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Sahid Banking Journal

SahidBankingJ
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Published by Institut Agama Islam Sahid Bogor

ISSN : 28084381 EISSN : 28087402 DOI : https://doi.org/10.56406/sahidbankingjournal.v1i01

Core Subject : Religion, Economy,

Religion Economics, Econometrics & Finance

Sahid Banking Journal adalah peer-reviewed jurnal ilmiah berisi hasil penelitian ilmiah primer, kajian, ulasan ilmiah atau komentar/ kritik atas artikel yang diterbitkan di Sahid Banking Journal. Sahid Banking Journal menerima manuskrip atau artkel dalam bidang perbankan dan keuangan syariah dari akademisi, peneliti dan praktisi perbankan dan keuangan syariah baik nasional maupun internasional. Bidang keilmuan yang bisa diterbitkan di Sahid Banking Journal meliputi: - Perbankan Syariah , - Pasar Keuangan dan Pembiayaan Syariah, - Keuangan Sosial Syariah, - Literasi Keuangan Syariah, - Digital dan Fintech Syariah - Bidang lainnya yang relevan dengan lingkup perbankan dan keuangan syariah.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 84 Documents

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT ANGGOTA KEPOLISIAN UNTUK MENABUNG DI BANK SYARIAH (Studi Pada Markas Kepolisian Resor Bogor Sektor Gunung Putri) Zenal Mustakim; Tubagus Rifqy Thantawi; Azizah Mursyidah
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT The existence of the police is very closely related to society. Seeing that some people, including the police, still think that saving in Islamic banks and conventional banks is the same, due to the lack of socialization and public education to provide knowledge and understanding to the community, so that people know about the concepts, mechanisms, products, in terms of Islamic banking so they have the right information. Enough about Islamic banking financial institutions. The research method used in this study is field research (Field Research) with quantitative methods, namely the data obtained in the form of numbers that are calculated related to the problem under study. Service variables, Islamic banking products and religiosity together have a positive and significant effect on the interest of Polri members to save in Islamic banks. This is obtained from the tcount value of each variable and the F test results of 148.703 and the coefficient of determination (R2) of 0.925. The results that the author has done show that service factors, Islamic banking products and religiosity influence the interest of members of the Gunung Putri Bogor Police to save at Islamic banks. The factor that is more dominant in influencing the interest of Polri members is service.

PENGARUH FINANCING TO DEPOSIT RATIO (FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP RETURN ON ASSET (ROA) (Studi Pada di Bank Syariah Mandiri Periode 2012-2019) Nurandika Maulana Rachman; Rully Trihantana; Ria kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT Bank Indonesia in BI Circular Letter No. 9/24/DPbs 2007 states that the assessment of the soundness of a bank is influenced by the CAMELS factor (Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity to Market Risk). This study aims to examine the effect of Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) on Return On Assets (ROA) at PT. Mandiri Syariah Bank for the 2012-2019 period. The research method used is the type of quantitative and secondary data from the financial statements of PT. Bank Syariah Mandiri starting from the first quarter of 2012 to the fourth quarter of the 2019 period so that 32 samples of financial statements were collected. Based on the results of the study, it shows that the Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) simultaneously have a significant effect on Return On Assets (ROA), with a Fcount of 110.076 > Ftable of 4.17 and a significance of 0.000 <0.05, the results the coefficient of determination for the Adjusted R Square (R2) value is 0.876 or 87.6%, which means that Return on Assets (ROA) can be influenced by both variables, namely Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF). While the remaining 12.4% is influenced by other factors outside the research model.

ANALISIS PENGARUH BAURAN PEMASARAN TERHADAP MINAT MASYARAKAT DALAM PEMBIAYAAN RUMAH DENGAN PRINSIP SYARIAH Aliya Cahyani Purnaed; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Owning a home is a need and a dream for every human being, with a home the family will grow well in it. Like a mirror in the house is a reflection of the human person. Owning a home can go through the world of Islamic banking, and Islamic banking must be able to attract people's interest in using its products. By providing a variety of prices, strategic housing with industrial and economic centers, as well as promotions that have been carried out are able to attract public interest in financing based on sharia principles through the world of sharia banking. This study aims to analyze the factors of product, price, place, promotion of public interest in home financing with sharia principles. This type of research is quantitative and the data collection method uses primary data obtained through questionnaires. Sampling of 100 respondents using the Tabachic and Fidell techniques, the sampling technique used simple random sampling technique. The method used to test the hypothesis is multiple linear regression, t test, f test and the coefficient of determination (adjusted R square). The results of this study indicate that price, place, and promotion affect people's interest in home financing with sharia principles. Meanwhile, these products have no effect on people's interest in home financing with sharia principles.

TINJAUAN HUKUM ISLAM TERHADAP BIAYA ADMINISTRASI PADA PEMBIAYAAN PENSIUNAN (Studi Kasus Di Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Dramaga) Adi Nugraha Wijaya; Tubagus Rifqy Thantawi; Azizah Mursyidah
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

This research is motivated by the existence of Bank Syariah Mandiri as one of the pioneers of the Islamic economy, as well as a means of accommodating the interests of the Indonesian people, especially Muslims whose goals can be realized by the Indonesian people. Bank Syariah Mandiri (BSM) has one product, namely the BSM Pension, where this product is a financing product specifically for retired State Civil Apparatuses. This research was conducted at the Sub-Branch Office of Bank Syariah Mandiri Bogor Dramaga which is located at Jl. Officer No. 151 Dramaga-Bogor (16680). This research took place from February to July 2020, the authors were interested in conducting this research because pension financing customers were burdened with administrative costs by the bank, the authors wanted to find out how the perspective of Islamic law was in taking these administrative costs. , To find out the problems in this study, the authors conducted qualitative research. The data collection method used in this research is by conducting interviews, observation and documentation. This data collection method is aimed at bank officers who usually directly serve retirees. Interviews, observations and documentation were carried out in person on March 18 2020 at the Bank Syariah Mandiri office, Dramaga Bogor Sub-branch Office. The analysis used in this research is descriptive qualitative. The results of the study show that taking administrative fees is permitted in accordance with the provisions of the DSN-MUI Fatwa Number 19/DSN-MUI/IV/2001 concerning Al-Qardh that the cost of the filing process is charged to the customer, provided that there must be certainty about what fees are used. During the application process, administration fees are taken at a reasonable rate so that they do not burden the customer, and do not make administrative costs a source of bank income.

ANALISIS MANAJEMEN RISIKO PEMBIAYAAN PRODUK CICIL EMAS PADA BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU BOGOR JALAN BARU Anisa Rahman; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

concerning Implementation of Risk Management for Islamic Commercial Banks (BUS) and Sharia Business Units (UUS), and the solutions provided to the risks that occur at BSM KCP Bogor Jalan Baru. This study uses a qualitative approach, with the type of qualitative descriptive research. The data used in this study were obtained from observations at the research site, direct interviews with relevant sources at BSM KCP Bogor Jalan Baru. The results of this research show: First, the application of risk management for gold installment financing products at BSM KCP Bogor Jalan Baru is carried out in 4 stages, namely: identification, measurement, monitoring, and risk control. Second, the implementation of risk management carried out by BSM KCP Bogor Jalan Baru is in accordance with POJK Number 65/POJK.03/2016. Third, the highest risk that occurs in gold installment financing products is credit or financing risk, so the solution is that banks must pay more attention to the risk identification stage, especially analysis on the 5C aspect.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MASYARAKAT MENGAJUKAN PEMBIAYAAN DI BANK PEMBIAYAAN RAKYAT SYARIAH BOTANI DRAMAGA (Studi Kasus Kecamatan Ciampea Kabupaten Bogor) Bunga Hidayatunnisa; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Basically, people who start a business tend not to have initial capital to start their business.because the economic conditions of the people in Ciampea District, Bogor are still low, withthe existence of Islamic People's Financing Banks (BPRS) to help people start their businesses anddevelop what they want. they dream of owning a business by applying for sharia financing to aBPRS, therefore BPRS must be able to attract public interest to apply for sharia financing. Based onreligiosity, good service quality, low public knowledge of the financial institution itselfadministrative costs, attractive promotions, and can adjust economic capabilitiespublic. This study aims to analyze the factors of religiosity, quality of service, publicknowledge, administrative costs, promotion and economic capacity to influence the public interestin applying for financing at BPRS Botani. This type of research is quantitative research andMethods of data collection using primary data obtained through questionnaires. Sampling amounted to 75 respondents, the technique of determining the sample using simple random samplingtechnique. The method used to test the hypothesis is multiple linear regression, t test, and f testcoefficient of determination (adjusted R square). The results of this study indicate that economic ability affects people's interest in applying for financing at BPRS Botani. Meanwhile, religiosity, service quality, public knowledge, administration costs, and promotions do not affect public interest in applying for financing at BPRS Botani.

PENANGANAN KREDIT PEMILIKAN RUMAH SUBSIDI BERMASALAH PADA BANK SYARIAH DALAM PANDANGAN ISLAM (Studi Bank Tabungan Negara Kantor Cabang Syariah Bogor) Fatmawati Agustina; Tubagus Rifqy Thantawi; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

This research is motivated by the increasing demand for housing, but trying to get a house at this time is not an easy thing. The increasingly limited amount of land makes house prices increasingly expensive, especially for people with an average regional minimum wage income. BTN KCS Bogor hereby distributes its funds through subsidized mortgage financing. The amount of funds disbursed by BTN KCS Bogor is relatively high enough that the bank has the risk of non-performing financing. Efforts need to be made to deal with problem financing carried out by BTN KCS Bogor which is different from conventional BTN, namely handling problem financing according to sharia values. This research is qualitative in nature and the data collection method is by conducting interviews at PT BTN-KCS Bogor. The analysis used in this study is a qualitative descriptive analysis. The results show that the handling of problematic financing at BTN KCS Bogor is in accordance with Bank Indonesia and the Financial Services Authority regulations, and Islamic values

ANALISIS 3R PADA PEMBIAYAAN KREDIT PEMILIKAN RUMAH (Studi Bank Tabungan Negara Kantor Cabang Syariah Bogor) Fitri Nur Anggraeni; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

This research is motivated by the frequent occurrence of arrears in the payment of mortgage customer housing loans (KPR). . One of the principles used by banks in assessing whether or not a prospective customer is feasible or not is the 3R analysis (Return, Repayment, Ability to Bear Risk). The purpose of this study was to analyze the 3R factors in the provision of mortgage financing to customers in a study at the State Savings Bank Bogor Sharia Branch Office (BTN KCS Bogor). The method used in this research is descriptive qualitative. The data collection method was carried out using observation, interview and documentation techniques at BTN KCS Bogor. The results of the study show that the 3R factor analysis has been used by BTN KCS Bogor to provide credit. And in the KPR financing assessment mechanism at BTN KCS Bogor using 3R analysis, each has a sharia basis, both taken from the Qur'an and Hadith.

ANALISIS PEMBIAYAAN KREDIT PEMILIKAN RUMAH SYARIAH BAGI NASABAH BERPENGHASILAN RENDAH (Studi Kasus Di Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Pomad) Hilal Luddin; Tubagus Rifqy Thantawi; Azizah Mursyidah
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

The background of this research is the primary need in the form of a house, but until now it has not been fulfilled. Houses are very difficult to obtain for low-income people, even though there are already many financial institutions that can make it happen in fulfilling housing needs for low-income people. There are limitations set by financial institutions, one of which is a limit on the applicant's income, which adds to the difficulties mentioned above. Therefore, this problem is interesting to study, with the existence of a research problem formulation, namely how to analyze the financing of Sharia House Ownership Credit (KPR Syariah) for low-income customers (with case studies at Sharia Bank Bogor Pomad Mandiri Sub-Branch Offices or BSM KCP Bogor Pomad) . This research is a research field with qualitative methods of primary data, secondary data and interviews. The process of data analysis in this study uses descriptive analysis

PENGARUH PEMBIAYAAN BERMASALAH DAN LIKUIDITAS TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH KABUPATEN BOGOR STUDI DATA OTORITAS JASA KEUANGAN TAHUN 2017-2019 Lukman Hakim; Tubagus Rifqy Thantawi; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

This study aims to determine the effect of Non-Performing Financing (NPF) and Liquidity (CR) Profitability (ROA) in BPRS Bogor Regency for the 2017-2019 Period Financial Review of Service Authority Data (OJK). The samples used in this study were 48 samples. Collecting data in this study using purfosive sampling method with the understanding that the data collected is predetermined data. The data analysis technique used is multiple linear regression analysis. The results of this analysis indicate that NPF and CR have a significant effect on ROA.

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Home Page

OAI Link

Editorial Team

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Google Scholar

Contact Name Keris Kartono

Contact Email keriskartono@inais.ac.id

Phone +628389604920

Journal Mail Official keriskartono@inais.ac.id

Editorial Address Jl. Kapten Dasuki Bakri KM 06 Kecamatan Pamijahan Kabupaten Bogor 16810

Location Kab. bogor, Jawa barat INDONESIA

Abstract

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Contact Name
Keris Kartono

Contact Email
keriskartono@inais.ac.id

Phone
+628389604920

Journal Mail Official
keriskartono@inais.ac.id

Editorial Address
Jl. Kapten Dasuki Bakri KM 06 Kecamatan Pamijahan Kabupaten Bogor 16810

Location
Kab. bogor,

Jawa barat

INDONESIA