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Nawal Ika Susanti
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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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Mekanisme Pembiayaan Mitra Guna Berkah Pns Dengan Akad Murabahah Pada Bank BSI KCP Panyabungan Nasution, Wahyudi
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.v4i1.2544

Abstract

This research aims to determine the partner financing mechanism for blessings for civil servants with murabahah contracts at Bank Syariah Indonesia (BSI) KCP Panyabungan, to find out the obstacles in the partner financing mechanism for blessings. Financing is one of the sharia banking services where the budget is circulated to other parties. Financing carried out by banks can work together to fulfill the wishes of the community. The distribution of the budget in the form of financing is based on the trust submitted by the budget owner to the budget consumer. One of the consumers is Civil Servants (PNS). This type of research uses qualitative. The research object studied was the partner financing mechanism for civil servant blessings carried out at Bank Syariah Indonesia KCP Panyabungan. The results show that there are three stages of the mutra financing mechanism for blessings for civil servants at Bank Syariah Indonesia KCP Panyabungan who use a murabahah contract during the disbursement process.
Analisis Determinan Cadangan Kerugian Penurunan Nilai pada Bank Panin Dubai Syariah Tahun 2015-2022 Endang Lufita; Rizky Nur Ayuningtyas Putri
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.v4i1.2690

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR), Nett Perfoming Financing (NPF), Return Of Equity (ROE), and Size on Loan Loss Provision (LLP). This study used descriptive quantitative methods by analyzing regression time series data processed using the Eviews 10 application. In this study there were six variables consisting of one dependent variable and five independent variables. The dependent variable in this study is Loan Loss Provision (LLP) while the independent variables are Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR), Nett Perfoming Financing (NPF), Return Of Equity (ROE), and Size. This study found that the CAR variable partially had a significant positive effect on LLP. The FDR variable partially has a non-significant negative effect on Bank Panin Dubai Sharia's LLP. NPF has a non-significant positive effect on Bank Panin Dubai Syariah's LLP. ROE variables and Size variables partially have a significant negative effect on Bank Panin Dubai Sharia's LLP. The variables CAR, FDR, NPF, ROE, and Size together (simultaneously) have a significant effect on LLP.
Faktor Faktor yang mempengaruhi Nilai Perusahaan : Peran Islamic Social Reporting sebagai Variabel Intervening Aprilia, Mutik; Rahman, Taufikur
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.v4i1.2844

Abstract

This research aims to analyze and prove the influence of Good Corporate Governance and Profitability on Company Value with Islamic Social Reporting as an Intervening variable. This research uses a population of Sharia Commercial Banks in Indonesia registered with the OJK for the 2018-2022 period. The number of samples in this research was 10 companies with 5 research periods obtained using purposive sampling techniques. The analytical methods used are descriptive tests, stationarity tests, regression tests, classical assumption tests, statistical tests, path analysis tests, and Sobel tests. The research results show that the Good Corporate Governance and Profitability variables do not have a significant effect on profitability. Profitability has a positive effect on Islamic Social Reporting. After conducting path analysis and Sobel tests, the ISR variable could not mediate the influence of GCG and Profitability on company value.
Perilaku Anggota Dalam Pengambilan Keputusan Pembelian Produk Handphone Menggunakan Akad Murabahah Di Bmt Nu Singgahan Tuban Naja, Elvina Karomatan; Sifa’, Moh Agus; Rikantasari, Shelvyna
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.v4i1.2859

Abstract

The aim of this research is to find out and analyze the behavior of members in making decisions to purchase mobile phone products using a murabahah contract at BMT NU Singgahan Tuban. This research uses descriptive qualitative research methods with qualitative descriptive techniques using interview techniques with BMT and its members, both structured and unstructured. In structured interviews, researchers first create and organize questions to interview informants, while for unstructured interviews, researchers will explore the questions in depth. when there is missing data and the question is asked via WhatsApp, observe. The results of this research show that there are three psychological factors that influence BMT NU Singgahan Tuban members in making decisions to purchase mobile phone products using a murabahah contract, namely motivation factors, perception factors, and belief and attitude factors. Murabaha financing members purchase the first four processes in making purchasing decisions, namely recognizing needs, searching for information, evaluating alternatives, and purchasing decisions.
Analisis Faktor Yang Mempengaruhi Nasabah Non Muslim Menjadi Nasabah Di USPPS Ausath Blokagung Karangdoro Kecamatan Tegalsari Kabupaten Banyuwangi Suprapto, Ribut; Inayah, Nurul; Anjastika, Anggi
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.v4i1.2916

Abstract

This study aims to determine the effect of religio us stimuli, services, promotions, and profit sharing on the interest of non-Muslim customers at Uspps Ausath Blokagung. (X1), service (X2), promotion (X3), profit sharing (X4) as independent variables and interest of non-Muslim customers (Y) as variables. bound (dependent). Sampling technique with probability sampling. The data collection is done by means of interviews, observation, questionnaires (questionnaire) and documentation. The results showed that the partial test (1) religious stimuli had a positive and significant effect on the interest of non-Muslim customers at Uspps Ausath Blokagung, having a tcount value of 2.987 which is greater than ttable 0.374 with a significant probability level of 0.006 which is smaller than 0.05 which is means significant value. (2) service has no significant effect on the interest of non-Muslim customers in Uspps Ausat Blokagung. (3) promotion has no significant effect on the interest of non-Muslim customers at Uspps Ausath Blokagung. (4) profit sharing has no significant effect on the intention of non-Muslim customers at Uspps Ausath Blokagung. (5) Meanwhile, from the simultaneous testing of the F test, it is known that religious stimuli, services, promotions and profit sharing on the interest of non-Muslim.
Penerapan Etika Bisnis Islam Dalam Pemasaran Produk Multi Jasa Barokah Dengan Akad Murabahah Di BMT UGT Nusantara Capem Temuguruh Munawir, Munawir; Anwarulloh, Ahmad Aikon
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.v4i1.2917

Abstract

This research aims to determine the Application of Islamic Business Ethics in Marketing Mukti Services Barokah Products with Murabahah Contracts at BMT UGT Nusantara Capem Temuguruh Banyuawangi. The results of the study show the application of Islamic business ethics in the marketing of multi-service Barokah products used by BMT UGT Nusantara Capem Temuguruh which have been identified as: optimizing Islamic business ethics in product marketing by providing honest, clear information and always maintaining behavior in product marketing so that customers are always comfortable in financing or depositing. When a customer wants to apply for multi-service product financing, for example, wants to buy a motorbike but doesn't have enough money, the customer goes to BMT to offer Murabahah financing, after submitting a diacc the BMT immediately buys the motorbike, after that the motorbike already belongs to BMT so the customer gets confirmation that the motorbike it is desirable that the customer has purchased it, then the customer enters into a ba'i al Murabahah contract with the terms agreed at the beginning of the BMT cost price to buy the owner of the motorbike plus BMT profit (margin), after that the customer gets relief to pay off the financing at BMT by means of monthly installments
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.

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