JPS (Jurnal Perbankan Syariah) http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps <p><a title="Cek ISSN LIPI" href="http://u.lipi.go.id/1584938278" target="_blank" rel="noopener"><strong>pISSN 2721-6241</strong></a> | <a title="Cek ISSN LIPI" href="http://u.lipi.go.id/1584938702" target="_blank" rel="noopener"><strong>eISSN 2721-7094</strong></a><br>JPS (Jurnal Perbankan Syariah) is published in printed form and online, published by LPPM Publishing &amp; Printing under the auspices of Pusat Penelitian dan Pengabdian Masyarakat (PPPM) of Sekolah Tinggi Ekonomi Bengkalis Syariah (STIE) Bengkalis. JPS contains the results of field research and library research or the results of thoughts about banking and Islamic banking. JPS functions as a place for academics, scientists, researchers, practitioners and industry to share views on banking and Islamic banking as outlined in scientific papers.<br>Published in <strong>April</strong> and <strong>October</strong> each year.</p> en-US lppmstiesyariahbengkalis@yahoo.com (Zakaria Batubara) Mon, 13 Apr 2020 00:00:00 +0700 OJS 3.1.2.1 http://blogs.law.harvard.edu/tech/rss 60 Analisis Pembiayaan Multijasa Dengan Akad Ijarah http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/195 <p>The purpose of this research was to determine the practice of multi-service financing with the Ijarah contract at the Sharia People's Financing Bank Berkah Dana Fadhlillah Air Tiris Kampar Regency. This research uses qualitative methods with data collection methods in the form of observation, interviews and literature study. One of the financing products offered by the Sharia People's Financing Bank Berkah Dana Fadhlillah is multi-service financing with an Ijarah contract that aims to obtain service fees (<em>ujrah</em>) in the financing. The multi-service Ijarah Financing at the Sharia People's Financing Bank Berkah Dana Fadhlillah is in accordance with sharia and refers to the fatwa stipulated by the Indonesian Ulema Council No. 09 of 2000 concerning Ijarah and fatwa of the Indonesian Ulema Council No. 44 of 2004 concerning multi-service financing. The multi-service Ijarah financing mechanism at the Sharia People's Financing Bank Berkah Dana Fadhlillah is not complicated but the Sharia People's Financing Bank continues to apply caution in providing financing. That this is one of the factors of people's interest in Ijarah products which are decreasing and not developing every year.</p> Dariana Dariana, Wawan Ismanto Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/195 Mon, 13 Apr 2020 00:00:00 +0700 Perspektif Hukum Islam Terhadap Biaya Penalty Deposito Mudharabah http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/196 <p>This research aims to determine the practice of penalties for taking time <em>Mudharabah</em> deposits before maturity in the perspective of Islamic law at Bank Syariah Mandiri Bengkalis Sub-Branch Office. This research is based on primary and secondary data. Based on the results of the study note that there are customers of Bank Syariah Mandiri Bengkalis Sub-Branch Office who take deposits <em>Mudharabah</em> before maturity, then the customer will be subject to a penalty against funds deposited. By looking at the practice of penalties carried out by Bank Syariah Mandiri Bengkalis Sub-Branch Office is not appropriate and deviates from the theories that apply in Islamic economics. This is because the penalty agreement is not written clearly in the agreement document.</p> Heru Maruta, Imron Imron Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/196 Mon, 13 Apr 2020 00:00:00 +0700 Pengaruh Budaya Dan Persepsi Masyarakat Non Muslim Terhadap Keputusan Menjadi Nasabah Bank Syariah Mandiri Kantor Cabang Pembantu Bengkalis http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/197 <p>This research aims to determine whether the culture and perceptions of non-Muslim communities influence the decision to become a customer at Bank Syariah Mandiri Bengkalis Sub-Branch Office partially and simultaneously. Data analysis techniques used in this study used the test of validity, reliability, hypothesis test, multiple linear regression analysis and determinant coefficient analysis. The results obtained in this study that partially cultural variables and community perceptions significantly influence the decision making to become a customer of Bank Syariah Mandiri Bengkalis Sub-Branch Office. Simultaneously there is a significant influence between culture and perceptions of non-Muslim communities on the decision to become a customer at Bank Syariah Mandiri Bengkalis Sub-Branch Office with an influence of 60.1%.</p> Anshor Wibowo, Nia Hariyati Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/197 Mon, 13 Apr 2020 00:00:00 +0700 Analisa Produk Tabungan BSM Dalam Menarik Minat Nasabah http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/199 <p>Bank Syariah Mandiri Sub-Branch Office Dumai Sukajadi is one of the banks operating based on sharia principles offering fundraising products and one of them is tabungan BSM . The tabungan BSM are based on sharia principles with the <em>mudharabah muthlaqah</em> agreement. This research uses primary data and secondary data. The results showed that the marketing strategy of tabungan BSM products to attract customers of Bank Syariah Mandiri Dumai Sukajadi Sub-Branch Office has been going well, from conducting promotions, socializing, distributing brochures and participating in certain events. In addition, the presence of Bank Syariah Mandiri Dumai Sukajadi Sub-Branch Office is very helpful for customers to open various kinds of savings provided by the Bank Syariah Mandiri Dumai Sukajadi Sub-Branch Office.</p> Khodijah Ishak, Ida Afrida Ningsih Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/199 Mon, 13 Apr 2020 00:00:00 +0700 Analisis Pengaruh Inflasi, Nilai Tukar Dan Bi Rate Terhadap Tabungan Mudharabah Pada Perbankan Syariah Di Indonesia http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/201 <p>This research aims to determine the effect of inflation, exchange rates, and the BI Rate on <em>mudharabah</em> savings in Islamic banking in Indonesia partially and simultaneously. This research is a quantitative study with time-series data. The data used in this study are secondary data. The population in this study is inflation data, the rupiah exchange rate, and the BI Rate and <em>mudharabah</em> savings. The population of Islamic banks in this study totalled 34 Islamic banks. The data analysis technique used in this study is the multiple regression analysis. Partially, inflation, exchange rates or the rupiah exchange rate and the BI Rate have a positive effect on <em>mudharabah</em> savings in Islamic banking in Indonesia. Simultaneously the inflation variable, the exchange rate or the rupiah exchange rate and the BI Rate have a significant effect on <em>mudharabah</em> savings in Islamic banking in Indonesia with an influence of 88.6%.</p> Zakaria Batubara, Eko Nopiandi Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/201 Mon, 13 Apr 2020 00:00:00 +0700 Pengaruh Pendidikan, Profesi Dan Bagi Hasil Terhadap Persepsi Masyarakat Pada Perbankan Syariah http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/203 <p>This research aims to determine whether education, profession and profit-sharing partially and simultaneously affect public perceptions of sharia banking in Siak Kecil District. The data analysis technique used is the validity test, reliability test, normality test, multiple linear regression test, t-test, f test and the coefficient of determination test. The results of this study found that the level of education did not significantly influence people's perceptions of Islamic banking in Siak Kecil District. Then in terms of the profession, there is a significant influence on people's perceptions of Islamic banking in the Siak Kecil District. In terms of revenue sharing, there is a significant influence on people's perceptions of Islamic banking in Siak Kecil District. Simultaneously education, profession and profit-sharing affect people's perceptions of Islamic banking in Siak Kecil District with a large influence of 55.4%.</p> Sri Rahmani, Yuni Asnita Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/203 Mon, 13 Apr 2020 00:00:00 +0700 Analisis Perilaku Konsumen Dan Keamanan Kartu Kredit Perbankan http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/204 <p>This paper discusses consumer behavior and banking credit card security. Credit cards are present as one of the non-cash payment methods that simplify business and financial matters so that many consumers use them. After review and discussion, it was found that consumer behavior in using credit cards is more dominated by personal factors. With the drive for needs and lifestyle, many consumers are interested in using a credit card. The bank as a credit card issuer also provides sophisticated and multi-layered security features. Even so, it still has a gap for the presence of fraud crime in various ways and forms. In order for credit cards to be safe from crime and fraud, consumer behavior must be changed by maintaining confidentiality, caution and vigilance in conducting transactions.</p> Decky Hendarsyah Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/204 Mon, 13 Apr 2020 00:00:00 +0700 Analisis SWOT Sebagai Strategi Meningkatkan Daya Saing http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/205 <p>This research aims to find out how the SWOT analysis as a strategy to improve competitiveness and obstacles in the Bank of Riau Kepri, Pekanbaru Business Unit. The research method used is quantitative descriptive method. The SWOT analysis used is descriptive analysis methods, SWOT matrix and SWOT diagram analysis. Data collection techniques in this study were interviews, questionnaires and literature. The results of this study are the SWOT analysis as a strategy to increase competitiveness needs to be evaluated again so that the formation of good performance from within and from outside the Bank of Riau Kepri, Pekanbaru Sharia Business Unit in advancing these banks throughout Province of Riau and Riau Islands.</p> Mashuri Mashuri, Dwi Nurjannah Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) http://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/205 Mon, 13 Apr 2020 00:00:00 +0700