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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 97 Documents
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Moderation Effect Of Islamic Social Reporting On Influences Of Islamicity Performance Index On Financial Performance Of Islamic Banking Ade Ponirah; Silfi Oktariyani; Gina Sakinah; Yesa Tiara Purnama Sari
JPS (Jurnal Perbankan Syariah) Vol 4 No 1 (2023): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i1.1056

Abstract

This study aims to analyze the effect of the Islamicity performance index on financial performance through Islamic social reporting as a moderating variable. This research uses quantitative methods. This study used purposive sampling to take samples from a total population of 18 Islamic commercial banks (ICB) to obtain five representative ICB samples. The data source uses secondary data in the form of information originating from the official ICB website. Data analysis used multiple linear regression and moderated regression analysis (MRA). The results showed that the zakat performance ratio, Islamic income vs. non-Islamic income ratio, and Islamic social reporting did not affect financial performance. However, the profit-sharing ratio has a significant effect on financial performance. Islamic social reporting can moderate the effect of the profit-sharing ratio on financial performance. However, Islamic social reporting cannot moderate the variable zakat performance ratio and Islamic income vs. non-Islamic income ratio on financial performance. This research can complement existing research and be a reference for ICB management disclosing information to stakeholders by applying Sharia principles.
Firm Size And Financial Performance On Value Of Banking Companies Yantri Ulul Azmi; Lilis Setyowati
JPS (Jurnal Perbankan Syariah) Vol 4 No 2 (2023): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i2.1058

Abstract

This research aims to analyze the influence of financial performance on company value in banking sub-sector companies listed on the Indonesia Stock Exchange (IDX) for the 2018-2021 period. The data used is secondary data in quantitative form in the form of annual financial reports. The sampling method used purposive sampling, which resulted in a sample of 43 companies. The analytical method used is multiple linear regression analysis. Company size is proxied by SIZE, liquidity is proxied by a loan-to-asset ratio (LAR), profitability is proxied by operating costs and operating income (OCOI), and leverage is proxied by capital adequacy ratio (CAR) as an independent variable, company value is measured using price-to-book value (PBV) as the dependent variable. The results of this research show that company size does not have a significant effect on company value. In contrast, loan-to-asset ratio (LAR), operational costs and operating income (OCOI), and capital adequacy ratio (CAR) positively and significantly affect company value. This research provides practical implications that company value can be used as a measure of the success of company management in future operational prospects to create trust for company shareholders.
Determinants Of Murabahah Finance At Islamic Commercial Banks In Indonesia Fahmi Ali Kurniawan; Ashari Lintang Yudhanti
JPS (Jurnal Perbankan Syariah) Vol 4 No 2 (2023): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i2.1107

Abstract

This research aims to analyze the influence of return on assets (ROA), non-performing financing (NPF), and financing-to-deposit ratio (FDR) on murabahah financing at Islamic Commercial Banks (ICB). This quantitative research uses secondary data from the annual Islamic Banking Statistics (IBS) report published by the Financial Services Authority (FSA) for 2015-2021. The population and sample in this study consisted of all ICBs in Indonesia registered with the FSA, namely 15. The sampling technique used saturated samples. Meanwhile, the data used is the overall financial condition of ICB in the research year consisting of 12 months x 7 periods = 84 data. The data analysis technique uses the partial least square-structural equation model (PLS-SEM). The research results show that ROA does not influence murabahah financing, while NPF and FDR influence murabahah financing negatively and significantly. The implications of this research complement the existing theory, and practically, it can be a reference for Islamic banks in increasing ROA, reducing NPF, and increasing FDR through third-party funds so that murabahah financing can increase and more people are helped.
Determinants Of The Decision To Become An Islamic Bank Customer Nurul Aisyah; Muhammad Rusdi; Abu Bakar Assidiq
JPS (Jurnal Perbankan Syariah) Vol 4 No 2 (2023): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i2.1226

Abstract

This research investigates the influence of word of mouth, company image, and brand image on customers' decisions to become customers of Islamic banks. This research method is quantitative, using primary data through questionnaires. The research population includes all customers of Bank Sumsel Babel Syariah Palembang Branch. Samples were taken using an accidental sampling technique with 160 respondents. Data analysis was carried out using structural equation modelling using the Partial Least Square method. The research results show that word of mouth, company image, and brand image positively influence the decision to become a customer at an Islamic bank. The results of this research can complement existing theories and be a reference in developing Islamic banking policies, improving services, and customer interest in Islamic banks. In addition, the results of this research also provide valuable insights for future scientific research.
Financial Performance On Firm Value Mediated By Islamic Performance At Islamic Commercial Banks In Indonesia Gn Qoda'ah; Abdurrahman Abdurrahman
JPS (Jurnal Perbankan Syariah) Vol 4 No 2 (2023): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i2.1304

Abstract

This research aims to prove the influence of financial performance on company value, which is mediated by Islamic performance. The method used is panel data regression and path analysis using secondary data from Islamic commercial bank's (ICBs) annual reports in Indonesia. The population in this research is ICBs in Indonesia registered with the Financial Services Authority (FSA) in 2017-2021, totaling 14 ICBs. The sampling technique uses purposive sampling to obtain a sample of 10 ICBs. The research results prove that return on assets (ROA) and capital adequacy ratio (CAR) partially have a positive effect on the sharia maqashid index (SMI). Operational cost operational income (OCOI) partially does not affect SMI and firm value. CAR and SMI partially have a positive effect on firm value. ROA partially does not affect firm value. SMI can mediate the influence of ROA and CAR on firm value, but SMI cannot mediate the influence of OCOI on firm value. This research can complement existing theories and be a reference for Islamic banking in improving the implementation of SMI indicators and for the government in designing Islamic banking performance measurement models integrated with SMI indicators.
Islamic Marketers Multipurpose Products In Increasing Islamic Bank Customers Dimas Ramadhani
JPS (Jurnal Perbankan Syariah) Vol 4 No 2 (2023): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i2.1335

Abstract

One thing that differentiates Islamic marketers from conventional marketers is their muamalah, namely, referring to Islamic law principles. This research aims to analyze the implementation of Islamic marketers in increasing the number of multipurpose product customers at the office channelling of Bank Sumsel Babel Pangkalpinang Syariah Branch. This research is a type of case study research with a qualitative approach. The data sources used are primary and secondary. Data collection techniques use interviews, observation, and literature. The results of the research show that the implementation of Islamic marketers includes Theistic (rabbaniyyah) implemented because the appearance of Islamic marketers is closed, covering the private parts and wearing the hijab; Ethical (akhlaqiah) implementation always behaves well, speaks politely, and not differentiate between one customer and another; Realistic (waqiyyah), namely the officer is honest in offering the product and does not exaggerate the product's advantages; Humanism (insaniyyah) implemented because officers always respect customers who come and are friendly regardless of ethnicity, religion, and race. The results of this research can be a reference for Islamic banking or other Islamic financial institutions to implement Islamic marketers in marketing products to the public.
Factors Affecting MSME Actors' Interest In Becoming Customers For Islamic Bank Financing Annisa Nur Istiqomah; Rafli Dwi Adiputra; Yenny Kornitasari
JPS (Jurnal Perbankan Syariah) Vol 4 No 2 (2023): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i2.1355

Abstract

This research aims to analyze the influence of Islamic financial literacy, capital requirements, ratios, and convenience on the interest of micro, small, and medium enterprises (MSMEs) to become Islamic bank financing customers. This research uses a descriptive quantitative approach with an analytical method such as multiple linear regression. The population of this research is all MSME actors in East Java. The research sample was obtained from 63 MSMEs in East Java using the Roscoe approach. The data source uses primary data as a questionnaire and is analyzed using multiple linear regression. The research results show that Islamic financial literacy, capital requirements, nisba, and convenience significantly influence the interest of MSMEs to become Islamic bank financing customers. Partially, only the nisba positively and significantly affects the interest of MSMEs to become Islamic bank financing customers. Islamic financial literacy, capital requirements, and convenience do not influence the interest of MSMEs to become Islamic bank financing customers. This research can be used as a complement to existing theories. It can be used as a reference for Islamic banks and the government in developing strategies to attract MSMEs to become Islamic bank financing customers.
How Do Work Discipline, Compensation And Competence Influence Employee Productivity? Wenny Arimah Pramesti; Siti Nur Azizah
JPS (Jurnal Perbankan Syariah) Vol 4 No 2 (2023): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i2.1390

Abstract

Islamic banks require employee productivity, where employee productivity indicates the continuity of bank business productivity. This research aims to analyze the extent to which work discipline, compensation, and competence impact employee productivity. The research uses a quantitative approach with primary data in the form of a questionnaire. The data analysis technique uses partial least squares structural equation statistical modelling, and data processing is carried out using SmartPLS 3.0 software. The population of this study was all employees of Bank Muamalat, Yogyakarta’s main branch office (MBO), totalling 65 people. The research sample consisted of 65 employees selected using a saturated sampling procedure. The research results show a positive and statistically significant impact between work discipline and employee productivity. However, the results of this study did not identify a significant impact between compensation and competency on employee productivity. The results of this research can complement existing theories and can be used as material for consideration and information for Bank Muamalat Yogyakarta’s MBO in making decisions to increase employee productivity.
Job Satisfaction Of Bank Syariah Indonesia Employees Post-Merger Surya Hendrawan; Nur Hendrasto; Muhammad Fahri Farid; Desmy Riani
JPS (Jurnal Perbankan Syariah) Vol 4 No 2 (2023): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i2.1398

Abstract

This research aims to analyze the influence of rewards, supervision, career development, co-workers, and the nature of work on the job satisfaction of Bank Syariah Indonesia employees. This research uses a quantitative approach with primary data. The population of this research is Bank Syariah Indonesia employees who work at the head office and the network undergoing a merger. The sampling technique used random samples, and the number was determined using Slovin's measurements so that 354 respondents were obtained. The data collection technique uses a questionnaire with a Likert scale. Data analysis uses a structural equation model with the help of SmartPLS 3 software. This research shows that rewards, supervision, career development, co-workers, and the nature of work positively and significantly affect the job satisfaction of Bank Syariah Indonesia employees after the merger. Theoretical research results complement existing theory and can be a reference for merging companies regarding management programs to increase employee performance satisfaction.
A Systematic Literature Review Of Religiosity On Customers' Decisions In Choosing Islamic Bank Dita Nur Amaliatul Chusniah; Andriani Samsuri
JPS (Jurnal Perbankan Syariah) Vol 4 No 2 (2023): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i2.1432

Abstract

This research aims to identify the influence of religiosity in determining customers' decisions to choose an Islamic bank using a systematic literature review (SLR) approach. The SLR stages start from identifying, assessing, and interpreting literature, resulting in 18 articles in 18 journals published in 2015-2022, indexed by SINTA, and having E-ISSN. The results of this research indicate that the influence of customer religiosity still has opportunities and challenges to be improved, as indicated by the low religiosity factors of each customer, such as the lack of religious calling that underlies attitudes and behavior, the basis for prohibiting usury and use limited to profit interests. The indicators of religiosity used to influence customers' decisions to choose an Islamic bank are the quality of Islamic products, avoiding riba transactions, the principle of profit sharing, and Islamic features. The research in the sample has a gap in results so it can become a gap for further research. The research proposals obtained in improving customer decisions are increasing religiosity, meeting customer needs, and the effectiveness of Islamic financial literacy. This research can be used as a reference for further research regarding the role of religiosity in influencing customers' decisions to choose Islamic banks.

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