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Muhammad Helmy Reza
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Jalan Gajah Mada Nomor 100, Kelurahan Jempong Baru, Kecamatan Sekarbela, Kota Mataram, Provinsi Nusa Tenggara Barat
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INDONESIA
Jurnal Perbankan Syariah
Published by Universitas Islam Negeri Mataram
ISSN : -     EISSN : 29622425     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Perbankan Syariah (JPS) merupakan jurnal yang diterbitkan oleh Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Mataram. Terbit dalam 2 periode tiap tahunnya, pada bulan Juni dan Desember. JPS berfungsi sebagai wadah bagi akademisi, ilmuwan, peneliti, praktisi, dan industri untuk berbagi pandangan tentang perbankan dan perbankan syariah, manajemen perbankan syariah, kinerja keuangan bank syariah, aspek-aspek produk dan jasa perbankan syariah, dan kajian-kajian keuangan lainnya yang dituangkan dalam karya tulis ilmiah. Jurnal Perbankan Syariah berfungsi sebagai wadah bagi akademisi, ilmuwan, peneliti, praktisi, dan industri untuk berbagi pandangan tentang perbankan dan perbankan syariah, manajemen perbankan syariah, kinerja keuangan bank syariah, aspek-aspek produk dan jasa perbankan syariah, dan kajian-kajian keuangan lainnya.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 41 Documents
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Pemberdayaan Masyarakat Melalui Peran BMT UGT Nusantara Dalam Melatih Manajemen Keuangan Terhadap Produk Tabungan Tampan (Tabungan Masa Depan) merna, mernawati; Muhammad Romli Muar
Jurnal Perbankan Syariah Vol. 3 No. 2 (2024): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v3i2.10625

Abstract

This activity aims to determine the quality of financial literacy in the Sumbermanjing Wetan area community regarding money management with future savings products (MAPAN) so that the increasingly diverse customer needs are also accompanied by intense competition, encouraging BMT UGT Nusantara Sumbermanjing Wetan branch to increase customer interest. Of course, using sharia principles with a mudharabah musyarakah agreement, where the hope is that the benefits obtained can help in the expected future. The methods used in this research are observation and documentation. In the sharia financial system and Baitul Malwadhamil BMT, the profit sharing model only applies to business participation or business collaboration agreements.
Dampak Simpanan dan Bonus Wadiah terhadap Net Imbalan pada Perbankan Syariah Indonesia (2018-2023) annisa, maulidya; Hestya Budianto, Eka Wahyu
Jurnal Perbankan Syariah Vol. 3 No. 2 (2024): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v3i2.10887

Abstract

This research serves to determine and examine how Wadiah Current Account Deposits, Wadiah Savings Deposits, and Wadiah Bonuses impact Net Income (NI). In addition, this study also looks at how firm size serves as a moderating variable in the relationship between the independent variables (Wadiah Current Account Deposits, Wadiah Savings Deposits, and Wadiah Bonus) and the dependent variable (Net Rewards).This study uses a quantitative approach by using secondary data from the annual reports of the banks under study.The number of five sample companies registered with OJK from 2018 to 2023 is a purposive sample. This study evaluates the relationship between independent and dependent variables through the use of panel data regression analysis and moderated regression analysis (MRA). The purpose of this study is to assess whether Wadiah Current Accounts, Wadiah Savings, and Wadiah Bonus affect Net Return (NI), and whether Company Size moderates the relationship between these independent variables.
The Influence of Price and Promotion on Customer Interest in Using Pawn Products at PT. Pegadaian UPC Kabar Kabupaten Lombok Timur Kulsum, Umi; Siti Ahdina Saadatirrohmi
Jurnal Perbankan Syariah Vol. 3 No. 2 (2024): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v3i2.11558

Abstract

This research aims to determine the effect of price and promotions on customer interest in using pawn products at PT. Pegadaian UPC Kabar in East Lombok District. There is a fact that the number of customers using pawn products is decreasing. This research uses quantitative research methods with data collection techniques using observation and questionnaires. The number of samples used in this research was 96 respondents from customers PT. Pegadaian UPC Kabar. The sampling technique used was purposive sampling. The data obtained was processed using SPSS 26 with data analysis techniques used, namely validity test, reliability test, classical assumption test, multiple linear analysis test, t test (partial), f test (simultaneous) and coefficient of determination test. The results of the research conducted show that price have no partial effect on customers' interest in using pawn products and promotions have a partial effect on customers' interest in using pawn products. Simultaneously, price and promotions influence customer interest in using pawn products at PT. Pegadaian UPC Kabar in East Lombok Regency with an influence level of 15.5% and 84.5% is influenced by factors other than price and promotions as seen from the R-Square test results.
PENGARUH LITERASI PASAR MODAL DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN BERINVESTASI MAHASISWA Fikri, Muhammad Khaerul; Ramadani, Lalu Ahmad; Reza, Muhammad Helmy; Gemilang, Sabrang Gilang
Jurnal Perbankan Syariah Vol. 3 No. 2 (2024): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v3i2.11592

Abstract

Capital market literacy is very important, because it makes it easier for students to make investment decisions. Risk perception is also a student factor in determining investment decisions, because the lower the risk, the higher it is in determining investment decisions and vice versa. The observation aims to determine the influence of capital market literacy and risk perception on students' investment decisions. This type of research is a quantitative approach. The data analysis method uses multiple linear regression analysis. The population and sample used were all members and administrators of the Mataram State Islamic University Capital Markets Study Group for 2022-2023, a total of 125 people using a saturated sampling technique. The research results show that capital market literacy influences investment decisions with the results of the hypothesis test (t test) (2,657 > 1,979) with a significance value (0.009 < 0.05). Risk perception influences investment decisions with the t test results (5,238 > 1,979) with a significance value (0.000 < 0.05). Meanwhile, capital market literacy and risk perception influence investment decisions simultaneously with the R2 test result (coefficient of determination) obtained at 0.263. This shows that investment decisions are influenced by Capital Market Literacy.
Pengaruh Dana Pihak Ketiga, Non Performing Financing, dan Kecukupan Modal Terhadap Profitabilitas Pada Bank Umum Syariah Tahun 2018-2021 Dicgy Diandra Aishya; Dewi Sartika Nasution; Riduan Mas'ud
Jurnal Perbankan Syariah Vol. 1 No. 1 (2022): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v1i1.5156

Abstract

The purpose of this study was to determine the effect of third party funds, non-performing financing and capital adequacy on profitability at Islamic commercial banks for the 2018-2021 period. The research method used is a quantitative correlation approach. the technique of collecting funds is by using a random sampling technique in the form of financial reports at the Financial Services Authority (OJK). data analysis technique with multiple linear regression with Eviews 10 analysis tool. Based on the estimated data, it is found that the Third Party Fund (DPK) variable has no significant effect on the profitability of Islamic commercial banks with a significance level of 0.7315 > 0.05, and the non-performing financing (NPF) variable has no significant effect on profitability with a significance level of 0, 3253 > 0.05. While the variable capital adequacy / Capital Adequacy Ratio has a significant effect on profitability with a significance level of 0.0117 <0.05.
Pengaruh Kualitas layanan, Prosedur pinjaman, dan Persepsi harga terhadap Keputusan Nasabah dengan Kepuasan Nasabah dalam melakukan Pembiayaan KUR Atiek Elyghasyah; Santi Yustini
Jurnal Perbankan Syariah Vol. 4 No. 1 (2025): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v4i1.12854

Abstract

This research aims to analyze and test, both directly and indirectly, the influence of service quality, loan procedures, and price perception on customer decisions, with customer satisfaction as a mediating factor, in obtaining people's business credit financing at Bank Syariah Indonesia KCP. Tangerang Selatan. This study uses primary and secondary data, where the data collection method employs questionnaires distributed to people's business credit financing customers from 2021-2023, totaling 693 customers. In this study, the sample with successfully processed data consists of 87 respondents. The sampling technique used in this research is non-probability sampling, with a purposive sampling method. Data is analyzed using SmartPLS.4. The results of this study show that the variables of service quality, loan procedures, and price perception have a significant influence on customer decisions, while the customer satisfaction variable does not affect customer decisions. Additionally, the service quality variable has a significant influence on customer decisions through customer satisfaction and loan procedures, while price perception does not affect customer decisions through customer satisfaction in obtaining people's business credit financing.
Dampak Biaya Operasional terhadap Profitabilitas Perbankan: Meneliti Efek Moderasi Penerapan Green Banking dan Jenis Bank pada Perbankan Syariah dan Konvensional Alam, Azhar; Nugroho, Wisnu Adji; Rosyadi, Imron
Jurnal Perbankan Syariah Vol. 4 No. 1 (2025): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v4i1.12920

Abstract

This study investigates the effect of operational costs on bank profitability in Indonesia, focusing on the moderating roles of green banking practices and bank type (Islamic versus conventional). Using panel data from five Islamic and five conventional banks for 2022–2023, the analysis employs Chow, Hausman, and Lagrange Multiplier tests to determine the most appropriate model, with the Random Effect Model selected for hypothesis testing. The results show that operational costs significantly negatively affect bank profitability, as measured by Return on Assets (ROA), confirming that higher operational costs reduce profitability. While statistically insignificant, the moderating effect of green banking indicates a positive direction, suggesting that adopting green banking can potentially mitigate the negative impact of operational costs on profitability. Furthermore, the interaction between operational costs and bank type reveals that Islamic banks are less sensitive to operational cost increases than conventional banks. However, this moderating effect is also statistically insignificant. These findings highlight the importance of efficient cost management and the strategic adoption of green banking, especially in Islamic banks, to enhance profitability. The study contributes to the literature by providing empirical evidence on the interplay between operational efficiency, sustainability practices, and bank type in the Indonesian banking sector.
Pengaruh Literasi Keuangan Syariah dan Kepercayaan Nasabah Terhadap Minat Penggunaan Mobile Banking Syariah di Bank Syariah Indonesia (BSI) KCP Bertais Mandalika Muhamad Maimun, Bunga Aulia Khafifa; Muhammad Muhajir Aminy
Jurnal Perbankan Syariah Vol. 4 No. 1 (2025): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v4i1.12940

Abstract

The purpose of this study is to determine the effect of Islamic financial literacy and customer trust on the interest in using Islamic mobile banking at BSI KCP Bertais Mandalika. The variables in this study are Islamic financial literacy (X1), Trust (X2), and Interest in Using Islamic Mobile Banking (Y). The method in this study uses a quantitative method with an Associative approach or cause and effect influence. The population in this study were customers of Bank Syariah Indonesia KCP Bertais Mandalika who had not used Islamic mobile banking. The sample determination used accidental sampling. The data source used was primary data obtained from distributing questionnaires. The data analysis method was multiple linear regression analysis. The results of this study indicate that Islamic financial literacy partially has a significant positive effect on the interest in using Islamic mobile banking, and the trust variable partially has a positive and significant effect on the interest in using Islamic mobile banking. Simultaneously, Islamic financial literacy and trust have a significant positive influence on the interest in using Islamic mobile banking with an R-Square determination coefficient of 51.2%. Keywords: Literasi Keuangan Syariah, Kepercayaan, Minat
Korelasi Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Financing Terhadap Pembiayaan Pada PT. Bank Muamalat Indonesia Fauli Majdi, Zulha; Rafiqi, Iqbal; Faizah, Maftuhatul; Mujibno; Supriyadi
Jurnal Perbankan Syariah Vol. 4 No. 1 (2025): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v4i1.13068

Abstract

This study aims to analyze the relationship between third party funds, capital adequacy ratio, non-performing financing partially and simultaneously on financing at PT. Bank Muamalat Indonesia. The object of this study is the quarterly financial report of PT. Bank Muamalat Indonesia for the period 2018-2022. The data collection technique uses documentation with multiple linear regression analysis tests. The results of the t-test analysis show that partially the DPK variable has no effect on financing with a significance value of 0.100> 0.05 and a t-count value of 1.748 <t table 2.120. The NPF variable does not affect financing because the significance value is 0.308> 0.05 with a t-count value of 1.054 <2.120. The CAR variable affects financing with a significance value of 0.00 <0.05 and a t-count value of 7.131> 2.120. Simultaneously, the DPK, CAR, and NPF variables affect financing. This is proven by the sig-F value of 0.00 < 0.05 and the comparison of F table (3.20) < F count (21,773). The predictive ability of the three variables on financing is 76.6% as indicated by the amount of adjusted R2, while the remaining 23.4% is influenced by other ratio factors.
Pengaruh Kepercayaan Masyarakat terhadap Pembiayaan Mudharabah di BSI Kecamatan Belo Kabupaten Bima Nurunnasiah; Sabrang Gilang Gemilang; Muhammad Helmy Reza; Lalu Ahmad Ramadani
Jurnal Perbankan Syariah Vol. 4 No. 1 (2025): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v4i1.13378

Abstract

Trust is a person's willingness to rely on another person involved in an exchange because he or she believes in that person. Because trust is very important in the banking industry, customer trust in banks is an important component that influences customer loyalty. Although the majority of the people of Renda Village, Belo District, Bima Regency are Muslim, many people are less aware of Islamic Banking products, which causes them to have less trust in Islamic Bank services and products. In addition, the knowledge and understanding of the community indirectly affect their perspective on the perception of Islamic banking. This study uses a quantitative method, with a research population of 7000 and a sample of 100 respondents. In this study, statistical analysis was carried out using SPSS. The data analysis techniques used were validity and reliability tests, classical assumption tests, and simple linear regression tests. The results of this study indicate that there is a positive and significant influence of the level of public trust on mudharabah financing with a value of the T-test of the trust level variable of 5.702 with a significance of 0.000 <0.05. Variable X1 has a t-test of 5.702 with t-table = 1.985.

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