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Jurnal Maps (Manajemen Perbankan Syariah)
Published by Universitas Masoem
ISSN : 25973665     EISSN : 26852837     DOI : 10.32627
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education Other
Jurnal Maps (Manajemen Perbankan Syariah) is a scholarly journal published by the Islamic Banking Study Program, Masoem University Bandung. This journal is a forum for publication of scientific works in the form of writings by academics, researchers and practitioners on pure and applied research in the fields of Management, Islamic Banking, Islamic Accounting and Islamic Economics. Maps are published twice a year, namely in March and September. This journal has been accredited by SINTA 5. In 2021, Jurnal Maps (Manajemen Perbankan Syariah) will be merged and recorded in the Masoem University journal. In addition, the DOI prefix of STIBANKS Al Masoem, which was originally 10.32483, became 10.32627 and then the DOI is affiliation was changed to become Masoem University. The journal at STIBANKS Al Masoem has changed its form to a journal at Masoem University.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 133 Documents
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Pengaruh Proses Produksi dan Pengendalian Mutu terhadap Kualitas Produk Kain Brukat Aprilianti, Puspa; Djachrab, Ida Rapida
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 1 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i1.1656

Abstract

Based on the results of observations and interviews, the background of this research is the fluctuation of production targets, actual production not meeting the targets, and defective products exceeding 3%. It is suspected that this is related to the production process and quality control not functioning properly. The research object is the embroidery department employees at PT Wiratama Prima Textile Indo Rancaekek. The type of research is associative quantitative. The primary data is in the form of questionnaires, while supporting data are collected through observation, interviews, and literature study. The population consists of all production employees in the embroidery section at PT Wiratama Prima Textile Indo Rancaekek, totaling 54 people. Based on Slovin's formula, a sample of 47 people was obtained. Respondents were determined using accidental sampling. Data testing was conducted using statistics, where previously the data were tested through validity, reliability, and normality tests. Subsequently, determination analysis, multiple correlation, and multiple regression were conducted. The results of the study showed that the reliability test results indicated that all research instruments were declared reliable, with a Cronbach’s Alpha value of 0.718 for the production process variable (X1) and 0.719 for quality control (X2), which means they fall into the high category. Partially, the production process affects 40.5% of product quality. Quality control affects 26.7% of product quality. Simultaneously, the production process and quality control affect 43.9% of product quality. The correlation coefficient (R) value of 0.662 indicates that there is a strong relationship between the two independent variables and the dependent variable.
Islamic Financial Inclusion and Regional Economic Resilience : Evidence Quantile Regression FMOLS on Productivity, Poverty, Unemployment Wirdyansyah, Danial Muhammad Wirdyansyah; Nuruddin, Aulia Fadila Nuruddin; Aprillia, Bunga Aprillia; Hartati, Neneng Hartati; Widiawati, Widiawati Widiawati
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

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

Abstract

This study investigates the impact of Islamic Financial Inclusion Index (IFII) on regional economic resilience in Indonesia by analyzing productivity in the manufacturing sector, poverty levels, and employment rates across 33 provinces from 2014 to 2024. Using panel Quantile Regression and Fully Modified Ordinary Least Squares (FMOLS), the research examines how IFII and its interaction with education (measured by average years of schooling) influence these three development outcomes across different quantiles of financial inclusion. Provinces were grouped into five quantiles based on their IFII scores, allowing the analysis to capture heterogeneous effects across varying levels of Islamic financial access. The results reveal that IFII positively affects manufacturing output in provinces with lower financial inclusion but has a diminishing or negative effect at higher IFII quantiles. Conversely, IFII consistently reduces poverty across all financial inclusion levels, with the strongest effect in provinces with the lowest IFII. Its effect on employment appears significant only in higher inclusion quantiles, indicating that stronger financial ecosystems are more effective in supporting labor absorption. The interaction between IFII and education shows a complex pattern: it enhances industrial productivity and reduces unemployment at upper IFII quantiles but is associated with higher poverty at lower quantiles, potentially reflecting structural mismatches between education quality and financial access. FMOLS results confirm the long-run relationships between variables and reinforce the quantile-specific insights. The study emphasizes the importance of tailoring policy responses to local financial inclusion contexts to strengthen resilience, particularly by integrating financial access with education strategies in regions lagging behind.
Comparative Financial Performance Of Sharia Business Units Of Regional Development Banks In Java Island Based On The Islamicity Performance Index Rohman, Muhammad Aris Taufiqur Rohman; Lu'lu'il Maknuun, Lu'lu'il Maknuun
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1799

Abstract

While Islamic Regional Development Banks (RDBs) in Indonesia showed significant asset growth reaching IDR 73.5 trillion in 2022, performance across individual units remains uneven, necessitating a deeper evaluation beyond conventional metrics. This study aims to evaluate and compare the financial performance of Sharia Business Units (SBUs) of RDBs across Java Island during the 2019–2023 period using the Islamicity Performance Index (IPI). A quantitative comparative method was employed, focusing on four purposive samples: SBU RDB JATIM, JATENG, DIY, and DKI, using secondary data from annual financial statements. The performance was measured through four key IPI indicators: Profit Sharing Ratio (PSR), Zakat Performance Ratio (ZPR), Equitable Distribution Ratio (EDR), and Islamic Income vs. Non-Islamic Income (IInc vs. NIInc). The results reveal that while all SBUs achieved a perfect score of 100% in the IInc vs. NIInc indicator, significant challenges persist in other areas, as PSR, ZPR, and EDR scores mostly fell below the "Satisfactory" category. This reflects a continued reliance on margin-based contracts and suboptimal internal zakat management. Comparatively, SBU RDB DKI achieved the highest average IPI score of 2.26, ranking first among its peers. In conclusion, while these institutions demonstrate strong sharia compliance in income purity, there is an urgent need to strengthen profit-sharing schemes and social contributions. These findings suggest that RDBs must realign their operational focus with their regional development mandates and core sharia principles of social justice to achieve balanced institutional performance.
Digital Transformation in Islamic Banking: A Literature Study on Fintech Innovation, Open Banking, and Sharia Compliance in the Industrial Era 5.0 Saefuloh, Irfan Saefuloh; Ismiyanti, Nina Ismiyanti; Rusdiani, Meri Rusdiani; Saefuddin, Aep Saefuddin
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

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Abstract

Digital transformation in banking sharia is inevitability in the Industry 5.0 era, when collaboration humans and technology must still in harmony with efficiency operational, innovation, and compliance to principle Sharia. Research This aim examine literature scientific related integration digitalization in banking sharia, with focus on fintech innovation, open banking implementation, and compliance regulations sharia in Indonesia. The method used is studies literature qualitative with analysis content to publication national and international 2018–2025 period. Study results show that digital innovations such as sharia mobile banking application, halal digital wallet, and integration fintech solutions are capable increase efficiency, expanding inclusion finance, as well as strengthen Power competition banking sharia at the global level. However, a number of challenge Still appear, especially related human resource readiness, regulations digital contract based sharia, and the need for sharia audits that are supported technology. The implementation of open banking requires collaboration strong between regulators, institutions finance, and fintech players to ensure equality, transparency, and protection aligned consumers with principle maq??id al- shar?'ah. Study This conclude that success digital transformation of banking sharia depends on integration harmonious between innovation technology, spiritual values, and governance adaptive sharia. This study also provides contribution theoretical about the concept of sharia digital governance as well as recommendation practical for regulators and industry banking use build ecosystem finance inclusive, ethical, and sustainable sharia in the digital era.
DER, Operating Leverage, and Financial Stability in Indonesian Banks (2020–2024) : A Correlation Analysis rio, rio
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1809

Abstract

Banking financial stability is a multidimensional issue that underpins the resilience of Indonesia’s financial system, particularly in a dual-banking landscape where Islamic and conventional banks are exposed to similar macro-financial shocks but may exhibit distinct risk dynamics shaped by Shariah-compliant intermediation, contract structures, and depositors’ return expectations. This study aims to examine the relationship between the Debt-to-Equity Ratio (DER), Operating Leverage (OL), and banking financial stability, measured using the Stability of the Financial System ratio (SRFS) in Indonesia. A quantitative approach is applied using Spearman’s rank correlation, as one variable (OL) fails to satisfy normality based on the Shapiro–Wilk test. Secondary data are obtained from annual reports and official statistics published by Bank Indonesia for the 2020–2024 period. Descriptive results indicate mean values of 99.48 for DER, 1.392 for OL, and 0.134 for SRFS, with fluctuations reflecting notable financial dynamics over the observation period. The findings suggest that DER tends to increase, potentially elevating financial risk, while the relatively stable OL indicates consistent operational efficiency. However, variations in SRFS point to the banking system’s vulnerability to external pressures. This study offers implications for regulators and industry stakeholders in designing risk-mitigation policies, strengthening capitalization, and enhancing resilience supervision to support the stability of the national banking sector, including the advancement of financial stability research in Islamic banking in Indonesia.
Determinants of Profitability in Islamic Banks Listed on the Indonesia Stock Exchange Nuha, Iza Fardan; Firmansyah, Irfan; Sobana, Dadang Husen
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1848

Abstract

The profitability performance of Islamic banks listed on the Indonesia Stock Exchange (IDX) remains a critical issue, particularly regarding how capital strength, financing quality, and operational efficiency shape Return on Assets (ROA). This study aims to analyze the factors that influence the profitability of Islamic banks listed on the Indonesia Stock Exchange (IDX), measured by the Return on Assets (ROA) indicator. The main issue examined is the extent to which the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Operational Costs to Operating Income (BOPO) affect the profitability performance of listed Islamic banks. The research employs a quantitative approach using secondary data from the annual financial reports of four Islamic commercial banks listed on the IDX for the 2015–2024 period, which are processed into panel data. Samples are selected using purposive sampling, and data are analyzed using panel data regression with a fixed effect model determined through the Chow and Hausman tests. The results indicate that CAR has a positive and significant effect on ROA, while NPF and BOPO have a negative and significant effect on ROA. Simultaneously, CAR, NPF, and BOPO significantly influence profitability, with the coefficient of determination showing a very strong explanatory power of the model.
Legal Protection of Consumers in Online Buying and Selling Transaction on Sharia E-Commerce Nasution, Ade Iskandar; Muklas, Oyo Sunaryo; Burhanuddin, Burhanuddin
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1861

Abstract

The development of digital technology has brought significant changes to buying and selling patterns, especially with the emergence of sharia e-commerce in Indonesia. Muslim communities are now increasingly choosing e-commerce platforms that offer guarantees for transactions in accordance with sharia principles. However, the growth of sharia e-commerce is also accompanied by challenges and risks, particularly regarding consumer legal protection. Various issues such as fraud, products not matching descriptions, misuse of personal data, and unclear contract terms frequently occur in online transactions. This study aims to analyze the forms of legal protection for consumers in online buying and selling transactions on sharia e-commerce platforms, from both the perspective of national positive law and Islamic legal (sharia) principles. The research adopts a qualitative method with a library research approach, reviewing documents, literature, relevant legislation, and sharia fatwas. The findings indicate that consumer protection in sharia-based online transactions must integrate the principles of justice, honesty, and transparency as contained in the Qur’an and Hadith, and as regulated by the Consumer Protection Act and Electronic Information and Transactions Act (ITE Law). Consumer education, sharia supervisory institutions, and sharia-based dispute resolution mechanisms are key to achieving optimal legal protection. Therefore, integrating national law and sharia principles is crucial to ensure consumer rights and security in Indonesia’s sharia e-commerce ecosystem.
Zakat Service Quality, Literacy, and Legal Awareness : Effects on Payment Decisions and Welfare in Jawa Barat Nurkamali, Ahmad; Ruhliandini, Putri Zafira; Hakim, Abdul; Syalsabila, Jelita
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1891

Abstract

The potential for zakat in Jawa Barat in 2024 is Rp 26.6 trillion, which is a very large potential. However, the collection of zakat funds managed by zakat administrators under the BAZNAS regulator in the same year was only able to collect zakat, infaq, and sadaqah amounting to 1.9 trillion rupiah, or 7.1 percent of the existing zakat potential. Based on several pieces of literature, factors influencing the low decision-making of zakat payers are the low quality of amilin services, lack of zakatt literacy,and muzakkis legal awareness, which is still not optimal. The decisions of the zakat payer (muzakki) to pay zakat greatly influences the well-being of the recipients (mustahiq). This study aims to determine the influence of amilin service quality, zakat literacy, and legal awareness on muzakki's decision to pay zakat and the welfare of mustahiq. This research method uses a quantitative research type. The research subjects are zakaat payer (muzakki) and zakatrecipient (mustahiq) from the-Muslim community at BAZNAS city and district offices in Jawa Barat. The type of datta used is primary data, with data collection technique using questionaire distributed,to 100 respondentts in six cities in Jawa Barat. The data analysiss techniq uses the SEM-PLS method. The conclusion of this study successfully prove that the service quallity variable of amilin has a significant posittive effects on the variable of muzakkis decision to pay zakat.  It was proven that the variables of zakat, literacy and legal awareness have a significant positive influences onthe variable-of muzakki's decision to pay zakat.  For the decision variables of the zakat payer (muzakki) paying zakat, it is proven to have a significantly positive effect on the welfare variable. The services qualitty variabel 'amilin'  has a positiive but insignificant effect on welfare. Thevariable of zakat literacy was proven to have a neghative and insingificant effects on the variable of welfare. The variable of legal awareness has been proven to have a positive and significants effects on the variable of well-being.
The Effect of Green Banking and Financial Performance on The Firm Value in Banks Listed on the Indonesian Stock Exchange Prastiwi, Pungki; Muharrami, Rais Sani
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1897

Abstract

This study investigates the impact of green banking and financial performance on firm value within the banking sector listed on the Indonesian Stock Exchange throughout the 2021-2024 period. A research design based on quantitative methods was employed secondary data obtained through banks' annual and sustainability reports. The empirical analysis was performed using panel data regression with the support of Eviews software. The findings reveal of green banking does not have a statistically significant impact on firm value, suggesting that the disclosure of green banking initiative continues to be perceived as regulatory compliance and has not yet become a key consideration for investors. In contrast, profitability (ROE) and revenue growth have a positive and significant impact on firm value, confirming that investors place greater emphasis on measurable financial performance when assessing banking firms. The evidence imply that green banking have not yet contributed directly enhance firm value due to its regulatory compliance nature, thus requiring more substantive implementation. At the same time, investors continue to prioritize financial performance in firm valuation.
Analysis of Customer Relationship Management in The Business to Business Segment at The Titan Division of PT. Novell Pharmaceutical Laboratories Suherman, Jajang; Shidiq, Rasyid Shidiq; Adung, A. Supriadi Adung
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1909

Abstract

PT. Novell Pharmaceutical Laboratories is one of the national pharmaceutical companies that produces various types of medicines. To support its presence in the market, the company has several distribution branches, one of which is the Titan Division. In carrying out its duties, the Titan Division interacts directly with various professional parties in the health sector through a B2B approach, namely with hospitals. The presence of Customer Relationship Management (CRM) in the Titan Division becomes an important instrument in efforts to build more personal relationships and ensure product information can be conveyed accurately. The problem that occurred in the Titan Division is the lack of transparency in the reporting of prescription creation made by doctors, such as a scenario where a doctor has already made a prescription for a certain product, but the report that comes in is instead redirected to another user. Therefore, there is a need for neat digital record-keeping. The purpose of this research is to provide an overview of the strategies and impacts of CRM implementation on companies and related institutions. The research methods used in this study consist of several steps, namely a literature review, conducted by searching for supporting literature that can provide adequate information to complete this research and help reinforce existing theories. The implementation of CRM in the Titan Division provides tangible benefits, not only serving as an administrative tool but also in building closer relationships with business partners in the healthcare sector. From the research results, it can be concluded that CRM plays a significant role in increasing sales, strengthening partner trust, and creating loyal customers, thus becoming a long-term asset for the company.

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