BANCO: Jurnal Manajemen dan Perbankan Syariah最新文献

{"title":"Shariah Murabahah Financing in Islamic Banks","authors":"Ario makkulau","doi":"10.35905/banco.v5i1.5157","DOIUrl":"https://doi.org/10.35905/banco.v5i1.5157","url":null,"abstract":"Murabahah is the practice of purchasing and selling items while adding a margin for the bank to benefit from. The majority of Indonesian Islamic Banking's overall financing, or about 60%, is currently provided by financing under Murabahah contracts. The research method used in this article is literature analysis which originates from the scientific articles studied. The results of the study show that the application of sharia murabaha financing to Islamic banks is in accordance with the Sharia Banking Act and the DSN-MUI Fatwa, where financing is based on Islamic principles, namely not containing elements of usury, maisir, garar, haram, unjust, and there is contract supervision by the DPS.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115108339","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 Kualitas Pelayanan Terhadap Minat Menabung Nasabah Pada Bank BSI (Bank Syariah Indonesia)","authors":"Nur Falih Anwar","doi":"10.35905/banco.v5i1.5312","DOIUrl":"https://doi.org/10.35905/banco.v5i1.5312","url":null,"abstract":"Penelitian ini dilakukan untuk mengevaluasi tingkat kepuasan nasabah dan niat menabung di Bank Syariah Indonesia (BSI). Penelitian ini menggunakan metode survei kuantitatif sebagai metodologinya. Hingga 30 mahasiswa dari Fakultas Ekonomi dan Bisnis Islam UIN SMH BANTEN telah menanggapi survei tersebut. Teknik statistik untuk analisis deskriptif dan inferensial digunakan untuk memeriksa data yang diperoleh. Tujuan penelitian ini adalah untuk memahami bagaimana minat nasabah menabung di Bank Syariah Indonesia (BSI) dipengaruhi oleh kualitas layanan. Temuan penelitian menunjukkan bahwa minat nasabah untuk menabung di Bank Syariah Indonesia (BSI) dipengaruhi secara positif dan signifikan oleh kualitas layanan. Hubungan antara minat nasabah untuk menabung dan kualitas layanan yang diberikan adalah sedang, yang menyiratkan bahwa hubungan tersebut tidak terlalu kuat atau terlalu lemah namun tetap substansial. Minat nasabah untuk menabung di Bank Syariah Indonesia (BSI) dipengaruhi oleh variabel lain sebesar 71,5% dari variabel tersebut, sedangkan sisanya sebesar 28,5% berasal dari variabel kualitas pelayanan.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114765992","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":"PEMIKIRAN EKONOMI ISLAM IBN TAIMIYAH","authors":"Askar Abu Bakar","doi":"10.35905/banco.v3i2.2597","DOIUrl":"https://doi.org/10.35905/banco.v3i2.2597","url":null,"abstract":"Ibn Taimiyah memberikan jawaban bagi Negara dalam persoalan mekanisme pasar, yaitu menjadi pos peningkatan kualitas yang mendalam untuk membuat masyarakatnya sadar akan pentingnya standar moral dan kualitas moral sebagai aturan kemajuan dan dapat mewujudkannya dalam kehidupan finansial. Seorang Ibnu Taimiyah berpandangan bahwa memandang mekanisme pasar sebenarnya tidak terbatas pada masalah moneter, lebih dari itu mencakup beberapa bagian kehidupan bernegara dan beragama.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128808986","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 EMPLOYEE SPIRITUALITY ON ORGANIZATIONAL BEHAVIOR","authors":"Gifi Wansya Putri Haya","doi":"10.35905/banco.v3i2.2485","DOIUrl":"https://doi.org/10.35905/banco.v3i2.2485","url":null,"abstract":"Artikel ini bertujuan untuk mempelajari spiritualitas dimana hal tersebut merupakan pembahasan baru pada kajian perilaku organisasi. Dengan melaksanakan kajian literatur, artikel ini membahas konsep spiritualitas, perkembangan dan contoh penelitian, serta beberapa konsep teoritis dari penelitian sebelumnya yang bisa dijadikan acuan perkembangan dan pertumbuhan teoritis kajian spiritualitas pada perilaku organisasi. Di era mendatang, kajian spiritualitas bisa dikembangkan lebih lanjut dengan menguatkan landasan teoritis serta meningkatkan desain metodologi penelitian empiris.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"37 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124950366","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 PENGARUH MEMUTUSKAN MENJADI NASABAH BANK SYARIAH SRAGEN DENGAN KEPERCAYAAN SEBAGAI VARIABEL INTERVENING","authors":"Ika Yulianti","doi":"10.35905/banco.v3i2.2036","DOIUrl":"https://doi.org/10.35905/banco.v3i2.2036","url":null,"abstract":"Penelitian ini tujuannya guna menganalisis factor apa saja yang mampu mempengaruhi keputusan nasabah memilih Bank Syaiah Sragen dengan variabel consumer knowledge, halal lifestyle serta reputasi bank terhadap keputusan menjadi nasabah bank syariah Sragen dengan kepercayaan sebagai variable intervening. Dalam penelitin ini, mempergunakan metode kuantitatif. Data yang dipergunakan ialah data  primer, melalui penyebaran koesioner pada responden yakni nasabah Bank Syariah Sragen sebanyak 100 responden. Pengujian hipotesis penelitian ini mempergunakan analisis regresi linier berganda dengan uji t, uji f juga uji koefesien determinasi (Adjuster R2) yang diolah dengan program SPSS versi 24. Hasil penelitian ini menyebutkan bahwa halal lifestyle dan reputasi bank brpengaruh positif dan sgnifikan terhadap keputusan menjadi nasabah Bank Syariah Sragen. Sedangkan consumer knowledge tidak berpengaruh terhadap keputusan menjadi nasabah. Kepercayaan berpengaruh positif dan signifikan terhadap keputusan menjadi nasabah. Serta consumer knowledge serta reputasi juga brpengaruh positif dan signifiikan terhadap kepercayaan. Dan kepercayaan mampu memediasi consumer knowledge dan reputasi bank terhadap kputusn menjadi nasabah.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"19 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129783350","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 PENERAPAN JAMINAN PADA PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH DI PERBANKAN SYARIAH","authors":"Astriah, Muhammad Kamal Zubair","doi":"10.35905/banco.v3i2.2654","DOIUrl":"https://doi.org/10.35905/banco.v3i2.2654","url":null,"abstract":"Astriah. Analisis Penerapan Jaminan Pada Permbiayaan Mudharabah dan Musyarakah di Perbankan Syariah (Dibimbing oleh Muhammad Kamal Zubair dan Nurhayati). \u0000            Perbankan Syariah merupakan lembaga keuangan yang berprinsip syariah dan menerapkan hukum Islam dalam mengambil keputusan. Dalam bentuk penyaluran dana dapat diakses dengan pembiayaan mudharabah dan musyarakah, secara konsep mudharabah dan musyarakah memiliki prinsip amanah (kepercayaan) namun dalam praktiknya bank syariah menerapkan jaminan dalam pembiayaannya, hal ini tidak sesuai dengan prinsip awal dari mudharabah dan musyarakah yaitu sistem amanah. Tujuan penelitian ini ialah mengetahui perbedaan mudharabah dan musyarakah di perbankan syariah serta mengetahui penerapan jaminan yang ada di perbankan syariah. \u0000            Jenis penelitian ini menggunakan pendekatan kepustakaan (library research). Dengan sumber data primer adalah buku “Hukum Jaminan Syariah dan Implementasinya dalam Perbankan Syariah di Indonesia dan buku Rekontruksi Hukum Jaminan Pada Akad Mudharabah” Serta buku lainnya yang terkait sumber data sekunder berasal dari buku, laporan, jurnal, skripsi, disertasi, dan lainnya yang terkait. Teknik pengumpulan datanya dimulai dari membaca referensi, kemudian mengklasifikasikanya sehingga mendapat kesimpulan dari pertanyaan yang didapat sehingga bisa menjawab rumusan masalah. Adapaun teknik analisis datanya yang digunakan adalah metode kompratif. \u0000            Hasil penelian ini menunjukkan bahwa: (1) perbedaan mudharabah dan musyarakah terletak dari segi pengertian, landasan hukum, implementasi pada perbankan syariah, modal, pengelolaan bisnis, nisbah, risiko bisnis, jaminan dan penyelesaian sengketa. (2) Prinsip mudharabah dan musyarakah adalah prinsip kepercayaan, namun dalam praktiknya bank syariah memang menerapkan jaminan sebagai syarat bila terjadi wanprestasi dikemudian hari maka jaminan dapat menggantikan kerugian bank syariah melalui lelang. \u0000Kata kunci: mudharabah, musyarakah, jaminan, perbankan syariah","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126567384","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":"Penerapan Konsep Ekonomi Abu Yusuf Dalam Kitab Al-Kharaj (Perpajakan) Saat Ini","authors":"Eka Dewintara, Sarmila","doi":"10.35905/banco.v3i1.2596","DOIUrl":"https://doi.org/10.35905/banco.v3i1.2596","url":null,"abstract":"Tokoh terkenal Abu Yusuf dengan karya monumentalnya adalah kitab Al-kharaj, yang telah melakukan serangkaian karya luar biasa di bidang perpajakan. Yang ditulis lantaran permintaan dari Khalifah Harun Ar-Rasyid, berfungsi untuk pedoman administrasi perpajakan. Yakni salah satu bagian dari pendapatan pemerintah, pajak semestinya tidak membebani warga negara dengan ukuran tampilan mereka. Tujuan kompilasi ini adalah untuk mempelajari sejarah dan isi kompilasi kitab-kitab Al-kharaj. Tidak hanya itu, artikel ini mengakui konsep perpajakan yang ditulis oleh Abu Yusuf dan relevansinya bagi perekonomian sekarang ini. \u0000Proses yang digunakan dalam penulisan ini adalah metode hipotetis penalaran karakter tentang perilaku, tulisan, dan fenomena yang ada pada saat itu. Ada kemungkinan beberapa aspek, baik internal maupun eksternal, menjadi pemicu untuk mengidentifikasi latar belakang gagasan Abu Yusuf. Temuan menunjukkan bahwa pemikiran pajak Abu Yusuf merupakan salah satu konsep yang digunakan selama ini. Konsep ini digunakan dan diterapkan untuk menentukan persentase penerimaan pajak pemerintah. Konsep Alkharaj digunakan untuk pajak bumi dan bangunan (PBB) dan pendapatan bea cukai.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128595889","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 PERANAN LEADERSHIP SERTA BUDAYA ORGANISASI TERHADAP PERILAKU KARYAWAN","authors":"I. Lestari, M. Mursid","doi":"10.35905/banco.v3i2.2486","DOIUrl":"https://doi.org/10.35905/banco.v3i2.2486","url":null,"abstract":"Organisasi adalah media sekelompok orang yang memiliki tujuan serta ingin dicapai melalui orang-orang yang berada dalam organisasi tersebut. Pencapaian melalui berapa orang tersebut merupakan pokok tercapainya tujuan yang telah direncanakan. Namun banyaknya masyarakat yang menilai suatu keberhasilan dari organisasi atau perusahaan ditautkan dengan adanya rangkaian produksi barang maupun jasa yang berkualitas tinggi dan berkuantitas. Bagian atau unsur terpenting di antara bagian-bagian tersebut yaitu sumber daya manusia (SDM), individual atau tenaga kerja. Dapat diketahui faktor sumber daya manusia atau tenaga kerja merupakan pengendali dari segala macam aktivitas perusahaan. Tujuan organisasi dapat tercapai apabila didukung oleh leadership atau kepempinan dan budaya organisasi yang efektif sehingga kinerja karyawan dapat terus berkembang dan meningkat. Dengan kinerja karyawan meningkat akan berdampak positif pada kinerja organisasi juga. Peningkatan Kinerja karyawan dapat dilakukan dengan memperbaiki atau merubah budaya organisasi yang lebih efektif karena Budaya Orgnaisasi secara positif signifikan mempengaruhi kinerja karyawan.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"38 3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116294163","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":"STRATEGI MARKETING FUNDING DALAM MENINGKATKAN JUMLAH NASABAH DI BANK BNI SYARIAH PAREPARE","authors":"Syariah Parepare, Hardiyanti Tahir, Iain Parepare","doi":"10.35905/banco.v3i2.2156","DOIUrl":"https://doi.org/10.35905/banco.v3i2.2156","url":null,"abstract":"This study discusses the Marketing Funding Strategy in Increasing the Number of Customers at BNI Syariah Parepare Bank. Strategy in a bank is very important because with a good strategy it will facilitate the main job for a marketing funder where a marketing funder is responsible for increasing the number of bank customers. Related to this, the purpose of this research is to find out the Marketing Funding Strategy in Increasing the Number of Customers at BNI Syariah Parepare Bank. \u0000The type of research used in this thesis is a qualitative descriptive method, the source of research data, namely primary data is data obtained directly in the field based on interviews with informants, namely with customers and employees of funding Bank BNI Syariah Parepare and secondary data obtained from several supporting sources such as books, journals and other data sources related to the research title. Data collection techniques used are observation, interviews, and documentation. The data analysis techniques used are data reduction, data presentation, and drawing conclusions. The theory of strategy used in this research is planning, implementation and evaluation. \u0000The results of this study indicate that: 1) The strategic planning carried out by marketing funding in increasing the number of customers at BNI Syariah Parepare is to determine the target goals first, while the target goals of marketing funding at BNI Syariah Parepare are institutions and individual customers. 2) The implementation of the strategy carried out by marketing funding to achieve these goals is by conducting outreach to agencies and for individual customers by conducting direct door to door visits to introduce BNI Syariah products. 3) Evaluation of the strategy carried out by marketing funding at BNI Syariah Parepare is by reviewing internal and external factors, assessing the performance that has been carried out by looking at the achievement of targets whether these targets can be achieved and continue to increase or not and if not achieved then the next step is to carry out One of the corrective actions taken is to continue to improve Islamic bank products and programs so that they are able to attract public interest.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127917224","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":"PREFERENSI MASYARAKAT TERHADAP PRODUK WADI’AH PADA BANK BTN SYARIAH PAREPARE","authors":"Agung Kurniawan, Suarning, M. Rusdi","doi":"10.35905/banco.v3i1.2157","DOIUrl":"https://doi.org/10.35905/banco.v3i1.2157","url":null,"abstract":"This study will examine two problems, namely: How do the products Wadi‟ah at Bank BTN sharia Parepare and What are Community Preferences on Wadi‟ah products at Bank BTN Syariah Parepare. The purpose of this research to find out what people's preferences are when listening and knowing regarding Wadi‟ah products at Bank BTN Syariah Parepare. This type of research is field research that is qualitative descriptive. The approach used is a phenomenological approach. The data collection technique is using the observation method, the dept interviews and documentation. Data analysis techniques using Data Reduction (Data Reduction), Data Display (Data Presentation), Conclusing Drawing/Verification (Draw a conclusion). The results of this study indicate that: 1) Wadi‟ah products at Bank BTN Syariah Parepare are a pure deposit from a party that saves or \u0000entrust to the party receiving the deposit to be used or not used in accordance with mutually agreed terms. Wadi‟ah products in Bank BTN Syariah Parepare uses a profit-sharing system, calculated based on the ratio is multiplied by the Bank's income on the funds deposited by the customer. 2) Public preference for Wadi‟ah products at Bank BTN Syariah Parepare influenced by several preference concepts, namely: Completeness, Transivity, Continuity, and More is better. People's preferences are also affected by several factors, namely: Cultural Factors, Social Factors, Personal Factors, and Psychological Factors","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128937706","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}