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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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KUALITAS LAYANAN, KESADARAN MEREK, DAN ANALISIS PENGARUH MENGHORMATI KEPUTUSAN UNTUK MENGGUNAKAN LAYANAN PERBANKAN SYARIAH (STUDI KASUS NASABAH BANK MUAMALAT INDONESIA M Guffar Harahap; Veri Pramudia; Rahmadani Rahmadani
Journal Of Sharia Banking Vol 4, No 1 (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.v4i1.8003

Abstract

All religious communities around the world support the current Islamic banking system. The first Islamic bank in Indonesia is Bank Muamalat Indonesia. Bank Muamalat Indonesia has made various efforts to attract potential customers to use its services, such as offering a variety of services that can help them conduct financial transactions. However, despite having a wide range of services, Bank Muamalat Indonesia is still unable to compete in the Islamic savings market. This research aims to develop a conceptual model to explain how service quality, brand awareness, and religiosity can influence purchasing decisions. Previous research also found inconsistent results between service quality, brand awareness, and religiosity on purchase decisions made to Bank Muamalat Indonesia Semarang City customers. This research involved 104 respondents who were customers of Bank Muamalat Indonesia who lived in Semarang City. Data was collected through questionnaire methods that were shared online and offline. Next, the data was analyzed quantitatively using Multiple Linear Regression Analysis. This is done using the SPSS program version 24. The results showed that religiosity, brand awareness, and service quality have a good and significant influence on consumers' decisions to buy something. In addition, the study found that religiosity has the most influence on consumers' decisions to buy something. Therefore, all hypotheses related to this study are recognized.
ANALYSIS OF THE DEVELOPMENT UNDERSTANDING OF THE PEOPLE BATANG TORU SUB-DISTRICT ABOUT SHARIA PAWNSHOPS Aisyah Budi Harahap
Journal Of Sharia Banking Vol 4, No 1 (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.v4i1.8173

Abstract

The purpose of this study is the first, show the understanding of the people of Batang Toru District towards PT. Sharia pawnshop, the second is what causes the people of Batang Toru District not to use PT. Sharia Pawnshop. This type of research is qualitative research, the collection of research data is carried out by conducting observations, interviews, and documentation with research objects in Batang Toru District in South Angkola District.Based on the research obtained as follows. First, the understanding of the people of Batang Toru District towards PT. Sharia pawnshops, most of the people in the Batang Toru sub-district already know Sharia pawnshops, but the community only knows not by understanding them. The people of Batang Toru District still mostly think that at PT. Sharia pawnshops are only for pawning. The second reason people do not use Sharia pawnshops is because of the lack of understanding of the people of Batang Toru District about PT. Sharia pawnshops and lack of promotion by distributing brochures and socialization from Sharia pawnshops to the people of Batang Toru District, South Tapanuli Regency.
IMPLEMENTATION OF HUMAN RESOURCE MANAGEMENT BASED ON ISLAMIC VALUES AT PT BANK SUMUT SYARIAH BRANCH PADANGSIDIMPUAN Nursaima Harahap
Journal Of Sharia Banking Vol 4, No 1 (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.v4i1.8183

Abstract

This study aims to determine the impact or effect of human resource management based on Islamic values on PT Bank Sumut Cabang Syariah Padangsidimpuan. This research is descriptive qualitative research. The subjects of this study were branch leaders, deputy branch leaders, and 10 employees of PT Bank Sumut Cabang Syariah Padangsidimpuan. Data collection techniques are obtained from observations, interviews, and documentation. And the data processing and analysis techniques are using data reduction, data display, and conclusions. Based on the results of research conducted by researchers, human resource management based on Islamic values at PT Bank Sumut Syariah Branch Padangsidimpuan is in accordance with Islamic values, which include creed values, sharia values, and moral values.  The impact or effect after the implementation of human resource management in accordance with Islamic values is found in the company's work culture, human resource management processes, and employee productivity and bonafficity.Keywords: Implications, Human Resource Management, Islamic Values
ANALISIS PRODUK PEMBIAYAAN ARRUM BPKB DALAM MENINGKATKAN USAHA MIKRO NASABAH Awaluddin, Awaluddin; Eka, Novianti
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.v4i2.8855

Abstract

This research is motivated by the problems of micro-entrepreneurs who have limited capital to improve the business they are running. These problems can result in delays in business development.  Then look at the increase in business being run by micro customers after receiving Arrum BPKB financing at PT Pegadaian Syariah Alaman Bolak. The indicators used as measurements of increasing a business are business assets, business income, and workforce. The formulation of the research problem is the background of the community using BPKB arrum product services, then the mechanism for BPKB arrum financing products at PT Pegadaian Syariah Alaman Bolak, and increasing customer micro businesses after obtaining BPKB arrum financing at PT Pegadaian Syariah Alaman Bolak. The theory presented in this study relates to financing products, financing functions, financing as a tool of international relations, BPKB arrum, benefits and terms of financing BPKB arrum, and micro-enterprise theory along with MSME criteria. This research is a qualitative research with a descriptive method of data sources used are primary data and secondary data.  While the data collection techniques of this study were interviews, observation and documentation, the sampling technique used purposive sampling and snowball sampling. The results of this study concluded that after customers received Arrum financing, the average customer profit increased per month above the initial capital of the customers. Of the 10 customers who did Arrum financing at PT Pegadaian Syariah Alaman Bolak, their profits increased.  They use Arrum's financing funds for business capital and not for consumptive needs, while they use the profit from the sale of their business for future needs. they are limited working capital, in addition to that, human resource management also needs to be improved because the average entrepreneur's education is a high school graduate.  it can be concluded that Arrum's financing has a major influence on micro entrepreneurs, especially for lower and middle micro entrepreneurs.
OPERATIONAL RISK ANALYSIS OF INDONESIAN SHARIA BANK OLD MOUNTAIN KCP Wanda Khairani; Maria Kutbiah; Sarmiana Batubara; Adanan Murroh
Journal Of Sharia Banking Vol 4, No 1 (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.v4i1.8369

Abstract

Operational risk is one of the risks that must be faced by every financial institution, including Bank Syariah Indonesia (BSI) KCP Gunung Tua. Operational risk is faced by all banks because running a bank's business cannot be separated from the human factor, service procedures, administrative processes, and so on. With the emergence of operational risk, there must be causes. The operational risk can cause the bank to lose money which is caused by several factors, namely first, failure in internal processes related to procedural failures. Second, system failure, the main risk to operations due to the bank's increasing dependence on technology. Third, external events, external factors come from matters beyond the control of the bank which also affect the company's operational performance. This study used a qualitative research method with a descriptive approach, the data sources obtained were primary data and secondary data, which were obtained through interview methods, observation methods, documentation methods and data analysis methods.From the results of this study it can be seen that operational risks that occur at BSI KCP Gunung Tua occur due to internal risks such as incorrect checking of counterfeit money, human resource risks such as atk carried by customers, system risks, namely systems that are down and will always occur every year, risks law such as loss of customer guarantees, as well as external risks such as the Covid-19 disaster. The BSI KCP Gunung Tua continues to improve its risk management in order to reduce operational risks that occur. The method used by BSI KCP Gunung Tua to overcome operational risks that occur is by focusing on these 2 factors, optimizing controlling for all employees (internal) and also optimizing controlling for customers (external). It can be seen from the management that has been implemented quite well, it can be seen that the operational risk at BSI KCP Gunung Tua is now reduced. The current operational risk is only because the system is down and that is now only once a year. And the risk because of covid-19 has reduced.
PENGARUH LIABILITAS DAN EKUITAS TERHADAP PERTUMBUHAN BRI SYARIAH TAHUN 2016-2020 Khairani, Wanda; Syah, Rahmat; Vebrina, Dinda
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.v4i2.8858

Abstract

Companies are generally established with the aim of making a profit. Profit growth is influenced by the provision and use of capital properly. If this goes well, it will be able to maximize the profits earned by the company. The company's capital comes from two sources, namely external sources (as liabilities) and internal (as equity). The formulation of the problem in this study is whether there is a partial and simultaneous effect of liabilities and equity on BRI Syariah profits in 2016-2020. This study aims to determine the effect of liabilities and equity partially or simultaneously on BRI Syaraiah's profits in 2016-2020. This type of research is a quantitative research with data sources used are secondary data taken through the website www.brisyariah.co.id as many as 58 samples. The data analysis technique used is descriptive statistical test, normality test, classic assumption test, hypothesis testing and multiple linear regression analysis using SPSS version 23. The partial results of the study (t test) state that the liability variable has tcount ttable (2.328 1.674) and a significance value (0.024) 0.05, so it can be concluded that the liability variable affects earnings. However, the equity variable has tcount ttable (-1.016 1.674) and a significance value (0.314) 0.05, it is concluded that equity has no effect on earnings. The results of the study simultaneously (F test) stated that the liability variable and equity variable had an effect on profit, by comparing Fcount Ftable (3.282 3.17). Based on the results of the coefficient of determination it is known that the value of Adjusted R Square has a value of 0.131 or 13.1%. The Adjusted R Square value shows that the liabilities and equity variables affect profit by 0.131 or 13.1% and the remaining 0.869 or 86.9% is influenced by other variables not discussed in this study.
ANALYSIS OF THE INFLUENCE OF SHARIA BANKING LITERACY AND SERVICE QUALITY ON BECOME DECISIONS SHARIA BANK CUSTOMERS Rahma Hayati; Gusnia Rahayu; Kubota Tariq
Journal Of Sharia Banking Vol 4, No 1 (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.v4i1.8372

Abstract

This research was conducted at the Darul Al-Ikhlas Modern Islamic Boarding School and the sample of this study was educational staff. The background of the problem in this study is based on the theory of Islamic banking literacy increases, the decision to become a customer will also increase and the quality of service increases, the decision to become a customer will also increase. But the phenomenon in the field in this study is a pesantren-based school but there are still educational staff who still use conventional banks. The theory used in this study is the theory of Islamic banking literacy, service quality and decision making to become a customer of Islamic banks. The theory discussed by researchers is related to the field of Islamic banking and consumer behavior. This theoretical approach is also related to the problem under study, namely Islamic banking literacy, service quality and the decision to become an Islamic bank customer in Darul Al-Ikhlas Islamic boarding school education staff and other theoretical supporters. This type of research used is quantitative research. The samples used in this study were 41 samples with saturated sample technique. Data analysis techniques used validity test, reliability test, normality test, classic assumption test namely multicollinearity test, heteroscedasticity test, and autocorrelation test while hypothesis testing included t test and F test, R2 determination coefficient test and multiple linear regression analysis. The results of this study indicate that Islamic banking literacy has a positive effect on the decision of educational staff to become Islamic bank customers at the Darul Al-Ikhlas modern Islamic boarding school. Service quality has a positive effect on the decision of educational staff to become customers of Islamic banks at the Darul Al-Ikhlas Islamic boarding school. Simultaneously, Islamic banking literacy and service quality influence the decision to become a customer of an Islamic bank. .  
PERBANKAN SYARIAH DALAM KEWIRAUSAHAAN: PENGARUH KURSUS PEMBELAJARAN KEWIRAUSAHAAN TERHADAP KEMAMPUAN ALUMNI Sari, Purnama; Aminah, Rika
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.v4i2.8857

Abstract

The problem in this research is motivated by the large number of unemployed graduates printed by tertiary institutions, including alumni of Islamic banking study programs.  Many college graduates have the mindset of job seekers not job creators and do not understand and are able to manage a business and there are still doubts about starting a business indicating that the ability to manage a business or expertise has not been fully formed so the formulation of the problem in this study is whether there is influence  learning entrepreneurship courses on the ability of alumni of Islamic banking in entrepreneurship and aims to determine the effect of learning entrepreneurship courses on the ability of alumni of Islamic banking in entrepreneurship.  The theory in this study relates to the field of entrepreneurship.  In this regard, the approach taken is theories related to learning entrepreneurship courses, indicators of entrepreneurship learning, entrepreneurial abilities and indicators in entrepreneurship.  This research is a quantitative research, data sources used are primary and secondary data, data analysis used is validity test, reliability test, basic assumption test (normality test, linearity test), hypothesis test (coefficient of determination test (R²), partial test  (t) and simple linear regression test using a statistical tool, namely SPSS version 23. Based on the results of the t test research on the Entrepreneurship Course Learning variable has an effect on the Ability of Islamic Banking Alumni in Entrepreneurship, this is evidenced by a significance value of 0.1 with 0.000  0.1, then Ha is accepted then the results of a simple linear regression analysis of the variable learning entrepreneurship courses with a constant value of 0.684 and the coefficient value of the variable learning entrepreneurship courses is 0.684.
Understood or Forced: Reviewing Lecturers' Interest in Saving in Islamic Banks Kurniasih Setyagustina; Nur Khasanah; Ahmadi Ahmadi; Winahyu Dwi Suhitasari; Rina Nurarifah
Journal Of Sharia Banking Vol 4, No 1 (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.v4i1.8583

Abstract

Understanding Islamic banking can be applied properly but has not fully positively influenced the intention to save in Islamic banking. Lack of interest and customer trust in Islamic banking to save in Islamic banking so there is a need for socialization of Islamic banking knowledge itself, both regarding understanding, of products, principles, and contracts used by parties from Islamic banks. In addition, some opinions also state that it is normal for lecturers at Islamic religious colleges to save in Islamic banks because they are required to open savings accounts to receive their salary through Islamic banks. Based on the description of the problem, the researcher is interested in conducting further research to prove whether the understanding of Islamic banking on lecturers' interest in saving in Islamic banking can maximize or have a positive effect on saving or not saving in Islamic banks. The discussion of this research relates to the field of science in connection with that the approach taken in theories related to understanding and interest. This research is quantitative. The samples used in this study were 34 lecturers. Data collection techniques used are interview techniques, distributing questionnaires, and documentation. The analysis technique of this research uses a validity test, reliability test, normality test, linearity test, classical assumption test, simple linear regression test, and hypothesis test with the help of SPSS version 26 software. The results of the study show that lecturer knowledge influences people's interest in saving at Islamic banks. This of course can prove that Indonesian Islamic banks have a place in the hearts of lecturers, not only because of the obligation to open an account at an Islamic bank to get a salary as a lecturer.
THE EFFECT OF KNOWLEDGE ON VOTING INTEREST PRODUCTS PT. MANDIRI SHARIA BANK PADANGSIDIMPUAN rusdi -; armyn hasibuan; damri batubara
Journal Of Sharia Banking Vol 4, No 1 (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.v1i1.6328

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 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

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