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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
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Articles 107 Documents
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Pengaruh Fitur BSI Mobile Dan Kemudahan Bertransaksi Terhadap Kepuasan Nasabah Di BSI Kc Madiun Agus Salim Dewi Khotijah; Ratna Yunita
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.v8i1.565

Abstract

This research was conducted to analyze how the influence of mobile BSI features and the ease of transactions on customer satisfaction at BSI KC Madiun Agus Salim. The data in this study were collected by distributing questionnaires and the data was processed using SPSS 21 software with multiple linear regression analysis tests. The samples taken were 100 respondents with probability sampling technique. The results of the analysis show that the mobile BSI feature (X1) and ease of transaction (X2) have a positive and significant effect on customer satisfaction partially or simultaneously. Other results show that the variable that greatly influences customer satisfaction at BSI KC Madiun Agus Salim is the BSI mobile feature variable, meaning that the better the BSI mobile feature service is presented, the level of customer satisfaction is also increasing. Thus, companies must always strive to improve and bring innovative features to BSI mobile. Keywords: BSI Mobile Features, Ease of Transactions, and Customer Satisfaction
Pengaruh Islamic Corporate Social Responsibility (ICSR) Terhadap Kinerja Keuangan Perbankan Syariah Periode 2016-2022 (Studi Pada Bank Umum Syariah Menggunakan Index ISR) Elvin Nur Faradiz; Ririn Tri Puspita Ningrum; Mahfudhotin Mahfudhotin
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.v8i1.820

Abstract

Islamic Corporate Social Responsibility (ICSR) is a corporate social responsibility that must be carried out by the company where the company is established and will then be presented in the company's annual report. The formulation of the problem in this study is how is ICSR at Islamic Commercial Banks (BUS), how is Financial Performance at BUS. The results of this study based on the t test or hypothesis test obtained a probability value of 0.034,. The criteria for the t test are the probability value < 0.05. In the correlation analysis, a Pearson correlation value of -0.272 is obtained with a significant value of 0.034 <0.05, which means that there is a correlation between the Islamic Corporate Social Responsibility (X) variable and financial performance which is low and significant and a negative sign means the relationship is in the opposite direction, if ICSR increases, financial performance will decrease, and vice versa., it can be concluded that Ho is rejected and Ha is accepted, which means that there is a negative and significant effect of the ICSR variable on the financial performance of Islamic banking for the 2016-2022 period.
Efek Kompetitif Merger Bank Syariah Indonesia Terhadap Penyaluran Pembiayaan UMKM Dan Non-UMKM Anisa Fadilla
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.v8i1.993

Abstract

Bank Syariah Indonesia (BSI) is merged of three state-owned subsidiary Islamic banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia (BNI) Syariah, and Bank Rakyat Indonesia Syariah (BRIS). The merger of the three banks is expected to provide benefits, especially for the majority of Indonesian Muslims. In addition, it can also increase the value of the company by increasing profits both through raising funds and distributing financing. This study was conducted to examine the competitive effect of Bank Syariah Indonesia merger on the distribution of UMKM financing, non-UMKM financing, total financing. The bank's performance to be tested consists of market share, net trade cycle (NTC), investment, interest expense, and return on asset (ROA) in pre and post merger at Bank Syariah Indonesia. This study used 53 data, 5 bank data after the merger and 48 bank data before the merger to test the hypothesis whether there is an influence of market share, NTC, investment, ROA on UMKM financing, non-UMKM financing and total financing. The results showed that investment variables affect UMKM financing, non-UMKM financing and total financing while market share, NTC, interest expense, and ROA variables do not affect UMKM financing, non-UMKM financing and total financing.
Implementasi Prinsip Kehati-Hatian Dan Sistem Tanggung Renteng Dalam Meminimalisir Pembiayaan Bermasalah Pada Bank Wakaf Mikro Tebuireng Mitra Sejahtera Jombang Syafrin Aulia Annis; Binti Mutafarida; Suprihantosa Sugiarto; Yuliani Yuliani
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.v8i1.1271

Abstract

This article aims to determine the implementation of the prudential principle and joint responsibility system in minimising problematic financing at BWM Tebuireng Mitra Sejahtera. This research uses a qualitative approach with descriptive research. The data collection techniques used were observation, interview, and documentation. The results of this study explain that 1) The implementation of the prudential principle at BWM Tebuireng Mitra Sejahtera has been implemented properly and effectively according to the stages and procedures that have been determined through the application of the 5C principle assessment (Character, Capacity, Capital, Collateral, and Condition of Economy). Of the five principles, the most prioritised assessment by BWM Tebuireng Mitra Sejahtera is the Character of prospective customers in analysing the feasibility of prospective customers. 2) The implementation of the joint responsibility system is carried out through several stages, among others: Identification, Socialisation, Customer Eligibility Test, Pre PWK (Pre Mandatory Group Training), PWK (Mandatory Group Training), and Halmi (Weekly Halaqah). 3) The implementation of the prudential principle and joint responsibility system can minimise the number of non-performing financing at BWM Tebuireng Mitra Sejahtera marked by the percentage of NPF (Non Performing Financing) which has decreased every year.
Assessing Islamic Banking Equity: A Synthesis of Financial Ratios and Economic Conditions Faizul Mubarok; Anggun Nurhasanah; Nabila Desinta Fajarwati; Shazkia Salsabila
WADIAH Vol. 8 No. 2 (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.v8i2.1336

Abstract

The success of companies in the banking sector is necessary for driving economic growth and state revenues. Their success is usually measured using their share prices which is a good index of their overall value. The objectives of this paper were to analyse the relationship between independent variables and share prices of Islamic Banking companies. The independent variables are the following financial ratios for indicators Return on Assets, Return on Equity, Debt to Equity Ratio, Debt to Asset Ratio, Inflation, interest rates and exchange rates. The study made use of the random effects data model to analyse the various Islamic Banking firms that are listed capital market, using data from 2020 to 2023. The results from the study were that Return on Assets, Return on Equity, Debt to Equity Ratio and Debt to Asset Ratio had a statistically significant impact on the share prices of the Islamic Banking Companies. However, Inflation, Interest, and exchange rates did not have a statistically significant effect on stock prices. The results of this analysis will be useful for stakeholders in the Islamic banking sector as they know the most critical factors in determining the market’s valuation of a companies performance and results to help guide strategies for the future.
Cash Waqf Linked Deposit; Sebuah Alternatif Pendanaan Pendidikan Tinggi Eric Kurniawan; M. Roslianor Maika; Fitri Nur Latifah; Rahadi Kristiyanto
WADIAH Vol. 8 No. 2 (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.v8i2.1344

Abstract

This research analyzes the potential of the IPB-BSI-01 Series Cash Waqf Linked Deposit (CWLD) in collecting waqf funds for education. Using a qualitative descriptive approach with interview techniques and documentation studies, it was found that the CWLD Series IPB-BSI-01 succeeded in attracting public interest, collecting more than IDR 19.5 billion in waqf funds. However, this number has only reached 19% of the national target of IDR 100 billion, indicating that there are still large opportunities for improvement. The success of the IPB-BSI-01 Series CWLD is due to the ease of access and flexibility of waqf, transparency and accountability in fund management, as well as the clear benefits of educational scholarships for recipients. Challenges faced include a lack of socialization and literacy of CWLD products in the community, as well as the gap between national targets and current funding. The research conclusion shows that the CWLD IPB-BSI-01 Series has great potential as an important instrument in collecting education waqf funds in Indonesia. Constructive steps that need to be taken include intensive outreach, optimizing technology, diversifying fundraising strategies, strengthening transparency and accountability, as well as developing innovative products and services. With the collaboration of various parties, including the government, educational institutions, the private sector and the wider community, the IPB-BSI-01 Series CWLD program can achieve national targets and provide a significant positive impact on the future of education in Indonesia.
Increasing The Competitive Advantage Of Sharia Rural Financing Banks (BPRS) Products Through A Marketing Mix Strategy: The Approach Of Hermawan Kartajaya And Muhammad Syakir Sula Frans Sudirjo; Arif Zunaidi; Aldila Septiana
WADIAH Vol. 8 No. 2 (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.v8i2.1355

Abstract

This research aims to analyze the marketing strategy implemented by BPRS Lantabur Tebuireng Gresik Branch to increase the competitive advantage of Tadhabbur savings products by considering the approaches of Hermawan Kartajaya and Muhammad Syakir Sula. The research method used involved interviews with BPRS marketing managers, direct on-site observation, and literature studies to understand relevant marketing principles. Research found that BPRS Lantabur Tebuireng was successful in implementing a holistic marketing strategy. They offer products that suit customer needs, set competitive prices, carry out promotions through sharia financial education, provide responsive service, utilize technology, and implement social engagement programs. The success of this strategy is supported by high service quality, synergy with local communities, a focus on ethical values, and a humanist approach to marketing. These findings indicate that this approach can be used as an effective model for other Islamic financial institutions to increase the competitive advantage of their products. Thus, implementing a marketing strategy that is holistic and based on sharia values and community welfare can be the basis for strengthening the market position of sharia financial institutions in the banking industry.
Pengaruh Kualitas Layanan Terhadap Kepuasan Nasabah Pada Produk BSI Tabungan Easy Wadiah Devid Frastiawan Amir Sup; Sabaruddin
WADIAH Vol. 8 No. 2 (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.v8i2.1440

Abstract

Banks in their development will always face very competitive situations. It is important for banks to be able to achieve competitive advantage, one thing banks can do is to develop service quality. Banks must do several things that can bind customers' hearts to remain loyal to the bank, so the services provided by the bank must be right on target, so that customer satisfaction becomes an important part of maintaining customer loyalty to the bank. This research aims to measure the influence of service quality on customer satisfaction with the BSI Easy Wadiah Savings product, at Bank Syariah Indonesia KCP Magelang Muntilan, Central Java. The method used in this research is a quantitative method, using SPSS software analysis tools. There are two variables used in this research, namely the independent variable Service Quality (X) and the dependent variable Customer Satisfaction (Y). The results obtained from this research are that there is a positive and significant influence between service quality and customer satisfaction. If service quality increases, customer satisfaction will also be higher. This is proven by the results of the t test analysis which shows the calculated t is 19.213 with a significance level of 0.01.
Determinants Of The Profitability Of Islamic Commercial Banks In Indonesia Ira Tusiyani; Fetria Eka Yudiana
WADIAH Vol. 8 No. 2 (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.v8i2.1445

Abstract

Factors that influence bank profitability can come from various performances. One of the profitability ratios used is Return On Assets (ROA), which is a profitability ratio that shows the percentage of profits to determine the company's efficiency in managing assets to generate profits. Other factors that influence profitability include Third Party Funds and Non-Performing Finance. The aim of this research is to examine the influence of DPK and NPF on profit sharing financing at Islamic commercial banks in Indonesia in 2016-2020. This type of research is quantitative, using data collection techniques with purpose sampling. This research also uses panel data analysis techniques, namely a combination of time series and cross section data. The panel data regression model is a combination of data from a number of objects within a certain time period. The total population is 14 Islamic commercial banks in Indonesia, with a sample size of 10 Islamic commercial banks in accordance with the characteristics of this research. This research uses a panel data regression analysis method which is processed using eviews 10. The results of this research are that DPK has a negative and insignificant effect on profitability. NPF has a positive and insignificant effect on profitability. Profit sharing financing has a positive and significant effect on profitability. DPK has a positive and significant effect on profit sharing financing. NPF has a negative and significant effect on profit sharing financing. Profit sharing financing does not mediate TPF and NPF on profitability. 
Literasi Perbankan Syariah Untuk Meningkatkan Akselerasi Inklusi Keuangan (Studi pada Bank Syariah Indonesia (BSI) KCP Probolinggo) Mohammad Syaiful Suib; Lina Amelia
WADIAH Vol. 8 No. 2 (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.v8i2.1449

Abstract

This research aims to analyze the literacy used by syariah banking in increasing the acceleration of financial inclusion at BSI KCP Probolinggo. This research explores the impact of the role of syariah banking literacy on accelerating financial inclusion, in the context of inclusive and sustainable syariah banking. This topic was chosen to fill the gap in understanding the contribution of syariah banking literacy to the development of financial inclusion, which is a crucial aspect in building a sustainable syariah financial institutional environment. The qualitative approach used in this research is a case study type. The selection of objects at BSI KCP Probolinggo was based on considerations because the bank is one of the syariah financial institutions that plays an important role in the development of syariah finance in the Probolinggo area. The techniques used to collect research data consist of in-depth interviews, participant observation, and documentation. Where the research data consists of primary data obtained from several research informants, namely the director of BSI KCP Probolinggo, three employees of BSI KCP Probolinggo, five customers of BSI KCP Probolinggo. Meanwhile, secondary data was obtained from national and international journals that were relevant to research. The data analysis techniques used consist of data reduction, data display, and drawing conclusions. The research results show that syariah banking literacy in increasing financial inclusion is carried out by providing financial education, holding promotions and marketing, and conducting outreach through various media. Syariah banking literacy has a significant impact on increasing financial inclusion.

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