Jurnal Perbankan Syariah Darussalam (JPSDa)
Jurnal Perbankan Syariah Darussalam (JPSDA) aims to provide a channel for the publication of articles based on original research as well as commentaries on a range of areas including of Islamic banking, bank and non-bank financial institutions, management of financial institutions, and economics and other related topics. The scope of Jurnal Perbankan Syariah Darussalam (JPSDA) are Islamic banking, management of financial institutions and Economics. Jurnal Perbankan Syariah Darussalam (JPSDA)accept submission from all over the world. All accepted articles will be published on payment of an article-processing charge, and will be freely available to all readers with worldwide visibility and coverage.
Articles
87 Documents
<![CDATA[Analisis Nisbah dan Angsuran Terhadap Pembiayaan Kredit Usaha Rakyat (KUR) di BriSyariah KCP Genteng Banyuwangi ]]>
<![CDATA[Nur Anim Jauhariyah]]>;
<![CDATA[Ahmad Saiful Amin]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 1 (2021): Januari 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i1.781
<![CDATA[This study uses a quantitative approach by determining the research sample using data collection techniques obtained from the number of respondents 24 customers. The independent variables of this study are Nisbah (X1) and Installments (X2), while the dependent variable (Y) is Financing using micro small business credit products (KUR) iB. The analysis tool uses multiple regression with the help of SPSS software.The results of the study 1) Significantly the ratio (X1) has an effect on the financing (Y) of the people's business credit (KUR) micro and small iB products; 2) Significantly the installment (X2) has no effect on the financing (Y) of the people's business credit (KUR), micro and small iB; 3) Simultaneously, the ratio (X1) and installments (X2) have a significant effect on the financing (Y) of the iB micro and small business credit (KUR) product at BRISyariah KCP Genteng, Banyuwangi Regency.]]>
<![CDATA[Analisis Giro Wadi’ah dan Tabungan Wadi’ah Terhadap Laba PT BNI Syariah ]]>
<![CDATA[Siti Nur Indah Rofiqoh]]>;
<![CDATA[Arina Qurota Aini]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 1 (2021): Januari 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i1.784
<![CDATA[The research objectives of this study are: To determine the influence of wadi'ah demand deposits on PT BNI syariah earnings, to find out the amount of wadi'ah savings on PT BNI Syariah earnings and to know the simultaneous influence between wadi'ah demand deposits and wadi'ah savings on profit (Y) of PT BNI Syariah. This type of research is quantitative research. The data analysis technique used in this study is multiple linear regression. The results of this study are 1) Significantly current account (X1) to earnings (Y) is obtained tcount]]>
<![CDATA[Peran Customer Service Dalam Meningkatkan Loyalitas Nasabah Pada PT BRI Syariah KCP Genteng Kabupaten Banyuwangi ]]>
<![CDATA[Munawir Munawir]]>;
<![CDATA[Anisatul Khoiriyah]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 1 (2021): Januari 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i1.786
<![CDATA[This research uses a qualitative method with the type of descriptive research. The data analysis technique used in this study is the interactive model. The research uses primary and secondary data sources.The results of this study indicate that the role of customer service is very important in the world of banking and the service strategy of a customer service has been very good in increasing customer loyalty at BRI Syariah Syariah Banyuwangi Branch Office.Based on the results of the study, the conclusion of this study is the role of customer service in increasing the loyalty of saver customers is very important, this is indicated by the results of interviews that researchers have done that is the majority of their satisfaction and makes them loyal to the BRI Syariah Bank Genteng Branch Office. Customer loyalty can be known by their desire to continue to use the services of Bank BRI Syariah Genteng Branch Offices, it can all be shown from the services that make them comfortable to witness and continue to use the services of the bank without switching to another bank. That way the quality of service that is already good from customer service is improved again to a better level so that customers remain loyal.]]>
<![CDATA[Analisis Pembiayaan Mudharabah dan Musyarakah Terhadap Profitabilitas Bank di BNI Syariah ]]>
<![CDATA[Fitri Nur Latifah]]>;
<![CDATA[Dwi Hanifatul Ma’unah]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 1 (2021): Januari 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i1.789
<![CDATA[The purpose of this study is 1) To find out and analyze the influence of mudharabah financing (X1) significantly on bank profitability (Y). 2) To find out and analyze the influence of musharaka financing (X2) significantly on bank profitability (Y) 3) To find out and analyze the influence of mudharabah financing (X1) and musyarakah financing (X) which significantly affect bank profitability (Y).This research uses a quantitative approach to the type of research Explanatory Research. Determination of the sample using purposive sampling was obtained from the 2010-2018 annual financial statements. The independent variable of this study is mudharabah financing (X1) and musyarakah financing (X2), while the dependent variable (Y) is bank profitability. The analysis tool uses multiple linear regression with the help of SPSS software.]]>
<![CDATA[Strategi Pemasaran Syariah Pada Produk Tabungan Tarbiyah di BMT UGT Sidogiri Capem Banyuwangi ]]>
<![CDATA[Bibit Wahyudi]]>;
<![CDATA[Aula Izatul Aini]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 1 (2021): Januari 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i1.791
<![CDATA[The research method used is descriptive qualitative, with a case study approach. The data analysis tool used is the IFAS, EFAS and SWOT analysis. The results show the distribution strategies used by BMT in exploiting the strengths of the opportunities that have been identified: BMT optimizes employee performance to keep up with the ever-increasing population, maintains the good name of the cooperative to attract sympathy for prospective members, strengthens the good name of BMT in the community by implementing the sharia system and performs a direct approach with the middle to lower society in particular. In minimizing weaknesses in order to take advantage of opportunities: increase the frequency of training for human resource supplies, improve technology-based facilities and continue to actively publish products on various media. In using strength to overcome threats: BMT develops and adapts marketing models, creates more attractive product variation styles and maintains the characteristics of sharia-based products. In minimizing weaknesses in order to avoid threats: conducting training programs to increase employee competence, spreading the name of sharia when involved in the field and optimizing marketing in all media.]]>
<![CDATA[Pengaruh Latar Belakang Pendidikan dan Pelatihan Terhadap Kinerja Karyawan PT. Bank Muamalat Indonesia ]]>
<![CDATA[Nasyiatul Faridah]]>;
<![CDATA[Lailatul Hikmah]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 1 (2021): Januari 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i1.792
<![CDATA[The purpose of this study is 1) to determine the effect of educational background (X1) on employee performance (Y); 2) to determine the effect of training (X2) on employee performance (Y); 3) to determine the effect of educational background (X1) and training (X2) simultaneously on employee performance (Y). The research method is quantitative with the type of survey research. The results of study 1) there is a positive and significant influence of educational background (X1) on employee performance (Y); 2) there is a positive and significant influence of training (X2) on employee performance (Y); 3) there is a positive and significant influence of educational background (X1) and training (X2) simultaneously on employee performance (Y).]]>
<![CDATA[Analisis Penerapan Akad Mudhorobah Muthlaqoh Pada Produk Tabungan Ib Hijrah Prima di PT. Bank Muamalat Indonesia ]]>
<![CDATA[Hari Basuki]]>;
<![CDATA[Maslihatun Khasanah]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 1 (2021): Januari 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i1.793
<![CDATA[Mudharabah Muthlaqah is where shahibul maal gives full discretion to the manager (mudharib) to use the funds in a business which he considers to be good and profitable. However, the manager is still responsible for managing it in accordance with normal healthy business practices (uruf). In the DSN-MUI review of the implementation of the muthlaqoh mudhorobah contract on the savings from the prime hijrah, the researchers analyzed that it was appropriate. Because based on the DSN-MUI fatwa regarding justified savings are savings based on mudhorobah and wadi'ah principles, while unjustified savings are savings based on interest calculations. research using qualitative research methods that use descriptive analysis. The results of this study indicate that the application of the mudhorobah muthlaqoh agreement on iB hijrah prima savings in calculating the profit sharing that must be considered is HI-1000 (read ha-i-thousand) which every month there is always a change and based on the average customer balance at each the month with the existence of the ratio waad.]]>
<![CDATA[Pengaruh Motivasi Kerja Dan Disiplin Kerja Terhadap Kinerja Karyawan Pada Bank BRI Syariah ]]>
<![CDATA[Ruhul Amin]]>;
<![CDATA[Siti Dina Hariroh]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 1 (2021): Januari 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i1.794
<![CDATA[The current era of globalization has an impact on the development of a business, organization or company consisting of many components that compose into one unit for the same purpose, motivation and discipline in working at BRI Syariah bank. This type of research is quantitative, using the method of observation, interviews, questionnaires and documentation. Multiple regression analysis tool. Based on the results of the study, it shows that there is a positive and significant effect between variable X1 on variable Y has a regression coefficient value of 2.762. There is a positive but not significant effect between variable X2 on variable Y has a regression coefficient value of -.223. There is a positive and significant effect simultaneously between variables X1 and X2 on variable Y. Variable X1 is a variable that is considered more dominant and significant to variable Y with a probability number of 0.016 and a regression coefficient value of 2.762.]]>
<![CDATA[Pengaruh Kepercayaan, Transparansi dan Akuntabilitas terhadap Minat dan Keputusan Muzakki Menyalurkan Zakat, di (LAZISNU) Kabupaten Banyuwangi ]]>
<![CDATA[muhammad kanzul fikri]]>;
<![CDATA[ahmad ainun najib]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 2 (2021): Juli 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i2.890
<![CDATA[The purpose of this study was to determine the effect of trust, transparency and accountability on muzakki's interests and decisions. Subjects in this study were muzakki in Banyuwangi district which were channeled through LAZISNU with a total of 110 respondents. This type of research uses quantitative methods with the type of experiment in the form of explanatory research. The results showed that there was a significant influence between trust in muzakki interest with tcount ˃ttable (4.390> 1.659) and a significance value of 0.00 <0.05. There is a significant influence between transparency on muzakki interest with tcount ˃ttabel (2.763> 1.659) and a significance value of 0.007 <0.05 and there is a significant effect between accountability on muzakki interest with tcount ˃ttabel (3.674> 1.659) and a significance value of 0.00 <0.05, and there is a significant influence between accountability on muzakki decisions with tcount ˃ttable (2.481> 1.659) and a significance value of 0.015 <0.05 and there is a significant influence between muzakki interest on muzakki decisions with tcount ˃ t table (3.905> 1.659) and a significance value of 0.00 <0.05, but the insignificant effect between trust in muzakki decisions with t count <t table (1.615 <1.659) and a significance value of 0.109> 0.05 and transparency towards decisions muzakki with tcount <ttable (1.208 <1.659) and a significance value of 0.230> 0.05.]]>
<![CDATA[Peran BWM Al-Fithrah Wava Mandiri Surabaya terhadap UMKM (Nasabah BWM) yang usahanya terdampak Pandemi Covid 19: Fenomenologi Study ]]>
<![CDATA[Ahlul Maghfiroh]]>;
<![CDATA[Naylil Muna]]>;
<![CDATA[Moh. Arifin]]>;
<![CDATA[Nasyiatul Farida]]>
<![CDATA[ JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 2 (2021): Juli 2021 ]]>
Publisher : <![CDATA[Institut Agama Islam Darussalam Blokagung Banyuwangi ]]>
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DOI: 10.30739/jpsda.v1i2.994
<![CDATA[Penelitian ini di latar belakangi oleh hadirnya Pandemi Covid 19 di tengah perekonomian masyarakat, terlebih pada UMKM dimana daya jual beli akan menurun dengan adanya kebijakan PSBB yang di berlakukan, Peran pemerintah dan Lembaga keungan sangat di perlukan masyarakat, salah satunya adalah peran Bank Wakaf Mikro (BWM) dalam menaungi pelaku UMKM. Penelitian ini bertujuan untuk mengetahui peran BWM Al Fithrah Wava Mandiri Surabaya terhadap pelaku UMKM yang resmi terdaftar menjadi nasabahnya dimana usahnya benar-benar terdampak Pandemi Covid 19. Rumusan masalah dari penelitian ini : Pertama, Siapa saja Pelaku UMKM yang resmi menjadi nasabah BWM Al Fithrah Wava Mandiri namun usahnya sangat terdampak pandemi Covid 19? Kedua, Sejauh mana Peran BWM dalam menindaklanjuti hal tersebut, dan yang ketiga adalah kebijakan yang akan di keluarkan BWM Al Fithrah Wava Mandiri yang menyudut pada permasalahan tersebut.Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kualitatif dengan jenis penelitian Fenomenology Study, bersumber dari data primer yang diperoleh pada saat melakukan penelitian di BWM Al Fithrah Wava Mandiri Surabaya dan didukung dengan data sekunder yang dapat diperkuat dengan literatur review sebagai pelengkap dengan menggunkan teknik pengumpulan data melalui wawancara, observasi dan dokumetasi. Berdasarkan hasil penelitian di lapangan, Kebijakan Restrukturisasi yang di berikan BWM Al-Fithrah Wava Mandiri sangat berperan bagi nasabah BWM Al-Fithrah Wava Mandiri sebagai pelaku UMKM, Kebijakan ini sesuai dengan CNBC Indonesia-Presiden RI dalam keterangan pers hari selasa 24/3/2020 yang menyampaikan bahwa Otoritas Jasa Keuangan (OJK) memberikan kelonggaran atau relaksasi kredit yang diperuntukkan bagi usaha kecil dan pekerja informal yang sedang menjalankan angsuran, hal ini sangat membantu dan memudahkan nasabah sebagai pelaku UMKM mengenai keringanan waktu yang diberikan.]]>
