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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
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Pengaruh perputaran modal kerja, pertumbuhan Penjualan dan perputaran persediaan terhadap Profitabilitas pada perusahaan yang terdaftar di Jakarta Islamic Index (JII) tahun 2019-2023 Fidyah Safitri; Rico Wijaya Z; Arfah Arfah
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.v6i1.1136

Abstract

This study aims to determine the effect of working capital turnover, sales growth, and inventory turnover on profitability in companies listed on the Jakarta Islamic Index (JII) for the 2019–2023 period. Profitability is an important indicator for measuring a company's financial performance, and this study was conducted to determine the extent to which operational efficiency affects profit achievement. The research method used was a quantitative approach with a purposive sampling technique. From the total population, 13 companies were selected that met the criteria during the observation period. The data used were secondary data in the form of annual financial reports analyzed using the Structural Equation Modeling Partial Least Square (SEM-PLS) method with the help of WarpPLS 8.0 software. The results showed that sales growth and inventory turnover significantly influenced profitability. This indicates that increased sales and inventory management efficiency can drive increased company profits. However, working capital turnover did not significantly influence profitability. These findings provide implications for management to focus more on strategies to increase sales and inventory efficiency to improve the company's financial performance.
Pengaruh Kinerja Keuangan Terhadap Harga Saham (Studi Empiris pada Perusahaan yang Terdaftar di Jakarta Islamic Index Tahun 2021-2024) Nur Hidayat; Agus Solikhin; Arfah .; Rico Wijaya Z
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.v6i1.1169

Abstract

This study aims to analyze the effect of Return on Assets (ROA), Current Ratio (CR), Debt to Equity Ratio (DER), and Total Asset Turnover (TATO) on the stock prices of companies listed on the Jakarta Islamic Index (JII) for the 2021–2024 period. This study uses secondary data in the form of annual financial reports obtained from the Indonesia Stock Exchange (IDX). The study population consists of 16 companies consistently listed on the JII during the study period. The sampling technique was carried out using a purposive sampling method, resulting in 64 observational data. The analysis method used is panel data regression with the help of the EViews 12 application. The Chow and Hausman tests indicate that the appropriate model is the Random Effect Model (REM). The results show that the ROA variable has a positive and significant effect on stock prices. Meanwhile, the CR, DER, and TATO variables do not have a significant effect on stock prices. The simultaneous test (F test) shows that ROA, CR, DER, and TATO together have a significant effect on JII stock prices.
Peramalan Produksi Kelapa Sawit di Provinsi Jambi dengan Menggunakan Pendekatan Model Box-Jenkins Sepitria Mardianti; Zulgani Zulgani; Yohannes Vyn Amzar
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.v6i1.1180

Abstract

Palm oil is one of the leading commodities in the plantation sector in Indonesia which plays a strategic role in driving national economic growth, rural development, and poverty alleviation. Indonesia has been a major producer of palm oil in the world since 2006, with Jambi Province as one of the largest producing regions. This study aims to analyze 1) how palm oil production develops in Jambi Province, 2) which ARIMA model is the most appropriate and accurate for forecasting palm oil production in Jambi Province for the next 5 years, 3) how the results of forecasting the amount of palm oil production in Jambi Province using the most effective model. The data used in this study is the annual time series data of palm oil production in Jambi Province for the period 1989 to 2023 sourced from the Central Statistics Agency of Jambi Province and the Plantation Office of Jambi Province. The results of this study indicate that the best Box-Jenkins model for forecasting palm oil production in Jambi Province is ARIMA (2,1,1) with an Akaike Information Criterion (AIC) value of 27.26197 and a Schwarz Information Criterion (SIC) of 27.48643 and a Hannan-Quinn Criterion (HC) of 27.33851, which states that the value of palm oil production has increased from 2024 to 2028 with an average growth in palm oil production during the forecasting period estimated at around 2.8% per year.
Telaah Prinsip Jual Beli dalam Perspektif Al Qur’an (Kajian Analisis Q.S. An Nisā’ Ayat 29): PRINSIP JUAL BELI DALAM AL QURAN (Kajian Ananlisis Q.S An-Nisa’ ayat 29) Dainuri Dainuri; Tika Diliana; Laila Murningsih Novrian Wakhidah
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.v5i2.1185

Abstract

One of the important muamalah activities in the daily lives of Muslims is buying and selling. Islam provides clear and strong guidelines regarding the principles to be followed in every transaction involving buying and selling, as outlined in the Quran and Hadith. The views of the commentators regarding buying and selling in Surah An-Nisa, verse 29, are interesting to examine. Why does Allah refer to the parable of the Arab society of ignorance in the past? It is possible that this parable represents a reality that exists and remains unchanged today. Therefore, it is crucial that Allah discusses buying and selling and its status. Buying and selling transactions truly play a vital role in human life. They provide a means for people to meet each other's needs. The existence of buying and selling activities also demonstrates that humans are social creatures who require the involvement of other humans to fulfill their needs. Nowadays, the buying and selling of goods in sacks is commonplace in society. This system, in which prospective buyers cannot directly inspect the condition and quality of the goods they wish to purchase, raises questions regarding their validity under Sharia law. The purpose of this study is to analyze the compliance of these transactions with the principles of Sharia law, particularly regarding the contract, honesty, and willingness of both parties.
Strengthening Pesantren Economic Development Through Kopontren Al-Fithrah Muhammad Syauqi
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.v5i2.1190

Abstract

This study aims to analyze the strategic role of Kopontren Al-Fithrah in strengthening the pesantren economy through the provision of Islamic financial services, professional business management, and a community-based empowerment model. Using a descriptive qualitative approach with a case study design, the research collected data through interviews, observations, and documentation to capture the economic dynamics within the pesantren environment. The findings reveal that Kopontren Al-Fithrah functions as the central driver of the pesantren’s economic ecosystem by expanding access to capital, creating business opportunities, and fostering an entrepreneurial culture among students and surrounding communities. Professionally managed business units contribute to the pesantren’s financial independence, while the cooperative’s impact is evident in the improved welfare of its members and the strengthening of socio-economic networks that support institutional sustainability. These results highlight the significant contribution of pesantren cooperatives in building a community-based economy that is adaptive, resilient, and competitive.
Larangan Riba dan Relevansinya terhadap Praktik Keuangan Syari’ah Indonesia Menurut Tafsir Qs. Al-Baqoroh Siti Nur Julianti; Rizka Mahardika; Chofifah Wahyu Hidayah
Journal of Islamic Banking Vol. 6 No. 2 (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.v6i2.1226

Abstract

This study aims to analyze the concept of the prohibition of riba in QS. Al-Baqarah verses 275–279 and examine its relevance to the practice of Islamic finance in Indonesia. The focus of the study is directed toward understanding the meaning of riba according to classical and contemporary tafsir scholars, the theological foundation of its prohibition, and the implementation of anti-riba principles within the modern Islamic financial system. The research also seeks to explain how Qur’anic values are translated into regulations, financial products, and operational mechanisms of Islamic financial institutions in Indonesia. The research employs a qualitative library-based method. Data were collected through the review of Qur’anic verses, classical and modern tafsir works, Islamic economic literature, and Islamic finance regulations such as DSN-MUI fatwas and OJK guidelines. The data were analyzed using a descriptive-analytical approach to identify the relationship between the concept of riba prohibition and the practices of Islamic finance. The findings indicate that riba is understood as an additional charge required beyond the loan principal without productive activity, which leads to injustice and exploitation. Tafsir scholars affirm that the prohibition of riba aims to uphold economic balance and fairness. The study also reveals that anti-riba principles have been practically implemented in Indonesia’s Islamic financial system through the use of permissible contractual structures, profit-sharing mechanisms, asset-based financing, and Islamic capital market instruments such as sukuk. The study concludes that the prohibition of riba is not only theological in nature but also highly relevant in practice. These Qur’anic principles have successfully become the foundation for the development of a more just, transparent, and welfare-oriented Islamic financial system
Pengaruh Literasi Keuangan Digital Dan Kondisi Sosial Ekonomi Orang Tua Terhadap Pengeluaran Konsumsi Mahasiswa (Studi Kasus Mahasiswa Generasi Z Di Kota Jambi) Muhammad Irgiansyah; Zamzami .; Jaya Kusuma Edy
Journal of Islamic Banking Vol. 6 No. 2 (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.v6i2.1240

Abstract

The development of e-wallets, mobile banking, fintech, and paylater features facilitate transactions and expand consumption choices for Generation Z students. This study aims to (1) describe the socioeconomic characteristics of parents of Generation Z students in Jambi City, (2) analyze the influence of digital financial literacy on student consumption expenditure, and (3) examine the influence of parents' socioeconomic conditions on student consumption expenditure. The study used a quantitative approach with a survey method and primary data through questionnaires on 156 respondents. The variables of digital financial literacy (X1) and parents' socioeconomic conditions (X2) were measured using the Guttman scale (1/0), while student consumption expenditure (Y) was measured on a ratio scale. The analysis was carried out through validity tests, reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and coefficients of determination. The results showed that digital financial literacy had a positive and significant effect on student consumption expenditure, while parents' socioeconomic conditions did not have a significant effect partially. However, both variables simultaneously had a significant effect on consumption expenditure with a very high model explanatory power. This finding confirms that in the context of Generation Z students, the intensity and ease of digital transactions are more dominant factors in explaining variations in spending than family background
Analisis Disiplin Kerja Pegawai Pada Badan Riset Dan Inovasi Daerah Provinsi Jambi Eka Wahyu Permadi; Zulfina Andriani; Try Syeftiani
Journal of Islamic Banking Vol. 6 No. 2 (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.v6i2.1242

Abstract

This study aims to analyze the implementation of employee work discipline at the Regional Research and Innovation Agency (BRIDA) of Jambi Province. This study uses a qualitative approach with descriptive methods. Data collection techniques were carried out through observation, interviews, and documentation with informants consisting of leaders and employees of BRIDA Jambi Province. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions, as well as data validity testing using source triangulation. The results of the study indicate that employee work discipline at BRIDA Jambi Province is quite good, but not yet fully optimal. This is evident from several indicators of work discipline, namely attendance, compliance with work regulations, compliance with work standards, level of alertness, and work ethics. There are still employees who arrive late, leave after work hours, and do not comply with established regulations and procedures. However, some employees have demonstrated a fairly good work ethic and responsibility in carrying out their duties. Therefore, it is necessary to strengthen inherent supervision (WASKAT), firm leadership, and continuous coaching to improve employee work discipline at BRIDA Jambi Province
Pengaruh Motivasi Dan Religiusitas Terhadap Kinerja Karyawan Pada Unit Usaha Syariah Bank 9 Jambi Kota Jambi Fadhlidzil Ikram; Lucky Enggrani Fitri; Ary Dean Amri
Journal of Islamic Banking Vol. 6 No. 2 (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.v6i2.1267

Abstract

This study aims to analyze the impact of motivation and religiosity on employee performance at the Unit Usaha Syariah Bank 9 Jambi. This research employs a quantitative approach with a survey method. Data was collected using a questionnaire distributed to 34 employees of the bank, measured using a Likert scale. The data analysis technique used is multiple linear regression. The results show that motivation has a significant positive effect on employee performance, with a regression coefficient of 0.364 and a significance level of 0.000. Similarly, religiosity has a significant positive effect on employee performance, with a regression coefficient of 0.481 and a significance level of 0.002. Simultaneously, both motivation and religiosity have a significant effect on employee performance, with an F-value of 18.431 (p < 0.05). These findings suggest that both motivation and religiosity play a crucial role in enhancing employee performance in the Islamic banking sector. It is recommended that Unit Usaha Syariah Bank 9 Jambi continue to consider motivation and religiosity in its managerial policies to improve employee performance. This research also opens opportunities for future studies to examine other factors influencing employee performance.
PENERAPAN AKAD RAHN TASJILY SEBAGI ALTERNATIF PEMBIAYAAN PADA PRODUK BAROKAH UMKM M Munim; indah tri kusuma; wahyu Qomariatul Khoiriyah
Journal of Islamic Banking Vol. 6 No. 2 (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.v6i2.1275

Abstract

In carrying out their activities, UMKM have many obstacles in accessing financing due to a lack of funding. BMT NU Singgahan Bangilan Branch offers a solution to these problems using the Rahn contract, but in its implementation there are problems related to customer negligence in fulfilling its obligations. This study aims to analyze the application of the rahn tasjily contract as an alternative to financing. This research uses a qualitative approach with a case study at BMT NU Singgahan Bangilan Branch. Data was collected through in-depth interviews with management and customers, participatory observations, and document analysis. The HSIL of this project is the application of the rahn tasjily contract on MSME barokah products that have succeeded in minimizing financing risks for BMT and providing easy access for MSME actors to get business capital without losing their assets. Customers are more responsible in paying off financing because the collateral remains in the control of BMT. Kywords: akad rahn tasjiliy, barokah products of UMKM

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