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Journal Of Sharia Banking
Published by Institut Agama Islam Negeri Padangsidimpuan
ISSN : 28098781     EISSN : 28279344     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
journal of sharia banking is a sharia banking journal of the faculty of Islamic economics and business State Islamic Institute Padangsidimpuan which is published every two times a year.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 113 Documents
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PENGARUH MODAL SENDIRI DAN VOLUME USAHA TERHADAP SISA HASIL USAHA Wardana, Ahmad; Harahap, Nasruddin Khalil; Abidin Harahap, Raja Zainal
Journal Of Sharia Banking Vol 5, No 2 (2024): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v5i2.13454

Abstract

The purpose of the problem in this study is to determine the effect of Own Capital, Business Volume on Total Remaining Results of Operations (SHU) in the Mitra Manindo Cooperative, Siabu District, both partially and simultaneously. The discussion of this research relates to the effect of own capital, business volume on the total remaining business results (SHU). Therefore, the approach taken is a theory related to Own Capital, Business Volume to Total Remaining Results of Operations (SHU). number of samples from 2019-2021 (36 Months). Before performing data processing in SPSS Version 2.0, it is first transformed into Ln (Natural Logarithmic) form. The results of the study show the regression equation as follows: SHU = Rp. 8199372,858 + Rp. 0.218 MS – Rp. 0.165 VU. While the value of Adjust R2 ‎(Adjast R Sguare) is 0.432 or equal to (43.2%), which means the Independent Variable (Own Capital, Business Volume) to the dependent variable (Remaining Operating Results) is 43.2%. While the remaining 56.8% is influenced or explained by other factors. And the hypothesis test shows that the tcount for the equity variable is 2.146, the tcount for Business Volume is (-2.155). While ttable is 2.032. So it can be concluded that Own Capital has a positive effect on the Remaining Results of Operations (SHU) while Own Capital, Business Volume has a negative effect on the Remaining Results of Operations (SHU). Simultaneously Fcount was obtained at 9.587 while Ftable was 2.032, it can be concluded that there is an effect of Own Capital, Business Volume on Remaining Business Results (SHU).
THE IMPACT OF DISTRIBUTION OF FUNDING AND THE AMOUNT OF THIRD PARTY FUNDS ON THE PERFORMANCE OF BANK BCA SYARIAH PERIOD 2014 – 2021 Husna, Ovilia; Hariyanto, Sidiq; Nurhana, Inka Ayu; Cahyani, Nita; Prastiwi, Iin Emy
Journal Of Sharia Banking Vol 4, No 2 (2023): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v4i2.9381

Abstract

The main problem in this thesis is the relationship of third party funds  and financing to profits at Bank BCA Syariah. The purpose of this study is to determine how big the relationship between third party funds  and financing to the profits of Bank BCA Syariah.This study uses the profitability variable using the Return On Asset (ROA) measurement, and the independent variable is TPF (Third Party Funds).This study aims to determine whether the amount of financing and Third Party Funds has an effect on the Profit of Bank BCA Syariah. This research was conducted in 2014-2021. This research is a quantitative research with secondary data. Data analysis using multiple linear regression analysis,Simultan test (Test F), Partial Test (Test t), And Test Koefisiens determinasi. Which I got from the quarterly financial statements of Bank BCA Syariah in 2014-2021.. But first, use the classical assumption test to test the quality of the data, before it is processed by regression. From the results of this study, it was found that third party funds and financing had no significant effect on the Profit Bank of BCA Syariah. 
ANALISIS PERAN AUDIT INTERNAL TERHADAP MANAJEMEN RISIKO PEMBIAYAAN PADA KSPPS BMT NU SEJAHTERA KC MAJALENGKA Fazriah, Devina Nur
Journal Of Sharia Banking Vol 5, No 1 (2024): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v5i1.11006

Abstract

A company in improving the effectiveness and efficiency of its business activities requires an internal audit to achieve its goals. This research aims to determine the role of internal audit in financing risk management at KSPPS BMT NU Sejahtera KC Majalengka, to find out the financing risk management implemented at KSPPS BMT NU Sejahtera KC Majalengka, as well as financing risk control at KSPPS BMT NU Sejahtera KC Majalengka. This research uses descriptive research with a qualitative approach, research data collection is carried out through interviews, observation and documentation. The data sources used include primary data and secondary data, then the data will be analyzed by data reduction, data presentation and drawing conclusions. The research results show that the role of internal audit in financing risk management at KSPPS BMT NU Sejahtera KC Majalengka is quite good according to conditions in the field, namely that there are several mechanisms for overcoming financing risks through the process of risk identification, risk measurement, monitoring and risk control. Financing risk control is carried out by assessing a person's collateral and character when making financing. Suatu perusahaan dalam meningkatkan efektivitas dan efisiensi kegiatan usahanya memerlukan adanya audit internal agar mencapai tujuan. Penelitian ini bertujuan untuk mengetahui peran audit internal terhadap manajemen risiko pembiayaan pada KSPPS BMT NU Sejahtera KC Majalengka, Untuk mengetahui manajemen risiko pembiayaan yang diterapkan di KSPPS BMT NU Sejahtera KC Majalengka, serta pengendalian risiko pembiayaan di KSPPS BMT NU Sejahtera KC Majalengka. Penelitian ini menggunakan jenis penelitian deskriptif dengan pendekatan kualitatif, pengumpulan data penelitian dilakukan melalui wawancara, observasi dan dokumentasi. Sumber data yang digunakan meliputi data primer dan data sekunder, selanjutnya data akan dianalisis dengan reduksi data, sajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa peran audit internal dalam manajemen risiko pembiayaan di KSPPS BMT NU Sejahtera KC Majalengka sudah cukup baik sesuai keadaan dilapangan bahwa terdapat beberapa mekanisme dalam mengatasi risiko pembiayaan melalui proses identifikasi risiko, pengukuran risiko, pemantauan dan pengendalian risiko. Pengendalian risiko pembiayaan dilakukan dengan menilai jaminan dan karakter seseorang pada saat melakukan pembiayaan.
PENGARUH PENDIDIKAN DAN PENGALAMAN KERJA TERHADAP ETOS KERJA KARYAWAN PT.BANK MUAMALAT INDONESIA KC. DUMAI Syarif, Willy; Samiatun, Samiatun
Journal Of Sharia Banking Vol 5, No 2 (2024): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v5i2.12700

Abstract

The realization of achieving work ethic targets has not been realized. This means achieving work targets at PT. Bank Muamalat Indonesia, Kc. Dumai has not been optimal and shows that employee work education is still lacking and employee work experience is also low. This is shown by not achieving employee work ethic targets. The formulation of the problem in this research is whether there is a partial and partial influence of education and work experience. simultaneously on the work ethic of employees at PT. Bank Muamalat Indonesia, Kc. Dumai. This research is quantitative research using primary data. The data collection instrument was carried out using a questionnaire. Sampling in this study used a non-probability sampling technique, namely a saturated sample with a sample size of 15 respondents taken from all members of the population, namely employees of PT. Bank Muamalat Indonesia, Kc. Dumai. The analysis tests used in this research are validity test, reliability test, normality test, classical assumption test, t test and f test using SPSS version 23. Based on the results of research and testing carried out using SPSS version 23, it shows that there is an influence education on the work ethic of employees at PT. Bank Muamalat Indonesia, Kc. Dumai. and work experience has no influence on the work ethic of employees at PT. Bank Muamalat Indonesia, Kc. Dumai. Meanwhile, the F test shows that there is an influence of education and work experience on the work ethic of employees at PT. Bank Muamalat Indonesia, Kc. Dumai.
PENGARUH PENERAPAN ETIKA PROFESI, KOMITMEN ORGANISASI DAN KECERDASAN EMOSIONAL TERHADAP PENINGKATAN PROFESIONALISME AKUNTAN PUBLIK Rahman, Alfi Dwi; Hardana, Ali
Journal Of Sharia Banking Vol 5, No 1 (2024): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v5i1.9505

Abstract

Sharia banking in Indonesia continues to develop rapidly over time. This growth cannot be separated from problematic financing. So, banks must maintain the health of the bank itself. This research aims to examine the influence of Return On Assets (ROA), Return On Equity (ROE), and Financing To Deposit Ratio (FDR) on non-performing financing (NPF). The population of this research is 10 sharia banks registered with BUS. The type of research used in this research is quantitative research, using secondary data. Sourced from the official websites of each bank, the 2020 - 2022 period uses quarterly financial reports. The analysis technique used is multiple linear regresion. The results of this research are that Return On Assets (ROA) does not have effect on the NPF of Sharia Commercial Banks in Indonesia. (2) ROE has a negative effect on the NPF of Sharia Commercial Banks in Indonesia. These results show that the higher the bank's profits, the lower the financing problem and vice versa. (3) FDR influences the NPF of Sharia Commercial Banks in Indonesia. Suggestions for further research include adding macroeconomic factors to the independent variables for problematic financing, interest rates, exchange rates and inflation
ISLAMIC LEGAL ANALYSIS OF SHARIA ECONOMIC DISPUTES REGARDING DEFAULT COMMITTED BY DEBTORS AT BANK OCBC NISP TBK, CQ. OCBC NISP SHARIA BUSINESS UNIT DURING COVID-19 ( DECISION NUMBER 2113/PDT.G/2024/PA.SBY ) Fauziah, Nur
Journal Of Sharia Banking Vol 6, No 2 (2025): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v6i2.16626

Abstract

The COVID-19 pandemic has had a significant impact on various sectors, including the Islamic banking sector. One of the impacts is the increasing cases of default by debtors, especially in micro-financing channeled by institutions such as OCBC NISP Sharia Business Unit. In the context of Islamic law, default is understood as a violation of a valid contract according to sharia, but also provides leniency in emergency conditions such as a pandemic. This study aims to analyze debtor default against OCBC NISP Sharia Business Unit during COVID-19 based on an Islamic law perspective. The study uses a normative legal method with a qualitative approach through a literature study of primary, secondary, and tertiary legal sources. The results of the study show that Islamic law accommodates the principles of justice and welfare in resolving defaults, through approaches such as rescheduling, reconditioning, and restructuring. In addition, the Qur'an emphasizes the need for tolerance towards debtors who are experiencing economic difficulties. Therefore, the implementation of restructuring solutions in sharia financing during the pandemic is a form of implementing fair and civilized sharia principles.
IMPLEMENTASI SKEMA POTONG GAJI DALAM PEMBIAYAAN SERTIFIKASI GURU DI BPRS ARTHA PAMENANG CABANG MADIUN salsa, sania
Journal Of Sharia Banking Vol 6, No 1 (2025): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v6i1.18178

Abstract

This study discusses the implementation of the salary deduction scheme in the financing of Teacher Certification (SERGU) at BPRS Artha Pamenang Madiun Branch. The background of this research is based on the need for teachers to obtain financing with a safer and more secure mechanism, as well as the gap between the ideality of the certification allowance policy and the reality in the field. This approach uses a descriptive qualitative approach with primary data obtained through in-depth interviews with internal BPRS Artha Pamenang, including account officers, tellers and cs staff. Secondary data is obtained through institutional profiles, as well as related literature. Data analysis techniques were carried out with an interactive model through data reduction, data presentation, and conclusion drawn, while the validity of the data was tested by triangulation of sources. The results of the study show that the implementation of the salary deduction scheme has proven to be effective in reducing the risk of default, increasing the certainty of installments, and supporting the welfare of teachers. However, there are weaknesses in the form of dependence on government allowance policies and limited financing platforms. This study concludes that the salary deduction scheme is a relevant and effective strategy for BPRS Artha Pamenang as well as contributing to the literature on sharia financing innovations in the education sector. Keyword : BPRS Artha Pamenang, Teacher Certification (SERGU), Salary Deduction Scheme, Sharia Financing, SWOT Analysis.Abstrak : Penelitian ini membahas implementasi skema potong gaji dalam pembiayaan Sertifikasi Guru (SERGU) di BPRS Artha Pamenang Cabang Madiun. Latar belakang penelitian ini didasarkan pada adanya kebutuhan guru untuk memperoleh pembiayaan dengan mekanisme yang lebih aman dan terjamin, serta adanya kesenjangan antara idealita kebijakan tunjangan sertifikasi dengan realitas di lapangan. Tujuan penelitian adalah untuk menganalisis bagaimana skema potong gaji diterapkan dalam pembiayaan sertifikasi guru, serta menilai kekuatan, kelemahan, peluang, dan ancaman yang muncul melalui analisis SWOT.Pendekatan ini menggunakan pendekatan kualitatif deskriptif dengan data primer yang diperoleh melalui wawancara mendalam dengan pihak internal BPRS Artha Pamenang, meliputi account officer, teller dan staf cs. Data sekunder diperoleh melalui profil lembaga, serta literatur terkait. Teknik analisis data dilakukan dengan model interaktif melalui reduksi data, penyajian data, dan penarikan kesimpulan, sedangkan keabsahan data diuji dengan triangulasi sumber.Hasil penelitian menunjukkan bahwa implementasi skema potong gaji terbukti efektif dalam menekan risiko gagal bayar, meningkatkan kepastian angsuran, serta mendukung kesejahteraan guru. Meskipun demikian, terdapat kelemahan berupa ketergantungan pada kebijakan tunjangan pemerintah dan keterbatasan platfon pembiayaan. Penelitian ini menyimpulkan bahwa skema potong gaji merupakan strategi yang relevan dan berdaya guna bagi BPRS Artha Pamenang sekaligus berkontribusi pada literatur mengenai inovasi pembiayaan syariah di sektor pendidikan.Kata Kunci  : BPRS Artha Pamenang, Sertifikasi Guru (SERGU), Skema Potong Gaji.
IMPLEMENTASI SKEMA POTONG GAJI DALAM PEMBIAYAAN SERTIFIKASI GURU DI BPRS ARTHA PAMENANG CABANG MADIUN salsa, sania
Journal Of Sharia Banking Vol 6, No 2 (2025): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v6i2.18174

Abstract

This study discusses the implementation of the salary deduction scheme in the financing of Teacher Certification (SERGU) at BPRS Artha Pamenang Madiun Branch. The background of this research is based on the need for teachers to obtain financing with a safer and more secure mechanism, as well as the gap between the ideality of the certification allowance policy and the reality in the field. This approach uses a descriptive qualitative approach with primary data obtained through in-depth interviews with internal BPRS Artha Pamenang, including account officers, tellers and cs staff. Secondary data is obtained through institutional profiles, as well as related literature. Data analysis techniques were carried out with an interactive model through data reduction, data presentation, and conclusion drawn, while the validity of the data was tested by triangulation of sources. The results of the study show that the implementation of the salary deduction scheme has proven to be effective in reducing the risk of default, increasing the certainty of installments, and supporting the welfare of teachers. However, there are weaknesses in the form of dependence on government allowance policies and limited financing platforms. This study concludes that the salary deduction scheme is a relevant and effective strategy for BPRS Artha Pamenang as well as contributing to the literature on sharia financing innovations in the education sector. Penelitian ini membahas implementasi skema potong gaji dalam pembiayaan Sertifikasi Guru (SERGU) di BPRS Artha Pamenang Cabang Madiun. Latar belakang penelitian ini didasarkan pada adanya kebutuhan guru untuk memperoleh pembiayaan dengan mekanisme yang lebih aman dan terjamin, serta adanya kesenjangan antara idealita kebijakan tunjangan sertifikasi dengan realitas di lapangan. Tujuan penelitian adalah untuk menganalisis bagaimana skema potong gaji diterapkan dalam pembiayaan sertifikasi guru, serta menilai kekuatan, kelemahan, peluang, dan ancaman yang muncul melalui analisis SWOT. Pendekatan ini menggunakan pendekatan kualitatif deskriptif dengan data primer yang diperoleh melalui wawancara mendalam dengan pihak internal BPRS Artha Pamenang, meliputi account officer, teller dan staf cs. Data sekunder diperoleh melalui profil lembaga, serta literatur terkait. Teknik analisis data dilakukan dengan model interaktif melalui reduksi data, penyajian data, dan penarikan kesimpulan, sedangkan keabsahan data diuji dengan triangulasi sumber. Hasil penelitian menunjukkan bahwa implementasi skema potong gaji terbukti efektif dalam menekan risiko gagal bayar, meningkatkan kepastian angsuran, serta mendukung kesejahteraan guru. Meskipun demikian, terdapat kelemahan berupa ketergantungan pada kebijakan tunjangan pemerintah dan keterbatasan platfon pembiayaan. Penelitian ini menyimpulkan bahwa skema potong gaji merupakan strategi yang relevan dan berdaya guna bagi BPRS Artha Pamenang sekaligus berkontribusi pada literatur mengenai inovasi pembiayaan syariah di sektor pendidikan. 
ANALISIS IMPLEMENTASI PROGRAM ZAKAT PRODUKTIF BAZNAS UNTUK MUSTAHIK GOLONGAN MISKIN: TELAAH PROSES SELEKSI DAN PENYALURAN Romadon, Jaka; Rohmah, Mayang Fatuh; Arwani, Nijar; Fadilla, Nurul
Journal Of Sharia Banking Vol 6, No 2 (2025): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v6i2.17849

Abstract

Penelitian ini menganalisis implementasi program zakat produktif BAZNAS Kota Banjar dengan fokus pada proses seleksi dan mekanisme penyaluran kepada mustahik golongan miskin. Latar belakang penelitian didasarkan pada kebutuhan meningkatkan efektivitas zakat produktif sebagai instrumen pemberdayaan ekonomi yang berkelanjutan. Penelitian menggunakan pendekatan kualitatif melalui wawancara, telaah dokumen, dan observasi lapangan untuk memahami pola seleksi mustahik serta prosedur pendistribusian dana modal usaha. Hasil penelitian menunjukkan bahwa proses seleksi mengutamakan validasi administrasi melalui sinkronisasi data BAZNAS dan OPD, termasuk persyaratan SKTM dan rekomendasi instansi terkait, sehingga memastikan ketepatan sasaran. Penyaluran modal dilakukan secara masal menggunakan akad hibah dengan nominal seragam Rp1.000.000 per mustahik, yang pada awal 2025 diberikan kepada 1.625 pelaku UMKM dengan usaha kecil yang beragam. Namun, tidak ditemukan adanya pendampingan pasca penyaluran sehingga potensi keberlanjutan usaha mustahik belum sepenuhnya terpantau. Temuan ini menunjukkan bahwa meskipun mekanisme seleksi dan penyaluran telah berjalan sistematis, efektivitas pemberdayaan mustahik dapat ditingkatkan melalui penguatan monitoring dan pendampingan usaha.
EFEKTIVITAS PENGALAMAN MAGANG TERHADAP KESIAPAN KERJA (STUDI KASUS MAHASISWA PROGRAM STUDI PERBANKAN SYARIAH UIN SYAHADA PADANGSIDIMPUAN) Harahap, Indri Widyati Anggraini; Siregar, Rosnani; Alfadri, Ferri
Journal Of Sharia Banking Vol 6, No 2 (2025): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v6i2.17015

Abstract

Penelitian ini bertujuan untuk menganalisis efektivitas pengalaman magang terhadap kesiapan kerja mahasiswa Program Studi Perbankan Syariah di UIN Syahada Padangsidimpuan. Dalam era persaingan kerja yang semakin ketat, kesiapan kerja menjadi faktor krusial bagi lulusan perguruan tinggi. Program magang dirancang sebagai jembatan antara dunia akademik dan industri, namun efektivitasnya seringkali bervariasi. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Pengumpulan data dilakukan melalui wawancara mendalam dengan 30 mahasiswa angkatan 2020 yang telah menyelesaikan magang, serta observasi dan dokumentasi. Hasil penelitian menunjukkan bahwa efektivitas program magang dipersepsikan secara berbeda oleh mahasiswa. Sebagian mahasiswa merasa program ini sangat efektif karena memberikan pengalaman praktis yang relevan, meningkatkan kepercayaan diri, dan mengasah keterampilan teknis serta soft skill. Namun, sebagian besar lainnya merasa program magang belum efektif karena beberapa faktor, seperti durasi yang terlalu singkat, tugas yang tidak relevan dan bersifat administratif, serta kurangnya kepercayaan dan bimbingan dari pihak lembaga tempat magang. Faktor-faktor yang memengaruhi kesiapan kerja teridentifikasi berasal dari faktor internal (motivasi dan kompetensi mahasiswa) dan faktor eksternal (kualitas program magang). Disimpulkan bahwa meskipun program magang memiliki potensi besar, implementasinya perlu dievaluasi untuk memastikan setiap mahasiswa mendapatkan pengalaman yang bermakna dan sesuai dengan tujuan pembelajaran untuk meningkatkan kesiapan kerja secara optimal.Kata Kunci: Efektivitas, Pengalaman Magang, Kesiapan Kerja, Perbankan Syariah, Mahasiswa.

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