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Banco: Jurnal Manajemen dan Perbankan Syariah
Published by Institut Agama Islam Negeri Parepare
ISSN : 26849534     EISSN : 26848643     DOI : -
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Banco: Jurnal Manajemen dan Perbankan Syariah publishes original works that contribute to scientific discussion of Sharia Economic, Management and Bisnis Sharia, Sharia Banking, Economic Development, Sharia Finance and Accounting, Management and Economic any related issues. The works on the issues of world religions and global societies are welcome. Submissions are welcome not only from scholars of religious studies and Islamic studies, but also political scientists, legal scholars, economists, anthropologists. All submissions must not be previously published elsewhere.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 83 Documents
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Strategi Pemasaran dalam Meningkatkan Minat Nasabah BSI KCP Enrekang (Analisis Manajemen Pemasaran Syariah)
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 5 No 2 (2023): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v5i2.6554

Abstract

In general, the topography of the area is dominated by hills/mountains. This condition is one of the obstacles faced by BSI KCP Enrekang to attract people to become customers. There are still many areas that have not been touched by the network, which makes it difficult for employees to communicate. This study aims to determine the marketing strategy of BSI KCP Enrekang in attracting customer interest and sharia marketing management analysis of BSI KCP Enrekang's strategy in attracting customer interest. The type of research used in this research is descriptive qualitative research. The approach used is a phenomenological approach. The data used in this study are primary data and secondary data, with data collection techniques carried out using observation, interview and documentation techniques. The results showed that (1) the marketing strategy carried out by BSI KCP Enrekang was to use a marketing strategy using segmentation, targeting, positioning on wadiah products related to market segmentation that BSI KCP Enrekang only adopted a market segmentation approach that focused on demographic, geographic, and socioeconomics to understand the characteristics and needs of customers and customers in the Enrekang area. BSI KCP Enrekang has two target markets to improve their product marketing namely credit and funding target market, market position which includes sharia market share, brand awareness, customer loyalty, image and trust, product innovation, price perception, and range and service, BSI KCP Enrekang can evaluate its position in the Islamic financial market in the region. (2) Sharia marketing management consists of planning function, organizing function, directing and implementation function and monitoring and control function. All of these functions apply the muamalah principle, namely that Islamic banks have avoided the elements of usury which is in line with the principles of ta'awun, unjust elements, gharar elements, maysir elements, while the haram elements can be categorized that when banks have avoided the elements of usury, maysir and gharar, then the haram elements have been gone
Contracting Balance in Islamic Banking Mudharabah Agreements in Indonesia: Islamic Economic Perspective syarifuddin, syarifuddin; Djaenab; Nuringsih
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 1 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i1.6660

Abstract

The purpose of this study is to determine the position of mudharabah contracts in fiqh and the practice of mudharabah contracts in Islamic banking in Indonesia in general. The research method used by the author in this research is literature review, data collection through several journals, and several other references, then data analysis uses review analysis using data reduction, systematic and objective. The results of this study reveal that the mudharabah contract is a collaboration between the owner of the funds or investors (shaihb al-mal / rabb al-mal / investors) and the manager of capital (mudharib) to do business on the basis of a profit sharing ratio. Although mudharabah contracts have no basis in the Koran or implicit sunnah, they were used to carry out trade by the early generations of Muslims. Contracts are developed by the Fuqaha under conditions on his behalf based on general sharia principles of fairness. Islamic banking practices in carrying out mudharabah contracts as financing in the case of mudharabah contracts are one of the banking products, namely in the form of time savings, for example hajj savings, sacrifices, and special savings (special investments)
Pengaruh Financial Literacy dan Disposible Income terhadap Minat Menabung Pedangang Kaki Lima di Bank Syariah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 5 No 2 (2023): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v5i2.6666

Abstract

Islamic banks are financial institutions that uphold sharia rules. The Islamic financial framework adheres to the idea of profit sharing. The purpose of this research is to analyze the effect of financial literacy and disposable income on the intention to save traders in Islamic banks. This research is included in the category of quantitative research, using associative methods. Sampling uses the total population because the total population is less than 100 people. The primary data used is the response to the questionnaire distributed to the respondents.. The results of hypothesis testing show that the variables financial literacy and disposable income simultaneously influence the intention to save traders in Islamic banks, with a significant value of 0.025 <0.05. Partially, the financial literacy variable has a significant effect on the intention to save traders in Islamic banks, with a significant value of 0.042 <0.05. Then the variable disposable income has a significant effect on the intention to save traders in Islamic banks, with a significant value of 0.020 <0.05. From the results of the study it can be concluded that financial literacy and disposable income have an influence on the intention to save traders in Islamic banks by 10.9% and 89.1% are influenced by other variables not examined in this study. This of course can contribute to Islamic banks in order to create strategies for customer behavior to be able to attract potential customers, especially street vendors, to save at Islamic banks
Strategi Pengembangan Usaha Mikro Kecil dan Menengah (UMKM) Berbasis Collaborative Governance di Desa Pananrang Kecamatan Mattiro Bulu Sari, Sefryana
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 1 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i1.7536

Abstract

This thesis examines the activities of Micro, Small, and Medium Enterprises (MSMEs) in conducting business, the challenges faced by MSMEs in business development, and the forms of collaborative governance implemented in MSMEs in Pananrang Village. This is based on the decline in MSME development and the importance of collaborative governance in MSME development. The main issues in this research are (1) How do MSME actors conduct business? (2) What challenges did MSMEs face in developing their businesses? (3) How was collaborative governance implemented in MSMEs in Pananrang Village?The research method used is qualitative research with a case study approach. The data sources are MSME actors and the Cooperative and Small and Medium Enterprises Agency, as well as the Investment and Integrated One-Stop Service Agency. Data collection tools include interview guidelines, and data collection techniques involve observation, interviews, and documentation. Data validity is tested using triangulation techniques.Research findings: (1) MSME actors in Pananrang Village are classified as micro-businesses with a maximum income of Rp200,000,000 per year. In Pananrang Village, there were 47 businesses, but only 4 types of businesses were based on collaborative governance. (2) The challenges faced by MSME actors in developing their businesses included: (a) Quantity and quality of Human Resources (HR) were insufficient, (b) Limited technology and lack of innovation in products, (c) Marketing management did not meet operational standards and lacked business partners, and (d) Lack of capital for business development. (3) Collaborative governance was carried out by the Cooperative and Small and Medium Enterprises Agency through programs such as (a) Coaching, providing material on how to develop a business, (b) Assistance in finding business partners for MSMEs, (c) Financial assistance, providing capital for business development, and (d) Creating a business climate, providing quick and free business permits for MSMEs. Meanwhile, the Investment and Integrated One-Stop Service Agency had the Close Relations program, which included one-day seminars on business development and financial support for MSMEs in Pinrang Regency. The analysis results showed business development for MSMEs for those who followed collaborative governance procedures. Keywords: Collaborative Governance, Development, Micro, Small, and Medium Enterprises (MSMEs)
Implementasi Kebijakan Pengelolaan Retribusi Pasar dalam menunjang pendapatan asli daerah di Pasar Kampiri Kecamatan Pammana Kabupaten Wajo Darmawati; Damirah; Adani S, Andi Putri Zahirah; St. Nurhayati; Semaun, Syahriyah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 1 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i1.7633

Abstract

Abstrak Tesis ini membahas tentang bagaimana pelaku usaha dan pengelolaan retribusi pasar dapat mengoptimalkan penerimaan/pendapatan yang di terima sehinggah retibusi pasar dapat menunjang endapatan Asli Daerah (PAD) dengan menyesuaikan kebijakan-kebijakan yang ada, Hal ini didasari pada retribusi di pasar Kampiri belum terpenuhi sehinggah membutuhkan pengimplementasian kebijakan terhadap pembayaran retibusi pasar Kampiri yang akan meningkatkan Pendapatan Asli Daerah (PAD). Permasalahan utama dalam penelitian ini adalah (1) Bagaimana sistem pengelolaan retribusi dalam menunjang Pendapatan Asli Daerah (PAD) (2) Bagaimana bentuk implementasi kebijakan pengelolaan Pendapatan Asli Daerah (PAD) lewat retribusi pasar Kampiri.Metode penetilian menggunakan jenis penilitian kualitatif dan pendekatan penelitian menggunakan studi kasus. Suber data adalah pelaku uaha dan Dinas Pengelolaan Retribusi; alat pengumpulan data yaitu pedoman wawancara; Teknik pengumulan data adalah observasi, wawancara dan dokumentasi; dan pengujian keabsahan data menggunakan Teknik trangulasi.Hasil penelitian: (1) Sistem pengelolaan retribusi pasar Kampiri yaitu: (a) Subjek/Objek retribusi memiliki 466 fasiitas yang disediakan (b) Tarif Retribusi pasar Kampiri diseduaikan dengan Peraturan DaerahKabupaten Wajo Nomor 1 Tahun 2021 pelaku usaha mematuhi tarif retribusi (c) Sistem Pemungutan Retribusi yang dilakukan oleh kolektor pasar ialah memberikan karcis kepada pedagang menandakan pedagang tersebut telah membayar retribusi. (2) Upaya pemerintah dalam meningkatkan Pendapatan Asli Daerah (PAD) dengan menyesuaikan Peraturan Daerah Kabupaten Wajo Nomor 1 Tahun 2021tentang Pelayanan Retribusi Pasar (a) Memperkuat basis penerimaan,memberikan tempat bagi pedgang, (b) Memperkuat proses pemungutan, penyesuaian tarif retribusi, (c) Peningkatan pengelolaan, meningkatkan pengelolaan retibusi pasar, (d) Meningkatkan pengawasan guna memperbaiki proses pemungutan, (f) Menignkatkan kesadaran wajib retribusi, memberikan pembinaan kepada pedagang agar melakukan pembayaran retribusi tepat waktu. Hasil analisis meunjukkan retribusi pasar di pasar Kampiri dapat menunjang Pendapatan Asli Daera (PAD) jika pedagang memenuhi tempat yang telah disediakan serta pembayaran retribusi dilakukan secara tepat sesuai aturan pemerintah. Kata Kunci: Kebijakan, Pendapatan Asli Daerah (PAD) dan Retribusi Pasar
Optimalisasi Peran Fintech P2P Lending Syariah Dalam Memberikan Layanan Pembiayaan Kepada Masyarakat Unbankable Azfat, Fatmawati; Heri Iswandi; Fauziah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 1 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i1.8815

Abstract

Penelitian ini bertujuan untuk menganalisis optimalisasi peran Teknologi Finansial Peer to Peer Lending Syariah dalam Memberikan Layanan Keuangan bagi masyarakat unbankable. Salah satu inovasi yang dihasilkan oleh perkembangan teknologi di industri keuangan adalah lahirnya Fintech atau Financial Technology. Salah satu jenis Fintech yang berkembang di Indonesia dan saat ini sangat digemari masyarakat adalah Fintech Peer to Peer (P2P) Lending yang hadir untuk memberikan layanan keuangan bagi masyarakat yang belum memenuhi persyaratan untuk memperoleh pembiayaan melalui bank (unbankable). Fintech Peer to Peer (P2P) Lending merupakan sebuah inovasi dalam pemberian pembiayaan melalui platform Fintech, sehingga penyedia dan penerima pembiayaan tidak perlu berinteraksi secara langsung. Kemudahan yang diberikan tentu berpotensi menimbulkan permasalahan jika tidak dibarengi dengan sikap bijak dalam penggunaannya. Penelitian ini merupakan penelitian kepustakaan yaitu penelitian ini dilakukan dengan kajian mendalam terhadap bahan-bahan yang relevan dengan penelitian yang dilakukan dalam bentuk jurnal dan peraturan yang membahas tentang Fintech P2P Lending. Penelitian ini mengidentifikasi tiga kendala berdasarkan sumbernya yang terjadi pada Fintech P2P Lending Syariah, yaitu kendala yang berasal dari regulator, dari Fintech P2P Lending Syariah dan dari Komunitas Pengguna Fintech. Dari ketiga kendala tersebut, salah satu kendala yang tidak kalah penting untuk segera diatasi adalah kendala yang berasal dari masyarakat. Menghadapi tantangan ekonomi digital dan digitalisasi, literasi digital, literasi ekonomi, dan literasi keuangan mutlak dimiliki oleh masyarakat dari berbagai kalangan. Multilaterasi diperlukan sebagai modal sosial agar memiliki sikap kritis dan cerdas dalam mengendalikan dan mengelola keuangan agar lebih mampu menyikapi perubahan yang terjadi di era ini
Produk Kredit Pemilikan Rumah Bank Syariah Indonesia Parepare (Antara Peran Dan Risiko) Arifin, Asriadi
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 1 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i1.8919

Abstract

The purpose of this research is to examine the mortgage financing products (KPR) at BSI with a review of the contestation between roles and risks. The research results are expected to contribute well to the development of further research. This type of research is descriptive qualitative by explaining in a narrative manner the results of more concrete and in-depth research relating to the technical aspects of Indonesian Islamic Bank (BSI) in channeling sharia-based KPR housing finance. The research subject is the Indonesian Islamic Bank (BSI) Parepare Branch. The research results were obtained by observing and using participatory interview instruments with the Consumer Processing Head. The results of the study show that Islamic banking is faced with a dilemma between carrying out its role in creating a conducive economy nationally and at the same time responding to the needs of society collectively. Through this role, banks obtain returns in the form of profits (profitability). However, in addition to obtaining profits, banks are also faced with a higher level of risk. With it, to maintain the existence of Islamic banking, it must receive collective support from all existing stakeholders. Consideration of risk in Islamic banking must also necessitate the management of financing in banks which pays more attention to the principle of prudence with good risk management and analysis, because between profit and risk, the two have an inherent (inherent) relationship that cannot be avoided.
Etika Bisnis Dalam Manajemen Bisnis Roti Maros Guna Mewujudkan Peningkatan Keharmonisan Sosial Hidayat, Ihsan; Irwan Misbach; Syahruddin; Syahrir D Mallongi; Awaluddin
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 1 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i1.9002

Abstract

Islam with its universal teachings has laid down the concept of human life so that it can run well, including business mechanisms in doing business. Maros is one of the cities that has entrepreneurs operating in the same field and type, namely Maros Roti Culinary. This research is descriptive qualitative research. The results of this research prove that Maros entrepreneurs really understand Sharia Business Ethics and they apply it in their business management. Five management principles are adapted to Sharia business ethics. The dominance of the same business in Maros Regency actually creates harmony between business people. They support each other through Public Transport Partners. Every driver who partners will get free drinks and food and get a bonus if each driver brings a lot of passengers to shop at the Maros Bakery. This is uniquely healthy competition for Maros Roti Entrepreneurs.
Integrating Local Culture to Work Ethics: A Holistic Approach to Mitigating Problematic Financing in Islamic Banks Budiono, I Nyoman; Abu Bakar, Ahmad; Haddade, Hasyim; Daily, Syarmillah; Husain, Hartina
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 2 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.8784

Abstract

Purpose – This study aims to explore the integration of Siri' culture, Islamic work ethic, and the 5C principles in preventing problematic financing in Islamic banks, particularly within the Bugis-Makassar community. Method – Using a qualitative approach, the research employed interviews, document analysis, and field observations to gather data. Thematic analysis was conducted to identify patterns and insights related to the interplay of cultural, ethical, and technical frameworks in financing practices. Findings –. The results reveal that Siri' culture fosters high moral responsibility among customers, enhancing their commitment to fulfilling financial obligations. Islamic work ethic strengthens accountability and transparency among bank employees, while the 5C principles provide a structured framework for financing decisions.. Practical implications – Banks can incorporate cultural dimensions, such as Siri' values of honesty (ada' tongeng), respect (sipakatau), and adherence to principles (getteng), into their credit analysis frameworks. This approach can enhance the quality of financing decisions by integrating ethical and moral considerations with technical assessments.. Originality/value – holistic approach, integrating cultural, ethical, and technical dimensions to mitigate financing risks
Unveiling Partnership Culture in Sharia Banking Regulations Latifah, Umi
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 2 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i2.9096

Abstract

Purpose – This study investigates whether the regulatory framework governing Sharia banks effectively enforces their distinctive characteristics and fulfills the objectives of maqashid sharia, amid concerns about their perceived similarity to conventional banks. Method – Using a normative legal approach, the research employs qualitative descriptive methods to analyze primary legal frameworks and validate findings through secondary sources. Findings –. The study finds that Indonesia pioneered the concept of Islamic banking in the 1970s, requiring financial intermediation based on a profit-sharing system in accordance with Sharia principles. Despite these mandates, some Sharia banks continue to adopt practices resembling conventional banking markup schemes. Practical implications – The findings highlight the need for legal reforms to reinforce Sharia banks' adherence to their foundational principles, thereby promoting a genuine partnership culture based on the principle of taawun (mutual cooperation). Originality/value – This research underscores the gap between regulatory mandates and practical implementation, offering insights into how legal adjustments can align Sharia banking practices more closely with their philosophical roots

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