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Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah.
Published by Institut Binamadani Indonesia
ISSN : 2621122X     EISSN : 26865998     DOI : https://doi.org/10.51476/madani
Core Subject : Economy,
Economics, Econometrics & Finance
Madani Syariah: Jurnal Pemikiran Perbankan Syariah diterbitkan oleh Program Studi Perbankan Syariah Institut Binamadani Indonesia. Bidang kajian jurnal ini mencakup: Pemikiran tentang perbankan syariah Sistem informasi perbankan syariah Manajemen risiko perbankan syariah Manajemen marketing perbankan syariah Manajemen lembaga keuangan syariah Etika keuangan syariah Sistem ekonomi Islam, dan lainnya.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 110 Documents
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EFEKTIVITAS SERVICE EXCELLENT DALAM MENINGKATKAN CUSTOMER BASED DI BSI wulan dari
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 1 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/madanisyariah.v9i1.942

Abstract

Penelitian ini bertujuan untuk menganalisis efektivitas implementasi service excellent terhadap pertumbuhan customer base di Bank Syariah Indonesia (BSI) Kantor Cabang Tangerang Hasyim Ashari. Dengan menggunakan pendekatan kualitatif deskriptif, penelitian ini mengeksplorasi sinergi antara manajemen, staf frontliner, dan persepsi nasabah dalam ekosistem pelayanan. Data dihimpun melalui observasi partisipatif, wawancara mendalam, dan studi dokumentasi, yang kemudian dianalisis menggunakan teknik reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian mengungkapkan bahwa implementasi service excellent yang mengintegrasikan nilai-nilai transendental (kejujuran, amanah, dan empati) secara signifikan meningkatkan kepuasan dan loyalitas nasabah. Dimensi pelayanan yang mencakup attitude, attention, action, ability, appearance, dan accountability menjadi determinan utama dalam penguatan citra institusi. Efektivitas strategi ini terjustifikasi melalui pertumbuhan signifikan pada parameter kuantitatif (jumlah rekening dan nasabah) serta parameter kualitatif (word of mouth). Penelitian ini merekomendasikan penguatan kapabilitas SDM dan akselerasi transformasi digital berbasis nilai Islami untuk menjaga keberlanjutan basis pelanggan di masa depan. Implementasi service excellent pada BSI KC Tangerang Hasyim Ashari terbukti efektif secara sistematis melalui integrasi tiga aspek strategis: people, process, dan physical evidence. Pendekatan pelayanan yang cepat, ramah, dan solutif yang berlandaskan prinsip syariah terbukti mampu menciptakan pengalaman nasabah yang positif (positive customer experience). Hal ini secara empiris berkontribusi pada peningkatan retensi nasabah sekaligus akselerasi akuisisi nasabah baru, yang memperkokoh posisi kompetitif bank dalam industri perbankan syariah.
QRIS BANK SYARIAH INDONESIA SEBAGAI STRATEGI PENINGKATAN PENJUALAN DI PT SINERGI BERKAH BERLIMPAH Mariya Ulpah; fachrurozi fachrurozi
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 1 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/madanisyariah.v9i1.954

Abstract

Penelitian ini membahas tentang implementasi sistem pembayaran Quick Respond Indonesia Standard (QRIS) Bank Syariah Indonesia di PT Sinergi Berkah Berlimpah Indonesia / Ulik Coffee. Metode yang digunakan adalah pendekatan deskriptif kualitatif, teknik pengumpulan data yang digunakan dalam penelitian ini yaitu berupa observasi, wawancara dengan pihak PT. Sinergi Berkah Berlimpah, dan dokumentasi. Dalam Penelitian ini ditemukan bahwa penerapan QRIS dilakukan dengan berbagai metode yang menjadi standar yaitu Merchant Presented Mode (MPM) Statis, Merchant Presented Mode (MPM) Dinamis dan Consumer Presented Mode (CPM). Penerapan QRIS memiliki berbagai manfaat bagi para pelaku bisnis khususnya terhadap peningkatan penjualan sebagai bentuk penyesuaian terhadap perkembangan teknologi dan kemajuan peradaban manusia. Penelitian ini menyimpulkan bahwa implementasi penggunaan QRIS di PT. Sinergi Berkah Berlimpah berjalan dengan baik dan sesuai dengan pedoman Bank Indonesia selaku regulator maupun Bank Syariah Indonesia selaku pengelola, disertai SOP perusahaan yang dilaksanakan dengan baik sehingga efektif dan efisien. QRIS tersebut juga berdampak positif terdapat peningkatan jumlah penjualan di Ulik Coffee and Eatery karena didukung oleh berbagai faktor yang relevan dengan penerapan sistem pembayaran QRIS Bank Syariah Indonesia di PT Sinergi Berkah Berlimpah.
Wakaf Tunai sebagai Alternatif Pembiayaan UMKM dalam Perspektif Maqāṣid al-Syarī‘ah Ali Makfud
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 1 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/madanisyariah.v9i1.955

Abstract

Wakaf tunai merupakan salah satu instrumen keuangan sosial Islam yang memiliki potensi besar dalam mendukung pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM), khususnya dalam mengatasi keterbatasan akses pembiayaan yang adil dan berkelanjutan. Penelitian ini bertujuan untuk menganalisis wakaf tunai sebagai alternatif model pembiayaan UMKM dalam perspektif maqāṣid al-syarī‘ah. Penelitian ini menggunakan pendekatan kualitatif normatif dengan menelaah berbagai literatur klasik dan kontemporer terkait wakaf, ekonomi Islam, dan teori maqāṣid untuk mengkaji relevansi dan rasionalitas wakaf tunai dalam pembiayaan UMKM. Hasil kajian menunjukkan bahwa wakaf tunai, apabila dikelola secara produktif dan profesional, dapat berfungsi sebagai instrumen pembiayaan inklusif yang bebas riba dan mendukung keberlanjutan UMKM. Dalam perspektif maqāṣid al-syarī‘ah, wakaf tunai berkontribusi terhadap perlindungan harta (ḥifẓ al-māl), perlindungan jiwa (ḥifẓ al-nafs), serta pencapaian kemaslahatan umum (maṣlaḥah ‘āmmah). Selain itu, pendekatan maqāṣid yang bersifat sistemik menegaskan bahwa efektivitas pembiayaan wakaf tunai tidak hanya ditentukan oleh kepatuhan hukum, tetapi juga oleh dampak sosial, ekonomi, dan kelembagaan yang dihasilkan. Penelitian ini menyimpulkan bahwa integrasi wakaf tunai dalam pembiayaan UMKM merupakan solusi strategis dan berkelanjutan dalam sistem ekonomi Islam. Penguatan tata kelola, dukungan regulasi, dan kapasitas kelembagaan menjadi faktor kunci dalam memaksimalkan peran wakaf tunai bagi pembangunan ekonomi yang adil dan berkelanjutan.
PENGARUH KUALITAS LAYANAN, SOSIALISASI, DAN TRANSPARANSI TERHADAP KEPUASAN MUZAKKI DALAM MENYALURKAN ZAKAT MELALUI BAZNAS DKI JAKARTA Mohammad Lutfi
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 1 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/madanisyariah.v9i1.975

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan, sosialisasi, dan transparansi terhadap kepuasan muzakki dalam menyalurkan zakat di BAZNAS DKI Jakarta. Pendekatan kuantitatif digunakan dengan metode survei yang melibatkan 140 responden yang berzakat di BAZNAS DKI Jakarta. Teknik analisis data dalam penelitian ini menggunakan aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa ketiga variabel independen tersebut (kualitas layanan, sosialisasi, dan transparansi) berpengaruh positif dan signifikan terhadap kepuasan muzakki dalam menyalurkan zakatnya. Secara simultan, ketiga variabel tersebut menunjukkan kemampuan prediksi model berada pada tingkat sedang. Temuan ini mengindikasikan bahwa upaya peningkatan layanan, intensitas sosialisasi, dan praktik transparansi merupakan kunci untuk membangun kepercayaan dan kepuasan muzakki terhadap lembaga amil zakat resmi. Kata kunci: Kualitas layanan, Sosialisasi, Transparansi, Kepuasan muzakki dalam menyalurkan zakat, BAZNAS
ANALYSIS OF GREEN BANKING, DIGITAL INNOVATION, AND CORPORATE SOCIAL RESPONSIBILITY TOWARDS SUSTAINABILITY PERFORMANCE OF SHARIA WITH CUSTOMER SATISFACTION AS A MEDIATION VARIABLE Maritsa Cepti Andini; Muhammad Iqbal Fasa
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 2 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/pmjdbj51

Abstract

This study aims to analyze the influence of Green Banking, Digital Innovation, and Corporate Social Responsibility (CSR) on the Sustainability Performance of Islamic banking, with Customer Satisfaction as a mediating variable. This research adopts a Systematic Literature Review (SLR) approach by analyzing 29 relevant studies published between 2020 and 2025. Data sources were obtained from reputable international journals indexed in academic database such as Scopus and Google Scholar. The findings indicate that green banking, digital innovation, and CSR each have a significant positive effect on the sustainability performance of islamic banks. Furthermore, customer satisfaction was found to mediate the relationship between these three variables and sustainability performance. This study contributes strategically to the development of islamic banking oriented toward sustainability, digital innovation, and social responsibility
ANALYSIS OF GREEN BANKING, LEVEL OF FINANCIAL LITERACY, AND ENVIRONMENTAL AWARENESS TOWARDS CUSTOMER LOYALTY OF SYARIAH BANKS WITH CUSTOMER SATISFACTION AS A MEDIATION VARIABLE Najwa Syafira; Muhammad Iqbal Fasa
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 2 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/rga2g671

Abstract

The shifting business paradigm demands that the Islamic banking industry focus not only on profitability but also on actively contributing to ecosystem sustainability through the adoption of green banking practices. Furthermore, internal customer factors, such as financial literacy and ecological sensitivity, are crucial determinants in responding to the sustainability values ​​offered by banking institutions. This study aims to analyze the conceptual framework linking green banking implementation, financial literacy, and environmental awareness to Islamic bank customer loyalty, with customer satisfaction as a mediating variable. Using a structured Systematic Literature Review (SLR) approach, a comprehensive search of scientific articles was conducted in the Scopus and Google Scholar databases covering publications from 2021–2026. After rigorous screening based on inclusion and exclusion criteria, 45 final articles were selected and synthesized using qualitative descriptive methods. The results of the synthesis indicate that green banking, financial literacy, and environmental awareness have a partial positive and significant effect on customer loyalty. Furthermore, customer satisfaction has been consistently shown to act as a mediator, bridging the three independent variables in strengthening long-term loyalty. Aligning personal ecological values ​​with a bank's green commitment is a key catalyst in creating a satisfying banking experience. As a practical implication, Islamic bank management is recommended to authentically integrate green principles into daily operations, expand Sharia-compliant financial education, and transparently communicate environmental initiatives to optimize customer engagement.
KONTROVERSI BIAYA TINGGI PADA BANK SYARIAH: EVALUASI EFEKTIVITAS REGULASI DALAM MEWUJUDKAN PRINSIP KEADILAN EKONOMI Halim Prasetyo; Arief Hastata Kusuma; Rhaikha Luthfi Nurdiansyah; Muhammad Ibnu Basyuni
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 2 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/p86p3e08

Abstract

The development of Islamic banking in Indonesia has shown significant growth as a financial system based on the principles of justice, transparency, and the prohibition of riba. However, controversy has emerged regarding the perception that costs in Islamic banks are relatively high, including financing margins, administrative fees, and other service charges compared to conventional banks. This condition raises questions about the consistency of Islamic banking operational practices with the principles of economic justice in Islam. This study aims to analyze the phenomenon of high costs in Islamic banking and to evaluate the effectiveness of regulations in realizing the principle of economic justice. The method used is a literature study with a normative approach through the analysis of Islamic economic literature and Islamic banking regulations. The results indicate that high costs are influenced by operational efficiency, limited economies of scale, sharia compliance requirements, and the risk structure of financing. Existing regulations have addressed cost transparency and consumer protection, but their implementation still needs to be optimized to ensure that the principle of economic justice in Islamic banking can be realized effectively and sustainably.  
DETERMINAN KEPATUHAN PAJAK UMKM PASCA TRANSISI TARIF PAJAK FINAL BERBASIS DIGITALISASI: PERSPEKTIF EKONOMI ISLAM Chaerul Sani; Marina; Mutpita Sari
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 2 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/s87ba844

Abstract

This study aims to analyze and develop a conceptual framework regarding various determinants influencing tax compliance of Micro, Small, and Medium Enterprises (UMKM) after the transition period of changes to the Final Income Tax (PPh) tariff scheme amidst the massive implementation of digitalization of tax administration in Indonesia, while also examining it through an Islamic economics perspective. The research method applied in this study is library research with a descriptive-analytical approach through data collection techniques of documentation studies of primary regulations such as HPP Law No. 7 of 2021 and PP No. 55 of 2022, Islamic jurisprudence (fiqh muamalah) literature, as well as indexed secondary literature from 2020 to 2025. The results of the study indicate that tax compliance of UMKM after the tariff transition is not only influenced by economic risk calculations alone, but is consistently determined by four main factors: the level of comprehensive understanding of tax regulations, the quality of reliability and ease of use of digital tax systems (such as the Coretax System), perceptions of fairness that build trust in tax authorities, and the level of financial and tax literacy of the business actors themselves. Viewed from an Islamic economics perspective, these four determinants align with the principles of maslahah (public benefit), distributive justice ('adl), amanah (trustworthiness), and obedience to ulil amri (legitimate authority), so that UMKM tax compliance can also be understood as part of muamalah maliyah oriented toward maqashid syariah rather than a mere administrative obligation. In the proposed integrative model, the implementation of a digital tax system acts as a crucial moderating variable that can strengthen or weaken the relationship between internal determinants of business actors and their level of voluntary compliance, depending on the effectiveness of tax education and the equal distribution of digital infrastructure to overcome the digital divide that occurs among UMKM economic actors.
PERBANKAN SYARIAH DI INDONESIA ANTARA IDEALITAS DAN REALITAS: ANALISIS KESENJANGAN TEORI, REGULASI, DAN PRAKTIK BERBASIS MAQĀṢID AL-SHARĪ‘AH Ali Makfud
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 2 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/2c7bh350

Abstract

Islamic banking in Indonesia has developed within an increasingly comprehensive regulatory framework, particularly through Law Number 21 of 2008 on Islamic Banking, Law Number 4 of 2023 on Financial Sector Development and Strengthening, Financial Services Authority Regulation Number 2 of 2024 on Sharia Governance for Islamic Commercial Banks and Sharia Business Units, and the Roadmap for the Development and Strengthening of Indonesian Islamic Banking 2023–2027. Nevertheless, stronger legal and institutional frameworks do not necessarily indicate that the substantive objectives of Islamic law have been fully achieved in banking practices. This article examines the gap between the normative ideal of Islamic banking, regulatory construction, and actual practices through the framework of maqāṣid al-sharī‘ah. The study employs a normative-juridical method using conceptual, statutory, and policy approaches, supported by an extensive literature review. The findings indicate that Indonesia has made substantial progress in strengthening sharia governance and regulatory compliance. However, significant gaps remain between formal compliance and substantive realization of justice, public welfare, wealth protection, economic inclusion, and equitable distribution. These gaps are reflected in financing orientation, the dominance of debt-like financing instruments, information asymmetry, limited social-impact measurement, and the insufficient integration of maqāṣid into bank performance indicators. This article therefore proposes a conceptual reconstruction from sharia compliance toward maqāṣid compliance, in which Islamic banking performance is assessed not only by the legality of contracts and procedures but also by the extent to which banking activities generate measurable welfare for customers, society, and the national economy.
EFEKTIFITAS DIGITALISASI PENGHIMPUNAN ZAKAT DALAM MENINGKATKAN KEPATUHAN MUZAKI DI INDONESIA Sri Ramdhayanti; Abdul Rachman; Hendra Kholid; Nadjematul Faizah
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 9 No 2 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/ntmxy727

Abstract

The digitalization of zakat management has become one of the strategies adopted by zakat management institutions to enhance the effectiveness of fund collection and encourage greater compliance among muzaki in fulfilling their zakat obligations. This article aims to analyze the effectiveness of digital zakat collection in improving muzaki compliance in Indonesia. The study employs a qualitative method with a library research approach, drawing upon various scholarly publications, reports from zakat management institutions, relevant regulations, and publications discussing the development of digital-based zakat collection in Indonesia. The findings indicate that the digitalization of zakat collection through mobile applications, internet banking, digital wallets, QRIS, and integration with e-commerce platforms has significantly improved accessibility, transaction efficiency, transparency, and accountability in zakat fund management. These improvements in service quality contribute to increased public participation and higher levels of compliance among muzaki in channeling their zakat through authorized institutions. Nevertheless, the effectiveness of implementation still faces several challenges, including limited digital literacy among certain segments of society, data security risks, and disparities in technological access across regions. This study highlights the importance of strengthening digital zakat governance through the optimization of technological innovation, enhancement of information system security, and continuous public education to expand the muzaki base and maximize the potential of national zakat collection. The findings are expected to serve as a reference for zakat management institutions and policymakers in formulating more effective and inclusive digital transformation strategies.

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