Journal Of Sharia Banking最新文献

{"title":"Motivation of Non-Muslims to Become Customers at PT. Bank Syariah Mandiri KC. Sibolga","authors":"Amsal Amsal, F. Siregar, I. Saleh, Ferri Alfadri","doi":"10.24952/jsb.v1i2.4746","DOIUrl":"https://doi.org/10.24952/jsb.v1i2.4746","url":null,"abstract":"The background of the problem in this study is PT. Bank Syariah Mandiri KC. Sibolga does not only have customers who are Muslim but PT Bank Syariah Mandiri KC. Sibolga has non-Muslim customers who account for almost half of the total customers who are motivated to make transactions at the bank. This shows that PT Bank Syariah Mandiri KC. Sibolga is well received by the non-Muslim community in the city of Sibolga. Discussion of research related to the field of Islamic banking. Islamic banks are financial institutions that encourage and invite the public to participate in various products based on sharia principles. While motivation is a set or collection of behaviors that provide a basis for a person to act in a way that is directed towards certain specific goals. The research method used is qualitative research using a descriptive approach. The types of data used are primary data sources and secondary data sources. Taknik followed the data with observation, interviews and documentation. Based on the results of the research conducted, researchers saw that in general the non-Muslim community was motivated by the services provided by PT. Bank Syariah Mandiri KC. Sibolga. motivation of the non-Muslim community to become customers at PT. Bank Syariah Mandiri KC. Sibolga's location is very affordable, a promotion conducted by PT. Bank Syariah Mandiri KC. Sibolga is very suitable with socializing in the market and at school. In addition there are also those who change because of the rules of the Ministry of Religion office that roam as customers at PT. Bank Syariah Mandiri KC. Sibolga.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"65 3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127388043","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 THE MOTIVATION OF AVOIDING RIBA AND KNOWLEDGE OF SHARIA BANKING PRODUCTS ON THE DECISION TO BECOME A CUSTOMER AT PT. BANK MUAMALAT INDONESIA TBK KC PADANGSIDIMPUAN","authors":"Heni Mutiara, Windari Windari, Ali Hardana, Syuaib Nasution","doi":"10.24952/jsb.v1i2.4433","DOIUrl":"https://doi.org/10.24952/jsb.v1i2.4433","url":null,"abstract":"","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"64 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121864892","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 FEE BASED INCOME AND OPERATIONAL COSTS ON PROFIT IN PT. SHARIA INDONESIAN PEOPLE'S BANK","authors":"K. Karlina, Ikhwanuddin Harahap, Windari Windari, A. Ali","doi":"10.24952/jsb.v1i2.4436","DOIUrl":"https://doi.org/10.24952/jsb.v1i2.4436","url":null,"abstract":"This research is motivated by decline in profitability in the first quarter of 2017 which is thought to be influenced by income, especially income derived from services (fee based income) and operating cost. The purpose of this study was to determine the effect of  fee based income and operating cost on profits at PT. Bank Rakyat Indonesia Syariah both partially and simultaneously. This study is a quantitative study, data analysis techniques with multiple linear regression analysis, with data processing used through the SPSS 23 Program. The results of the study show that simultaneously fee based income and operating costs affect earnings. But partially, fee based income variables hasn’t effect on earnings. While operating costs affect earning. The coefficient of determination (R2) obtained R2 of 0,552. This show that 55,2% of each profit growth can be explained by the variable fee based income and operating costs, the remaining 44,8% is explained by other variables outside this study.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121118563","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":"Factors Affecting the Interest of Prospective Hajj Pilgrims Choosing Arafah Savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan","authors":"Afni Lestari, D. Harahap, Sry Lestari, Syuaib Nasution","doi":"10.24952/jsb.v1i1.4680","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.4680","url":null,"abstract":"This research is motivated by the lack of interest of prospective pilgrims in choosing Hajj Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan, the data obtained fluctuated. The purpose of this study was to determine the effect of promotion, service, and product simultaneously on customer interest in choosing Hajj Arafah savings savings at Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. This research is a quantitative research, the data source used is primary data. The data collection technique used is a questionnaire, with a sample of 92 respondents and the sample measurement technique is the Slovin formula. The analysis used is validity test and reliability test and classical assumption test. Multiple linear regression analysis, hypothesis testing and determination coefficient test R2. The results of this study simultaneously promotion, service, and product simultaneously influence the interest of prospective pilgrims to choose Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125401059","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 MURĀBAHAH AND MUSYĀRAKAH FINANCING DISTRIBUTION ON OPERATIONAL REVENUE OF PEOPLE'S FINANCING BANK SHARIA 2015-2018","authors":"Yakinah Yakinah, Kamaluddin Ritonga, A. Damisa, Sulaiman Efendi","doi":"10.24952/jsb.v1i1.4744","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.4744","url":null,"abstract":"This research aimed to determine the effect of Murābahah and Musyārakah financing distribution on operating income. This research use the reporting finance by the financial fervices authority of people’s finance Bank Syariah in 2015-2018 as a sample. It used double linear regression method. The result shows that Murābahah and Musyārakah finance have a positive influence on operating income.Abdurrahmat Fhatoni, Metodologi Penelitian Teknik Penyusunan Skripsi, Jakarta: Rineka Cipta, 2011. Adiwarman Karim, Bank Islam: Analisis Fiqih dan Keuangan, Jakarta: PT Raja Grafindo Persada, 2011. Agus Irianto, Statistik Konsep Dasar Aplikasi, dan Pengembangannya, Jakarta: Kencana Prenada Media Group, 2009. Ascarya, Akad dan Produk Bank Syariah, Jakarta: Rajawali Pers, 2013. Departemen Agama, Al-Qur’an dan Terjemahanya, Semarang: Toha Putra, 2010. Duwi Priyatno, SPSS 22 Pengolahan Data Terpraktis, Yogyakarta: CV. Andi Offset, 2014.Dwi Suwiknyo, Kompilasi Tafsir Ayat-Ayat Ekonomi Islam, Yogyakarta: Pustaka Pelajar, 2010. Herman Darmawi, Manajemen Perbankan, Jakarta: Bumi Aksara, 2012. Herry Sutanto Khaerul Umam, Manajemen Pemasaran Bank Syariah, Bandung: Pustaka Setia, 2013. Husein Umar, Metode Penelitian untuk Skripsi dan Tesis Bisnis. Jakarta: Rajawali Pers, 2013. Imam Ghozali, Aplikasi Analisis Multivariate dengan Program IBM SPSS 21, Semarang: Universitas Diponegoro, 2013. Iqbal Hasan, Analisis Data Penelitian Dengan Statistik, Jakarta: PT. Bumi Akasara, 2004. Ismail, Perbankan Syariah, Jakarta: Kencana, 2011. Mardani, Fiqh Ekonomi Syariah, Jakarta: Kencana, 2012. Maulana Hasanuddin Jaih Mubarok, Perkembangan Akad Musyarakah, Jakarta: Kencana, 2012. Mudrajat Kuncoro, Metode Riset untuk Bisnis dan Ekonomi, Jakarta:      Erlangga, 2009. M. Nur Rianto Al-Arif, Lembaga Keuangan Syariah, Bandung:                    Pustaka Setia, 2012. Muhammad Syafi’i Antonio, Bank Syariah: Dari Teori ke Praktik, Jakarta: Gema Insani Pers, 2016. Muhammad Teguh, Metodologi penelitian ekonomi Teori dan Aplikasi, Jakarta: PT Raja Grafindo Persada, 2005. Rizal Yaya, dkk., Akuntansi Perbankan Syariah, Jakarta: Selemba Empat, 2014. Singgih Santoso, Panduan Lengkap SPSS Versi 23, Jakarta: Alex Media Komputindo, 2016. Slamet Haryono, Analisis Laporan Keuangan Perbankan Syariah, Yogyakarta: Pustaka Sayid Sabiq, 2009. Sugiyono, Metode Penelitian Bisnis (Bandung: Alfabeta, 2012), hlm. 88. Sutan Remy Sjahdeini, Perbankan Syariah Produk-Produk dan Aspek-Aspek Hukumnya, Jakarta: Kencana Prenada Media Group, 2014. Trisadini P.Usanti dan Abd Shomad, Transaksi Bank Syariah, Jakarta: Bumi Aksara, 2013. Veithzal Rivai Arvian Arifin, Islamic Banking, Jakarta: PT.Bumi Aksara, 2010. Wiroso, Produk Perbankan Syariah, Jakarta: LPFE Usakti, 2009. Zainul Arifin, Dasar-Dasar Manajemen Bank Syariah, Jakarta: AlvaBet, 2002.  ","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"42 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130115984","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":"Factors Influencing People's Decisions to Use Islamic Bank Products","authors":"Maimuna Maimuna, Windari Windari, M. Isa, Rahmat Anam","doi":"10.24952/jsb.v1i1.4682","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.4682","url":null,"abstract":"This research is motivated by the habits of the people who use conventional banks and the small number of people in Batu Hula Village, Batangtoru District who use Islamic banks. This is caused by several factors that influence people's decisions, including cultural factors, social factors, and personal factors. Based on the results of the research, the cultural factor variable partially has a significant effect on people's decisions, this is evidenced in the results of hypothesis testing that the cultural factor variable has tcount ttable (3,932 1,69726), then H0 is rejected and Ha is accepted. on community decisions, this is proven by the results of hypothesis testing that the social factor variable has tcount ttable (1,726 1,69726), then Haditolak and H0 are accepted. And the personal factor variable partially has no effect on people's decisions, this is evidenced by hypothesis testing that the cultural factor variable has tcount ttable (0,188 21,69726). Then the variables of cultural factors, social factors and personal factors variables simultaneously affect people's decisions with the results Fcount Ftable (23,362 2,28).","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127474086","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 PROMOTIONS ON DECISIONS SITINJAK VILLAGE COMMUNITY USING SAVING PRODUCTS HAJJ IN SHARIA BANK","authors":"Annisa Yuliana, F. Siregar, Adanan Murrah, Veri Pramudia","doi":"10.24952/jsb.v1i1.4681","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.4681","url":null,"abstract":"Without promotion, it is not expected that customers can get to know the bank, therefore, promotion is the most effective means of attracting and retaining customers. One of the objectives of bank promotion is to inform all types of products offered and try to attract new prospective customers. Promotion is not only a communication tool between companies and customers, but also as a tool to influence customers. Customer decisions are alternative choices of decisions made by customers to use the products offered by the company. This research is a quantitative study using simple regression analysis. The collection technique used by researchers in this study is to use a questionnaire and through observation of individuals whose information is needed in this study. Questionnaire is a data collection technique that is done by giving a set of statements or written questions to respondents to be answered. The sample used in this study were 34 respondents. Data processing is done with SPSS version 22. The results of the coefficient of determination (R2) can be seen that the R Square value of 0.443 means that the promotion variable is able to explain the decision variable to be a customer by 44.3 percent while the remaining 55.7 percent is explained by other variables not included in this model. In another sense that there are still variables that influence the decision to become a customer in addition to promotion. Based on the results of this study indicate a significant influence that is the promotion of decisions with a ttable tcount (2.036 5.041).","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114418050","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 KNOWLEDGE ON VOTING INTEREST PRODUCTS PT. MANDIRI SHARIA BANK PADANGSIDIMPUAN (Case Study to Guru Al-Azhar Bi'ibadillah Ujung Gading District Angkola stem)","authors":"Elna Sriwanna, Ikhwanuddin Harahap, Windari Windari, Ali Hardana","doi":"10.24952/jsb.v1i1.4676","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.4676","url":null,"abstract":"This research is motivated by the assumption that some Al Azhar Bi'ibadillah teachers say that there are no differences between Islamic banks and conventional banks. Besides that, the socialization carried out by Islamic Banks, especially PT Bank Syariah, is still low. The formulation of the problem in this study is whether there is an influence of knowledge on the interest in choosing PT Bank Syariah Mandiri Padangsidimpuan products on the teacher of AlAzhar Bi'ibadillah Ujung Gading, Batang Angkola District. This study aims to determine the effect of knowledge on the interest in choosing PT Bank Syariah Mandiri products in Padangsidimpuan in Al-Azhar Bi'ibadillah Ujung Gading Teachers, Batang Angkola District. The purpose of this research is to add insight to researchers and provide information and knowledge about Islamic banking for Al Azhar Bi'ibadillah teachers.This research is quantitative with a simple linear regression, sampling using census techniques also called saturated sampling techniques, with a population of 49 and 49 samples, using the help of SPSS Version 22 program. Based on the results of the test of the coefficient of determination (R2) it can be seen that the R Square value of 0.121 means that the knowledge variable is able to explain the variable of interest by 12% while the remaining 88% is explained by other variables not included in this model. In another sense that there are still variables that affect the interest in choosing PT Syariah Syariah Mandiri products in addition to knowledge. Based on the results of this study indicate the influence of knowledge of interest with the value of tthitung (2.544 ˃ 2.012).","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124617186","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 Profitability Ratios on Financial Distress in Islamic Commercial Banks in Indonesia","authors":"H. Siregar, D. Harahap, Abdul Nasser, Nofinawati Nofinawati","doi":"10.24952/jsb.v1i2.4352","DOIUrl":"https://doi.org/10.24952/jsb.v1i2.4352","url":null,"abstract":"ROA and ROE affect the Financial Distress that is if the percentage value of ROA and ROE is at a high value, it can be said that the company is still far from financial distress. The higher the return on assets means the higher the amount of net profit generated and vice versa. ROA and ROE which have increased and financial distress have increased occurred in Muamalat Indonesia bank in 2016, Bank Rakyat Indonesia in 2016, Bank Negara Indonesia in 2016 and 2018, Bank Central Asia in 2017, Bank Syariah Mandiri in 2016, Bank Panin Syariah in 2017 , Bank Mega Syariah in 2015, Bank Bukopin Syariah in 2016, Bank Victoria Syariah in 2018, Maybank Syariah in 2017, Bank Syariah State Pensioners in 2015 and 2018 and the value of Return on Assets which declined and the value of financial distress also decreased in banks. Mega Syariah in 2018, Bank Victoria Syariah in 2018, Bank Panin Syariah in 2015, and Bank Bukopin Syariah in 2018. Formulation of the problem in this study is whether there is an influence of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018 . The purpose of this study was to determine the effect of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018. The discussion of this study deals with the analysis of financial statements and profitability ratios and financial distress by using the Zmijewski X-score method. This research is a quantitative study using panel data regression analysis. The data used are time series data for 2014-2018 published through the official website of each Islamic commercial bank in Indonesia, which was analyzed using Software Eviews 9. Partial ROA has a tcount value Ftable (4.664855 2.77) which means that both variables affect the financial distress variable in 2014-2018. Based on the results of the acquisition R2 of 0.592051, it means that 59 percent of financial distress is influenced by ROA and ROE while 41 percent is influenced by other variables not discussed in this study.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132562185","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 THIRD PARTY FUNDS ON FINANCING IN PT. VICTORIA SHARIA BANK","authors":"M. Rambe, Abdul Nasser Hasibuan, Muhammad Wandisyah, I. Saleh","doi":"10.24952/jsb.v1i1.4677","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.4677","url":null,"abstract":"This research is motivated by financing which is one of the main activities of the Islamic bank Victoria running its business, which based on the published financial statements of PT.Bank Victoria published financial statements of PT.Bank Victoria Syariah financing development is not in line with the development of third party fuds. The phenomenon that occurs in this study is seen from the decline and increase in third-party funds is not in accordance with the decrease and increase in financing. The purpose of this study was to determine the effect of third party funds on financing at PT Bank Victoria Syariah in 2016- 2018. This type of research is quantitative research, with the source of data used is secondary data in the form of time series from 2016-2018 as many as 36 samples. Data was obtained through the Bank Victoria Syariah and Ojk website. Data analysis, normality test, simple regression analysis, detremination test (R2), hypothesis test ( test t), with data processedusing SPSS Version 23 statistical calculations. The results of the study with the coefficient determination test the percentage contribution of the influence of variable third party funds to financing is 58.8%. While the remaining 41.2% is in this study. Partially (t test) shows that third party funds significantly influence the financing of PT Bank Victoria Syariah in 2016- 2018.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"46 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128820953","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}