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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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MSME Lending And Bank Efficiency: Comparison Between Indonesia And Malaysia Nugroho, Dwiyanjana Santyo; Aji, Tri Susilo Wahyu
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.v5i2.2077

Abstract

MSMEs are one of the pillars of the country's economy; banking has a role in facilitating financing for MSMEs so that they can proliferate. On the other hand, banks must consider the cost efficiency they produce, considering that MSMEs are one of the sectors with high credit risk. This study aims to prove that financing for MSMEs can increase bank efficiency and that there are differences between banking in Indonesia and Malaysia. This study uses quantitative with an associative and comparative approach. The population of this study is banks listed on the Indonesia Stock Exchange and Bursa Malaysia in the 2020-2023 period. The Indonesian sample technique uses the purposive sampling method, and Malaysia uses the saturated sample method. The analysis technique uses stochastic frontier analysis (SFA), multiple linear regression, and difference tests with the help of statistical tools like Stata 17. The findings of the study show that financing for MSMEs affects bank efficiency. There is no difference between bank efficiency in Malaysia and Indonesia, but there is a significant difference between MSME financing in Malaysia and Indonesia. The theoretical implications of this study complement the theory regarding the relationship between MSME financing and bank efficiency. The practical implications of this research can provide recommendations to regulators in Indonesia to boost banking by increasing the financing ratio to MSMEs.
Women's Leadership And Banking Productivity: Mediating Role Of Artificial Intelligence Data, Muhammad Umar; Halim, Firmansyah; Amanda, Alya Dhea
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.v5i2.2078

Abstract

This study aims to analyze the influence of women's leadership on banking productivity with artificial intelligence (AI) as a mediator. This study involved 90 employees of Bank SulSelBar Makassar, where the entire population was sampled (saturated sample). The method used is quantitative, using primary data collected through questionnaires. The data analysis technique used structural equation modeling (SEM) to evaluate the relationship between variables with the help of SmartPLS software version 3.0. The study results indicate that women's leadership positively affects banking productivity and the implementation of AI. However, the implementation of AI itself does not affect banking productivity. AI cannot mediate the influence of women's leadership on banking productivity. This study advises banks to continue supporting inclusive women's leadership and adopt advanced technology to increase productivity. Theoretically, this study does not support the assumption that technology such as AI will automatically increase productivity without considering the context of leadership. The application of AI needs to be carried out optimally by considering the technology's suitability for banking needs.
Indonesian Capital Market Investors' Reaction To The Events At Bank Syariah Indonesia Carolin, Yohana
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.v5i2.2081

Abstract

This study aims to analyze whether there are differences in internal and external events in abnormal profits, trading volume activity, and foreign investment in the stock market for BRIS issuers since the merger announcement and the ratification of the Bank Syariah Indonesia merger. This study is quantitative, where the data processed is secondary data from various sources. Several events during the merger period were collected from October 2020 to February 2021, and 11 events were obtained. This study divides the events into two groups and tests 5 internal and 6 external events with an event window of 11 days. The method used in this study is a different test using the Wilcoxon sign rank test and sample paired t-test, depending on the normal test results. The results of group testing events show no difference before and after internal and external events in abnormal profits, trading volume activity, and foreign investment. However, when viewed from each event, the results show that trading volume activity in events 1, 7, and 11 differs before and after. For foreign investment in events 7 and 11, there are differences before and after; for the rest, there is no difference. This research can provide insight and be a reference for future research. Practically, this research can be a reference for investors when determining investment decisions.
Profit Quality, Islamic Corporate Social Responsibility And Company Values: Islamic Corporate Governance As Moderation Maharani, Elda; Kurniawan, Heri
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.v5i2.2096

Abstract

This study aims to analyze the effect of profit quality and Islamic corporate social responsibility (ICSR) on firm value moderated by Islamic corporate governance (ICG). This study uses a quantitative approach. The population used is all Islamic Commercial Banks (ICB) registered with the Financial Services Authority (FSA) in 2018-2023. The sampling technique used purposive sampling and obtained 11 ICB samples. The data source used is secondary data in the form of documentation of each BUS's financial statements. This study uses multiple linear regression analysis techniques. The results of this study indicate that profit quality negatively affects firm value. ICSR positively affects firm value. ICG is unable to moderate the relationship between profit quality and firm value. ICG is unable to moderate the relationship between ICSR and firm value. This study can complement existing theories and be a reference for future research. This study can also be a reference for ICB in increasing ICB value, especially regarding profit quality and ICSR.
The impact of Islamic financial literacy on Islamic financial planning of Islamic university students Aisyah, Muniaty; Umiyati, Umiyati; Suzanawaty, Leis
JPS (Jurnal Perbankan Syariah) Vol 6 No 1 (2025): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i1.2223

Abstract

Purpose – This study aims to analyze the influence of Islamic university students' Islamic financial literacy on their Islamic financial planning. Method – This study uses a quantitative approach with convenience sampling and a Structural Equation Model - Partial Least Square (SEM-PLS) analysis technique. This study analyzed 110 primary data sets using the Smart PLS application. Representing the population of Islamic university students, the sample or respondents were students from the Islamic banking study program at Syarif Hidayatullah State Islamic University Jakarta, one of Indonesia's largest state Islamic universities. Findings – The results show that students' Islamic financial knowledge and behavior positively affect Islamic financial planning, while students' Islamic financial attitudes have no effect. Implications – Theoretically, this study can complement existing theories, especially the influence of Islamic financial knowledge and behavior on Islamic financial planning. Practically, this study can be a reference in improving Islamic financial literacy and planning of Islamic university students, especially regarding Islamic financial knowledge and behavior.
Dominant role of corporate image and trust in building customer satisfaction in Islamic life insurance Jubaidi, Jubaidi; Pangestu, Krismohadi; Riyandi, Ahmad; Gessa, Derry Royan
JPS (Jurnal Perbankan Syariah) Vol 6 No 1 (2025): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i1.2344

Abstract

Purpose – This study analyses the influence of service quality, corporate image, customer value, and trust on customer satisfaction at PT. Asuransi Jiwa Syariah X Samarinda branch. Method – This study uses a quantitative approach, where the data comes from questionnaires distributed to 100 customers. The data analysis technique uses multiple linear regression analysis through the SPSS 22 program. Findings – The study's results indicate that, partially, corporate image and trust positively affect customer satisfaction, while service quality and value do not affect customer satisfaction. Implications – This study has practical implications for Islamic insurance companies, especially in improving corporate image and building customer trust. Theoretically, this study strengthens the theory that image and trust affect customer satisfaction.
Trends and emerging issues on Islamic banking performance: bibliometrics analysis Aprizal, Anggi; Wiranatakusuma, Dimas Bagus
JPS (Jurnal Perbankan Syariah) Vol 6 No 1 (2025): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i1.2352

Abstract

Purpose – This study aims to conduct a systematic review of the literature on Islamic banking performance. Method – This research analyses trends and developments in the field using the systematic literature review and mapping study approaches. A total of 56 articles were selected from an initial pool of 130 articles sourced from ScienceDirect and Scopus, using the preferred reporting items for systematic reviews and meta-analyses (PRISMA) method. Findings – The findings reveal that trend analysis, density visualization using VosViewer, and mapping studies indicate that research on Islamic banking performance remains dominated by traditional topics such as efficiency, financial performance, and risk management. The primary indicators include return on assets (ROA), return on equity (ROE), non-performing financing (NPF), and loan-to-deposit ratio (LDR). However, studies on Islamic bank resilience, fintech integration, and their role in developing economies remain limited. A more holistic approach is needed to address challenges and opportunities in the digital era. Implications – The implications of this study highlight the importance of policies that support digital innovation while adhering to Sharia principles. Additionally, this study identifies future research opportunities, including the resilience of Islamic banks during crises, the impact of digitalization on efficiency, the contribution of Islamic banking to the green economy, and the influence of regulations on Islamic bank performance. Ultimately, this study provides valuable insights into the trends, challenges, and opportunities facing Islamic banking in an evolving global economic landscape.
Performance of Islamic rural bank: maqashid sharia index Nasution, Surayya Fadhilah
JPS (Jurnal Perbankan Syariah) Vol 6 No 1 (2025): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i1.2355

Abstract

Purpose – This study aims to explore and assess the performance of one of the Islamic rural banks in Indonesia based on the measurement of the maqashid sharia index (MSI). Method – This study relies on a quantitative descriptive approach by utilizing secondary data from the financial statements of Islamic rural banks Gebu Prima released by the FSA for 2021-2024. The method chosen to analyze this study's data is the simple additive weighting method with a multiple-attribute decision-making approach. This study uses three concepts: educating individuals, upholding justice, and promoting welfare. The MSI elements used in this study are educational grants, research, training, publicity, fair returns, functional distribution, interest-free products, profit ratio, personal income, and investment ratio in the real sector. Findings – This study's results indicate that the performance of the Islamic rural bank Gebu Prima has not been maximized because several MSI indicators have not been implemented. Implications – This research can provide insight and be a reference for future scientific studies. This research can encourage regulators to make more assertive policies related to determining performance measurement methods based on maqashid sharia so that the Islamic banking industry, such as Islamic rural banks, can improve its performance per the established guidelines.
Implementation of multi-service ijarah financing in Islamic microfinance institutions: SWOT analysis Istikharoh, Maya; Fitriyani, Yeny; Purwanto, Purwanto
JPS (Jurnal Perbankan Syariah) Vol 6 No 1 (2025): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i1.2360

Abstract

Purpose – This study aims to explore the implementation of multi-service ijarah financing in the Artha Bahana Syariah Tempuran through SWOT analysis. Method – This study uses a mixed approach that combines quantitative and qualitative. Data sources come from primary and secondary data in the form of observations, interviews, questionnaires, and literature. Respondents included 20 people and were complemented by four key informants. Data analysis techniques use the SWOT matrix, IFAS, and EFAS for a comprehensive understanding. Findings – The findings of this study identify that internal and external factors are crucial in shaping multi-service ijarah financing. Among the strengths identified are good and friendly service, public trust, strategic location, fast process, and easy procedures, which can significantly increase the promotion of multi-service ijarah financing. In addition, there are many opportunities in the predominantly Muslim community, strong member loyalty, and the growing needs of the community. However, challenges such as limited human resources, a primarily local marketing focus, and threats from competition and economic instability need to be addressed. Implications – This study can deepen the understanding of SWOT theory in multi-service ijarah financing and offer practical insights for developing more effective financing strategies.
Company size as a moderation of ICG and ICSR on Islamic banking performance Prastyatini, Sri Lestari Yuli; Wahidah, Umi; Jannah, Izzhatul
JPS (Jurnal Perbankan Syariah) Vol 6 No 1 (2025): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i1.2366

Abstract

Purpose – This study aims to analyze the effect of Islamic corporate governance (ICG) and Islamic corporate social responsibility (ICSR) on the financial performance of Islamic banking, with company size as a moderating variable. Method – This study uses a quantitative approach using secondary data obtained from the annual reports of Islamic banks from 2014 to 2023. There are 18 Islamic commercial banks (ICB) registered from 2014 to 2023. The sampling technique uses purposive sampling, so 10 ICBs were selected as samples. The data analysis technique uses multiple linear regression and moderation regression analysis (MRA) with the help of SPSS software version 25. Findings – The results of the study show that ICG and ICSR have a positive effect on ICB financial performance. Company size can strengthen the influence of ICG and ICSR on ICB financial performance. Implications – This study can complement existing theories and provide a theoretical understanding of the factors influencing ICB financial performance. This study can help Islamic bank management improve corporate governance, accountability, and transparency to attract investors and consumers.

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