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INSTITUT AGAMA ISLAM NAHDLATUL ULAMA TUBAN Jl. Manunggal No. 10-12 Sukolilo, Tuban 62318 Telp. (0356) 331572 Fax (0356) 331572
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JIB : Journal Islamic Banking
Published by Institut Agama Islam Nahdlatul Ulama Tuban
ISSN : -     EISSN : 29857708     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
JIB : Jurnal Perbankan Syariah is the journal published by IAINU Tuban Islamic Banking Study Program. It’s dedicated for the publication of scientific articles in the field of Islamic Financial Institution, Contempopary muamalat jurisprudence, entrepreneurship and creative economy, and Islamic economics and business. The languages used in this journal are Indonesian and English. This journal published twice a year in June and Desember in a print and online version. Editors accept scientific articles, academics and researchers that have not been published in other journals.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 50 Documents
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Digital Transformation and the Application of Artificial Intelligence in the Financial Sector Kosh Jr, Emory; Rohim, Ahmad Miftahur
Jurnal Perbankan Syariah Vol 5 No 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i1.1076

Abstract

Abstract: The digital transformation driven by advances in Artificial Intelligence (AI) has fundamentally changed the way the financial sector operates. This study aims to analyze the application of AI and digital technologies in the financial industry, including banking, fintech, and insurtech, as well as to identify the benefits, challenges, and future prospects. Using a qualitative approach based on literature review, the findings reveal that AI significantly contributes to operational efficiency, service personalization, and the expansion of financial inclusion. The implementation of technologies such as machine learning, NLP-based chatbots, robo-advisory platforms, and user data processing in insurance has enhanced the speed, accuracy, and reach of financial services. Nevertheless, major challenges remain, particularly in terms of data privacy protection, algorithmic bias, and cybersecurity. This study recommends strengthening regulations and developing adaptive security systems to ensure that financial digitalization proceeds in a safe, fair, and sustainable manner.
Pengukuran Kinerja Bank Syariah Berdasarkan Maqashid Syariah Perspektif Abdul Majid Najjar Adisasmita, Yusuf Hakim; Zaky, Achmad
Jurnal Perbankan Syariah Vol 5 No 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i1.1113

Abstract

In Indonesia, both conventional and Islamic banks continue to adopt conventional performance measurement approaches, which often fall short of aligning with Islamic sharia principles. Consequently, there is a pressing need for performance evaluation models specifically designed to reflect sharia principles in assessing Islamic banks. This study aims to evaluate and analyze the performance of Bank Muamalat Indonesia (BMI) over the period from 2020 to 2023 using the Maqashid Shariah Index (MSI) as developed from the perspective of Abdul Majid Najjar. Employing a single case study approach, the research is based on content analysis of secondary data obtained from BMI’s official website. The analysis reveals a decline in BMI's performance scores in 2021 and 2022 compared to its performance level in 2020. However, the performance score showed an upward trend in 2023. The decline in BMI’s performance in 2021 was primarily driven by a decrease in the Real Sector Investment Ratio. In 2022, the continued downturn in performance was influenced by a reduction in the Ecological Ratio. Conversely, the improvement in BMI’s performance in 2023 was largely attributed to an increase in the Ecological Ratio.
Problematika dan Tingkat Akses Keuangan pada UMKM : Sebuah Pintu Kinerja yang Lebih Baik Shofi, Fadhoilus
Jurnal Perbankan Syariah Vol 5 No 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i1.1117

Abstract

This research seeks to examine the Issues and Level of Financial Access for MSMEs in Pamekasan Regency. This research is a quantitative study. The sample was calculated using the Slovin formula. The result of the Slovin formula calculation yielded a sample of 135 MSME respondents in Pamekasan Regency for this study. The sampling technique used in this research was Proportional sampling. Because the average responses from respondents regarding financial access, as depicted by Location, Use of Services and Financial Facilities, and Information, are not good, it can be concluded that the level of Financial Access for MSMEs is poor. Factor Analysis also found that the order of factors from the worst to the best or from the smallest to the largest is the Information Factor, Financial Facilities Factor, Service Factor, and Location Factor, which represent the Financial Access.
Peran Permodalan dalam Meningkatkan Efisiensi Biaya melalui Pengaruh Suku Bunga dan Inflasi di Sektor Perbankan Diana Purnamasari; Muslim, Dzurotun Khanifah; Wardah Sukriya
Jurnal Perbankan Syariah Vol 5 No 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i1.1119

Abstract

Banks are financial intermediary institutions, therefore in a country a bank is needed that can carry out its functions properly and operate optimally. This study aims to determine the effect of capital, interest rates and inflation on bank cost efficiency in banks going public in 2021-2024. The data used is secondary data obtained through the idx.co.id website. The data analysis method used is multiple linear regression. The results of this study indicate that simultaneously capital, interest rates, and inflation have a significant effect on cost efficiency, partially capital and interest rates have a negative and insignificant effect on cost efficiency, partially inflation has an insignificant effect on cost efficiency. The greater the capital owned by a bank, the greater the size of the bank. Large bank capital can be channeled to third parties in the form of financing, or other investments that provide profits for the bank. if the bank's profits are large, then the bank's cost efficiency will also increase.
Konsep dan Implementasi Perbankan Syariah dan Manajemen Pendidikan Islam di Era Industri 4.0 Rustya, Dian; Fuad, Moch Syifa'ul
Jurnal Perbankan Syariah Vol 5 No 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i1.1258

Abstract

The Industrial Revolution 4.0 is a form of industrial transformation characterised by the emergence of digital and physical technology integration, which has begun to change the way of production, distribution, and consumption. The use of technology in various aspects of life, including education and the economy, encourages product innovation to keep pace with the times. The issues in this study are 1) how the theoretical concepts of Islamic Banking and Islamic Education Management should be reconstructed/adapted in the era of Industry 4.0, 2) how Islamic Banking and Islamic Education Management (MPI) are implemented in educational institutions in facing the challenges of the Industry 4.0 era, and 3) how a synergy strategy can be built between Islamic Banking and MPI institutions in producing competent human resources in the 4.0 era. This research applies a descriptive qualitative method with a focus on literature research. The concept of ideal Islamic banking and Islamic education governance in the Industry 4.0 era needs to be harmonised. The Islamic banking sector acts as a provider of funds for education financing using qardh or ijarah, while ideal Islamic education acts as a producer of Sharia 5.0 Human Resources. The implementation of Islamic banking and Islamic education management has its own challenges. These challenges include the emergence of a digital divide in society, ever-changing government regulations, and the application of Islamic values in accordance with the conditions and demands of the Industrial Revolution 4.0 era. The development of the 4.0 Industrial Revolution era requires synergy between Sharia Banking and Islamic Education Management, where Sharia Banking provides capital for infrastructure development and Islamic Education provides the human resources to implement the existing system in society.
Analisis Kinerja Keuangan Bank Syariah Indonesia dengan Menggunakan Metode Eagles (Earning Ability, Asset Quality, Growth, Liquidity, Equity, dan Strategic Management) Periode 2021-2023 Khoiriyah, Ni’matul; Supriyanto
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1055

Abstract

Financial performance is a form of description of the financial condition of a bank or company that is analyzed using the financial performance analysis method to find out how bad a bank's financial condition is in a certain period. This study uses the EAGLES method in researching the financial performance of Bank Syariah Indonesia in 2021-2023 based on quarterly reports to measure bank performance that is more precise, consistent and objective. Based on the background of the problem, this research is expected to provide an answer to the formulation of the problem How is the analysis of Bank Syariah Indonesia's financial performance based on quarterly reports reviewed from the aspects of Earning Ability, Asset Quality, Growth Rate, Liquidity, Equity and Strategic Management for the 2021-2023 period? Based on this formulation, this study aims to find out how the analysis of Bank Syariah Indonesia's financial performance based on quarterly reports is reviewed from the aspects of Earning Ability, Asset Quality, Growth Rate, Liquidity, Equity and Strategic Management for the 20212023 period. This study uses a descriptive quantitative method. The data is analyzed in the form of financial statements with the type of quarterly report taken through the official website or website of Bank Syariah Indonesia. From the results of the study, it can be concluded that the financial performance of Bank Syariah Indonesia using the EAGLES method for the 2021-2023 period based on quarterly reports can be categorized as good. The results of this study are expected to be used as a basis for further research on similar fields of study in the scope of research.
Tabungan Easy Wadi’ah Menjadi Primadona di BSI KCP. Kampung Pajak Lubis, Rica Rahim
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1122

Abstract

This study aims to analyze why the Easy Wadi’ah Savings product has become the leading choice at PT. Bank Syariah Indonesia Tbk Kampung Pajak Branch Office. This product is based on the wadi’ah yad dhamanah contract, which is free from riba elements and adheres to Islamic financial principles. The research employed a descriptive qualitative approach through direct observation, interviews, and documentation during the internship period. The findings reveal that this savings product is highly favored by the public due to its ease of transactions, zero administrative fees, and accessibility via the BSI Mobile application. Other contributing factors include friendly customer service, product socialization via webinars, and increasing public awareness of Islamic financial services. These findings highlight the importance of innovation based on Islamic values in strengthening the competitiveness of Islamic banking products in the modern era.
Diversification of Financing Portfolio Through Gold Installment Products at PT BPRS Lantabur Tebuireng Rifardi, Lailatul Maghfiroh Putri; Noviana, Susi; Qur’ani, Indah Raissa
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1322

Abstract

This study examines portfolio diversification through gold installment products at PT BPRS Lantabur Tebuireng as a strategy for mitigating Non-Performing Financing (NPF) risk. Gold installment products use murabahah contracts, which allow customers to gradually acquire gold through a fixed installment system. The purpose of this study is to analyze the implementation of gold installment products as a financing diversification instrument and identify their role in mitigating NPF risk at PT BPRS Lantabur Tebuireng. The research method used a descriptive qualitative approach with data collection techniques through interviews, observation, and documentation studies. The results show that the gold installment product contributes significantly to NPF risk mitigation through collateral in the form of gold, which has stable value and high liquidity. Portfolio diversification through this product reduces the risk of financing concentration, which was previously dominated by conventional murabahah financing in the consumptive and productive sectors. The implementation of murabahah contracts in gold installment products is in accordance with sharia principles based on the DSN-MUI fatwa with price transparency and margin certainty. The study recommends optimizing gold installment products as a risk management strategy, strengthening the financing monitoring system, and developing similar products to strengthen the resilience of BPRS financing portfolios.
Investasi Emas sebagai Instrumen Lindung Nilai Syariah di Tengah Ketidakstabilan Ekonomi: Studi Kasus pada Pengguna Aplikasi TRING Diana Purnamasari
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1325

Abstract

This study aims to understand the experiences of TRING app users in investing in gold as a sharia-compliant hedging instrument amid economic instability. The study uses a qualitative approach that allows researchers to explore the meanings, motivations, and perceptions behind digital gold investment decisions. Data was collected through in-depth interviews with users of various age groups and analyzed by identifying indicators that emerged during the interview process.The results show that gold is viewed as a stable, safe asset that complies with sharia principles, making it the primary choice for preserving wealth. The TRING application is perceived as providing easy access, fast transactions, and features that make it easy for novice investors to invest in gold without having to purchase physical gold. Trust and security proved to be the dominant factors influencing user loyalty, including guarantees of gold authenticity, price transparency, data protection, and compliance with sharia principles. In addition, digital gold investment provides psychological peace of mind for users, especially when facing unstable economic conditions.
Analisis Perkembangan Produk dan Layanan Bank Syariah Di Pakistan Wina Sabrina, Tri; Yunanda, Mey; Sagala, Ahyarul Juanda; Jamila, Khaidar Rahmaini
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1336

Abstract

Islamic banking in Pakistan has unique characteristics compared to other Muslim countries, as from its early development it was directed toward the Islamization of the entire national banking system. This study aims to analyze the development of Islamic banking products and services in Pakistan as well as the dynamics accompanying it. The research method employed is a descriptive qualitative approach through a literature review, utilizing secondary data obtained from books, scholarly articles, and relevant reports. The results indicate that Islamic banking in Pakistan has experienced significant growth, as reflected in the diversification of financing products such as murabahah, mudarabah, musharakah, and ijarah, as well as savings and investment services and Islamic financial instruments such as sukuk. In addition to functioning as commercial financial institutions, Islamic banks in Pakistan also perform a social role through the management of zakat, waqf, and Islamic social funds. Regulatory support from the State Bank of Pakistan has further contributed to the growth of this sector. Nevertheless, this development continues to face challenges, including limited Islamic financial literacy, the need for product innovation, and competition with conventional banks. This study is expected to contribute to the enrichment of academic literature on Islamic banking and to serve as a reference for the sustainable development of the Islamic banking industry in Pakistan.

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