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Jurnal Ekonomi dan Perbankan Syariah
Published by Sekolah tinggi ekonomi islam SEBI
ISSN : 23551755     EISSN : 25796437     DOI : https://doi.org/10.46899/jeps.v9i1
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Jurnal Ekonomi dan Perbankan Syariah is a scholarly journal published by Islamic Banking Department, School of Islamic Economics STEI SEBI The JEPS journal has been issued since 2013 and it’s have published twice in a year in April and October. The journal has been publishing scholarly papers since 2013. Starting in 2018 onwards, we encourage authors to only submit research papers written in good-read English academic writing. The journal is designed to provide a forum for researchers or academicians and also practitioners who are interested in knowledge and in discussing ideas, issues and challenges in the field of Islamic economic and banking. To solve the problem of the ummah and to provide the solution for the gap between the theories and practices. The scope or coverage of this journal will include but are not limited to Islamic economics, Islamic business, Islamic banking, Islamic capital markets, Islamic wealth management, issues on shariah implementation/practices of Islamic banking, zakat and awqaf, takaful, Islamic corporate finance, shariah-compliant risk management, Islamic derivatives, issues of Shariah Supervisory Boards, Islamic business ethics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 115 Documents
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Credit Risk Determinants: Specific and Macroeconomic Factors of Islamic Banks Rizqa, Agitsna Alya; Haryono, Slamet
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i2.430

Abstract

The development of Islamic banking credit risk shows a downward trend. However, the existence of Indonesian Islamic banking in the world is not yet among the best ranked, even though it has the largest Muslim population. This study examines the factors that influence credit risk in Islamic banks in Indonesia by using the bank's specific characteristics and macroeconomic factors. This study uses a multiple linear regression method with monthly data on Islamic banking in Indonesia for the period 2020-2022. The dependent variable for credit risk uses Non-performing financing (NPF). Independent variables from bank-specific factors are used Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO). While the independent variables from macroeconomic factors use inflation and interest rates. The results showed that the CAR, FDR, and inflation variables affected the credit risk of Islamic banks. FDR has a positive effect, while CAR and inflation have a negative effect. BOPO and interest rates do not affect credit risk.
Implementation of Green Banking Policy at Indonesian Islamic Banks Arsy, Rastiana Alfaaghiyatul; Agriyanto, Ratno; Fuadi, Nasrul Fahmi Zaki
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i2.445

Abstract

Therefore, this study aims to determine the effect of knowledge and policies on the implementation of green banking at Bank Syariah Indonesia (BSI) Branch Offices (KC)  Semarang. This research uses a quantitative research type with purposive sampling using a census technique. Researchers distributed a questionnaire (questionnaire) to collect data. This research method is a quantitative method. This research utilizes quantitative methods as a method for analyzing research questions. This study obtains primary data by interacting directly in the field and the results of distributing questionnaires to samples that will be distributed to respondents from Bank BSI employees. This questionnaire tool can be estimated using a Likert scale. Regression analysis method is a method of statistical science that shows the relationship or causal relationship between two or more variables. To prove the hypothesis in this study, researchers used statistical tests supported by econometric tests using the Simultaneous Test (F Test), Partial Test (T Test), and Coefficient of Determination Test (R²). The results showed that knowledge have no significant effect on the application of green banking. This is indicated by the t value of 0.973 with a significance value of 0.334. Meanwhile, the policy has a positive and significant effect on the implementation of green banking.
Efficient Market of Indonesia Shariah Index during Covid Faisal, Andri; Soepriyono, Gatot
Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2024): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v12i1.521

Abstract

ABSTRACT. The capital market is a place to gain capital at there. There is efficient market that past stock price reflects the current recent price. Unfortunately, the stock price is so volatile and it is difficult to predict it. The concept of random walk also occurs in stock price or stock index. During the covid, the stock price decrease and it is so interesting to predict the stock whether follow the random walk or not.  In order to forecast stock price, the investor should know the price of the stock. They can get benefit from the difference of the stock. The adf and KPSS test show the Jakarta shariah index does not follow random walk, meaning the index can be forecast.  The result of the test shows the best model is ARIMA (5,1,2). Arima is a best forecasting method that can predict stock price. The Model has passed Ljung Box, ACF Graphics and also PACF Graphics. 
The Influence of Firm Size, Share Sales, and Inflation on Stock Prices in Companies Registered on The Jakarta Islamic Index Chikita, Aninda Priska Ayu; Kartika, Metasari
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i2.479

Abstract

Share price fluctuations can be analyzed through factors that can influence them, such as internal and external factors that can influence the company's share price. This research aims to analyze the influence of firm size, share sales, and inflation on share prices in companies listed on the Jakarta Islamic Index. This research was carried out by observing 10 companies registered on the Jakarta Islamic Index (JII), namely PT Adaro Energy Tbk, PT AKR Corporindo Tbk, PT Indofood CBP Sukses Makmur Tbk, PT Indo Tambangraya Megah Tbk, PT Kalbe Farma Tbk, PT Telkom Indonesia Tbk, PT Perusahaan Gas Negara Tbk, PT Bukit Asam Tbk, PT United Tractors Tbk, PT Unilever Indonesia Tbk. With a 10-year observation period, namely 2012-2021 using quarterly data. This research uses a panel data regression analysis method and is processed using the Eviews 12 application. The results of this research show that partially firm size has a positive and insignificant effect on stock prices, while share sales and inflation have a negative and significant effect on stock prices.
Strategy for Utilizing Productive Zakat at BAZNAS Tanah Datar (Analysis Study using an Analytical Network Process Approach) Yasirli, Ulva; Zainuddin, Zainuddin; Firdaus, Nil
Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2024): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v12i1.628

Abstract

The problem in this research is the Productive Zakat Utilization Strategy of BAZNAS Tanah Datar Regency. The problem topics are: priority problems for utilizing productive zakat, priority solutions to problems utilizing productive zakat, priority strategies for utilizing productive zakat. The aim of this research is to find priority problems in the utilization of productive zakat, find priority solutions to problems in the utilization of productive zakat, find and analyze priority strategies for the utilization of productive zakat using the Analytic Network Process (ANP) method. The results of this research are that the main priority OPZ problem is the low effectiveness of the productive zakat utilization program. The main priority problem for mustahik is the low motivation of mustahik to become muzakki. The main priority stakeholder/government problem is the lack of financial support for zakat institutions. Meanwhile, the strategy that is the main priority is improving skills and coaching mustahik in BAZNAS Tanah Datar Regency. Based on the results of the Analytic Network Process (ANP), it was found that the priority problem of the productive zakat utilization strategy lies in the OPZ problem with a higher agreement figure of 0.345. Then the priority solution obtained is the mustahik solution which also has an agreement figure of 0.329. The priority strategy with a higher agreement value for the productive use of zakat from BAZNAS Tanah Datar Regency is increasing skills and developing mustahik with a value of 0.336.
Analysis Four Factors of Customer Interest Towards Bai' Bitsaman Ajil (BBA) Financing at KJKS BMT Agam Madani Nagari Pakan Sinayan Banuhampu District Amuz, Annisa; Fahlefi, Rizal; Effendi, Amri
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i2.497

Abstract

In economic activities, the main challenge faced is the problem of business capital. This is often the main reason why someone's business does not experience development or progress. Providing business capital in the form of Bai Bitsaman Ajil (BBA) financing is an effort to support the community in improving their business and welfare. As a result of the research conducted by the author, it can be concluded that the Bai Bitsaman Ajil (BBA) financing procedure that meets the implementation of KJKS BMT Agam Madani Nagari Pakan Sinayan is submitting an application for funding to KJKS BMT Agam Madani Nagari Pakan Sinayan, customer financing application form, completeness of fee administration, after that, KJKS BMT Agam Madani conducted a survey of business premises and residences. After carrying out supervision, a financing board meeting is held, the client will decide whether to obtain financing or not, realize the financing request and finally disburse the financing funds. The factors that influence customer interest in Bai' Bitsaman Ajil (BBA) financing are product factors, service factors, promotional factors and location factors. Of these four factors, it can be seen that many customers are willing to finance Bai Bitsaman Ajil (BBA), which is more dominant due to product factors, because the procedures for financing Bai Bitsaman Ajil (BBA) are easier and faster, do not make things difficult for the community, the requirements are not complicated, financing Bai Bitsaman Ajil (BBA) can be paid in installments and is not too burdensome for customers to pay installments. Bai Bitsaman Ajil (BBA) financing is carried out to avoid usury and the margins are small, there is no guarantee of usage.
Business Resilience Amidst The Covid-19 Pandemic Hardana, Ali; Hararap, Naruddin Khalil; Nasution, Jafar; Damisa, Arti
Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2024): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v12i1.629

Abstract

The Covid-19 pandemic has an impact on various sectors of life, not only the health sector, the economic and business sectors are also experiencing a serious impact. At this time, many business actors experience various problems such as declining sales, lack of capital, hampered sales distribution and difficulties in raw materials. Therefore, a resilience is needed in order to continue to run in the midst of this difficult situation. The object of this research is UD. salacca. This research method is using a qualitative approach and then analyzed using SWOT analysis. The results of this study indicate that the results obtained from the SWOT matrix table, there are several alternative strategies for UD. Salacca to survive in the midst of the Covid-19 pandemic: (a) Alternative strategies for SO to maximize the use of digital technology to market processed salak products more widely which have guaranteed halalness, maintain cooperative relationships with distributors so that they have the opportunity to expand distribution networks outside the city and abroad, utilize social media to promote the location of business locations to attract customers and utilize digital technology to improve HR skills for the better. (b) Alternative ST strategy to reduce the number of employees so that UD. Salacca was able to survive because of the social distancing policy in the midst of the Covid-19 pandemic, declining market demand, so it had to reduce the amount of production and increase cooperation with suppliers of raw materials in order to increase the amount of production. (c) Alternative WO strategies utilize technological developments to make bookkeeping using a computer system and increase the use of technology and information to expand market share. (d) The alternative WT strategy is to utilize digital technology to increase sales turnover and utilize technology and information to establish communication with salak suppliers from various regions in order to continue to produce salak processed products.
The Influence of Social Marketing Campaign on Community Decisions to Pay Zakat at BAZNAS Through the Kitabisa.com Fintech Platform Tahiyati, Azka; Tartila, Muzayyana
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i2.506

Abstract

This study aims to: (1) test the effect of creating awareness and attraction (X1), changing attitudes and conditions (X2), motivating people to change behavior (X3), empowering people to act (X4) to pay zakat decisions (Y). This study uses an explanatory method. Data was obtained by distributing questionnaires online to 101 respondents who had paid zakat on BAZNAS through the fintech platform Kitabisa.com. The sampling technique used in this study was purposive sampling. The research method used is quantitative associative research and the data analysis tool used is Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach. The results of this study indicate that creating awareness and attraction (X1) and empowering people to act (X4) significantly influence the decision to pay zakat (Y), while changing attitudes and conditions (X2) and motivating people to change behavior (X3) has no significant effect on decision to pay zakat (Y). Based on the test of the coefficient of determination obtained the value of R square 59.2% and the remaining 40.8% is influenced by other exogenous variables outside the model studied. So, for the next researcher is expected to conduct research by using exogenous variables outside the research conducted by the researcher.
The Effect of Bandwagon Effect on Clothing Consumption Patterns (Study on Muslim Community in Tanete Riattang Sub-District) Tama, Megawati Reski; Zulkifli, Zulkifli; Munawarah, Munawarah
Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2024): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v12i1.652

Abstract

Humans carry out consumption activities to meet their needs. There are two types of behavior in consumers, namely rational and irrational consumer behavior. This research aims to determine the effect of bandwagon effect on clothing consumption patterns in Muslim communities in Tanete Riattang District. The research method used is quantitative. The data collection technique was carried out by giving questionnaires to 100 respondents. The analysis technique carried out is a statistical test through a simple linear regression test, t test, and coefficient of determination (R2). Before statistical tests are carried out, research instrument tests are carried out, namely validity tests, reliability tests, and classical assumption tests consisting of normality tests and linearity tests. Data management in this study used SPPS 29 software. The results showed that the bandwagon effect had a positive and significant effect on clothing consumption patterns in the Muslim community in Tanete Riattang sub-district. Based on the results of the t test, it is known that t_value (8.275) t_table (1.984) and the significance value of 0.000 is smaller than the established probability ꭤ which is 0.05 which means that a person's clothing consumption pattern is based on a tendency to buy or recognize trends because many other people also do it.
Public Perception of Baznas Services in Cilegon Banten City Ubaidillah, Taufiq; Bahri, Syaeful; Syarifuddin, Efi
Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2024): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v12i1.514

Abstract

This study was motivated by the community's habit of paying zakat through BAZNAS Cilegon City. Even though the population of this village is predominantly Muslim and the income of the people is very high, this is just unfulfilled potential. Apart from that, this great potential must be supported by excellent service from the Cilegon City Baznas to maximize this great potential. This research aims to find out how the public perceives BAZNAS services in Cilegon City. This research uses a quantitative approach with a survey method to generalize the population from several samples so that conclusions can be made. The data sources for this research are informants from several communities as a result of the informants. Furthermore, the data collection technique in this research uses a questionnaire distributed to the public. Then the results are analyzed descriptively (descriptive analysis) and then the results are interpreted through survey results in the form of tables or images. The results of research on the analysis of the level of conformity between the level of perception and preferences of Muslim tourists towards Cilegon City Baznas services show that the average level of conformity is 100%, which means very good. However, several aspects must be a priority in improving services to the community, namely the human resources aspect with the attribute "Responsive officers in responding to community needs" and the aspect of ease of information and speed of service with the attribute.

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