JPS (Jurnal Perbankan Syariah)
JPS (Jurnal Perbankan Syariah) terbit dalam bentuk tercetak dan online, diterbitkan oleh LPPM Publishing & Printing yang berada dibawah naungan Pusat Penelitian dan Pengabdian Masyarakat (PPPM) Sekolah Tinggi Ilmu Ekonomi (STIE) Syariah Bengkalis. JPS berisi hasil penelitian lapangan dan penelitian pustaka atau hasil pemikiran tentang perbankan dan perbankan syariah. JPS berfungsi sebagai tempat untuk akademisi, ilmuwan, peneliti, praktisi dan kalangan industri dalam berbagi pandangan mengenai perbankan dan perbankan syariah yang dituangkan kedalam makalah ilmiah. Fokus utama JPS adalah: Perbankan Syariah, Perbankan, Lembaga Keuangan Non Bank, Sistem Informasi Bank Islam, Akuntansi Bank Islam, Audit Bank Islam, Manajemen Bank Islam, Manajemen Risiko Perbankan Syariah, Manajemen Pemasaran Perbankan Syariah, Perancangan Hukum Bank Islam, Manajemen Likuiditas Bank Syariah , Analisis Laporan Keuangan Bank Syariah, Etika Perbankan Islam. Terbit bulan April dan Oktober setiap tahunnya.
Articles
60 Documents
<![CDATA[Analisis Pembiayaan Multijasa Dengan Akad Ijarah ]]>
<![CDATA[Dariana Dariana]]>;
<![CDATA[Wawan Ismanto]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM Publishing & Printing ]]>
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DOI: 10.46367/jps.v1i1.195
<![CDATA[The purpose of this research was to determine the practice of multi-service financing with the Ijarah contract at the Sharia People's Financing Bank Berkah Dana Fadhlillah Air Tiris Kampar Regency. This research uses qualitative methods with data collection methods in the form of observation, interviews and literature study. One of the financing products offered by the Sharia People's Financing Bank Berkah Dana Fadhlillah is multi-service financing with an Ijarah contract that aims to obtain service fees (ujrah) in the financing. The multi-service Ijarah Financing at the Sharia People's Financing Bank Berkah Dana Fadhlillah is in accordance with sharia and refers to the fatwa stipulated by the Indonesian Ulema Council No. 09 of 2000 concerning Ijarah and fatwa of the Indonesian Ulema Council No. 44 of 2004 concerning multi-service financing. The multi-service Ijarah financing mechanism at the Sharia People's Financing Bank Berkah Dana Fadhlillah is not complicated but the Sharia People's Financing Bank continues to apply caution in providing financing. That this is one of the factors of people's interest in Ijarah products which are decreasing and not developing every year.]]>
<![CDATA[Perspektif Hukum Islam Terhadap Biaya Penalty Deposito Mudharabah ]]>
<![CDATA[Heru Maruta]]>;
<![CDATA[Imron Imron]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM Publishing & Printing ]]>
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DOI: 10.46367/jps.v1i1.196
<![CDATA[This research aims to determine the practice of penalties for taking time Mudharabah deposits before maturity in the perspective of Islamic law at Bank Syariah Mandiri Bengkalis Sub-Branch Office. This research is based on primary and secondary data. Based on the results of the study note that there are customers of Bank Syariah Mandiri Bengkalis Sub-Branch Office who take deposits Mudharabah before maturity, then the customer will be subject to a penalty against funds deposited. By looking at the practice of penalties carried out by Bank Syariah Mandiri Bengkalis Sub-Branch Office is not appropriate and deviates from the theories that apply in Islamic economics. This is because the penalty agreement is not written clearly in the agreement document.]]>
<![CDATA[Pengaruh Budaya Dan Persepsi Masyarakat Non Muslim Terhadap Keputusan Menjadi Nasabah Bank Syariah Mandiri Kantor Cabang Pembantu Bengkalis ]]>
<![CDATA[Anshor Wibowo]]>;
<![CDATA[Nia Hariyati]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM Publishing & Printing ]]>
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DOI: 10.46367/jps.v1i1.197
<![CDATA[This research aims to determine whether the culture and perceptions of non-Muslim communities influence the decision to become a customer at Bank Syariah Mandiri Bengkalis Sub-Branch Office partially and simultaneously. Data analysis techniques used in this study used the test of validity, reliability, hypothesis test, multiple linear regression analysis and determinant coefficient analysis. The results obtained in this study that partially cultural variables and community perceptions significantly influence the decision making to become a customer of Bank Syariah Mandiri Bengkalis Sub-Branch Office. Simultaneously there is a significant influence between culture and perceptions of non-Muslim communities on the decision to become a customer at Bank Syariah Mandiri Bengkalis Sub-Branch Office with an influence of 60.1%.]]>
<![CDATA[Analisa Produk Tabungan BSM Dalam Menarik Minat Nasabah ]]>
<![CDATA[Khodijah Ishak]]>;
<![CDATA[Ida Afrida Ningsih]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM Publishing & Printing ]]>
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DOI: 10.46367/jps.v1i1.199
<![CDATA[Bank Syariah Mandiri Sub-Branch Office Dumai Sukajadi is one of the banks operating based on sharia principles offering fundraising products and one of them is tabungan BSM . The tabungan BSM are based on sharia principles with the mudharabah muthlaqah agreement. This research uses primary data and secondary data. The results showed that the marketing strategy of tabungan BSM products to attract customers of Bank Syariah Mandiri Dumai Sukajadi Sub-Branch Office has been going well, from conducting promotions, socializing, distributing brochures and participating in certain events. In addition, the presence of Bank Syariah Mandiri Dumai Sukajadi Sub-Branch Office is very helpful for customers to open various kinds of savings provided by the Bank Syariah Mandiri Dumai Sukajadi Sub-Branch Office.]]>
<![CDATA[Analisis Pengaruh Inflasi, Nilai Tukar Dan Bi Rate Terhadap Tabungan Mudharabah Pada Perbankan Syariah Di Indonesia ]]>
<![CDATA[Zakaria Batubara]]>;
<![CDATA[Eko Nopiandi]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM Publishing & Printing ]]>
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DOI: 10.46367/jps.v1i1.201
<![CDATA[This research aims to determine the effect of inflation, exchange rates, and the BI Rate on mudharabah savings in Islamic banking in Indonesia partially and simultaneously. This research is a quantitative study with time-series data. The data used in this study are secondary data. The population in this study is inflation data, the rupiah exchange rate, and the BI Rate and mudharabah savings. The population of Islamic banks in this study totalled 34 Islamic banks. The data analysis technique used in this study is the multiple regression analysis. Partially, inflation, exchange rates or the rupiah exchange rate and the BI Rate have a positive effect on mudharabah savings in Islamic banking in Indonesia. Simultaneously the inflation variable, the exchange rate or the rupiah exchange rate and the BI Rate have a significant effect on mudharabah savings in Islamic banking in Indonesia with an influence of 88.6%.]]>
<![CDATA[Pengaruh Pendidikan, Profesi Dan Bagi Hasil Terhadap Persepsi Masyarakat Pada Perbankan Syariah ]]>
<![CDATA[Sri Rahmany]]>;
<![CDATA[Yuni Asnita]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM Publishing & Printing ]]>
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DOI: 10.46367/jps.v1i1.203
<![CDATA[This research aims to determine whether education, profession and profit-sharing partially and simultaneously affect public perceptions of sharia banking in Siak Kecil District. The data analysis technique used is the validity test, reliability test, normality test, multiple linear regression test, t-test, f test and the coefficient of determination test. The results of this study found that the level of education did not significantly influence people's perceptions of Islamic banking in Siak Kecil District. Then in terms of the profession, there is a significant influence on people's perceptions of Islamic banking in the Siak Kecil District. In terms of revenue sharing, there is a significant influence on people's perceptions of Islamic banking in Siak Kecil District. Simultaneously education, profession and profit-sharing affect people's perceptions of Islamic banking in Siak Kecil District with a large influence of 55.4%.]]>
<![CDATA[Analisis Perilaku Konsumen Dan Keamanan Kartu Kredit Perbankan ]]>
<![CDATA[Decky Hendarsyah]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM Publishing & Printing ]]>
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DOI: 10.46367/jps.v1i1.204
<![CDATA[This paper discusses consumer behavior and banking credit card security. Credit cards are present as one of the non-cash payment methods that simplify business and financial matters so that many consumers use them. After review and discussion, it was found that consumer behavior in using credit cards is more dominated by personal factors. With the drive for needs and lifestyle, many consumers are interested in using a credit card. The bank as a credit card issuer also provides sophisticated and multi-layered security features. Even so, it still has a gap for the presence of fraud crime in various ways and forms. In order for credit cards to be safe from crime and fraud, consumer behavior must be changed by maintaining confidentiality, caution and vigilance in conducting transactions.]]>
<![CDATA[Analisis SWOT Sebagai Strategi Meningkatkan Daya Saing ]]>
<![CDATA[Mashuri Mashuri]]>;
<![CDATA[Dwi Nurjannah]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM Publishing & Printing ]]>
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DOI: 10.46367/jps.v1i1.205
<![CDATA[This research aims to find out how the SWOT analysis as a strategy to improve competitiveness and obstacles in the Bank of Riau Kepri, Pekanbaru Business Unit. The research method used is quantitative descriptive method. The SWOT analysis used is descriptive analysis methods, SWOT matrix and SWOT diagram analysis. Data collection techniques in this study were interviews, questionnaires and literature. The results of this study are the SWOT analysis as a strategy to increase competitiveness needs to be evaluated again so that the formation of good performance from within and from outside the Bank of Riau Kepri, Pekanbaru Sharia Business Unit in advancing these banks throughout Province of Riau and Riau Islands.]]>
<![CDATA[Faktor-Faktor Kebijakan Yang Mempengaruhi Tabungan Mudharabah Pada Perbankan Syariah Di Indonesia ]]>
<![CDATA[Sri Rahmany]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October ]]>
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DOI: 10.46367/jps.v1i2.225
<![CDATA[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.]]>
<![CDATA[Behavioral Intentions Of Bank Customers ]]>
<![CDATA[Irawan Fakhrudin Mahalizikri]]>;
<![CDATA[Ungsi Antara Oku Marmai]]>;
<![CDATA[Elda Martha Suri]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October ]]>
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DOI: 10.46367/jps.v1i2.227
<![CDATA[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.]]>
