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Jurnal Riset Perbankan Syariah
Published by Universitas Islam Bandung
ISSN : 29617235     EISSN : 29617227     DOI : https://doi.org/10.29313/jrps.vi
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Jurnal Riset Perbankan Syariah (JRPS) adalah jurnal peer review dan dilakukan dengan double blind review (direview secara tertutup) yang mempublikasikan kajian teoritik dan hasil riset terhadap isu empirik dalam sub kajian Perbankan Syariah. JRPS ini dipublikasikan pertamanya 2022 dengan eISSN 2961-7227 yang di kelola dan di publikasikan oleh UPT Publikasi Ilmiah, Universitas Islam Bandung. Semua artikel diperiksa plagiasinya dengan perangkat lunak anti plagiarisme. Jurnal ini terindeks di Google Scholar, Garuda, Crossref, dan DOAJ. Terbit setiap Juli dan Desember.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 110 Documents
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Pengaruh Pembiayaan Mudharabah, Musyarakah, Fee Ijarah, dan Pendapatan Margin Murabahah terhadap Laba Bersih Bank Najiyyatul Murtadlo; Zaini Abdul Malik; Akhmad Yusup
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.9951

Abstract

Abstrak.  Penerapan prinsip syariah dalam pengelolaan pembiayaan dan sumber pendapatan menjadikan perbankan syariah berperan penting dalam meningkatkan kinerja keuangan. Fluktuasi laba bersih Bank Panin Dubai Syariah selama periode 2021–2024 menunjukkan perlunya analisis faktor-faktor yang memengaruhinya. Penelitian ini bertujuan menganalisis pengaruh pembiayaan Mudharabah, pembiayaan Musyarakah, fee ijarah, dan pendapatan margin Murabahah terhadap laba bersih Bank Panin Dubai Syariah periode 2021–2024. Penelitian menggunakan pendekatan kuantitatif dengan analisis regresi linier berganda. Data berupa laporan keuangan bulanan periode 2021–2024 yang diperoleh dari situs resmi bank dengan 48 observasi. Data dikumpulkan melalui dokumentasi dan studi kepustakaan, kemudian diolah menggunakan EViews 12. Hasil penelitian menunjukkan bahwa pembiayaan Mudharabah dan fee ijarah berpengaruh signifikan terhadap laba bersih. Pembiayaan Musyarakah berpengaruh negatif dan signifikan, sedangkan pendapatan margin Murabahah tidak berpengaruh signifikan. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap laba bersih. Nilai R² sebesar 0,560176 menunjukkan bahwa 56,02% variasi laba bersih dapat dijelaskan oleh variabel dalam model, sedangkan sisanya dipengaruhi faktor lain di luar model.Abstract. The application of Sharia principles in financing and revenue management enables Islamic banking to play an important role in improving financial performance. Fluctuations in the net profit of Bank Panin Dubai Syariah during the 2021–2024 period indicate the need to analyze the factors influencing these changes. This study aims to examine the effects of Mudharabah financing, Musyarakah financing, Ijarah fees, and Murabahah margin income on the net profit of Bank Panin Dubai Syariah from 2021 to 2024. A quantitative approach with multiple linear regression analysis was employed. The data consisted of monthly financial reports for the 2021–2024 period obtained from the bank's official website, comprising 48 observations. Data were collected through documentation and literature review and analyzed using EViews 12. The results show that Mudharabah financing and Ijarah fees have a significant effect on net profit. Musyarakah financing has a negative and significant effect, while Murabahah margin income has no significant effect on net profit. Simultaneously, all independent variables significantly affect net profit. The coefficient of determination (R²) of 0.560176 indicates that 56.02% of the variation in net profit can be explained by the variables in the model, while the remaining 43.98% is influenced by other factors outside the model.
Pengaruh Pembiayaan Mikro Syariah KUR dan Literasi Keuangan dalam Pemberdayaan UMKM Ade Tita; Intan Manggala Wijayanti
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.9957

Abstract

Abstrak. UMKM berkontribusi 59,08% terhadap PDB Indonesia tahun 2012, tetapi akses pembiayaan menjadi kendala utama. Bank Syariah Indonesia (BSI) Cabang Buah Batu 2 Bandung aktif menyediakan KUR mikro syariah dengan prinsip syariah dan persyaratan yang terjangkau. Penelitian ini menganalisis pengaruh pembiayaan KUR mikro syariah dan literasi keuangan terhadap pemberdayaan UMKM menggunakan pendekatan kuantitatif pada 125 pelaku UMKM yang telah menjalankan usahanya minimal 2 tahun. Data diperoleh melalui kuesioner skala Likert dan dianalisis menggunakan regresi linier berganda setelah melalui uji validitas dan reliabilitas. Hasil penelitian menunjukkan bahwa pembiayaan KUR mikro syariah dan literasi keuangan secara simultan berpengaruh positif dan signifikan terhadap pemberdayaan UMKM. Secara parsial, pembiayaan KUR mikro syariah memberikan pengaruh yang lebih dominan dibandingkan literasi keuangan, dan keduanya berpengaruh signifikan terhadap pemberdayaan UMKM. Pembiayaan syariah dan literasi keuangan menjadi faktor penting dalam pemberdayaan UMKM. Oleh karena itu, pendampingan dan edukasi keuangan oleh bank serta pemerintah perlu terus ditingkatkan untuk mendukung terwujudnya ekonomi yang lebih inklusif.Abstract. MSMEs contributed 59.08% to Indonesia's GDP in 2012, but access to financing remains a major obstacle. Bank Syariah Indonesia (BSI) Buah Batu 2 Branch, Bandung, actively provides Islamic Micro Business Credit (KUR) financing based on sharia principles with affordable requirements. This study analyzes the effect of Islamic Micro Business Credit (KUR) financing and financial literacy on MSME empowerment using a quantitative approach involving 125 MSME owners who have been operating their businesses for at least two years. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression after passing validity and reliability tests. The results indicate that Islamic Micro Business Credit (KUR) financing and financial literacy simultaneously have a positive and significant effect on MSME empowerment. Partially, Islamic Micro Business Credit (KUR) financing has a more dominant influence than financial literacy, and both variables significantly affect MSME empowerment. Islamic financing and financial literacy are important factors in empowering MSMEs. Therefore, financial assistance and financial education provided by banks and the government should be strengthened to support a more inclusive economy.
Pengaruh NPM, DPK, Uang Beredar Islam, dan Inflasi terhadap Laba Bersih Bank Krisna Putra Yasa; Eva Misfah Bayuni
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.9962

Abstract

Abstrak. Perbankan syariah di Indonesia mengalami pertumbuhan yang pesat seiring dengan meningkatnya inovasi dan digitalisasi layanan keuangan. Salah satu wujud perkembangan tersebut adalah transformasi Bank Aladin Syariah melalui proses rebranding dan peralihannya menjadi bank digital berbasis syariah. Namun, meskipun mengalami pertumbuhan, kinerja laba bersih Bank Aladin Syariah menunjukkan tren penurunan bahkan mencapai nilai negatif. Kondisi ini menegaskan pentingnya analisis terhadap faktor-faktor yang memengaruhi laba bersih bank syariah. Penelitian ini bertujuan untuk menganalisis pengaruh Net Profit Margin (NPM), Dana Pihak Ketiga (DPK), uang beredar Islam, dan inflasi terhadap laba bersih Bank Aladin Syariah, baik secara parsial maupun simultan, selama periode 2015–2025. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan triwulanan. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan perangkat lunak EViews 12 pada tingkat signifikansi 5%. Hasil penelitian menunjukkan bahwa NPM berpengaruh positif dan signifikan terhadap laba bersih, sedangkan Dana Pihak Ketiga, uang beredar Islam, dan inflasi tidak berpengaruh signifikan. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap laba bersih dengan nilai Adjusted R-Squared sebesar 46,05%.Abstract. Islamic banking in Indonesia has experienced rapid growth along with increasing innovation and the digitalization of financial services. One manifestation of this development is the transformation of Bank Aladin Syariah through rebranding and its transition into a sharia-based digital bank. However, despite this growth, the net profit performance of Bank Aladin Syariah has shown a declining trend and even reached negative values. This condition highlights the need to analyze the factors influencing the net profit of Islamic banks. This study aims to examine the effect of Net Profit Margin (NPM), Third-Party Funds (TPF), Islamic money supply, and inflation on the net profit of Bank Aladin Syariah, both partially and simultaneously, during the 2015–2025 period. The study employs a quantitative approach using secondary data from quarterly financial statements. Data analysis is conducted using multiple linear regression with EViews 12 at a 5% significance level. The results indicate that NPM has a positive and significant effect on net profit, while Third-Party Funds, Islamic money supply, and inflation have insignificant effects. Simultaneously, all independent variables significantly affect net profit, with an Adjusted R-squared value of 46.05%.
Pengaruh Literasi Keuangan, Akses Layanan, dan Lingkungan Sosial terhadap Preferensi Masyarakat dalam Menggunakan Bank Emok Krisna Kurnia; Yayat Rahmat Hidayat
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstrak. Bank sebagai lembaga keuangan yang salah satu fungsinya adalah menghimpun dana masyarakat memiliki sumber penghimpunan dana sebelum disalurkan kembali kepada masyarakat. Bank syariah memperoleh sumber pendanaan dari modal inti dan dana pihak ketiga yang telah dikelompokkan dalam dana titipan serta kuasi ekuitas. Kampung Barulaskana terletak di Kecamatan Parongpong, Desa Karyawangi, dengan mayoritas masyarakat beragama Islam. Namun, masih banyak masyarakat Barulaksana yang lebih memilih produk pembiayaan yang tidak sesuai syariah seperti Bank Emok. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, akses layanan, dan lingkungan sosial terhadap preferensi masyarakat, baik secara parsial maupun simultan. Metode yang digunakan adalah kuantitatif dengan data primer berupa kuesioner yang dianalisis menggunakan regresi berganda melalui perangkat lunak SPSS Versi 27 dengan tingkat signifikansi 95%. Hasil penelitian menunjukkan bahwa secara parsial, literasi keuangan, akses layanan, dan lingkungan sosial berpengaruh signifikan terhadap preferensi masyarakat. Secara simultan, seluruh variabel independen berpengaruh signifikan dengan nilai Adjusted R-Square sebesar 76,6%, menunjukkan bahwa faktor-faktor tersebut secara bersama-sama menjelaskan 76,6% variasi dalam preferensi masyarakat. Temuan ini memberikan wawasan penting bagi masyarakat dalam menentukan penggunaan lembaga keuangan yang tepat untuk berkelanjutan.Abstract. Bank as a financial institution whose function is to collect public funds must have a source of fund collection before being distributed back to the community. Islamic banks obtain funding sources from core capital and third party funds classified as deposit funds and quasi equity. Barulaskana Village is located in Parongpong District, Karyawangi Village, where most of the people are Muslim. However, many Barulaksana residents still prefer financing products that are not in accordance with sharia such as Bank Emok. This study aims to analyze the influence of financial literacy, service access, and social environment on community preferences, both partially and simultaneously. The method used is quantitative with primary data in the form of questionnaires analyzed using multiple regression through SPSS Version 27 software with a significance level of 95%. The results indicate that partially, financial literacy, service access, and the social environment significantly influence community preferences. Simultaneously, all independent variables had a significant effect, with an Adjusted R-Square value of 76.6%, indicating that these factors together explain 76.6% of the variation in community preferences. These findings provide important insights for the community in determining the appropriate use of financial institutions for sustainability.
Pengaruh Digitalisasi Perbankan Self Service Technology terhadap Kepuasan Pengguna BSI Zefri Maulana; Rafiza Zuliani; Nasruddin; Nabila Nur Hazizah
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.10302

Abstract

Abstrak. Kemajuan teknologi digital telah mendorong transformasi layanan perbankan syariah melalui penerapan Self Service Technology untuk meningkatkan kemudahan, kecepatan, efisiensi, dan kepuasan nasabah. Namun, masih terdapat kendala seperti keterbatasan literasi digital, gangguan teknis sistem, dan variasi tingkat penerimaan masyarakat. Penelitian ini menjawab research gap terkait minimnya studi empiris yang membandingkan pengaruh Automatic Teller Machine (ATM), Mobile Banking, dan Internet Banking terhadap kepuasan pengguna layanan digital pada Bank Syariah Indonesia di Kota Langsa. Kebaruan penelitian terletak pada pengujian ketiga layanan tersebut secara simultan dan parsial untuk mengidentifikasi kontribusi masing-masing terhadap kepuasan nasabah. Pendekatan kuantitatif dilakukan melalui survei terhadap 100 responden dengan teknik purposive sampling, kuesioner skala Likert, dan analisis regresi linear berganda menggunakan SPSS versi 22. Hasil penelitian menunjukkan bahwa ATM dan Internet Banking berpengaruh positif dan signifikan terhadap kepuasan pengguna, sedangkan Mobile Banking tidak berpengaruh signifikan. Secara simultan, ketiga variabel berkontribusi signifikan terhadap kepuasan nasabah. Temuan ini menjadi landasan empiris bagi Bank Syariah Indonesia dalam mengoptimalkan layanan digital sesuai kebutuhan pengguna lokal.Abstract. Advances in digital technology have encouraged the transformation of Islamic banking services through the implementation of Self Service Technology to improve convenience, speed, efficiency, and customer satisfaction. However, challenges remain, including limited digital literacy, technical system failures, and variations in public acceptance. This study addresses the research gap regarding the limited empirical studies comparing the effects of Automatic Teller Machine (ATM), Mobile Banking, and Internet Banking on the satisfaction of digital service users at Bank Syariah Indonesia in Langsa City. The novelty of this study lies in the simultaneous and partial examination of these services to identify their respective contributions to customer satisfaction. A quantitative approach was employed through a survey of 100 respondents using purposive sampling, Likert-scale questionnaires, and multiple linear regression analysis with SPSS version 22. The results indicate that ATMs and Internet Banking have a positive and significant effect on user satisfaction, whereas Mobile Banking does not. Simultaneously, all three variables contribute significantly to customer satisfaction. These findings provide an empirical basis for Bank Syariah Indonesia to optimize digital services according to local user needs and preferences.
Productive Waqf as a Sustainable Model Integrating Islamic Finance, Investment, and ESG Principles Riyan Damara Putra; Syamsul Hilal; Fatih Fuadi; Hotman
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.10357

Abstract

This study examines productive waqf as an ESG-based Islamic finance model by integrating Islamic social finance, sharia-compliant investment, and sustainability-oriented governance. Although waqf has historically supported public welfare, many waqf assets remain underutilized because they are still managed through passive and charity-oriented approaches. Using a qualitative design, this study conducts a systematic literature review of Scopus-indexed publications, supported by thematic synthesis and conceptual modeling. The analysis identifies five interconnected dimensions that determine the effectiveness of productive waqf: governance, investment mechanisms, social impact orientation, sustainability integration, and institutional performance. The findings show that governance strengthens accountability, transparency, and institutional trust, while sharia-compliant investment mechanisms transform waqf assets into sustainable financial resources. ESG integration further enhances productive waqf by aligning economic activities with ethical, social, and environmental objectives. This study contributes to Islamic economics and sustainable finance literature by proposing a systems-based framework that positions productive waqf as a strategic model for generating long-term financial, social, and environmental value.
Tren Dominasi Akad Murabahah pada Lima Bank Syariah Terbesar di Indonesia Tahun 2021-2025 Imam Tauhid Munasar; Nurmala Kasmin; Lilis; Nur Aulia; Nadila; Hamida
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.10517

Abstract

Abstrak. Industri perbankan syariah Indonesia periode 2021–2025 menunjukkan ketergantungan tinggi terhadap akad Murabahah sebagai instrumen pembiayaan utama, namun penelitian terdahulu belum menganalisis fenomena ini secara komparatif-longitudinal pada lima bank umum syariah terbesar. Penelitian ini bertujuan menganalisis tren dominasi akad Murabahah pada lima bank umum syariah terbesar di Indonesia (BSI, Bank Muamalat Indonesia, Panin Dubai Syariah, Bank Mega Syariah, dan BCA Syariah) selama periode 2021–2025. Penelitian menggunakan pendekatan kuantitatif deskriptif-komparatif berbasis data sekunder laporan keuangan tahunan lima bank sampel yang dipilih melalui purposive sampling. Analisis dilakukan menggunakan statistik deskriptif, analisis tren least square, uji Kruskal-Wallis, dan uji post hoc Dunn-Bonferroni dengan SPSS 26. Hasil menunjukkan bahwa akad Murabahah mendominasi portofolio pembiayaan seluruh bank secara konsisten dengan rata-rata Murabahah Financing Ratio (MFR) 50,2%–67,9%. Uji Kruskal-Wallis menunjukkan perbedaan signifikan antarbank, dengan BCA Syariah dan Panin Dubai Syariah sebagai pasangan dengan perbedaan paling signifikan, sejalan dengan dominasi debt-based financing pada perbankan Islam global. Temuan ini berimplikasi pada perlunya evaluasi kebijakan diversifikasi akad oleh OJK serta menjadi rujukan bagi bank syariah dalam mereposisi portofolio pembiayaan agar selaras dengan prinsip keadilan dan bagi hasil.Abstract. Indonesia’s Islamic banking industry during 2021–2025 shows a high reliance on Murabahah contracts as the main financing instrument, yet previous studies have not analyzed this phenomenon comparatively and longitudinally across the five largest Islamic commercial banks. This study aims to analyze the dominance trend of Murabahah contracts at Indonesia’s five largest Islamic commercial banks (BSI, Bank Muamalat Indonesia, Panin Dubai Syariah, Bank Mega Syariah, and BCA Syariah) during 2021–2025. This study uses a descriptive-comparative quantitative approach based on secondary data from the annual financial reports of five sample banks selected through purposive sampling. Analysis was conducted using descriptive statistics, least-square trend analysis, the Kruskal-Wallis test, and the Dunn-Bonferroni post hoc test with SPSS 26. The results show that Murabahah consistently dominates all banks’ financing portfolios, with an average Murabahah Financing Ratio (MFR) of 50.2%–67.9%. The Kruskal-Wallis test indicates significant differences among banks, with BCA Syariah and Panin Dubai Syariah showing the most significant difference, consistent with the global dominance of debt-based financing in Islamic banking. These findings imply the need for OJK to evaluate contract diversification policies and serve as a reference for Islamic banks in repositioning financing portfolios to align with justice and profit-sharing principles. 
Pengaruh Biaya Operasional, Pembiayaan, dan Risiko terhadap Profitabilitas pada PT Bank Muamalat Indonesia Tbk 2014-2023 Nida Aqila; Fazhar Sumantri; Theysa Sahlani Pratiwi
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.10543

Abstract

Abstrak. Mobilisasi dana publik secara fundamental digerakkan oleh fungsi intermediasi perbankan yang kinerjanya esensial dievaluasi menggunakan rasio keuangan akibat adanya inkonsistensi hasil (research gap) pada penelitian terdahulu. Penelitian ini bertujuan menilai kembali stabilitas pengaruh BOPO, FDR, dan NPF terhadap ROA PT Bank Muamalat Indonesia Tbk di masa transisi ekonomi. Menggunakan metode kuantitatif, sampel penelitian ini adalah laporan keuangan resmi periode 2014-2023 yang diuji melalui teknik analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa secara parsial profitabilitas bank didominasi oleh tingkat efisiensi biaya internal, sementara faktor likuiditas dan risiko pembiayaan macet tidak menunjukkan pengaruh nyata. Namun secara simultan ketiga komponen tersebut berpengaruh kolektif terhadap profitabilitas. Kesimpulannya, kemampuan mengendalikan beban operasional internal jauh lebih menentukan keberhasilan perolehan laba bank dibandingkan dinamika pembiayaan eksternal selama satu dekade terakhir. Penelitian ini berkontribusi memberikan panduan strategis bagi manajemen dalam memprioritaskan efisiensi biaya berbasis digital serta menjadi referensi akademik mengenai stabilitas kinerja keuangan bank syariah di masa transisi ekonomi.Abstract. Public fund mobilization is fundamentally driven by the banking intermediation function, the performance of which is essential to evaluate using financial ratios due to inconsistencies in prior research findings (research gap). This study aims to reassess the stability of the effects of BOPO, FDR, and NPF on the ROA of PT Bank Muamalat Indonesia Tbk during an economic transition period. Utilizing a quantitative method, the research sample consists of official financial statements from the 2014-2023 period, tested through multiple linear regression analysis techniques. The results indicate that, partially, bank profitability is dominated by the level of internal cost efficiency, while liquidity factors and non-performing financing risks do not show a significant effect. However, simultaneously, these three components collectively exert a significant influence on profitability. In conclusion, the ability to control internal operational expenses is far more decisive in determining the bank's profit generation than external financing dynamics over the past decade. This study contributes by providing strategic guidance for management to prioritize digital-based cost efficiency, as well as serving as an academic reference regarding the financial performance stability of Islamic banks during economic transitions.
The Effect of Green Banking on the Decision to Become an Islamic Bank Customer Citra Septiyani; Fetria Eka Yudiana
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.10591

Abstract

Climate change and increasing public concern for environmental sustainability have encouraged Islamic banking institutions to adopt green banking principles as part of their environmental and social responsibility. Within the Islamic banking context, green banking reflects not only sustainability commitments but also the integration of Islamic ethical values and social welfare. This study examines the effects of green brand image, environmental awareness, and value congruence on customers’ decisions to become clients of Bank Syariah Indonesia (BSI). A quantitative approach was employed with a sample of 170 Generation Z and millennial BSI customers in Indonesia. Data were collected through questionnaires and analyzed using multiple linear regression. The findings reveal that green brand image, environmental awareness, and value congruence have positive and significant effects on customer decisions, both partially and simultaneously. These results strengthen the theoretical understanding of green banking adoption in Islamic banking by highlighting the role of sustainability-oriented branding, environmental values, and value alignment in shaping customer decisions. The study implies that Islamic banks need to reinforce sustainability strategies while integrating Sharia values to enhance customer preference and competitiveness.
Pengaruh Pembiayaan Istishna dan Qardh terhadap Net Profit Margin Bank Desty Puspitasari; Irma Yulita Silviany; Nanik Eprianti
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.10011

Abstract

Abstrak. Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan Istishna dan Qardh terhadap Net Profit Margin (NPM) Bank BJB Syariah periode 2016–2024. Penelitian menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan triwulanan Bank BJB Syariah sebanyak 36 observasi. Metode analisis yang digunakan adalah regresi linear berganda dengan uji asumsi klasik. Hasil penelitian menunjukkan bahwa secara simultan pembiayaan Istishna dan Qardh berpengaruh signifikan terhadap NPM Hal ini dibuktikan pada uji f diperoleh nilai f-hitung sebesar 4.321552 yang lebih besar dari F-tabel sebesar 3.32, serta nilai probabilitas sebesar 0.021529 < 0.05. sehingga menerima Ha dan menolak Ho. Secara parsial, pembiayaan Istishna dan Qardh berpengaruh negatif dan signifikan terhadap NPM pada nilai t-hitung untuk pembiayaan Istishna (X1) sebesar -2.348133 dengan t-tabel sebesar 2.042 pada tingkat signifikansi 5% (α = 0.05), serta nilai signifikansi 0.0250 < 0.05 sedangkan pada pembiayaan Qardh ditemukan nilai t-hitung sebesar -2.914390, t-tabel sebesar 2.042, dan nilai signifikansi 0.0064 < 0.05. Temuan ini menunjukkan bahwa pembiayaan berbasis proyek dan sosial perlu dikelola secara selektif dan proporsional agar tidak menekan profitabilitas bank syariah.Abstract. This study aims to analyze the effect of Istishna and Qardh financing on the Net Profit Margin (NPM) of Bank BJB Syariah during the period 2016–2024. The research employs a quantitative approach using secondary data in the form of quarterly financial statements of Bank BJB Syariah, comprising 36 observations. The analytical method used is multiple linear regression with classical assumption tests. The results show that simultaneously, Istishna and Qardh financing have a significant effect on NPM. This is evidenced by the F-test results, where the calculated F-value of 4.321552 is greater than the F-table value of 3.32, and the probability value of 0.021529 < 0.05, thus accepting Ha and rejecting Ho. Partially, Istishna and Qardh financing have a negative and significant effect on NPM. The t-test results indicate that Istishna financing (X1) has a t-value of -2.348133 with a t-table value of 2.042 at a 5% significance level (α = 0.05), and a significance value of 0.0250 < 0.05. Meanwhile, Qardh financing shows a t-value of -2.914390, a t-table value of 2.042, and a significance value of 0.0064 < 0.05. These findings indicate that project-based and social financing need to be managed selectively and proportionally so as not to suppress the profitability of Islamic banks.

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