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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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Analysis of Legal Studies on The Implementation of Qardh Bisyarti Rahni Products At KSPPS BMT USA Jepara Rokhimah, Rokhimah; Ansori, Miswan
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.v10i1.1229

This study aims to analyze the legal review of the implementation of the Qardh Bisyarti Rahni product at KSPPS BMT USA Jepara. In addition, this study is expected to provide a better understanding of the efforts that need to be made to ensure legal compliance and operational sustainability of Islamic microfinance institutions. Qardh Bisyarti Rahni is one of the Islamic financial products implemented in Islamic microfinance institutions, which provides usury-free financing for the community. This study is important to ensure that the implementation of this product is in accordance with Islamic principles and does not violate applicable legal provisions. The approach used in this study is qualitative with a case study method. Data were collected through observation, interviews, and analysis of related documents. The results of the study indicate that the implementation of the Qardh Bisyarti Rahni product at KSPPS BMT USA Jepara has complied with applicable legal provisions and Islamic principles. However, there are several challenges that need to be considered, such as a lack of in-depth understanding of the legal aspects of Islamic law and changes in regulations related to Islamic finance.

Pattern of Sharia Compliance In KSPPS In Pekalongan City (Analysis of Constraints And Solutions To The Deed of Financing) Tarmidzi, Tarmidzi; Inayati, Anindya Aryu; Mulyawisdawati, Richa Angkita; Yaqin, Alamul
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1184

This research aims to find out, how is Sharia Compliance KSPPS in Pekalongan City, and the factors causing it in Pekalongan City? The method and approach in this study is a qualitative approach. The qualitative approach is an approach method by capturing social phenomena in the community to be further described in the form of a narrative by revealing the results of the arrests as they are. The results of this research are as follows: first; Sharia compliance discusses the entire process starting from socialization, distribution or application to completion of settlement, in general it has implemented compliance in accordance with sharia principles, although some aspects have not been met. Second; There are patterns of sharia non-compliance from a number of instruments in financing at KSPPS based on three patterns of influence, a) educational perspective: DPS at KSPPS in Pekalongan City still do not have a DPS certificate, customers or members who do not understand and understand clearly related to contracts in sharia financing, managers who do not have an understanding of sharia (muamalah). b) rational perspective: conventional banking facilities and technology are more sophisticated when compared to Islamic banks, the non-applicability of reporting systems and profit sharing in accordance with Islamic principles and Islamic accounting, because they are considered too complicated and difficult for customers. c) the emotional perspective of Muslims who make choices in KSPPS for religious reasons is still small compared to rationality reasons, so they choose conventional banks.

Acceptance And Use of E-Wallet Top-Up Feature Through Mobile Banking of Bank Syariah of Surakarta Muslim Society: UTAUT 2 Approach Nurohman, Yulfan Arif; Qurniawati, Rina Sari; Anggraini, Vivin Puji
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1303

This study aims to identify factors that influence e-wallet top up via mobile banking at Islamic banks for Muslim communities in Surakarta using the UTAUT 2 approach. This study uses a quantitative approach to test and validate the formulated hypotheses. The population of this study were mobile banking users of Islamic banks in the Surakarta area. The sample determination was carried out using a purposive sampling technique, while the respondent criteria were Muslim communities in Surakarta City who had utilized mobile banking services at Islamic banks to top up e-wallets Data collection using questionnaires distributed to 150 Islamic bank customers. The data analysis technique used in this study was the Partial Least Squares (PLS) method which was carried out using SmartPLS software. The results showed that performance expectancy had an effect on behavioral intention, while other variables adopted from UTAUT 2 had no effect on behavioral intention. The contribution of the research findings indicates a shift in consumer preferences and behavior in using digital-based services.

Differences In ESG Values Between Indonesia And Singapore Fadilla, Fadilla; Adam, Mohammad; Isnurhadi, Isnurhadi; Yuliani, Yuliani
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1321

This study attempts to prove whether there is a difference between the ESG (Environmental , Social and Governance) Score values of companies that have gone public in Singapore and Indonesia. To prove this, we tested it with a Statistical analysis, namely the Difference Test in statistical terms, the Paired t-test. If the Significance value is less than 0.05, there is a difference, otherwise there is no difference. The result of the difference test in this study is 0.00, which means there is a difference between the ESG scores of Indonesia and Singapore.

Strengthening Sharia Banking Knowledge Through Educational Initiatives: A Descriptive Qualitative Study Fitri Indriani, RA Rodia; Marsinah, Marsinah; Marisya, Fitria
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1351

This study aims to analyze the role of Sharia education in improving Sharia banking literacy among students and students through a descriptive qualitative approach. Data was collected through in-depth interviews, observation of learning activities, and analysis of learning documents, such as modules and activity reports. The study results show that Sharia education strategically strengthens students' understanding of the main concepts of Islamic banking, such as mudharabah, murabahah, and ijarah. Practice-based teaching methods, digital media integration, and banking simulation programs have effectively increased Islamic banking literacy. However, the main challenges are limited learning resources and access to Islamic financial institutions. This study provides academic contributions in mapping effective strategies in Sharia education and recommends collaboration between educational institutions and Sharia finance practitioners to overcome these obstacles

The Influence of Financial Performance And Corporate Governance On Green Banking Disclosure In Sharia Commercial Banks Putri, Orsita Asmu; Putri, Rizky Nur Ayuningtyas
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1352

Islamic commercial banks do not fully disclose their green banking practices in sustainability reports, with an average disclosure covering only 40% of environmentally friendly activities. This study aims to analyze the impact of financial performance and corporate governance on green banking disclosure in Islamic commercial banks in Indonesia from 2020 to 2023. Data were obtained from annual reports, GCG reports, and sustainability reports of seven banks selected using a purposive sampling approach. Statistical data analysis was conducted using Eviews 10. The results indicate that green banking disclosure is significantly influenced by ROA, CAR, the board of directors, and the Sharia supervisory board simultaneously. Partially, ROA has a negative effect, CAR and the board of directors have a positive effect, while the Sharia supervisory board has no effect on green banking disclosure.

The Moderating Effect of Competency on the Influence of Work Environment and Behavioral Integrity on Work Performance of State Civil Servant Employees at Lubuklinggau Environmental Service Effendi, M.; Azhar, Rudi; Rabeta, Yulpa
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1414

This research examines the moderating effect of competency on the relationship between work environment and work performance of Lubuklinggau Environmental Service employees who were members of the State Civil Service (ASN). Finding out how much impact employee competence has on the correlation between these two factors and output is the main objective of this research. This research used a quantitative approach by collecting data through questionnaires. Lubuklinggau Environmental Service staff from ASN were used as research samples. To test the research hypothesis, we used moderation analysis and multiple regressions. Employee performance was positively influenced by the work environment and behavioral integrity, according to the research. In contrast, the relationship between workplace integrity, employee performance, and behavioral integrity was influenced by the employee's skill level. Organizational management should pay attention to the work environment, behavioral integrity, and the need to develop employee competency in order to improve the performance of ASN workers. These results were very important in this regard. With luck, this research will increase knowledge about public sector human resource management and provide an idea of how ASN staff can work more efficiently.

The Role of Small And Medium Enterprises (UKM) In Improving Employee Welfare According To A Sharia Economic Perspective (Study On UKM CV. Bakso Ikan Cahaya Bahari Lampung) Febriyanto, Febriyanto; Ruslaini, Ruslaini; Sutopo, Heri
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1415

SMEs in Indonesia have an important role in economic development, especially in creating jobs and reducing unemployment. This research examines the role of UKM CV.Bakso Ikan Cahaya Bahari Lampung in improving employee welfare based on a sharia economic perspective. Welfare in Islam includes material and spiritual aspects, which are measured through decent wages, a comfortable working environment, and good relations between employees and management. This study uses a descriptive qualitative research method with semi-structured interviews with SME owners and managers. The research results show that these UKMs provide wages above the minimum wage, housing facilities, prayer rooms and food incentives, thereby helping to meet the basic needs of employees and their families. This UKM also implements a selective recruitment policy and provides a harmonious work environment. However, challenges such as managing employee loans are obstacles to improving welfare. Nevertheless, this UKM's commitment to sharia principles and employee welfare makes it a successful MSME model in providing positive social and economic impacts.

Women Entrepreneurship In Indonesia: Opportunities And Challenges Aravik, Havis; Hamzani, Achmad Irwan; Khasanah, Nur
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1422

Women's entrepreneurship is becoming a significant global phenomenon, with major contributions to economic empowerment, poverty alleviation, and promotion of gender equality. Internationally, women lead around 35% of small and medium-sized enterprises (SMEs) in Asia, with significant increases in income and participation. In Indonesia, women entrepreneurs play an important role in the growth of the SME sector, which accounts for around 60% of Gross Domestic Product (GDP). Policy support, training, and digital technology have expanded opportunities, although challenges such as gender bias, limited access to capital, and social stereotypes remain. This research uses a qualitative approach through a literature study to analyse the opportunities and barriers faced by women entrepreneurs. The results of the analysis show that digital technology and post-pandemic changes in work culture are creating new opportunities, while low digital literacy and access to finance remain key challenges. With the right strategies, women entrepreneurs can become key drivers of inclusive and sustainable economic development in Indonesia.

Enhancing Retirement Security Through Waqf-Backed Pension Funds: A Theoretical Perspective On Healthcare And Financial Sustainability Ubaidillah, Muhammad; Umma, I'ana; Wardhani, Armania Putri
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1423

This article examines the integration of waqf into pension schemes as a sustainable model to improve pension security and access to healthcare for retirees and their beneficiaries. The study investigates the potential of a waqf-based pension model to provide solutions to the financial and social challenges in pension systems. Efficiently managed waqf assets can provide a sustainable funding mechanism, ensuring stable income and healthcare support for retirees while reducing the financial burden on government-managed pension funds. The paper proposes a structured integration model where waqf funds complement pension schemes through defined benefit and defined contribution mechanisms, emphasizing financial sustainability and healthcare access. By balancing waqf management with long-term pension funds, this integration presents a transformative approach to social security, especially in Muslim-majority countries.

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Ahmad Tohir

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isbank@stebisigm.ac.id

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

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Sumatera selatan

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

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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Abstract

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Abstract

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