JPS (Jurnal Perbankan Syariah)
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.
Articles
97 Documents
<![CDATA[Pengaruh Unit Simpan Pinjam Terhadap Peningkatan Kesejahteraan Ekonomi Masyarakat Desa ]]>
<![CDATA[Eka Kusuma Ramadani]]>;
<![CDATA[Dewi Oktayani]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v1i2.230
<![CDATA[This research aims to analyze and provide empirical evidence regarding the effect of the Penebal Teguh Mandiri savings and loan unit on improving the economic welfare of the Penebal village community. The problem in this research is that many people still use savings and loan units towards consumptive use. The data analysis method used is a quantitative analysis using validity and reliability tests, simple linear regression analysis, classical assumption test and the coefficient of determination using SPSS. The population used is the Penebal Village community with the criteria being the people who make loans at the Penebal Teguh Mandiri office of Penebal Village. The sample used was 174 people from the Penebal Village community. The results of this research indicate that only 38% of the level of influence of the savings and loan unit on the level of the economic welfare of the Penebal village community.]]>
<![CDATA[Dimensi Charity Perbankan Syariah ]]>
<![CDATA[Saiful Bahri]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v1i2.231
<![CDATA[There are too many words of Allah in the Qur'an regarding donations and alms, at the same time it states that this charity instrument is a fundamental and principal variable in Islamic law which is actually a way of life. The urgency of charity is not only for individuals, but also very useful for financial institutions such as Islamic banking. With the intensification and extensification of charity, it is imperative that these financial institutions gain good blessings in the world, especially for bankers in the afterlife. With a simple method, namely descriptive analysis, this study describes as few facts as the authors know and understand in order to become a source of inspiration for the next good.]]>
<![CDATA[Analisis Sistem Pengelolaan Keuangan Produk Pembiayaan Syariah Dengan Akad Murabahah ]]>
<![CDATA[Wahid Wachyu Adi Winarto]]>;
<![CDATA[Fatimatul Falah]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v1i2.234
<![CDATA[Cooperatives for Savings and Loans and Sharia Financing are microfinance institutions that collect funds from the public and distribute them to people who need these funds. The purpose of this study was to determine the financial management system of sharia financing with the murabahah contract in the Baitut Tamwil Tazakka Islamic Savings and Loan Cooperative. This research is qualitative research using interview and documentation methods and obtained primary and secondary data results. The results of this study are that the murabahah contract is one of the most dominant contracts in the Baitut Tamwil Tazakka Sharia Savings and Loan Cooperative. Among the products are funding and financing products. In non-performing financing or bad credit, it is known from Non-Performing Financing 0.4%, so to avoid this, the Saving and Loan and Sharia Financing Cooperatives use the 5C principles, namely Character, Capacity, Capital, Collateral, and Condition.]]>
<![CDATA[Pengaruh Sistem Bagi Hasil Deposito Terhadap Persepsi Nasabah ]]>
<![CDATA[Devi Wahyu Arianti]]>;
<![CDATA[Khodijah Ishak]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v1i2.237
<![CDATA[Banking is a financial institution that provides services and facilities to its customers who wish to conduct financial transactions. Bank Syariah Mandiri is a sharia financial institution that offers mudharabah time deposits with a profit-sharing agreement. This study aims to determine the effect of the deposit sharing system on customer perceptions at Bank Syariah Mandiri Bengkalis Sub-Branch Office. This research uses quantitative methods with the number of respondents as many as 110 customers. Based on the results of the calculation of the correlation between profit-sharing with customer perceptions has a positive relationship. Then there is a significant influence between profit-sharing on customer perceptions at Bank Syariah Mandiri Bengkalis Sub Branch Office.]]>
<![CDATA[Teori Bank Syariah ]]>
<![CDATA[Hamdi Agustin]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 2 No 1 (2021): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v2i1.279
<![CDATA[The purpose of this research is to re-conceptualize the theory of Islamic banking according to the Al-Quran and Hadith. This research needs to be carried out considering that the operational activities of Islamic banks, especially in Indonesia, have been heavily criticized by academic researchers because there have been several deviations from Islamic banking activities that are not in accordance with the provisions of Islamic law. The method used in this research is the method of documentation and reviewing secondary data in the form of theories regarding Islamic banking. The analysis technique used is descriptive. Where the development of Islamic banking literature will be explained in a complete and structured manner so that it will produce an in-depth explanation. The results showed that the theory of Islamic banking is shaped like a building where the foundation of Islamic banking is faith-based on the Al-Quran and Hadith and carries out the characteristics of the Prophet Sallallaahu ‘Alaihi Wasallam. After the foundation is in place, it can run the rules of Islamic banking based on sharia which consists of prohibition of all usury practices, prohibition of financing maysir and gharar businesses, financing of real assets, sharing of profits and risk of loss. If sharia has been implemented in sharia banking, a pure sharia bank will be realized so that it will get the blessing of Allah Ta'ala.]]>
<![CDATA[Kultur Nahdlatul Ulama Dalam Penerapan Akad Syariah ]]>
<![CDATA[Nadila Meiri Syahdana]]>;
<![CDATA[Norsain Norsain]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 2 No 1 (2021): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v2i1.285
<![CDATA[The first step in building a good ummah or mabadi' khaira ummah, Nahdlatul Ulama (NU) instilled the five characteristics of the Prophet to his people so that they have a strong mentality as a capital for social-economic improvement in society. The purpose of this study was to analyze the culture of NU in the application of sharia contracts at KSPS BMT UGT Sidogiri, Lenteng Branch. This study uses a qualitative method with a case study approach. The data obtained by researchers are primary data from interviews, observation and documentation. The results of this study indicate that some of the characteristics of mabadi' khaira ummah, namely shiddiq and amanah, are applied in KSPS BMT UGT Sidogiri, Lenteng Branch. Attitudes tawassuth-i'tidal, tasamuh, tawazzun and amar ma'ruf nahi munkar are applied to employee behavior.]]>
<![CDATA[Pengaruh Pembiayaan Ijarah, Non-Performing Financing Dan Financing To Deposit Ratio Terhadap Return On Assets Pada Unit Usaha Syariah Tahun 2018-2020 ]]>
<![CDATA[Rini Malinda Sari]]>;
<![CDATA[Fena Ulfa Aulia]]>;
<![CDATA[Iis Nurul Anami]]>;
<![CDATA[Atika Salsabila]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 2 No 1 (2021): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v2i1.286
<![CDATA[This study aims to determine the effect of ijarah financing, non-performing financing (NPF) and financing to deposit ratio (FDR) on return on assets (ROA) in Islamic business units (IBU) in 2018-2020. In this study, secondary data is used in the form of published quarterly financial reports of Islamic business units which are obtained from the website of the Financial Services Authority. The method used in this research is multiple linear regressions. The results of this study indicate that partially the ijarah financing variable has no significant effect on ROA, while NPF and FDR affect ROA. Ijarah financing cannot be used as a partial determining factor for ROA for IBU, but simultaneously ijarah financing, NPF and FDR can be used as a determining factor for ROA for IBU. Stakeholders can use the NPF and FDR variables as determinants of the level of ROA of an IBU.]]>
<![CDATA[Eksistensi Perbankan Syariah Melalui Dominasi Pembiayaan Profit And Loss Sharing ]]>
<![CDATA[Trimulato Trimulato]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 2 No 1 (2021): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v2i1.287
<![CDATA[The beginning of the presence of the first Islamic bank in Indonesia was known as a bank with a profit and loss sharing concept. But in reality, profit and loss sharing financing is no longer dominant in Islamic banks, because non-profit sharing financing is more dominant, especially financing with the buying and selling model. The purpose of this research is to determine the development of financing in Islamic banks, as well as to determine the need to dominate profit-sharing financing in Islamic banks. This research is a qualitative descriptive which shows the development of Islamic bank financing products and the need to restore the concept of profit and loss sharing to be dominant in Islamic banks. The results of this study indicate that the growth of period financing is quite good. Then there are three reasons for the need to dominate profit and loss sharing financing in Islamic banks, namely restoring the identity of the Islamic bank as a profit-sharing bank, being the main differentiator between conventional and Islamic banks, and the opportunity to grow the real sector with greater income.]]>
<![CDATA[Pengaruh Perputaran Aktiva Tetap Terhadap Return On Assets Pada PT. BPRS HIK Parahyangan Bandung ]]>
<![CDATA[Kunto Ajibroto]]>;
<![CDATA[Nur Azizah]]>;
<![CDATA[Hendriady De Keizer]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 2 No 1 (2021): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v2i1.291
<![CDATA[The level of efficiency of a company in utilizing fixed assets can be measured by calculating the turnover of fixed assets to measure the level of profit generated in relation to its fixed assets by calculating the profitability ratio, proxied by return on assets. This study aims to determine the effect of fixed asset turnover on return on assets at PT. BPRS HIK Parahyangan Bandung. The research method used is descriptive with quantitative data types. While the type of research is explanatory level research that explains the position of the variables studied and the relationship between one variable and another. Data collection techniques using documentation, interviews and literature study. The data analysis technique used simple linear regression analysis. The results obtained show that there is no influence between the turnover of fixed assets on the return on assets at PT. BPRS HIK Parahyangan Bandung.]]>
<![CDATA[Preferensi Pegawai Negeri Sipil Kementerian Agama Tanjung Balai Dalam Memilih Pembiayaan Di Bank Syariah ]]>
<![CDATA[Asra Idriyansyah Purba]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 2 No 1 (2021): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v2i1.292
<![CDATA[This study aims to determine the influence of religion and economy on the preferences of civil servants in the Ministry of Religion of Tanjung Balai in choosing to finance in Islamic banks both partially and simultaneously. This research uses quantitative research methods, involving 63 people from various work units within the Ministry of Religion, Tanjung Balai. This study uses analytical techniques that emphasize hypothesis testing with test models and statistical tests. The results of this study indicate that partially the religious factor has no influence on the preferences of the Tanjung Balai Ministry of Religion civil servants in choosing to finance in Islamic banks. Meanwhile, economic factors have an influence on the preferences of the Tanjung Balai Ministry of Religion civil servants in choosing to finance in Islamic banks. Simultaneously, religious and economic factors have a positive influence on the preferences of the Tanjung Balai Ministry of Religion civil servants in choosing to finance in Islamic banks.]]>
