Journal Of Sharia Banking最新文献

{"title":"The Effect Of Muḍārabah Financing And Musyārakah Financing On Operational Revenue Of Sharia People Financing Bank (BPRS In Indonesia 2014-2018 Period)","authors":"M. Mariati, Abdul Nasser Hasibuan, I. Saleh, F. Fauzan","doi":"10.24952/jsb.v2i2.4945","DOIUrl":"https://doi.org/10.24952/jsb.v2i2.4945","url":null,"abstract":"Based on the financial report data of Muḍārabah financing, Musyārakah, and operating income in the Islamic People's Financing Bank in 2014 to 2018. An increase in financing but not followed by an increase in operating income, and also vice versa operating income has increased but the funding has decreased. So that the formulation of the problem in this research is whether there is an influence of Murārabah financing and Musyārakah financing on operational income at the Islamic People's Financing Bank. With the aim of this study is to determine the effect of Muḍārabah financing and Musyārakah financing partially and simultaneously on operational income at the Islamic People's Financing Bank. The discussion of this study relates to Muḍārabah financing and Musyārakah financing and operational income of the Islamic People's Financing Bank (BPRS) and is complemented by other sciences related to the topic under study. This research is a quantitative study, using secondary data and time series forms from 2014 to 2018 as many as 60 samples. Data analysis used was descriptive statistical analysis test, normality test, classic assumption test (multicollinearity test, heteroscedasticity test, autokoleration test), R2 test, hypothesis test (t test, F test), and multiple linear regression tests with processing used through SPSS 23. Partial research results (t-test) There is no effect of Muḍārabah financing on operating income at the Islamic People's Financing Bank in Indonesia for the 2014-1018 period. There is an influence of Musharaka financing on the operational income of Islamic People's Financing Banks in Indonesia for the 2014-2018 period. While simultaneous Fcount has a value greater than Ftable, this explains that Muḍārabah financing and Musyārakah financing have a significant simultaneous effect on operational income.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"345 8-9","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114008440","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}

{"title":"COMPARATIVE ANALYSIS OF RISK AND RETURN IN PT. BANK BRI SYARIAH BEFORE AND AFTER SPIN OFF","authors":"Siti Ratna Sari, D. Harahap, Azwar Hamid, Rahmat Annam","doi":"10.24952/jsb.v1i2.4432","DOIUrl":"https://doi.org/10.24952/jsb.v1i2.4432","url":null,"abstract":"","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"34 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120913025","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}

{"title":"Rahn Tasjily Product Development Strategy at PT. Pegadaian (Persero) Sharia Service Unit Mandailing Natal","authors":"Suaibah Suaibah, Arbanur Rasyid, Adanan Murrah, Rahmat Annam","doi":"10.24952/jsb.v2i2.5043","DOIUrl":"https://doi.org/10.24952/jsb.v2i2.5043","url":null,"abstract":"The background of the problem in this study is that the product development strategy rahn tasjily has been implemented well with evidence that there are some customers who have become customers of tasjily rain products, but the process in increasing the number of customers has still not increased. The formulation of this research problem is how the product development strategy rahn tasjily at PT. Pegadaian (Persero) Sharia Service Unit Mandailing Natal, any obstacles in developing the number of customers of rahn tasjily products at PT. Pegadaian (Persero) Sharia Service Unit Mandailing Natal. This research uses qualitative approaches with data collection techniques in the form of interview guidelines, observation and documentation, data reduction analysis techniques, data presentation, and conclusion withdrawal. The subject of this study is the leadership and employees of PT. Pegadaian (Persero) Unit of Sharia Services Mandailing Natal and customers as many as 4 people, the data source used is primary data and secondary data. The results showed that rahn tasjily product development strategy in PT. Pegadaian (Persero) Mandailing Natal Sharia Service Unit is a marketing mix that is one of them with promotion through social media, direct promotion, jumping into the field, and socialization. The strategy has not increased because the public does not know the product rahn tasjily well. Constraints of PT. Pegadaian (Persero) Sharia Service Unit Mandaiiling Natal in marketing products to improve there are some of the promotions that are done less, lack of socialization, limited operational costs. And the assumption of the community that pawnshops only as a place to pawn money.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"121 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116026196","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}

{"title":"EFFECT OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL ON CAPITAL ADEQUACY RATIO (CAR) IN PT. BNI SHARIA PERIOD 2011-2018","authors":"Arjun Arjun, Windari Windari, Ali Hardana, Syuaib Nasution","doi":"10.24952/jsb.v2i1.4439","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4439","url":null,"abstract":"Based on data obtained from the financial statements of PT. BNI Syariah for the period of 2011-2018 an increase in the value of CAR is not in line with an increase in capital but an increase in CAR while capital has decreased in 2012, 2016 and 2018. A decrease in the value of CAR is not in line with a decrease in capital but a decrease in the value of CAR while capital has increased in 2017. The purpose of this study was to determine the effect of core capital and complementary capital variables partially and simultaneously on CAR at PT. BNI Syariah for the period of 2011-2018. The results of the partial research (t test) core capital has no partial effect on CAR as evidenced by tcount ttable (1,296 2,045), and supplementary capital has a negative effect on CAR as evidenced by tcount ttable ie (-2,849 - 2,045). Whereas simultaneously core capital and supplementary capital variables have simultaneous (joint) influence on CAR as evidenced by Fcount Ftable (4.060 3.33).","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121430551","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}

{"title":"The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018","authors":"N. Haliza, Nofinawati Nofinawati, Damri Batubara, Nando Fahrizal","doi":"10.24952/jsb.v2i1.4444","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4444","url":null,"abstract":"Return On Assets (ROA) is a ratio used to determine the bank's ability to generate profits. The problem in this research is that there is a phenomenon that is not in accordance with the theory. Where, in 2011 the fourth quarter of Non Performing Financing (NPF) decreased accompanied by a decrease in the value of Return On Assets (ROA), as well as Earning Asset Quality (KAP) increased but was not followed by an increase in Return On Assets (ROA). This research is a quantitative research, with the research location at PT. Bank Rakyat Indonesia Syariah, Tbk using secondary data as many as 40 samples in the form of quarterly consolidated financial statements obtained from the website www.ojk.go.id. Analysis of the data used is multiple linear regression test, classic assumption test, coefficient of determination (R2), as well as t test and F test. The results of the partial study (t test) show that Non Performing Financing (NPF) has a significant effect on return. On Assets (ROA), as evidenced by tcount ttable (2.464 2.026) with a significance level of 0.019 0.05, and Earning Asset Quality (KAP) has a significant effect on Return On Assets (ROA), as evidenced by - tcount -ttable that is (-3.385-2.026) with a significance level of 0.002 0.05. Meanwhile, simultaneously Non-Performing Financing (NPF) and Earning Asset Quality (KAP) have a significant effect on Return On Assets (ROA) as evidenced by Fcount Ftable (8.981 3.25) with a significant level of 0.001 0.05.The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"49 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121066989","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}

{"title":"DETERMINANTS OF CUSTOMER LOYALTY","authors":"Eva Indah, Abdul Nasser Hasibuan, Ali Hardana, Rahmat Annam","doi":"10.24952/jsb.v2i1.4835","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4835","url":null,"abstract":"This study aims to determine the effect of customer satisfaction and bank image on customer loyalty at Pt. Bank Muamalat Indonesia, Tbk., Panyabungan Sub-Branch Office. The creation of customer satisfaction and a good bank image is an advantage for banks. Satisfaction is a good basis for customers to repeat the use of related bank services so that these customers become loyal. This research is a quantitative study, data obtained from questionnaires. The sample collection technique uses the Slovin formula to obtain a sample of 83 customers. Data analysis using multiple linear regression. The results showed that customer satisfaction partially affected customer loyalty and the image of the bank affected customer loyalty. Then simultaneously customer satisfaction and the image of the bank together have a significant and significant effect on customer loyalty.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131084531","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}

{"title":"The Influence Of Islamic Income And Financial Literacy On The Decision To Finance In Islamic Banks","authors":"Saparuddin Saparuddin, Windari Windari, Azwar Hamid, Ananda F. S. Anugrah","doi":"10.24952/jsb.v2i2.5041","DOIUrl":"https://doi.org/10.24952/jsb.v2i2.5041","url":null,"abstract":"The results of the initial survey of traders in Panyabungan District as many as 37 out of 50 chose credit from conventional banks over financing in Islamic banks. The decrease in people's income levels drastically due to coronavirus disease, resulting in lowering people's purchasing power so that it will affect the income of traders.The low Islamic financial literacy that occurs in the community, which is only 8.93%, is far below the national financial literacy of 38.03%. The formulation of the problem in this study is whether income has an effect on traders' decisions to finance at Islamic banks in Panyabungan District? Does Islamic financial literacy affect traders' decisions to finance at Islamic banks in Panyabungan District? Do income and Islamic financial literacy simultaneously affect the decision of traders to do financing at Islamic banks in Panyabungan District?. This research is quantitative research.The sample in this study amounted to 70 respondents using the incidental sampling technique. The data analysis techniques used are validity test, reliability test, descriptive statistical analysis test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression test, t-test, and F test. The results of the study used the t-test of income with –ttable ≤ tcount  ≤  ttable (-1.66792 ≤ - 1.304 ≤ 1.66792) with sig. 0.197 0.1, it can be concluded that income has no effect on the decision of traders to finance at Islamic banks in Panyabungan District, Islamic financial literacy with tcount ttable (3.646 1.66792) with a sign. 0.001 0.1, it can be concluded that Islamic financial literacy affects the decision of traders to finance at Islamic banks in Panyabungan District. The results of the F test show that Fcount is 7.232 Ftable is 2.38 with a sign. 0.001 0.1, so it can be concluded that income and Islamic financial literacy simultaneously affect the decision of traders to finance at Islamic banks in Panyabungan District.The results of the initial survey of traders in Panyabungan District as many as 37 out of 50 chose credit from conventional banks over financing in Islamic banks. The decrease in people's income levels drastically due to coronavirus disease, resulting in lowering people's purchasing power so that it will affect the income of traders.The low Islamic financial literacy that occurs in the community, which is only 8.93%, is far below the national financial literacy of 38.03%. The formulation of the problem in this study is whether income has an effect on traders' decisions to finance at Islamic banks in Panyabungan District? Does Islamic financial literacy affect traders' decisions to finance at Islamic banks in Panyabungan District? Do income and Islamic financial literacy simultaneously affect the decision of traders to do financing at Islamic banks in Panyabungan District?. This research is quantitative research.The sample in this study amounted to 70 respondents using the incidental sampling techniq","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"88 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132957014","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}

{"title":"EFFECT OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS INFLUENCE OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS","authors":"Rizka Yani, Azwar Hamid, Ihdi Aini, Sulaiman Efendi","doi":"10.24952/jsb.v2i1.4838","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4838","url":null,"abstract":"Third-party funds are fund collectors in the banking sector. Third party funds include current accounts, savings and deposits collected from the community. Third party funds always experience an increase but are not followed by revenue sharing and inflation that has fluctuated. The formulation of the problem in this study is whether the profit sharing and inflation have a partial and simultaneous effect on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The purpose of this study was to determine how much the effect of profit sharing and inflation on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The discussion in this study relates to Islamic banking and macroeconomics. The approach taken in this study relates to theories relating to revenue sharing, inflation and Third Party Funds. This research is a quantitative study, the source of the data is secondary with a series of times series of 72 samples. Data collection techniques are documentation and literature. Normality Test, Normality Test, Classical Assumption Test which includes Multicollinearity Test, Autocorrelation Test, Heteroscedasticity Test, Hypothesis Test which includes Partial Significant Test (tTest), Simultaneous Regression Coefficient Test (Ftest), Determination Coefficient Test, Multiple Linear Analysis. The results of this study indicate that partially the shares have -ttest ttable (-2.725 -1.667) which means that the results have a significant negative effect on DPK. And inflation has -ttest -ttable (-4,852 -1,667) which means that inflation has a significant negative effect on Third Party Funds. And profit sharing and inflation simultaneously affect the Third Party Fund. This is evidenced by the value of Fcount Ftable (48.966 3.13). R2 shows that the percentage of contribution of the influence of independent variables on the dependent variable is 58.7% and the remaining 41.3% is influenced or or explained by other variables not included in this research model.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127950226","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}

{"title":"The Use Of E-Muamalat Facilities In Attracting Customer Interest IN PT. Bank Muamalat Indonesia TBK. KCP Panyabungan","authors":"M. Misbah, B. Gautama, Muhammad Wandisyah, Samsuddin Muhammad","doi":"10.24952/jsb.v2i2.5039","DOIUrl":"https://doi.org/10.24952/jsb.v2i2.5039","url":null,"abstract":"Banking service facilities using information technology are called Electronic Muamalat. With advances in information technology, customers can make transactions from anywhere and anytime quickly and easily, so as to further increase the volume of transactions that occur at a bank. However, only some of the customers of Bank Muamalat Indonesia Tbk. KCP. Panyabungan that uses E-Muamalat. The purpose of this study is to find out how customers perceive E-Muamalat and the factors that cause customers to use E-Muamalat at PT. Bank Muamalat Indonesia Tbk. KCP Panyabungan. Theories used in this study include Definition of Interests, Banking Services, Technology Banking Services, Electronic Banking, Banking History, Types of Electronic Transactions and Products at PT. Bank Muamalat Indonesia Tbk. Panyabungan KCP. This research is field research using a qualitative approach with data collection techniques using the Interview, Documentation, Observation method, while the data sources used are primary and secondary. Based on the results of research that has been carried out by researchers, it can be seen that customer perceptions of E-Muamalat are very practical, super-fast, and accurate without having to come to the office when they want to transact, besides that the factors that cause customers to use E-Muamalat because they don't want to miss out on electronic-based banking products. Banking.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"114 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116431347","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}

{"title":"ANALYSIS OF RISK ASPECTS OF GOLD MORTGAGE PRODUCTS","authors":"Scholastika Scholastika, Kamaluddin Ritonga, Hamni Fadilah, Rahmat Annam","doi":"10.24952/jsb.v2i1.4445","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4445","url":null,"abstract":"This research is motivated by the analysis of the risk aspects of gold pawn products at PT. Pegadaian (Persero) Sibuhuan Syari'ah Service Unit. The types of gold and the varying price of gold in the market pose risks. The decline in gold prices will result in losses during the auction for PT. Pegadaian (Persero) Sibuhuan Syari'ah Service Unit. Pegadaian is more careful in following the price developments in the market, as well as the types of gold that supervises, must be more careful and thorough in assessing goods. What are the risks that occur in gold pawn products at PT. Pegadaian (Persero) Sibuhuan Sharia Service Unit. How are the steps to minimize the risk of products that are pawning gold. The purpose of this research is to see the risk of gold pawn products. The theory presented in this study is related to shari'ah pawnshops, the theory of gold pawn risk, the theory of economic uncertainty, natural uncertainty, human uncertainty. This research is a qualitative research with descriptive method. The data source used is primary data and secondary data. While the technique, the data of this research are interviews, observation and documentation. The results of the research on the Analysis of the Risk Aspects of Gold Pawn Products that occurred at PT. Pegadaian (Persero) Syari'ah Sibuhuan Service Unit is a market risk, namely a decrease in the price of gold which results in losses at the time of the auction, credit risk, namely the risk caused by the inability of the customer to pay off its obligations, operational risk, namely the risk arising from inadequacy in the management process. such as the entry of counterfeit gold, negligence in appraising collateral, legal risk of criminal acts either robbery or employee fraud, reputation risk, namely due to customer complaints against products or services at PT. Pegadaian (Persero) Syari'ah Sibuhuan Service Unit and natural disasters (force majeure), namely risks that cause losses with catastrophic disasters. The steps taken by PT. Pegadaian (Persero) Syari'ah Sibuhuan Service Unit to minimize the risk of gold pawn product risk by conducting supervision, guidance and supervision. Education is carried out for appraisers to update knowledge and refresh the existing estimators in the pawnshop.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123113731","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}