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Jihbiz: Global Journal of Islamic Banking and Finance最新文献

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PEMANFAATAN TEKNOLOGI DALAM PENGEMBANGAN PRODUK TABUNGAN DAN PENGARUHNYA TERHADAP PENINGKATAN NASABAH PADA PT. BANK SYARIAH INDONESIA KC ACEH 储蓄产品开发技术的使用及其对PT.印尼伊斯兰银行PT. KC亚齐日益增长的客户影响
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-02-14 DOI: 10.22373/jihbiz.v5i1.17196
Nevi Hasnita, Ana Fitria, Elisa Maidari
{"title":"PEMANFAATAN TEKNOLOGI DALAM PENGEMBANGAN PRODUK TABUNGAN DAN PENGARUHNYA TERHADAP PENINGKATAN NASABAH PADA PT. BANK SYARIAH INDONESIA KC ACEH","authors":"Nevi Hasnita, Ana Fitria, Elisa Maidari","doi":"10.22373/jihbiz.v5i1.17196","DOIUrl":"https://doi.org/10.22373/jihbiz.v5i1.17196","url":null,"abstract":"Bank Syariah Indonesia’s product development entails the application of technology to the creation of product features for Wadiah and Mudharabah savings products, particularly the online account opening method. The purpose of this study was to establish the form of product feature development implemented by Bank Syariah Indonesia KC Aceh, as well as the impact of product development on client acquisition. This research use descriptive qualitative methodology. According to the findings of the study, Bank Syariah Indonesia’s product development may be categorized as modification and growth of product lines and complementary items. The results also indicate that the creation of this product was successful, as evidenced by the increase in the number of new Bank Syariah Indonesia clients who take advantage of the product's new features. In the first year after the launch of this feature in 2020, the number of customers increased by 15,992 or 96.58% compared to the previous year's total of 8,135 clients. This demonstrates that the usage of technology in Bank Syariah Indonesia’s product development has a favorable influence on customer growth.","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"327 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-02-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115347491","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
FAKTOR YANG MEMPENGARUHI MINAT MILENIAL DALAM MENGGUNAKAN JASA PEGADAIAN SYARIAH 影响千禧世代对伊斯兰当铺服务的兴趣的因素
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-02-14 DOI: 10.22373/jihbiz.v5i1.17216
Rina Desiana, Faryal Musnadi Ihsan
{"title":"FAKTOR YANG MEMPENGARUHI MINAT MILENIAL DALAM MENGGUNAKAN JASA PEGADAIAN SYARIAH","authors":"Rina Desiana, Faryal Musnadi Ihsan","doi":"10.22373/jihbiz.v5i1.17216","DOIUrl":"https://doi.org/10.22373/jihbiz.v5i1.17216","url":null,"abstract":"The presence of sharia pawnshops can also have a positive impact because the main purpose of pawnshops is to help people who are in need of funds so they are free from bondage to bondage practices. The purpose of this research is to find out the Factors Influencing Millennial Interest in Using Sharia Pawnshop Services. This research method uses a quantitative method with data collection techniques by distributing questionnaires to 100 respondents, namely the people of Southwest Aceh Regency who belong to the millennial generation and also sharia pawnshop customers. The partial test results show that the location variable (X1) has no significant effect on millennial interest in using sharia pawnshop services, while the Promotion Variable (X2) and Service Quality (X3) has a significant effect on millennial interest in using sharia pawnshop services. Furthermore, the results of the simultaneous test show that the variables of location, promotion, and service quality jointly affect millennial interest in using sharia pawnshop services","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-02-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122298149","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
PENERAPAN GREEN BANKING DI LINGKUNGAN BANK MUAMALAT INDONESIA
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-02-14 DOI: 10.22373/jihbiz.v5i1.17195
Desma Ria, M. I. Fasa, S. Suharto, A. Fachri
{"title":"PENERAPAN GREEN BANKING DI LINGKUNGAN BANK MUAMALAT INDONESIA","authors":"Desma Ria, M. I. Fasa, S. Suharto, A. Fachri","doi":"10.22373/jihbiz.v5i1.17195","DOIUrl":"https://doi.org/10.22373/jihbiz.v5i1.17195","url":null,"abstract":"The increasing competition of business or industry makes the behavior of businessmen ignore the natural environment. This causes the emergence of seriousness from the corporate world to increasingly involve themselves in activities that can create a positive impact on social and natural environment. In addition to carry out its function as an intermediary institution, the banking industry is also currently required to be involved in suppressing environmental damage because it is considered necessary to adapt interdepedensially to the environment called Green Banking. This research aims to find out how to implement green banking in Bank Muamalat Indonesia environment. This research used qualitative method by impelementing descriptive analysis using secondary data. The results showed that there are two main green banking programs implemented by Bank Muamalat Indonesia, the distribution of environment friendly financing and environment friendly operational activities, respectively.","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"120 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-02-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121153193","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
ANALISIS METODE PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH PADA PT. BANK ACEH SYARIAH KCP LABUHAN HAJI
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-02-03 DOI: 10.22373/jihbiz.v4i2.17087
Ona Suarnidar, Nevi Hasnita, Yulindawati Yulindawati
{"title":"ANALISIS METODE PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH PADA PT. BANK ACEH SYARIAH KCP LABUHAN HAJI","authors":"Ona Suarnidar, Nevi Hasnita, Yulindawati Yulindawati","doi":"10.22373/jihbiz.v4i2.17087","DOIUrl":"https://doi.org/10.22373/jihbiz.v4i2.17087","url":null,"abstract":"Non-performing financing is one of the major risks faced by banks. The larger the non-performing financing, the worse it will be on the soundness of bank liquidity. This research is a qualitative research. The method used in this study is a descriptive qualitative method of analysis with a field approach through interviews and documentation. The results of the study explain that the factors that cause problematic murabahah financing consist of internal factors, namely bank management errors and external factors, namely mistakes from financing customers. The methods used to resolve problematic murabahah financing are mentoring, financing restructuring, foreclosure of collateral, and execution of guarantees","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-02-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115801829","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
PENGARUH DANA PIHAK KETIGA (DPK), MODAL INTI, DAN BAGI HASIL TERHADAP PEMBIAYAAN PADA BANK UMUM SYARIAH DI INDONESIA (PERIODE 2014 -2021) 第三方资金(DPK)、核心资本，以及在印尼伊斯兰总银行(2014 -2021)融资收益的影响(2014 -2021年期间)
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-02-03 DOI: 10.22373/jihbiz.v4i2.17086
Ismuadi Ismuadi, Zakiyul Fuad, Mulia Rahmah
{"title":"PENGARUH DANA PIHAK KETIGA (DPK), MODAL INTI, DAN BAGI HASIL TERHADAP PEMBIAYAAN PADA BANK UMUM SYARIAH DI INDONESIA (PERIODE 2014 -2021)","authors":"Ismuadi Ismuadi, Zakiyul Fuad, Mulia Rahmah","doi":"10.22373/jihbiz.v4i2.17086","DOIUrl":"https://doi.org/10.22373/jihbiz.v4i2.17086","url":null,"abstract":"Abstract This study aims to look at the Effect of Third Party Funds (DPK), Core Capital, and Profit Sharing on Financing in Islamic Commercial Banks in Indonesia (2014-2021 Period). This data uses secondary data in the form of documentation with its processing using SPSS 25. The analytical method used is multiple linear analysis techniques. The results showed that third party funds (DPK), core capital, and profit sharing had a positive effect on the amount of financing","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-02-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134427938","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
ANALISIS DAMPAK PANDEMI COVID-19 TERHADAP KEBIJAKAN LAYANAN BANK SYARIAH INDONESIA KANTOR CABANG CUT MEUTIA 分析COVID-19大流行对印尼伊斯兰银行服务政策CUT MEUTIA的影响
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-02-03 DOI: 10.22373/jihbiz.v4i2.17089
Faris Aulia, Ayumiati Ayumiati, Akmal Riza
{"title":"ANALISIS DAMPAK PANDEMI COVID-19 TERHADAP KEBIJAKAN LAYANAN BANK SYARIAH INDONESIA KANTOR CABANG CUT MEUTIA","authors":"Faris Aulia, Ayumiati Ayumiati, Akmal Riza","doi":"10.22373/jihbiz.v4i2.17089","DOIUrl":"https://doi.org/10.22373/jihbiz.v4i2.17089","url":null,"abstract":"The limited services of Bank Syariah Indonesia (BSI) during the pandemic resulted in various policies being carried out. The study aims to determine the impact of the Covid-19 pandemic on the service policy of the BSI Cabang Cut Meutia, and the obstacles in carrying out service policies during the pandemic. The study used primary data in the form of interviews with the parties concerned. Qualitative approach with descriptive analysis technique. The results of the research that the impact of Covid-19 on service policies are having to follow health protocols when entering the bank area, limiting operating hours, increasing e-Channel services, and following all stimulus policies issued by the government. The obstacles faced in the form of the implementation of the WFH system and the application of health protocols made employees feel uncomfortable and uncomfortable while working","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-02-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129691868","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
ELABORASI TEKNIK MEMPEROLEH NASABAH PEMBIAYAAN YANG SEHAT 详细说明获得健康融资客户的技术
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-02-03 DOI: 10.22373/jihbiz.v4i2.17090
Heru Setiawan, Nina Maulina Supriyanto, Kharis Fadlullah Hana
{"title":"ELABORASI TEKNIK MEMPEROLEH NASABAH PEMBIAYAAN YANG SEHAT","authors":"Heru Setiawan, Nina Maulina Supriyanto, Kharis Fadlullah Hana","doi":"10.22373/jihbiz.v4i2.17090","DOIUrl":"https://doi.org/10.22373/jihbiz.v4i2.17090","url":null,"abstract":"Banks always evaluate prospective customers before offering financing to customers, so there are several principles to evaluate and to get healthy financing customers at the bank. The purpose of this study is to obtain healthy financing customers. This research uses qualitative methods by employing an interview method. Data is collected through interviews with employees and customers who use Indonesian Islamic banks. The results of this study show the discussion of techniques for obtaining healthy financing customers through a door-to-door survey of the customer's business premises, advertisements and excellent service and others. The research also recommends Islamic banks in Indonesia to improve financing survey to customers","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-02-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130269591","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
ANALISIS SWOT TRANSFORMASI DIGITAL PADA LANSIA DALAM PENGGUNAAN JASA PERBANKAN DI INDONESIA ERA SOCIETY 5.0
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-01-31 DOI: 10.22373/jihbiz.v5i1.17303
Alfian Muhammad
{"title":"ANALISIS SWOT TRANSFORMASI DIGITAL PADA LANSIA DALAM PENGGUNAAN JASA PERBANKAN DI INDONESIA ERA SOCIETY 5.0","authors":"Alfian Muhammad","doi":"10.22373/jihbiz.v5i1.17303","DOIUrl":"https://doi.org/10.22373/jihbiz.v5i1.17303","url":null,"abstract":"The purpose of this study is to answer the problems that occur in the elderly in the use of banking services in Indonesia in the era of society 5.0 by using a SWOT Analysis. This research is a type of library research using a qualitative descriptive approach. After conducting a SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis regarding digital transformation in the elderly in using banking services in Indonesia in the era of society 5.0, it can be concluded that the development of technology in financial institutions has a high level of effectiveness to provide quality banking services to the elderly, but the level of use is still low, because many elderly people do not understand how to use digital services  Banking. Preferably, banking companies provide chatbots services for the elderly who want to do digital banking transactions. If an elderly person wants to make transactions using digital banking services, then it can start a conversation with chatbots and all their complaints will be resolved and replied to automatically, although it is unlikely that chatbots will do so to replace banking employees.","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"37 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116582143","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
PENGARUH PEMBIAYAAN MURABAHAH TERHADAP RETURN ON ASSET (ROA) PADA PT. BANK ACEH SYARIAH
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-01-31 DOI: 10.22373/jihbiz.v5i1.17257
Cut Fariza, Ayumiati Ayumiati, Muksal Muksal
{"title":"PENGARUH PEMBIAYAAN MURABAHAH TERHADAP RETURN ON ASSET (ROA) PADA PT. BANK ACEH SYARIAH","authors":"Cut Fariza, Ayumiati Ayumiati, Muksal Muksal","doi":"10.22373/jihbiz.v5i1.17257","DOIUrl":"https://doi.org/10.22373/jihbiz.v5i1.17257","url":null,"abstract":"This study aims to determine the Effect of Murabahah Financing on the Profitability of PT. Bank Aceh Syariah (2019-2021 Period) and this research is secondary data based on the results of the monthly financial reports of PT. Bank Aceh Syariah for the 2019-2021 period. This type of research is quantitative research with a simple linear regression analysis method. The results of the t test show that tcount > ttable (2.909> 1.68) and a significance of 0.014 is less than 0.05, meaning that murabaha income has a positive and significant effect on profitability (ROA).","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"89 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131880292","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
PENGARUH KEDEKATAN EMOSIONAL DAN KOMITMEN TERHADAP LOYALITAS NASABAH PADA BSI KCP 1 ULEE KARENG BANDA ACEH 对客户的情感依恋和对客户忠诚的承诺对BSI KCP 1 ULEE KARENG BANDA亚齐的影响
Jihbiz: Global Journal of Islamic Banking and Finance Pub Date : 2023-01-31 DOI: 10.22373/jihbiz.v5i1.17246
K. Khairunnisa, Inayatillah Inayatillah
{"title":"PENGARUH KEDEKATAN EMOSIONAL DAN KOMITMEN TERHADAP LOYALITAS NASABAH PADA BSI KCP 1 ULEE KARENG BANDA ACEH","authors":"K. Khairunnisa, Inayatillah Inayatillah","doi":"10.22373/jihbiz.v5i1.17246","DOIUrl":"https://doi.org/10.22373/jihbiz.v5i1.17246","url":null,"abstract":"The Efforts of Islamic Banks to survive in a very competitive market position is to maintain customer loyalty. The study aims to analize the effect of emotional closeness and commitment on customer loyalty with a quantitative approach. The population were all customers of BSI KCP 1 Ulee Kareng Banda Aceh, from which 99 respondens were drawn using purposive sampling technique. Data was analize using multiple linear regression  that showed emotional closeness and commitment have no significant effect on customer loyalty either simultaneously or partially. It is hoped that BSI can improve good recriprocal relationships with customers.","PeriodicalId":191091,"journal":{"name":"Jihbiz: Global Journal of Islamic Banking and Finance","volume":"76 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114356519","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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