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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
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Articles 107 Documents
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Analisis Strategi Penyelesaian Pembiayaan Bermasalah Pada Produk Rahn Di KSPPS “BMT Berbagi” Jepara Syifaur Rohman; Miswan Ansori
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.v8i2.1499

Abstract

This research aims to identify the factors that cause financing problems and strategies for handling them at the BMT Sharia Savings and Loans and Financing Cooperative (KSPPS) in Jepara. A descriptive qualitative approach is used to describe the problematic financing phenomenon experienced by Islamic financial institutions. Primary data was obtained through interviews and direct observation, while secondary data was collected from financial reports and periodicals. Data analysis was carried out using data reduction techniques, data presentation, and drawing conclusions according to Miles and Huberman's theory. The research results show that financing problems at KSPPS BMT Sharing are caused by internal factors, such as weak financing analysis, lack of supervision, and suboptimal coordination of the financing committee. External factors include the impact of the COVID-19 pandemic, economic inflation, and the character of members who are irresponsible in paying installments. The handling strategies implemented include preventive measures (financing analysis, monitoring and evaluation), revitalization (rescheduling, restructuring and reconditioning), as well as curative measures (collateral execution, liquidation and collection through third parties). The effectiveness of this strategy is proven by reducing the number of non-performing financing by 19% from 2022 to 2023
Urgensi Mutu Pelayanan Customer Service Dalam Meningkatkan Kepuasan Dan Loyalitas Nasabah Choiru Umatin; Chelsea Vanessa; Atina Sulkha; Noviana Nurkholifah; Adjie Pambudi; Mochamad Nasichin Al Muiz; M. Ubaidillah Ridwanulloh
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.v8i2.1509

Abstract

ABSTRACT Service capability plays an important role for the sustainability of a company in increasing customer satisfaction and loyalty. The main priority of a company engaged in banking services is customer satisfaction. In winning the increasingly competitive competition, the Bank strives to provide the best service (service excellent). This study aims to determine the importance of retaining customers and reaching potential customers. In addition, to find out how to maintain and improve the quality and loyalty of its customers. The research uses a library research method in which data is collected based on academic data bases, digital libraries, and repositories of educational institutions. Some references are obtained from books, scientific journals, articles and research reports relevant to customer service quality research in improving customer quality and loyalty. The result is that customer service quality has a crucial role in shaping customer perceptions of financial institutions. Quality of service is very concerned about satisfaction and loyalty to maintain a positive brand image or image in the eyes of the community. The effect of customer satisfaction on customer loyalty can show that customer satisfaction has a significant effect on customer loyalty. Increasing service quality has an impact on customer satisfaction and loyalty is also increasing. Conversely, if the quality of Customer Service service decreases, it will have an impact on worsening customer satisfaction and loyalty.
Implementasi Underwriting Produk Asuransi Jiwa At – Ta’min Fadhillah Dalam Meminimalisir Resiko (Studi Pada PT Asuransi Jiwa Syariah Al Amin Kediri) Nanda Rahma Danisa; Sulistyowati Sulistyowati
WADIAH Vol. 9 No. 1 (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.v9i1.1574

Abstract

PT Asuransi Jiwa Syariah Al Amin Kediri is a life insurance company that manages the risks of each participant who joins it. The company's superior product, At Ta'min Fadhillah, provides benefits for insurance participants so that it has many enthusiasts. The At Ta'min Fadhillah product provides coverage when the participant is destined to die and provides additional benefits, namely badal hajj/umrah. Participants who join this insurance product must go through an underwriting process. Underwriting is the process of selecting prospective participants before they are declared accepted or not as insurance participants. This research uses a qualitative approach with data sources obtained from primary and secondary data. Data collection was carried out using observation, interviews and documentation methods. The data analysis process is carried out by data reduction, data presentation and data verification. The results of the research explain that the implementation of risk management in the At Ta'min Fadhillah product is by providing an age limit when participants join, giving extra premiums to participants who have high risks and exceed the predetermined provisions, and revoke the policies of participants who are late in paying premiums to prevent fraud by unscrupulous individuals. The implementation of risk management in the product underwriting process of At Ta'min Fadhillah PT Asuransi Jiwa Syariah Al Amin is carried out by identifying participants by looking at age, risk analysis of participants, risk evaluation, risk treatment and risk monitoring.
Analysis Of The Implementation Of Productive Finance In Sharia Commercial Bank (Bus) In Padang City Misi Anggraini; Ahmad Wira; Duhriah Duhriah
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.v9i2.1645

Abstract

Mudharabah and musyarakah contracts as productive financing do not yet dominate in sharia financial institutions. However, in practice there are problems, one of which is related to the implementation of the contract. The aim of the research is to determine the implementation of Mudharabah and musyarakah contracts in Productive Financing carried out by Sharia Commercial Banks (BUS) along with the feasibility of approval for productive financing at Sharia Commercial Banks (BUS) in Padang City what's in it. The research method uses qualitative methods. The case study approach was carried out through interviews with Sharia Commercial Banks (BUS) which implement productive financing. The natural observation approach was carried out through the appointment of four volunteers who had been appointed and determined by researchers to identify the application of financing for MSMEs in Padang. The results show that the implementation of productive financing at Sharia Commercial Banks (BUS) in Padang City shows two Sharia Commercial Banks implementing mudharabah and musyarakah contract financing for MSMEs. The implementation of mudharabah and musyarakah contracts carried out by Sharia Commercial Banks (BUS) in Padang City is in line with theory, the MUI DSN Fatwa and previous research for the implementation of Sharia Commercial Banks in Padang City.
Analisis Pengaruh Bauran Pemasaran Terhadap Minat Menabung Di Bank Syariah Pada Masyarakat Muslim Surakarta Elistiya Cahya Wulaningsih; Meilana Widyaningsih
WADIAH Vol. 9 No. 1 (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.v9i1.1804

Abstract

Pengaruh bauran pemasaran untuk meningkatkan minat menabung pada bank syariah. Pada saat ini perbankan syariah mengalami perkembangan dan kemajuan yang pesat namun dalam memperoleh nasabah perbankan syariah masih kalah dengan perbankan konvensional, mengingat hal utama masyarakat indonesia yang beragama muslim lebih dominan. Teknik pengumpulan data dilakukan dengan penyebaran kuisioner secara langsung dan melakukan wawancara kepada masyarakat yang berada di Surakarta, penyebaran dilakukan di lima kecamatan berikut : Pasar Kliwon, Jebres, Laweyan, Banjar sari, dan Serengan. Jumlah sampel yang diperoleh dari penyebaran kuisioner adalah 100 responden, dalam penelitian ini digunakan perangkat lunak SPSS untuk mengolah data dan menganalisis data menggunakan analisis linier berganda. Hasil uji T terdapat faktor yang mempengaruhi minat menabung yaitu faktor produk, harga, promosi, dan juga bukti fisik, sedangkan tempat, proses, orang, tidak berpengaruh signifikan terhadap minat menabung. Uji F menghasilkan hasil bahwa produk, harga, promosi, tempat, proses, orang, dan bukti fisik secara simultan berpengaruh signifikan terhadap minat menabung di bank syariah.
Penggunaan Theory Of Planned Behavior Untuk Memprediksi Investasi Emas Di Bank Syariah Winda Ayu Rahmawati; Yulfan Arif Nurohman
WADIAH Vol. 9 No. 1 (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.v9i1.1808

Abstract

Penelitian ini bertujuan untuk menganalisis penggunaan theory of planned behavior (TPB) terhadap investasi emas di bank syariah. Masalah utama yang dihadapi adalah kurangnya pemahaman yang memengaruhi nasabah dalam minat untuk keputusan investasi emas di bank syariah. Tujuan penelitian ini adalah untuk mengevaluasi pengaruh sikap, norma subjektif, kontrol, serta pengetahuan investasi dan risiko investasi terhadap investasi emas melalui bank syariah di Solo Raya. Metode analisis yang digunakan adalah metode kuantitatif, pada penelitian ini analisis yang digunakan meliputi : uji validitas dan reliabilitas, uji asumsi klasik, analisis regresi linier berganda dan uji hipotesis yang pengolahan datanya dilakukan dengan bantuan software SPSS 26. Sampel yang digunakan di dalam penelitian sebanyak 100 responden. Hasil penelitian bahwa sikap investasi berpengaruh signifikan terhadap keputusan investasi, dengan nilai signifikan 0,004 < 0,05, kontrol perilaku berpengaruh signifikan dengan nilai 0,031 < 0,05, norma subjektif berpengaruh signifikan dengan nilai 0,045 < 0,05, dan pengetahuan investasi berpengaruh signifikan dengan nilai 0,000 < 0,05 terhadap keputusan investasi. Sedangkan variable risiko investasi tidak berpengaruh signifikan terhadap keputusan investasi dengan nilai 0,857 < 0,05.
Pengaruh Debt To Equity Ratio Terhadap Profitabilitas Lembaga Keuangan (Studi Pada Bank BTPN Syariah Periode 2018-2023) Toni Adhitya; Sigit Wisnu Setyo Bhirawa
WADIAH Vol. 9 No. 1 (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.v9i1.1836

Abstract

The purpose of this study is to determine the condition of the Debt To Equity Ratio, the condition of Return On Equity and the effect of Debt To Equity Ratio on Return On Equity at Bank BTPN Syariah for the period 2018-2023. This study uses a quantitative approach and secondary data based on time series data. Data were obtained from monthly financial reports published by Bank BTPN Syariah for 2018-2023 with a population of 72. The results of this study indicate that the condition of the Debt to Equity Ratio of Bank BTPN Syariah based on statistical analysis is in a less condition. Meanwhile, the condition of the Return On Equity of Bank BTPN Syariah based on statistical analysis is in the less category. The results of the correlation analysis between Debt to Equity Ratio and Return On Equity are -0,035, which means that it has a moderate and opposite or negative relationship. The t-value is -0,294 with a significance value of 0.000, which means that Ha is accepted and H0 is rejected. The results of the Debt to Equity Ratio determination coefficient have an effect of 15,5% on Return On Equity. While the remaining 84,5% is influenced by other variables outside this study.
Understanding Consumer Behavior In Murabahah Financing Choices: The Role Of Knowledge Rini Ariyanti; Roikhan Mochamad Aziz; Isma Nurrokhim; Fachrial Lailatul Maghfiroh; Agus Subandono
WADIAH Vol. 9 No. 1 (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.v9i1.1844

Abstract

This study aims to understand consumer behavior in choosing murabahah financing at BMT Beringharjo Nganjuk Branch, focusing on the role of consumer knowledge as the main factor influencing decision-making. This study uses a quantitative method with a simple linear regression analysis technique. Data were collected through questionnaires for 66 respondents who are BMT customers. The results of the study indicate that consumer knowledge has a significant influence on murabahah financing decision-making, with a correlation coefficient of 0.796 (strong relationship) and an R² value of 63.4%. This indicates that 63.4% of the variability in consumer decisions can be explained by their level of knowledge, while 36.6% is influenced by other factors. Education through family and friends is the main source of information (60.6%), while electronic media and brochures are less effective. In conclusion, increasing consumer knowledge, especially through product education, can encourage more informed decisions and strengthen trust in sharia financing. This study is relevant in formulating marketing and education strategies to improve consumer understanding and BMT competitiveness in the sharia financial sector.
Public Perception And Understanding Of Profit Sharing In Islamic Banks (Case Study In Karangtalun Village, Kalidawir Subdistrict, Tulungagung Regency) Elwi Yuda Laksana; Eka Wahyu Hestya Budianto
WADIAH Vol. 9 No. 1 (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.v9i1.1870

Abstract

This study aims to understand the perceptions and understanding of the people in Karangtalun Village regarding the profit-sharing concept in Islamic Banks. This research uses a qualitative approach, collecting data from the community in Karangtalun Village. Data collection methods include observation, interviews, and documentation. The data analysis method consists of three main stages: data reduction, data presentation, and conclusion drawing. Most people in Karangtalun Village have a negative perception of profit-sharing, with doubts about its validity, viewing it similarly to interest; only a few individuals, such as academics and religious figures, hold a positive view of profit-sharing in Islamic banks. Similarly, the community’s understanding is still limited; most people do not fully grasp the concept of profit-sharing or its mechanism in detail, with many still believing that profit-sharing is the same as interest. In contrast, academics and religious leaders tend to have a better understanding of Islamic bank profit- sharing. The negative perception and lack of understanding of profit-sharing are due to several factors, such as the lack of experience with profit-sharing, individual backgrounds, and unclear information. These factors contribute to the community’s less favorable perception and understanding of profit- sharing.
Analisis Pengaruh Variabel Pengetahuan Lokasi Dan Lingkungan Sosial Terhadap Minat Santri Pada Bank Syariah M. Amiruddin; Eka Wahyu Hestya Budianto
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.v9i2.1883

Abstract

The main objective of this study is to reveal the factors that play a role in the savings habits of Islamic boarding school students, especially in the context of Islamic banking. This study focused on students of the Sabilurrosyad Gasek Islamic Boarding School in Malang, with all 81 students who had filled out the questionnaire as the population and sample. Statistical analysis shows that students' knowledge of Islamic banking products and principles has a significant impact on their tendency to save in Islamic banks. However, the social environment does not have a significant effect on their savings behavior, nor does the location or distance of the Islamic bank from the Islamic boarding school.

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