Banque Syar'i: Jurnal llmiah Perbankan Syariah最新文献

{"title":"Analisis Efisiensi Kinerja Bank Syariah Menggunakan Data Envelopment Analysis dan Sharia Maqashid Index","authors":"Ilham Hibatullah, Trisiliadi Supriyatno, Irfan Syauqi Beik","doi":"10.32678/bs.v9i1.8197","DOIUrl":"https://doi.org/10.32678/bs.v9i1.8197","url":null,"abstract":"This study aims to measure the efficiency of the performance of Islamic banks in Indonesia, Malaysia, Saudi Arabia, Pakistan, United Arab Emirates and Bahrain using the Data Envelopment approach Analysis (DEA) and Sharia Maqashid Index (SMI).This study uses a combination research method. In the first stage, quantitative research is used to measure the efficiency of the performance of 4 Islamic banks from 6 countries in 2018-2020 with the Data Envelopment Analysis (DEA) and Sharia Maqashid Index (SMI) approaches. In the second stage, qualitative methods are used to compare the results of performance measurement along with the appropriate approach to measure the performance of Islamic banks. The results of this study indicate that in the DEA approach, only 2 Islamic banks consistently have perfect efficiency scores (1 or 100%) namely BRI Syariah (Indonesia) and Kuwait House Finance (Bahrain). As for SMI, the 3 Islamic banks with the highest scores were Bank Muamalat Indonesia (39,020), Al Bilad Bank (36,938) and Alinma Bank (35,335) Saudi Arabia. Performance measurement using these two approaches is very well used to assess the performance of Islamic banks from the aspect of profitability and Sharia Maqashid.","PeriodicalId":385069,"journal":{"name":"Banque Syar'i: Jurnal llmiah Perbankan Syariah","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125697633","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":"Faktor yang Memengaruhi Keputusan Menabung (Studi Kasus Mahasiswa UIN SMH Banten)","authors":"Dede Sudirja, Huriyah Arwa Salsabila","doi":"10.32678/bs.v9i1.8107","DOIUrl":"https://doi.org/10.32678/bs.v9i1.8107","url":null,"abstract":"Penelitian ini bertujuan untuk menjelaskan pemahaman literasi keuangan dan faktor yang mendasari keputusan menabung bagi mahasiswa UIN SMH Banten. Penelitian ini menggunakan pendekatan phenomenology transcendental dengan jenis penelitian kualitatif. Data dikumpulkan melalui survei online yang dikirim melalui Google Forms, dengan 22 responden valid yang diikutsertakan dalam analisis data. Penelitian ini penting dilakukan dalam memahami keputusan menabung di kalangan mahasiswa. Hasil penelitian menunjukkan bahwa para mahasiswa memahami tabungan sebagai kegiatan yang bermanfaat untuk diambil di masa yang akan datang. Faktor jaga-jaga, mendapatkan keuntungan, dan menghemat adalah beberapa faktor utama yang mendasari keputusan mereka untuk menabung.","PeriodicalId":385069,"journal":{"name":"Banque Syar'i: Jurnal llmiah Perbankan Syariah","volume":"115 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123989898","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":"Pengaruh Rasio Keuangan terhadap Tingkat Kebangkrutan KB Bukopin Syariah Tahun 2010-2021","authors":"Syakilla Anastasya, Rendra Erdkhadifa","doi":"10.32678/bs.v9i1.8012","DOIUrl":"https://doi.org/10.32678/bs.v9i1.8012","url":null,"abstract":"Financial distress menggambarkan kesulitan keuangan yang berkisar dari masalah likuiditas ringan hingga paling parah sebelum menuju kebangkrutan yang disebabkan oleh turunnya rasio keuangan. Tujuan dari penelitian ini adalah untuk melihat adanya pengaruh rasio keuangan terhadap tingkat kebangkrutan KB Bukopin Syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis asosiatif untuk mengetahui hubungan antara variabel ROA, ROE, NPF, dan CAR terhadap tingkat kebangkrutan KB Bukopin Syariah. Metode pengambilan sampel yang digunakan adalah nonprobability sampling dengan teknik purposive sampling yang menggunakan sampel laporan kuartal KB bukopin Syariah dari tahun 2010-2011. Teknik analisis data dalam penelitian ini adalah metode prediksi kebangkrutan Zmijewski dan Taffler yang kemudian diperkuat menggunakan analisis diskriminan. Berdasarkan hasil prediksi kebangkrutan Zmijewski dan Taffler, KB Bukopin Syariah memiliki hasil yang berbeda di setiap tahunnya yang tergolong kedalam area sehat, grey, dan bangkrut. Hasil penelitian uji analisis diskriminan juga menunjukkan pengaruh yang berbeda untuk kedua metode dengan hasil metode zmijewski ROA, ROE, dan NPF mampu mempengaruhi tingkat kebangkrutan. Sedangkan dalam metode taffler hanya variabel ROE dan CAR yang mampu mempengaruhi tingkat kebangkrutan KB Bukopin Syariah.\u0000 \u0000 ","PeriodicalId":385069,"journal":{"name":"Banque Syar'i: Jurnal llmiah Perbankan Syariah","volume":"51 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130438301","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":"Implementation of Islamic Business Ethics in Conventional Bank BRI Ciamis Branch Office, West Java","authors":"Hisam Ahyani, Haris Maiza Putra, Memet Slamet, Muharir Muharir, A. Nugraha","doi":"10.32678/bs.v9i1.8199","DOIUrl":"https://doi.org/10.32678/bs.v9i1.8199","url":null,"abstract":"The purpose of this study is to find out the model and implementation of Islamic business ethics carried out by Bank BRI Ciamis branch office, where in carrying out its business it has put forward the principles of Islamic business ethics in serving consumers. The academic problem that arises is that Bank BRI KC Ciamis is a non-sharia bank, but in service to consumers it prioritizes Islamic business ethical values such as being fair, honest, trustworthy, besides that the majority of Bank BRI KC Ciamis employees are Muslims. The author tries to reveal and dig into this research using descriptive analysis where data sources are obtained through technical interviews, observation and documentation. The findings of this study are that the implementation of business at BRI KC Ciamis bank prioritizes the principles of Islamic business ethics, this can be proven in the 10 behaviors of BRI personnel, including: 1) Excellent Service, 2) employees work 3) effectively and 4) efficiently and 5) prioritizing responsibility, 6) honest, 7) mutual respect, 8) full of innovation, 9) positive attitude and 10) prioritizing trust in consumers. As for added value, namely the brand of BRI bank, namely \"serving with sincerity.\" \u0000Abstrak: Tujuan penelitian ini yakni untuk mengetahui model dan pelaksanaan etika bisnis islami yang dilakukan oleh Bank BRI kantor cabang Ciamis, dimana dalam pelaksanaan bisnisnya ia telah mengedepankan prinsip-prinsip etika bisnis islami dalam melayani konsumen. Adapun problem akademik yang muncul adalah Bank BRI KC Ciamis adalah bank non-syariah, namun dalam pelayanan kepada konsumen mengedepankan nilai-nilai etika bisnis islami seperti besikap adil, jujur, amanah, selain itu mayoritas pegawai Bank BRI KC Ciamis beragama islam. Penulis berusaha menguak serta menggali dalam penelitian ini menggunakan analisis deskriptif dimana sumber data diraih melalui teknis wawancara, observasi serta dokumentasi. Hasil temuan penelitian ini menyatakan bahwa pelaksanaan bisnis di bank BRI KC Ciamis mengedepankan prinsip etika bisnis islami, hal ini dapat dibuktikan dalam 10 Prilaku insan BRI, meliputi: 1) Pelayanan Prima, 2) karyawan bekerja secara 3) efektif dan 4) efisien serta 5) mengedepankan tanggungjawab, 6) jujur, 7) saling menghargai, 8) penuh inovatif, 9) sikap positif dan 10) mengedepankan kepercayaan kepada konsumen. Adapun sebagai nilai tambah yakni brand dari bank BRI yakni\" melayani dengan setulus hati.\" \u0000 ","PeriodicalId":385069,"journal":{"name":"Banque Syar'i: Jurnal llmiah Perbankan Syariah","volume":"85 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132604230","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":"Merger Bank Syariah BUMN: Strategi Peningkatan Pangsa Pasar Keuangan Syariah","authors":"M. Nawawi, I. Hasanah, Elsa","doi":"10.32678/bs.v9i1.8229","DOIUrl":"https://doi.org/10.32678/bs.v9i1.8229","url":null,"abstract":"The market share of Islamic finance in Indonesia is currently still low, in stark contrast to the condition of the Muslim majority in Indonesia with the largest number in the world. As an effort to increase the market share of Islamic finance in Indonesia, the government through the Ministry of BUMN made a breakthrough by merging three state-owned Islamic banks namely BNI Syariah, BRI Syariah and Bank Syariah Mandiri into Bank Syariah Indonesia in order to expand the Islamic banking market which is the locomotive driving economic development. sharia in Indonesia. This study aims to analyze the role of the merger of state-owned Islamic banks in increasing the share of the Islamic financial market in Indonesia through a qualitative approach with a type of library research that focuses on collecting secondary data in the form of books, research results, news, magazines, journals, and other references. Based on the results of the study, the merger strategy in state-owned Islamic banks seeks to increase the share of the Islamic financial market through various advantages possessed by Bank Syariah Indonesia, among others: first, the system and work professionalism supported by the system, technological sophistication and qualified service features so as to provide various conveniences in financial transactions. Second, the amount of capital assets accompanied by various product innovations resulting in high sharia-based funding, stable liabilities and impressive profitability. Third, the superiority of local and regional understanding that is able to reach various economic sectors in society.","PeriodicalId":385069,"journal":{"name":"Banque Syar'i: Jurnal llmiah Perbankan Syariah","volume":"124 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132869429","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":"Sentiment Analysis on Islamic Stock Exchange During Covid-19","authors":"Nadia Nurul Izza, A. Rusydiana","doi":"10.32678/bs.v9i1.6563","DOIUrl":"https://doi.org/10.32678/bs.v9i1.6563","url":null,"abstract":"During the ongoing COVID-19 pandemic in Indonesia, the financial services sector is still maintained. One of the indicators is the market capitalization value of the Islamic stock market. Based on The Financial Services Authority (OJK) data, in October 2020, the market capitalization value of sharia shares reached IDR 3.061 trillion (51.4%) from the existing IDR 5.957 trillion. The Islamic capital market that continues to develop is an essential component in the national and global financial system. This is evident from the continued capital market assets from year to year. This study aims to determine sentiment towards the Islamic Stock Exchange in the last three years, from 2020 to 2022. There has not been sentiment research on this theme based on the existing literature. The method used is a description of the analysis in a meta-analysis and sentiment from secondary data in metadata from 154 Dimension.ai indexed articles, then processed using Microsoft Excel 2019 and SentiStrength software. The sentiment analysis results show that the expert opinion about Islamic Stock Exchange has a neutral sentiment of 39.6%, a good sentiment (positive) of 37.0%, and the rest have a bad sentiment (negative) of 23.4%. Based on the study results, it was found that the Islamic Stock Exchange trend in the Islamic capital market continues to increase and shows positive performance in economic recovery due to the impact of the COVID-19 pandemic.","PeriodicalId":385069,"journal":{"name":"Banque Syar'i: Jurnal llmiah Perbankan Syariah","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117001492","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":"Analisis Tingkat Kesehatan Bank Syariah di Indonesia Menggunakan Metode Fuzzy Inference System Takagi-Sugeno-Kang","authors":"Havid Risyanto","doi":"10.32678/bs.v9i1.8041","DOIUrl":"https://doi.org/10.32678/bs.v9i1.8041","url":null,"abstract":"This study aims to measure the level of accuracy of the health of Islamic banks in Indonesia using the RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital) method and the Takagi-Sugeno-Kang (TSK) Fuzzy Inference System. Fuzzy Inference System is an Artificial Intelligence method that can measure the level of accuracy well. The application of the Takagi-Sugeno-Kang Fuzzy Inference System in assessing the health level of 12 Islamic banks in Indonesia begins by dividing the data into 40 data for training and 20 for testing. The inputs used are NPL, LDR, ROA, ROE, NIM and CAR. The level of accuracy obtained in the fuzzy system for training data for 2014, 2015, 2016, 2017 and 2018 is 95.4%, 97.7%, 98.2%, 96.8%, and 95.4%. In the testing data, the accuracy value for 2014, 2015, 2016, 2017 and 2018 is 100%.","PeriodicalId":385069,"journal":{"name":"Banque Syar'i: Jurnal llmiah Perbankan Syariah","volume":"53 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126502347","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}