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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 45 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.

Page 5 of 5 | Total Record : 45

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