating Procedures (SOP), which includes risk identification, risk measurement, risk monitoring and risk control.Customers duplicate teacher certification, bank (payroll accounts), late disbursement of certification funds from the government, teachers or customers are fired from their jobs while the financing process is still pending, or the government revokes certification funds.Implementation of risk management at PT. BPR Syariah Metro Madani KC Tulang Bawang Barat has been carried out by PT. BPR Syariah Metro Madani KC Tulang Bawang Barat starting from the implementation of market risk handling, credit risk and operational risk has been implemented in accordance with the handling program procedures implemented by the bank, it has been implemented in accordance with the risks that arise, the target to be achieved in handling financing risk management has been achieved.
The effect of Islamic Financial Literacy and religiosity on the interest of saving Generation Z in Islamic banks Husnul Khotimah; Noorikha Pandayahesti Saputeri; warsiyah
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 1 (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.v6i1.247.71-86

Abstract

The growth of savings interest in generation z is inseparable from the influence of social media. The growth of interest in saving gen z at Islamic banks is inseparable from a good social media marketing strategy. The purpose of this study is to determine how sharia financial knowledge and religiosity influence the decision of University of Muhammadiyah Lampung students to save at Islamic banks. In this study, interest in saving as the dependent variable, and Islamic financial literacy and religiosity as the dependent variable. This research using a quantitative approach. The population in this study were Students of the Faculty of Islamic Religion at Muhammadiyah Lampung University class 2020-2023. The primary data used came from a questionnaire with a total of 100 respondents. The sampling technique used non-probability sampling technique. The analysis technique in the study used multiple regression analysis analysis and processed using spss. The results showed Fcount is greater than Ftable, namely 38.743 smaller than 2.669 and Ho is accepted. This shows that sharia financial literacy (X1) and religiosity (X2) affect the interest in saving (Y) simultaneously.
The impact of GENBI SUL-TENG's socialization and implementation on Islamic Economics students' QRIS payment preference Fikram; Irham Pakkawaru; Ferdiawan; Mochammad Syahfril Moharom
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 1 (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.v6i1.251.87-100

Abstract

This study aims to determine the effect of socialization and implementation of Generasi Baru Indonesia Central Sulawesi (GenBi Sul-Teng) on the interest of students at the Faculty of Economics and Islamic Business in using non-cash payments through QRIS in Era 5.0, with convenience as a moderating variable, both partially and simultaneously. This research is an associative quantitative study utilizing a quantitative approach. Primary data were collected through observation and distribution of questionnaires, with all members of the population being included as samples. Data analysis techniques, classical assumptions, and MRA were performed using the SPSS version 23 for Windows program. The results indicate that, partially, through the T test, socialization variables have a positive and significant effect on student interest, and application variables also exhibit a positive and significant effect on student interest. Meanwhile, in the F test, both socialization and application variables simultaneously influence student interest. The convenience variable moderates the effect of socialization on student interest but is not significant. However, the convenience variable can moderate the effect of application on student interest, with the coefficient of determination (R Square) being 0.452. This implies that the independent variables' influence on the dependent variable in this study is 45.2%, while the remainder is influenced by other variables not examined.
Religiosity, Knowledge, and Satisfaction on Students' Saving Decisions: A Moderating Effect of Interest in Islamic Banks Aunika, Vita; Sukardi, Budi; Adib Susilo
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 1 (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.v6i1.256.101-126

Abstract

This study aims to determine the effect of religiosity, knowledge, and satisfaction on saving decisions in Islamic banks with interest as an intervening variable with a case study of Greater Solo students. This study employed quantitative methods using primary data. The sampling technique used was simple random sampling. Data collection was done by distributing questionnaires via Google Forms. The sample size was 200 students from Solo Raya. This study used the SMART-PLS analysis tool with the Partial Least Square Structure Equation Model (PLS-SEM) analysis model. The results of SEM-PLS research prove that religiosity and satisfaction significantly affect interest in saving in Islamic banks. Knowledge has no significant effect on interest in saving in Islamic banks. Interest, religiosity, and satisfaction significantly affect saving decisions at Islamic banks. Interest has a significant effect in mediating religiosity and satisfaction on saving decisions at Islamic banks. Meanwhile, interest does not affect the mediating effect of knowledge on saving decisions in Islamic banks. The research has implications for proving the low level of student knowledge regarding sharia financial literacy, by encouraging student awareness regarding sharia financial literacy in sharia financial practices. Increasing sharia financial literacy will contribute to improving the sharia economy.
How Firm Characteristics Affect the Timeliness of Financial Disclosures in Nigerian Insurance Firms Olubukola Sarah, Oyewole; C.S.A. Okeke , Frankline; Okeke, Oluchukwu Gloria; Nugroho, Moh Agus; Beactrice Chinonye , Ezeilo
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 1 (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.v6i1.259.1-16

Abstract

Increasing the relevance of corporate financial statements to decision-making processes necessitates rapid availability of financial information to users. This study delves into the timely reporting practices of Nigerian insurance companies over a twelve-year period, spanning from 2009 to 2021. Through an examination of firm characteristics such as size and age, alongside the timeliness of financial reports measured by audit report delay, this research sheds light on the intricate dynamics influencing financial reporting practices within the Nigerian insurance sector. Utilizing advanced statistical analysis techniques including fixed effect modeling and diagnostic tests for data normality and heteroskedasticity, the findings unearth compelling insights. Notably, while firm size exhibits a significant negative impact on financial reporting timeliness, the influence of firm age proves to be less straightforward, indicating nuanced factors at play. This study underscores the imperative for insurance companies to bolster their asset bases, thereby enhancing their capacity to mitigate delays in financial reporting. By elucidating the interplay between firm characteristics and reporting timeliness, this research offers actionable recommendations to fortify the integrity and efficiency of financial reporting practices within the Nigerian insurance industry.
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

Page 7 of 9 | Total Record : 88

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