cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Nawal Ika Susanti
Contact Email
jpsda_bwi20@iaida.ac.id
Phone
+6285334001334
Journal Mail Official
jpsda_bwi20@iaida.ac.id
Editorial Address
Pon.Pes. Darussalam Blokagung 02/IV Tegalsari Banyuwangi Jawa Timur-68491 Telp.(0333) 847459, Fax.(0333)847459, Hp: 085258405333
Location
Kab. banyuwangi,
Jawa timur
INDONESIA
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 124 Documents
 9   10   11   12   13 
Strategi Pemasaran Syariah Pada Produk Cicilan Emas Dalam Upaya Meningkatkan Jumlah Nasabah Bsi Kcp Banyuwangi Purwoharjo Nuril Fitriatussoleha; Mira Ustanti; Nurul Inayah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3708

Abstract

This study analyzes the marketing strategy of gold installment products based on murabahah contracts at BSI KCP Banyuwangi Purwoharjo using qualitative methods and the SWOT approach. This analysis aims to identify strengths, weaknesses, opportunities, and threats in an effort to improve marketing effectiveness and minimize the risk of making inappropriate decisions. The findings show that the main strengths of the product lie in compliance with sharia principles, transparency of contracts, and stability of gold investment. However, weaknesses such as low public literacy and limited accessibility remain a challenge. On the other hand, opportunities such as increased awareness of sharia products and new market segments such as high school and university students can be utilized to expand customer outreach. The recommended strategies include product development for young segments, increasing financial literacy through education, optimizing digital promotions, and collaboration with educational institutions. With this approach, BSI KCP Banyuwangi Purwoharjo can strengthen its position in the market, face gold price fluctuations, and compete with other financial institutions. This study concludes that a combination of strengths and opportunities-based strategies and mitigation of weaknesses and threats can be the key to successful marketing of sharia-based gold installment products.
Pengaruh Good Corporate Governance, Capital Asequasy Ratio, Dan Efisiensi Operasional Terhadap Kinerja Keuangan Bank Umum Syariah Di Indonesia Agnes Kurnia; Wulan Ramadani Trisnaudy; Yudhistira Ardana; Any Eliza
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3833

Abstract

This research investigates how Good Corporate Governance (GCG), the Capital Adequacy Ratio (CAR), and Operational Efficiency (BOPO) influence financial performance measured by Return on Assets (ROA) of Islamic Commercial Banks in Indonesia from 2020 to 2023. Employing a Fixed Effect panel data regression in EViews 12, the study draws upon a purposively sampled set of banks with complete financial disclosures during the period. Prior to estimation, Chow and Hausman tests determined the appropriate model, and diagnostic checks confirmed that residuals met normality, multicollinearity, and heteroscedasticity assumptions. Results reveal that both GCG (p = 0.0315) and CAR (p = 0.0260) positively and significantly affect ROA, whereas BOPO exerts a negative, significant impact (p = 0.0002). An Adjusted R² of 0.3484 suggests that these three variables account for 34.84% of ROA’s variability. Findings align with stakeholder, signaling, and efficiency theories in Islamic banking and corroborate earlier empirical work. Practically, the study underscores the importance of robust governance, adequate capitalization, and cost control to bolster bank profitability. Future research may incorporate macroeconomic indicators or adopt dynamic panel techniques to deepen insights into financial performance drivers.
Pengaruh Fintech Payment, Kontrol Diri Dan Literasi Keuangan Syariah Terhadap Manajemen Keuangan Pribadi Pada Komunitas Genbi Bengkulu Laila Tri Oktavia; Idwal B; Miko Polindi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3886

Abstract

This study aims to analyze the influence of Fintech Payment, self-control, and Islamic financial literacy on personal financial management within the Generasi Baru Indonesia (GenBI) community in Bengkulu. The research employs a quantitative approach, with data collected through questionnaires distributed to 175 respondents. The data were analyzed using multiple linear regression with the assistance of SPSS version 25. The analysis results show that, partially, Fintech Payment has a positive and significant effect on personal financial management with a significance level of 0.042. The self-control variable also has a significant influence, with a significance value of 0.003, while Islamic financial literacy demonstrates the most significant impact, with a value of 0.000. Simultaneously, the three variables have a positive and significant effect on personal financial management, as evidenced by a significance value of 0.000 (< 0.05). Therefore, these variables contribute significantly to improving the personal financial management skills of GenBI Bengkulu members.
Pengaruh Inovasi Teknologi, Literasi Keuangan, Dan Lingkungan Sosial Terhadap Minat Berinvestasi Di Pasar Modal Secara Komparatif Dini Putri Pebriani Dini; Yosy Arisandy; Miko Polindi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.4034

Abstract

This study aims to compare the influence of technological innovation, financial literacy, and social environment on students’ interest in investing in the sharia capital market at three universities: UIN Fatmawati Sukarno Bengkulu, Universitas Muhammadiyah Bengkulu, and Universitas Bengkulu. The background of this research is the rising trend of interest among Generation Z, particularly university students, in technology-based investments, financial awareness, and the influence of their social environment. This research used a quantitative approach with a survey method by distributing questionnaires to 112 respondents. The data were analyzed using multiple linear regression with the help of SPSS version 25. The findings indicate that, individually, technological innovation, financial literacy, and social environment positively and significantly affect interest in investing in the Islamic capital market. Collectively, these three variables also have a significant impact. These findings highlight the importance of enhancing financial literacy, optimizing the use of technology, and strengthening the role of the social environment in fostering investment interest among students, as well as creating a supportive social climate to encourage student participation in investment activities.
Customer-Centric Approach : Strategi Diferensiasi Bsi Kcp Tuban Dalam Pemasaran Pembiayaan Pra Pensiun Di Era Digital Moh Agus Sifa'; Moch. Zainuddin; Andriani
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.4086

Abstract

Digital transformation and the dynamics of customer needs demand adaptive and customer-oriented marketing strategies in the Islamic banking industry. This study aims to analyze the customer-centric differentiation strategy implemented by Bank Syariah Indonesia (BSI) KCP Tuban in marketing pre-retirement financing products. With a qualitative approach through interviews and field observations, this study reveals that personalized advisory strategies, hybrid services (offline and online), and the use of digital technology such as the BSI Mobile application and chatbots are key to increasing customer engagement and satisfaction. Innovation through the #SiapPensiunTenang digital campaign and the use of customer data for service personalization also strengthen the competitive position of BSI KCP Tuban. The results of the study show that a customer-centric marketing approach can significantly increase interest in pre-retirement financing products and strengthen customer loyalty in the midst of a competitive digital era. These findings provide theoretical contributions to the development of Islamic marketing literature as well as practical implications for Islamic bank strategies in optimizing the pensioner market segment
The Effect Of Product Innovation And Service Quality On Customer Satisfaction: A Study On Indonesian Sharia Banks Jumatul Aolia; Putri Aulia; Rosmiati; Herdi Gilang Ananta; Ahadiah Agustina
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.4138

Abstract

This study aims to analyze the effect of product innovation and service quality on customer satisfaction at Islamic banks in Indonesia. The main issue in this study relates to the importance of developing relevant service and product strategies in increasing customer satisfaction and loyalty in the increasingly competitive Islamic banking sector. The approach used is quantitative with descriptive design. Primary data were collected through the distribution of Likert scale questionnaires to 100 randomly selected respondents. The independent variables consist of product innovation (X?) and service quality (X?), while the dependent variable is customer satisfaction (Y). The analysis technique used is multiple linear regression with the help of SPSS software version 22. The results showed that both product innovation and service quality have a significant influence on customer satisfaction, both partially and simultaneously. Simultaneously, the two variables explain 74.7% of the variation in customer satisfaction. The findings confirm the importance of product renewal and service quality improvement as key strategies in strengthening the position of Islamic banks in Indonesia.
Comparative Analysis Of The Health Of Syariah And Conventional Commercial Banks In Indonesia Using The Rgec Method Ribut Suprapto; Nawal Ika Susanti; Mamlukhah Mamlukhah; Irma Sa'adah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.4151

Abstract

The objectives of this study are analyzing financial ratios consisting of Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR, Good Corporate Governance (GCG) Return On Assets (ROA) and Capital Adequacy Ratio (CAR) can distinguish health between the Islamic banking group and the conventional banking group. This study uses a quantitative approach to the type of comparative research. The sample selection in this study used a non-probability sampling method which was purposive sampling with the following criteria: financial banking which has two sharia and conventional systems, financial banking which issued 10 consecutive financial statements, financial statement banking which had the highest assets in 2011- 2020, and banks whose financial statements whose profit and loss present data on outstanding shares and share prices. The results of the analysis of this study indicate that: 1) Financial ratios consisting of Non-Performing Financing (NPF) and Financing to Deposit Ratios (FDR, Good Corporate Governance (GCG) Return On Assets (ROA) and Capital Adequacy Ratio (CAR) are not have the ability to significantly distinguish between the Islamic banking group and the conventional banking group. The conclusion of the study shows that: 1) of the 4 (FOUR) financial ratios of Non-Performing Financing (NPF) and Financing to Deposit Ratios (FDR, Good Corporate Governance (GCG) Return On Assets (ROA) and Capital Adequacy Ratio (CAR), which analyzed, there is 1 (one) financial ratio that has the ability to distinguish significantly, namely the CAR ratio, because it has been proven by obtaining a significance value below 0.05, while the other 2 (two) financial ratios do not have the ability to distinguish (not a significant discriminator). between the Islamic banking group and conventional banking, including LDR and ROA, this is evidenced by the obtaining of a significance value above/greater than 0.05. 2) The soundness of conventional banking is better than the financial performance of Islamic banking.
Peran Baitul Maal Wat Tamwil (BMT) NU Cabang Kalibaru Dalam Pemberdayaan Pelaku Usaha Mikro Kecamatan Kalibaru Kabupaten Banyuwangi Imam Khusnudin; Hasanah Fitri Fatimah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 2 (2026): Juli 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i2.4942

Abstract

The purpose of this study is to find out what products are used at BMT NU Kalibaru Branch in empowering micro business actors and to find out how the role of Baitul Maal Wat Tamwil (BMT) NU Kalibaru Branch in empowering micro business actors in Kalibaru District, Banyuwangi Regency. The research method used is descriptive qualitative. Data collection techniques are by means of observation, interviews and documentation. Data analysis tools used with data reduction steps, data presentation, and drawing conclusions. The validity of the data by using source triangulation. The results of this study indicate that the existence of BMT NU Kalibaru Branch provides changes to before financing at BMT NU Kalibaru Branch. In this case, it is proven that the financing provided by BMT NU Kalibaru Branch plays a very important role for micro business actors in terms of capital so that they can increase income for their business. The role of BMT can be seen in the financial, real, and religious sectors, and can be seen from several indicators, namely the fulfillment of capital, improvement and welfare of the community. The conclusion of the study shows that BMT NU Kalibaru Branch in increasing the income and welfare of the community can be seen from the income and increase received by 3 types of businesses after receiving financing from BMT NU Kalibaru Branch there is an increase in the percentage increase from 33% to 80%. After they get financing the average monthly income percentage changes to increase.
Strategi Pemasaran Bank Muamalat Untuk Menarik Minat Masyarakat Dalam Memiliki Tabungan IB Hijrah Haji Refiana Alfiah Widayanti; Amin Awal Amarudin
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 2 (2026): Juli 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i2.5146

Abstract

This study aims to analyze the marketing strategies implemented by Bank Muamalat Jombang Branch in increasing public interest in the iB Hijrah Haji Savings product. Although various studies have discussed Islamic banking marketing strategies, studies on the effectiveness of the iB Hijrah Haji Savings marketing strategy at the branch office level, particularly at Bank Muamalat Jombang Branch. This study uses a qualitative approach with field research. Data were obtained through interviews, observations, and documentation of relationship managers and employees of Bank Muamalat Jombang Branch. Data analysis was conducted using the Miles and Huberman model which includes data reduction, data presentation, and drawing conclusions. The results show that Bank Muamalat Jombang Branch implements various marketing strategies, including establishing cooperation with related institutions, conducting personal approaches to potential customers, and utilizing social media as a promotional tool. Public interest in the iB Hijrah Haji Savings product is influenced by the ease of the registration process, recommendations from close friends, and a high level of trust in the bank. These strategies have been proven to increase the number of iB Hijrah Haji Savings account openings and provide customer satisfaction. The findings of this study provide practical implications for Bank Muamalat in designing more effective, adaptive, and digital-based marketing strategies to increase public interest in sharia hajj savings products.
Systematic Literature Review: Peran Konsep Matematika Diskrit Dalam Pengembangan Model Credit Scoring Pembiayaan Pada Lembaga Keuangan Syariah Non-Bank Nawal Ika Susanti; Ribut Suprapto
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 2 (2026): Juli 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i2.5286

Abstract

This study examines the integration of discrete mathematics into financing scoring systems for non-bank Islamic financial institutions (NBIFIs). A Systematic Literature Review was selected to consolidate evidence on mathematical structures, decision-support methods, predictive algorithms, and sharia governance, with reporting guided by PRISMA 2020. Searches in Google Scholar, Scopus, Garuda, Semantic Scholar, and PMC for publications from 2020 to 2026 identified 487 records; 89 remained after deduplication and title-abstract screening, 34 full texts were assessed, and 20 articles were included. Machine-learning and credit-scoring studies dominated the evidence base (35%), followed by studies on NBIFIs and Islamic non-bank finance (25%), PRISMA-based reviews (15%), discrete mathematics and decision modelling (15%), and DSS/MCDM applications (10%). The findings show that finite sets, logical rules, decision trees, graph structures, and ranking matrices are relevant to financing assessment, but explicit discrete-mathematics applications remain rare. Major gaps concern limited NBIFI-specific datasets, weak operationalisation of maqashid al-shariah, insufficient fairness testing, and scarce external validation. The review proposes a four-layer model linking input data, discrete-mathematical structures, hybrid scoring algorithms, and explainable decisions under sharia governance. Practically, NBIFIs should develop auditable scoring rules, involve Sharia Supervisory Boards in model validation, and provide assistance pathways for applicants below the eligibility threshold.

Page 12 of 13 | Total Record : 124

 9   10   11   12   13 

Filter by Year

2021 2026


Reset
Filter By Issues
All Issue Vol. 6 No. 2 (2026): Juli 2026 Vol. 6 No. 1 (2026): Januari 2026 Vol. 5 No. 02 (2025): Juli 2025 Vol. 5 No. 1 (2025): Januari 2025 Vol. 4 No. 2 (2024): Juli 2024 Vol. 4 No. 1 (2024): Januari 2024 Vol. 3 No. 2 (2023): Juli 2023 Vol. 3 No. 1 (2023): Januari 2023 Vol. 2 No. 2 (2022): Juli 2022 Vol. 2 No. 1 (2022): Januari 2022 Vol. 1 No. 2 (2021): Juli 2021 Vol. 1 No. 1 (2021): Januari 2021 More Issue