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Muchamad Rizky Fauzi
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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 58 Documents
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Pengaruh Intellectual Capital dan Islamicity Performance Indexs Terhadap Profitability di PT Bank Muamalat Indonesia Periode 2017-2024 Supriyanto; Fenti Yuliartin
Jurnal Perbankan Syariah Vol 6 No 1 (2026): 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/dhpjzj59

Abstract

This study aims to analyze the influence of Intellectual Capital (IC) and the Islamicity Performance Index (IPI) on Return On Assets (ROA) at Bank Muamalat Indonesia, recognized as the pioneer of Islamic banking in the country. The background of this research emphasizes the importance of intangible asset management and adherence to Islamic principles as efforts to improve financial performance in Islamic banks. This research uses a descriptive quantitative method with secondary data derived from the quarterly financial reports of Bank Muamalat Indonesia for the period 2017–2024. The data were analyzed using multiple linear regression assisted by SPSS 24 software. The results show that, partially, IC has a positive and significant effect on ROA with a significance value of 0.018, while IPI also has a positive and significant impact with a significance value of 0.003. Simultaneously, both variables significantly influence ROA, as indicated by the F-test significance value of 0.000. These findings suggest that strengthening intellectual capital and enhancing compliance with sharia principles through IPI are crucial strategies for increasing the profitability of Islamic banks.
ANALISIS MANAJEMEN KEUANGAN RUMAH TANGGA KELUARGA NELAYAN DI KECAMATAN TUBAN Dian Rustyawati; Diana Nur Indah Purnamasari; Mila Kamilatun Nisa
Jurnal Perbankan Syariah Vol 6 No 1 (2026): 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/tnbgfj70

Abstract

Potensi sumber daya kelautan Indonesia sangat besar dan mampu memberikan kontribusi terhadap penyediaan pangan, peningkatan pendapatan masyarakat, serta penciptaan lapangan kerja. Akan tetapi, pekerjaan sebagai nelayan memiliki karakteristik pendapatan yang tidak tetap karena dipengaruhi oleh kondisi cuaca, musim, gelombang laut, dan hasil tangkapan ikan. Penelitian ini bertujuan untuk menganalisis manajemen keuangan rumah tangga keluarga nelayan di Kecamatan Tuban serta mengidentifikasi berbagai permasalahan yang muncul dalam pengelolaan keuangan keluarga. Penelitian ini merupakan penelitian kualitatif dengan jenis penelitian Fenomenologi. Manajemen keuangan keluarga nelayan tradisional di Kelurahan Karangsari Kabupaten Tuban masih terbatas karena kondisi pendapatan yang tidak pasti. Keuangan dipegang penuh oleh istri nelayan yang mengatur pengelolaan pemasukan untuk memenuhi kebutuhan keluarga. Namun selama ini belum dilakukan pencatatan keuangan, sehingga belum mengetahui proporsi kebutuhan rumah tangga dan belum ada perencanaan keuangan yang terstruktur. 
IMPLEMENTASI AKAD QARDH PADA PENYEDIAAN BENIH JAGUNG BAGI PETANI DALAM PERSPEKTIF ETIKA EKONOMI ISLAM Siswoyo; Moch Syifa'ul Fu'ad
Jurnal Perbankan Syariah Vol 6 No 1 (2026): 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/swgcnv59

Abstract

Limited capital at the start of the planting season is a major obstacle maize farmers face when acquiring seeds. One financing option aligned with Sharia principles is the qardh agreement a loan arrangement that entails no additional charges. This study aims to analyze the implementation of the qardh agreement for maize seed provision at Toko Suroso Berkah in Sembung Village and to examine its alignment with Islamic economic ethics. A qualitative approach utilizing phenomenology was employed. Data were gathered through observation, in-depth interviews, and document collection, then analyzed using an interactive analysis techniqueinvolving data reduction, information presentation, and conclusion drawing alongside source triangulation to verify accuracy. The findings indicate that the qardh agreement is implemented by providing seeds to farmers without upfront payment; repayment occurs post-harvest and is free from interest, penalties, or additional fees. This mechanism helps overcome capital constraints, sustains farming operations, boosts productivity, and strengthens the partnership and trust between the shop owner and the farmers. From the perspective of Islamic economic ethics, the practice reflects values ??such as ta'awun (mutual assistance), amanah (trustworthiness), justice, and maslahah (public interest); thus, it not only complies with fiqh muamalah (Islamic commercial jurisprudence) but also contributes to community economic empowerment and improved farmer welfare. Consequently, the implementation of the qardh agreement holds potential as a Sharia-based productive financing model for the agricultural sector
Analisis Kinerja Keuangan Bank Syariah Indonesia dengan Menggunakan Metode Eagles (Earning Ability, Asset Quality, Growth, Liquidity, Equity, dan Strategic Management) Periode 2021-2023 Ni’matul Khoiriyah; 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 Rica Rahim Lubis
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: Gold Installment Lailatul Maghfiroh Putri Rifardi; Susi Noviana; Indah Raissa Qur’ani
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 Tri Wina Sabrina; Mey Yunanda; Ahyarul Juanda Sagala; Khaidar Rahmaini Jamila
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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