https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/issue/feedJPS (Jurnal Perbankan Syariah)2024-10-24T08:18:26+00:00Sri Rahmanysrirahmany2@gmail.comOpen Journal Systems<p align="justify">JPS (Jurnal Perbankan Syariah) published in printed form and online, published by LPPM Publishing & Printing under the auspices of Pusat Penelitian dan Pengabdian Masyarakat of Sekolah Tinggi Ilmu Ekonomi Syariah Bengkalis. JPS contains the results of field research and library research (systematic literature review "SLR" or bibliometric) 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><strong>Print ISSN: </strong> <a title="Cek ISSN BRIN" href="https://issn.brin.go.id/terbit/detail/1584938278" target="_blank" rel="noopener"><strong>2721-6241</strong></a><br><strong>Online ISSN: <a title="Cek ISSN BRIN" href="https://issn.brin.go.id/terbit/detail/1584938702" target="_blank" rel="noopener">2721-7094</a></strong><br><strong>DOI: <a href="https://doi.org/10.46367/jps" target="_blank" rel="noopener">10.46367/jps</a></strong><br><strong>Accreditation:</strong> Sinta 4 (<a title="Please check and input e-ISSN: 27217094" href="https://arjuna.kemdikbud.go.id/#/jurnal" target="_blank" rel="noopener">Waiting for reaccreditation results</a>)<br><strong>Editor in Chief:</strong> Sri Rahmany<br><strong>Language:</strong> Bahasa Indonesia and English<br><strong>Author Fees/APC:</strong> 500,000 IDR (Starting in 2024)<br><strong>Publication Frequency:</strong> <strong>April</strong> and <strong>October</strong> each year.</p>https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/1890Boosting Islamic Bank Profitability: Governance, Disclosure, And Stakeholder Satisfaction2024-10-24T08:18:24+00:00Donny Maha Putradonny.mp@upnvj.ac.id<p align="justify">This study investigates how financial disclosure (SBFd), governance implementation (GGIsb), and social responsibility disclosure (SBSRd) affect profitability (SBP) and stakeholder satisfaction (SS), which are also mediating factors. This study uses a quantitative approach with secondary data in financial reports. The sample study involved 65 data of financial statements and reports annually collected during 2019-2022 from 13 Islamic Banks in Indonesia. The results show that SBFd and GGIsb positively impact SS and SBP. In contrast, SBSRd does not affect SBP and SS. Meanwhile, SS positively impacts SBP and has a good mediator effect on all correlations. This study confirms the stakeholder theory of the importance of transparency and good governance in improving the performance of finance and the mediating role of stakeholder satisfaction. Practical implications include recommendations to raise financial disclosure quality and strengthen governance mechanisms initiatives more effectively. The findings provide new insights for academics and practitioners in understanding the dynamics between operational factors and financially optimized banking sharia in the Indonesian context.</p>2024-10-24T07:31:18+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/1794Perceived Benefits And Perceived Behavioral Control Toward Fintech Adoption Intention In Banking Products2024-10-24T08:18:24+00:00Michael Marcomichael.115190263@stu.untar.ac.idAgus Zainul Arifinaguszarifin@gmail.com<p align="justify">This study aims to verify the relationship between perceived benefits and perceived behavioral control on fintech adoption intention on banking products and services in Indonesia. This quantitative study uses the technology acceptance model (TAM) approach and the theory of planned behavior (TPB). The sampling technique uses purposive sampling, with a sample size of 545 respondents. The data source used is primary data. Data were collected by distributing questionnaires built using Google Forms and distributed through social media. The data analysis technique uses a structural equation model based on partial least squares (SEM-PLS) with the help of SmartPLS software. The study's results prove that perceived benefits and perceived behavioral control positively affect fintech adoption intention. This study can theoretically prove that the TAM and TPB theories can be applied together and explain the relationship between research variables. Practically, the TAM and TPB theories can be used together as a policy-making model for implementing fintech innovation in banking.</p>2024-10-24T07:32:57+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/1979Stability Of Islamic Commercial Banks In Indonesia: Company Size, Profitability, And Efficiency2024-10-24T08:18:24+00:00Annisa Nur Hasanahannisaica85@gmail.comUmiyati Umiyatiumiyati@uinjkt.ac.id<p align="justify">This study aims to analyze the effect of company size, profitability, and efficiency on the stability of Islamic commercial banks (ICB). This study uses a quantitative approach. The population of this study is Islamic commercial banks, and the sampling technique used is purposive sampling, obtained from four ICBs. The data source used is secondary data from each ICB's financial statements. The data analysis technique used is panel data regression analysis using e-views software version 13. The results of this study indicate that company size positively affects ICB's stability. However, profitability negatively affects ICB's stability. In contrast, efficiency does not affect ICB's stability. This study can complement existing theories, especially regarding the effect of size on company stability, and can be a reference for further research. Practically, this study can be a reference for banks in maintaining the stability of company operations in terms of company size and profitability.</p>2024-10-24T07:34:42+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/1969Mediating Role Of Brand Image In Digital Marketing And E-WOM On Islamic Bank Customer Decisions2024-10-24T08:18:24+00:00Farah Esti Maulidiamufti.alam@pbs.uad.ac.idMufti Alam Adhamufti.alam@pbs.uad.ac.idRofiul Wahyudimufti.alam@pbs.uad.ac.id<p align="justify">The present study aims to analyze the effects of digital marketing and Electronic Word of Mouth (E-WOM) on brand image, then examine the effects of digital marketing and Electronic Word of Mouth on the decision to be an Islamic bank customer and analyze the effects of digital marketing and Electronic Word of Mouth on the decision to be an Islamic bank customer through brand image as a mediating variable. The research type used in the present study was quantitative, using primary data obtained by distributing questionnaires. By distributing questionnaires, 100 respondent data was found and analyzed using SPSS version 26. The sampling techniques used by the author were the snowball sampling technique and nonprobability sampling. The criteria for the research sample were Islamic bank customers and social media users. Because the size of the research population was unknown, the present study used Lemeshow’s formula. The research results showed that digital marketing had a significant effect on brand image, Electronic Word of Mouth had a considerable effect on brand image, and digital marketing significantly affected the decision to become an Islamic bank customer. In contrast, Electronic Word of Mouth did not significantly affect the decision to be an Islamic bank customer. Brand image positively and significantly affects the decision to become a customer.</p>2024-10-24T07:36:14+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/1998Sharia Compliance And Intellectual Capital Toward Protability Of Islamic Commercial Banks In Indonesia2024-10-24T08:18:24+00:00Rianti Agmarin Ningrumriantiagmarin@gmail.comUmiyati Umiyatiumiyati@uinjkt.ac.id<p align="justify">This study aims to analyze the effect of sharia compliance (SC) proxied by profit sharing ratio (PSR), zakat performance ratio (ZPR), Islamic income ratio (IsIR), directors-employees welfare ratio (DEWR), and intellectual capital (IC) on profitability (return on assets-ROA) of Islamic commercial banks (ICB) in Indonesia. The population of this study was 13 Islamic commercial banks in Indonesia registered with the Financial Services Authority (FSA). The sample was selected using purposive sampling, so 8 ICB were obtained for the study. The data source used is secondary data from each ICB in Indonesia's annual report for 2019-2023. Data analysis uses panel data regression with an analysis tool in the form of Eviews Version 12.0. The results of the study show that PSR positively affects ROA. ZPR and DEWR negatively affect ROA. However, IsIR and IC do not affect ROA. The implications of this study can complement existing theories and be a reference for further research. In practice, this research can be used as reference material for Islamic banking in optimizing performance, evaluating banking to create competitive advantage values, and identifying assessments in decision-making for the community.</p>2024-10-24T07:37:55+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/2017Strategies To Improve Financial Technology Literacy For Millennials And Generation Z2024-10-24T08:18:24+00:00Rizki Audina Putririzkiaudina@gmail.comKhodijah Ishakkhodijah@stiesyariahbengkalis.ac.id<p align="justify">This study analyses the problems and priorities of strategies to improve financial technology literacy, especially among Millennials and Generation Z. This mixed method study uses the analytic network process (ANP) approach. The data sources used are primary and secondary data. Interviews, questionnaires, and literature carried out data collection techniques. Interviews and questionnaires were conducted with seven informants: one regulator, three academics, and three online loan users. The study results showed that the geometric mean determined the priority of fintech literacy problems. The prioritized aspects are the need for more public understanding of online loans, interest rates, and community needs. The priority strategy in improving fintech literacy among Millennials and Generation Z in Bengkalis Regency is to carry out Sharia literacy regarding online loans, regulate online loan interest rates, and reduce the community's need for online loans. Theoretically, this study strengthens the validity of the trade-off theory and provides new insights into strategies to improve fintech literacy. Practically, it contributes to providing strategies to improve fintech literacy for stakeholders.</p>2024-10-24T07:39:41+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/2077MSME Lending And Bank Efficiency: Comparison Between Indonesia And Malaysia2024-10-24T08:18:25+00:00Dwiyanjana Santyo Nugrohosantyonug@gmail.comTri Susilo Wahyu Ajitri.susilo@mail.unnes.ac.id<p align="justify">MSMEs are one of the pillars of the country's economy; banking has a role in facilitating financing for MSMEs so that they can proliferate. On the other hand, banks must consider the cost efficiency they produce, considering that MSMEs are one of the sectors with high credit risk. This study aims to prove that financing for MSMEs can increase bank efficiency and that there are differences between banking in Indonesia and Malaysia. This study uses quantitative with an associative and comparative approach. The population of this study is banks listed on the Indonesia Stock Exchange and Bursa Malaysia in the 2020-2023 period. The Indonesian sample technique uses the purposive sampling method, and Malaysia uses the saturated sample method. The analysis technique uses stochastic frontier analysis (SFA), multiple linear regression, and difference tests with the help of statistical tools like Stata 17. The findings of the study show that financing for MSMEs affects bank efficiency. There is no difference between bank efficiency in Malaysia and Indonesia, but there is a significant difference between MSME financing in Malaysia and Indonesia. The theoretical implications of this study complement the theory regarding the relationship between MSME financing and bank efficiency. The practical implications of this research can provide recommendations to regulators in Indonesia to boost banking by increasing the financing ratio to MSMEs.</p>2024-10-24T07:46:54+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/2078Women's Leadership And Banking Productivity: Mediating Role Of Artificial Intelligence2024-10-24T08:18:25+00:00Muhammad Umar Dataumar.kosmis@gmail.comFirmansyah Halimumar.kosmis@gmail.comAlya Dhea Amandaumar.kosmis@gmail.com<p align="justify">This study aims to analyze the influence of women's leadership on banking productivity with artificial intelligence (AI) as a mediator. This study involved 90 employees of Bank SulSelBar Makassar, where the entire population was sampled (saturated sample). The method used is quantitative, using primary data collected through questionnaires. The data analysis technique used structural equation modeling (SEM) to evaluate the relationship between variables with the help of SmartPLS software version 3.0. The study results indicate that women's leadership positively affects banking productivity and the implementation of AI. However, the implementation of AI itself does not affect banking productivity. AI cannot mediate the influence of women's leadership on banking productivity. This study advises banks to continue supporting inclusive women's leadership and adopt advanced technology to increase productivity. Theoretically, this study does not support the assumption that technology such as AI will automatically increase productivity without considering the context of leadership. The application of AI needs to be carried out optimally by considering the technology's suitability for banking needs.</p>2024-10-24T07:48:17+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/2056Factors Influencing Generation Z's Purchasing Intention In BSI Mobile Gold Installments2024-10-24T08:18:25+00:00Siska Ameliasiska29amel@gmail.comMuniaty Aisyahmuniaty.aisyah@uinjkt.ac.id<p align="justify">This study aims to analyze the influence of corporate image, content marketing, and price on the interest in buying BSI Mobile gold installment products among Generation Z. This study uses a quantitative approach with sampling through a purposive sampling method that was tested on 100 respondents who are Instagram followers @lifewithbsi from generation Z. The primary data source used was an online questionnaire distribution. The analysis technique used is the structural equation model - partial least square (SEM-PLS) using the SmartPLS analysis tool. This study found that corporate image and content marketing positively influence buying interest. At the same time, price does not affect buying interest. Theoretically, this study can provide information and supporting literature for the academic community in similar studies in the future. Practically, this study can be helpful to BSI in terms of corporate image and content marketing to increase the interest of customers and prospective customers from Generation Z in using its products.</p>2024-10-24T07:50:02+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/2066Perceptions And Interests Of Young Entrepreneurs In Sharia-Based Business Finance2024-10-24T08:18:25+00:00Fitri Wahyunifwahyuni148@gmail.comAlex Wissalam Bustamialexwissalambustami@gmail.com<p align="justify">This study analyses the perception and interest of young entrepreneurs in Sharia-based business financing at BSI in Sungai Penuh City, Jambi. This study uses a qualitative approach with primary data from interviews. Interviews were conducted directly with six informants. The data analysis technique uses the Miles and Huberman approach with the following stages: data reduction, data presentation, verification, and conclusion. The results of the study indicate that the perception of young entrepreneurs towards Sharia-based loans is generally very positive; they understand the basic principles of Sharia in financing without interest and the application of profit sharing. Young entrepreneurs also recognize the benefits of sharia financing, such as easy access and simple procedures. On the other hand, the interest of young entrepreneurs in Sharia financing is still relatively low. This is due to the need for more socialization and support from Sharia financial institutions and limited financing options. Theoretically, this study can be used as a reference for relevant research in the future. Practically, this study can be a reference for Sharia financial institutions in designing marketing strategies and developing financing products that meet prospective customers' needs so that they can have a positive impact and increase interest and awareness of the importance of Sharia financing among young entrepreneurs.</p>2024-10-24T07:52:20+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/2081Indonesian Capital Market Investors' Reaction To The Events At Bank Syariah Indonesia2024-10-24T08:18:25+00:00Yohana Carolinycarolin11@gmail.com<p align="justify">This study aims to analyze whether there are differences in internal and external events in abnormal profits, trading volume activity, and foreign investment in the stock market for BRIS issuers since the merger announcement and the ratification of the Bank Syariah Indonesia merger. This study is quantitative, where the data processed is secondary data from various sources. Several events during the merger period were collected from October 2020 to February 2021, and 11 events were obtained. This study divides the events into two groups and tests 5 internal and 6 external events with an event window of 11 days. The method used in this study is a different test using the Wilcoxon sign rank test and sample paired t-test, depending on the normal test results. The results of group testing events show no difference before and after internal and external events in abnormal profits, trading volume activity, and foreign investment. However, when viewed from each event, the results show that trading volume activity in events 1, 7, and 11 differs before and after. For foreign investment in events 7 and 11, there are differences before and after; for the rest, there is no difference. This research can provide insight and be a reference for future research. Practically, this research can be a reference for investors when determining investment decisions.</p>2024-10-24T07:54:05+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/2096Profit Quality, Islamic Corporate Social Responsibility And Company Values: Islamic Corporate Governance As Moderation2024-10-24T08:18:25+00:00Elda Maharanieldamhrn@gmail.comHeri Kurniawanheri.kurniawan@uinsalatiga.ac.id<p align="justify">This study aims to analyze the effect of profit quality and Islamic corporate social responsibility (ICSR) on firm value moderated by Islamic corporate governance (ICG). This study uses a quantitative approach. The population used is all Islamic Commercial Banks (ICB) registered with the Financial Services Authority (FSA) in 2018-2023. The sampling technique used purposive sampling and obtained 11 ICB samples. The data source used is secondary data in the form of documentation of each BUS's financial statements. This study uses multiple linear regression analysis techniques. The results of this study indicate that profit quality negatively affects firm value. ICSR positively affects firm value. ICG is unable to moderate the relationship between profit quality and firm value. ICG is unable to moderate the relationship between ICSR and firm value. This study can complement existing theories and be a reference for future research. This study can also be a reference for ICB in increasing ICB value, especially regarding profit quality and ICSR.</p>2024-10-24T07:55:25+00:00Copyright (c) 2024 JPS (Jurnal Perbankan Syariah)