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[Bibliometric Analysis Of Islamic Letters Of Credit ]]>
<![CDATA[Azzahro, Siti Fatimah]]>;
<![CDATA[Aufa, Aufa]]>;
<![CDATA[Indra, Indra]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i1.1796
<![CDATA[Research mapping is essential to describe the topic and appropriate references before conducting research, including Islamic letters of credit. This research aims to review the literature on Islamic letters of credit. This research is a literature review using bibliometric methods with the Dimensions database. The keyword used in the article search is Islamic letter of credit. The data found and processed was 56 articles published from 2010-2023. The data was processed using Microsoft Excel and Bibilioshiny R programs. This research shows that most of the most productive writers come from Malaysia and Turkey. A topic that can be developed for further research is Islamic economic contracts linked to Islamic letters of credit. This research can be used as a reference for future research, as well as information regarding research gaps and an overview of research conditions regarding Islamic letters of credit, which will be developed to be broader and more varied.]]>
<![CDATA[Good Corporate Governance Toward Financial Performance Of Islamic Bank In Indonesia ]]>
<![CDATA[Diana, Nur]]>;
<![CDATA[Syafi’i, Imam]]>;
<![CDATA[Maulidiyah, Nailin Nikmatul]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i1.1797
<![CDATA[This research aims to analyze the influence of good corporate governance (GCG) on the financial performance of Islamic banks in Indonesia. This study uses a quantitative approach. The population in this research is 16 Islamic banks registered with the Financial Services Authority (FSA) for the 2021-2022 period. The sample used was 10 Islamic banks that issued quarterly report data. Sample selection was carried out using the purposive sampling method. The data collection technique uses secondary data in Islamic bank documentation and is processed using the SPSS 25 application with multiple linear regression tests. The results of this research are that the board of commissioners has a negative effect on the financial performance of Islamic banks, and the board of directors has a positive effect on the financial performance of Islamic banks. In contrast, the Sharia supervisory board does not affect the financial performance of Islamic banks. Theoretical research can complement existing theories and be a reference for future research. This research can be a reference for Islamic banking in analyzing corporate governance standards to provide investors with more knowledge and understanding about the financial performance of Islamic banking and enable investors to make the right decisions.]]>
<![CDATA[A Bibliometric And Sentiment Analysis On Sharia Credit Card ]]>
<![CDATA[Mu’adzah, Nadiyah]]>;
<![CDATA[Rachmad, Dedy]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i1.1800
<![CDATA[This research aims to analyze previous research trends regarding Sharia credit cards and the sentiment of this research regarding law from an Islamic perspective. This research is a literature review that uses secondary data from 55 articles related to Sharia credit cards on Dimensions.ai. The data analysis techniques used are meta-analysis, bibliometric, and sentiment analysis, which are processed using Microsoft Excel 2019, VOSViewer, and SentiStrength software. The results of this study indicate that the development of scientific literature publications on Sharia credit cards fluctuated yearly. Sentiment analysis shows a tendency for positive perceptions rather than negative perceptions about the existence and laws of Sharia credit cards, but neutral perceptions dominate. This study found five relevant research topics related to Sharia credit cards. This study can be used as a reference in identifying influential authors, articles, and journals as well as relevant topics so that future researchers will find it easier to find references and topics of interest to developing literature on Sharia credit cards.]]>
<![CDATA[Boosting Islamic Bank Profitability: Governance, Disclosure, And Stakeholder Satisfaction ]]>
<![CDATA[Putra, Donny Maha]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i2.1890
<![CDATA[This study investigates how financial disclosure (SBFd), governance implementation (GGIsb), and social responsibility disclosure (SBSRd) affect profitability (SBP) and stakeholder satisfaction (SS), which are also mediating factors. This study uses a quantitative approach with secondary data in financial reports. The sample study involved 65 data of financial statements and reports annually collected during 2019-2022 from 13 Islamic Banks in Indonesia. The results show that SBFd and GGIsb positively impact SS and SBP. In contrast, SBSRd does not affect SBP and SS. Meanwhile, SS positively impacts SBP and has a good mediator effect on all correlations. This study confirms the stakeholder theory of the importance of transparency and good governance in improving the performance of finance and the mediating role of stakeholder satisfaction. Practical implications include recommendations to raise financial disclosure quality and strengthen governance mechanisms initiatives more effectively. The findings provide new insights for academics and practitioners in understanding the dynamics between operational factors and financially optimized banking sharia in the Indonesian context.]]>
<![CDATA[Mediating Role Of Brand Image In Digital Marketing And E-WOM On Islamic Bank Customer Decisions ]]>
<![CDATA[Maulidia, Farah Esti]]>;
<![CDATA[Adha, Mufti Alam]]>;
<![CDATA[Wahyudi, Rofiul]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i2.1969
<![CDATA[The present study aims to analyze the effects of digital marketing and Electronic Word of Mouth (E-WOM) on brand image, then examine the effects of digital marketing and Electronic Word of Mouth on the decision to be an Islamic bank customer and analyze the effects of digital marketing and Electronic Word of Mouth on the decision to be an Islamic bank customer through brand image as a mediating variable. The research type used in the present study was quantitative, using primary data obtained by distributing questionnaires. By distributing questionnaires, 100 respondent data was found and analyzed using SPSS version 26. The sampling techniques used by the author were the snowball sampling technique and nonprobability sampling. The criteria for the research sample were Islamic bank customers and social media users. Because the size of the research population was unknown, the present study used Lemeshow’s formula. The research results showed that digital marketing had a significant effect on brand image, Electronic Word of Mouth had a considerable effect on brand image, and digital marketing significantly affected the decision to become an Islamic bank customer. In contrast, Electronic Word of Mouth did not significantly affect the decision to be an Islamic bank customer. Brand image positively and significantly affects the decision to become a customer.]]>
<![CDATA[Stability Of Islamic Commercial Banks In Indonesia: Company Size, Profitability, And Efficiency ]]>
<![CDATA[Hasanah, Annisa Nur]]>;
<![CDATA[Umiyati, Umiyati]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i2.1979
<![CDATA[This study aims to analyze the effect of company size, profitability, and efficiency on the stability of Islamic commercial banks (ICB). This study uses a quantitative approach. The population of this study is Islamic commercial banks, and the sampling technique used is purposive sampling, obtained from four ICBs. The data source used is secondary data from each ICB's financial statements. The data analysis technique used is panel data regression analysis using e-views software version 13. The results of this study indicate that company size positively affects ICB's stability. However, profitability negatively affects ICB's stability. In contrast, efficiency does not affect ICB's stability. This study can complement existing theories, especially regarding the effect of size on company stability, and can be a reference for further research. Practically, this study can be a reference for banks in maintaining the stability of company operations in terms of company size and profitability.]]>
<![CDATA[Sharia Compliance And Intellectual Capital Toward Protability Of Islamic Commercial Banks In Indonesia ]]>
<![CDATA[Ningrum, Rianti Agmarin]]>;
<![CDATA[Umiyati, Umiyati]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i2.1998
<![CDATA[This study aims to analyze the effect of sharia compliance (SC) proxied by profit sharing ratio (PSR), zakat performance ratio (ZPR), Islamic income ratio (IsIR), directors-employees welfare ratio (DEWR), and intellectual capital (IC) on profitability (return on assets-ROA) of Islamic commercial banks (ICB) in Indonesia. The population of this study was 13 Islamic commercial banks in Indonesia registered with the Financial Services Authority (FSA). The sample was selected using purposive sampling, so 8 ICB were obtained for the study. The data source used is secondary data from each ICB in Indonesia's annual report for 2019-2023. Data analysis uses panel data regression with an analysis tool in the form of Eviews Version 12.0. The results of the study show that PSR positively affects ROA. ZPR and DEWR negatively affect ROA. However, IsIR and IC do not affect ROA. The implications of this study can complement existing theories and be a reference for further research. In practice, this research can be used as reference material for Islamic banking in optimizing performance, evaluating banking to create competitive advantage values, and identifying assessments in decision-making for the community.]]>
<![CDATA[Strategies To Improve Financial Technology Literacy For Millennials And Generation Z ]]>
<![CDATA[Putri, Rizki Audina]]>;
<![CDATA[Ishak, Khodijah]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i2.2017
<![CDATA[This study analyses the problems and priorities of strategies to improve financial technology literacy, especially among Millennials and Generation Z. This mixed method study uses the analytic network process (ANP) approach. The data sources used are primary and secondary data. Interviews, questionnaires, and literature carried out data collection techniques. Interviews and questionnaires were conducted with seven informants: one regulator, three academics, and three online loan users. The study results showed that the geometric mean determined the priority of fintech literacy problems. The prioritized aspects are the need for more public understanding of online loans, interest rates, and community needs. The priority strategy in improving fintech literacy among Millennials and Generation Z in Bengkalis Regency is to carry out Sharia literacy regarding online loans, regulate online loan interest rates, and reduce the community's need for online loans. Theoretically, this study strengthens the validity of the trade-off theory and provides new insights into strategies to improve fintech literacy. Practically, it contributes to providing strategies to improve fintech literacy for stakeholders.]]>
<![CDATA[Factors Influencing Generation Z's Purchasing Intention In BSI Mobile Gold Installments ]]>
<![CDATA[Amelia, Siska]]>;
<![CDATA[Aisyah, Muniaty]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i2.2056
<![CDATA[This study aims to analyze the influence of corporate image, content marketing, and price on the interest in buying BSI Mobile gold installment products among Generation Z. This study uses a quantitative approach with sampling through a purposive sampling method that was tested on 100 respondents who are Instagram followers @lifewithbsi from generation Z. The primary data source used was an online questionnaire distribution. The analysis technique used is the structural equation model - partial least square (SEM-PLS) using the SmartPLS analysis tool. This study found that corporate image and content marketing positively influence buying interest. At the same time, price does not affect buying interest. Theoretically, this study can provide information and supporting literature for the academic community in similar studies in the future. Practically, this study can be helpful to BSI in terms of corporate image and content marketing to increase the interest of customers and prospective customers from Generation Z in using its products.]]>
<![CDATA[Perceptions And Interests Of Young Entrepreneurs In Sharia-Based Business Finance ]]>
<![CDATA[Wahyuni, Fitri]]>;
<![CDATA[Bustami, Alex Wissalam]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v5i2.2066
<![CDATA[This study analyses the perception and interest of young entrepreneurs in Sharia-based business financing at BSI in Sungai Penuh City, Jambi. This study uses a qualitative approach with primary data from interviews. Interviews were conducted directly with six informants. The data analysis technique uses the Miles and Huberman approach with the following stages: data reduction, data presentation, verification, and conclusion. The results of the study indicate that the perception of young entrepreneurs towards Sharia-based loans is generally very positive; they understand the basic principles of Sharia in financing without interest and the application of profit sharing. Young entrepreneurs also recognize the benefits of sharia financing, such as easy access and simple procedures. On the other hand, the interest of young entrepreneurs in Sharia financing is still relatively low. This is due to the need for more socialization and support from Sharia financial institutions and limited financing options. Theoretically, this study can be used as a reference for relevant research in the future. Practically, this study can be a reference for Sharia financial institutions in designing marketing strategies and developing financing products that meet prospective customers' needs so that they can have a positive impact and increase interest and awareness of the importance of Sharia financing among young entrepreneurs.]]>
