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Contact Name
Ajeng Pipit Fitriani
Contact Email
falahiya@iainponorogo.ac.id
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085730471755
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falahiya@iainponorogo.ac.id
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Faculty of Economics and Islamic Business IAIN Ponorogo Campus II, Jenangan, Ponorogo, East Java, Indonesia 63492
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Kab. ponorogo,
Jawa timur
INDONESIA
Falahiya
Published by Institut Agama Islam Negeri Ponorogo
ISSN : 29649811     EISSN : 29648130     DOI : https://doi.org/10.21154/falahiya
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Falahiya: Research Journal of Islamic Banking and Finance is a journal published by the Islamic Banking Department of the Faculty of Islamic Economics and Business, IAIN Ponorogo. The scope of the journal is scientific papers by students or collaborations between students and lecturers in the field of Islamic finance and banking. It is published twice a year in the months of June and December. The publication process is carried out through a peer-review process in accordance with scientific publication standards. Incoming manuscripts are selected by the editorial board and evaluated by expert partners.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 9 Documents
 1 
Search results for , issue "Vol. 4 No. 2 (2025)" : 9 Documents clear
Error Correction Model Approach for Problematic Financing Analysis at BPRS Lantabur Tebuireng for the 2020-2024 Period Yusron Fikri Nurwakhid; Ika Septiana Windi Antari
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.4685

Abstract

Introduction: This study is a quantitative study that aims to determine the effect of BOPO, CR and CAR on Non-Performing Financing (NPF). The analysis technique used in this study is the Error Correction Model (ECM) with a significance level of 5%. Research Methods: This data collection method is in the form of secondary data, namely the quarterly financial report data of BPRS Lantabur Tebuireng for the 2020-2024 period from the NPF variable obtained from the official OJK website. Results: The results of this study indicate that BOPO in the short term has no effect on NPF, while in the long term it has an effect on NPF. CR in the short term has no effect on NPF, while in the long term, it has an effect on NPF. CAR in the short term and long term has no effect on NPF. Conclusion: BOPO, FDR, and CAR simultaneously in the short term have no significant effect on NPF, while in the long term, they have a significant effect on NPF.
Pengaruh DPK, BOPO, dan Jumlah Kantor Terhadap Market Share Pada Bank Umum Syariah Periode Tahun 2021-2024 Nadila Tri Yuliana; Mun Yah Zahiroh
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.4704

Abstract

Analysis of the Influence of Financial Performance on BPRS Market Share 2019-2024 Caecilia Oktavia Septiana Putri; M.Thoha Ainun Najib
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.4772

Abstract

Introduction: Indonesia’s economic development is closely related to the performance of the banking sector, particularly BPRS. Market share is an important indicator of BPRS success and is influenced by internal financial performance factors such as ROA, CAR, BOPO, NPF, and FDR. However, empirical data show fluctuating trends and previous studies report mixed results, highlighting the need for further research on the relationship between financial performance and market share. Research Methods: This study employs a quantitative associative approach using quarterly secondary data from BPRS financial reports for the period 2019–2024 to examine the effect of ROA, CAR, BOPO, NPF, and FDR on market share. Results: The results show that ROA, BOPO, and FDR have a significant partial effect on market share, while CAR and NPF do not. Simultaneously, all variables significantly influence the BPRS market share. Conclusion: The study concludes that BPRS market share is strongly influenced by internal financial performance, particularly ROA, BOPO, and FDR, indicating that improving efficiency and intermediation performance is essential to enhance market share.
UIN Ponorogo Students’ Preferences in Using BSI Mobile Application Services Misbahul Lucky Keysa Setiawan; Iza Hanifuddin
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.4887

Abstract

Introduction: This study investigates the preferences of UIN Ponorogo students in using the BSI Mobile application, a digital service from Bank Syariah Indonesia. The increasing relevance of mobile banking in students’ daily financial transactions highlights the importance of understanding user preferences and satisfaction. Research Methods: The research employed a qualitative field study approach. Data were collected through questionnaires from 40 respondents and in-depth interviews with 12 students across various faculties. Results: The findings reveal that most students are satisfied with the convenience and practical features of BSI Mobile, such as interbank transfers, bill payments, and mobile top-ups. However, some users expressed concerns regarding incomplete features and technical issues. Key factors influencing preferences include ease of access, compliance with Islamic principles, and peer recommendations. BSI Mobile significantly contributes to fulfilling students’ banking needs. Nevertheless, improvements are still needed, particularly in application reliability and feature enhancements. Conclusion: These insights are expected to guide the development of more user-centric, Sharia-compliant mobile banking services.
The Influence of Sharia Financial Literacy, Risk Tolerance, and Financial Attitudes on Sharia Investment Decisions Erick Nathaniela Watiningtiyas; Amrul Hinung Prihamayu
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.5131

Abstract

Introduction: This study explores how Islamic financial literacy, risk tolerance, and financial attitude affect Islamic investment decisions. Despite growing interest in sharia-compliant finance, actual participation remains low. This gap highlights the importance of understanding the behavioural factors that influence Muslim investors. Research Methods: The research method employed a quantitative approach, involving a survey of 100 individual investors in Surabaya. Data were analysed using Partial Least Squares (PLS) with SmartPLS 3.2.9 to examine the relationship between the variables. Results: The analysis shows that Islamic financial literacy, risk tolerance, and financial attitude each have a positive and significant influence on Islamic investment decisions, supporting the behavioural finance perspective in a sharia context. Conclusion: The study concludes that Islamic financial literacy, risk tolerance, and financial attitude significantly influence Islamic investment decisions. These findings highlight the need to enhance financial education and awareness to boost participation in sharia-compliant investments.
The Influence of Product Quality, Service Quality, and Security on Generation Z Customer Loyalty After the Migration of BSI Mobile to Byond by BSI in Jabodetabek Hilmi Nisa; Endah Setyowati
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.5208

Abstract

Introduction: Digital transformation is a key strategy to increase customer loyalty. BSI migrated from BSI Mobile to Byond by BSI to improve services, but this change raises new challenges related to the perception and loyalty of Generation Z customers. Therefore, it is necessary to examine the response of Generation Z to the service migration. Research Methods: This type of research is quantitative with a comparative and associative approach. Data were obtained by distributing questionnaires to 97 respondents, namely Generation Z in Jabodetabek who use BSI Mobile and Byond by BSI. Results: The results of the study showed significant differences in product quality, service, security, and loyalty before and after migration to Byond by BSI, with a significance value of 0.000 <0.05. Partially, the three variables have a significant effect on customer loyalty, as well as simultaneously. The R² value of 0.534 indicates that 53.4% of the variation in customer loyalty is explained by the three variables. Conclusion: Improving digital quality through Byond by BSI has proven to have an impact on increasing the loyalty of Generation Z customers in the Jabodetabek area.
Marketing Strategies Implemented by the Sales Force in Promoting the Berkah Pension Financing Product at BSI KCP Kediri Gudang Garam Ajeng Custhya Wardani; Tiara Widya Antikasari; Na'ima Muhimmatul Fitria
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.5293

Abstract

Introduction: BSI KCP Kediri Gudang Garam faces challenges in introducing Pembiayaan Pensiun Berkah amid the dominance of conventional banks. This financing product targets retirees and prospective retirees, including civil servants, members of the Indonesian National Armed Forces, the Indonesian National Police, and widows of retirees, to meet post-retirement financial needs in accordance with Sharia principles. Research Methods: A descriptive qualitative approach was employed, using observation, interviews, and documentation as data collection techniques. Results: Customer education and personalized services are effective in increasing customer understanding and strengthening the bank’s Sharia-compliant image. However, the overall effectiveness of the strategy remains limited due to constraints in human resources and market coverage. Conclusion: Although the strategy contributes to customer loyalty, it has not significantly increased the number of customers. Strengthening sales force capacity and adopting a local-needs-based approach are therefore essential to optimize marketing performance.
The Effectiveness of Using BSI QRIS Mobile Payment as a Transaction Medium for MSMEs in Sawoo District Wulan Puspita Sari; Husna Ni'matul Ulya
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.5349

Abstract

Introduction: This paper examines the effectiveness of using QRIS BSI as a mobile payment medium for Micro, Small, and Medium Enterprises (MSMEs) in Sawoo District. The topic is important because digital transactions are increasingly essential for improving efficiency and competitiveness among small business actors in Indonesia. Research Methods: This study uses a qualitative descriptive approach with field research methods involving interviews, observations, and documentation. The analysis applies the Technology Acceptance Model (TAM) framework developed by Davis (1986), which includes indicators of usefulness, efficiency, adaptation barriers, and ease of use. Results: The findings show that QRIS BSI provides benefits in efficiency, safety, and modern business image, especially for younger users. However, older customers face limitations due to low digital literacy and unstable internet networks. Conclusion: QRIS BSI is generally effective in improving transaction efficiency and supporting Islamic financial practices, although further improvements in infrastructure and digital literacy are still required.
The The Influence of Islamic Corporate Governance, Sharia Compliance, and Internal Control on Fraud in Islamic Commercial Banks for the Period 2019-2023 Isna Imroatul Khusna; Maulida Nurhidayati
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.5448

Abstract

Introduction: The main issue is the fluctuation in the number of frauds in Islamic Commercial Banks from 2019-2023. Bank implements compliance with Sharia Compliance through measuring variables and governance with a composite value of 1-3. However, the existence of these components does not necessarily reduce fraud cases in each Islamic Commercial Bank. Research Methods: The ordinal logistic regression model was chosen as the analysis technique using SPSS 23 software as an analysis tool. Results: Sharia Supervisory Board variable has a positive but insignificant effect on fraud. While the Board of Commissioners variable has a positive effect and the Profit Sharing Ratio has a significant negative effect on fraud. Then, the Board of Directors variable has a negative but insignificant effect on fraud. Furthermore, the Directors' Employees Welfare Ratio and Internal Control variables have a positive but insignificant effect on fraud. Conclusion: The hope is that Islamic Commercial Banks will reduce the potential for fraud by strengthening Islamic Corporate Governance and Sharia Compliance.

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