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Jurnal Ekonomi dan Perbankan Syariah
Published by Sekolah tinggi ekonomi islam SEBI
ISSN : 23551755     EISSN : 25796437     DOI : https://doi.org/10.46899/jeps.v9i1
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Jurnal Ekonomi dan Perbankan Syariah is a scholarly journal published by Islamic Banking Department, School of Islamic Economics STEI SEBI The JEPS journal has been issued since 2013 and it’s have published twice in a year in April and October. The journal has been publishing scholarly papers since 2013. Starting in 2018 onwards, we encourage authors to only submit research papers written in good-read English academic writing. The journal is designed to provide a forum for researchers or academicians and also practitioners who are interested in knowledge and in discussing ideas, issues and challenges in the field of Islamic economic and banking. To solve the problem of the ummah and to provide the solution for the gap between the theories and practices. The scope or coverage of this journal will include but are not limited to Islamic economics, Islamic business, Islamic banking, Islamic capital markets, Islamic wealth management, issues on shariah implementation/practices of Islamic banking, zakat and awqaf, takaful, Islamic corporate finance, shariah-compliant risk management, Islamic derivatives, issues of Shariah Supervisory Boards, Islamic business ethics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 102 Documents
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The Effect Of Non-Performing Financing (NPF) On Earnings Management Practices In Islamic And Conventional Bank Erika Eriyanti; Rianti Pratiwi; Muhammad Doddy
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i1.97

Abstract

This study aims to examine the effect of Non-Performing Financing (NPF) to Earnings Management Practices in Islamic Bank and Conventional Bank.  Earnings management procedures are still regarded legal when they do not conflict with General Accepted Accounting Principles (GAAP), but when viewed from an Islamic perspective, particularly in Islamic business ethics and sharia management, earnings management practices are regarded to be incompatible with the principles contained in Islamic business ethics and sharia management.The data collection of this research uses documentation technique from financial reports of Islamic bank and conventional bank. The analytical method which is used in this study is panel data regression. This study found that the Non-Performing Financing (NPF) have a significant positive effect with Earnings Management. For the implication, investors and other financial statements customers are anticipated to be more cautious in evaluating financial statements. For business institutions, especially sharia business institutions, the principles of Islamic business ethics should always be instilled in carrying out their operations.
POOL OF FUNDS APPROACH AND ASSET ALLOCATION APPROACH IN SHARIA'S PERSPECTIVE (A Literature Review) Fahmi Ali Hudaefi; Ahmad Bisyri
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 2, No 1 (2014): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v2i1.140

Abstract

The aim of this research is to explore the Islamic perspective on the conventional thought of funds banking allocation methods, they are asset allocation approach and pool of funds approach, which one of them is practiced in Islamic banking in Indonesia, it is pool of funds approach. Sharia instruments that used to explore Islamic perspective on those two conventional methods are the verses of Islamic values in transaction, they are doing amanah in muamalah as taught in An-Nisa 68, being identified the owned property as taught in Al-Baqarah 188, doing abetter notation in muamalah as taught in Al-Baqarah 283 and being fair in fulfilling weight and measure as taught in Hud 85. Other used sharia instruments are history of Prophet Muhammad pbuh and Caliph Umar bin Abdul Aziz and Fiqh special axiom in muamalah. This descriptive qualitative research with the method of content analysis data finds that the asset allocation approach is more agreeable method to all sharia instruments that used in this research.Keywords: Al-Qur’an, Tafser, Islamic Values in Muamalah, Islamic BankPrincipal, Bank Fund Allocation MethodsAbstrakPenilitian ini berujuan untuk mengetahui pandangan syariah terhadap metode alokasi dana bank yang berasal dari pemikiran konvensional, yaitu pool of funds approach dan asset allocation approach, dimana pool of funds approach dipraktikan di perbankan syariah Indonesia. Instrumen syariah yang digunakan dalam penelitian ini atau yang menjadi tolak ukur pandangan syariah terhadap kedua metode tersebut adalah nilai-nilai Islam dalam bermuamalah yang terkandung di dalam Al-Qur’an, yaitu berlaku amanah di dalam surat An-Nisa 58, jelasnya sumber kepemilikan harta didalam surat Al-Baqarah 188, melakukanpencatatan yang baik didalam muamalah dalam surat Al-Baqarah 283 dan berlaku adil dalam memenuhi takaran dan timbangan didalam surat Hud 85. Instrumen syariah lainnya yang digunakan adalah sejarah keuangan yang ada hubungannya dengan sistem pengalokasian dana pada zaman Nabi Muhammad Saw dan Khalifah Umar bin Abdul Aziz, serta Kaidah Khusus Fiqh di bidang muamalah. Penelitian dekriptif dengan pendekatan kualitatif dan content analysis sebagai alatanalisis data menunjukan bahwa metode asset allocation approach lebih sesuai dengan nilai-nilai syariah yang terdapat di dalam instrument-instrumen syariah yang menjadi tolak ukur di dalam penelitian ini.
ANALISIS PENGARUH TINGKAT RELIGIOSITAS TERHADAP KINERJA KARYAWAN BANK SYARIAH (STUDI KASUS PADA KARYAWAN KANTOR PUSAT BANK SYARIAH X) Eva Nuroniah; Abdi Triyanto
Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i1.156

Abstract

ABSTRAK: Tujuan dari penelitian ini adalah untuk mengetahui tingkat religiositas dan kinerja karyawa bank syariah x; pengaruh religiositas karyawan erhadap kierjanya. Lebih lanjut penelitian ini juga melihat bagaiamana manajer meningkatkan kinerja karyawan. Objek dari penelitian ini adalah karyawan bank syariah X yang ada dikantor pusat. Metodologi penelitian ini menggunakan kombinasi kualitaif dan kuantitaif. Data yang digunakan adalah data primer dari wawancara dan juga data sekunder. Dalam menganalisis data kuantitatif menggunakan regression test, sedangkan untuk yang kualitatif menggunakan induktif. Hasil dari penelitian ini adalah; tingkat religiositas bank syariah X berada pada level yang bagus dan juga tingkat kinerja karyawan; tingkat religiositas berpengaruh sebesar 33,8 % terhadap kinerja karyawan dan selebihnya dipengaruhi oleh factor yang lain.Kata kunci: Religiositas, kinerja karyawan, Bank syariah, dan regresi.ABSTRACT: The purpose of this research is to test : (1) how the religiosity rate and workers performance in x syariah bank; (2) the influence of religiosity rate to workers performance. furthermore, this research will looking for the way how to increase workers performance. The object of this research is the workers of x syariah bank at the head office. The method of this research is the combination between quantitative and qualitative method. Using two types of data, the primer data (questionnaire, interview and observation) and the secondary data (documentation and literature). In quantitative analysis Regression test is used. Whereas for qualitative analysis, using inductive method. The result of this study show that: (1) the religiosity rate of x syariah bank workers is relatively at very religious level, Workers performance rate also relatively at very good level; (2) that there is a significant influence 33,8% between religiosity rate to performance. Whereas 66,2% performance influenced by other aspect such as culture and job environment, leadership from top management, job motivation, job satisfaction, and others.Keywords: Religiosity, performance, Islamic bank, Regression
THE EFFECT OF THE PERCEPTION OF ELECTRONIC MONEY ON CONSUMPTIVE BEHAVIOR OF STEI SEBI STUDENTS Nailah Fauziah; Nining Nurhasanah
Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2020): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v8i1.176

Abstract

In the era of industrial revolution 4.0, technological developments made changes in the lifestyle of the modern generation. The purpose of this study was to analyze the perception of the use of electronic money, whether it supports the consumptive research of STEI SEBI students. The electronic money acceptance model in this study uses the Technology Acceptance Model (TAM), and the indicators used to measure the consumptive level of STEI SEBI students are indicators of consumptive behavior. The research used descriptive-quantitative. The data used are primary data sent from questionnaires distributed to STEI SEBI students. The method of analysis in this study uses a simple regression analysis. The results of this study indicate that electronic money has a positive and significant influence on the consumptive students of STEI SEBI, users using high electronic money than making consumptive STEI SEBI students will also increase.
Tinjauan Fikih Muamalah Terhadap Penerapan Khiyar Dalam Transaksi E-Commerce Jamilah Jamilah; Firmansyah Firmansyah
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 6, No 1 (2018): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v6i1.87

Abstract

The e-commerce transaction is a buying and selling instrument that uses electronic equipment primarily. Online buying and selling as well as traditional buying and selling ethics and norms that must be applied in order to create satisfaction and willingness that is by giving the right khiyar. This study uses library research method which uses theories about khiyar in e-commerce transactions through book literature, journals, related to khiyar in e-commerce transactions.The results of this study can be concluded that the practice of khiyar in e-commerce transactions has been implemented through the policy of the return of goods but not all khiyar can be applied in e-commerce transactions there are only three khiyar that can be applied that khiyar syarat , khiyar aib and khiyar ru'yah.
Menentukan Faktor-Faktor Yang Memiliki Hubungan Minat Mahasiswa STEI SEBI menabung di SEBI Islamic Bank Hendi Mulyana; Mustafa Kamal
Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (2013): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v1i1.137

Abstract

Sekolah Tinggi Ekonomi Islam (STEI) SEBI mendirikan sebuah lembaga keuangan syariah. Lembaga keuangan tersebut bernama SEBI ISLAMIC BANK (SIB). SIB berdiri atas dasar pemikiran akan pentingnya suatu lembaga intermediari finansial internal kampus STEI SEBI. Lembaga ini pada awalnya mempunyai maksud mempermudah arus keuangan sekaligus mengembangkan instuisi produktif para pengelola, staff dan mahasiswa STEI SEBI khususnya, serta masyarakat di lingkungan STEI SEBI pada umumnya.Seiring dengan bertambahnya jumlah mahasiswa STEI SEBI tiap tahunnya, tentu menjadi peluang bertambah pula jumlah nasabah SIB. Namun pada kenyataannya mahasiswa yang menabung di SIB masih sedikit.Penelitian ini bertujuan untuk mengetahui pengaruh minat mahasiswa STEI SEBI menabung di Sebi Islamic Bank (SIB). Sumber data dalam penelitian ini adalah data primer yang diperoleh melalu kuesioner dari sebagian mahasiswa angkatan 2008-2011.Teknik pengumpulan data dilakukan dengan survei. Data diperoleh dengan menggunakan kuesioner yang disebar kepada sebagian mahasiswa angkatan 2008- 2011 sebagai sampel baik itu program studi Perbankan Syariah maupun Akuntansi Syariah. Untuk menentukan jumlah sampel penulis menggunkan rumus Slovin, yang mana dari hasil rumus Slovin tersebut dapat diketahui jumlah sampel yang ditentukan sebesar 85 responden dari angkatan 2008-2011 yang berjumlah 535 mahasiswa. Pemilihan sampel dilakukan dengan metode random sampling.  Teknik analisis data menggunakan pengujian melalui Uji Validitas dan Reliabilitas data, Chi-Square, serta analisis CHAID. Abstract Sekolah Tinggi Ekonomi Islam (STEI) SEBI has been establishing a shariah financial institutions. The institution namely SEBI ISLAMIC BANK (SIB). SIB has been establishing based on reasoning the urgency of financial intermediary institution internal campus STEI SEBI. Initially the institution had sole to facilitate cash flow both developing productiveness institution manager, staff and students STEI SEBI particularly and society at STEI SEBI generally.Along with increasing the number of students STEI SEBI every year, it would be good opportunity to increase a number of customer SIB. But the fact students who saved at SIB were still slightly.This research had goal to find out the influence students STEI SEBI who saved on Sebi Islamic Bank (SIB). Data sources in this research were primer data that had been obtainable by questioners from part of students 2008-2011.A technique to collect data has been done by survey. Data achieved  by questioners that spread to part of students 2008-2009 as sample both majoring Islamic Banking and Islamic accounting. In order to determine number of samples, writer used Solvin’s formula where the result could be discovered the number of samples as 85 respondents from 2008-2011 which amounts 535 students. Determining of samples had been done by sampling random method. Data analysis technique used examination through validation and reliability data, Chi-Square , and CHAID analysis.Keywords : Islamic Microfinance, CHAID Method
ANALISIS POTENSI TERJADINYA FINANCIAL DISTRESS PADA BANK UMUM SYARIAH (BUS) DI INDONESIA Melan Rahmaniah; Hendro Wibowo
Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i1.151

Abstract

ABSTRAK: Tujuan penelitian ini adalah untuk mengukur tingkat kesehatan bank dengan menggunakan metode RGEC. Faktor-faktor yang dinilai adalah Risk profile, GCG, earnings, dan capital. Data dalam penelitian ini adalah data sekunder yang diambil dari laporan tahunan tiga Bank Umum Syariah (BUS) pada tahun 2011 sampai 2013. Penelitian ini menggunakan pendekatan deskriptif kuantitatif. Hasil penelitian ini menunjukkan bahwa pada tahun 2011 hingga 2013 dari ketiga BUS tidak ada yang dinyatakan tidak sehat dan tidak berpotensi terjadinya high financial distress. Hasil Penelitian ini juga menunjukkan bahwa ketiga BUS tersebut mengalami penurunan dalam kinerja earning yang diukur dari rasio ROA dan ROE dan risiko likuiditas yaitu rasio FDR, akan tetapi penurunan kinerja tersebut tidak berpengaruh signifikan dan tidak menyebabkan masing-masing BUS mengalami potensi high financial distress.Kata kunci: Tingkat Kesehatan, Bank Umum Syariah, Metode RGEC, dan Financial Distress.ABSTRACT: This study aims to measure the soundness of Islamic banking using RGEC method. As RGEC method, factors used in this study are risk profile, good corporate government (GCG), earnings, and capital. The data used is secondary data which taken from annual report of three of Islamic bank from 2011 to 2013. This research used quantitative and descriptive approach to analyse the data. The result showed that the three Islamic banks are in a secure level of the soundness and has no potential of high financial distress. Moreover the result showed us that the three bank have decreased on earning performance which is measured by performance of ROA (Return on Asset) and ROE (Return on Equity) and liquidity risk is the ratio of FDR (Financing to Deposit Ratio), however the influence of it is not significant and each bank has not lead to high financial distress.Keywords: Level of Soundness, Islamic Banks, RGEC Method, and Financial Distress.
KONSEP MARKETING MIX SYARIAH Patah Abdul Syukur; Fahmi Syahbudin
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 5, No 1 (2017): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v5i1.167

Abstract

ABSTRAK. Pokok permasalahan yang akan dibahas dalam penulisan ini adalah konsep marketing mix yang sesuai dengan syariah. Penilaian konsep marketing mix yang sesuai syariah ini menilai variabel Product (Produk), Price (Harga), Place (Penempatan), dan Promotion (Promosi) dengan aturan-aturan muamalah dalam islam. Tujuan dari penelitian ini adalah untuk mengetahui dan menjelaskan konsep marketing mix syariah, serta sebagai kontribusi keilmuan berkaitan dengan marketing mix syariah. Teori yang digunakan dalam penelitian ini yaitu teori marketing, marketing mix, serta teori tentang muamalah yangsesuai dengan syariah. Penelitian ini memfokuskan pada penilaian marketing mix dengan aturan-aturan muamalah dalam islam. Metode yang digunakan dalam penelitian ini adalah kajian pustaka baik bersumber data buku ataupun jurnal, sedangkan untuk aspek penilaiannya yaitu ditinjau dari Al -Qur’an, Hadits, Ijtihad para ulama, dan karya ilmiah yang berkaitan dengan penelitian. Penelitian ini menghasilkan konsep marketing mix yang sesuai dengan syariah meliputi variabel Product (Produk), Price (Harga), Place (Penempatan), dan Promotion (Promosi) yang telah disesuaikan dengan aturan-aturan dalam muamalah islam, penelitian ini juga sebagai saran bagi para pelaku bisnis yang ingin menjalankan bisnisnya sesuai syariat Islam. Sehingga konsep marketing mix syariah ini memiliki perbedaan dengan marketing mix pada umumnya karena telah disesuaikan dengan aturan muamalah dalam islam.Kata kunci: marketing, marketing mix, marketing mix syariahABSTRACT. The main issues will be discussed in writing this is how theconcept of marketing mix according to sharia. Assessment the concept ofmarketing mix appropriate sharia this assess variable product, price, place, and promotion into rules muamalah in Islam. The purpose of this study is to find and explain the sharia marketing mix, and as a contribution scientific per taining to sharia marketing mix. A theory that used in this research that is the theory marketing, marketing mix, and a theory about muamalah in accordance with sharia. Methods used in this research is a literature study good sourced data book or journal , while on the aspect of this assessment that is in terms of the Al-Qur’an, Hadith, ijtihad ulama, and the work of scientific relating to the study.This research come up with concepts marketing mix according to shariacovering variable product, price, place, and promotion that has been adjusted for rules in Islamic him, the research also as a suggestion for actors businesses that would like to run business in accordance Islamic sharia. So that the concept of sharia marketing mix it has different to marketing mix in general because has been adjusted for rules him in Islam.Keywords: marketing, marketing mix, sharia marketing mix
Fiqh muamalah overview of electronic money products at linkAJA shariah Alif Farhan Cahairul; Roni Hidayat; Iqbal Fadli Muhammad
Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2021): Journal of Islamic Economics and Banking
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v9i1.266

Abstract

This research reveals a fiqh muamalah review of electronic money on LinkAja Syariah and analyzes journals, classic books, DSN-MUI fatwas as well as related regulations. The research method used is a qualitative descriptive method with secondary data sources obtained from previous research by linking it with the MUI DSN Fatwa, AAOIFI Standards, and classical books. This research is literature research (library research). The data collection technique used was literature study and documentation. The results of this study are that the practice of electronic money in LinkAja Syariah has met the principles of sharia in implementing the electronic money scheme on products that have been analyzed by researchers and from the point of view of maqashid sharia, electronic money schemes give birth to many maslahat
Analisis Kinerja Reksadana Syariah (Kategori Saham, Campuran Dan Pendapatan Tetap) Periode 2012-2017 Dikri Rizaldi; Azis Budi Setiawan; Muhammad Doddy AB
Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2018): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v6i2.81

Abstract

Tujuan penelitian ini adalah untuk mengetahui kinerja reksadana syariah kategori Saham, Campuran dan Pendapatan Tetap yang dikeluarkan oleh perusahaan-perusahaan yang ada di Indonesia. Penelitian ini menggunakan metode purposive sampling yaitu dengan memilih sampel dengan kriteria tertentu. Teknik analisis dalam penelitian ini menggunakan analisis keuangan yaitu metode Sharpe. Hasil penelitian ini menunjukan bahwa : (1) Kinerja Reksadana Syariah Saham yang memiliki kinerja paling baik tahum 2012 adalah TRIM Saham Syariah, tahun 2013 adalah Cipta Equity Syariah, tahun 2014 adalah PNM Ekuitas Syariah, tahun 2015 dan tahun 2016 adalah Manulife Sektoral Syariah Amanah dan tahun 2017 adalah Batavia Dana Saham Syariah. (2) Kinerja Reksadana Syariah Campuran yang memiliki kinerja paling baik tahun 2012 dan 2013 adalah SAM Syariah Berimbang, tahun 2014 TRIM Syariah Berimbang, tahun 2015 Schorder Syariah Balance Fund, tahun 2016 AAA Amanah Syariah Fund, tahun 2017 adalah TRIM Syariah Berimbang. (3) kinerja Reksadana Syariah Pendapatan tetap yang memiliki kinerja paling baik tahun 2012, 2013 dan 2014 adalah MNC Dana Syariah Sejahtera, tahun 2015 adalah I-Hajj Syariah Fund serta tahun 2016 dan 2017 adalah MNC Dana Syariah Sejahtera.

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