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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 87 Documents
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EFEKTIVITAS PELATIHAN BAGI TELLER PERBANKAN UNTUK MENINGKATKAN KINERJA KARYAWAN (STUDI PADA BPRS MITRA MENTARI SEJAHTERA PONOROGO) Weni Hastinasari; Maulida Nurhidayati
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 2 No. 2 (2022): Juli 2022
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (277.928 KB) | DOI: 10.30739/jpsda.v2i2.1519

Abstract

Abstrak Efektivitas merupakan kemampuan seseorang atau organisasi dalam mengoptimalkan sumber dayanya secara efektif dan efisien dalam rangka mencapai suatu tujuan. Tujuan dari organisasi melakasanakan pelatihan agar para karyawan lebih produktif lagi dalam menjalankan pekerjaannya dan mempunyai kualitas yang leibih baik, dilengkapi dengan keahlian yang lebih dan semakin inovatif dalam menjalankan pekerjaan. Teller pada bank diharapkan dapat memberikan pelayanan yang memuaskan kepada nasabah, karena teller adalah karyawan bank di garda depan yang setiap harinya berhubungan langsung dengan para nasabah. Tetapi dalam kenyataannya teller BPRS Mitra Mentari Sejahtera Ponorogo bukan lulusan dari perbankan syariah tetapi dengan latar pendidikan non syariah. Hal ini sangat berpengaruh dalam hasil kerja akhir yang nantinya akan menuntukan tingkat kinerja teller pada perusahaan. Tujuan didalam penelitian ini adalah untuk mengetahui bagaimana pelaksanaan pelatihan bagi karyawan bagian teller untuk meningkatkan kinerja di BPRS Mitra Mentari Sejahtera Ponorogo, faktor-faktor apa yang mempengaruhi pelatihan teller untuk meningkatkan kinerja di BPRS Mitra Mentari Sejahtera Ponorogo, dan bagaiamana efektivitas pelatihan bagi karyawan bagian teller untuk meningkatkan kinerja. Penelitian ini merupakan penelitian yang menggunakan pendekatan kualitatif dengan menggunakan jenis penelitian lapangan. Penelitian ini dilakukan dengan mewawancarai atasan, teller, teman kerja dan nasabah BPRS Mitra Mentari Sejahtera Ponorogo. Metode analisis data dalam penelitian ini menggunakan metode triangulasi sumber. Hasil penelitian menunjukkan bahwa pelatihan teller dilaksanakan di BPRS Mitra Mentari Sejahtera Ponorogo berjalan dengan baik karena menghasilkan teller dengan kemampuan yang diharapkan oleh perusahaan. Metode yang digunakan efektif dengan memberikan materi dan langsung mempraktikannya sambil bekerja diajari langsung oleh pemateri yang sudah berpengalaman. Terdapat juga dukungan dari atasan, dan materi yang diberikan atasan, teknologi perbankan yang mendukung.. Sehingga dapat merubah teller yang bukan lulusan perbankan syariah mempunyai kemampun yang dibutuhkan oleh BPRS Mitra Mentari Sejahtera Ponorogo. Program pelaksanaan pelatihan yang dilakukan BPRS Mitra Mentari Sejahtera Ponorogo yaitu sudah efektif dalam meningkatkan kinerja terbukti dengan kinerja teller yang meningkat. Abstract Effectiveness is the ability of a person or organization in optimizing its resources effectively and efficiently in order to achieve a goal. The purpose of the organization is to conduct training so that employees are more productive in carrying out their work and have better quality, equipped with more expertise and are more innovative in carrying out their work. Tellers at banks are expected to be able to provide satisfactory service to customers, because tellers are bank employees on the front line who deal directly with customers every day. But in reality the teller of BPRS Mitra Mentari Sejahtera Ponorogo is not a graduate of Islamic banking but with a non-sharia educational background. This is very influential in the final work which will later determine the level of teller performance in the company. The purpose of this study is to find out how the implementation of training for teller employees to improve performance at BPRS Mitra Mentari Sejahtera Ponorogo, what factors influence teller training to improve performance at BPRS Mitra Mentari Sejahtera Ponorogo, and how effective the training is for teller employees. to improve performance. This research is a research that uses a qualitative approach by using the type of field research. This research was conducted by interviewing superiors, tellers, co-workers and customers of BPRS Mitra Mentari Sejahtera Ponorogo. The data analysis method in this study used the source triangulation method. The results showed that the teller training carried out at BPRS Mitra Mentari Sejahtera Ponorogo went well because it produced tellers with the abilities expected by the company. The method used is effective by providing material and directly practicing it while working, being taught directly by experienced speakers. There is also support from superiors, and material provided by superiors, supporting banking technology. So that it can change tellers who are not graduates of sharia banking to have the skills needed by BPRS Mitra Mentari Sejahtera Ponorogo. The training implementation program conducted by BPRS Mitra Mentari Sejahtera Ponorogo is already effective in improving performance as evidenced by the increased teller performance.
STRATEGI INVESTASI GENERASI MILENIAL DALAM MASA PEMULIHAN EKONOMI PASCA PANDEMI COVID 19 Shelvyna Rikantasari; Kholishudin Kholishudin
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 2 No. 2 (2022): Juli 2022
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (192.325 KB) | DOI: 10.30739/jpsda.v2i2.1654

Abstract

The research, entitled Millennial Generation Investment Strategy in the Post-Covid-19 Economic Recovery Period, discusses the strategies used by millennials in carrying out investments. This study uses a descriptive qualitative method where the method looks at the actual phenomena that occur in the community so that the resulting research is classified as new research. The results of this study show that millennials are starting to invest in several ways, namely by preparing emergency funds, diversifying wealth and understanding the risks resulting from each investment instrument. With this strategy, millennials are more careful and careful in choosing various investment instruments. This is also directly related to the economy that existed at the time of the COVID-19 pandemic where at that time the economy in Indonesia and other world countries affected by the pandemic experienced a decline in the wheels of the economy. Therefore, the government makes a new normal policy during the pandemic and makes a policy to increase investment with the aim of revitalizing the wheels of the economy that is happening in Indonesia.
Pengaruh Ukuran Perusahaan, Inflasi Dan Suku Bunga SBI Terhadap Return Saham Syariah Di Jakarta Islamic Index (JII) Periode 2016-2020 Agustina Suliyani; B Benarda
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1646

Abstract

Penelitian ini bertujuan untuk mendapatkan bukti secara empiris mengenai Pengaruh Ukuran Perusahaan, Inflasi dan Suku Bunga SBI terhadap Return Saham Syariah. Variabel independen dalam penelitian ini menggunakan Ukuran Perusahaan, Inflasi dan Suku Bunga SBI. Sedangkan variabel dependen yaitu Return Saham Syariah. Metode yang digunakan dalam penelitian ini yaitu metode kuantitatif. Data yang digunakan adalah data sekunder berupa laporan keuangan perusahaan. Sampel yang dipakai dalam penelitian ini yaitu perusahaan yang terdaftar di Jakarta Islamic Index (JII) Tahun 2016 - 2020. Hasil penelitian menunjukan bahwa Ukuran Perusahaan tidak berpengaruh signifikan terhadap Return Saham Syariah. Inflasi berpengaruh signifikan terhadap Return Saham Syariah. Suku Bunga SBI tidak berpengaruh signifikan terhadap Return Saham Syariah. Dan Ukuran Perusahaan, Inflasi dan Suku Bunga SBI berpengaruh signifikan terhadap Return Saham Syariah. Kata Kunci: Return Saham Syariah; Ukuran Perusahaan; Inflasi; Suku Bunga SBI
The Effect of Bank Funding Sources on Total Revenue and Impact on Profit : Study on Joint Financial Reports of Sharia Banks and Sharia Business Units in Indonesia 2014-2020 Wiwit Mustafidah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1910

Abstract

 In general, companies in operations use funds sourced from debt, own capital, or theresults of investment/financing from outside parties. Likewise, Islamic banks in theiroperations also use these sources of funds. Selection of alternative sources of fundsused can affect the level of company profitability as measured by profit. This studyaims to determine whether there is an effect of sources of funds originating from bankdebt (liability banks), securities issued, and bank third party funds on total incomeand the impact on profits of Islamic banks in Indonesia in 2014-2020. This study usesa quantitative approach with the type of case study research by analyzing the combined financial statements of Islamic banks and Islamic business units inIndonesia from 2014-2020 published on the websites of Bank Indonesia and theFinancial Services Authority. The data analysis technique used is Path analysistechnique with variables X1: Bank debt (bank liability), X2: Securities issued, X3:Third party funds, Y: Profit and Z: Total Revenue. The research results show that bankdebt and third party funds have no partial effect on total income, but simultaneouslyhave a significant effect. Debt and securities variables have no effect on profits, whilethird party funds and total income have a significant effect on profits. The variablethat has the greatest influence contribution is the total income variable.
Maro Pengolahan Sawah Dalam Perspektif Hukum Ekonomi Islam Aula Izatul Aini; Komarudin A; Muhammad Imam Khaudli; Devi Wahyuningtyas
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1941

Abstract

This research aims to find out how the practice of collaborating with rice processing in the Tamanagung Village, Cluring District, Banyuwangi, and knowing how to practice the cooperation with processing of maro in The Tamanagung Village, Cluring District, Banyuwangi the perspective of Islamic economic law. The type used in this study is descriptive analysis, which describes the data that researchers collect both from observations, interviews and documentation. Data analysis uses interactive model analysis techniques. The results of the study are the collaboration carried out by the owner of the paddy field and the paddy farmer, the paddy owner only provides land only, while the paddy cultivator is burdened with material capital and labor to work on the paddy. The practice of maro processing in paddy fields in Tamanagung Village, Cluring District, Banyuwangi Regency is included in the mukhabarah contract. The profit sharing mechanism uses the bawon system (crop maintenance fee). If 100% of the yield is obtained, 20% will be given to the cultivators of the paddy fields, while the remaining 80% of the deduction will be collected between the two parties where each party will get an equal 40% yield.
Pengaruh Kompensasi Dan Pengalaman Kerja Terhadap Etos Kerja Islami Karyawan Bank Syariah Mandiri Kantor Cabang Rogojampi Kabupaten Banyuwangi Nurul Inayah; Nawal Ika Susanti; Rahmania Ika Putri
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1942

Abstract

Research with the title Influence of Compensation and Work Experience on Islamic Work Ethics of Bank Syariah Mandiri Employees at Rogojampi Banyuwangi Branch Office. With the aim to find out whether compensation influences and Work Experience affects the Islamic work ethic of employees, whether work experience affects the Islamic work ethic of Bank Syariah Mandiri Employees at Rogojampi. So it can be concluded that compensation does not significantly influence the Islamic Work Ethic, which means that Ho is accepted with a sig value of 0.147 and Work Experience has a significant effect on the Islamic Work Ethic, which means Ha is accepted with a sig value of 0,000. And the (silmutan) compensation variable (X1) and work experience variable (X2) have a very strong attachment with a value of 84,397 with a significance level of 0,000 <0.05 then Ha is accepted. The coefficient of determination (R2) is 0.862 which means that the compensation and work experience variables influence the Islamic work ethic of employees by 86.2% and the remaining 13.8% is influenced by other variables outside this study.
Pengaruh Kualitas Pelayanan Dan Bagi Hasil Terhadap Keputusan Menabung Pada Nasabah Di Bank Syariah Indonesia Cabang Rogojampi Indana Almas Azhar; Ribut Suprapto; Nila Alfiatul Fuad
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1943

Abstract

The purpose of this study is to determine whether: 1) knowing the quality of service and profit sharing on the customer's saving decision at the same time has a positive effect and significance 2) Knowing the impact of quality of service and profit sharing on the customer's saving decision partially has a positive effect and significance. Ha (1): There is the effect of service quality and profit sharing partially on customers' saving decisions at Bank Syariah Rogojampi. ha (2) There is a simultaneous influence of service quality and profit sharing on customers' saving decisions at Bank Syariah in Rogojampi. The conclusion of the partial and simultaneous results is that there is a positive influence between the variables X1 (quality of service), X2 (profit sharing), and Y (saving decision) with an R of 0.745 and a significance of 20.544 > 3.28.
Pendistribusian Zakat Sebagai Upaya Pengentasan Kemiskinan Di Badan Amil Zakat Nasional (BAZNAZ) Agus Wahyu Irawan; Heri Kuncoro Putro; Moh. Agus Sifa’; Imam Wahyudhi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1954

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana Manajemen pendistribusian zakat. Penelitian ini menggunakan metode penelitian kualitatif. Metode analisis yang digunakan adalah deskriptif kualitatif. Berbagai usaha telah dilakukan oleh pemerintah termasuk ulama dan ilmuwan agar implementasi zakat terlaksana. Untuk itu sebenarnya konsep operasional penerapan zakat, dapat dijadikan contoh dan terus dikembangkan pada masa sekarang, serta diaktualisasikan sesuai dengan pertumbuhan dan tuntutan masyarakat. Dengan memberdayakan zakat secara optimal (mulai dari pemetaan data muzakki, pencatatan muzakki, pengumpulan dana/benda zakat, pendistribusian dana/benda zakat, pemetaan dan pencatatan penerima zakat) yang selalu diupdate. Proram Pensistribusian Zakat yang dilaksanakan oleh BAZNAS Tuban adalah Tuban, Berdaya adalah memberdayakan masyarakat yang kurang mampu yang punya usaha untuk terus berkembang, Tuban Sehat memberikan bantuan kepada masyarakt yang membutuhkan mobil ambulance dan memberikan bantuan uang untuk berobt, Tuban peduli memberikan bantuan kepada masyarakat yang mengalami bencana banjir, lonsor, Tuban cerdas memberikan bantuan beasiswa kepada siswa yang kurang mampu dan Tuban Taqwa memberikan bantuan kepada penjaga masjid dan guru TPQ dan pendakwah yang ekonominya masih kurang mampu untuk memnuhi kebutuhan hidupnya.
Strategi Penanganan Pembiayaan Bermasalah Pada Kspps Mitra Usaha Ideal Cabang Dukun Faizatul Fidat; Wiwik Saidatur Rolianah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1956

Abstract

Abstrak: Kajian tentang koperasi simpan pinjam dan mitra usaha keuangan syariah yang ideal di Cabang Dukun ini bertujuan untuk mengidentifikasi strategi pengelolaan keuangan bermasalah di antara koperasi simpan pinjam dan mitra usaha keuangan syariah yang ideal di Cabang Dukun Metode penelitian yang digunakan adalah metode kualitatif dimana pengumpulan data dilakukan melalui wawancara terstruktur dan observasi lapangan dan dokumen. Hasil penelitian menunjukkan bahwa permasalahan pembiayaan murabahah di KSPPS Mitra Usaha Idaman Cbang Dukun disebabkan oleh faktor internal (analisis dokumentasi yang buruk, kurangnya investigasi lebih lanjut, penerapan SOP pendanaan yang buruk) dan faktor eksternal (sikap tidak jujur ??dan tidak dapat diandalkan), upaya anggota, upaya pengurangan, ketidakjujuran, keterlambatan anggota, faktor tak terduga seperti kebakaran, banjir dan bencana alam lainnya) Strategi perawatan adalah pemberitahuan telepon, surat peringatan, penjadwalan ulang, renovasi dan pelaksanaan kontrak. Upaya mengatasi terjadinya pembiayaan bermasalah adalah penerapan SOP yang benar, memaksimalkan prinsip 5C (karakter, kapasitas, modal, jaminan, syarat), pembagian tugas yang tepat, penerapan prinsip kehati-hatian dan peningkatan kompetensi personel.
Akad Salam Dalam Jual Beli Sayuran Khusnudin, Imam; Rohman, Fatkhur; Annas, Muhamad
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1996

Abstract

This study aims to: determine the implementation of the Salam Agreement on buying and selling in the hamlet of Connect Rejo, Bayu village, Songgon sub-district. This study uses a qualitative research method with the type of research case study research collected both the results of interviews, observations and documentation during conducting research in the hamlet of Connect Rejo, Bayu village, Songgon sub-district, using an interactive analysis model. The results of this study indicate that: The implementation of the salam contract on the sale and purchase of vegetables comes from several aspects, both from the farmers and the collectors themselves. The implementation of this salam contract is very beneficial for both farmers and collectors because they can know so far the practice of buying and selling is carried out according to or not with the provisions in the sale and purchase of the salam contract, namely with the concept of not being mutually beneficial to one party and mutual trust between farmers and collectors, therefore the author seeks to maximize this research so that it can help the community of Connect Rejo Hamlet, Bayu Village, Songgon District in practicing the buying and selling of vegetables that have long been carried out to meet the needs of family life, family and as their successors strive to be better in processing better vegetable crops so that they can develop the welfare of the life of the nation and the state It can be concluded that the implementation of the salam contract on the sale and purchase of vegetables in the Hamlet of Connect Rejo, Bayu Village, Songgon District, the identification of the implementation that occurs in the field, the measurement through the pillars and terms and has been practiced in the field, has gone through several long processes to form a thesis is in accordance with the provisions of the salam contract.

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