cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
M MUNIM
Contact Email
uaimunim@gmail.com
Phone
+6285346313262
Journal Mail Official
uaimunim@gmail.com
Editorial Address
Jl. PP Al Hikmah Binangun, Singgahan, Tuban, East Java, Indonesia
Location
Kab. tuban,
Jawa timur
INDONESIA
Journal of Islamic Banking
Published by Universitas Al-Hikmah Indonesia
ISSN : 27237907     EISSN : 27237885     DOI : 10.35896
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Islamic Banking is a periodical scientific journal managed and published by Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Al Hikmah Indonesia This journal specializes in the study of Islamic banking The manager welcomes contributions in the form of articles from scientists scholars professionals and researchers related to Islamic Banking studies The article will be published after going through the mechanism of selection of the manuscript review of free partners and editing process All articles published are the views and are the responsibility of the author and do not represent this journal or the authors affiliated body The Journal of Islamic Banking is published twice a year in June and December
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 60 Documents
 2   3   4   5   6 
Analisis Fluktuasi Keuntungan Mitra Bisnis Franchise Ayam Geprek Sa'i dengan Sistem Persentase: Pendekatan dari Aspek Manajemen Pemasaran Syariah Moh. Agus Sifa'; Moch. Zaenal Azis Muctharom
Journal of Islamic Banking Vol. 4 No. 1 (2023): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

ABSTRACT This research focuses on analyzing the process of purchasing a cooperation license and the implementation of the mudarabah agreement in the fluctuation of profit sharing between Geprek Sa'i franchisers and business partners. In purchasing the Ayam Geprek Sa'i franchise business license, the business partner includes initial capital of IDR. 350,000,000, including renovation of premises, equipment, supplies and use of the name Ayam Geprek Sa'i license. The mudarabah agreement is implemented with this initial capital, and the distribution of profits is carried out based on revenue sharing. In this system, 70% of the net profit income is given to the franchiser, while 30% is given to the business partner. This process is explained through ijab qabul, where the business partner can make an initial payment and provide a place, then confirm with the franchiser. Fluctuations in the Ayam Geprek Sa'i franchise business are influenced by location factors and raw material prices. The distribution of profits is based on net profit income for one month, and the distribution percentage refers to revenue sharing, namely 70% for franchisers and 30% for business partners. This research takes a qualitative descriptive approach to explain the process and application of mudarabah contracts in the context of sharia economic law.
BENTUK PASAR DALAM TEORI EKONOMI MIKRO DAN EKONOMI MIKRO ISLAM Misbahul Khoir; Khozinul Ulum; Imam Wahyudhi
Journal of Islamic Banking Vol. 4 No. 2 (2023): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

A market is the meeting point of demand and supply to facilitate buying and selling transactions. Based on their structural forms, markets are categorized into two types: Perfect Competition and Imperfect Competition. Monopoly, as defined by anti-monopoly laws, involves the control of production, marketing of goods, and/or the use of specific services by a single business entity or a group of business entities. Oligopoly is a form of market competition dominated by a few producers or sellers within a specific geographical area. Monopolistic competition is characterized by numerous producers generating similar commodities with varying characteristics. Oligopsony refers to a market condition where only a few buyers face many sellers. The objective of this journal is to impart knowledge to readers regarding the various forms of markets.
Kompetisi Pasar Dan Transaksi Di Era Globalisasi Kholishudin Kholishudin
Journal of Islamic Banking Vol. 4 No. 2 (2023): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

In the era of globalization, market development is becoming more complex and dynamic with the existence of information technology that allows companies to enter the global market. This study aims to analyze the factors that can affect the market and competitive rank, as well as the relationship between the two. The research method used in this research is a literature study with a qualitative approach. Data sources in this study are from various reading sources such as books, journals and literature related to the research topic. The results showed that information technology, globalization, government regulation, and consumer behavior are the main factors for the formation of markets and competitive spaces. Case studies in the smartphone industry such as Samsung, Apple, and Xiaomi show that using the right strategy allows companies to achieve significant competitive advantages. In conclusion, the use of information technology, adapting to globalization, complying with regulations, and understanding consumer preferences are very important to increase market competitiveness.
Analisis Penentuan Ujrah Produk Gadai Emas di Perbankan Syariah (BSI Kantor Cabang Bangkalan) Nur Aini
Journal of Islamic Banking Vol. 5 No. 1 (2024): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Through fatwa number: 25/DSN-MUI/III/2002 issued by the National Sharia Council and the Indonesian Ulema Council on June 26, 2002, it is stated that the costs of maintaining and storing the collateral (Marhun) should not be determined based on the loan amount. However, in practice, the ujrah (rental fee) charged to customers changes according to the amount of the loan requested. This research aims to analyze the determination of ujrah on gold pawn products available in Islamic banking. The type of research used in this study is qualitative research, which analyzes and describes how the ujrah for gold pawn products in Islamic banking is actually determined. Data collection techniques employed include case study and interview methods. Data analysis uses qualitative data analysis, which involves systematically searching and organizing the data obtained from case study, drawing conclusions, and finally conducting a data credibility test. This study concludes that the determination of ujrah for gold pawn products in Islamic banking, specifically at BSI Syariah, is based on the loan amount. The ujrah costs for pawn loans are as follows: for loans of IDR 500,000 – IDR 20,000,000: 1.8% of financing; for loans of IDR 20,000,000 – IDR 100,000,000: 1.5% of financing; for loans exceeding IDR 100,000,000: 1.1% of financing. The larger the loan amount, the smaller the ujrah that the customer has to pay.
THE EFFECT OF SERVICE QUALITY ON CUSTOMER SATISFACTION IN TEH POCHI INDONESIA Akbar Jaya
Journal of Islamic Banking Vol. 5 No. 1 (2024): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study investigates the impact of service quality on customer satisfaction at Teh Pochi. The research sample consists of 83 customers of Teh Pochi who have made repeat purchases, selected through an accidental sampling method. Data were gathered using a questionnaire designed with a Likert scale to measure responses. The analysis was conducted using a simple regression analysis method via the SPSS 16 application. The findings from the t-test reveal that service quality significantly influences customer satisfaction, with a significance value of 0.000, which is less than the threshold of 0.05. This indicates a strong statistical relationship between the two variables. Furthermore, the coefficient of determination test results in an R Square value of 0.485, suggesting that 48.5% of the variation in customer satisfaction can be attributed to service quality. The remaining 51.5% is influenced by other factors not examined in this study. These results underscore the importance of maintaining high service quality to enhance customer satisfaction, while also indicating that other variables should be explored to fully understand the drivers of customer satisfaction at Teh Pochi.
MOBILE APPLICATION FOR ZAKAT, INFAK, AND SADAQAH BASED ON SHARIA ECONOMICS Siti Alwya Syarif
Journal of Islamic Banking Vol. 5 No. 1 (2024): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The research method used in this study is a qualitative approach with a case study method. The primary goal is to deeply understand the experiences and perceptions of users towards a mobile application designed for the management of zakat, infak, and sadaqah based on Sharia economics. Primary data were collected through a series of in-depth interviews with users of the application and zakat managers at various Islamic financial institutions. Respondents were selected using purposive sampling techniques to obtain a rich variety of perspectives from individuals who have direct experience with the application. Additionally, document analysis was conducted to gather secondary data including promotional materials for the application, financial reports of zakat institutions, and online publications related to the use of technology in the distribution of zakat and sadaqah. Data analysis was performed using thematic coding techniques, where collected data were organized and analyzed to identify major themes and emerging patterns. This study emphasizes strict research ethics by ensuring the confidentiality and anonymity of all respondents. The results of this study are expected to provide valuable insights regarding the effectiveness and impact of using mobile applications to enhance the practices of zakat, infak, and sadaqah among the Muslim community.
THE IMPACT OF A CONSUMPTIVE LIFESTYLE ON THE ECONOMIC STABILITY OF MILLENNIALS Agus Wahyu Irawan; Misbahul Khoir
Journal of Islamic Banking Vol. 5 No. 2 (2024): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Millennials, as a dominant demographic group in the global economy, are significantly influenced by modern consumerist tendencies. This study explores the impact of a consumptive lifestyle on the economic stability of millennials, focusing on their financial management, saving patterns, and long-term economic security. The research highlights that the pervasive influence of social media, advertising, and peer pressure has exacerbated impulsive spending habits, reducing the financial resilience of millennials. By analyzing various factors, such as income levels, debt accumulation, and investment preferences, the study uncovers the challenges faced by millennials in achieving sustainable financial growth. Furthermore, the findings emphasize the need for effective financial literacy programs to counteract the negative effects of consumerism, enabling millennials to make informed financial decisions. This study concludes by recommending practical strategies to balance lifestyle aspirations with economic stability, aiming to foster a more sustainable approach to personal finance among millennials.
Restrukturisasi Produk Pembiayaan Musharakah Mutanaqishah Di Bank Syariah Indonesia Dalam Etika Manajemen Koperasi Berbasis Syariah Moh Agus Sifa'; Shelvyna Rikantasari
Journal of Islamic Banking Vol. 5 No. 2 (2024): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v5i2.1024

Abstract

This study aims to examine the implementation of the restructuring of the musharakah mutana>qishah financing product at Bank Syariah Indonesia (BSI) Bojonegoro Branch from the perspective of Islamic economic law and to assess its compliance with Islamic principles in cooperative management. The method used is qualitative with a field study approach through interviews with internal BSI parties and financing customers. The results of the study indicate that the implementation of the musharakah mutanaqishah contract at BSI Bojonegoro Branch experienced a contract engineering (hilah), where the object of the transaction is an asset that was previously fully owned by the customer. This practice is not entirely in accordance with the original characteristics of the musharakah contract, and is more like a 'inah sale and purchase scheme according to the perspective of muamalah fiqh. In the context of Islamic economic law, the transaction can be considered valid if it meets the pillars and conditions of sale and purchase, as explained in the view of the Syafi'iyah school. This study recommends BSI to review the implementation of contracts to maintain sharia integrity in financing products and encourage innovation that is oriented towards the benefit and justice for all parties.
Strategi Manajemen Sumber Daya Manusia Berbasis Syariah untuk Meningkatkan Kinerja Karyawan di Lembaga Keuangan Syariah dalam Perspektif Al-Quran Moh Agus Sifa'; Heri Kuncoro Putro; M. Mun'im
Journal of Islamic Banking Vol. 6 No. 1 (2025): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v6i1.1025

Abstract

This article discusses sharia-based human resource management (HR) strategies which aim to improve employee performance in sharia financial institutions. Implementing HR management in accordance with Islamic principles is not only important for sharia compliance, but also for creating an ethical and productive work environment. Through analysis of various strategic elements, including recruitment and selection, training and development, performance appraisal, reward systems, and leadership, this article highlights the importance of integrating sharia values ​​in every aspect of HR management. By referring to verses of the Koran, such as QS. An-Nisa [4]: ​​58 which emphasizes trust and justice, QS. Al-Baqarah [2]: 261 which describes blessings in work, as well as QS. Al-Mulk [67]: 15 which encourages good work ethics, this article shows that the application of these principles can produce employees who are not only competent, but also have integrity. This research implies that sharia-based HR management strategies can make a significant contribution to the performance of sharia financial institutions, as well as their reputation in society.
Manajemen Resiko Pembiayaan Bank Syariah Indonesia : Tantangan dan Solusi Heri Kuncoro Putro; Andriani .; Moh Agus Sifa'
Journal of Islamic Banking Vol. 6 No. 1 (2025): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v6i1.1027

Abstract

Risk management in Islamic financial institutions should be a primary concern. Good risk management can help Islamic banks to identify, measure, manage, and control the risks faced. The study aims to find out more about the challenges faced and the solutions implemented by financial institutions, especially Islamic banking. The research method uses a descriptive qualitative method with data collection through case studies, literature reviews, observations and interviews with related parties. The results of the study show the challenges faced by Islamic banking in risk management in the form of: technology risk, digital security risk, liquidity risk and risk of compliance with Islamic financial principles. Solutions are needed to address the challenges faced, namely, first, implementing the Basel III standard risk management framework, AAOIFI standards and the specific needs of the Islamic fintech ecosystem. Second, providing training and educating human resources.

Page 5 of 6 | Total Record : 60

 2   3   4   5   6 

Filter by Year

2020 2025


Reset
Filter By Issues
All Issue Vol. 6 No. 2 (2025): Journal of Islamic Banking Vol. 6 No. 1 (2025): Journal of Islamic Banking Vol. 5 No. 2 (2024): Journal of Islamic Banking Vol. 5 No. 1 (2024): Journal of Islamic Banking Vol. 4 No. 2 (2023): Journal of Islamic Banking Vol. 4 No. 1 (2023): Journal of Islamic Banking Vol. 3 No. 2 (2022): Journal of Islamic Banking Vol. 3 No. 1 (2022): Journal of Islamic Banking Vol. 2 No. 2 (2021): Journal of Islamic Banking Vol. 2 No. 1 (2021): Journal of Islamic Banking Vol. 1 No. 2 (2020): Journal of Islamic Banking Vol. 1 No. 1 (2020): Journal of Islamic Banking More Issue