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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 106 Documents
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STRATEGIES FOR HANDLING PROBLEMATIC ATM COMPLAINTS IN INCREASING CUSTOMER SATISFACTION AT PT. BANK MUAMALAT INDONESIA, Tbk KC PADANGSIDIMPUAN sannita sannita; darwis harahap; sulaiman efendi; husni husni
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6436

Abstract

This study aims to find out how PT. BMI, Tbk KC Padangsidimpuan implemented a strategy for handling troubled ATM complaints in increasing customer satisfaction. The discussion of this study relates to Islamic Banking. With handling of ATM complaints, it will be able to prevent a crisis, because banks can deal with problems more quickly and recognize the initial symptoms of a crisis by evaluating ATM complaints that are problematic that can harm banks. The method used is descriptive qualitative. Data collection techniques used were interviews, observation, and documentation. Researchers see that there are two factors that cause complaints of problematic ATMs, namely: this internal factor originates from the bank's internal, namely system that is experiencing problems, so it cannot serve customer needs in conducting a transaction. In addition, human resources are less skilled, causing customers to experience complaints, and external factors stem from the behavior of customers who do not understand how to use bank facilities, one of which is not being able to use an ATM card, as well as customers who are impatient, impatient. This makes these customers tend to commit careless actions, which causes the ATM card to be blocked, the customer's account can be debited, the ATM card to be swallowed, the ATM card to be damaged or the wrong transfer can no longer be used.
EFFECT OF OPERATING COSTSONAL OPERATING INCOME (BOPO) AND NON-PERFOMING Financing (NPF) ON RETURN ON ASSETS (ROA) IN PT. BANK RAKYAT INDONESIA SYARIAH, TBK FOR THE PERIOD 2009-2017 ABDUL nasser NASSER; Ali Hardana; erlina erlina
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6431

Abstract

One of the goals of the company is to obtain maximum profit. Based on the published financial statements of PT. Bank Rakyat Indonesia Syariah, Tbk Period 2009-2017. Tend to fluctuate in several quarters, the phenomenon that occurs in this study can be seen from the increase and decrease in Operational Cost and Operating Income and Non-performing Financing that are not in accordance with the increase and decrease that occurs in Return on Assets. The formulation of the problem in this study is whether there is an influence of Operational Costs Operating Income and Non Performing Financing on Return On Assets at PT. Bank Rakyat Indonesia Syariah Tbk, the period 2009-2017 simultaneously. The aim of the study is to determine the effect of the Operational Cost of Operating Income and Non-performing financing on the Return On Assets at PT. Bank Rakyat Indonesia Syariah. Tbk, 2009-2017 period. The discussion of this research is about Operational Costs Operating Income and Non-Performing Financing and is related to other sharia banking fields. In this connection, the approach taken is there relates to Operational Costs, Operational Revenues, and Non-Performing Financing of Return On Assets. This type of research is quantitative research, and the source of the data used is secondary data through www.ojk.go.id. The sample of this study was 36, data analysis used multiple linear regression, descriptive statistics, normality test, linearity test, classical assumption test, hypothesis test, coefficient of determination R2 test, and t-test and F test, and the data were processed with the help of SPSS 23 statistical calculations.  Based on the results of research on operational costs operating income variables have a negative effect on Return On Assets, this is evidenced by the value of - count - table that is (-8,361 -2,03452), then Ho is rejected and Ha is accepted. And the Non-Performing Financing variable influences the Return On Assets with the value of tcount table that is (2.303 2.03452), Ha is accepted and Ho is rejected. Then simultaneously the operational cost of operating income and Non-performing financing variables influence simultaneously on Return On Assets with the value Fcount Ftable (45.210 3.28).
COMPARATIVE ANALYSIS OF CAMELS AND RGEC METHODS IN ASSESSING THE LEVEL OF HEALTH OF PT. BANK PANIN DUBAI SYARIAH TBK rusdi rusdi; armyn hasibuan; damri batubara
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6437

Abstract

Banks As intermediary institutions have a very important role in driving the economy in Indonesia, so banks must be managed very carefully and need special supervision from the government. The bank's health assessment method continues to grow, there are two new bank health assessment methods namely CAMELS and RGEC. This study aims to compare the CAMELS and RGEC methods in assessing the soundness of PT. Bank Panin Dubai Syariah Tbk in 2014-2018. This research is quantitative research. The population of this study is the financial statements of PT. Bank Panin Dubai Syariah Tbk. The sample of this study is the financial statements of PT. Panin Bank Dubai Syariah Tbk 2014-2018. The analysis technique used is a descriptive analysis using the CAMELS and RGEC methods. The results of this study note that the assessment of bank health by the CAMELS and RGEC methods has different results. The CAMELS method is more focused on achieving profit and growth, while the RGEC method focuses on a combination of self-assessment that emphasizes risk management, GCG implementation, and financial ratios that measure the condition of a bank. So that the RGEC Method becomes a more comprehensive bank health assessment solution.
ASSESSMENT OF BANK HEALTH LEVEL USING CAMEL METHOD AT PT BNI SYARIAH IN 2014-2018 hanafi hanafi; sry lestari; lismawati lismawati
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6432

Abstract

The background of the problem in this study is the level of bank health can be measured by looking at the financial performance of the bank. Financial performance is the result of achieving a successful financial condition of the bank in a certain period to assist investors in making investment decisions in a bank. The purpose of this study was to determine the condition of the health level of PT BNI Syariah in 2014-2018. The analytical tool used is CAMEL. The theory used in this study is a theory related to the CAMEL method. Assessment using the CAMEL method consists of CAR, PPAP, ROA, and FDR. The data used is the financial statement data obtained from the company PT Bank Negara Indonesia Syariah in 2014-2018 published through the website. This type of research is descriptive quantitative research. namely, research that emphasizes testing theories through measuring research variables with numbers and analyzing data with statistical procedures. The data source used is secondary data. The results of this study indicate that the level of bank health at PT BNI Syariah is measured by financial performance for the CAR, PPAP, ROA, and FDR ratios categorized in a healthy group.
THE ANALYSIS OF THE EFFECT OF FDR, NPF, AND DPK ON PROFIT-SHARING-BASED MUDHARABAH FINANCING IN BANKS SHARIA IN INDONESIA PERIOD 2012-2018 ferri alfadri; muhammad arif; ticha ticha; taufik taufik
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6452

Abstract

This research is motivated The background in this study is the occurrence of variable mudharabah financing fluctuations in 2012-2018 in Islamic banking. The formulation of the problem in this study is whether there is an influence of financing to deposit ratio, nonperforming financing, and third-party funds on profit-sharing-based mudharabah financing in Islamic banking in Indonesia in 2012-2018. This study aims to determine the effect of FDR, NPF, and DPK on Mudharabah financing in Islamic Banking, which consists of Islamic commercial banks and Islamic business units in Indonesia. This research is quantitative research with secondary data. The sample in the study used a saturated sampling technique. The number of samples is 84 samples. The data analysis method used in this research is descriptive statistical analysis, normality test, classic assumption test consisting of multicollinearity test, heteroscedasticity test, autocorrelation test, then hypothesis testing, and multiple linear regression tests. Based on the partial test result (t-test) showed that FDR affected mudharabah financing, then the NPF variable influenced mudharabah financing, and the DPK variable influenced mudharabah financing then the Anova test (F test) simultaneously the FDR, NPF, and DPK variables had a positive effect on mudharabah financing. 
EFFECT OF MUḌĀRABAH SAVINGS PROFIT SHARING AND MUḌĀRABAH DEPOSITS ON NET PROFIT IN PT. BANK SYARIAH MANDIRI, Tbk IN 2011-2018 indah pratiwi; azwar hamid; veri pramudia
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6433

Abstract

Based on data obtained at PT. Bank Syariah Mandiri Tbk, there is a phenomenon that is not in accordance with the theory, Muḍārabah savings in the second quarter of 2013 decreased but net income increased. In 2015-2016 muḍārabah deposits decreased but net income increased. So the formulation of this study is whether the profit sharing of muḍārabah savings and muḍārabah deposits has a partial and simultaneous effect on net income at PT. Bank Syariah Mandiri, Tbk Year 2011-2018. The aim of the study is to determine the effect of muḍārabah savings and muḍārabah savings partially and simultaneously has an effect on net income at PT. Bank Syariah Mandiri, Tbk Year 2011-2018. This research is a quantitative study with secondary data and sampling techniques using purposive sampling of as many as 32 samples. Data analysis methods used in this research are descriptive tests, normality tests, heteroscedasticity tests, multicollinearity tests, auto operation tests, multiple regression tests, coefficient of determination tests (R2), partial tests (t-test), and simultaneous tests (F). The results of this study indicate that the R Square value of 19 percent while the remaining 81 percent (100-19) is influenced by other variables not examined in this study.
THE EFFECT OF MURABAHAH MARGINS AND MURABAHAH FINANCING ON PROFITS AT PT. SHARIA PEOPLE'S FINANCING BANK (BPRS) SINDANGLAYA KOTANOPAN sunarji harahap; erni erni; maisarah maisarah
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6434

Abstract

The background in this research is the existence of a phenomenon that is not in accordance with the theory that if the financing channel increases it will affect the bank’s profit, but seen from the data not in accordance with the theory. The formulation of the problem in this study is whether Murabaha margins and Murabaha financing have an influence on earnings partially or simultaneously, the purpose of this study of Murabaha margins and Murabaha financing on earnings at PT. Rakyat Syariah Financing Bank (SRB) Sindanglayan Kotanopan. The study discusses the effect of Murabaha margins and Murabaha financing PT Syariah Sindanglaya People’s Financing Bank Kotanopan so that the theory and theory of the Qur’an are adjusted to the scope, we can see how it affects the Sindanglaya Kotanopan Sharia People Financing Agency.  This research is a quantitative study using secondary data with a sample of 48 samples with a saturated sampling design. Data collection techniques used are documentation and study of literature. data obtained from the financial ratio report of the Islamic Peoples’ Financing Bank Sindanglaya Kotanopan Published by the authority. Data analysis techniques using multiple linear regression data processed by computer SPSS Persi 22. The result of the study showed that the R test was influential by 64,5% while 35,5% was influenced by other variables. The result of the t-test hypothesis showed that tarithmetic ttable ( 8,657 2,01410) and Murabaha financing had an influence on the profit tatitmetic ttable (2,223 2,01410). Simultaneously Murabaha margin and Murabaha financing affect profit because of Fcalculate Ftable  (40,843 3,20). This means Murabaha margins and financing margins have a positive effect on earnings.
THE INFLUENCE OF KNOWLEDGE AND PROMOTION ON THE INTEREST OF THE PEOPLE OF PAYAGOTI VILLAGE, PORTIBI DISTRICT USING SHARIA BANK PRODUCTSTHE INFLUENCE OF KNOWLEDGE AND PROMOTION ON THE INTEREST OF THE PEOPLE OF PAYAGOTI VILLAGE, PORTIBI DISTRICT USING SHARIA BANK PRODUCTS Windari, Windari; Batubara, Sarmiana; Duma, Duma; Hamna, Fitri
Journal Of Sharia Banking Vol 3, No 2 (2022): 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.v1i2.6422

Abstract

This research is motivated by the lack of knowledge and promotion of society about Islamic banks is still minimal so that the people of Payagoti Village understand more about conventional banks. So that more people use traditional bank products compared to sharia even though the community already knows that these conventional banks contain usury, so the problem formulation in this study is whether or not the influence of knowledge and promotion simultaneously influences the interests of the people of Payagoti Village, Portibi District using Islamic bank products. The purpose of this study was to determine the effect of knowledge and promotion directly affect the interests of the people of Payagoti Village, Portibi Subdistrict using Islamic banking products. The theory used in this research is about the understanding of Islamic banks, Islamic bank products, fundraising products, fund distribution products, knowledge, promotions, and interests. This research is quantitative research. The data source used is primary data. Data collection techniques used were interviews and questionnaires with a sample of 86 people—data processing using SPSS 23. The analysis technique used is the validity test, reliability test, normality test, classic assumption test, multiple linear regression analysis, coefficient of determination, and hypothesis testing.The results showed that the knowledge and promotion variables simultaneously had an influence on the community's interest in Payagoti Village, Portibi Subdistrict using Islamic bank products.
EFFECT OF SHARIA INTERBANK MUDHARABAH INVESTMENT CERTIFICATE (SIMA) ON THE MONEY SUPPLY (JUB) IN 2014-2018 putri sara; adanan murrah; indah sari
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6435

Abstract

There is almost no part of human economic life that is not related to the existence of money. Excessive increases in the money supply can drive price increases beyond expected levels so that in the long run it can disrupt economic growth. Conversely, if an increase in the money supply is low, economic devastation will occur. Sharia Interbank Mudharabah Investment Certificate (SIMA) is a tool used for transactions in the Sharia Interbank Money Market (PUAS). This certificate is a certificate that is used as an investment tool for banks with excess funds to make a profit, and on the other hand, the Interbank Sharia Mudharabah Investment Certificate (SIMA) is also a means for banks experiencing shortages of funds to obtain short-term funds on the mudharabah principle. The theory used is the theory relating to the Sharia Interbank Mudharabah Investment Certificate (SIMA), the Amount of Money Supply (JUB), and the theories that support this research. The method used in this study was started by obtaining data using documentation techniques through the official website of Bank Indonesia, www.bi.go.id, and the official website of the Financial Services Authority, www.ojk.go.id. Then processed with the help of SPSS Version 23. The test used to prove the hypothesis is a partial test (t test) and the coefficient of determination (R2). Partial test results (t-test) can be concluded that the variable Interbank Sharia Mudharabah Investment Certificate (SIMA) affects the Amount of Money Supply (JUB), seen from the tcount t table = 1.67655. Based on the Adjusted R square value of 0.490 or 49% this shows that the variable Interbank Sharia Mudharabah Investment Certificate (SIMA) affects the variable Amount of Money Supply (JUB). While the remaining 51% is influenced by other variables not discussed in this study.
HANDLING OF PROBLEMATIC FINANCING ON THE MURᾹBAḤAH CONTRACT AT PT. BANK SYARIAH MANDIRI SIBOLGA BRANCH OFFICE NOFINAWATI nofinawati; muhammad wandisyah; kharisma kharisma
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6430

Abstract

This research is motivated by the large number of customers who have had problems with murābaḥah contracts from 2015 to 2018. In 2015 there were 329 people, in 2016 it decreased to 251 people. But in 2017 the number of problem financing customers increased to 295 people and in 2018 there were 343 people. The formulation of the problem in this study is twofold, firstly what are the factors that cause financing problems in the murābaḥah contract at PT? Bank Syariah Mandiri Sibolga Branch office with the aim of research to find out the factors that cause financing problems in the murābaḥah contract at PT. Bank Syariah Mandiri Sibolga Branch Office. Secondly, how to deal with problematic financing in the murābaḥah contract at PT. Bank Syariah Mandiri Sibolga Branch office with the aim of research to determine the handling of problem financing in the murābaḥah contract at PT. Bank Syariah Mandiri Sibolga Branch Office. This research is qualitative research, the data source used is primary data and secondary data. Data collection techniques used were interviews and documentation. The results showed that the factors causing problematic financing at Bank Syariah Mandiri Sibolga Branch Office were caused by two factors namely, internal factors which consisted of weak analysis, lack of supervision of the flow of funds, and disorderly administration. And external factors consist of customer lifestyle, bad faith, declining business conditions, and business competition. Handling problematic financing is done by billing via telephone and direct billing to the place of the customer. Then the other way is by restructuring which consists of three stages, namely rescheduling, reconditioning, and restructuring and the last way is by carrying out a guarantee execution.

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