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Ihrom Jaelani
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jurnalkhitabah@gmail.com
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+6282118314303
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ihromjaelani@putragaluh.ac.id
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Jalan Raya Ciamis Banjar No. 141 KM.3 Bojong Sari, Dewasari, Cijeungjing, Ciamis, Jawa Barat
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INDONESIA
KHITABAH: Khazanah Penelitian Perbankan Syariah
Published by Sekolah Tinggi Ilmu Agama Islam Putra Galuh
ISSN : -     EISSN : 30482232     DOI : https://doi.org/10.61580/khitabah
Core Subject : Economy,
Economics, Econometrics & Finance
KHITABAH: Khazanah Penelitian Perbankan Syariah diterbitkan dalam bentuk online, diterbitkan oleh Program Studi Perbankan Syariah Sekolah Tinggi Ilmu Agama Islam Putra Galuh Ciamis . KHITABAH: Khazanah Penelitian Perbankan Syariah memuat hasil penelitian lapangan dan penelitian kepustakaan (systematic literature review "SLR" atau bibliometrik) tentang perbankan dan perbankan syariah. JPS berfungsi sebagai wadah bagi para akademisi, ilmuwan, peneliti, praktisi dan industri untuk saling berbagi pandangan mengenai perbankan dan perbankan syariah yang dituangkan dalam bentuk karya tulis ilmiah. Fokus utama KHITABAH: Khazanah Penelitian Perbankan Syariah adalah Perbankan Syariah, Perbankan, Lembaga Keuangan Non Bank, Sistem Informasi Bank Syariah, Akuntansi Bank Syariah, Audit Bank Syariah, Manajemen Bank Syariah, Manajemen Risiko Perbankan Syariah, Manajemen Pemasaran Perbankan Syariah, Perancangan Hukum Bank Syariah, Manajemen Likuiditas Bank Syariah, Analisis Laporan Keuangan Bank Syariah, Etika Perbankan Syariah.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol 1 No 2 (2024): Desember" : 6 Documents clear
PENGARUH BRAND IMAGE TERHADAP MINAT MENABUNG MAHASISWA DI BANK SYARIAH Saripatul Munawaroh, Salma; Jaelani, Ihrom; Khoer, Misbahul
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.70

Abstract

This research is motivated by field data indicating that in Indonesia, the majority of the population tends to save in conventional banks rather than in Islamic banks. This suggests a relatively low interest in saving among Indonesians in Islamic banks. The study aims to investigate the influence of brand image on students' interest in saving at Islamic banks. The research methodology employed is quantitative with a survey method. The population consists of 260 respondents, and the sample includes 158 students from STAI Putra Galuh Ciamis. Sampling was conducted using random sampling techniques based on the Slovin formula. Data were collected using a questionnaire comprising 22 items. Data analysis involved simple linear regression using SPSS version 25 software. Students' perceptions of the brand image of Islamic banks were positive, with an average score of 3.935, indicating a high rating. Students' interest in saving at Islamic banks stemmed from perceived benefits, needs, and the variety of Sharia-compliant products offered. The brand image variable showed a t-value of 10.996, which is greater than the critical t-value of 1.975, with a significance level of 0.000 < 0.05. Therefore, the null hypothesis (H0) was rejected, and the alternative hypothesis (Ha) was accepted, indicating that the brand image variable (X) significantly influences students' interest in saving (Y). The research findings indicate that brand image accounts for 43.7% of the variance in students' interest in saving at Islamic banks.
FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN UMKM MEMILIH PEMBIAYAAN DI BANK SYARIAH Sutarjo, Tatang; Karsono, Karsono
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.73

Abstract

The decision of Micro, Small, and Medium Enterprises (MSMEs) to choose financing in Islamic banks is influenced by various factors that affect business sustainability and growth. This study aims to analyze the factors affecting MSMEs' decisions in selecting financing in Islamic banks in Ciamis Regency. The research involved 100 MSME owners selected using purposive sampling techniques based on business type, duration, and experience with Islamic financing. A quantitative approach was applied, with structured questionnaires as the data collection instrument. Data analysis was conducted using multiple regression methods to examine the influence of variables such as religiosity, understanding of Islamic principles, banking services, and profit-sharing rates on financing decisions. The results show that religiosity and understanding of Islamic principles significantly impact MSME decisions, while banking services and profit-sharing rates also play relevant roles. The study concludes that increasing public understanding of Islamic banking products and principles can enhance Islamic banks' attractiveness to MSMEs. This research provides practical implications for Islamic banks to improve their services and education efforts toward potential MSME customers.
ANALISIS KEBIJAKAN HEDGING DALAM MENGELOLA RISIKO PEMBIAYAAN PADA BANK SYARIAH DI INDONESIA khitabah, jurnal; Acim, Acim
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.78

Abstract

This study aims to analyze the hedging policy in managing financing risks in Islamic banks in Indonesia. Given the crucial role of Islamic banks in the economy, efficient financing risk management is key to maintaining financial stability. The hedging policy implemented by Islamic banks can help mitigate risks arising from market fluctuations, credit risks, and operational risks. This research uses a quantitative approach with regression analysis to measure the impact of hedging instruments on non-performing financing (NPF) in Indonesian Islamic banks. The data includes annual reports from several Islamic banks registered with the Financial Services Authority (OJK) from 2018-2022. The results show that the hedging policy significantly reduces NPF. Hedging instruments such as wa'ad, tawarruq, and kafala were found to be effective in reducing market risk exposure and improving the quality of financing. However, the findings also reveal that smaller Islamic banks tend to face challenges in implementing complex hedging policies due to cost constraints and limited knowledge. This study recommends that smaller Islamic banks be provided with training and support to implement hedging policies more effectively, as well as the importance of developing simpler and more affordable hedging instruments
KEPUTUSAN INVESTASI DAN PENDANAAN SERTA PENGARUHNYA TERHADAP NILAI PERUSAHAAN DI BEI khitabah, jurnal
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.79

Abstract

This study examines the conditions of investment decisions, financing decisions, and firm value in manufacturing companies listed on the Indonesia Stock Exchange (IDX). Furthermore, it investigates the influence of investment and financing decisions on firm value, both partially and simultaneously, in this sector. The research adopts a quantitative approach using a descriptive associative method. The findings reveal that investment decisions (CPA/BVA) and financing decisions (DER) significantly affect firm value (PBV) in the manufacturing sub-sector companies.
STRATEGI BANK SYARIAH DALAM MENGHADAPI INFLASI: PENGARUH NISBAH BAGI HASIL TERHADAP DANA PIHAK KETIGA khitabah, jurnal; Mutakin, Kikin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.80

Abstract

This study aims to analyze the strategies implemented by PT. Bank BTPN Syariah Tbk in addressing inflationary pressures and to evaluate the impact of the profit-sharing ratio on the accumulation of third-party funds (TPF). Inflation is often a significant challenge for the banking sector, particularly for Islamic banks that operate on a profit-sharing basis. This research employs a quantitative method with a regression analysis approach to examine the relationship between inflation, profit-sharing ratios, and TPF. The data used includes secondary data from financial reports and macroeconomic statistics over a specific period. The findings indicate that inflation has a significant relationship with TPF, where the profit-sharing ratio plays a critical role in maintaining stability and enhancing customer trust. Strategies such as adjusting profit-sharing ratios and innovating Sharia-compliant products have proven effective in mitigating the effects of inflation. This research is expected to contribute to the development of Islamic banking strategies to enhance competitiveness amid economic dynamics.
PENGARUH BAGI HASIL, RELIGIUSITAS, RESIKO DAN PRODUK PADA MINAT NASABAH BANK MUAMALAT khitabah, jurnal; Mutakin, Kikin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.81

Abstract

The problems discussed in this research are 1) What is the influence of profit sharing on customer interest in choosing Muamalat Bank in Ciamis Regency. 2) How does religiosity influence customer interest in choosing Muamalat Bank in Ciamis Regency. 3) How does risk influence customer interest in choosing Muamalat Bank in Ciamis Regency? 4) How does the product influence customer interest in choosing Muamalat Bank in Ciamis Regency? The research method used in this research is survey research. Quantitative research methods are a type of research whose specifications are systematic, planned and clearly structured from the start until the creation of the research design. The research results show that Bank Muamalat Indonesia in Ciamis shows very good performance in various aspects, including profit sharing, religiosity, risk and products. However, several areas need to be improved, such as clarity of production sharing agreements, ensuring documents are prepared in simple and easy to understand language, and strengthening team collaborations.

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