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Regress: Journal of Economics & Management
Published by Medan Resource Center
ISSN : -     EISSN : 2827945X     DOI : 10.57251
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Regress: Journal of Economics & Management is a peer-reviewed journal published by the Medan Resource Center. The journal aims to advance theoretical and practical knowledge by promoting high-quality research and providing a platform for researchers, academicians, and practitioners to share their findings, insights, and experiences. The journal publishes scholarly articles and empirical research papers on economics and management. It accepts original research articles, review articles, and case studies that cover a broad range of topics related to the fields of economics and management. The journal is published triannually in June, October, and February, and accepts articles in Bahasa Indonesia or English.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "vol. 1 no. 2 (2021)" : 5 Documents clear
Pengaruh Pembiayaan dengan Akad Murabahah terhadap Tingkat Profitabilitas Bank di Kantor Cabang Bank Syariah Indonesia Kabanjahe Sofiyah Montase Siregar; Khairina Tambunan
Regress: Journal of Economics & Management Vol. 1 No. 2 (2021)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57251/reg.v1i2.271

Abstract

This study investigates the impact of murabahah financing on bank profitability at Bank Syariah Indonesia Kabanjahe Branch in response to the need to evaluate the performance of Islamic financing instruments within competitive financial markets. The research problem addresses whether murabahah-based financing significantly influences the profitability level of the bank. Using a quantitative approach, the study analyzes customer financing data from 2019 to 2021 through normality testing, multicollinearity analysis, multiple linear regression, and t-tests. The empirical results demonstrate a statistically significant and positive relationship between murabahah financing and bank profitability, indicating that higher volumes of murabahah financing contribute to improved financial performance. These findings confirm the strategic role of murabahah as a dominant profit-generating instrument in Islamic banking operations. The study concludes that strengthening murabahah financing portfolios can enhance the profitability and financial sustainability of Islamic banks, particularly at the branch level, while reinforcing the effectiveness of Sharia-compliant financing mechanisms in supporting institutional growth.
Implementasi Akad Wadi’ah pada Produk Bank Syariah Indonesia Tabungan Easy Wadi’ah di Bank Syariah Indonesia Kantor Cabang Binjai Elvy Zahara Gultom
Regress: Journal of Economics & Management Vol. 1 No. 2 (2021)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57251/reg.v1i2.273

Abstract

This study examines the implementation of Wadiah contracts in the Easy Wadiah savings product at Bank Syariah Indonesia, Binjai Branch, in the context of Islamic banks’ fund?raising activities amid increasing demand for simple and Sharia-compliant savings instruments. The research addresses two main questions: how the Easy Wadiah savings mechanism operates and how the Wadiah contract is applied in practice. Employing a qualitative descriptive approach, data were collected through observation, in-depth interviews, and document analysis. The findings indicate that Easy Wadiah is the most preferred savings product due to its operational simplicity and transactional convenience, and that its mechanism conforms to Sharia principles derived from the Qur’an and Hadith. The product is implemented using the Wadiah Yad Dhamanah contract, which allows the bank to utilize deposited funds while guaranteeing their return. Although Sharia theory suggests that any bonus should be voluntary and provided in the form of goods or services, in practice the bank credits the bonus directly to customers’ accounts. Overall, the study demonstrates that the Easy Wadiah product largely adheres to Sharia-compliant principles while exhibiting adaptive practices within contemporary Islamic banking operations.
Konsep Sistem Gadai Emas dan Penerapannya di Bank Syariah Indonesia Kantor Cabang Pembantu Gunung Tua Bona Darwisah Pohan; Khairina Tambunan
Regress: Journal of Economics & Management Vol. 1 No. 2 (2021)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57251/reg.v1i2.274

Abstract

This study examines the implementation of the Islamic gold pawn (rahn) system at Bank Syariah Indonesia Kantor Cabang Pembantu Gunung Tua within the context of Indonesia’s dual sharia pawn framework, where Islamic pawnshops and Islamic banks serve different collateral and financing roles. The research problem addresses how gold-based rahn is operationalized in Islamic banking and whether its practices comply with Sharia principles. Using a qualitative approach, data were collected through observation, in-depth interviews, and documentation, supported by relevant literature. The findings indicate that the gold pawn system at this branch is structured through clear requirements, contract arrangements, valuation mechanisms, collateral maintenance, maturity and liquidation procedures, and multifunctional customer services. The implementation is continuously supervised by the National Sharia Council (DSN–MUI) and grounded in the Qur’an and Hadith. The study concludes that the gold pawn practices at Bank Syariah Indonesia KCP Gunung Tua conform to Islamic legal principles, reinforcing the view that all forms of muamalah are permissible unless explicitly prohibited by Sharia, thereby validating rahn as a legitimate and socially responsive Islamic financial instrument.
Minat Masyarakat dalam Menabung selama Masa Pandemi di Bank Pembiayaan Rakyat Syariah Al-Washliyah Medan Irma Juniartik
Regress: Journal of Economics & Management Vol. 1 No. 2 (2021)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57251/reg.v1i2.289

Abstract

The COVID-19 pandemic created profound economic uncertainty that challenged household financial behavior and the sustainability of Islamic rural banking, raising the question of how and why public interest in saving evolved during this period at Bank Pembiayaan Rakyat Syariah Al-Washliyah Medan. This study employs a qualitative approach based on observations, in-depth interviews, and document analysis to examine the dynamics of saving behavior and the institutional strategies adopted by the bank. The findings demonstrate that public interest in saving increased during the pandemic, shaped by five interrelated dimensions—attention, interest, trust, conviction, and feelings of happiness—although limited household income constrained the ability of many individuals to save. The bank responded to these conditions through a marketing mix (4P) strategy involving product design, pricing, distribution, and promotion, complemented by direct community outreach and the use of digital platforms when school-based socialization was no longer feasible. The study argues that adaptive marketing strategies and strengthened trust-based relationships enabled the bank to maintain and even enhance saving behavior under crisis conditions, confirming the strategic relevance of socially embedded Islamic financial institutions during periods of systemic disruption.
Pengaruh Pelayanan Teller terhadap Tingkat Kepuasan Nasabah pada Bank Syariah Indonesia Kantor Cabang Pembantu Stabat Proklamasi Nurlatifah Manurung; Khairina Tambunan
Regress: Journal of Economics & Management Vol. 1 No. 2 (2021)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57251/reg.v1i2.301

Abstract

This study is situated within the growing competition among Islamic banks, where service quality—particularly teller performance—has become a strategic determinant of customer satisfaction at Bank Syariah Indonesia, Kantor Cabang Pembantu Stabat Proklamasi. It addresses the central question of whether teller services significantly influence customer satisfaction by employing an analytical quantitative design with a sample of thirty-six customers selected from the bank’s client population. Teller service was treated as the independent variable and customer satisfaction as the dependent variable, with data analyzed through validity and reliability tests, normality testing, simple regression, t-tests, and correlation analysis using Microsoft Excel 2007 and Statistical Package for the Social Sciences version 22.0. The results demonstrate a statistically significant positive effect of teller services on customer satisfaction, with an effect size of 0.651, indicating that approximately 56.1 percent of the variation in customer satisfaction is explained by teller service performance. The remaining variance is attributable to factors outside the regression model. The study argues that strengthening teller professionalism and service responsiveness constitutes a critical pathway for enhancing customer satisfaction and sustaining institutional competitiveness in Islamic banking.

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