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JPS (Jurnal Perbankan Syariah)
Published by Institut Syariah Negeri Junjungan Bengkalis
ISSN : 27216241     EISSN : 27217094     DOI : https://doi.org/10.46367/jps
Core Subject : Economy,
Economics, Econometrics & Finance
JPS (Jurnal Perbankan Syariah) was published in print and online by LPPM ISNJ Bengkalis. JPS contains field research results about banking and Islamic banking. JPS functions as a place for academics, scientists, researchers, practitioners, and industry to share views on banking and Islamic banking as outlined in scientific papers. The main focus of the JPS is Islamic Banking, Banking, Non-Bank Financial Institutions, Islamic Bank Information Systems, Islamic Bank Accounting, Islamic Bank Audit, Islamic Bank Management, Islamic Banking Risk Management, Marketing Management of Islamic Banking, Islamic Bank Law Design, Islamic Bank Liquidity Management, Financial Statement Analysis Islamic Banking, Islamic Banking Ethics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 104 Documents
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Customer Understanding of Fiat Money in BSI’s Hajj Savings with Mudharabah Contract in West Aceh Fitriana; Muliza; Hendrawan, Yoni
JPS (Jurnal Perbankan Syariah) Vol 7 No 1 (2026): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v7i1.2905

Abstract

Purpose - This study aims to examine the level of customer understanding of the use of fiat money in BSI Hajj savings with mudharabah contracts. Methods - The method used is quantitative with data analysis using univariate analysis. The results of the study indicate that Hajj savings customers in West Aceh have a good understanding regarding the use of fiat currency in Hajj savings using mudharabah contracts at BSI in West Aceh. Findings - The level of customer understanding of the use of fiat money in Hajj savings using mudharabah contracts at BSI in West Aceh is that those with elementary/secondary education are 3.9 and those with higher education are 4.00, this difference is very small (0.1/2.5%), this is in accordance with the results of the t-test which shows a sig. (2-tail) value of 0.122 > 0.05. The results of the t-test explain that there is no significant difference in the understanding of customers with low/medium education and customers with higher education. Implications - This study provides implications that the knowledge of Hajj savings customers about the legal status of the use of fiat money is very important for the perfection of the Hajj pilgrimage.
Green Banking Performance in Indonesian and Malaysian Islamic Banks: A Maqasid Shariah Framework Salsabila, Fairuz Fasyah; Fitriyah, Fitriyah
JPS (Jurnal Perbankan Syariah) Vol 7 No 1 (2026): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v7i1.2929

Abstract

Purpose – The purpose of this study is to analyze the performance of green banking in Islamic banking in Indonesia and Malaysia based on the maqasid shariah framework. Method – This study is a quantitative study. The sampling technique used is purposive sampling, resulting in a sample size of 21 banks, comprising 11 Indonesian Islamic banks and 10 Malaysian Islamic banks. The data source used is secondary data in the form of annual financial reports of Islamic banks from 2022 to 2024. The data analysis technique uses the Maqashid Syariah Index approach and the Simple Additive Weighting method. The difference in performance between the two countries is tested with an independent sample T-Test using SPSS analysis tools. Findings – The results of this study indicate that there is a significant difference between the green banking performance of Islamic banks in Indonesia and Malaysia based on the maqasid shariah index. Implications – This study can provide insights and contribute to the literature on green finance performance based on the maqasid sharia framework, particularly in the banking sector in Indonesia and Malaysia. This study can serve as a guide for Islamic banks in Indonesia and Malaysia to understand the extent to which green banking performance contributes to achieving sustainability and social welfare goals and provide recommendations for improving green finance.
Criticism of Murabahah Practices in Islamic Banks: Between Fiqh Ideals and Banking Reality Rinaldy, Fachri; Dongoran, Irham; Rivai, Andri; Muhammad Akbar, Jalaluddin; Rabbani, Muhammad Naufal
JPS (Jurnal Perbankan Syariah) Vol 7 No 1 (2026): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v7i1.2940

Abstract

The development of Islamic banking in Indonesia shows that the use of murabahah contracts is more dominant than profit-sharing contracts such as mudharabah and musyarakah. This occurs because murabahah is considered simpler to implement and involves lower risks. Purpose: This study aims to examine the extent to which murabahah financing practices in Islamic banks comply with the principles of muamalah fiqh. Method: This research uses a normative legal method with a normative–critical approach by analyzing various sources, including literature on fiqh and Islamic economics, articles from scientific journals, fatwas issued by the Dewan Syariah Nasional–Majelis Ulama Indonesia, and official reports from the Otoritas Jasa Keuangan as the basis for theoretical and empirical analysis. Findings: The findings indicate that the practice of murabahah in Islamic banks has not fully complied with sharia principles, particularly regarding the obligation of ownership of goods, the clarity of the cost price, and the application of murabahah contracts in inappropriate contexts, which in some cases makes it resemble interest-based financing mechanisms. Implication: This study implies the need to strengthen compliance with sharia principles and to apply the values of muamalah fiqh more comprehensively in Islamic banking financing practices
Determinants of Intention to Use BYOND by BSI Mobile Banking: The Roles of Perceived Ease of Use, Perceived Usefulness, Service Features, and Perceived Risk Zakiya Salsabila; Nihayatu Aslamatis Solekah
JPS (Jurnal Perbankan Syariah) Vol 7 No 1 (2026): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v7i1.2979

Abstract

Purpose - This study aims to analyze the effect of perceived ease of use, perceived usefulness, service features, and perceived risk on the intention to use BYOND by BSI mobile banking in Malang City. Methodology - This research employs a quantitative approach using a survey method, where primary data were collected through questionnaires distributed to 125 respondents who are active users of BYOND by BSI mobile banking in Malang City. The sample was selected using a non-probability sampling technique with purposive sampling method. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Square (PLS) with SmartPLS 3, including outer model evaluation through Confirmatory Factor Analysis (CFA) and inner model analysis for hypothesis testing. Findings - The results indicate that perceived ease of use, perceived usefulness, and service features have a positive and significant effect on the intention to use BYOND by BSI mobile banking in Malang City. Meanwhile, perceived risk does not have a significant effect on usage intention. Implications - These findings suggest that enhancing ease of use, perceived benefits, and service feature quality plays an important role in increasing users’ intention to adopt mobile banking services, while perceived risk is not a determining factor in this context.

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