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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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Analisis Minat Mahasiswa Bekerja Pada Perbankan Syariah Pada Mahasiswa Jurusan Perbankan Syariah FEBI UIN SATU Tulungagung Tahun 2019/2020 Alfina Ramayanti
WADIAH Vol. 7 No. 1 (2023): 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.v7i1.275

Abstract

Minat mahasiswa merupakan kecenderungan mahasiswa dalam bekerja di perbankan syariah sesuai dengan minat mahasiswa itu sendiri. Bank syariah merupakan suatu lembaga keuangan yang menerapkan prinsip syariah sehingga terhindar dari riba, qharar, maysir haram dan zalim. Penelitian ini bertujuan untuk mengetahui minat mahasiswa untuk bekerja pada sektor perbankan syariah. Penelitian ini dilakuakan di Universiatas Islam Negeri Sayyid Ali Rahmatullah Tulungagung. Jenis penelitian yang digunakan adalah dengan metode penelitian kualitatif dengan jenis penelitian lapangan. Hasil dari penelitian ini adalah sebagian besar mahasiswa jurusan perbankan syariah berminat untuk bekerja di sektor perbankan perbankan syariah dan yang lainnya lebih memilih untuk bekerja diluar perbankan syariah seperti pada lembaga keuangan non bank, perusahaan, wiraswasta dan melanjutkan pendidikan S2.
Analisis Minat Nasabah Dalam Memilih Tabungan Wadiah Pada Bank Syariah Indonesia KCP Soetta Ponorogo Nanda Mutiara Hanum Susanto; Ratna Dewi Setyowati
WADIAH Vol. 7 No. 1 (2023): 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.v7i1.297

Abstract

Bank Syariah Indonesia merupakan bank syariah yang baru saja dibentuk dari hasil merger tiga bank BUMN. Produk- produk yang ditawarkan di Bank Syariah Indonesia merupakan akad yang berlandasakan prinsip syariah. Pada Bank Syariah Indonesia menawarkan dua jenis produk tabungan yaitu tabungan wadiah dan mudharabah. Produk tabungan wadiah ternyata banyak diminati oleh masyarakat khususnya Ponorogo. Selain itu juga pembuatan rekening tabungan yang mana masa pandemi Covid-19 mempengaruhi nasabah dalam membuka rekening. Penelitian ini bertujuan untuk mengetahui minat nasabah dalam memilih tabungan wadiah pada Bank Syariah Indonesia KCP Soetta Ponorogo serta mekanisme pembuatan rekening tabungan wadiah. Hasil penelitian ini menjelaskan tentang mekanisme pembuatan tabungan wadiah ada dua yaitu dengan datang langsung ke kantor atau secara online. Faktor minat dalam memilih tabungan wadiah ada dua yaitu secara internal dan eksternal. Faktor internal yang mempengaruhi minat nasabah terdiri dari faktor pribadi, religiusitas, pengetahuan dan keluarga, serta faktor eksternal diantaranya faktor pekerjaan, sosial dan budaya.
Determinan Keuntungan Bagi Hasil Dengan Penguatan Dana Pihak Ketiga Pada Bank Umum Syariah Widya Astuti; Muhammad Wahyuddin Abdullah; Trimulato
WADIAH Vol. 7 No. 1 (2023): 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.v7i1.303

Abstract

This study aims to describe the Determinants of Profit Sharing by Strengthening Third Party Funds at Islamic Commercial Banks in Indonesia. The population and sample used in this study are Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK) in 2015-2020. This research is a type of quantitative research using multiple linear regression analysis and moderated regression analysis (MRA). The source of data used in this research is secondary data, which has been presented by certain institutions. The data collection technique used was purposive sampling in determining the sample. The data analysis technique used is descriptive quantitative using the SPSS application. The results of the study state that mudharabah financing has a negative effect on profit sharing, musyarakah financing has a positive effect on profit sharing, ijarah financing has a positive effect on profit sharing, third party funds (DPK) cannot strengthen the effect of mudharabah financing on profit sharing, third party funds Third party funds (DPK) can strengthen the effect of musharaka financing on profit sharing, and third party funds (DPK) cannot strengthen the effect of ijarah financing on profit sharing.
Peran Model Kepemimpinan Karismatik Dalam Meningkatkan Kinerja Karyawan (Studi Pada Baitul Mal Wa Tamwil (BMT) Muamalah Tulungagung) Misbakhul Khaer Solihin; Ahmad Basuki
WADIAH Vol. 7 No. 1 (2023): 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.v7i1.309

Abstract

In conducting a sharia financial institution, especially Baitul Mal Wa Tamwil (BMT) the leader holds an important position in the organization. A leader has the power to make rules or policies that must be adhered to and implemented by subordinates or employees. In addition, the leadership model implemented by leaders can affect employee performance. Based on this background, a problem formulation can be taken related to the role of charismatic leadership models in improving employee performance at Baitul Mal Wa Tamwil (BMT) Muamalah Tulungagung and supporting factors and inhibitions in improving employee performance at Baitul Mal Wa Tamwil (BMT) Muamalah Tulungagung. The research that the authors conducted is included in qualitative research, included in the type of field research, and using a descriptive approach. The results of the research conducted by the author can be conveyed here that the charismatic leadership model is applied by the leader of Baitul Mal Wa Tamwil (BMT) Muamalah Tulungagung. have a role to play in improving employee performance. With the charisma that exists in the leader Baitul Mal Wa Tamwil (BMT) Muamalah Tulungagung can influence employees so as to encourage or motivate employees to carry out their duties and responsibilities well, and the performance of employees is increasing. The effectiveness of resources, motivation and work environment are supporting and inhibitory factors in improving employee performance at Baitul Mal Wa Tamwil (BMT) Muamalah Tulungagung.
Pengaruh Bauran Pemasaran (4P) Terhadap Minat Menggunakan Produk Tabungan Emas Pada Pegadaian Syariah Jauhara Zakiyah Iffah; Liza Fibrianti; Yuni Astuti
WADIAH Vol. 7 No. 2 (2023): 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.v7i2.310

Abstract

This research is aimed to analyze the influence of marketing mix (4P: Product, Place, Price, and Promotion) in using gold saving Product for Faculty of Economic and Business Islam (FEBI) students Raden Mas Said State Islamic University Surakarta. This research is descriptive quantitative. Questionnaires were distributed to 120 students of FEBI Raden Mas Said State Islamic University Surakart a . The data were tested validity with Confirmatory Factor Analysis (CFA) and reliability with Alpha Cronbach formula to test the of the research instrument. The hypothesis were analyzed by multiple regression analysis using SPSS version 23. This study found that the independent variables in this study simultaneously influenced the interest variable in using Gold Savings Products at Pegadaian Sharia. This study found that the marketing mix (4P), namely place, price, product and promotion, partially only product variables that did not affect the interest in saving gold.
Inovasi Dan Tantangan Perbankan Syariah Pada Era Digital Di Indonesia Januariansyah Arfaizar; Navirta Ayu; Fitri Riyanto; Yusdani Yusdani; Selamat Muliadi
WADIAH Vol. 7 No. 2 (2023): 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.v7i2.327

Abstract

Transactions in sharia banking are currently the people's choice because their products are based on sharia with an element of benefit. Currently is the momentum for Islamic banking to fix problems that occur in transactions to gain more public trust and develop the potential possessed by Islamic banking. This study aims to examine transactions in Islamic banking and their problems. By using qualitative research methods and types of literature study research. This study explains that transactions in Islamic banking have 5 rules, namely useful, fair, pleased, honest and pious. This study also found that in sharia banking transactions there were several internal problems in the form of inadequate human resources, sharia economic regulations, unsupportive facilities and infrastructure. Meanwhile, externally, not all people know about Islamic banking and its products.
Penerapan Artificial Intelligence Sebagai Inovasi Di Era Disrupsi Dalam Mengurangi Resiko Lembaga Keuangan Mikro Syariah Sulistyowati; Yayuk Sri Rahayu; Chifni Darun Naja
WADIAH Vol. 7 No. 2 (2023): 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.v7i2.329

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Artifial Intelligence (AI) di sektor perbankan dan peran AI dalam manajemen risiko lembaga keuangan mikro syariah. Penelitian ini merupakan penelitian kualitatif dengan menggunakan pendekatan studi pustaka, yang diperoleh dari beberapa sumber literatur berupa jurnal ilmiah, artikel, penelitian terdahulu maupun e-book terkait yang dimuat di media dengan kredibilitas jelas secara online. Data dianalisis menggunakan analisis deskriptif berkaitan dengan penerapan artifial intelligence pada manajemen risiko di bank secara menyeluruh, kemudian menyimpulkan hasil-hasil atas penelitian-penelitian tersebut. Penelitian ini menemukan bahwa perbankan termasuk ke dalam bidang yang dituntut untuk dapat menerapkan AI dengan maksimal, dikarenakan adanya persaingan yang sangat kompetitif. Selain itu, kami juga menemukan bahwa artificial intelligence yang berperan sebagai risk management, benar- benar dapat membantu lembaga keuangan mikro syariah untuk mengatasi dan meminimalisir permasalahan yang terjadi, sehingga dapat mengoptimalkan pendapatan dan mengurangi adanya kerugian. Saran bagi penelitian selanjutnya yaitu dapat melakukan pada industri lain yang terkait, dengan isi pembahasan yang lebih mendalam.
Akad-Akad Transaksi Perbankan Syariah Dalam Tinjauan Studi Hadits Sahudi Sahudi
WADIAH Vol. 8 No. 1 (2024): 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.v8i1.346

Abstract

This study aims to describe and analyze 1) contracts in Islamic banking, 2) hadith about contracts in Islamic banking transactions, 3) implementation of hadith in Islamic Banking transactions. The research method uses the interpretation research method, with a descriptive analysis method. The hadith studies used in this study are in the following arrangement: 1) hadith texts and sanad hadith, 2) translation of hadith, 3) brief biography of sanad / hadith scholar, 4) analysis of hadith, 5) implementation of hadith in Islamic Banking transactions. The results of the study 1) contracts in Islamic Banking transactions consist of a) Mudharabah, b) Musyarakah, c) Murabahah, d) Ijarah, e) Qard al Hasan, f) Wakalah, g) Kafalah; 2) In general, hadith in the context of Islamic banking transactions serves to show the validity of a contract and provide guidance in carrying out these transactions in sharia. The hadith is also evidence of the initial agreement between the parties involved in Islamic banking transactions and serves as a handle in resolving disputes in the event of a dispute between them; 3) In mudharabah and musyarakah agreements, banks and customers share risks and benefits with each other. It aims to encourage partnerships and cooperation in business, as well as minimize the risk of failure. In its application, Islamic banking follows islamic sharia rules and principles, including in determining profits and risks that must be shared fairly between banks and customers. 
Pengaruh Kualitas Produk Dan Biaya Administrasi Tabungan Easy Wadiah Terhadap Kepuasan Nasabah Bank Syariah Indonesia Niken Ayu Wulandari; Yunaita Rahmawati
WADIAH Vol. 7 No. 2 (2023): 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.v7i2.508

Abstract

A quality product will create its own essence for customers. That way if a company provides a product that exceeds the customer's wishes, the customer will be satisfied. In addition, customers will feel happy and comfortable if they are charged a light administration fee. So, customer satisfaction will increase if administration costs are low. This study aims to test and analyze the partial and simultaneous effect of product quality and administrative costs of easy wadiah savings on the satisfaction of SDIT Qurrota A'yun Ponorogo employees as customers of Bank Syariah Indonesia. The method used in this study is quantitative with probability sampling technique, namely the simple random sampling method and data collection through interviews and questionnaires. The variable testing tool uses SPSS version 22 software. The results obtained through SPSS version 22 show that partially the product quality of easy wadiah savings has an effect on employee satisfaction at SDIT Qurrota A'yun Ponorogo as a customer of Bank Syariah Indonesia and administrative costs of easy wadiah savings have no effect on SDIT Qurrota A'yun Ponorogo employee satisfaction as a customer of Bank Syariah Indonesia; while simultaneously product quality and administrative costs of easy wadiah savings affect the satisfaction of SDIT Qurrota A'yun Ponorogo employees as customers of Bank Syariah Indonesia.
Penerapan Manajemen Risiko Pembiayaan dalam Meningkatkan Profitabilitas Mundhori; Fira Isnaini
WADIAH Vol. 7 No. 2 (2023): 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.v7i2.529

Abstract

Baitul Maal wat Tamwil (BMT) has an intermediary function. BMT is also tasked with collecting funds from the community and returning it to the community in the form of funds. Procurement of funds for sales entails risks, so funding risk management is required to minimize the occurrence of risks that lead to losses. The study uses a qualitative approach with a kind of case study study, using methods of interviews, observations and documentation to obtain the desired data. Collected data is analyzed by reducing data, presenting data and drawing conclusions. Here are the results of this study: (1) BMT performs her two phases of risk management before the risk occurs and risk management when the risk occurs. (2) The above application by BMT is evidenced by the yearly increase in income.

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