https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/issue/feed JPS (Jurnal Perbankan Syariah) 2022-10-22T13:21:13+07:00 Sri Rahmany srirahmanyzahra@gmail.com Open Journal Systems <p align="justify">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 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> <em>in progress</em><br><strong>Editor in Chief:</strong> Sri Rahmany<br><strong>Language:</strong> Bahasa Indonesia and English<br><strong>Author Fees/APC:</strong> Free<br><strong>Publication Frequency:</strong> <strong>April</strong> and <strong>October</strong>&nbsp;each year.</p> https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/737 Menyingkap Fungsi Sosial Perbankan Syariah Dan Pengaruhnya Terhadap Kinerja Keuangan 2022-10-22T13:21:12+07:00 Sulhani Sulhani sulhani@tazkia.ac.id Abdul Mughni abdulmughni@tazkia.ac.id <p align="justify">The social function of Islamic banking is an essential factor in the existence of Islamic banking, and research is still lacking. This study aims to analyze the trend of the social function of Islamic banking, its reporting conformity with accounting standards, and its effect on the financial performance of Islamic banking. The population of this study is Islamic Commercial Banks (ICB) registered with the Financial Services Authority (FSA) from 2014-2019. The sampling technique used purposive sampling and obtained 59 samples. The method of analysis used descriptive analysis and multiple linear regressions. The results show that fines and non-halal income still dominate the social function instrument. Social functions such as zakat, infaq, alms, and waqf tend to be low. Social reports in the form of sources and uses of zakat funds are sufficient. Reports on sources and uses of benevolent funds are also in the sufficient category, but the percentage value is lower. Internal zakat positively affects the performance of Islamic banking as measured by Return on Assets (ROA) and Operating Expenses on Operating Income (BOPO). Other variables do not affect the performance of Islamic banking as measured by ROA, BOPO, and Non-Performing Financing (NPF). This research theoretically confirms that internal zakat can encourage the growth of Islamic banking. Islamic banking must pay attention to social functions, especially zakat, an order from Islam.</p> 2022-10-22T13:03:50+07:00 Copyright (c) 2022 JPS (Jurnal Perbankan Syariah) https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/788 Factors Influencing Customers’ Decisions To Hajj Saving Products In Bank Syariah Indonesia During The Covid-19 Pandemic 2022-10-22T13:21:12+07:00 Mardhiyaturrositaningsih Mardhiyaturrositaningsih mardhiyaturrositaningsih@walisongo.ac.id Dimas Martha Alif dimasmartha230@gmail.com <p align="justify">This research aims to show the influence of brand image, trust, and promotion on customers’ decisions to use Bank Syariah Indonesia Hajj savings during the covid-19 pandemic. The population of this research is the customers of Hajj savings of Bank Syariah Indonesia branch office of MT Haryono, as many as 550 people. Sampling used a random side technique with a Slovin approach to obtain a sample of 100 people. They are collecting data using primary data, namely questionnaires. Data analysis was carried out by testing validity, reliability, classical assumption, and hypothesis testing. The results of this study indicate that brand image and trust do not affect customers’ decisions in using Bank Syariah Indonesia Hajj savings during the covid-19 pandemic. Promotions positively affect customers’ decisions in using Bank Syariah Indonesia Hajj savings during the covid-19 pandemic. This research can complement the existing theory and become a reference for Bank Syariah Indonesia to improve the promotion strategy of Hajj savings products.</p> 2022-10-22T13:05:36+07:00 Copyright (c) 2022 JPS (Jurnal Perbankan Syariah) https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/783 Implementasi Kebijakan Countercyclical Covid-19 Dalam Mitigasi Risiko Pembiayaan Bermasalah 2022-10-22T13:21:12+07:00 Eva Puji Astuti evapujia15@gmail.com Dunyati Ilmiah dunyatiilmy@gmail.com <p align="justify">This study aims to show the implementation of the countercyclical policy of the Financial Services Authority regulation number 11/POJK.03/2020 and the impact of this policy on the risk of non-performing financing, especially at Bank Syariah Indonesia Godean 3 sub-branch office. This study is qualitative research, with data collection tools in the form of interviews and documentation. Data analysis uses the concept of Miles and Huberman: data reduction, data presentation, and conclusions and verification. The results of this study indicate that the countercyclical policy at Bank Syariah Indonesia Godean 3 sub-branches for all financing segments affected by the covid-19 pandemic, namely financing restructuring in the form of reconditioning and financing quality, has returned to normal. The policy is carried out for one year with a financing assessment based on paying instalments accurately. The impact of the Financial Services Authority regulation number 11/POJK.03/2020 for Islamic banks is a decrease in the non-performing financing portfolio; in addition, the provision for allowance for possible losses on productive assets is also reduced. This research contributes to science, especially countercyclical policies, in overcoming economic problems. Then it can be used by Islamic financial institutions as a reference in dealing with non-natural disasters such as the covid-19 pandemic.</p> 2022-10-22T13:07:06+07:00 Copyright (c) 2022 JPS (Jurnal Perbankan Syariah) https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/759 Pengaruh Pengetahuan Dan Pemasaran Terhadap Minat Nasabah Pada Produk Gadai Emas 2022-10-22T13:21:12+07:00 Moh Khoirul Anam m.khoirulanam@umj.ac.id Nadia Kulsum nadiiakullsum982@gmail.com <p align="justify">Pawn gold is the flagship product of Islamic banks, and this product has low risk, is profitable, and has the potential to increase bank assets. This study aimed to show the effect of knowledge and marketing on customer interest in gold pawn products at Bank Jabar Banten Syariah (BJBS) sub-branch office Bumi Serpong Damai, South Tangerang. This research uses quantitative methods using multiple linear regression analysis using SPSS Version 23. The population of this study is customers of BJBS sub-branch office Bumi Serpong Damai who are users of savings products totaling 1,276 people. Measurement of the sample using the Slovin method obtained a total sample of 93 customers. Data was collected by distributing questionnaires to respondents using the incidental method. The results showed that knowledge did not affect customer interest. Marketing has a positive and significant effect on customer interest. Simultaneously, knowledge and marketing significantly affect customer interest, amounting to 69.5%. This research can complement existing theories and be a reference for Islamic banking in gaining customer interest in gold pawn products.</p> 2022-10-22T13:08:36+07:00 Copyright (c) 2022 JPS (Jurnal Perbankan Syariah) https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/785 Faktor-Faktor Yang Mempengaruhi Kinerja Perusahaan Dimoderasi Oleh Financial Technology 2022-10-22T13:21:12+07:00 Irmawati H. R. irmawatihr03@gmail.com Jamaluddin Majid Jamalmajid75@gmail.com Suhartono Suhartono suhart2089@gmail.com <p align="justify">This study analyzes the effect of financial inclusion, financial literacy, and financial behavior on company performance using financial technology as a moderating variable. This study uses quantitative methods. The population in this study is medium-sized businesses in Makassar City. Sampling using purposive sampling in order to obtain a sample of 53. The data of this study is primary data extracted from respondents who have implemented financial technology through questionnaires. Data were analyzed using multiple linear regression techniques and moderate regression analysis (MRA). The study's multiple linear regression results indicate that financial literacy has a significant positive effect on company performance. Financial inclusion and financial behavior do not affect company performance. The MRA results show that financial technology does not moderate the effect of financial inclusion, financial literacy, and financial behavior on company performance. However, the use of financial technology is more appropriate as a predictor. This research contributes as input for relevant agencies to pay special attention to the development of company performance and becomes a facilitator for medium-sized businesses in improving their understanding of financial aspects.</p> 2022-10-22T13:10:14+07:00 Copyright (c) 2022 JPS (Jurnal Perbankan Syariah) https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/779 Perbandingan Rasio Kinerja Bank Syariah Terhadap Pertumbuhan Dana Pihak Ketiga Sebelum Dan Masa Pandemi Covid-19 2022-10-22T13:21:13+07:00 Pelisa Pransiska pelisapransiska545@gmail.com Dunyati Ilmiah dunyatiilmy@almaata.ac.id <p align="justify">The purpose of this study was to analyze the effect of performance ratios, namely capital adequacy ratio (CAR), non-performing financing (NPF), and financing to deposit ratio (FDR), on third-party funds (TPF) at Islamic commercial banks (ICB). Then, analyze the performance ratio and growth of TPF before and during the covid-19 pandemic on ICB. The method in this research uses a quantitative approach. Data collection uses secondary data in the form of documentation. The population of this study is all ICB registered with the financial services authority (FSA) for the 2019-2020 period. Sampling in this study uses purposive sampling. The data analysis technique used multiple linear regression analysis and comparison of paired samples. The results showed that partially CAR, NPF, and FDR did not affect the growth of TPF in ICB. However, CAR, NPF, and FDR simultaneously affect the growth of TPF in ICB. Then the comparison results show no difference in CAR, NPF, and FDR before and during the covid-19 pandemic. However, the growth of TPF shows a significant difference before and during the covid-19 pandemic.</p> 2022-10-22T13:12:36+07:00 Copyright (c) 2022 JPS (Jurnal Perbankan Syariah) https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/764 Permasalahan Credit Crunch Perbankan Syariah Di Indonesia Ditinjau Dari Tawhidi String Relation 2022-10-22T13:21:13+07:00 Khodijah Ishak khodijahishak2@gmail.com Muhammad Isa Selamat isaselamat99@gmail.com Kiki Candri kikicandri0@gmail.com Muhammad Fadhil Junery longfadhil@gmail.com Siswati Siswati siswatiwati347@gmail.com <p align="justify">This study aims to show the problem of the credit crunch in Islamic banking in Indonesia from the perspective of Tawhidi String Relation (TSR). This research is a literature review using library data. The study results show that the main problems that trigger the emergence of a credit crunch in Islamic banking in Indonesia are natural disasters and the lack of availability of Islamic banking capital. Religious values have become a concept and a reference for every Islamic banking activity in Indonesia, which is based on the Al-Quran and Hadith. This research can be used as a reference for increasing the productivity of Islamic banking in maintaining the stability of the national economy. Practically this research can be a basis that can be applied universally in achieving benefits for all people.</p> 2022-10-22T13:13:52+07:00 Copyright (c) 2022 JPS (Jurnal Perbankan Syariah)