JPS (Jurnal Perbankan Syariah) 2020-10-12T08:33:46+07:00 Sri Rahmany Open Journal Systems <p>JPS (Jurnal Perbankan Syariah) published in printed form and online, published by LPPM Publishing &amp; 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 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><strong>Print ISSN:&nbsp;</strong> <a title="Cek ISSN LIPI" href="" target="_blank" rel="noopener"><strong>2721-6241</strong></a><br><strong>Online ISSN: <a title="Cek ISSN LIPI" href="" target="_blank" rel="noopener">2721-7094</a></strong><br><strong>DOI: <a href="" target="_blank" rel="noopener">10.46367/jps</a></strong><br><strong>Accreditation:</strong> <em>in progress</em><br><strong>Editor in Chief:</strong> Sri Rahmany<br><strong>Language:</strong> Bahasa Indonesia and English<br><strong>Published:</strong> <strong>April</strong> and <strong>October</strong>&nbsp;each year.</p> Behavioral Intentions Of Bank Customers 2020-10-12T08:33:46+07:00 Irawan Fakhrudin Mahalizikri Ungsi Antara Oku Marmai Elda Martha Suri <p>The understanding of the people of the Bengkalis Island especially towards sharia banking services is still low. The purpose of this study was to analyze the factors that influence bank customers' switching behavior intentions. This research method uses a quantitative approach and data collection using a questionnaire given to 150 bank customers taken by non-probability sampling and analyzed using SPSS version 16. The results of hypothesis testing indicate that attitudes, subjective norms, perceptions of behavioral control, and ease of the system and the procedure has a positive and significant effect on the intention to switch bank customers, while the social influence and the influence of the image of the bank does not affect the intention to switch bank customers. This research is relevant for management to design service products that make it easy for users to increase user intentions to transact on Islamic banks.</p> 2020-10-12T08:14:45+07:00 Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) Faktor-Faktor Kebijakan Yang Mempengaruhi Tabungan Mudharabah Pada Perbankan Syariah Di Indonesia 2020-10-12T08:33:46+07:00 Sri Rahmani <p>The first Islamic bank as a pioneer did not use an interesting system but instead used a profit-sharing system, namely Bank Muamalat Indonesia. The National Sharia Council has issued a fatwa stating that justified savings are savings based on Islamic principles, namely mudharabah and wadiah. The purpose of this research is to determine the effect of policy factors on mudharabah savings transactions in Islamic banking partially and simultaneously. This research uses a quantitative method where the data is in the form of a ratio. The population in this research 34 Islamic banks in Indonesia and were used as samples. The results of the research are statistically proven partially and simultaneously inflation, exchange rates and the BI Rate have a significant effect on mudharabah savings.</p> 2020-10-12T08:17:36+07:00 Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) Pengaruh Unit Simpan Pinjam Terhadap Peningkatan Kesejahteraan Ekonomi Masyarakat Desa 2020-10-12T08:33:46+07:00 Eka Kusuma Ramadani Dewi Oktayani <p>This research aims to analyze and provide empirical evidence regarding the effect of the Penebal Teguh Mandiri savings and loan unit on improving the economic welfare of the Penebal village community. The problem in this research is that many people still use savings and loan units towards consumptive use. The data analysis method used is a quantitative analysis using validity and reliability tests, simple linear regression analysis, classical assumption test and the coefficient of determination using SPSS. The population used is the Penebal Village community with the criteria being the people who make loans at the Penebal Teguh Mandiri office of Penebal Village. The sample used was 174 people from the Penebal Village community. The results of this research indicate that only 38% of the level of influence of the savings and loan unit on the level of the economic welfare of the Penebal village community.</p> 2020-10-12T08:20:07+07:00 Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) Analisis Sistem Pengelolaan Keuangan Produk Pembiayaan Syariah Dengan Akad Murabahah 2020-10-12T08:33:46+07:00 Wahid Wachyu Adi Winarto Fatimatul Falah <p>Cooperatives for Savings and Loans and Sharia Financing are microfinance institutions that collect funds from the public and distribute them to people who need these funds. The purpose of this study was to determine the financial management system of sharia financing with the murabahah contract in the Baitut Tamwil Tazakka Islamic Savings and Loan Cooperative. This research is qualitative research using interview and documentation methods and obtained primary and secondary data results. The results of this study are that the murabahah contract is one of the most dominant contracts in the Baitut Tamwil Tazakka Sharia Savings and Loan Cooperative. Among the products are funding and financing products. In non-performing financing or bad credit, it is known from Non-Performing Financing 0.4%, so to avoid this, the Saving and Loan and Sharia Financing Cooperatives use the 5C principles, namely Character, Capacity, Capital, Collateral, and Condition.</p> 2020-10-12T08:22:15+07:00 Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) Dimensi Charity Perbankan Syariah 2020-10-12T08:33:46+07:00 Saiful Bahri <p>There are too many words of Allah in the Qur'an regarding donations and alms, at the same time it states that this charity instrument is a fundamental and principal variable in Islamic law which is actually a way of life. The urgency of charity is not only for individuals, but also very useful for financial institutions such as Islamic banking. With the intensification and extensification of charity, it is imperative that these financial institutions gain good blessings in the world, especially for bankers in the afterlife. With a simple method, namely descriptive analysis, this study describes as few facts as the authors know and understand in order to become a source of inspiration for the next good.</p> 2020-10-12T08:24:07+07:00 Copyright (c) 2020 JPS (Jurnal Perbankan Syariah) Pengaruh Sistem Bagi Hasil Deposito Terhadap Persepsi Nasabah 2020-10-12T08:33:46+07:00 Devi Wahyu Arianti Khodijah Ishak <p>Banking is a financial institution that provides services and facilities to its customers who wish to conduct financial transactions. Bank Syariah Mandiri is a sharia financial institution that offers mudharabah time deposits with a profit-sharing agreement. This study aims to determine the effect of the deposit sharing system on customer perceptions at Bank Syariah Mandiri Bengkalis Sub-Branch Office. This research uses quantitative methods with the number of respondents as many as 110 customers. Based on the results of the calculation of the correlation between profit-sharing with customer perceptions has a positive relationship. Then there is a significant influence between profit-sharing on customer perceptions at Bank Syariah Mandiri Bengkalis Sub Branch Office.</p> 2020-10-12T08:26:07+07:00 Copyright (c) 2020 JPS (Jurnal Perbankan Syariah)