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Adin Fadilah
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jurnalwadiah@iainkediri.ac.id
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JL.SUNAN AMPEL NO 7 NGRONGGO, Kediri, Provinsi Jawa Timur, 64127
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Wadiah : Jurnal Perbankan Syariah
Published by Institut Agama Islam Negeri Kediri
ISSN : 25991515     EISSN : 27769569     DOI : https://doi.org/10.30762/wadiah
Core Subject : Economy,
Economics, Econometrics & Finance
Wadiah ; Jumal Perbankan Syariah adulah jumal penelitian dalam lingkup Perbankan Syariah yang diterbitkan oleh Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam lAIN Kediri. Jurnal ini memuat hasil-hasii penelitian dengan tema aktual yang dilakukan dosen peneliti dan pemerhati kajian Perbankan Syariah. Jurnal Wadiah merupakan wadah diseminasi hasil·hasil riset yang diterbitkan secara berkala setiap enam bulan sekali pada bulan Januari dan Juli. Fokus utama dan ruang lingkup yang menjadi kajian pembahasan dari "Wadiah : Jumal Perbankan Syariah" adalah sebagai berikut : Perbankan Syariah; Keuangan Islam; Koperasi Syariah; Lembaga Keuangan Syariah non Bank; Lembaga Keuangan Mikro Syariah; Akad Dalam Perbankan Syariah; Akad Dalam Keuangan Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 143 Documents
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Public Perception And Understanding Of Profit Sharing In Islamic Banks (Case Study In Karangtalun Village, Kalidawir Subdistrict, Tulungagung Regency) Elwi Yuda Laksana; Eka Wahyu Hestya Budianto
WADIAH Vol. 9 No. 1 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i1.1870

Abstract

This study aims to understand the perceptions and understanding of the people in Karangtalun Village regarding the profit-sharing concept in Islamic Banks. This research uses a qualitative approach, collecting data from the community in Karangtalun Village. Data collection methods include observation, interviews, and documentation. The data analysis method consists of three main stages: data reduction, data presentation, and conclusion drawing. Most people in Karangtalun Village have a negative perception of profit-sharing, with doubts about its validity, viewing it similarly to interest; only a few individuals, such as academics and religious figures, hold a positive view of profit-sharing in Islamic banks. Similarly, the community’s understanding is still limited; most people do not fully grasp the concept of profit-sharing or its mechanism in detail, with many still believing that profit-sharing is the same as interest. In contrast, academics and religious leaders tend to have a better understanding of Islamic bank profit- sharing. The negative perception and lack of understanding of profit-sharing are due to several factors, such as the lack of experience with profit-sharing, individual backgrounds, and unclear information. These factors contribute to the community’s less favorable perception and understanding of profit- sharing.
Pengaruh Risk Based Capital Terhadap Profitabilitas Pada Perusahaan Asuransi Jiwa Syariah Adin Fadilah; Alvido Zakaria, Mochamad Alvido Zakaria
WADIAH Vol. 9 No. 2 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i2.2431

Abstract

This study examines the impact of Risk Based Capital (RBC) on the profitability of Islamic life insurance companies in Indonesia. RBC is a key financial health indicator ensuring insurers can meet their obligations. Using a quantitative approach with panel data regression, the study finds that while RBC influences profitability, the effect is not significant. Other factors such as claim expenses and investment returns must be considered to enhance profitability.
Peran Pembiayaan Syariah Dalam Mendukung Kelangsungan Usaha Mikro Kecil (Umk) Di Indonesia : Studi Fenomenologi Putri, Oktaria Ardika
WADIAH Vol. 9 No. 2 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i2.2923

Abstract

This study aims to explore the role of Islamic financing in supporting the sustainability of Micro and Small Enterprises (MSEs) in Indonesia. This research uses a qualitative approach with a phenomenological method. Data was collected through in-depth interviews with ten MSE actors who are customers of Islamic banks in Kediri Regency. The results show that Islamic financing plays a role not only as a source of business capital but also as a means of spiritual peace for Muslim entrepreneurs. The principles of profit-sharing (mudhārabah and musyārakah) are considered more equitable, although they require a more complex process. Non-financial support such as business assistance and religious guidance from the bank strengthens this relationship. This research implies the need for increased financial literacy and simplification of sharia financing products to be more accessible to MSEs.

Page 15 of 15 | Total Record : 143

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