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Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah

isbank
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Published by Sekolah Tinggi Ekonomi dan Bisnis Syariah Indo Global Mandiri Palembang

ISSN : 24609595 EISSN : 26865149 DOI : https://doi.org/10.36908/isbank

Core Subject : Economy, Humanities, Science, Education, Social,

Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah is an open access peer-reviewed online journal that provides a forum for sharing scientific studies on Islamic economics and banking. Editors welcome articles and research reports that address current issues such as: sharia economics, sharia business, sharia banking and sharia management.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 189 Documents

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The Effect of Financial Performance On The Price Earning Ratio (PER) And Its Implications For Stock Prices (Study On Companies Listed On The Idx In 2018–2021) Aris Munandar; Harsi Romli; Havis Aravik; Edward Tember Saut Halomoan Simatupang
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 2 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v9i2.1061

This research was conducted on 486 issuers that have gone public on the Indonesian Stock Exchange (BEI). This research aims to determine the influence of financial performance on the Price Earnings Ratio (PER) and its implications for stock prices in the period 2018–2021. The analysis technique uses panel data regression, and data processing uses the EViews application. The results of the research illustrate that the NPM variable has a significant positive effect on PER; if NPM increases by 1%, it will be able to increase PER by 0.055 times, while the ROA and DAR variables have an insignificant negative effect on PER; if ROA increases by 1%, it will be able to reduce PER by 0.020 times, and the same applies to DAR; if DAR increases by 1%, it can reduce PER by 0.0090 times. Independent variables (ROA, NPM, and DAR) simultaneously influence PER. Based on the adjusted R-squared, the three independent variables affect a PER of 81.70%. The PER variable has a significant positive effect on share prices. If PER increases by 1 time, it will increase the share price by IDR. 0.000722. Based on adjusted R-squared, PER has an effect of 99.9% on share prices.

The Influence of the Marketing Mix on the Interests of Customers Using Murabahah's Financing Products Riri Hanifa; Teuku Muhammad Haqiqi
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 2 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v9i2.1064

This study is intended to analyze the effect of product, price, location, and promotion on customer interest in utilizing murabahah financing at Bank Syariah Indonesia KCP Sungai Lilin. This research is a quantitative research method, and data dissemination is done by distributing questionnaires. The sample in this study was 100 respondents, so this questionnaire was distributed to 100 respondents. The technique of collecting data in this study used an accidental random sampling technique, namely the technique of determining the sample by selecting respondents randomly but with certain criteria that must represent the population to be studied. As for the collection of primary data used by researchers, it was obtained from questionnaires distributed to respondents. Furthermore, the collected data were analyzed using multiple regression analysis with the help of the SPSS version 26. The results of this study indicate that product and price partially have a positive and significant effect on customer interest, while location and, promotion do not have a positive and significant effect on customer interest. Simultaneously, the product, price, location and promotion variables together have a positive and significant influence on customer interest in utilizing murabahah financing at Bank Syariah Indonesia KCP Sungai Lilin. Keywords : Product, Price, Location, Promotion, Customer Interest

Actualization the Role of Women in Implementing the Green Economy to Improve Community Welfare Suprianik Suprianik
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 2 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v9i2.1065

This research aims to analyze the actualization of women's roles in implementing the green economy concept through waste management to improve community welfare. To answer this objective, a qualitative research design was used with data collection methods using interviews and documentation. The research results show that the green economy concept can have a positive impact on community welfare. By implementing a sustainable approach that emphasizes reduction, recycling and efficient use of resources, we can create new jobs and reduce negative impacts on the environment and improve the quality of life of society as a whole. Apart from that, waste management that prioritizes green aspects can also generate additional sources of income for women through the sale of recycled materials. Thus, actualizing the role of women in implementing the green economy concept not only prioritizes environmental sustainability, but also provides benefits for family welfare and community life.

Dynamics of Development of Islamic Marketing Research: A Bibliometric Review Based on Scopus Data, 1998 - 2023 Roudlotul Badi'ah; Dadang Wiratama; Ika Purwanti; Muhammad Dzikri Abadi
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 2 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v9i2.1066

Islamic marketing is not just a trend but a global phenomenon that continues to grow. By focusing on Islamic values, product and service diversification, and the use of technology, Islamic marketing can bring positive change to the business world and Muslim society. This research analyzes publication performance, main themes, and trends in Islamic marketing literature. This research utilizes quantitative descriptive methods with a bibliometric approach. Data sources were obtained from the Scopus database and analyzed using VOSviewer and Biblioshiny software. Findings show 274 research documents on Islamic marketing in the Scopus database during the 1998-2023 period. Malaysia and the International Islamic University Malaysia are the most active in publishing this research. Many publications regarding Islamic marketing focus on the Journal of Islamic Marketing and the disciplines of Business, Management, and Accounting. Over the last 25 years, Islamic marketing research in the Scopus database has emphasized aspects of Islamic marketing among Muslim consumers. The latest research opportunities in Islamic marketing include halal markets, halal tourism, Islamic hospitality, Islamic market segmentation, and Muslim consumers.

The The Implementation of Sharia Pawn To Conform To The Guidance of The Qur'an And As-Sunnah Uses The Instructions And Limitations of Al Qawa'id Al-Fiqiyyah Ian Rakhamawan Suherli; Fauzan Januri; Ishandawi Ishandawi; Nanang Sobarna
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 2 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v9i2.1068

The progression of time is inevitable, including all manifestations of dispute, particularly in economics, which encompasses a diverse range of transactions, including pawn transactions. To ensure that pawning aligns with Islamic teachings, examining the pawn procedure's legal aspects through the principles of fiqh is imperative. This paper discusses the four principles of fiqh: asasiyah (fundamental), furu'iyah (branch), kulliyah (general), and khasasi (specific). These principles can be employed in sharia pawn (rahn) practice. Fiqh asasiyah, similar to the principles of maslahat, prioritizes the promotion of benefit and justice in rahn. The comprehensive regulations of furu'iyah can facilitate the implementation of Islamic law in rahn. The regulations governing the terms and conditions of rahn are addressed in the kulliyah rules. At the same time, the khasasi law focuses on specific provisions concerning rahn, such as the types of products that can be used as collateral. The topic encompasses fifteen fiqh laws of rahn, which regulate the pillars, conditions, and regulations of rahn. The principles of fiqh are crucial in ensuring that the implementation of rahn aligns with Islamic sharia and effectively addresses the contemporary challenges associated with rahn due to societal advancements. This text employs descriptive analysis, incorporating prior studies' literary evaluations and data from reference works that delve into sunnah, hadith, pawn, and fiqh rules. By understanding the rules of fiqh, pawning practices can be in accordance with sharia and implemented by companies and individuals in the contemporary era without worrying about usury contamination.

Knowledge of Usury, Perceived Ease of Use, Perceived Usefulness And Religiosity of The Voting Community BPR In Bukittinggi City Nirwan Saputra; Asyari Asyari
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 2 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v9i2.1071

This study aims to find out how much influence knowledge about usury, perceived ease of use, perceived usefulness and religiosity of urban people choose BPRS in Bukittinggi City. This form of research is quantitative correlational. The population in this study is BPRS customers in Bukittinggi City with a population of 26,695 customers. In this study, a sample of 162 respondent customers. Furthermore, the determination of sampling is carried out by purposive sampling method. The criteria used in this study are the Muslim community of Bukittinggi City and become BPRS customers in Bukittinggi City. The analysis of this study used WarpPLS 5.0. The results showed that the variable Knowledge About Riba had a significant positive effect on Choosing BPRS with a significant value of 0.01 < 0.05. The variable Perceived Ease Of Use has a significant positive effect on Choosing BPRS with a significant value of 0.01 < 0.05. Perceived of Usefulness has a positive insignificant effect on Choosing BPRS with a significant value of 0.10 which means >0.05. and Religiosity has a positive and significant effect on Choosing BPRS with a significant value of 0.01 < 0.05. The results showed that Knowledge of Riba contributed to choosing BPRS by 0.89 (89%). Perceived Ease Of Use has a contribution to Choosing BPRS of 0.79 (79%). Perceived of Usefulness has a contribution value of 0.02 (2%). Religiosity has a contribution to choosing BPRS of 0.70 (70%).

Good Corporate Governance In The Perspective Of Communication Ethics At Bum Desa Mandiri Sakti Grenggeng Kebumen Umi Arifah; Muhammad Fajrul Hakim; Putri Rahmawati; Sidik Fajar Pratama
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 2 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v9i2.1074

Research conducted on the Implementation of Good Corporate Governance in the Perspective of Communication Ethics at BUM Desa Mandiri Sakti Grenggeng, Karanganyar, Kebumen. The research objectives are as follows: 1) analyze the implementation of Good Corporate Governance at BUM Desa Mandiri Sakti Grenggeng; 2) analyze Good Corporate Governance from the perspective of communication ethics at BUM Desa Mandiri Sakti Grenggeng. This research uses qualitative research methods by collecting data through interviews, documentation, and observation. Research data analysis was carried out using Data Analysis Procedure by Application (DAPA), namely Atlas.ti as qualitative analysis with high visualization features. The research results show that BUM Desa Mandiri Sakti Grenggeng in its implementation uses the principles of accountability, responsibility, transparency, fairness, and independence. The communication ethics applied are communication ethics from a human perspective, a situational perspective, and a dialogic perspective.

The Effect of Operating Cash Flow And Dividend Payout Ratio On Stock Returns of PT. Mayora Indah Veronica, Meilin; Coyanda, John Roni
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.950

Dividend payments that tend to decline in food and beverage industry companies on the Indonesia Stock Exchange have an impact on company performance, which will be reported in the form of financial reports published annually. Financial reports have an important role in reducing the negative view of dividends in investment. This study aims to analyze the effect of operating cash flow and dividend payout ratio on stock returns at PT Mayora Indah Tbk for the period 2018–2021. The research method used is quantitative data with a population of 24 food and beverage subsector companies listed on the Indonesia Stock Exchange and a sample of 1 company with purposeful sampling analysis. The results of the study prove that operating cash flow has no significant effect on stock returns and dividend payout ratio has a significant effect on stock returns, and simultaneously, the operating cash flow and dividend payout ratio variables affect the stock returns of PT Mayora Indah Tbk for the period 2018–2021. This research is a material consideration and input for companies in carrying out policies that can affect stock returns in the company.

The Influence of Perceptions of Religiusity, Perceptions of Ease To Use And Perceptions of Benefits of IAIN Metro Students On Purchase Decisions Using Shopee Paylater Credit Chaerani, Cahya; Umpusinga, Hasrun Afandi
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1083

The purpose of this research is to determine the influence of perceived religiosity, perceived convenience and perceived benefits of IAIN Metro students on purchasing decisions using Shopee Paylater credit. This research uses quantitative methods with descriptive statistics and primary data sources by distributing questionnaires using a Likert scale. The population of this research is active even semester students at IAIN Metro for the 2022-2023 academic year. The sample in this study was 98 respondents. The data that has been obtained is then processed using the SPPS version 25 application. The results of this research in the t test, the calculated value of the Perception of Religiosity variable is -1,500 ≤ 1,661, meaning that there is no influence of Perception of Religiosity on Purchasing Decisions using Shopee Paylater. The t-count value for the Perception of Ease variable is 3,157 ≥ 1,661, meaning that there is an influence of Perception of Ease on Purchasing Decisions using Shopee Paylater. The calculated value for the Perception of Benefits variable is 6,584 ≥ 1,661, meaning that there is an influence of Perception of Benefits on Purchasing Decisions using Shopee Paylater. In the F test, the results obtained were that the value of Fcount > Ftable, 40,597 > 2,703, meaning that there was a significant simultaneous influence between the variables Perception of Religiosity, Perception of Convenience and Perception of Benefits on Purchasing Decisions using Shopee Paylater. Then the R2 test obtained a result of 0,550 or 55%.

The Progressiveness of Islamic Financial Regulations In Encouraging The Growth of The Halal Ecosystem In The Digital Era Hidayanto, Bani Idris; Gustanto, Edo Segara; Rahmawanti, Intan Nur
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1120

The Islamic financial digitalization program is supported by several regulations both from laws and regulations, POJK No. 13/POJK.02/2018, Fatwa DSN-MUI No. 117 of 2008 concerning Technology-Based Financing Services based on Sharia Principles. This research applies a method in the form of literature research with a qualitative description approach. The purpose of this research can be used as a reference for the development of knowledge to comprehend the benefits of sharia economic law and as an effort to expand understanding related to the development of sharia financial regulations. The results of this research discussion is devided into two, the first one is that the development and progressivity of Islamic financial regulations in Indonesia is quite good, but still passive, the regulations which are less responsive in responding product developments in this digital era. Some regulations are still regulated in old regulations that have not shown digitalization in Islamic finance. Besides that, regulations are still spreading in various regulations and still no address for this subject matter specifically. The second, with the advancements in Islamic financial regulation, the halal ecosystem can thrive in the digital era. This will support the sustainable economic growth, the increase of financial inclusion, and provide Sharia-compliant financial solutions for an increasingly digitally connected global society.

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Ahmad Tohir

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Home Page

OAI Link

Editorial Team

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Reviewer

Google Scholar

Contact Name Ahmad Tohir

Contact Email isbank@stebisigm.ac.id

Phone +6281315545733

Journal Mail Official isbank@stebisigm.ac.id

Editorial Address Jl. Jend. Sudirman KM.4 No.629, 20 Ilir D. IV, Kec. Ilir Tim. I, Kota Palembang, Sumatera Selatan 30129

Location Kota palembang, Sumatera selatan INDONESIA

Abstract

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Contact Name
Ahmad Tohir

Contact Email
isbank@stebisigm.ac.id

Phone
+6281315545733

Journal Mail Official
isbank@stebisigm.ac.id

Editorial Address
Jl. Jend. Sudirman KM.4 No.629, 20 Ilir D. IV, Kec. Ilir Tim. I, Kota Palembang, Sumatera Selatan 30129

Location
Kota palembang,

Sumatera selatan

INDONESIA