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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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Analisis Determinan Harga Saham Bris (Pt Bank Syariah Indonesia Tbk) Latifah, Latifah; Pasaribu, Rifdah Atika; Pulungan, Rahmat Rizki; Harahap, Muhammad Ikhsan
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2152

Abstract

This research is to analyze the efffect of liquidity ratios, profitability, bi rate, consumer price index and the money supply on BRIS stock prices. The method used in this research is descriptive quantitative method. In this study there are six variables consisting of five independent variables and one dependent variable. The independent variables in this study are the ratio of liquidity, profitability, bi rate, consumer price index and the money supply while the dependent variable is stock prices. Method analysis used multiple regression analysis. The results of this study indicate that ROA, BI rate,  and money supply (JUB) partially affect BRIS stock prices with their respective significance levels, namely ROA of 0.0251, BI rate of 0.0000, Money in circulation of 0.0000. Meanwhile , the Current Ratio (CR) and Consumer Price Index (CPI) variables have no effect on BRIS stock prices. Based on this, it can be concluded that the independent variables jointly affect the BRIS stock price.
Faktor-Faktor yang Mempengaruhi Minat Nasabah Memilih Asuransi Syariah Muksal, Muksal; Ayumiati, Ayumiati; Yuliadra, Teuku Fariz
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2165

Abstract

The purpose of this research is to examine the joint and many effects of the company's image, premium rates, and promotions on consumers' propensity to select PT. Banda Aceh Family Takaful. A total of 68 participants were selected at random for this quantitative investigation. The findings of the simultaneous and partials tests indicate that PT. Family Takaful Banda Aceh Branch's corporate image, premium rates, and promotions all have a favorable and statistically significant effect on customers' propensity to purchase insurance from the company. The R-Square value for this study is 56.1%, indicating its significance, with the remaining 43.9% attributable to confounding variables.
Pengaruh Perkembangan Penerimaan Zakat Sebagai Instrumen Kebijakan Fiskal Terhadap Perkembangan Penerimaan Negara Indonesia Sofi Faiqotul Hikmah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2187

Abstract

Quantitative research entitled “The Influence of the Development of Zakat Acceptance as an Instrument of Fiscal Policy on the Development of Indonesian State Revenue” is a quantitative research whose data is obtained from the official website of BAZNAS (National Amil Zakat Agency) which is a financial report published annually, besides that the author also took secondary data from BPS (Central Statistics Agency) Ministry of Finance of the Republic of Indonesia and analyzed using simple linear regression manually or with the help of Microsoft Excel. The results showed that the development of zakat receipts from 2010-2021 continued to increase even though in 2020 Indonesia was hit by the Covid-19 pandemic, even the development of zakat receipts from year to year was never below 10%, while the development of state revenues experienced fluctuations, sometimes has increased, sometimes it has also decreased, especially during the Covid-19 pandemic. The results of manual data processing using a simple linear regression formula can be seen that the value of F Count < F Table because 0.00 < 4.965, it can be concluded that variable X (Development of Zakat Receipts) has no effect on variable Y (Development of Tax Receipts).
Pengaruh Pelayanan, Religiusitas Dan Bagi Hasil Terhadap Minat Nasabah Dalam Menabung Di Bank Syariah Indonesia Banyuwangi Ustanti, Mira; Reva Dwi Melania; Moh. Qowim
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2202

Abstract

Abstract The purpose of this study is to determine the effect of service (X1), religiosity (X2) and profit sharing (X3) partially or simultaneously on interest in saving (Y) at Bank Syariah Indonesia Banyuwangi. This research was obtained from using quantitative research using primary data obtained from the results of the distribution of questionnaires or questionnaires. The sampling technique in this study used Probity Sampling with the type of Simple Random Sampling. Respondents used in this study were 40 people who saved at Bank Syariah Indonesia. The results of this study indicate that the t test test shows that the service has a significant effect on saving interest at BSI Banyuwangi, having a tcount of 4,573 which is greater than ttable of 0.132 with a significant probability level of 0.02 which is smaller than 0.05. Religiosity has a significant effect on saving interest at BSI Banyuwangi. It has a t count of 4.339 which is greater than t table of 0.132 with a significant level of 0.03 which is smaller than 0.05. Profit sharing has a significant effect on interest in saving at BSI Banyuwangi has a t count of 2.304 which is greater than t table 0.132 with a significant level of 0.02 which is smaller than 0.05. And through the F test, it is known that service (X1), Religiosity (X2), and Profit Sharing (X2) have a simultaneous effect on interest in saving at BSI Banyuwangi. The Adjusted R square figure of 0.929 indicates that 92.9% of the variation in saving interest can be explained by the three independent variables used in the regression equation. While the remaining 7.1% is influenced by other variables outside the three used in this study.    
Pengaruh Pengetahuan Produk, Kebutuhan dan Promosi Terhadap Keputusan Nasabah Menggunakan Produk Murabahah Mikro Di BPRS Mitra Mentari Sejahtera Ponorogo Alfikaromah, Lia; Nurhidayati, Maulida
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2217

Abstract

BPR Syariah Mitra Mentari Sejahtera is a company engaged in the field of Islamic banking that serves deposits in the form of savings and time deposits and distributes sharia-managed financing located in Ponorogo Regency. One of the financing products available at BPRS Mitra Mentari Sejahtera Ponorogo is a micro murabaha product. Based on the data obtained, it is known that during the last two years, micro muarabahah financing products have not experienced an increase in the number of customers. According to Philip Kotler and Kelvin Lane Keller, there are several factors that influence customer decisions such as knowledge, needs and according to Mansur Razak, one of the factors that influence decisions is promotion. The purpose of this research is to examine and analyze the effect of knowledge of financing products, needs and promotions on customer decisions. using micro murabahah products at BPRS Mitra Mentari Sejahtera Ponorogo. The research method used in this study is a quantitative method with a population of 299 and a sample of 75 respondents. The data collection technique for this study was to distribute questionnaires to 75 micro murabaha financing customers. The data analysis technique was carried out using multiple linear regression methods. In this study, the knowledge variable has no effect on customer decisions, while the need and promotion variables have an effect on customer decisions. But simultaneously all variables influence the customer's decision to use micro murabahah products.
Praktik Analisis Swot Dalam Strategi Pemasaran Syariah Produk Tabungan Ib Hijrah Prima Pt Bank Muamalat Indonesia Tbk Kcp Genteng Munawir, Munawir; Aziziy, Riza
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2321

Abstract

This study aims to find out the sharia marketing strategy for iB Hijrah Prima Savings products at PT Bank Muamalat Indonesia Tbk, KCP Genteng and how to SWOT analysis in the marketing strategy for iB Hijrah Prima Savings products at PT. Bank Muamalat Indonesia Tbk, KCP Genteng. This study uses qualitative research. The results of the study show that the strategy used by PT Bank Muamalat Indonesia Tbk, KCP Genteng to promote the iB Hijrah Prima savings product is by means of promotion and approach to customers who are already the target of Bank Muamalat. In the SWOT Analysis strategy, Bank Muamalat has great strengths and opportunities to promote iB Hijrah Prima savings products. Marketing strategy in promoting iB Hijrah Prima savings products through promotions and approaches to customers. The SWOT analysis in promoting iB Hijrah Prima savings has very good strengths and opportunities.  
Tinjauan Hukum Islam Terhadap Praktik Jual Beli Tanah (Stadi Kasus Di Desa Karangdoro Kecamatan Tegalsari Kabupaten Banyuwangi) Syafa’at, Abdul Kholiq; Inayah, Nurul; Syafaat, Muhtar
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2485

Abstract

This study aims to determine the practice of buying and selling land in Karangdoro Village, Tegalsari District, Banyuwangi Regency and to find out an overview of Islamic law on the practice of buying and selling land in Karangdoro Village, Tegalsari District, Banyuwangi Regency. The type of research used by the authors in completing this thesis is qualitative descriptive research. The analytical tool used in this study is an interactive model. The results obtained from research regarding the practice of buying and selling land in Karangdoro Village. In buying and selling through a broker, a broker gets 5% of the sales proceeds, where the percentage has become local custom or takes from the addition of the selling price of the land. In addition, usually when a land owner asks for a net price from the sale of land. after knowing the price demanded by the land owner, the broker will find a buyer and offer the goods. After the broker has agreed on a price with the buyer, the buyer will meet with the land owner to enter into an agreement or agreement. The sale and purchase transaction of land in Karangdoro Village is valid according to Islamic law, because it complies with the terms and conditions of sale and purchase, and the addition of prices by brokers in selling land is permissible under Islamic law because they have obtained permission from the land owner. So from the results of the research that the researchers did, it can be concluded that the provisions of Islamic law regarding the practice of buying and selling land in Karangdoro Village, Tegalsari District, Banyuwangi Regency, the practice of buying and selling that is carried out is valid because it complies with the terms and pillars of buying and selling and adding prices by the broker is legally permissible Islam.
Pengaruh Motivasi Dan Pengetahuan Kewirausahaan Terhadap Minat Berwirausaha Siswi XII Akuntansi 1 SMK Darussalam Blokagung Banyuwangi Suprapto, Ribut; Susanti, Nawal Ika; Putri, Siti Qoimatus Sarofah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2508

Abstract

This study aims to determine whether or not there is a positive influence between motivation and entrepreneurial knowledge on the entrepreneurial interest of XII Accounting 1 student at Darussalam Blokagung Banyuwangi Vocational School. The data analysis tool used in this research is multiple regression analysis. This type of research is quantitative. Where the methods used to collect data include observation, interviews, documentation and questionnaires / questionnaires. Based on the results of this study, it shows that the variables X1 and X2 have a significant effect on the Y variable with an R value of 0.745 with a significance of 20.544 > 3.28. Dimensions of motivation and knowledge of entrepreneurship simultaneously influence the interest in entrepreneurship, significantly. The motivational variable produces an F count value of 0.546 and entrepreneurial knowledge of 0.487 with a significance value greater than 0.05 meaning that it simultaneously influences the interest in entrepreneurship for XII Accounting 1 students of SMK Darussalam Blokagung Banyuwangi.
Pengaruh Pembiayaan Murabahah Dan Pembiayaan Musyarakah Terhadap Return On Asset (Roa) Pada Pt Bank Sumut Kcp Syariah Karya Periode 2018-2021 Latifah, Latifah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 1 (2024): Januari 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i1.2391

Abstract

This research was conducted with the aim of analyzing the effect of murabahah financing and musyarakah financing on the return on assets of PT Bank Sumut KCP Syariah Karya. The method used in this research is descriptive quantitative method. In this study there are three variables consisting of two independent variables and one dependent variable. The independent variables in this study are murabaha financing and musyarakah financing while the dependent variable is return on assets. The results of this study indicate that partially murabahah financing has no effect on ROA but musyarakah financing has a negative effect on ROA, while simultaneously murabahah financing and musyarakah financing has a positive effect and significant to return on asset.
Penyelesaian Pembiayaan Bermasalah Pada Pembiayaan Kredit Pemilikan Rumah (Kpr) Di Bank Sumut Syariah Kcp Karya Haahap, Syofiah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 1 (2024): Januari 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i1.2520

Abstract

ABSTRACT The purpose of this study was to find out how to solve problematic financing in mortgage financing in Islamic banking and a sample of places in this study was taken at Bank Sumut Syariah JL. Work. This research is a type of field research using descriptive qualitative research methods to complete the data. The collection of research data was carried out by interviews and documentation. The results of this study show that Bank Sumut Syariah in resolving problematic financing by using murabahah contracts in mortgage financing, when there is problematic financing, the bank will auction collateral (guarantees) to return bank capital. Keywords: Problem Financing Settlement, KPR Products, Bank Sumut Syariah   ABSTRAK Tujuan penelitian ini adalah untuk mengetahui bagaimana penyelesaian pembiayaan bermasalah pada pembiayaan KPR di perbankan syariah dan diambil sampel tempat dalam penelitian ini di Bank Sumut Syariah JL.Karya. Penelitian ini merupakan jenis penelitian lapangan (field research) dengan menggunakan metode penelitian kualitatif deskriftif guna melengkapi data. Pengumpulan data penilitian ini dilakukan dengan wawancara dan dokumentasi. Hasil penelitian ini menujukan bahwa bahwa Bank Sumut Syariah dalam menyelesaikan pembiayaan bermasalah dengan menggunakan akad murabahah dalam pembiyaan KPR, ketika terjadi pembiayaan bermasalah maka pihak bank akan melakuakan lelang terhadap agunan (jaminan) untuk mengembalikan modal bank. Kata kunci: Penyelesaian Pembiayaan Bermasalah, Produk KPR, Bank Sumut Syariah

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