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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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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 24 Documents
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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.
PENGARUH TEKNOLOGI INFORMASI DAN KUALITAS SUMBER DAYA MANUSIA TERHADAP KINERJA BANK SYARIAH DI INDONESIA PERIODE 2018-2024 Nur Jamiel, Harun; Intan Prabandari, Anandhiya
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

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

Abstract

The rapid development of Islamic banking in Indonesia demands optimization of performance, including operational efficiency and profitability, to maintain competitiveness. This study examines how information technology and human resource quality influence the efficiency and profitability of Islamic banks in Indonesia during the period 2018-2024. Research data is derived from published financial reports of Islamic banks in Indonesia. Regression analysis is used to examine the relationship between variables, considering bank size and economic growth factors. The results show that information technology significantly contributes to improved operational efficiency and profitability. Technology implementation enables process automation, increased data accuracy, and expanded service reach. Quality human resources, indicated by education and training levels, also have a positive influence. Competent employees are able to optimize technology and provide excellent service to customers. These findings emphasize the importance of continuous investment in information technology and human resource development for Islamic banks. This strategy is crucial to increase operational efficiency and profitability, as well as strengthen competitiveness in the Islamic banking industry.
PENGARUH LITERASI KEUANGAN SYARIAH, PENGALAMAN KEUANGAN, DAN ETIKA KONSUMSI TERHADAP PERILAKU KEUANGAN PEDAGANG PASAR TRADISIONAL Mutakin, Kikin; Jaelani, Ihrom; Acim, Acim
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

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

Abstract

This study aims to analyze the influence of Islamic financial literacy, Islamic financial experience, and self-control on Islamic financial behavior in traditional market traders. The background of this study is the challenges faced by traditional business actors amidst the rapid digitalization of the economy and the low level of Islamic financial literacy and inclusion in Indonesia. With a quantitative approach, this study uses a multiple linear regression method on 50 market trader respondents selected purposively. The results of the analysis show that simultaneously, the three independent variables do not have a significant effect on Islamic financial behavior (sig. F value > 0.05). Likewise, partially, Islamic financial literacy, Islamic financial experience, and self-control do not have a significant effect on Islamic financial behavior. This indicates that there are other factors outside the model that may be more dominant in shaping Islamic financial behavior, such as religious understanding, local cultural values, or the influence of the social environment. This study recommends the need for a deeper educational and spiritual approach and community-based economic assistance programs to strengthen Islamic financial practices at the micro level
PENGARUH NEGOSIASI TINGKAT MARGIN TERHADAP KEPUTUSAN NASABAH MENGGUNAKAN PRODUK MURABAHAH DI BMT MIFTAHUSSALAM CIAMIS Saepudin, Asep; Jaelani, Ihrom
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

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

Abstract

This study aims to determine the effect of negotiating the margin rate on customer decisions using murabahah products. The population in this study were 131 Murabahah customers at BMT Miftahussalam Ciamis, sampling using the Slovin formula with random sampling techniques. The sample used was 99 respondents. The data collection instrument used a questionnaire of 20 statement items with a Likert scale of 1-5 and tested for validity and reliability. Data analysis using simple linear regression with the help of SPSS V.25. Based on simple linear regression analysis at a significance level of 5%, the results of the partial test (t test) show that the calculated t value of 2.400 shows that it is greater than the t table (2.400> 1.984) and a significance value of 0.018 <0.05 so it can be concluded that H0 is rejected and Ha is accepted, which means that the negotiation of the margin rate has a positive and significant effect on the Customer's Decision to use Murabahah Products at BMT Miftahussalam Ciamis.
PERAN PEMBELAJARAN MANAJEMEN INFORMASI DALAM MENINGKATKAN KOMPETENSI MAHASISWA PERBANKAN SYARIAH: TINJAUAN DARI PERSPEKTIF PENGAJARAN Acim, Acim; Komariah, Popong; Mulyadi, Dodi
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v2i1.161

Abstract

This research aims to explore the role of information management learning in enhancing student competency in the Sharia Banking Study Program at STAI Putra Galuh Ciamis. As the sharia banking industry increasingly demands skills in information management and utilization, information management learning becomes a crucial aspect in equipping students with relevant competencies. This study employs a quantitative approach using a survey method involving students and lecturers at STAI Putra Galuh Ciamis. The results show that information management learning plays a significant role in improving students' skills in data management, information analysis, and the application of technology in accordance with sharia principles. Furthermore, teaching methods that integrate case studies and direct practical application are able to strengthen students' understanding in processing information that supports sharia banking operational activities. The implications of these findings highlight the importance of strengthening the curriculum to include information management to produce competent graduates ready to compete in the sharia finance industry
PENGARUH ETOS KERJA DAN KOMPENSASI TERHADAP KINERJA PEGAWAI PADA BAZNAS KABUPATEN TASIKMALAYA Mulyadi, Dodi; Budianto, Apri; Darna, Nana
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v2i1.162

Abstract

Baznas Kabupaten Tasikmalaya berperan penting dalam meningkatkan kesejahteraan masyarakat melalui pengelolaan zakat. Namun, capaian Sasaran Kinerja Pegawai (SKP) masih rendah, khususnya di tingkat Unit Pengumpul Zakat (UPZ) Kecamatan dan Desa. Indikasi masalahnya meliputi etos kerja yang rendah, kurangnya inovasi dalam program pengumpulan zakat, dan kurangnya tanggung jawab pengelolaan dana. Selain itu, masalah kompensasi juga teridentifikasi, seperti sistem penggajian yang belum transparan dan kurangnya insentif bagi pegawai berprestasi. Penelitian kuantitatif ini menggunakan metode survei dan analisis deskriptif untuk mengkaji pengaruh etos kerja dan kompensasi terhadap kinerja pegawai. Teknik analisis data yang digunakan meliputi koefisien korelasi, koefisien determinasi, uji t, regresi linier ganda, koefisien korelasi ganda, dan uji F. Hasil penelitian menunjukkan bahwa etos kerja dan kompensasi di Baznas Kabupaten Tasikmalaya tergolong sangat tinggi dan sangat sesuai. Kinerja pegawai juga termasuk kategori sangat tinggi. Kesimpulannya, etos kerja dan kompensasi memiliki pengaruh positif dan signifikan, baik secara parsial maupun simultan, terhadap kinerja pegawai Baznas Kabupaten Tasikmalaya
KOMPETENSI DAN MOTIVASI KERJA SEBAGAI PREDIKTOR KINERJA PEGAWAI LEMBAGA KURSUS DAN PELATIHAN KABUPATEN CIAMIS Acim, Acim; Budianto, Apri; Darna, Nana
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v2i1.163

Abstract

Penelitian ini mengkaji pengaruh kompetensi dan motivasi kerja terhadap kinerja pegawai di Lembaga Kursus dan Pelatihan (LKP) Kabupaten Ciamis, mengingat peran krusial LKP dalam peningkatan kualitas SDM. Urgensi penelitian ini muncul dari disparitas antara standar kompetensi yang diharapkan dengan kemampuan aktual, serta tantangan rendahnya motivasi kerja, yang berdampak pada kualitas lulusan LKP. Penelitian kuantitatif ini menggunakan metode survei deskriptif untuk menggambarkan fenomena yang terjadi. Teknik analisis data yang diterapkan meliputi koefisien korelasi, koefisien determinasi, uji-t, regresi linier ganda, koefisien korelasi ganda, dan uji-F. Hasil penelitian menunjukkan bahwa kompetensi, motivasi kerja, dan kinerja tenaga pendidik serta kependidikan di LKP Kabupaten Ciamis seluruhnya berada pada kategori sangat tinggi. Secara spesifik, temuan menunjukkan bahwa (1) kompetensi berpengaruh positif dan signifikan terhadap kinerja, (2) motivasi kerja juga berpengaruh positif dan signifikan terhadap kinerja, dan (3) kompetensi dan motivasi kerja secara simultan berpengaruh signifikan terhadap kinerja pegawai. Implikasi penelitian ini menekankan pentingnya mempertahankan dan meningkatkan kompetensi serta motivasi untuk mengoptimalkan kontribusi LKP di Kabupaten Ciamis
PENGARUH EARNING PER SHARE DAN VOLUME PERDAGANGAN SAHAM TERHADAP RETURN SAHAM Jaelani, Ihrom; Feriansah, Rival; Saputra, Adi
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 2 (2025): Desember 2025
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v2i2.223

Abstract

This study aims to analyze the effect of earnings per share (EPS) and trading volume on stock returns of Islamic banks listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. The study employed a quantitative approach with descriptive and verification methods. The sample was determined using a purposive sampling technique with BRIS, BTPS, PNBS, and ARTO stocks as the research objects. The data used were secondary data obtained from financial reports and IDX stock market data. Data analysis techniques included multiple linear regression analysis, t-test, F-test, correlation coefficient, and coefficient of determination. The results showed that EPS and trading volume, both partially and simultaneously, had a positive and significant effect on stock returns of Islamic banks.
PENGARUH PENGUNGKAPAN GREEN BANKING DAN ISLAMIC SOCIAL REPORTING TERHADAP NILAI PERUSAHAAN BANK SYARIAH Khoer, Misbahul; Nur Hidayatullah, Atep; Algistiana, Algistiana
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 2 (2025): Desember 2025
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v2i2.224

Abstract

This study examines the influence of Green Banking and Islamic Social Reporting (ISR) Disclosure on Firm Value in Islamic Banks listed on the Indonesia Stock Exchange (IDX). The urgency of this research arises from regulatory obligations (POJK 51/2017) regarding sustainable finance, as well as the inconsistency in the quality of Green Banking and ISR disclosures among Islamic banks, which have the potential to influence investor perceptions and Firm Value in the capital market. This study uses a quantitative approach with a descriptive survey method. Data analysis techniques applied include classical assumption tests, correlation coefficients, determination coefficients, t-tests, multiple linear regressions, and F-tests. The research population is all Islamic Banks listed on the IDX, with samples selected using purposive sampling techniques. The results of the study indicate that: (1) Green Banking Disclosure has a positive and significant effect on Firm Value. (2) Islamic Social Reporting Disclosure also has a positive and significant effect on Firm Value, even with a more dominant contribution. (3) Green Banking and Islamic Social Reporting Disclosure simultaneously (together) have a significant effect on Firm Value. The implications of this research emphasize that the integration of environmental commitment (Green Banking) and Islamic Social Reporting (ISR) is a crucial factor for Islamic Banks to build market trust and optimize Company Value.

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