cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Unang arifin
Contact Email
bcssb@unisba.ac.id
Phone
+6285723033508
Journal Mail Official
bcssb@unisba.ac.id
Editorial Address
UPT Publikasi Ilmiah, Universitas Islam Bandung. Jl. Tamansari No. 20, Bandung 40116, Indonesia, Tlp +62 22 420 3368, +62 22 426 3895 ext. 6891
Location
Kota bandung,
Jawa barat
INDONESIA
Bandung Conference Series : Syariah Banking
Published by Universitas Islam Bandung
ISSN : -     EISSN : 28282574     DOI : https://doi.org/10.29313/bcssb.v2i2
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Bandung Conference Series Syariah Banking (BCSSB) menerbitkan artikel penelitian akademik tentang kajian teoritis dan terapan serta  berfokus pada Perbankan Syariah dengan ruang lingkup adalah Agreement,  Akad, Syirkah, Ba’i Salam,  Bank Syariah,  Etika Bisnis, Fatwa DSN-MUI, Fikih Muamalah,  Gharamah, Investment,  Inflation,  Jaminan, KPS MUI Fatwah,  Lelang, Mudharabah,  Penyelesaian Sengketa, Piutang, Modal, Qardh Pola konsumsi,  Sewa-Menyewa, Sukuk,  Tasir Al-jabari, Zakat Perdagangan, Surrogacy Sukuk Ritel, Mudharabah,  Fikih Muamalah.  Jurnal ini diterbitkan oleh UPT Publikasi Unisba. Artikel yang dikirimkan ke jurnal ini akan diproses secara online dan menggunakan double blind review minimal oleh dua orang mitra bebestari yang ahli dalam bidangnya.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 58 Documents
 2   3   4   5   6 
Pengaruh Strategi Pemasaran Terhadap Minat Gadai Emas di Bank Syariah Indonesia KCP Cianjur Ciranjang 10010321023, Risma Junita Khaerunnisa; Popon Srisusilawati; Akhmad Yusup
Bandung Conference Series: Syariah Banking Vol. 5 No. 1 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.18688

Abstract

Abstract. As competition in the Islamic banking industry increases, PT Bank Syariah Indonesia Tbk KCP Cianjur Ciranjang continues to innovate in marketing strategies to increase customer interest in gold pawn products. This product is a practical Islamic financial solution to meet short-term liquidity needs. Customer interest is not only influenced by marketing strategies, but also fluctuations in gold prices. Increasing gold prices increase the collateral value, thus attracting interest, while price decreases raise doubts. This study aims to analyze the influence of marketing strategies on customer interest in using gold pawn products by considering gold price fluctuations. The method used is quantitative using simple linear regression analysis and using questionnaires to 100 BSI customer respondents KCP Cianjur Ciranjang. Data analysis using SPSS, including validity tests, reliability tests, classical assumption tests, simple linear regression, and hypothesis tests. The results show that marketing strategies have a positive and significant effect on customer interest. Strategies such as product convenience, competitive costs, service access, and direct promotions are effective in increasing interest. The coefficient of determination of 71% indicates that marketing strategies significantly influence interest, while 29% is influenced by other factors including gold price fluctuations. Keywords: Marketing Strategy, Customer Interest, Gold Pawn Abstrak. Seiring meningkatnya persaingan di industri perbankan syariah, PT Bank Syariah Indonesia Tbk KCP Cianjur Ciranjang terus berinovasi dalam strategi pemasaran untuk meningkatkan minat nasabah terhadap produk gadai emas. Produk ini menjadi solusi keuangan syariah yang praktis dalam memenuhi kebutuhan likuiditas jangka pendek. Minat nasabah tidak hanya dipengaruhi strategi pemasaran, tetapi juga fluktuasi harga emas. Kenaikan harga emas meningkatkan nilai jaminan sehingga menarik minat, sementara penurunan harga menimbulkan keraguan. Penelitian ini bertujuan menganalisis pengaruh strategi pemasaran terhadap minat nasabah menggunakan produk gadai emas dengan mempertimbangkan fluktuasi harga emas. Metode yang digunakan adalah kuantitatif dengan menggunakan analisis regresi linear sederhana juga menggunakan kuesioner terhadap 100 responden nasabah BSI KCP Cianjur Ciranjang. Analisis data menggunakan SPSS, meliputi uji validitas, reliabilitas, uji asumsi klasik, regresi linear sederhana, dan uji hipotesis. Hasil penelitian menunjukkan strategi pemasaran berpengaruh positif dan signifikan terhadap minat nasabah. Strategi berupa kemudahan produk, biaya kompetitif, akses layanan, dan promosi langsung efektif meningkatkan minat. Koefisien determinasi sebesar 71% menunjukkan strategi pemasaran memengaruhi minat secara signifikan, sedangkan 29% dipengaruhi faktor lain termasuk fluktuasi harga emas. Kata Kunci: Strategi Pemasaran, Minat Nasabah, Gadai Emas
Pengaruh Pertumbuhan Ekonomi, Inflasi, BI-Rate, dan Tingkat Bagi Hasil Terhadap Pembiayaan Mudharabah pada Bank Victoria Syariah Periode 2013-2024 10010321033, Muhmmad Noval; Akhmad Yusup; Yayat Rahmat Hidayat
Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.20036

Abstract

Abstract. The Islamic banking industry in Indonesia has experienced significant progress, particularly reflected in the growth of financing through mudharabah contracts. However, mudharabah financing at Bank Victoria Syariah during the period 2013–2024 exhibited fluctuating patterns influenced by various internal and external factors. This study aims to analyze the effect of economic growth, inflation, BI-Rate, and profit-sharing rate on mudharabah financing both partially and simultaneously. A quantitative method was employed using secondary data from annual financial reports, analyzed with multiple linear regression through Eviews 12 software at a 5% significance level. The results indicate that partially, economic growth, BI-Rate, and profit-sharing rate have a significant negative effect on mudharabah financing, while inflation shows no significant effect. Simultaneously, all independent variables significantly influence mudharabah financing with an Adjusted R-squared value of 92.29%, indicating that these factors collectively explain 92.29% of the variation in mudharabah financing, while the remainder is affected by other factors outside the model. These findings provide important insights for managing mudharabah financing in Islamic banking Abstrak. Perkembangan industri perbankan syariah di Indonesia mengalami kemajuan signifikan, terutama terlihat dari pertumbuhan pembiayaan dengan akad mudharabah. Namun, pembiayaan mudharabah di Bank Victoria Syariah selama periode 2013–2024 menunjukkan pola fluktuatif yang dipengaruhi oleh berbagai faktor internal dan eksternal. Penelitian ini bertujuan untuk menganalisis pengaruh pertumbuhan ekonomi, inflasi, BI-Rate, dan tingkat bagi hasil terhadap pembiayaan mudharabah, baik secara parsial maupun simultan. Metode yang digunakan adalah kuantitatif dengan data sekunder berupa laporan keuangan tahunan, dianalisis menggunakan regresi linier berganda melalui perangkat lunak Eviews 12 dengan tingkat signifikansi 5%. Hasil penelitian menunjukkan bahwa secara parsial, pertumbuhan ekonomi, BI-Rate, dan tingkat bagi hasil berpengaruh negatif signifikan terhadap pembiayaan mudharabah, sementara inflasi tidak berpengaruh signifikan. Secara simultan, seluruh variabel independen berpengaruh signifikan dengan nilai Adjusted R-squared sebesar 92,29%, menunjukkan bahwa faktor-faktor tersebut bersama-sama menjelaskan 92,29% variasi dalam pembiayaan mudharabah, sedangkan sisanya dipengaruhi oleh faktor lain di luar model. Temuan ini memberikan wawasan penting bagi pengelolaan pembiayaan mudharabah di perbankan syariah.
Pengaruh Lelang Agunan Terhadap Tingkat Pembiayaan Bermasalah di Bank BJB Syariah 10010321030, Saefullah Yusuf; Yayat Rahmat Hidayat; Eva Misfah Bayuni
Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.20042

Abstract

Abstract. The issue of non-performing financing (NPF) is a major challenge in Islamic banking risk management because it can increase the potential for losses. One solution is collateral auctions, which involve the sale of collateral assets to cover customer liabilities. This study aims to analyze the effect of the frequency and value of collateral auctions on the NPF level at Bank BJB Syariah for the 2014–2024 period. The method used was quantitative, with simple linear regression analysis using EViews 12 software, using secondary data from auction realization reports and the annual NPF ratio. The results indicate that collateral auctions have a significant and negative effect on non-performing financing, with every 1% increase in auction implementation reducing the NPF ratio by 0.234%. These findings are expected to provide strategic recommendations for Islamic banks in managing financing risk by optimizing the auction process and serve as a basis for developing policies for resolving non-performing financing that are efficient and in accordance with Sharia principles. Abstrak. Permasalahan pembiayaan bermasalah (Non-Performing Financing/NPF) merupakan tantangan utama dalam manajemen risiko perbankan syariah karena dapat meningkatkan potensi kerugian. Salah satu solusi yang digunakan adalah lelang agunan, yaitu penjualan aset jaminan untuk menutup kewajiban nasabah. Penelitian ini bertujuan menganalisis pengaruh frekuensi dan nilai lelang agunan terhadap tingkat NPF di Bank BJB Syariah periode 2014–2024. Metode yang digunakan adalah kuantitatif dengan analisis regresi linier sederhana melalui software EViews 12, menggunakan data sekunder dari laporan realisasi lelang dan rasio NPF tahunan. Hasil penelitian menunjukkan bahwa lelang agunan berpengaruh signifikan dan negatif terhadap pembiayaan bermasalah, dengan setiap kenaikan 1% pelaksanaan lelang dapat menurunkan rasio NPF sebesar 0,234%. Temuan ini diharapkan dapat menjadi rekomendasi strategis bagi bank syariah dalam mengelola risiko pembiayaan melalui optimalisasi proses lelang, serta menjadi dasar dalam penyusunan kebijakan penyelesaian pembiayaan bermasalah yang efisien dan sesuai prinsip syariah.
Analisis Faktor Determinan Pertumbuhan Pembiayaan Pada Bank Umum Syariah di Indonesia Periode 2016-2024 10010321021, Nuraip; Ifa Hanifia Senjiati; Intan Manggala Wijayanti
Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.21481

Abstract

Abstract. The development of financing at Islamic commercial banks in Indonesia shows instability. Fluctuations in growth in recent years. Financing is influenced by several internal and external factors, such as Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPF). The decline in financing growth in the 2016-2024 period is related to the impact of the COVID-19 pandemic, which slows economic activity and reduces financing demand. This study aims to analyze the influence of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPF) on financing growth at Islamic commercial banks in Indonesia partially and simultaneously. This study uses a quantitative approach using panel data regression analysis with Eviews 12 as its processing tool. The study uses secondary data from annual reports of Islamic commercial banks obtained from the official websites of Islamic commercial banks, for the period 2016-2024. The results of hypothesis testing show that the Third Party Fund Ratio (TPK) has a positive but insignificant effect on financing growth at Islamic commercial banks. CAR has a significant negative effect on financing growth at Islamic commercial banks. NPF has a significant positive effect on financing growth at Islamic commercial banks. Simultaneously, the DPK, CAR, and NPF ratios have a significant effect on financing growth in Islamic commercial banks, the prob value (F-statistic) (0.000000 < 0.05). The coefficient of determination test (R² test) of the panel data regression model between the independent variables: DPK, CAR, and NPF ratios is able to explain the dependent variable of financing growth by 59.97% and the remaining 40.03% is influenced by other factors not found in this study. Abstrak. Perkembangan pembiayaan pada bank umum syariah di Indonesia menunjukan ketidakstabilan . Fluktuasi pertumbuhan beberapa tahun terakhir. pembiayaan dipengaruhi beberapa faktor internal maupun eksternal. Seperti DPK, CAR, dan NPF. Penurunan pertumbuhan pembiayaan pada periode 2016-2024 terkait dengan dampak pandemi COVID-19 memperlambat aktivitas ekonomi dan mangurangi permintaan pembiayaan. penelitian bertujuan menganalisis DPK, CAR, dan NPF mempengaruhi pertumbuhan pembiayaan pada Bank Umum Syariah di Indonesia secara parsial dan simultan. Penelitian ini menggunakan pendekatan kuantitatif menggunakan analisis regresi data panel dengan Eviews 12 sebagai alat pengolahannya. Penelitian menggunakan jenis data sekunder laporan tahunan bank umum syariah diperoleh dari situs resmi bank umum syariah, selama periode 2016-2024. Hasil pengujian hipotesis membuktikan Rasio DPK berpengaruh positif tidak signifikan terhadap pertumbuhan pembiayaan pada bank umum syariah. CAR berpengaruh negatif signifikan terhadap pertumbuhan pembiayaan pada bank umum syariah. NPF berpengaruh positif signifikan terhadap pertumbuhan pembiayaan bank umum syariah. Secara simultan Rasio DPK, CAR, dan NPF berpengaruh signifikan terhadap pertumbuhan pembiayaan pada bank umum syariah, nilai prob (F-statistik) (0.000000 < 0.05). uji koefisien determinasi (Uji R²) model regresi data panel antara variabel independen: Rasio DPK, CAR, dan NPF mampu menjelaskan variabel dependen pertumbuhan pembiayaan sebesar 59.97% dan sisanya 40.03% dipengaruhi faktor lain yang tidak terdapat pada penelitian ini.
Owned By EbRaHiM-VaKeR t.me/ @Hajit00n - @LegionLeakers Thanks: AHORA - Special_One - H4 Expl0it3r: Owned By EbRaHiM-VaKeR t.me/ @Hajit00n - @LegionLeakers Thanks: AHORA - Special_One - H4 Expl0it3r Aam Siti Maryam; Zaini Abdul Malik; Intan Manggala
Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.20554

Abstract

Abstract. BMT Beringharjo is a Sharia-based microfinance institution that plays an important role in supporting the development of Micro, Small, and Medium Enterprises (MSMEs). One of its main financing products is murabahah financing, a sale-and-purchase scheme with an agreed-upon profit margin in accordance with Islamic principles. This financing provides a fair alternative for MSME actors who need working capital while avoiding interest-based systems. This study aims to examine the process of providing murabahah financing at BMT Beringharjo Bandung and its influence on the business development of financing recipients. The research method used is quantitative by distributing questionnaires to 60 respondents who received murabahah financing. The data were analyzed using validity and reliability tests, as well as simple linear regression to measure the relationship between financing and business development, supported by qualitative descriptive data through observation and documentation. The results show that all indicators are valid and reliable, with a Cronbach's Alpha value of 0.878. A correlation coefficient of 0.753 and a determination coefficient of 0.568 indicate a positive and significant influence of murabahah financing on MSME development. This proves that murabahah financing is not only a financial solution but also contributes significantly to the growth and empowerment of microenterprises. Abstrak. BMT Beringharjo adalah lembaga keuangan mikro berbasis syariah yang berperan penting dalam mendukung pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM). Salah satu produk utama yang ditawarkan adalah pembiayaan murabahah, yakni skema jual beli barang dengan margin keuntungan yang disepakati sesuai prinsip Islam. Pembiayaan ini menjadi alternatif yang adil bagi pelaku UMKM yang membutuhkan modal kerja tanpa sistem bunga. Penelitian ini bertujuan untuk mengetahui proses pemberian pembiayaan murabahah di BMT Beringharjo Bandung serta pengaruhnya terhadap perkembangan usaha penerima pembiayaan. Metode penelitian yang digunakan adalah kuantitatif melalui penyebaran kuesioner kepada 60 responden penerima pembiayaan. Analisis dilakukan dengan uji validitas, reliabilitas, serta regresi linear sederhana untuk mengukur hubungan antara pembiayaan dan perkembangan usaha, didukung data deskriptif kualitatif melalui observasi dan dokumentasi. Hasil penelitian menunjukkan seluruh indikator valid dan reliabel dengan nilai Cronbach’s Alpha 0,878. Koefisien korelasi sebesar 0,753 dan determinasi 0,568 menunjukkan pengaruh positif dan signifikan pembiayaan murabahah terhadap perkembangan UMKM. Hal ini membuktikan bahwa pembiayaan murabahah tidak hanya menjadi solusi keuangan, tetapi juga berkontribusi nyata dalam meningkatkan pertumbuhan dan pemberdayaan usaha mikro. Owned By EbRaHiM-VaKeR t.me/ @Hajit00n - @LegionLeakers Thanks: AHORA - Special_One - H4 Expl0it3r
Pengaruh Sales Promotion terhadap Keputusan Penggunaan Fintech Non-Syariah Fathia Rizki Zahra Ratu Sania; Nanik Eprianti; Intan Manggala Wijayanti
Bandung Conference Series: Syaria Banking 121-128
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24548

Abstract

Abstract. The dominance of conventional e-wallet platforms in Indonesia's digital payment ecosystem, controlling more than 90% of market share, is largely driven by aggressive sales promotion strategies such as cashback, discounts, and reward points. This phenomenon also appears among twelfth-grade students of MA Plus Al-Islam Garut, a madrasah that formally teaches Islamic transaction jurisprudence (Fiqh Muamalah) yet whose students remain heavy users of non-Sharia fintech products for daily transactions. This study analyzes the influence of Sales Promotion on the decision to use non-Sharia fintech products among twelfth-grade students of MA Plus Al-Islam Garut. A quantitative associative-causal survey used total (saturated) sampling across the population of 67 students. Primary data were collected via a Likert-scale questionnaire and analyzed using simple linear regression after validity, reliability, and classical assumption tests. Results show that Sales Promotion has a positive and significant partial effect on the decision to use non-Sharia fintech products, with a t-count of 3.916, a significance value of 0.000 (< 0.05), and a positive regression coefficient of 0.355. These findings confirm that short-term financial incentives consistently and repeatedly drive madrasah students' usage of conventional platforms, indicating the need for the Sharia fintech industry to design more competitive promotional strategies. Abstrak. Dominasi platform e-wallet konvensional dalam ekosistem pembayaran digital Indonesia, yang menguasai lebih dari 90% pangsa pasar, sangat ditopang oleh strategi sales promotion yang agresif seperti cashback, diskon, dan poin reward. Fenomena ini turut terjadi pada siswa kelas XII MA Plus Al-Islam Garut, madrasah yang secara formal mengajarkan Fikih Muamalah, namun siswanya tetap masif menggunakan produk fintech non-syariah dalam transaksi sehari-hari. Penelitian ini menganalisis pengaruh faktor Sales Promotion terhadap keputusan penggunaan produk fintech non-syariah pada siswa kelas XII MA Plus Al-Islam Garut. Penelitian menggunakan pendekatan kuantitatif dengan desain survei asosiatif kausal dan teknik sampel jenuh terhadap seluruh populasi 67 siswa. Data primer dikumpulkan melalui kuesioner berskala Likert dan dianalisis dengan regresi linier sederhana setelah melalui uji validitas, reliabilitas, dan uji asumsi klasik. Hasil penelitian menunjukkan bahwa Sales Promotion berpengaruh positif dan signifikan secara parsial terhadap keputusan penggunaan produk fintech non-syariah, dengan nilai t hitung 3,916 dan signifikansi 0,000 (< 0,05), serta koefisien regresi positif sebesar 0,355. Temuan ini menegaskan bahwa insentif finansial jangka pendek mampu mendorong perilaku penggunaan siswa madrasah terhadap platform konvensional secara konsisten dan berulang, sehingga industri fintech syariah perlu merancang strategi promosi yang lebih kompetitif.
Determinan Profitabilitas Bank KB Bukopin Syariah Dan Bank BTPN Syariah (Studi Perbandingan Npf, Bopo, Fdr Terhadap Roa 2014-2025) Nanda Siti Fadilah Ramdan 10010322046; Nanik Eprianti; Eva Misfah Bayuni
Bandung Conference Series: Syaria Banking Vol. 5 No. 2 (2026): Bandung Conference Series: Syariah Banking
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract. Islamic banks are expected to maintain financial stability while adhering to the principles of justice, prudence, and sustainability. However, the profitability of Bank KB Bukopin Syariah and Bank BTPN Syariah diverged considerably during 2014–2025, with the former recording negative Return on Assets (ROA) in several quarters while the latter remained relatively stable. This study aims to compare the effects of Non-Performing Financing (NPF), Operating Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on ROA at both banks, both partially and simultaneously. A quantitative method with an associative-causal design and comparative approach was employed, using multiple linear regression estimated separately for each bank. Secondary data were obtained from quarterly financial statements published on the official websites of both banks. Purposive sampling produced 44 quarterly observations for each bank, which were analyzed using EViews 12. The findings indicate that NPF and FDR have no significant partial effect on ROA, whereas BOPO has a significant negative effect on ROA in both banks. Simultaneously, NPF, BOPO, and FDR significantly influence ROA. Bank BTPN Syariah demonstrates more consistent profitability, primarily due to stronger operational efficiency and more effective financing risk management, compared with Bank KB Bukopin Syariah. Abstrak. Islamic banks are expected to maintain financial stability while adhering to the principles of justice, prudence, and sustainability. However, the profitability of Bank KB Bukopin Syariah and Bank BTPN Syariah diverged considerably during 2014–2025, with the former recording negative Return on Assets (ROA) in several quarters while the latter remained relatively stable. This study aims to compare the effects of Non-Performing Financing (NPF), Operating Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on ROA at both banks, both partially and simultaneously. A quantitative method with an associative-causal design and comparative approach was employed, using multiple linear regression estimated separately for each bank. Secondary data were obtained from quarterly financial statements published on the official websites of both banks. Purposive sampling produced 44 quarterly observations for each bank, which were analyzed using EViews 12. The findings indicate that NPF and FDR have no significant partial effect on ROA, whereas BOPO has a significant negative effect on ROA in both banks. Simultaneously, NPF, BOPO, and FDR significantly influence ROA. Bank BTPN Syariah demonstrates more consistent profitability, primarily due to stronger operational efficiency and more effective financing risk management, compared with Bank KB Bukopin Syariah.
Pengaruh DPK, Pembiayaan Mikro Syariah dan Inflasi terhadap Pertumbuhan Ekonomi Indonesia Raisya Alipya 10010322037; Udin Saripudin; Yayat Rahmat Hidayat
Bandung Conference Series: Syaria Banking Vol. 5 No. 2 (2026): Bandung Conference Series: Syariah Banking
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract. Islamic microfinance institutions, particularly Bank Pembiayaan Rakyat Syariah (BPRS), theoretically serve an intermediary function that should accelerate national economic growth. However, although third-party funds (DPK) and financing distributed by BPRS in Indonesia grew consistently from 2015 to 2024, this growth has not always been followed by a corresponding contribution to national economic growth. This study analyzes the short-run and long-run relationship between DPK, BPRS financing, inflation, and Indonesia's economic growth (GDP), using the Autoregressive Distributed Lag (ARDL) approach on quarterly secondary data from 2015 to 2024, sourced from the Financial Services Authority (OJK), Bank Indonesia, and Statistics Indonesia (BPS). The bounds testing results confirm the existence of a long-run relationship among the variables (F-statistic = 5.34). In the short run, DPK at the second lag and BPRS financing at the third lag significantly affect GDP, while in the long run none of the independent variables show a significant partial effect, although the error correction term is negative and significant, indicating a rapid adjustment mechanism toward equilibrium. These findings are interpreted through Financial Intermediation Theory and Endogenous Growth Theory, suggesting that the intermediation function of BPRS is directionally consistent with theory but has not yet reached a scale sufficient to produce a statistically significant macroeconomic impact. Abstrak. Lembaga keuangan mikro syariah, khususnya Bank Pembiayaan Rakyat Syariah (BPRS), secara teoritis berperan sebagai lembaga intermediasi yang seharusnya mempercepat pertumbuhan ekonomi nasional. Namun, meskipun Dana Pihak Ketiga (DPK) dan pembiayaan yang disalurkan BPRS di Indonesia terus tumbuh secara konsisten selama 2015-2024, peningkatan tersebut tidak selalu diikuti oleh kontribusi yang sepadan terhadap pertumbuhan ekonomi nasional. Penelitian ini menganalisis hubungan jangka pendek dan jangka panjang antara DPK, pembiayaan BPRS, inflasi, dan pertumbuhan ekonomi Indonesia (PDB), menggunakan pendekatan Autoregressive Distributed Lag (ARDL) pada data sekunder kuartalan periode 2015-2024, bersumber dari Otoritas Jasa Keuangan (OJK), Bank Indonesia, dan Badan Pusat Statistik (BPS). Hasil uji kointegrasi bounds test mengonfirmasi adanya hubungan jangka panjang antar variabel (F-statistic = 5,34). Dalam jangka pendek, DPK pada lag kedua dan pembiayaan BPRS pada lag ketiga berpengaruh signifikan terhadap PDB, sementara dalam jangka panjang tidak ada satu pun variabel independen yang berpengaruh signifikan secara parsial, meskipun error correction term bernilai negatif dan signifikan, menunjukkan mekanisme penyesuaian yang berlangsung cepat menuju keseimbangan. Temuan ini diinterpretasikan melalui Teori Intermediasi Keuangan dan Teori Pertumbuhan Endogen, yang menunjukkan bahwa fungsi intermediasi BPRS secara arah sudah konsisten dengan teori, namun belum mencapai skala yang cukup untuk menghasilkan dampak makroekonomi yang signifikan secara statistik.
Pengaruh Faktor Keuangan terhadap Laba Bersih Bank Aladin Syariah 2015–2025 Egi Pribadi; Ifa Hanifia Senjiati; Irma Yulita Silviany
Bandung Conference Series: Syaria Banking 9-18
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.22874

Abstract

Abstract. This study aims to analyze the factors influencing the accident insurance claim rate among students of Universitas Islam Bandung from the 2022–2023 cohorts. The phenomenon of low utilization of insurance claim facilities, despite all students being registered as participants, serves as the basis of this research. The independent variables examined include understanding of accident insurance products and insurance claim procedures, while the dependent variable is the accident insurance claim rate. This research employs a quantitative approach with questionnaires distributed to 98 respondents selected using the Slovin formula. The analytical techniques used include multiple linear regression, t-test, F-test, and coefficient of determination to determine the influence of each variable. The results of this study are expected to indicate that both insurance product understanding and claim procedures have a positive and significant effect on the accident insurance claim rate, either partially or simultaneously. This research contributes to improving students' literacy regarding insurance and provides recommendations for the university to enhance education and service mechanisms related to accident insurance programs so that the protection offered can be utilized more optimally. Abstrak. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi tingkat klaim asuransi kecelakaan pada mahasiswa Universitas Islam Bandung angkatan 2022–2023. Fenomena rendahnya pemanfaatan fasilitas klaim asuransi meskipun seluruh mahasiswa telah terdaftar menjadi dasar penelitian ini. Variabel yang diteliti meliputi pemahaman produk asuransi dan prosedur klaim asuransi sebagai variabel independen, serta tingkat klaim asuransi sebagai variabel dependen. Metode penelitian menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 98 responden yang ditentukan melalui rumus Slovin. Teknik analisis yang digunakan adalah regresi linier berganda, uji t, uji F, dan koefisien determinasi untuk mengetahui pengaruh masing-masing variabel. Hasil penelitian diharapkan menunjukkan bahwa pemahaman produk asuransi dan prosedur klaim berpengaruh positif dan signifikan terhadap tingkat klaim asuransi kecelakaan, baik secara parsial maupun simultan. Penelitian ini memberikan kontribusi dalam meningkatkan literasi mahasiswa tentang asuransi serta menjadi masukan bagi pihak kampus untuk mengoptimalkan layanan dan sosialisasi program asuransi kecelakaan agar perlindungan yang diberikan dapat dimanfaatkan secara maksimal.
Pengaruh Cyber Crime terhadap Risiko Reputasi pada Bank Syariah Indonesia Argia Pratama; Zaini Abdul Malik; Eva Misfah Bayuni
Bandung Conference Series: Syaria Banking 19-26
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.22905

Abstract

Abstract. The rapid development of information technology demands a fast, efficient, and transparent public service system, including in the management of government administration and the banking sector. The increasing use of digital platforms not only provides convenience but also opens up opportunities for cybercrime, which can have a serious impact on institutional reputation, particularly in Islamic banking. Based on this issue, this study aims to analyze the influence of cybercrime on reputational risk at Bank Syariah Indonesia (BSI) KCP Universitas Islam Bandung, as well as to provide comprehensive mitigation strategy recommendations to minimize the long-term negative impacts. This research employs a quantitative method with a descriptive-verificative approach. Primary data were collected through questionnaires distributed to 100 respondents who are active customers of BSI KCP Universitas Islam Bandung. The data were analyzed using simple linear regression to determine the extent of cybercrime’s influence on reputational risk and a significance test to examine the empirical and statistical relationship between variables. The results show that cybercrime has a positive and significant effect on reputational risk, as evidenced by a significance value of 0.000 (< 0.05) and a regression coefficient of 0.622. The Adjusted R² value of 0.374 indicates that 37.4% of the variation in reputational risk is explained by cybercrime, while the remaining portion is influenced by other factors such as digital security systems, customer trust levels, and communication strategies. Furthermore, this study recommends that banks enhance cybersecurity systems and strengthen reputational risk management through regular monitoring, employee digital security training, and transparent communication with customers.. Abstrak. Perkembangan teknologi informasi yang pesat menuntut adanya sistem pelayanan publik yang cepat, efisien, dan transparan, termasuk dalam pengelolaan administrasi pemerintahan maupun sektor perbankan. Aktivitas digital yang semakin meningkat tidak hanya memberikan kemudahan, tetapi juga membuka peluang terjadinya cybercrime yang dapat berdampak serius terhadap reputasi lembaga, khususnya perbankan syariah. Berdasarkan hal tersebut, penelitian ini bertujuan untuk menganalisis pengaruh cybercrime terhadap risiko reputasi pada Bank Syariah Indonesia (BSI) KCP Universitas Islam Bandung, serta memberikan rekomendasi strategi mitigasi yang komprehensif untuk meminimalkan dampak negatif yang ditimbulkan dalam jangka panjang. Penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptifverifikatif. Data primer dikumpulkan melalui penyebaran kuesioner kepada 100 responden yang merupakan nasabah aktif BSI KCP Universitas Islam Bandung. Analisis data dilakukan dengan menggunakan regresi linier sederhana untuk mengetahui besarnya pengaruh cybercrime terhadap risiko reputasi serta uji signifikansi untuk menguji hubungan antar variabel secara empiris dan statistik. Hasil penelitian menunjukkan bahwa cybercrime berpengaruh positif dan signifikan terhadap risiko reputasi, dibuktikan dengan nilai signifikansi sebesar 0,000 (< 0,05) dan koefisien regresi sebesar 0,622. Nilai Adjusted R² sebesar 0,374 mengindikasikan bahwa 3 7,4% variasi risiko reputasi dijelaskan oleh variabel cybercrime, sedangkan sisanya dipengaruhi oleh faktor lain seperti sistem keamanan digital, tingkat kepercayaan nasabah, dan strategi komunikasi bank. Selanjutnya, penelitian ini merekomendasikan agar bank meningkatkan sistem keamanan Cyber serta memperkuat manajemen risiko reputasi melalui pengawasan berkala, pelatihan keamanan digital bagi karyawan, dan komunikasi yang transparan kepada nasabah.

Page 4 of 6 | Total Record : 58

 2   3   4   5   6 

Filter by Year

2017 2026


Reset
Filter By Issues
All Issue Vol. 5 No. 2 (2026): Bandung Conference Series: Syariah Banking Vol. 5 No. 1 (2025): Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking Vol. 3 No. 2 (2024): Bandung Conference Series: Syariah Banking Vol. 3 No. 1 (2024): Bandung Conference Series: Syariah Banking Vol. 2 No. 1 (2023): Bandung Conference Series: Syariah Banking Vol. 1 No. 1 (2022): Bandung Conference Series: Syariah Banking 2017-224 209-216 201-208 191-200 181-190 173-180 165-172 155-164 147-154 137-146 129-136 121-128 105-112 97-104 87-96 55-64 45-54 37-44 27-36 19-26 9-18 More Issue