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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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Literasi Perbankan Syariah Untuk Meningkatkan Akselerasi Inklusi Keuangan (Studi pada Bank Syariah Indonesia (BSI) KCP Probolinggo) Syaiful Suib, Mohammad; Amelia, Lina
WADIAH Vol. 8 No. 2 (2024): 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.v8i2.1449

Abstract

This research aims to analyze the literacy used by syariah banking in increasing the acceleration of financial inclusion at BSI KCP Probolinggo. This research explores the impact of the role of syariah banking literacy on accelerating financial inclusion, in the context of inclusive and sustainable syariah banking. This topic was chosen to fill the gap in understanding the contribution of syariah banking literacy to the development of financial inclusion, which is a crucial aspect in building a sustainable syariah financial institutional environment. The qualitative approach used in this research is a case study type. The selection of objects at BSI KCP Probolinggo was based on considerations because the bank is one of the syariah financial institutions that plays an important role in the development of syariah finance in the Probolinggo area. The techniques used to collect research data consist of in-depth interviews, participant observation, and documentation. Where the research data consists of primary data obtained from several research informants, namely the director of BSI KCP Probolinggo, three employees of BSI KCP Probolinggo, five customers of BSI KCP Probolinggo. Meanwhile, secondary data was obtained from national and international journals that were relevant to research. The data analysis techniques used consist of data reduction, data display, and drawing conclusions. The research results show that syariah banking literacy in increasing financial inclusion is carried out by providing financial education, holding promotions and marketing, and conducting outreach through various media. Syariah banking literacy has a significant impact on increasing financial inclusion.
Analisis Strategi Penyelesaian Pembiayaan Bermasalah Pada Produk Rahn Di KSPPS “BMT Berbagi” Jepara Rohman, Syifaur; Ansori, Miswan
WADIAH Vol. 8 No. 2 (2024): 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.v8i2.1499

Abstract

This research aims to identify the factors that cause financing problems and strategies for handling them at the BMT Sharia Savings and Loans and Financing Cooperative (KSPPS) in Jepara. A descriptive qualitative approach is used to describe the problematic financing phenomenon experienced by Islamic financial institutions. Primary data was obtained through interviews and direct observation, while secondary data was collected from financial reports and periodicals. Data analysis was carried out using data reduction techniques, data presentation, and drawing conclusions according to Miles and Huberman's theory. The research results show that financing problems at KSPPS BMT Sharing are caused by internal factors, such as weak financing analysis, lack of supervision, and suboptimal coordination of the financing committee. External factors include the impact of the COVID-19 pandemic, economic inflation, and the character of members who are irresponsible in paying installments. The handling strategies implemented include preventive measures (financing analysis, monitoring and evaluation), revitalization (rescheduling, restructuring and reconditioning), as well as curative measures (collateral execution, liquidation and collection through third parties). The effectiveness of this strategy is proven by reducing the number of non-performing financing by 19% from 2022 to 2023
Urgensi Mutu Pelayanan Customer Service Dalam Meningkatkan Kepuasan Dan Loyalitas Nasabah Umatin, Choiru; Vanessa, Chelsea; Sulkha, Atina; Nurkholifah, Noviana; Pambudi , Adjie; Al Muiz, Mochamad Nasichin; Ridwanulloh, M. Ubaidillah
WADIAH Vol. 8 No. 2 (2024): 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.v8i2.1509

Abstract

ABSTRACT Service capability plays an important role for the sustainability of a company in increasing customer satisfaction and loyalty. The main priority of a company engaged in banking services is customer satisfaction. In winning the increasingly competitive competition, the Bank strives to provide the best service (service excellent). This study aims to determine the importance of retaining customers and reaching potential customers. In addition, to find out how to maintain and improve the quality and loyalty of its customers. The research uses a library research method in which data is collected based on academic data bases, digital libraries, and repositories of educational institutions. Some references are obtained from books, scientific journals, articles and research reports relevant to customer service quality research in improving customer quality and loyalty. The result is that customer service quality has a crucial role in shaping customer perceptions of financial institutions. Quality of service is very concerned about satisfaction and loyalty to maintain a positive brand image or image in the eyes of the community. The effect of customer satisfaction on customer loyalty can show that customer satisfaction has a significant effect on customer loyalty. Increasing service quality has an impact on customer satisfaction and loyalty is also increasing. Conversely, if the quality of Customer Service service decreases, it will have an impact on worsening customer satisfaction and loyalty.
KARTU KREDIT SYARIAH DAN POLA HIDUP KONSUMTIF Mutafarida, Binti
WADIAH Vol. 1 No. 1 (2017): 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.v1i1.1277

Abstract

People's lifestyle can change according to the development of mindset as well as the existing culture. These conditions encourage the banking world in product development to meet the needs of these communities. One of the products adopted by sharia bank is credit card, DSN MUI has issued its fatwa number 54 / DSN / - MUI / X / 2006 for this product with agreement of kafalah, qard and ijarah. This product of sharia credit card is called in sharia bank with name of sharia card. In addition to allowing the sharia card fatwa DSN also provides limits on the use of this magic card.Keywords: sharia card, credit card, sharia bank. Pola hidup masyarakat dapat berubah sesuai dengan perkembangan pola pikir dan juga budaya yang ada. Kondisi ini mendorong dunia perbankan dalam pengembangan produk untuk memenuhi kebutuhan masyarakat tersebut. Salah satu produk yang diadopsi oleh bank syariah adalah kartu kredit, DSN MUI telah mengeluarkan fatwanya nomor 54/DSN/-MUI/X/2006 untuk produk ini dengan akad kafalah, qard dan ijarah. Produk kartu kredit syariah ini disebut dalam bank syariah dengan nama shariah card. Selain memperbolehkan adanya shariah card fatwa DSN juga memberikan batasan dalam penggunaan kartu sakti ini.Kata Kunci : shariah card, kartu kredit, bank syariah.
STRATEGI PEMASARAN PRODUK BANK SYARIAH DALAM PERSAINGAN BISNIS PERBANKAN NASIONAL Harmoko, Irfan
WADIAH Vol. 1 No. 1 (2017): 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.v1i1.1278

Abstract

The sharia banks are the financial institutions that operate on the principles of sharia or Islamic law which acts as an intermediary institutions. The growth of sharia bank in Indonesia is quite good, but the market share is still lacking. Some efforts would be solve this problem, as one of them is increasing the market share that gradually increase new costumers. It can be done by creating marketing strategy among others making a sharia banking product that is easily understood by the public, cooperating with the conventional bank to make a sharia service office (KLS), or make a financial service mobile. Keywords : sharia banking product, marketing strategy.
PENGARUH INFLASI TERHADAP PROFITABILITAS BANK Insyiroh, Ika
WADIAH Vol. 1 No. 1 (2017): 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.v1i1.1276

Abstract

Inflation is defined as the general price trend. The tendency here is that the rise is not a momentary one. High inflation and uncontrollable rate can disrupt banking efforts in mobilizing public funds. This is because the high inflation rate causes the real interest rate to decrease. Such facts will reduce the public's desire to save so that the growth of banking funds sourced from thecommunity will decline. This study aims to determine the effect of inflation on the profitability of Bank Syariah period 2012-2014. The results of this study indicate that inflation has no significant effect on the profitability of Sharia Banks in the period 2012-2014. It can be seen from the hypothesis test where tcount is smaller than ttable and Sig> 0,05. No significant effect is because Islamic banks are not obliged to pay returns in a fixed amount, but based on the percentage of profits earned. Also supported by the correlation value of 0.161 which means the relationship can be ignored. The coefficient of determination between inflation onROA with a value of 2.6%. The rest, profitability is influenced by other factors namely CAR, Operational Efficiency, FDR, NPF and Exchange Rate (Exchange Rate) Abstrak Inflasi didefinisikan sebagai kecenderungan kenaikan harga secara umum. Kecenderungan yang dimaksudkan disini adalah bahwa kenaikan tersebut bukan terjadi sesaat. Laju inflasi yang tinggi dan tidak terkendali dapat mengganggu upaya perbankan dalam mengerahkan dana masyarakat. Hal ini disebabkan karena tingkat inflasi yang tinggi menyebabkan tingkat suku bunga riil menjadi menurun. Fakta demikian akan mengurangi hasrat masyarakat untuk menabung sehingga pertumbuhan dana perbankan yang bersumber dari masyarakat akan menurun.Penelitian ini bertujuan untuk mengetahui pengaruh inflasi terhadap profitabilitas Bank Syariah periode 2012–2014. Hasil penelitian ini menunjukkan bahwa inflasi berpengaruh tidak signifikan terhadap profitabilitas BNI Syariah pada periode2012-2014. Hal tersebut terlihat dari uji hipotesis dimana thitung lebih kecil dari tabel dan Sig > 0,05. Tidak signifikan pengaruh tersebut karena bank syariah tidak berkewajiban membayar return dalam jumlah tetap, melainkan berdasarkan prosentase dari keuntungan yang didapatkan. Selain itu didukung oleh nilai korelasi sebesar 0,161 yang artinya hubungan dapat diabaikan. Adapun koefisien determinasi antara inflasi terhadap ROA dengan nilai sebesar 2,6 %. Sisanya, profitabilitas dipengaruhi oleh faktor lain yaitu CAR, Efisiensi Operasional, FDR dan NPF dan Exchange Rate (Nilai Tukar).Kata Kunci : Inflasi, Profitabilitas, Bank Syariah.
MARKETING MIX SEBAGAI STRATEGI MENINGKATKAN JUMLAH NASABAH PADA PERBANKAN SYARI’AH Samsuri, Ali
WADIAH Vol. 1 No. 1 (2017): 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.v1i1.1274

Abstract

Every company must do the marketing process. This process is what makes consumers / customers interested to use products or services that are launched. so it needs a special strategy in running this process. Marketing strategy is commonly used is marketing mix, which aims to increase the number of customers, the obstacles encountered include, the modification of the price is not maximized, the product design is less good, less than optimal campaign, distribution channels are not on target, can run smoothly and continue must also be coupled with justice and honesty so that any marketing strategy run by the company will create a justice and goodness In addition to the marketing mix (Marketing Mix) in increasing the number of customers Marketing information system is also in need by the management of Sharia Banking Because the device this is usually intended to process data into information to customers and society. In addition, as a consideration of the Board of Directors to make decisions relating to marketing   AbstrakSetiap perusahaan pasti melakukan proses marketing. Proses inilah yang menjadikan konsumen/nasabah tertarik untuk menggunakan produk atau jasa yang diluncurkan. sehingga Perlu adanya strategi khusus dalam menjalankan proses ini. Strategi Pemasaran yang biasa digunakan adalah marketing mix, yang bertujuan untuk meningkatkan jumlah nasabahnya, kendala yang dihadapi diantaranya, modifikasi harga yang belum maksimal, desain produk yang kurang bagus,promosi yang kurang maksimal, saluran distribusi yang tidak tepat sasaran,selain itu agar strategi pemasaran bisa berjalan dengan lancar dan continue harus juga dibarengi dengan keadilan dan kejujuran sehingga strategi pemasaran apapun yang dijalankan oleh perusahaan akan tercipta suatu keadilan dan kebaikan Selain bauran pemasaran (Marketing Mix) dalam meningkatkan jumlah nasabah Sistem informasi pemasaran juga di butuhkan oleh manajemen Perbankan Syariah Karena perangkat ini biasa ditujukan untuk mengolah data menjadi informasi kepada nasabah dan masyarakat. Selain itu juga sebagai bahan pertimbangan Direksi untuk membuat keputusan yang berkaitan dengan pemasaran.Kata Kunci : Marketing Mix, Strategi, Nasabah, Perbankan Syariah
ANALISIS YURIDIS NORMATIF TERHADAP PERJANJIAN HUTANG PIUTANG Zulaiha, Habibah
WADIAH Vol. 1 No. 1 (2017): 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.v1i1.1275

Abstract

Credit agreement with fiduciary guarantee is not a guarantee based on the law, but is born because it must be agreed in advance between the bank as the creditor with the customer as the debtor. The purpose of this study is to know the Normative JuridicalAnalysis to Against Debt Agreement On BFI FINANCE KEDIRI. The focus of attention in the issue of fiduciary security is if the debtor is defaulted. In the contract law if the debtor does not fulfill the contents of the agreement or does not do the things that have been agreed, then the debtor has defaulted with all legal consequences. Law Number 42 Year 1999 on Fiduciary Guarantee does not recognize the term of default, but uses the term Promise Injury AbstrakPerjanjian kredit dengan jaminan fidusia bukan merupakan hak jaminan yang lahir berdasarkan undang-undang, melainkan lahir karena harus diperjanjikan terlebih dahulu antar bank selaku kreditur dengan nasabah selaku debitur. Tujuan Penelitian Iniadalah mengetahui Analisis Yuridis Normatif Terhadap Perjanjian Hutang Piutang Pada BFI FINANCE KEDIRI. Fokus perhatian dalam masalah jaminan fidusia adalah apabila debitur wanprestasi. Dalam hukum perjanjian apabila debitur tidak memenuhi isi perjanjian atau tidak melakukan hal-hal yang telah diperjanjikan, maka debitur tersebut telah wanprestasi dengan segala akibat hukumnya. Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia tidak mengenal istilah wanprestasi, melainkan menggunakan istilah Cidera Janji. Metode penelitian menggunakan penelitian Yuridis Normatif. Pada metode ini bahwa didasarkan pertimbangan spesialisasi penelitiannya termasuk deskriptif analisis yaitu memaparkan pembahasan-pembahasan kajian untuk mendapatkan kepastian hukum yang terkait dengan perjanjian hutang piutang antara perusahaan pembiayaan dengan nasabahnya, dihubungkan dengan peraturan perundangan dan praktek hukum perdata dan fidusia. Pemerintah telah mengeluarkan kebijakan dengan memberikan perlindungan dan kepastian hukum bagi konsumen melalui Undang-Undang No.8 Tahun 1999 tentang Perlindungan Konsumen. Beberapa hal yang penting dalam perlindungan konsumen tercantum dalam pasal-pasal dari undang-undang ini. Saran bagi masyarakat pelaksanaan perjanjian fidusia sebaiknya di baca terlebih dahulu isi perjanjiannya seperti apa, konsumen harus pandai memilih perusahaan pembiayaan yg sesuai prosedur atau malah sebaliknya. Sekiranya dapat dipahami dengan sebenar-benarnya agar tidak terjadi kesalahan persepsi yang dapat merugikan masyarakat karena kesalahan dalam mengambil suatu keputusan. Kata Kunci: Perjanjian Fidusia, UU Perlindungan Konsumen
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NON MUSLIM UNTUK MEMANFAATKAN PRODUK LEMBAGA KEUANGAN SYARI’AH Rina, Aslikhah
WADIAH Vol. 1 No. 2 (2017): 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.v1i2.1279

Abstract

The purpose of this research is to know the factors that influence of Non Muslim to become an user in BMT Maslahah Tosari. This research used qualitative descriptive method with approach case studies on a natural background. Data was collected by three methods i.e. observation, interview and documentation.The result showed that (1) factors that affect people’s interest in using services financial institutions shari’ahare consumption, revenues, product/ types of saving, the location, service, communityawareness and promotion. (2) Economic factors being the dominant reason for Non Muslim to be the customer in BMT Maslahah Tosari. (3) Other factors to cause Non Muslim to be the customer in BMT Maslahah Tosari are personal factor and psychological factors.Keywords: Non Muslim Client, promotion, and products.
MACAM-MACAM RISIKO DALAM BANK SYARIAH Mutafarida, Binti
WADIAH Vol. 1 No. 2 (2017): 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.v1i2.1280

Abstract

Islamic banks are financial institutions that are expected to answer the needs of Muslims to financial transactions in accordance with sharia. The future of sharia banks will depend heavily on human resource capacity to manage and adapt to the banking business environment. This profit institution in its operation not only faces profit, but in line with business development, technological development, and the development of society requirement for banking product, sharia bank also face risk which has unique characteristic compared to conventional bank. In its operations, sharia banks are required to remain sharia principles in achieving the vision of their mission. Sharia banking is required to be able to face global competition with its identity as a principled and obedient financial institution in sharia compliance.Keywords: sharia bank, risk Abstrak Bank syariah adalah lembaga keuagan yang diharapkan menjawab kebutuhan umat islam terhadap transaksi keuangan yang sesuai dengan syariah. Masa depan bank syariah akan sangat bergantung kepada kemampuan sumber daya insani mengelola dan beradaptasi dengan lingkungan bisnis perbankan. Lembaga profit ini dalam operasionalnya tidak hanya menghadapi keuntungan saja, tetapi seiring perkembangan bisnis, perkembangan teknologi, maupun perkembangan kebutuhan masyarakat akan produk perbankan, bank syariah juga menghadapi risiko risiko yang mempunyai sifat unik dibandingkan dengan bank konvensional. Dalam operasionalnya bank syariah dituntut untuk tetap berprinsip syariah dalam mencapai visi misi yang telah ditetapkan. Perbankan Syari’ah dituntut untuk mampu menghadapi kompetisi global dengan jati dirinya sebagai lembagakeuangan yang berprinsip dan patuh pada syariah (sharia compliance).Kata kunci : bank syariah, risiko

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