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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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Comparison Of Murabahah And Musyarakah Mutanaqisah Financing Management Strategies Ramadani, Uci; Izmuddin, Iiz
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1576

Abstract

This research analyses the comparison of murabaha and musyarakah mutanaqisah financing management strategies. This research is field research with data sources coming from primary and secondary data through observation, interviews, questionnaires, documentation and focus group discussions (FGD). Data analysis uses a mixed method approach, quantitatively and qualitatively using IFAS, EFAS matrices, SWOT diagrams and SWOT matrices. This research found advantages and disadvantages to murabaha and musyarakah mutanaqisah financing. Murabaha financing is quite familiar compared to musyarakah mutanaqisah financing and is currently in an aggressive strategic position with a strengths-opportunity score of 3.0. This position is very profitable for bank nagari syariah Bukittinggi. For musyarakah mutanaqisah financing, it is currently also in a favourable position. However, under Murabaha financing with a total strengths-opportunity score of 1.15, this position is still profitable for bank nagari syariah Bukittinggi. However, the weakness of musyarakah mutanaqisah means that financing distribution could be more optimal. Mutanaqisah musyarakah financing has incredible strengths and opportunities if it maximises its strategy. This research can complement existing theory and become a reference for bank nagari syariah Bukittinggi in improving its financing management strategy to support financing growth and meet community needs.
Determinants Of Islamic Bank Financing During Economic Turbulence Selian, Mardiah Mutiara Puspitasari; Lutfi, Lutfi
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1615

Abstract

The Covid-19 outbreak has caused turbulence in Indonesia's economic growth, thereby disrupting the performance of Islamic banks, especially in the distribution of financing. This research examines the influence of economic turbulence, third-party deposits, bank size, capital and profitability on financing disbursed by Islamic banks in Indonesia. The population of this research is Islamic commercial banks in Indonesia in the 2017-2022 period. The sample selection used a purposive sampling method and obtained ten Islamic banks. The data analysis technique uses panel data analysis with a fixed effect model. The research results prove that third-party deposits positively and significantly impact financing, while bank size and capital negatively and significantly impact financing. However, economic turbulence and profitability do not affect financing. When financing is divided based on contracts, economic turbulence negatively impacts profit-sharing-based financing, and profitability negatively impacts receivables-based financing. These findings can be a reference for Islamic banks to maintain the availability of third-party deposit funds to support financing expansion and further optimize their capital by channelling it to more productive assets in the form of financing. These findings can complement existing theories and support the business cycle theory that Islamic banks tighten financing based on profit sharing, which carries higher risks.
Evaluation Of The Financial Performance Of Bank Syariah Indonesia Using The Camel Method Fi Amanillah, Izzatul Maula; Ghofur, Abd.; Maulidiyah, Nailin Nikmatul
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1743

Abstract

Financial performance is essential for banking institutions. Good financial performance can increase public confidence in investing capital and applying for financing to banks. This research aims to evaluate the financial performance of Bank Syariah Indonesia after the merger. This research uses a descriptive quantitative approach with data sources in the form of secondary data. The data collection technique uses documentation from Bank Syariah Indonesia's financial reports for 2021-2023. The data analysis technique uses the CAMEL method: capital, assets, management, earnings and liquidity. The research results show that the capital aspect from 2021 to 2023 falls within the excellent criteria. The asset aspect from 2021 to 2023 is included in the excellent criteria. The management aspect from 2021 to 2023 falls into the suitable criteria. The earnings aspect from 2021 to 2023 is included in the excellent criteria. The excellent criteria include the liquidity aspect from 2021 to 2023. Bank Syariah Indonesia's financial performance after the merger from 2021 to 2023 is healthy. This research can be used as reference material for evaluating Bank Syariah Indonesia and improving its financial performance in the future. Then, it can also be a reference for stakeholders in making decisions.
Motives For Fraudulent Behavior In Islamic Bank: Hexagon Model Of Perspective Fraud Meilany, Merry; Winario, Mohd.
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1761

Abstract

This research explores the motives for fraudulent behaviour using the fraud hexagon model approach in Islamic Bank X, city Y. This research is qualitative research with primary data sources. Data collection was carried out through unstructured interviews and then deepened through observation. The informants for this research consisted of 7 people who had worked and were currently working in several parts of Islamic Bank X, city Y. This research used qualitative data analysis techniques with three stages in the form of data reduction, data presentation and conclusion. This research reveals the motives for fraudulent behaviour at Islamic Bank X in City Y from the perceptive fraud hexagon model. Fraudulent behaviour is based on the perpetrator's intention and is driven by motives in the form of pressure, rationalization, opportunity, ability, arrogance and collusion. Companies can use the results of this research to consider strategies and policies for controlling risks against fraud. The results of this research can also be helpful for Islamic Banks regarding the suitability of a person's position. Sharia banks must develop their human resources well so that there is a balance between employee rights and obligations.
Implementation Of Murabaha Financing In Baitul Maal Wat Tamwil: A SWOT Analysis Assodiqoh, Nur Ma'rifah; Fitriyani, Yeny; Yanuar, Fuad; Purwanto, Purwanto; Pambudi, Fajar
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1772

Abstract

This research uses the SWOT approach to review Murabaha financing at Baitul Maal Wat Tamwil (BMT). This research is field research, with primary and secondary data sources, such as questionnaires, interviews, and literature. The research sample consisted of 20 people and three informants. Data analysis uses a mixed method approach, quantitatively and qualitatively, with the IFAS, EFAS and SWOT matrices. The research results found that several internal and external factors need to be evaluated, such as public trust, quality leadership, networks and partnerships, excellent and friendly service, practical procedures, and strategic location, which are assets that organizations can utilize to socialize Murabaha financing in the community. Meanwhile, external opportunities such as support from government agencies, a majority Muslim community, and local marketing strategies offer further growth and development potential. However, there are areas for improvement in education and awareness, product and service innovation, limited resources, and local marketing strategies that need to be overcome. Furthermore, threats from many competitors, the same target market, and a low public understanding of Islamic financing exist. This research can be helpful as a reference for future research and then become a reference for BMT in aligning organizational strategy with internal strengths and external opportunities, as well as overcoming existing weaknesses and threats.
Determinants Of Murabaha Margin Income Of Islamic Commercial Banks In Indonesia Hasibuan, Abdul Nasser; Hardana, Ali
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1773

Abstract

This research aims to analyze and show the influence of overhead costs, risk costs and Wadiah savings on Murabaha margin income at Islamic commercial banks (ICB) in Indonesia. This research method uses a quantitative approach, and the data used is secondary data. The population of this study was ICB for 2020-2023. The sampling technique used purposive sampling to obtain a sample of 8 ICB with 32 observation data. Data collection techniques in this research used documentation and a literature study. The data analysis technique uses multiple linear regression. The results of this research indicate that overhead costs have a positive effect on Murabaha's margin income. Risk costs do not affect Murabaha's margin income. Wadiah's savings have a positive effect on Murabaha's margin income. The results of this research can complement existing theories and become a reference for future research. Then, it can become a reference for ICB in increasing the amount of Murabaha's margin income through increasing overhead costs and Wadiah savings, as well as reducing risk costs collected from the community.
Factors Influencing Gen Z's Intention In Adopting Islamic Fintech Payment Digital Services Syakinah, Fitri
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1780

Abstract

Extensive studies on Islamic financial technology (fintech) have been conducted, while attention to its specific impact on Generation Z still needs to be paid. This research analyses the influence of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit on Generation Z's intention to adopt a Sharia-compliant digital fintech payment system. This research uses a survey-based quantitative approach. This research relies on primary data sources through questionnaires. The population of this study was Generation Z from the Garut district, while the sampling technique used random samples using Hair measurements, so 143 samples were obtained. The data analysis technique uses SEM-PLS, assisted by the SmartPLS application. The research results prove that social influence and habit have a positive and significant effect on Generation Z's intention to adopt Islamic fintech digital payment services, while performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, and price value have no effect on Generation Z's intention to adopt payment services Islamic digital fintech. This research can become literature for further research. It can be used as a reference for the Islamic fintech industry to develop products and services that are more attractive to Generation Z.
Optimizing Islamic Bank Customer Satisfaction Through Mobile Banking And Internet Banking Services Galih, Muchammad Damar; Setiawan, Firman
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1791

Abstract

This research aims to analyze the optimization of customer satisfaction through mobile and internet banking services at the Bank Syariah Indonesia (BSI) Jombang branch office. This research is field research using qualitative methods through a case study approach. Data was collected through in-depth interviews with six informants from BSI customers who actively use mobile and internet banking. The data analysis technique used is interactive analysis with several steps: data reduction, data presentation, and conclusions. The research results show that evaluating the user interface of mobile and internet banking services is necessary. Banks must improve the security of mobile and internet banking systems. Preparing for bank credibility and good integration between mobile and internet banking services, the bank needs to improve customer service to be more responsive and informative in mobile banking and internet banking services. This research can be a reference for future research and can be a reference for Islamic banking in optimizing online services, especially for BSI.
Islamic Bank Performance Assessment Using SATF Value Rizal, Andi Muhammad
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1792

Abstract

This study aims to evaluate the performance of Islamic banks based on the shidiq, amanah, tabligh, and fathona (SATF value) approach. The type of research is descriptive quantitative using secondary data. The research population is all Islamic Commercial Banks (ICB) operating in Indonesia for 2018-2022. The sampling technique uses saturated samples. The data combines ICB annual financial reports issued by the Financial Services Authority (FSA) and literature studies. The data analysis technique uses simple additive weighting (SAW). The research results show that Shidiq's performance shows high public confidence in Islamic bank savings products. Amanah's performance shows that the distribution of financing and carrying out responsibilities to bring benefits still need to be higher. Tabligh's performance shows that the level of Islamic compliance carried out by banking operations is Islamic. Fathona's performance shows that Islamic banking still needs to be optimal in increasing human resources (HR) capability or quality. Overall, the results of evaluating the performance of Islamic banking in Indonesia using the SATF value model during 2018-2022 are entirely satisfactory, with the SATF performance value increasing from year to year. The results of this research can be a reference for future research and provide valuable guidance for maintaining and improving Islamic banking performance while actively correcting any identified weaknesses or deficiencies.
Perceived Benefits And Perceived Behavioral Control Toward Fintech Adoption Intention In Banking Products Marco, Michael; Arifin, Agus Zainul
JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i2.1794

Abstract

This study aims to verify the relationship between perceived benefits and perceived behavioral control on fintech adoption intention on banking products and services in Indonesia. This quantitative study uses the technology acceptance model (TAM) approach and the theory of planned behavior (TPB). The sampling technique uses purposive sampling, with a sample size of 545 respondents. The data source used is primary data. Data were collected by distributing questionnaires built using Google Forms and distributed through social media. The data analysis technique uses a structural equation model based on partial least squares (SEM-PLS) with the help of SmartPLS software. The study's results prove that perceived benefits and perceived behavioral control positively affect fintech adoption intention. This study can theoretically prove that the TAM and TPB theories can be applied together and explain the relationship between research variables. Practically, the TAM and TPB theories can be used together as a policy-making model for implementing fintech innovation in banking.

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