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Irma Rosyidah
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jurnal.jifsb@staisenorituban.ac.id
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Journal of Islamic Finance and Syariah Banking
Published by STAI Senori Tuban
ISSN : -     EISSN : 30266017     DOI : https://doi.org/10.63321/JIFSB
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
ournal of Islamic Finance and Syariah Banking adalah jurnal akademik yang fokus pada keuangan Islam dan perbankan syariah. Jurnal ini menyajikan artikel-artikel ilmiah yang mendalam tentang prinsip-prinsip ekonomi Islam, hukum keuangan Islam, perbankan syariah, investasi berbasis syariah, pasar modal Islam, dan topik terkait lainnya. Jurnal ini memberikan wadah bagi para peneliti dan akademisi untuk berbagi pemikiran, analisis, dan pandangan kritis mereka terhadap isu-isu penting dalam dunia keuangan Islam dan perbankan syariah. Journal of Islamic Finance and Syariah Banking berupaya mendorong diskusi intelektual yang mendalam dan kontribusi berharga terhadap pemahaman tentang warisan intelektual Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 30 Documents
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Analisis Peran Corporate Social Responsibility (CSR) dalam Membangun Citra Positif Bank Syariah di Indonesia Mujib, Muhammad Abdul
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 2 (2025): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i2.76

Abstract

This research examines the role of Corporate Social Responsibility (CSR) in shaping a positive image of Islamic banks in Indonesia, employing a literature review approach to gather and analyze various relevant literature sources. The thematic analysis method was applied to identify patterns and themes that emerged from data related to CSR implementation and public perceptions of Islamic banks. The research results indicate that effective CSR implementation not only enhances the image and reputation of Islamic banks but also fosters customer loyalty and public trust. CSR programs that focus on economic empowerment, education, and health have been proven to have a significant positive impact, as well as creating mutually beneficial relationships between banks and the community. Thus, the integration of CSR in the business strategy of Islamic banks is very important for long-term sustainability and growth.
Implementasi Pembayaran dengan PSP Pengganti Uang Kertas Studi Kasus di Madrasah Sains Quran Ar Ridwan Bojonegoro Al Fahmi, Moh. Dhofir Jenny
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 2 (2025): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i2.77

Abstract

The development of technology is currently quite rapid, bringing about major changes in various aspects of human life. One of the innovations in technological progress today is the Payment Service Provider (PSP). PSP is currently used in several institutions, one of which is in Islamic boarding schools. In the era of globalization and digitalization, the use of Payment Service Providers (PSP) which is used as a payment method to replace paper money offers an innovative and efficient solution.  The purpose of this study was to determine the implementation of payments with PSP to replace paper money at Madrasah Ibtidaiyah Al-Qur'an Ar Ridwan Bojonegoro. The method used in this study is a qualitative method with a case study type. Data collection techniques in the study were carried out by in-depth interviews with financial managers and users of the PSP program at Madrasah Ibtidaiyah Al-Qur'an Ar Ridwan Bojonegoro. The results of the study revealed that the implementation of financial digitalization through the use of PSP in managing student finances brings various important benefits. Among them are the ease of recording and reporting finances that are more transparent between the boarding school, guardians of students, and students themselves. Not only does it provide benefits, but the use of PSP also has its drawbacks, namely the card is easily lost and can only be used at the Ar Ridwan institution. In general, the use of PSP Mobile makes it easier for students to manage their personal finances more effectively and efficiently..
Optimalisasi Program Labelisasi Halal Produk Makanan di Kota Palangka Raya Kurniawan, Rahmad; Ihsan, Moh.; Ulfah, Maulida
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 2 (2025): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i2.78

Abstract

Besides its natural beauty, the city of Palangka Raya also has unique culinary delights, special food, and various kinds of locally processed food products, both home and industrial. This research seeks to determine how the halal labeling program for food products is implemented in Palangka Raya, and how to optimize the halal labeling program in Palangka Raya City. This type of research is qualitative, with the research subject being the Ministry of Religion regional office managing halal labeling in the City of Palangka Raya. Data collection techniques used are observation, interviews, and documentation. Validation of data using source triangulation. Data analysis uses collection, reduction, presentation, and conclusion. The implementation of the halal labeling program in Palangka Raya City currently only covers food and beverages and does not include medicines. Thus, the implementation of the halal labeling program for food products in Palangka Raya City provides multiple benefits. The halal labeling program also has the potential to increase the competitiveness of local products in national and international markets. optimizing service programs that have been carried out by the Ministry of Religion (Kemenag) in outreach activities to the public about halal labeling. One of the optimization efforts being made is to recruit halal assistants, namely religious instructors in all regions of Indonesia, especially in Central Kalimantan.
Kontribusi BMT NU Ngasem Cabang Senori dalam Transformasi Ekonomi Pedesaan melalui Pendekatan Keuangan Syariah Mujib, Muhammad Abdul
Journal of Islamic Finance and Syariah Banking Vol. 3 No. 1 (2025): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v3i1.115

Abstract

This study aims to analyze the contribution of BMT NU Ngasem Senori Branch to strengthening the local economy based on sharia principles, with a focus on the role of BMT in providing access to financing for micro and small business actors and its contribution to the social and spiritual empowerment of the community. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation, and then analyzed inductively to describe the phenomenon of the role of BMT in building a just local economy. The results show that BMT NU Ngasem Senori Branch plays a role not only as a sharia microfinance institution that provides financing without usury through murabahah, mudharabah, and musyarakah contracts, but also as an agent of social transformation that fosters awareness of sharia economics at the grassroots level. The positive impact is seen in the increase in community income, the creation of new jobs, and the development of productive economic activities in the trade, agriculture, and home industry sectors. In addition, the management of zakat, infaq, and alms (ZIS) funds through the Baitul Maal unit plays a role in poverty alleviation, financing the education of orphans, and strengthening social solidarity. The existence of the BMT NU Ngasem Senori Branch has a strategic contribution in realizing a local economy that is inclusive, just, and based on Islamic values.
Efektivitas Green Sukuk sebagai Instrumen Keuangan Syariah dalam Mitigasi Perubahan Iklim Ihsan, Moh
Journal of Islamic Finance and Syariah Banking Vol. 3 No. 1 (2025): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v3i1.116

Abstract

Green sukuk has emerged as an innovative Islamic financial instrument that aligns Sharia principles with global environmental goals. This study examines the effectiveness of green sukuk in mitigating climate change, with a focus on financing sustainable development projects. Utilizing a qualitative descriptive approach, this paper reviews various green sukuk issuances, particularly those by Indonesia, the first sovereign issuer. The findings reveal that green sukuk not only mobilizes significant funding for renewable energy, energy efficiency, and sustainable transportation but also attracts environmentally conscious investors. Moreover, its compliance with Shariah principles ensures broader acceptance among Muslim-majority markets. The study highlights the dual benefit of green sukuk as both a climate finance tool and a means of expanding the Islamic finance market. However, challenges remain in standardization, project monitoring, and impact measurement. This paper concludes that while green sukuk is still evolving, it presents a promising pathway for integrating ethical finance with climate resilience strategies.
Pengaruh Lebel Syariah terhadap Keputusan Konsumen dalam Pendekatan Neuromarketing dengan Teknik Eye Tracking dan Facial Coding Istingadah, Istingadah
Journal of Islamic Finance and Syariah Banking Vol. 3 No. 1 (2025): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v3i1.117

Abstract

This study aims to analyze the influence of the sharia label on consumer decision-making using a neuromarketing approach through eye tracking and facial coding techniques. The research is motivated by the limited visual attention consumers give to Sharia labels in Islamic banking promotions, as well as increasing consumer skepticism regarding the authenticity of such labels. This study employs a theoretical qualitative method based on an in-depth literature review of eye tracking, facial coding, and Muslim consumer psychology. Findings indicate that sharia labels that are minimally designed and placed in non-strategic visual areas fail in capturing initial visual attention. Furthermore, theoretical facial coding analysis suggests that positive emotional responses only emerge when the label is perceived as an authentic representation of Islamic values. Conversely, when the label is viewed merely as a marketing strategy without substance, negative emotional expressions are more likely to occur. Thus, the effectiveness of sharia labels is highly dependent on both the strength of visual design and the perceived authenticity of values factors that operate at a subconscious level and significantly influence consumer decisions level and significantly influence consumer decisions.
Determinasi Keberhasilan Kinerja Berbasis Strategi Unggul BMT UAS Kantor Cabang Bangilan sebagai Kantor Terbaik Tahun 2024 Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 3 No. 1 (2025): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v3i1.118

Abstract

The growth of Islamic microfinance institutions in Indonesia has significantly contributed to expanding access to Islamic-based finance. However, amidst digital transformation and competition from modern financial institutions, many Baitul Maal wat Tamwil (BMT) face serious challenges in maintaining their performance and sustainability. The urgency of this research lies in the importance of understanding the determinants of BMT performance success through the implementation of superior strategies that adapt to the social and economic dynamics of the community. This study aims to analyze the determinants of successful performance based on superior strategies at BMT UAS Bangilan Branch, which was awarded the title of best office in 2024. This research used a qualitative approach with a case study design. Data were collected through in-depth interviews, observation, and documentation, then analyzed using the Miles and Huberman interactive model. The results indicate that the success of BMT UAS Bangilan Branch is determined by the synergy between human resource development, digital technology utilization, Sharia product innovation, promotional strategies, and member services that are responsive to community needs. Supporting factors such as community trust and central management support strengthen this strategy, while limited technological infrastructure and digital literacy pose major challenges. This research provides academic contributions to the literature on Islamic value-based strategic management as well as practical recommendations for strengthening BMT governance in Indonesia.
Analisis Kepatuhan Hukum Bank terhadap Regulasi OJK dan BI dalam Implementasi Layanan Digital Banking Rozikin, Muhammad
Journal of Islamic Finance and Syariah Banking Vol. 3 No. 1 (2025): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v3i1.119

Abstract

This study aims to analyze the level of legal compliance of banks with regulations established by the Financial Services Authority (OJK) and Bank Indonesia (BI) in the provision of digital banking services in Indonesia. The research focuses on the extent to which banking institutions are able to implement the principles of prudence, good governance, and compliance with legal provisions amidst the rapid development of financial technology. The research method used is a descriptive qualitative approach with literature study techniques through a review of laws and regulations, academic literature, and previous research results relevant to the topic of legal compliance and digital banking regulations. The analysis was conducted to understand the relationship between regulations, financial institutions' compliance behavior, and their impact on the stability of the national banking system. The results show that the level of legal compliance of banks is significantly influenced by the effectiveness of regulations, legal awareness of industry players, and institutional capacity in implementing internal supervisory systems. The OJK and BI have a strategic role in regulating, supervising, and adapting regulations to align with the development of digital banking, including through the implementation of digital-based supervisory technology (RegTech). Legal compliance is a crucial element in maintaining public trust, transaction security, and the sustainability of digital banking in Indonesia.
Analisis Tabungan Pendidikan Syari’ah sebagai Instrument Perencanaan Keuangan Keluarga Ilmiyah, Izzatul; Istingadah, Istingadah
Journal of Islamic Finance and Syariah Banking Vol. 3 No. 1 (2025): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v3i1.120

Abstract

The rising cost of education poses a significant challenge for families in maintaining financial stability, particularly amid fluctuating economic conditions. For Muslim families, financial planning must not only consider economic aspects but also comply with Islamic principles. Sharia-based education savings emerge as a solution to support long-term financial planning for children’s education in alignment with Islamic values. This study aims to analyze the effectiveness and contribution of Sharia education savings as a financial planning instrument for Muslim families, as well as to evaluate the application of Sharia principles in such products. A qualitative approach was employed using library research methods, with data collected from various sources, including books, scholarly journals, DSN-MUI fatwas, and official documents from Islamic financial institutions. The data were analyzed using content analysis with a descriptive analytical approach. The findings reveal that Sharia education savings can serve as an effective financial instrument for Muslim families in preparing education funds in a systematic and Sharia-compliant manner. The product emphasizes transparency in contracts and avoids elements of riba (interest), gharar (uncertainty), and maysir (speculation). However, challenges remain, particularly in the form of low Sharia financial literacy and limited public understanding of the product’s benefits.
Analisis Pembayaran dengan Sistem Bayar Kasbon di Kantin Madrasah: Studi Kasus di Labudda Ar Ridwan Bojonegoro Al Fahmi, Moh. Dhofir Jenny
Journal of Islamic Finance and Syariah Banking Vol. 3 No. 1 (2025): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v3i1.121

Abstract

This study aims to analyze the practice of cash advance payments at the Labudda Ar Ridwan Bojonegoro Madrasah Canteen from a socio-economic and Islamic economic perspective. This study uses a qualitative approach with descriptive analytical methods through observation, interviews, and documentation of the canteen manager and students who use cash advances. The results show that the cash advance system is still relevant in the digital era because it offers flexibility, does not require an internet connection, and is based on social trust. The main factors contributing to cash advance use include family economic limitations, technical constraints, and financial constraints. Payment Service Providers (PSP), as well as urgent needs in the school environment. From a socio-economic perspective, the practice of cash advances has positive impacts in the form of increased social solidarity, empathy, and a sense of responsibility, although it has the potential to pose risks such as late payments and cash flow disruptions. From an Islamic economic perspective, cash advances are included in the contract of sale. Qardh hasan, which reflects ta’awun (please help), and ukhwah (brotherhood) without any element of usury. Furthermore, cash advances serve as a medium for character education by instilling the values ​​of honesty, discipline, and responsibility. The cash advance system in madrasas is a form of local adaptation to the limitations of digitalization and a reflection of local wisdom that balances traditional values ​​with the demands of modernity.

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