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Program Studi Perbankan Syariah - Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh Jln. Syaikh Abdur Rauf Banda Aceh 23111, Aceh, Indonesia
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INDONESIA
JIHBIZ :Global Journal of Islamic Banking and Finance.
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : -     EISSN : 26848554     DOI : 10.22373/jihbiz
Core Subject : Economy,
Economics, Econometrics & Finance
Jihbiz : Global Journal of Islamic Banking and Finance publishes research articles of interest to Islamic Banking, Insurance/ Takaful, Islamic Accounting, Business Ethics and Legal Issues, Work Ethics, Islamic Work Ethics, Islamic Corporate Social Responsibility, Islamic Financial management, Islamic Business management, Islamic Consumer behavior, Islamic Marketing management and strategies, Innovation and product development
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 116 Documents
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SHARIAH GOVERNANCE, REPUTASI DAN LOYALITAS NASABAH PADA BANK SYARIAH Riza, Akmal; Anadila, Nurraiyana
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25542

Abstract

Dalam mempertahankan nasabah agar tetap loyal, bank syariah harus senantiasa memperbaiki sistem tata kelola perusahaan supaya  dapat lebih kompetitif dibandingkan dengan bank lain. Bank syariah mempunyai kewajiban untuk patuh terhadap prinsip syariah baik dalam instrumen, produk, operasional, praktik, dan manajemennya. Tujuan penelitian ingin menganalsisis pengaruh sharia governance dan reputasi terhadap loyalitas nasabah pada Bank Aceh KCP Aneuk Galong baik secara parsial maupun simultan. Pendekatan kuantitatif dengan menyebarkan kuesioner 100 nasabah dengan regresi menggunakan IBM-Statistic. Hasil penelitian menunjukkan baik secara individu maupun bersama-sama pada variabel sharia governance dan reputasi berpengaruh positif dan signifikan terhadap loyalitas nasabah.
ANALISIS PEMANFAATAN PRODUK PEMBIAYAAN PENSIUN PADA BANK SYARIAH DI INDONESIA Artanoga, Fawwaz; Inayatillah, Inayatillah; Mulia, Rika
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25550

Abstract

This research aims to determine the utilization of pension financing at Bank Syariah Indonesia (BSI) in Aceh Tengah, Aceh Province. This research uses descriptive qualitative research methods. Interviews was conducted to collect facts, data or material objects which are not in the form of a series of numbers, but rather expressions in the form of language or discourse (whatever the form) through appropriate and systematic interpretation. it can be concluded that the BSI financing mechanism for pensions at one of their branch  in Aceh Tengah has demonstrated that activities are carried out in accordance with the established mechanism. There are customers who use pension financing for both productive and consumptive purposes.
ANALISIS PENETAPAN MARGIN KEUNTUNGAN MURABAHAH PADA BANK SYARIAH DI INDONESIA Ahadi, Mu’thial; Zulhilmi, Muhammad; Isnaliana, Isnaliana
Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 2 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i2.25423

Abstract

Murabahah financing is a form of buying and selling financing with certain benefits added on top of the acquisition cost, where repayment can be made in cash or in installments. This study aims to look at the factors determining murabahah profit margins. The researcher uses a qualitative descriptive approach using primary data, library research, literature studies, and is also supported by related topics obtained from the web and information sources on Islamic banking. The results showed that the factors with the greatest potential in determining margins were internal factors (overhead costs, financing volume, profit targets, third party funds and acquiring costs) and external factors (BI rate and market competition).
DAMPAK GENERASI Z SERTA KEPUTUSAN MENGGUNAKAN BSI MOBILE Ulfa, Riski Walidaini; Djakfar, Inayatillah; Riza, Akmal
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25566

Abstract

This research aims to determine the influence of understanding products and service features on decisions Gen-Z to use BSI Mobile. Using quantitative methods with a descriptive approach, and the research sample was obtained 100 respondents using a cluster random sampling technique from Generation Z in Banda Aceh city who used BSI Mobile. Then, based on multiple linear regression analysis, the result were obtained that the variables of product understanding and service features had a positive and significant effect on the decision to use BSI Mobile.
PENGARUH PENGETAHUAN, KEPERCAYAAN, DAN PELAYANAN TERHADAP MINAT MUZAKKI MEMBAYAR ZAKAT DI BAITUL MAL KOTA BANDA ACEH Irwanda, Muhammad Luthfi; Hasnita, Nevi; Fitria, Ana
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25543

Abstract

Penelitian ini bertujuan untuk menguji pengaruh pengetahuan, kepercayaan, dan pelayanan terhadap minat muzakki membayar zakat di Baitul Mal Kota Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis data regresi linier berganda. Data penelitian ini menggunakan data primer dalam bentuk kuesioner dengan pengolahannya menggunakan SPSS 23. Pengujian hipotesis dilakukan dengan uji parsial (uji-t) dan uji simultan (uji-F) dan tingkat signifikansi 5%. Hasil penelitian menunjukkan bahwa secara parsial pengetahuan dan pelayanan tidak berpengaruh terhadap minat muzakki membayar zakat, sedangkan kepercayaan berpengaruh positif dan signifikan terhadap minat muzakki membayar zakat. Secara simultan pengetahuan, kepercayaan, dan pelayanan berpengaruh dan signifikan terhadap minat muzakki membayar zakat pada Baitul Mal Kota Banda Aceh.
ANALISIS MANAJEMEN RISIKO PEMBIAYAAN KEPEMILIKAN RUMAH BERSUBSIDI SYARIAH PADA BANK ACEH SYARIAH CABANG JEURAM Ridla Tarigan, Ismail Rasyid; Zahidi, Mohd; Ahmadsyah, Israk
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25551

Abstract

Risk in Subsidized Home Ownership Financing occurs when customers have difficulty paying financing due to irregular income. Therefore, the longer the financing period, the risk borne by the bank will increase. This study aims to analyze the application of risk management in preventing potential losses due to the large number of customers with irregular income. The method used is qualitative with a descriptive approach. Researchers used two data sources, namely primary data and secondary data. The results showed that the house could be built after going through the mechanism established by Bank Aceh Syariah Jeuram Branch. The application of risk management is carried out by analyzing 5C + 1S (Character, Capacity, Capital, Collateral, Condition of economy, and Sharia Compliance) due to differences in payment mechanisms and income receipts between customers with fixed and irregular income. Obstacles occur when Subsidized PKR customers want to apply for financing without meeting the requirements or do a murabaha contract before the house is ready to be occupied, so the bank needs to explain transparently so that risk management runs smoothly. Thus, overall risk management at Bank Aceh Syariah is in accordance with the DSN-MUI fatwa which is supervised by the Sharia Supervisory Board.
PENGARUH PEMBIAYAAN TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA TAHUN 2016-2020 Al Husna, Rida; Hisan, Khairatun
Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 2 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i2.25429

Abstract

Penelitian ini bertujuan untuk mengetahui seberapa besar  pengaruh pembiayaan mudharabah, musyarakah dan murabahah terhadap profitabilitas pada bank umum syariah di Indonesia pada tahun 2016-2020. Metode dalam penelitian ini menggunakan metode kuantitatif. Teknik pengumpulan data menggunakan data sekunder. Data yang digunakan dalam  penelitian ini adalah data triwulan  dari pembiayaan mudharabah, musyarakah dan murabahah terhadap profitabilitas pada bank umum syariah di Indonesia pada tahun 2016-2020. Metode analisis data menggunakan regresi linear data panel dengan metode E-Views 9. Berdasarkan hasil secara parsial variabel pembiayaan mudharabah tidak signifikan dengan tingkat sig sebesar (0.4889 > 0,05) terhadap profitabilitas pada bank umum syariah di Indonesia. Secara parsial variabel pembiayaan musyarakah memiliki signifikan dengan tingkat sig  sebesar (0,0101<  0,05) terhadap profitabilitas pada bank umum syariah di Indonesia. Secara parsial variabel pembiayaan murabahah tidak signifikan dengan tingkat sig sebesar (0,9043 > 0,05) terhadap profitabilitas pada bank umum syariah di Indonesia. Hasil penelitian secara simultan variabel pembiayaan mudharabah, musyarakah dan murabahah berpengaruh secara signifikan terhadap profitabilitas pada bank umum syariah di Indonesia. kesimpulan dari penelitian ini berdasarkan analisilis koefisien determinasi (adjusted R2) bahwa 77,54% variabel profitabilitas dipengaruhi oleh variabel independen.
DOES SHARIAH FINTECH CARRIES MORE ETHICAL IMPACTS THAN SHARIAH BANKS: GLOBAL INDEX ANALYSIS ON INDONESIAN INDUSTRY Bin-Armia, Muhammad Syauqi
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25565

Abstract

This article provides an analysis of Indonesia’s Shariah Fintech industry’s ethical impacts agaisnt Shariah banks, particularly from a global index point of view. The Shariah fintech industry experienced enormous development, particularly in the post-pandemic era with a holistic impact socially and ethically. Meanwhile, the Sharia banking industry did not have sufficient impacts on society. Does this mean that Shariah fintech has more ethical impacts and received wider acceptance, particularly those are categorised as unbanked and underbanked entrepreneurs?  Hence, the study will be qualitatively analysed using the global index approach in order to find the result. The research adopted the library research approach and used the published and research articles as secondary data alongside the analysis. The study concluded that Shariah fintech successfully contributed ethically to society, particularly for those who were grouped as unbanked categories. Shariah banks should hands-in-hand with the Shariah fintech to create a more impactful business ecosystem and meaningful collaboration with marginalised enterprises.
Pengaruh Penerimaan Dana ZISWAF, Simpanan Giro Wadiah, Dan Pendapatan Murabahah Terhadap BOPO Dengan Firm Size Sebagai Variabel Moderasi pada Perbankan Syariah di Indonesia Periode 2018-2023 Azkya, Vaizul; Hestya Budianto, Eka Wahyu
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25544

Abstract

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh penerimaan dana ZISWAF, simpanan giro wadiah, dan pendapatan murabahah terhadap BOPO yang dimoderasi oleh firm size. Sampel yang digunakan adalah laporan keuangan perbankan syariah dari Q1 2018 hingga Q3 2023, dengan teknik pengambilan sampel menggunakan purposive sampling yang menghasilkan 115 laporan keuangan selama periode enam tahun. Metode analisis data yang digunakan meliputi Analisis Regresi Data Panel dan Analisis Regresi Moderasi dengan menggunakan aplikasi Eviews 12. Hasil dari studi ini mengindikasikan bahwa penerimaan dana ZISWAF, simpanan giro wadiah dan pendapatan murabahah tidak memiliki pengaruh signifikan terhadap BOPO di sektor perbankan syariah selama periode 2018-2023. Firm Size tidak mampu memoderasi pengaruh penerimaan dana ZISWAF, simpanan giro wadiah, maupun pendapatan murabahah terhadap BOPO di sektor perbankan syariah selama periode tersebut. Disarankan bagi penelitian berikutnya untuk mempertimbangkan penggunaan variabel moderasi tambahan dan melibatkan sampel dari berbagai sektor industri, sehingga hasil penelitian dapat memberikan wawasan yang lebih luas dan representatif dari berbagai sektor ekonomi.
ANALISIS PELAKSANAAN PRINSIP GOOD CORPORATE GOVERNANCE DALAM PERSPEKTIF ISLAM (STUDI KASUS PADA BANK SUMUT SYARIAH KCP KARYA) Pulungan, Rahmat Rizki; Sabila, Sarah; Ardiah, Inayah; Daulay, M. Iqbal
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25552

Abstract

This research is aimed at analyzing the implementation of good corporate governance principles from the perspective of Islamic law. This type of research is field research with a descriptive qualitative approach. This research was conducted at Bank Sumut Syariah KCP Karya. The methods used are interviews and documentation. The results of this research indicate that the implementation of the principles of good corporate governance at Bank Sumut Syariah KCP Karya is in accordance with the perspective of Islamic law. The principle of transparency is in accordance with QS. al-Baqarah verses 188 and 282, the principle of accountability in accordance with QS. al-Baqarah verse 197 and QS. an-Nisa verse 58, the principle of compliance in accordance with QS. al-Mudatsir verse 38, the principle of independence is in accordance with the hadith narrated by Abu Ya'la and authenticated by Albani and the principle of equality is in accordance with the QS. an-Nahl verse 90.

Page 6 of 12 | Total Record : 116

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