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Jurnal Perbankan Syariah Darussalam (JPSDa)
Published by institut Agama Islam Darussalam blokagung Banyuwangi
ISSN : -     EISSN : 27756084     DOI : https://doi.org/10.30739/jpsda.v1i1.781
Core Subject : Economy,
Economics, Econometrics & Finance
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 8 Documents
 1 
Search results for , issue "Vol. 4 No. 2 (2024): Juli 2024" : 8 Documents clear
Pengaruh Self-Assessment Good Corporate Governance Terhadap Return On Asset (Roa) Pada Sektor Perbankan Syariah Yang Terdaftar Di Bei 2015-2022 latifah, latifah; Nasution, Dinda Pradina; Mingka, Asrawi Fahmi; Iqbal, M.
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.2926

Abstract

This research was conducted to analyze the influence of self-assessment good corporate governance on return on assets in the sharia banking sector listed on the IDX 2015-2022. This research uses a quantitative type of research with a descriptive approach. The sample used in this research was a saturated sampling technique. Self-assessment data on good corporate governance and return on assets in the sharia banking sector listed on the IDX for the 2015-2022 period were used as samples with a sample size of 31 samples. The data in this study were analyzed using computer software, namely the IBM SPSS Statistics 26 application program. The results of the research show that self-assessment of good corporate governance has a negative relationship and has a significant effect on return on assets in the sharia banking sector listed on the BEI for the 2015-2022 period. This is known from the calculated t-coefficient, namely -4.178 with a sig-t value of 0.000 < 0.05.
Pengaruh Kinerja Keuangan Berdasarkan Return On Asset (Roa), Return On Equity (Roe), Beban Operasional Pendapatan Operasional (Bopo), Financing To Deposit Ratio (Fdr) Terhadap Pengeluaran Zakat Bank Umum Syariah Indonesia mustafidah, wiwit; Dimas Arisandi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3131

Abstract

The aim of this research is to determine whether there is a significant influence on financial performance based on ROA, ROE, BOPO, and FDR on the expenditure of zakat funds in Indonesian sharia commercial banks partially and simultaneously. This type of research uses quantitative methods. The population and sample taken in this research are Indonesian sharia commercial banks which issue annual financial reports which are published on their respective websites. This research uses secondary data obtained on the websites of each bank. The data analysis technique uses multiple linear regression analysis. The results of this research show that ROA and ROE do not have a significant influence on the expenditure of zakat funds from Sharia commercial banks in Indonesia, while BOPO and FDR have a significant influence. Simultaneously, the variables ROA, ROE, BOPO and FDR have a significant influence on the expenditure of zakat funds from Sharia commercial banks in Indonesia.
THE NEGATIVE IMPACT OF ONLINE SHOPPING SYSTEMS FOR MICRO-ENTREPRENEURS: A PHENOMENOLOGICAL PERSPECTIVE Alfiqri, Mhd; Hidayatul Insani, Ilmiah; Aulia, Tita; Romadhani, Rizka Andika; Budianto, Lestari; Alamsyah, Lutvi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3141

Abstract

This study examines the adverse effects of online shopping systems on micro-entrepreneurs from a phenomenological perspective. As e-commerce platforms expand, micro-entrepreneurs face significant challenges that threaten their survival and growth. Through in-depth interviews and analysis of lived experiences, this research uncovers the multifaceted impact of online shopping systems on these small business owners. Key findings highlight increased competition, reduced profit margins, and the loss of direct customer relationships. Additionally, the study reveals how the technological and logistical demands of e-commerce can overwhelm micro-entrepreneurs who lack the resources and expertise to adapt. The findings suggest that while online shopping systems offer opportunities for broader market access, they also create barriers that can exacerbate existing vulnerabilities within this business segment. By exploring these challenges through a phenomenological lens, this research provides a deeper understanding of the personal and professional struggles micro-entrepreneurs face in the digital marketplace. The study calls for more supportive measures and tailored solutions to help micro-entrepreneurs navigate the complexities of online commerce, ensuring their sustainability and contribution to the economy.
ELECTIONS AND THE ECONOMY OF ISLAMIC BOARDING SCHOOLS IN INDONESIA: POSITIVE AND NEGATIVE IMPACTS Lestari, Dwi Puji; Sa’niyah, Jumrotus; Wahib, Mahasinul; Garijati Arkiang, Rochdal; Budianto, Lestari; Lesmana, Ceta Indra
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3219

Abstract

This research article explores the complex relationship between electoral processes and the economic dynamics of Islamic boarding schools (pesantren) in Indonesia. Through a comprehensive analysis of the economic activities and funding sources of pesantren, this research aims to identify both the beneficial and detrimental impacts of elections on these religious institutions. The research highlights how political campaigns and promises of financial support during election periods can lead to increased investments and improvements in infrastructure within pesantren. Conversely, the research also uncovers the potential for economic instability caused by the politicization of educational funding, leading to fluctuating resources and dependency on political agendas. By examining case studies from various regions, the article provides a nuanced understanding of how electoral outcomes can influence the sustainability and economic resilience of Islamic boarding schools. The findings underscore the need for a more stable and transparent funding mechanism that ensures the financial health of pesantren, irrespective of political cycles. This research contributes to the broader discourse on the intersection of politics, education, and religion in Indonesia, offering valuable insights for policymakers, educators, and religious leaders.
Analisi Penetapan Harga Sembako Di Dusun Blokagung Dalam Persfektif Ekonomi Islam Suprapto, Ribut; Mamlukhah, Mamlukhah; Mawaddah, Nila Rizqina
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3221

Abstract

Pricing is a method used by grocery store traders to seek profits. The research in this scientific work aims to find out how basic food prices are determined in Blokagung Hamlet, and whether the price setting process is in accordance with the price concept in Islamic economics. This research is qualitative field research, namely obtaining data from direct field research regarding the determination of basic food prices in Blokagung Hamlet. The results of this research found that price determination in buying and selling basic necessities is based on the prices prevailing on the market and the prices prevailing at that time, then what differentiates prices between traders is where the supply comes from. The review of Islamic law regarding price differences in buying and selling basic necessities in Blokagung Hamlet as a whole is in accordance with the concept of price in Islam, for harmony and the conditions for buying and selling have also been fulfilled. Traders are also able to practice as taught by the Prophet Muhammad in trading.
Analisis Perbandingan Tingkat Kesehatan Perbankan Di Bursa Efek Indonesia Menggunakan Metode Rbbr (Risk Bassed Bank Rating) Claudia, Cindy; Susanti, Nawal Ika
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3223

Abstract

The health of the bank is a reflection of the condition and performance of a bank. Referring to Bank Indonesia Regulation No. 13/PBI/2011 there are four components to know the condition of the bank's health level, namely Risk Profile, Good Corporate Governance, Earning, and Capital. The focus of research in writing this thesis is how the analysis of the comparative health levels of Islamic Banks and Conventional Banks in the first quarter of 2019- second quarter 2020 on the Indonesia Stock Exchange uses the RBBR method. The focus of research in writing this thesis is how the analysis of the comparative health levels of Islamic Banks and Conventional Banks in the first quarter of 2019- second quarter 2020 on the Indonesia Stock Exchange uses the RBBR method. The research object consists of 6 banks going public on the Indonesia Stock Exchange, namely BTPS, BRIS, PNBS, BCA, BRI, BNI with quantitative approach methods that are descriptive of analysis. The data used is secondary data. Factors tested in the study were NPF/NPL, FR/LDR, ROA, ROE, BOPO, CAR, and GCG. The hypothesis test used is the Mann Whitney U Test with a significant level of 5%. Descriptive statistical test results on NPF/NPL, FDR/LDR, ROA, ROE, BOPO factors show that Conventional Banks are healthier compared to Islamic Banks. GCG shows that Islamic Banks and Conventional Banks alike have the same title of SEHAT, and car shows that Islamic banks are healthier compared to conventional banks. The results of the hypothesis test using the Mann Whitney U Test showed that there was no significant comparison in the ratio of NPF/NPL, FDR/LDR, ROA, CAR GCG Islamic Bank and Conventional Bank, on ROE and BOPO showing that there was a significant comparison between Islamic Bank and Conventional Bank.
Implementasi Etika Bisnis Islam Dalam Produksi Usaha Jamur Tiram Di Desa Sokogrenjeng Kecamatan Kenduruan Kabupaten Tuban Nurul Azizah, Siti; Agus Sifa', Moh.; Kuncoro Putro, Heri
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3224

Abstract

This research aims to analyze the implementation of Islamic business ethics in the production of oyster mushrooms in Sokogrenjeng Village, Kenduruan District, Tuban Regency. The research method used is a qualitative descriptive research method, namely by describing or describing the conditions that occur in the field. Data collection techniques were carried out using interviews, observation and documentation. The research results obtained by researchers show that oyster mushroom business owners have applied the principles of Islamic business ethics starting from unity/tawhid, justice, free will, responsibility, and truth/honesty. This can be seen from various aspects of the business implemented starting from the selection of raw materials and the production process. This research shows that the implementation of Islamic business ethics in the oyster mushroom business in Sokogrenjeng Village is highly recommended because it has a positive impact on business owners, consumers and the environment. Apart from that, it can increase consumer confidence, improve business image, and create a just and prosperous society. Business owners get blessings in this world and the hereafter. It is hoped that this research can contribute to improving the implementation of Islamic business ethics in the oyster mushroom business in Sokogrenjeng Village, so that it can produce halal, quality products that are beneficial to the community.
Analisis Efisiensi Penggunaan Modal Kerja Keuangan Syariah Ekaningsih, Lely Ana Ferawati; Rohmah , Faizzahtur
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3345

Abstract

The purpose of this study is to analyze the efficiency of the use of Islamic financial working capital at BMT UGT Sidogiri, Glenmore Branch, Banyuwangi Regency. This study uses applied research. Sampling using a purposive sampling technique. The data source used is secondary data in the form of financial reports of Islamic entities for the 2015-2019 period. The use of working capital is calculated using the liquidity ratio, debt ratio, and working capital profitability ratio. The results of the study indicate that the liquidity ratio in the form of a current ratio experienced fluctuations that tended to decrease while the debt ratio in the form of a debt-to-equity ratio experienced good fluctuations while the ratio of total debt to total assets experienced fluctuations that changed then the profitability ratio increased at the beginning of the year and decreased at the end of the year. The conclusion shows that the efficient working capital used at BMT UGT Sidogiri Glenmore Branch, Banyuwangi Regency has proven to be very efficient, this shows that BMT UGT Sidogiri Glenmore Branch, Banyuwangi can be trusted in managing its working capital as QS. Al-Anfal verse 27:8.

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