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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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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.
Pengaruh Kualitas Pelayanan Dan Penanganan Keluhan Terhadap Pembiayaan Bermasalah Di BMT Artha Abadi Ika Wahyu Purnama; Miswan Ansori; Mubarok, Ahmad Fauzan
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3347

Abstract

This research aims to analyze the influence of service quality and complaint handling on problematic financing at BMT Artha Abadi Jepara. The method used in this research is a quantitative method with a field research design. The research sample was 32 respondents. The data analysis used is multiple linear regression analysis with the help of SmartPLS4 software. The research results show that service quality has no effect on financing problems at BMT Artha Abadi Jepara (p-value: 0.384>0.05). Handling complaints has no effect on problematic financing at BMT Artha Abadi Jepara (p-value: 0.215>0.05). Service quality and complaint handling simultaneously or together influence problematic financing at BMT Artha Abadi Jepara (p-value: 0.000<0.05). The results of this research can be an alternative solution to reduce the high number of financing problems that often occur in various financial institutions. Through this research, it was found that jointly or simultaneously, service quality and complaint handling can influence problematic financing. In this way, it is hoped that it can make a contribution to financial institutions experiencing problems related to problematic financing.
Strategi Manajemen Risiko Produk iB Kepimilkan Rumah Pada KB Bank Syariah KC Sidoarjo Prespektif Saddudz al-Dzari’ah Hidayat, Bintang Kurnia; Ghozali, Muhammad Lathoif
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3473

Abstract

This research was conducted to analyze risk management strategies for the iB home ownership product at KB Bank Syariah KC Sidoarjo from the perspective of Saddudz al-Dzari’ah. This article adopts a qualitative research method, where primary data is obtained from interviews, to the extent that risk management is controlled by the bank. Meanwhile, secondary data was obtained in the form of journal archives and other references related to the research title. The research findings in this study indicate that KB Bank Syariah has an appropriate risk management strategy aligned with Saddudz al-Dzari’ah through its three lines of defense framework, which is in accordance with mafsadah and maslahah. It is hoped that future researchers can update the data and examine it more thoroughly.
Konsep Mekanisme Pasar Menurut Abu Yusuf Dan Ibnu Khaldun Dalam Kitab Al-Muqoddimah Dan Al-Kharaj Sifa', Moh Agus; Subakir, Ahmad
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3637

Abstract

This article discusses the concept of market mechanisms according to Abu Yusuf and Ibn Khaldun, with an in-depth analysis of their main works, Al-Kharaj and Al-Muqaddimah. Abu Yusuf, a jurist and economic advisor during the Abbasid Dynasty, emphasized the importance of the government's role in regulating markets to prevent injustice and exploitation. Meanwhile, Ibn Khaldun, a philosopher and historian, offered a more dynamic perspective on markets, emphasizing the balance between supply and demand and the influence of economic policy on the cycles of civilization. This research uses a qualitative method with a content analysis approach to identify similarities and differences in the views of the two figures. The results of the study show that despite having different approaches, both agree that justice and economic stability are key elements in an ideal market mechanism. It is hoped that this article will contribute to a deeper understanding of classical Islamic economic thought and its relevance in the modern economic context
THE ROLE OF TRANSGENDER IN ECONOMY DEVELOPMENT IN MOJOKERTO: A DESCRIPTIVE RESEARCH Budianto, Lestari; Maknuun, Lu’lu’il; Wahyuni, Firdita; Efendi, Mansur; Ramadhani, Nurcipah; Anisa Nur Faujiah, Siti
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3661

Abstract

This descriptive research explores the economic roles and challenges of transgender individuals in Mojokerto, Indonesia, focusing on their experiences of discrimination, economic survival strategies, and community support. Employing a qualitative approach, semi-structured interviews, focus group discussions, and participant observations were conducted with 30 transgender individuals. Findings reveal pervasive discrimination in employment, education, and healthcare, leading many to pursue informal sector work. Despite barriers, transgender individuals demonstrate resilience through entrepreneurship and community networks, contributing to local economic activities. Cultural and religious contexts influence their experiences, sometimes providing unexpected support. Limitations include sample size and potential biases in self-reported data. Recommendations include policy reforms for anti-discrimination laws, inclusive education, healthcare access, and community-based economic initiatives. This study contributes nuanced insights into transgender economic experiences in Mojokerto, advocating for inclusive policies and future research to enhance understanding and support for transgender communities globally.
The Influence Of Islamic Work Ethics, Islamic Work Motivation And Islamic Work Environment On Employee Performance Of Banks Of Syariah Indonesia In Banyuwangi City Area Suprapto, Ribut; Susanti, Nawal Ika; Masitoh, Dewi; Mamlukhah, Mamlukhah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3674

Abstract

The purpose of this study was to determine the influence of Islamic work ethics (X1), Islamic work motivation (X2), and Islamic work environment (X3) on employee performance (Y) at BSI Banyuwangi City Region. This study uses a quantitative approach with a questionnaire research type. The sample collection technique uses Nonprobability sampling in the form of saturated sampling . The number of respondents obtained was 60 employees. The analysis tool uses multiple linear regression with the help of SPSS 25 software.Testing using (t-test) shows that Islamic Work Ethics do not have a significant effect on employee performance at BSI Banyuwangi City Area. It has a t count of 0.579 which is smaller than the t table of 1.672 with a significance probability level of 0.565 which is greater than 0.05. Islamic Work Motivation does not have a significant effect on employee performance at BSI Banyuwangi City Area. It has a t count of 0.625 which is smaller than the t table of 1.672 with a significance probability level of 0.535 which is greater than 0.05. Islamic Work Environment has a significant effect on employee performance at BSI Banyuwangi City Area . It has a t count of of 3.802 which is greater than t table 1 , 672 with a significance probability level of 0.000 which is smaller than 0.05. So from the results of the research conducted by the researcher, it can be concluded that together, Islamic Work Ethics, Islamic Work Motivation, and Islamic Work Environment have an effect on Employee Performance at BSI Banyuwangi City Area.
Peran Dan Kontribusi Perbankan Syariah Dalam Perekonomian Indonesia: Tinjauan Histori Aisyah, Aisyah; Ansori, Miswan
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3405

Abstract

Islamic banking has developed into an important part of the world's financial system, especially in Indonesia, which is one of the most populous Muslim countries in the world.. The existence and role of banking in Indonesia, both for society and for large, medium, and small industries, have a significant impact. This is caused by the high demand for banking services, whether for capital strengthening or fund storage, which has become an essential part of daily life. This study aims to analyze the role and contribution of Islamic banking to Indonesia's economy through a historical perspective. Using a descriptive qualitative method, the research examines the development of Islamic banking since the establishment of Bank Muamalat in 1992 to the present. The findings reveal that Islamic banking makes an important contribution in supporting the national economy, particularly through Sharia-based financing focused on empowering micro, small, and medium enterprises (MSMEs). However, Islamic banking faces significant challenges, such as low Islamic financial literacy, limited product innovation, and competition with conventional banking. To address these obstacles, strategic measures are required, including strengthening regulations, enhancing Islamic financial literacy education, and leveraging digital technology to expand access to financial services. These findings emphasize that collaboration among the government, society, and industry players is essential to strengthen the role of Islamic banking as a driver of equitable and sustainable economic growth.

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