JPS (Jurnal Perbankan Syariah)

Comparison Of Murabahah And Musyarakah Mutanaqisah Financing Management Strategies

Uci Ramadani — 2024-04-26

This research analyses the comparison of murabaha and musyarakah mutanaqisah financing management strategies. This research is field research with data sources coming from primary and secondary data through observation, interviews, questionnaires, documentation and focus group discussions (FGD). Data analysis uses a mixed method approach, quantitatively and qualitatively using IFAS, EFAS matrices, SWOT diagrams and SWOT matrices. This research found advantages and disadvantages to murabaha and musyarakah mutanaqisah financing. Murabaha financing is quite familiar compared to musyarakah mutanaqisah financing and is currently in an aggressive strategic position with a strengths-opportunity score of 3.0. This position is very profitable for bank nagari syariah Bukittinggi. For musyarakah mutanaqisah financing, it is currently also in a favourable position. However, under Murabaha financing with a total strengths-opportunity score of 1.15, this position is still profitable for bank nagari syariah Bukittinggi. However, the weakness of musyarakah mutanaqisah means that financing distribution could be more optimal. Mutanaqisah musyarakah financing has incredible strengths and opportunities if it maximises its strategy. This research can complement existing theory and become a reference for bank nagari syariah Bukittinggi in improving its financing management strategy to support financing growth and meet community needs.

Determinants Of Islamic Bank Financing During Economic Turbulence

Mardiah Mutiara Puspitasari Selian — 2024-04-26

The Covid-19 outbreak has caused turbulence in Indonesia's economic growth, thereby disrupting the performance of Islamic banks, especially in the distribution of financing. This research examines the influence of economic turbulence, third-party deposits, bank size, capital and profitability on financing disbursed by Islamic banks in Indonesia. The population of this research is Islamic commercial banks in Indonesia in the 2017-2022 period. The sample selection used a purposive sampling method and obtained ten Islamic banks. The data analysis technique uses panel data analysis with a fixed effect model. The research results prove that third-party deposits positively and significantly impact financing, while bank size and capital negatively and significantly impact financing. However, economic turbulence and profitability do not affect financing. When financing is divided based on contracts, economic turbulence negatively impacts profit-sharing-based financing, and profitability negatively impacts receivables-based financing. These findings can be a reference for Islamic banks to maintain the availability of third-party deposit funds to support financing expansion and further optimize their capital by channelling it to more productive assets in the form of financing. These findings can complement existing theories and support the business cycle theory that Islamic banks tighten financing based on profit sharing, which carries higher risks.

Evaluation Of The Financial Performance Of Bank Syariah Indonesia Using The Camel Method

Izzatul Maula Fi Amanillah — 2024-04-26

Financial performance is essential for banking institutions. Good financial performance can increase public confidence in investing capital and applying for financing to banks. This research aims to evaluate the financial performance of Bank Syariah Indonesia after the merger. This research uses a descriptive quantitative approach with data sources in the form of secondary data. The data collection technique uses documentation from Bank Syariah Indonesia's financial reports for 2021-2023. The data analysis technique uses the CAMEL method: capital, assets, management, earnings and liquidity. The research results show that the capital aspect from 2021 to 2023 falls within the excellent criteria. The asset aspect from 2021 to 2023 is included in the excellent criteria. The management aspect from 2021 to 2023 falls into the suitable criteria. The earnings aspect from 2021 to 2023 is included in the excellent criteria. The excellent criteria include the liquidity aspect from 2021 to 2023. Bank Syariah Indonesia's financial performance after the merger from 2021 to 2023 is healthy. This research can be used as reference material for evaluating Bank Syariah Indonesia and improving its financial performance in the future. Then, it can also be a reference for stakeholders in making decisions.

Motives For Fraudulent Behavior In Islamic Bank: Hexagon Model Of Perspective Fraud

Merry Meilany — 2024-04-26

This research explores the motives for fraudulent behaviour using the fraud hexagon model approach in Islamic Bank X, city Y. This research is qualitative research with primary data sources. Data collection was carried out through unstructured interviews and then deepened through observation. The informants for this research consisted of 7 people who had worked and were currently working in several parts of Islamic Bank X, city Y. This research used qualitative data analysis techniques with three stages in the form of data reduction, data presentation and conclusion. This research reveals the motives for fraudulent behaviour at Islamic Bank X in City Y from the perceptive fraud hexagon model. Fraudulent behaviour is based on the perpetrator's intention and is driven by motives in the form of pressure, rationalization, opportunity, ability, arrogance and collusion. Companies can use the results of this research to consider strategies and policies for controlling risks against fraud. The results of this research can also be helpful for Islamic Banks regarding the suitability of a person's position. Sharia banks must develop their human resources well so that there is a balance between employee rights and obligations.

Factors Influencing Gen Z's Intention In Adopting Islamic Fintech Payment Digital Services

Fitri Syakinah — 2024-04-26

Extensive studies on Islamic financial technology (fintech) have been conducted, while attention to its specific impact on Generation Z still needs to be paid. This research analyses the influence of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit on Generation Z's intention to adopt a Sharia-compliant digital fintech payment system. This research uses a survey-based quantitative approach. This research relies on primary data sources through questionnaires. The population of this study was Generation Z from the Garut district, while the sampling technique used random samples using Hair measurements, so 143 samples were obtained. The data analysis technique uses SEM-PLS, assisted by the SmartPLS application. The research results prove that social influence and habit have a positive and significant effect on Generation Z's intention to adopt Islamic fintech digital payment services, while performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, and price value have no effect on Generation Z's intention to adopt payment services Islamic digital fintech. This research can become literature for further research. It can be used as a reference for the Islamic fintech industry to develop products and services that are more attractive to Generation Z.

Optimizing Islamic Bank Customer Satisfaction Through Mobile Banking And Internet Banking Services

Muchammad Damar Galih — 2024-04-26

This research aims to analyze the optimization of customer satisfaction through mobile and internet banking services at the Bank Syariah Indonesia (BSI) Jombang branch office. This research is field research using qualitative methods through a case study approach. Data was collected through in-depth interviews with six informants from BSI customers who actively use mobile and internet banking. The data analysis technique used is interactive analysis with several steps: data reduction, data presentation, and conclusions. The research results show that evaluating the user interface of mobile and internet banking services is necessary. Banks must improve the security of mobile and internet banking systems. Preparing for bank credibility and good integration between mobile and internet banking services, the bank needs to improve customer service to be more responsive and informative in mobile banking and internet banking services. This research can be a reference for future research and can be a reference for Islamic banking in optimizing online services, especially for BSI.

Determinants Of Murabaha Margin Income Of Islamic Commercial Banks In Indonesia

Abdul Nasser Hasibuan — 2024-04-26

This research aims to analyze and show the influence of overhead costs, risk costs and Wadiah savings on Murabaha margin income at Islamic commercial banks (ICB) in Indonesia. This research method uses a quantitative approach, and the data used is secondary data. The population of this study was ICB for 2020-2023. The sampling technique used purposive sampling to obtain a sample of 8 ICB with 32 observation data. Data collection techniques in this research used documentation and a literature study. The data analysis technique uses multiple linear regression. The results of this research indicate that overhead costs have a positive effect on Murabaha's margin income. Risk costs do not affect Murabaha's margin income. Wadiah's savings have a positive effect on Murabaha's margin income. The results of this research can complement existing theories and become a reference for future research. Then, it can become a reference for ICB in increasing the amount of Murabaha's margin income through increasing overhead costs and Wadiah savings, as well as reducing risk costs collected from the community.

Bibliometric Analysis Of Islamic Letters Of Credit

Siti Fatimah Azzahro — 2024-04-26

Research mapping is essential to describe the topic and appropriate references before conducting research, including Islamic letters of credit. This research aims to review the literature on Islamic letters of credit. This research is a literature review using bibliometric methods with the Dimensions database. The keyword used in the article search is Islamic letter of credit. The data found and processed was 56 articles published from 2010-2023. The data was processed using Microsoft Excel and Bibilioshiny R programs. This research shows that most of the most productive writers come from Malaysia and Turkey. A topic that can be developed for further research is Islamic economic contracts linked to Islamic letters of credit. This research can be used as a reference for future research, as well as information regarding research gaps and an overview of research conditions regarding Islamic letters of credit, which will be developed to be broader and more varied.

Islamic Bank Performance Assessment Using SATF Value

Andi Muhammad Rizal — 2024-04-26

This study aims to evaluate the performance of Islamic banks based on the shidiq, amanah, tabligh, and fathona (SATF value) approach. The type of research is descriptive quantitative using secondary data. The research population is all Islamic Commercial Banks (ICB) operating in Indonesia for 2018-2022. The sampling technique uses saturated samples. The data combines ICB annual financial reports issued by the Financial Services Authority (FSA) and literature studies. The data analysis technique uses simple additive weighting (SAW). The research results show that Shidiq's performance shows high public confidence in Islamic bank savings products. Amanah's performance shows that the distribution of financing and carrying out responsibilities to bring benefits still need to be higher. Tabligh's performance shows that the level of Islamic compliance carried out by banking operations is Islamic. Fathona's performance shows that Islamic banking still needs to be optimal in increasing human resources (HR) capability or quality. Overall, the results of evaluating the performance of Islamic banking in Indonesia using the SATF value model during 2018-2022 are entirely satisfactory, with the SATF performance value increasing from year to year. The results of this research can be a reference for future research and provide valuable guidance for maintaining and improving Islamic banking performance while actively correcting any identified weaknesses or deficiencies.

Implementation Of Murabaha Financing In Baitul Maal Wat Tamwil: A SWOT Analysis

Nur Ma'rifah Assodiqoh — 2024-04-26

This research uses the SWOT approach to review Murabaha financing at Baitul Maal Wat Tamwil (BMT). This research is field research, with primary and secondary data sources, such as questionnaires, interviews, and literature. The research sample consisted of 20 people and three informants. Data analysis uses a mixed method approach, quantitatively and qualitatively, with the IFAS, EFAS and SWOT matrices. The research results found that several internal and external factors need to be evaluated, such as public trust, quality leadership, networks and partnerships, excellent and friendly service, practical procedures, and strategic location, which are assets that organizations can utilize to socialize Murabaha financing in the community. Meanwhile, external opportunities such as support from government agencies, a majority Muslim community, and local marketing strategies offer further growth and development potential. However, there are areas for improvement in education and awareness, product and service innovation, limited resources, and local marketing strategies that need to be overcome. Furthermore, threats from many competitors, the same target market, and a low public understanding of Islamic financing exist. This research can be helpful as a reference for future research and then become a reference for BMT in aligning organizational strategy with internal strengths and external opportunities, as well as overcoming existing weaknesses and threats.

Good Corporate Governance Toward Financial Performance Of Islamic Bank In Indonesia

Nur Diana — 2024-04-26

This research aims to analyze the influence of good corporate governance (GCG) on the financial performance of Islamic banks in Indonesia. This study uses a quantitative approach. The population in this research is 16 Islamic banks registered with the Financial Services Authority (FSA) for the 2021-2022 period. The sample used was 10 Islamic banks that issued quarterly report data. Sample selection was carried out using the purposive sampling method. The data collection technique uses secondary data in Islamic bank documentation and is processed using the SPSS 25 application with multiple linear regression tests. The results of this research are that the board of commissioners has a negative effect on the financial performance of Islamic banks, and the board of directors has a positive effect on the financial performance of Islamic banks. In contrast, the Sharia supervisory board does not affect the financial performance of Islamic banks. Theoretical research can complement existing theories and be a reference for future research. This research can be a reference for Islamic banking in analyzing corporate governance standards to provide investors with more knowledge and understanding about the financial performance of Islamic banking and enable investors to make the right decisions.

A Bibliometric And Sentiment Analysis On Sharia Credit Card

Nadiyah Mu’adzah — 2024-04-26

This research aims to analyze previous research trends regarding Sharia credit cards and the sentiment of this research regarding law from an Islamic perspective. This research is a literature review that uses secondary data from 55 articles related to Sharia credit cards on Dimensions.ai. The data analysis techniques used are meta-analysis, bibliometric, and sentiment analysis, which are processed using Microsoft Excel 2019, VOSViewer, and SentiStrength software. The results of this study indicate that the development of scientific literature publications on Sharia credit cards fluctuated yearly. Sentiment analysis shows a tendency for positive perceptions rather than negative perceptions about the existence and laws of Sharia credit cards, but neutral perceptions dominate. This study found five relevant research topics related to Sharia credit cards. This study can be used as a reference in identifying influential authors, articles, and journals as well as relevant topics so that future researchers will find it easier to find references and topics of interest to developing literature on Sharia credit cards.