JPS (Jurnal Perbankan Syariah)

Journal Information
ISSN / EISSN : 2721-6241 / 2721-7094
Total articles ≅ 44
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Moh Khoirul Anam, Nadia Kulsum
Jps (jurnal Perbankan Syariah), Volume 3, pp 129-141; https://doi.org/10.46367/jps.v3i2.759

Abstract:
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.
Mardhiyaturrositaningsih Mardhiyaturrositaningsih, Dimas Martha Alif
Jps (jurnal Perbankan Syariah), Volume 3, pp 103-114; https://doi.org/10.46367/jps.v3i2.788

Abstract:
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.
Sulhani Sulhani, Abdul Mughni
Jps (jurnal Perbankan Syariah), Volume 3, pp 85-102; https://doi.org/10.46367/jps.v3i2.737

Abstract:
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.
Khodijah Ishak, Muhammad Isa Selamat, Kiki Candri, Muhammad Fadhil Junery, Siswati Siswati
Jps (jurnal Perbankan Syariah), Volume 3, pp 174-186; https://doi.org/10.46367/jps.v3i2.764

Abstract:
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.
Pelisa Pransiska, Dunyati Ilmiah
Jps (jurnal Perbankan Syariah), Volume 3, pp 160-173; https://doi.org/10.46367/jps.v3i2.779

Abstract:
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.
Eva Puji Astuti, Dunyati Ilmiah
Jps (jurnal Perbankan Syariah), Volume 3, pp 115-128; https://doi.org/10.46367/jps.v3i2.783

Abstract:
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.
Irmawati H. R., Jamaluddin Majid, Suhartono Suhartono
Jps (jurnal Perbankan Syariah), Volume 3, pp 142-159; https://doi.org/10.46367/jps.v3i2.785

Abstract:
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.
Anindita Imam Basri, Ika Desti Yuliana
Jps (jurnal Perbankan Syariah), Volume 3, pp 43-56; https://doi.org/10.46367/jps.v3i1.506

Abstract:
This research aims to show the effect of trust, perceived quality, brand awareness, and brand loyalty on the brand equity of mobile banking users of Bank Syariah Indonesia in the Special Region of Yogyakarta. This research is a quantitative research using secondary data and primary data. The research sampling technique used purposive sampling. The questionnaire was distributed using google form with a sample size of 105 respondents. Data analysis used multiple linear regressions. The results showed that partially trust, brand awareness, and brand loyalty positively and significantly affect brand equity. Perceived quality has no significant effect on brand equity. Simultaneously has a significant effect. Trust, brand awareness, and brand loyalty can be used as factors influencing brand equity and can be used by Bank Syariah Indonesia in increasing the brand equity of mobile banking.
Puji Endah Purnamasari, Intan Iriana Renanda
Jps (jurnal Perbankan Syariah), Volume 3, pp 57-71; https://doi.org/10.46367/jps.v3i1.509

Abstract:
This research aims to show the effect of capital adequacy ratio (CAR), non-performing financing (NPF), and operating costs of operating income (OCOI) on return on assets (ROA) with net interest margin (NIM) as an intervening variable. This quantitative research uses secondary data in panel data with a purposive sampling technique. The sample used was five Islamic commercial banks (ICB) registered with the Financial Services Authority (FSA) from 2016 to 2020. Data analysis uses descriptive, stationary, regression, classical assumptions, and path analysis. This research shows that CAR, NPF, and OCOI partially do not affect NIM. CAR has a positive and significant effect on ROA. OCOI has a negative effect on ROA. NPF does not affect ROA. NIM has a positive and significant effect on ROA. NIM cannot mediate the effect of CAR on ROA. However, NIM can mediate the effect of NPF and OCOI on ROA. This research complements existing theories and can be used to reference ICB in improving performance.
Budi Sukardi, Widiatmini Widiatmini, Fachrurazi Fachrurazi
Jps (jurnal Perbankan Syariah), Volume 3, pp 1-13; https://doi.org/10.46367/jps.v3i1.479

Abstract:
Islamic social reporting as part of the responsibility of Islamic banks in fulfilling Islamic social performance reporting can also be a priority for investors in making investment decisions. The use of the Islamic social reporting Index in the disclosure of company reports aims to fulfill investors' spiritual desires in the form of accountability to Allah. This study aims to determine the effect of firm age, firm size, and profitability on Islamic social reporting disclosure in Indonesian commercial banks. The study used quantitative methods, and the research population used the financial statements of 11 Indonesian Islamic commercial banks registered with the financial services authority (OJK) from 2014 to 2019. The research sample used 5 Indonesian Islamic commercial banks registered with the OJK and published from 2014 to 2019, using a purposive sampling technique. The data analysis technique with panel data was processed using EViews 10. The results showed that company age significantly affected Islamic social reporting disclosures; company size and profitability did not affect Islamic social reporting disclosures. The research has practical implications and contributes to the fulfillment of investor confidence and the accountability of Islamic companies to stakeholders to manage public fund investments according to sharia principles and sharia compliance standards.
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