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Adin Fadilah
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INDONESIA
Wadiah: Jurnal Perbankan Syariah
Published by Universitas Islam Negeri Syekh Wasil Kediri
ISSN : 25991515     EISSN : 27769569     DOI : https://doi.org/10.30762/wadiah
Core Subject :
Wadiah: Jurnal Perbankan Syariah is an research journal in the scope of Islamic Banking published by Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri. This academic journal serves as a platform for scholarly discussions in Islamic banking studies, following a rigorous peer-review process. It focuses on literatures and field studies, welcoming high-quality manuscripts in Bahasa Indonesia and English. The journal encourages diverse contributions from various academic traditions and viewpoints. The journal aims to facilitate global idea exchange, including scholars from the East and West, promoting interdisciplinary research. This journal is a forum for disseminating research results that are published periodically every six months in January and July. This Journal specializes in studying the theories and practices of islamic banking Studies and is intended to express original researches and current issues. This journal welcomes the contributions of scholars from related fields that consider the following general topics; Sharia Banking Islamic Finance; Sharia Cooperative (Koperasi); Non-Bank Islamic Financial Institutions; Islamic Microfinance Institution; Contract/ Agreement (Akad) in Islamic Banking; Contract/ Agreement (Akad) in Islamic Finance
Arjuna Subject : -
Articles 107 Documents
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Service Quality And Profit Sharing Perception On Loyalty With Satisfaction Mediation (Study Bank Syariah Indonesia Kcp Malang Sutoyo) Akhmad Syifa’ul Janan; Fani Firmansyah
WADIAH Vol. 9 No. 2 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i2.2026

Abstract

The purpose of this study is to determine the influence of service quality and profit sharing perception on loyalty by satisfaction mediation in Indonesian Islamic bank KCP Malang SutoyoThis study uses a quantitative method with a quantitative descriptive approach. Research sources use observation, interviews, documentation and cursors. The statistical data processing is SEM tools for Outer Model and Inner Model Measurement Analysis. The results of the study show that: 1) Service quality has a positive and significant effect on Customer Loyalty of Bank Syariah Indonesia KCP Malang Sutoyo due to good service quality factors such as: Reliability, Responsiveness, Assurance, Empathy, Tangibles. This factor greatly affects customers in assessing the quality of services for goods and services provided by the Bank, 2) Profit Sharing Reception Does Not Affect Bank Customer Loyalty Because the majority of customers do not know much about the profit sharing system in Indonesian Islamic banks, especially at KCP Malang Sutoyo, 3) Service Quality Has a Positive and Significant Effect on Customer Loyalty (Y) Through Satisfaction (Z) Case Study on Bank Customers with indicators of meeting expectations and always buying products, 4) Profit Sharing Perception has no effect on Customer Loyalty. This happened because the majority of Bank Syariah Indonesia KCP Malang Sutoyo customers used their savings in the wadiah contract, which of course there was no profit-sharing system in the contract  Kata Kunci: Influence, quality of Service, Perception of profit sharing, Satisfaction, and loyalty.
Decision Model Of Society In Choosing Islamic Banks (Case Study In Semarang Regency Society) Ayif Fathurrahman; Jyan Curnia Lestari
WADIAH Vol. 10 No. 1 (2026): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v10i1.2415

Abstract

The research entitled Analysis of Factors Influencing People's Decisions to Become Customers of Islamic Banks (Case Study in Semarang Regency Communities) aims to examine the influence of independent variables in the form of Location (X1), Facilities (X2), Service (X3), and Knowledge (X4) on the community's decision to become a customer of an Islamic bank with a case study in the people of Semarang Regency. The subjects in this study were the people of Semarang Regency aged 17-65 years who had become customers of Islamic banks. This research is a type of quantitative research with a sample of 139 respondents who were selected using a purposive sampling method. The data that has been obtained is then processed with the help of IBM SPSS 26.0. The analytical tool used is multiple linear regression. Based on the analysis that has been carried out, the results show that Location has a calculated T value of 4.069, Facilities has a calculated T value of 4.202, Services has a calculated T value of 3.289, and Knowledge has a calculated T value of 2.233. So it can be concluded that Location (X1), Facilities (X2), Service (X3), and Knowledge (X4) have a positive and significant influence on people's decisions to become customers of Islamic banks. Keywords: Location; Facility; Service; Knowledge, Islamic Bank
Pengaruh Risk Based Capital Terhadap Profitabilitas Pada Perusahaan Asuransi Jiwa Syariah Adin Fadilah; Mochamad Alvido Zakaria
WADIAH Vol. 9 No. 2 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i2.2431

Abstract

This study examines the impact of Risk Based Capital (RBC) on the profitability of Islamic life insurance companies in Indonesia. RBC is a key financial health indicator ensuring insurers can meet their obligations. Using a quantitative approach with panel data regression, the study finds that while RBC influences profitability, the effect is not significant. Other factors such as claim expenses and investment returns must be considered to enhance profitability.
Market Share Perbankan Syariah Di Indonesia : Analisis SWOT dan Strategi Pengembangan Heri Kuncoro Putro; Ahmad Syakur; Moh. Agus Sifa
WADIAH Vol. 10 No. 1 (2026): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v10i1.2595

Abstract

Sharia banking has been a significant influence on the Indonesian economy since 1992, but its growth remains very slow. This requires in-depth analysis to address these challenges. This study aims to determine the opportunities for market share development in Sharia banking in Indonesia through a SWOT analysis. The research method employed a descriptive qualitative approach, with data collected through case studies, literature reviews, observations, and interviews with relevant stakeholders. The results of this study examine four SWOT elements: five Strengths, five Weaknesses, four Opportunities, and four Threats, from Sharia banking business operations. The first market share development strategy, Strength–Opportunity (SO), yields three strategic points; the second, Weakness–Opportunity (WO), yields four strategic points; the third, Strength–Threat (ST), yields three strategic points; and the fourth, Weakness–Threat (WT), yields three strategic points. The implications of this research are to provide input on the market share development strategy of the Bojonegoro branch of Bank Syariah, strengthen Islamic financial literacy, and support the implementation of the roadmap for the development and strengthening of Indonesian Islamic banking 2023-2027. Keywords: Syariah Banking, SWOT Analysis, Marketshare
Ecological Ethics in Islamic Banks' Financial Statements and Their Impact on the Sustainable Economy Yopi Yudha Utama; Binti Mutafarida; Yuliani Yuliani; Ning Purnama Sariati
WADIAH Vol. 9 No. 2 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i2.2684

Abstract

This research aims to analyse the role of ecological ethics in the financial statements of Islamic banks and its implications for sustainable economic development. Building on the foundation of maqāṣid al-sharī‘ah, which emphasises justice, balance, and environmental protection, this research develops a conceptual framework that integrates stakeholder theory, the triple bottom line, and ESG principles within the context of Islamic finance. The method used is a qualitative-descriptive approach with a critical analysis of international and national literature, as well as the development of a conceptual model that explains the relationship between ecological accountability, reporting transparency, and economic stability. The research findings indicate that integrating ecological ethics into financial reports can strengthen the legitimacy of Islamic banks, increase investor confidence, and contribute significantly to the Sustainable Development Goals (SDGs). However, there is still a gap between formalistic reporting practices and the normative ideals of ecological ethics, which has the potential to lead to the risk of greenwashing. This research recommends the need for more inclusive regulations regarding ecological aspects in Sharia reporting standards, as well as encouraging the strengthening of digital innovation for more accountable transparency. This finding enriches the literature on Islamic financial accountability and provides a basis for public policy in strengthening the role of Islamic banks in the sustainable economic ecosystem
Pengaruh Digitalisasi Terhadap Efisiensi Bank Syariah Dan Bank Konvensional di Indonesia Viras Alti Pidola; Arfah Arfah; Desmi Satriana; Shintiya Yuriska
WADIAH Vol. 10 No. 2 (2026): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v10i2.2869

Abstract

This study aims to examine the differences between the application of the interest-based system in conventional banks and the profit-sharing mechanism in Islamic banks in Riau Province during the 2019–2024 period. The distinction between the two systems is not only related to legal and Sharia principles but also includes the level of returns received by customers, the financial performance of banks, and the risk profile borne by the institutions. The research employs a quantitative approach with a comparative design, utilizing secondary data from annual financial reports and official publications of the Financial Services Authority (OJK), as well as primary data from the profit-sharing ratios (nisbah) of Bank Riau Kepri Syariah and the deposit interest rates of conventional banks operating in Riau. Data analysis was conducted using difference tests (t-test/Mann–Whitney) and panel regression to examine the effect of the return system on financial performance, measured through indicators such as Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM) or Net Margin Syariah, efficiency ratio (BOPO), and non-performing loan/financing ratios (NPL/NPF). The results are expected to reveal significant differences in the return levels and stability between Islamic and conventional banks, while also providing insights for regulators, banking practitioners, and the public in understanding the economic implications of these two systems.
Analisis Laporan Keuangan Dengan Metode Common Size Dalam Mengukur Kinerja Keuangan Pada BSI Periode 2024 M Fajar Rizky Heryanto; Anggoro Sugeng
WADIAH Vol. 10 No. 1 (2026): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v10i1.2879

Abstract

The large-scale withdrawal of funds by Muhammadiyah from Bank Syariah Indonesia in 2024 created liquidity pressure and raised concerns regarding the resilience of Islamic banking financial performance. This event not only affected short-term funding structures but also had the potential to influence public confidence and the sustainability of Islamic banking intermediation functions. This study aims to analyze the financial performance of Bank Syariah Indonesia (BSI) in the post-withdrawal period of 2024 using the common size method. The data were obtained from BSI’s quarterly financial statements for 2024 and analyzed using a descriptive quantitative approach. The results indicate that asset, liability, and equity components experienced fluctuations across quarters; however, BSI was able to maintain overall financial stability. Both the balance sheet and income statement exhibit relatively positive trends despite external pressures affecting the bank’s performance. The application of the common size method is proven to be effective in providing a comprehensive and objective overview of the bank’s financial condition. Keywords: Bank Syariah Indonesia, Common Size, Financial Performance
Peran Pembiayaan Syariah Dalam Mendukung Kelangsungan Usaha Mikro Kecil (Umk) Di Indonesia : Studi Fenomenologi Oktaria Ardika Putri
WADIAH Vol. 9 No. 2 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i2.2923

Abstract

This study aims to explore the role of Islamic financing in supporting the sustainability of Micro and Small Enterprises (MSEs) in Indonesia. This research uses a qualitative approach with a phenomenological method. Data was collected through in-depth interviews with ten MSE actors who are customers of Islamic banks in Kediri Regency. The results show that Islamic financing plays a role not only as a source of business capital but also as a means of spiritual peace for Muslim entrepreneurs. The principles of profit-sharing (mudhārabah and musyārakah) are considered more equitable, although they require a more complex process. Non-financial support such as business assistance and religious guidance from the bank strengthens this relationship. This research implies the need for increased financial literacy and simplification of sharia financing products to be more accessible to MSEs.
Perilaku Penggunaan Aplikasi BYOND by BSI Berdasarkan Model Unified Theory of Acceptance and Use of Technology (UTAUT) Rinda Sherliana; Yulfan Arif Nurohman
WADIAH Vol. 10 No. 1 (2026): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v10i1.2970

Abstract

This study aims to analyze the usage behavior of the Unified Theory of Acceptance and Use of Technology (UTAUT) based on the BYOND application by BSI. The research problem identifies the factors that play a role in the usage behavior of the BYOND application by BSI through the application of UTAUT, thereby facilitating customers' understanding of using the BYOND application by BSI. The objective of this study is to identify the factors of the Unified Theory of Acceptance and Use of Technology (UTAUT), such as performance expectancy, effort expectancy, social influence, facilitating conditions, and usage interest, in relation to the usage behavior of the BYOND application by BSI in Sukoharjo. The analysis method uses a quantitative approach, and in this study, the required analyses include measurement model evaluation (Outer Model), structural model evaluation (Inner Model), and hypothesis testing, with data processing performed using Smart PLS 3.2. The number of samples required in the study was 96 respondents. The analysis results showed that only social influence, facilitating conditions, and usage interest had a positive effect on usage behavior. Conversely, performance expectancy and effort expectancy have no influence on usage behavior. Kata Kunci : UTAUT, Mobile Banking Application, BYOND by BSI, Behavioral Intention
Stabilitas Bank Syariah Vs Bank Konvensional: Mana Yang Lebih Tangguh? Achmad Raihan Rafli; Aufar Fadlul Hady; Rachma Indrarini; Arva Athallah Susanto
WADIAH Vol. 10 No. 2 (2026): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v10i2.2998

Abstract

This study analyzes the comparison of stability between Islamic banks and conventional banks in Indonesia using the financial indicators CAR, NPF, FDR, and ROA for the period 2019-2024. This period was chosen because it is crucial for the banking sector. The approach used is a quantitative method using secondary data from the banks' annual financial statements. The sample was determined by targeted selection, resulting in 11 Islamic banks and 14 conventional banks being selected. The analysis was performed using a descriptive statistical approach and the Mann-Whitney test. The results show that Islamic banks are superior in terms of CAR and ROA, indicating better capital strength and profitability. However, conventional banks are superior in terms of NPF. In terms of liquidity, both types of banks are relatively balanced. The Mann-Whitney test confirmed significant differences in the CAR variable, but not in NPF, FDR, and ROA. These results have practical implications for bank management to strengthen risk management strategies. In addition, the research findings can serve as a reference for regulators and other stakeholders to formulate adaptive supervisory policies to maintain national financial stability.

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