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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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PEMBIAYAAN UMKM, KINERJA BANK SYARIAH DAN PERTUMBUHAN EKONOMI DI INDONESIA Iwan Setiawan
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Sharia banks have an important role to do with the development of MSMEs and the economy in Indonesia. The share of sharia bank financing in MSMEs decreased beyond the minimum limit set. This study aims to look at the role of MSME financing on the performance of Sharia banks and economic growth in Indonesia. The study used monthly data for the period 2016-2019 with the two stage least square (TSLS) analysis method. The results of this study revealed that financing in MSMEs contributes greatly to the improvement of the performance (ROA) of Sharia banks. The financing of MSMEs of Sharia banks does not contribute directly to economic growth. The contribution of MSME financing to economic growth occurs through the role of profit (ROA) of Sharia banks. There is a two-way relationship and mutual influence between sharia bank profits and economic growth. The role of economic growth towards bank profits is greater than the role of sharia banks in economic growth. It is important to pay attention to the portion and quality of financing in MSMEs that can improve the performance of Sharia banks and at the same time boost economic growth in Indonesia.

THE IMPLEMENTATION OF SHARIA MARKETING TO INCREASE CUSTOMER SATISFACTION AT MUAMALAT BANK OF BANTUL BRANCH OFFICE Istiqomah Istiqomah; Richa Angkita Mulyawisdawati; Meriyati Meriyati
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

The development of Syariah banking in Indonesia was marked by the establishment of Syariah Banking in all parts of the region. However, it cannot be denied that many people think that there is no difference between Islamic Banking and Conventional ones. This is a challenge for Syariah Banks in Indonesia, including Bank Muamalat Indonesia, namely the first pure Syariah Bank which was established in 1991 in retaining customers through business undertaken an effort to provide customer satisfaction by products and services offered. This study aims to identify how the implementation of Syariah Marketing Characteristics and principles of the Muamalat Bank of Bantul Branch Office. This Research is a descriptive-analytic study using a qualitative approach. The data was obtained through an interview process with the Marketing Manager and direct observation of the research object. The results showed that both the characteristics and principles of Syariah Marketing had been implemented as a whole by the Branch Office of the Muamalat Bank of Bantul Branch Office in all aspects of marketing performance. Keywords: Syari'ah Marketing, Satisfaction, Customer, Bank Muamalat Indonesia

Strategi Pengembangan Produk Pembiayaan Dalam Upaya Peningkatan Kapasitas UMKM Pada BPRS UMMU di Bangil Pasuruan Nila Safira Ramadhanty; Renny Oktafia
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

This study aims to determine the strategy of developing financing products in an effort to increase the capacity of micro, small and medium enterprises (MSMEs) at Islamic people’s financing bank (BPRS) UMMU in Bangil Pasuruan. This type of research uses qualitative methods. Data sources used in this study are primary data and secondary data. Data collection techniques used were interviews and documentation. The results of this study ate the existence of BPRS UMMU in Bangil Pasuruan is very beneficial for the community especially thosr who have small an medium micro businesses because with the financing can help in terms of capital, increase the capacity to trade and help sustain the economy in Bangil Pasuruan.

Dari Konsep Ekonomi Islam Sampai Urgensi Pelarangan Riba; Sebuah Tawaran Ekonomi Islam Timur Kuran Havis Aravik; Achmad Irwan Hamzani; Nur Khasanah
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Islamic economic thought became increasingly prevalent with the birth of various schools of thought in Islamic economics. One of them is the critical alternative school that was pioneered by Timur Kuran. This research will discuss from Islamic economics to the urgency of prohibiting usury; an offer of the East Kuran Islamic economy. With the aim of knowing and analyzing the extent to which Eastern Kuran's economic thought made significant contributions to the development of contemporary Islamic economics. This research is a qualitative research with a library research approach and all data obtained were analyzed using descriptive analysis methods. The results of this study indicate that Timur Kuran is one of the pioneers of the Critical alternative school which critically studies various concepts of Islamic economics and banking. Various forms of economic thought such as from the concept of Islamic economics are none other than modern doctrines that offer alternatives to the economic systems of Capitalism and Socialism. The emergence of an Islamic economy was none other than political-cultural, with the largest contribution coming from Pakistanis, zakat is a more effective safety net than a secular redistribution system and the waqf system does not yet have the flexibility needed for efficient resource use, and the Qur'an prohibits the practice of usury which involves compounding the debt of a loan that is unable to make payments according to a predetermined schedule.

MAKNA KESEJAHTERAAN DALAM SUDUT PANDANG EKONOMI ISLAM Didi Suardi
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Makna Kesejahteraan dalam ekonomi syariah bertujuan mencapai kesejahteraan manusia secara menyeluruh, yaitu kesejahteraan material, kesejahteraan spiritual dan moral. Konsep kesejahteraan ekonomi syariah bukan saja berdasarkan manifestasi nilai ekonomi, tetapi juga nilai spiritual dan moral. Konsepsi kesejahteraan dan kebahagiaan (falah) mengacu pada tujuan syariat Islam dengan terjaganya 5 prinsip dalam maqashid syari’ah, yakni terjanganya agama (ad-ddin), terjanganya jiwa (an-nafs), terjanganya akal (al-aql), terjanganya keturunan (an-nasl) dan terjanganya harta (al-mal). Secara terperinci, tujuan ekonomi Islam dapat dijelaskan sebagai berikut: 1). Kesejahteraan ekonomi mencakup kesejahteraan individu, masyarakat dan negara, 2). Tercukupinya kebutuhan dasar manusia, meliputi makan, minum, pakaian, tempat tinggal, kesehatan, pendidikan, keamanan dan sistem negara yang menjamin terlaksananya kecukupan kebutuhan dasar secara adil, 3). Penggunaan berdaya secara optimal, efisien, efektif, hemat dan tidak mubazir, 4). Distribusi harta, kekayaan, pendapatan dan hasil pembangunan secara adil dan merata, 5). Menjamin kebebasan individu, 6). Kesamaan hak dan peluang, dan 7). Kerjasamaan dan keadilan.

DAMPAK PEMBIAYAAN MURABAHAH TERHADAP LABA PT BANK BNI SYARIAH (PERSERO) TBK. KANTOR CABANG MAKASSAR Muhlis Muhlis; Hardiyanti Ade Ahsana
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

The presence of murabahah financing service facilities at PT Bank BNI Syariah is expected to internally maximize profits for the company. For this reason, this research aims to provide empirical evidence regarding the impact of murabahah financing on profits at PT Bank BNI Syariah (Persero) Tbk. Makassar Branch Office, using 2014-2016 financial report data. The methodology uses quantitative descriptive analysis through linear regression and hypothesis testing. Research results show that murabahah financing has a positive and significant impact on profits at PT Bank BNI Syariah (Persero) Tbk. Makassar Branch Office. Hypothesis testing obtained a significant level below 5%. So that murabahah financing has a positive and significant impact on company profits. The results of the simple regression analysis showed that the model Y = -2267.044 + 0.551X. A constant value of -2267.044 means that if there is no murabahah financing, profit (Y) will decrease by -2267.044 and if the independent variable, namely murabahah financing (X) increases by one unit, the dependent variable, namely profit (Y), increases by 0.551.

PENGARUH RASIO KEUANGAN TERHADAP HARGA SAHAM PERBANKAN SYARIAH TERDAFTAR BURSA EFEK INDONESIA Chandra Satria; Yeken Suhiba Putri
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

One of indicator of the nation economic performance is indicated by the amount of investment by business actors involved either directly or indirectly in the participation of shares or a number of investments that occur within one country. Banking financial performance is a description of the achievement of financial management targets, either from the collection of third party funds or channeled back in the form of investment products or other financing. Currently, Islamic finance is growing rapidly with many Islamic financial institutions offering financial products and services based on Islamic law. This Developmental conditions have an influence on the picture of Islamic stock investment in the capital market, althought sharia stock investment is not as big as existing conventional stocks. The purpose of this study is to determine the effect of financial ratios in Indonesian Islamic banks on the movement of the value of their share prices. The method in this research is causal associative through secondary data sources in the form of Islamic bank financial reports in the past few years. The results showed that in partial analysis there was no effect of share prices on the level of Islamic bank financial ratios, while simultaneously, there was an effect of Islamic bank financial ratios on Islamic bank share prices in the capital market

PEMBIAYAAN BAGI HASIL DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA Yana Fajriah; Edy Jumady
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

This study aims to determine whether production sharing financing and fianancing to deposit ratio affect profitability. Data collection used secondary data and sample in the study using purposive sampling technique. The population is all Islamic commercial banks in Indonesia, amounting to 14 Islamic commercial banks, while the sample taken is 5 Islamic commercial banks. The number of samples has been tested using the classical assumption test in the form of normality test, multicolonierity test, heteroscedasticity test. The data analysis method uses multiple linear regression analysis.The results showed that the first hypothesis proposed was rejected because it showed the results of the hypothesis test of profit-sharing financing which did not have a significant effect on profitability (ROA), while the second hypothesis is rejected because the results of hypothesis testing indicate that the financing to deposit ratio has no significant effect on profitability (ROA).

Studi Literatur: Analisis Teori Kontemporer Akuntansi Perbankan Syariah Nur Ika Mauliyah
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

This research is a literature study that discusses Islamic banking accounting theory analysis. Islamic banking accounting at this time is an action taken when conventional accounting does not fulfill the wishes of some Indonesian people who are Muslim. The offer provided by the Islamic economy is the best choice because banks have so far only wanted the maximum possible profit but lacked a humanist side to their customers. Products provided by Islamic banking such as mudharabah, musyarakah, wadi'ah, ijarah, wakalah, and so on. Sharia accounting reporting must uphold Islamic values in accordance with Islamic provisions so that there is no element of fraud in it. The accounting stage has an impact on management, owners, employees, and customers. Islamic accounting practice wants to implement a business environment that instills religious elements such as theological, humanist, and transcendental.

KAJIAN TINGKAT KESEHATAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI KAWASAN TAPAL KUDA Himawan Pradipta
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 7 No 1 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Kinerja BPRS, akhir-akhir ini kecenderungan melambat dan rentan mengalami kebangkrutan. Otoritas Jasa Keuangan (OJK) telah mengeluarkan POJK No. 20/POJK.03/2019 sebagai landasan dalam menilai tingkat kesehatan BPRS dan menjadi sinyal bagi manajemen dalam menjalankan aktivitas bisnisnya. Tujuan dari penelitian ini adalah untuk mengkaji tingkat kesehatan BPRS di Kawasan Tapal Kuda Jawa Timur ditinjau dari aspek kuantitatif yang meliputi permodalan, kualitas aset, rentabilitas dan likuiditas serta membandingkan tingkat kesehatannya. Jenis penelitian deskriptif komparatif dengan pendekatan kuantitatif digunakan dalam penelitian ini. Sampel penelitian menggunakan teknik purposive sampling. Jenis data adalah data time series Tahun 2017-2019. Sumber data diperoleh dari website OJK. Analisis data menggunakan rasio keuangan CAR EAQ, NPF, REO, ROA dan CR Penelitian ini menyimpulkan bahwa rerata seluruh BPRS di Kawasan Tapal Kuda untuk nilai CAR sebesar 61,80% dengan peringkat sangat sehat, EAQ sebesar 62,94% dengan peringkat tidak sehat, NPF sebesar 15,37% dengan peringkat kurang sehat, REO sebesar 108,97% dengan peringkat tidak sehat, ROA sebesar (0,01%) dengan peringkat tidak sehat, dan CR sebesar 32,43% dengan peringkat sehat. BPRS yang tersehat adalah PT. BPRS Situbondo dengan peringkat cukup sehat.

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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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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

Abstract

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Abstract

Abstract

Abstract

Abstract

Abstract

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