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jeps@sebi.ac.id
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INDONESIA
Jurnal Ekonomi dan Perbankan Syariah
ISSN : 23551755     EISSN : 25796437     DOI : https://doi.org/10.46899/jeps.v9i1
Core Subject : Economy, Social,
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.
Articles 102 Documents
FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK MUAMALAT INDONESIA Fathiya Khaira Ummah; Edy Suprapto
Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (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.v3i2.159

Abstract

ABSTRAK: Penelitian ini bertujuan untuk menguji dan menganalisis rasio keuangan terhadap profitabilitas Bank Muamalat Indonesia. Penelitian ini menggunakan metode vector error correction model dengan mengunakan data times series triwulan periode tahun Desember 2000 – September 2014. Variabel yang digunakan dalam penelitian ini adalah ROA, CAR, BOPO, NPF dan FDR. Hasil penelitian menunjukkan pada hasil VECM jangka pendek CAR dan NPF tidak berpengaruh signifikan terhadap profitabilitas BMI, sedangkan BOPO dan FDR berpengaruh negatif dan signifikan terhadap profitabilitas BMI. Artinya jika keduanya naik sebesar 1% maka profitabilitas BMI akan menurun sebesar 2.4% dan 2.2%. Hasil VECM jangka panjang menunjukkan bahwa CAR tidak berpengaruh signifikan terhadap profitabilitas bank. BOPO berpengaruh negatif dan signifikan terhadap profitabilitas bank, jika terjadi kenaikan BOPO sebesar satu persen maka profitabilitas BMI akan menurun sebesar 2.7%. NPF berpengaruh negative dan signifikan terhadap profitabilitas BMI, jika terjadi kenaikan NPF sebesar satu persen maka profitabilitas BMI akan menurun sebesar 4.1%. FDR berpengaruh negative dan signifikan terhadap profitabilitas BMI, jika terjadi kenaikan FDR sebesar satu persen, maka profitabilitas BMI akan menurun sebesar 5.4% setiap triwulannya.Kata Kunci : ROA, CAR, BOPO, NPF, FDR, VECM dan ProfitabilitasABSTRACT: This study aims to examine and analyze financial ratios on profitability of Bank Muamalat Indonesia. Vector error correction model used in this study, by using the times series data is quarterly period of December 2000 - September 2014. The variables used in this study are ROA, CAR, ROA, NPF and FDR. The results showed the results of short-term are CAR and NPF insignificant effect on the profitability of BMI, while ROA and FDR significant negative effect on profitability BMI. If there is an increase in ROA and NPF amounting to one percent of the profitability BMI will decrease by 2.4% and 2.2%. However the long-term results showed that the CAR is insignificant effect on the profitability of banks. BOPO a significant negative effect on the profitability of banks, if there is an increase of one percent BOPO profitability BMI will decrease by 2.7%. NPF and significant negative effect on the profitability of BMI, if there is an increase of one percent NPF profitability BMI will decrease by 4.1%. FDR and significant negative effect on the profitability of BMI, if there is an increase of one per cent FDR, then the BMI profitability will decline by 5.4% on a quarterly basis.Keywords: ROA, CAR, BOPO, NPF, FDR, VECM dan Profitability
THE EFFECT OF RELIGIOSITY, BRAND IMAGE AND WORD OF MOUTH ON CUSTOMER'S DECISION TO APPLY FOR INSURANCE PT PRUDENTIAL UNIT SYARIAH Neng Auliya Rohimatul Ummi; Nining Nurhasanah; Donny Setiawan
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.v8i1.179

Abstract

This study aims to analyze the effect simultaneously and partially between the variables of Religiosity, Brand Image, and Word of Mouth on the customer decision process in applying for prudential sharia insurance. This research is quantitative. The data used are primary data by distributing questionnaires to 100 respondents and secondary data obtained by conducting a literature study. Sampling was done by using a quantitative purposive sampling technique. The data analysis method uses multiple linear regression. The results of this study indicate that there is a simultaneous influence on the variable Religiosity, Brand Image, and Word of Mouth on the customer decision process. The results of this study also indicate partially that Religiosity, Brand Image, and Word of Mouth significantly influence customer decision processes. The results of the determination show that the customer decision process can be explained by the variable Religiosity, Brand Image, and Word of Mouth by 31.1%. This means that there is a 68.9% (100% -31.1%) variance of the dependent variable explained by other factors not included in this study.
Uang Elektronik Dalam Perspektif Islam M. Rizky Wady Abdulfattah; Rachmat Rizky Kurniawan
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.v6i1.89

Abstract

Payment system into non-cash payment form is more efficient and economical. Electronic money arises as an answer to the community's need for a micro payment instrument that is expected to make the payment process faster, more efficient and safer at a relatively cheaper cost, but not all electronic money issued in accordance with the concept of sharia. This study is intended to find out electronic money in Islamic perspective on the contract and sharia principles applied to electronic money transactions. This research uses descriptive method using library learning method, that is studying theory, system, and how to work electronic money so that can found the relation of law and provision in electronic money transaction. This writing produces information about the legal contract and sharia principles in transactions that exist in electronic money.
ANALISIS PENGEMBANGAN USAHA PRODUK UNGGULAN DAERAH Studi Kasus OVOP Jambu Biji Merah (Psidium Guajava) Kelompok Tani Audisi Miskin Merdeka Depok Uung Muhammad Syakur; Adril Hakim
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.v1i1.135

Abstract

Keberadaan sumber daya lokal yang melimpah di setiap wilayah di Indonesia belum bisa sepenuhnya dimanfaatkan secara maksimal, sehingga belum ada peningkatan kesejahteraan masyarakat di sekitarnya. Konsep one village one produk (OVOP) atau disebut juga satu desa satu produk (SDSP) hadir untuk berusaha memanfaatkan sumber daya lokal menjadi sebuah produk yang unik dan bernilai bisnis yang tinggi melalui perpaduan potensi budaya dan kearifan lokal, dengan segala kreatifitas untuk mencapai kemandirian bersama.Penelitian ini dilakukan dengan tujuan untuk menemukan sebuah jawaban tentang sebuah konsep keberlanjutan program dan kemandirian kelompok dalam pengembangan produk unggulan jambu biji merah program pemberdayaan ekonomi masyarakat melalui konsep OVOP, dan model pembiayaan usaha pengolahan jambu biji merah dengan bank syariah.Dari hasil penelitian, konsep keberlanjutan program pengembangan produk buah jambu biji merah dalam pemberdayaan ekonomi masyarakat sehingga menjadi sebuah kelompok usaha yang mandiri, dilakukan melalui dibentuknya kelembagaan lokal berbentuk Koperasi Produksi memiliki peran dalam mewujudkan keberlangsungan program/ bisnis dan menumbuhkan kemandirian kelompok bisnis, yaitu mengelola kegiatan operasional produksi, mengelola keuangan dalam memenuhi kebutuhan konsumtif anggota kelompok, dan mengelola keuangan bisnis dengan mengakses modal ke lembaga keuangan syariah melalui pembiayaan mudharabah.Abstract: The research had been done with aim to find out the respond about a concept of sustainability program and independence group in developing seed product guava in society economic empowerment through OVOP conceptual, and model of financial business management guava with Islamic bankingFrom this research, the concept of sustainability product development program guava in empowerment economic society become an independence business group, conducted through be formed a local institutions like production cooperation which have role to realize program/business sustainability and grow business group independence, that are to manage production operational activity, manage financial in order to fulfill consumptive need group members , and manage business financial by accessing fund to shariah financial institution through mudharabah finacing.Keywords : Increas in value added), one village one product (OVOP), the model of financing for agroindustri Psidium Guajava
PROSEDUR ANALISIS KELAYAKAN PEMBIAYAAN MIKRO: STUDI KASUS BRI SYARIAH CABANG PRABUMULIH Selvy Safitri; Arisson Hendry
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.v3i1.153

Abstract

ABSTRAK: Penelitian ini bertujuan untuk mengetahui bagaimana deskripsi prosedur Analisa kelayakan pembiayaan mikro pada BRISyariah Cabang Prabumulih. Metode penelitian yang digunakan adalah menggunakan metode kualitatif dengan dengan jenis penelitian deskriptif. Desain penelitian yang digunakan adalah studi kasus. Teknik pengumpulan data yang dijalankan adalah observasi langsung melalui magang kerja dan wawancara kepada pejabat bank divisi pembiayaan mikro cabang Prabumulih, mengambil data-data yang ada pada perusahaan, dan melakukan studi melalui buku-buku dan penelitian yang relevan. Penelitian ini mendeskripsikan bahwa prosedur analisa kelayakan pembiayaan mikro pada BRISyariah Cabang Prabumulih terdiri dari lima tahapan, yaitu: permohonan pembiayaan, pengumpulan berkas, analisa kelayakan pembiayaan, keputusan pembiayaan, dan pencairan pembiayan. Dari tahapan prosedur yang ada dapat disimpulkan bahwa Bank BRISyariah Cabang Prabumulih lebih mengedepankan prinsip kemudahan, kecepatan, kehati-hatian dan keamanan bagi pihak nasabah maupun bank.Kata kunci: Prosedur, analisa kelayakan pembiayaan, pembiayaan mikro.ABSTRACT: The purpose of this research is to describe the prosedure of microfinance feasibility in BRI Syariah Branch of Prabumulih. This research used descriptive method and qualitatif data. To obtain data of this research, the writer used a direct observation by an internship program and an interview to the official of Bank of BRIsyariah Prabumulih. In addition, the study also used the relevant books. The result showed that, there are five procedures for analizing microfinance feasibility in BRISyariah branch of Prabumulih, namely financing application, file collection, analysis of financial feasibility, decisions, and disbursement. From the procedures, we can conclude that BRISyariah branch of Prabumulih emphasizes the principle of simplicity, speed, prudence and secure for customer and bank.Keywords: Procedures, Financig feasibility Analisis, and micro financing
Analysis of Optimization Model of Haji Financial Investment Portfolio in BPKH RI (Haji Financial Management Agency of the Republic of Indonesia) Arif Setyawan; Hendro Wibowo; Mustafa Kamal
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.v8i1.173

Abstract

Financial management board hajj is an institution in which manages investment funds haji who uses the shariah principle in Indonesia. This study aims to analyze the optimization of Indonesian BPKH investment in a period of the year 2017-2019 in diversified portfolios by adopting both Markowitz. The research data is historical data on investment is being done by BPKH in 2017-2019 which includes instruments, deposits sharia bonds, and a projection on the stocks, and the real sector accommodation. This study used a quantitative approach with the study descriptive. The technique of analysis that was used in this research is the solutions to the results of the portfolio equation optimal with the help of a computer program ms excel solver. The research results show the portfolio BPKH scenario of Indonesia concerning the period of 2017-2019 which showed the level of expected return and 3 on risk scenario investment composition. About the scenario conservative expected return 7,76 % and on the risk 1,09 % , scenario moderate expected return 14,70 % and on the risk 3,22 %, scenario aggressive expected return 26,62 % and on the risk 6,39 %.
Analysis of potential establishment of sharia public financing bank (BPRS) In Lebak Regency Dinar Rahmayanti; Nur S Buchari
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.v9i1.268

Abstract

This study aims to determine the feasibility of establishing a Sharia Rural Bank (BPRS) in Lebak Regency. The majority of the population in Lebak Regency is Muslim, but there is no BPRS. This study also aims to determine the most effective strategy for the establishment of a BPRS in Lebak Regency. The method chosen in this research is descriptive qualitative using the SWOT analysis tool. To determine the strategy, the results of the SWOT analysis are processed by the QSPM method. The results of the research on the IE matrix show that the  establishment of the BPRS in Lebak Regency is in cell I, which is growing and building. The strategic priority is to improve the image in society by emphasizing the principles of Islamic economics with a total value of 7, establishing the first BPRS in Lebak Regency with a value of 7, embracing local governments to participate in supporting the existence of Islamic banks with a total value of 7, and conducting education and outreach to the public. about Islamic banking with a total value of 7. This study concludes that Lebak Regency is worthy of establishing a Sharia Peoples Financing Bank.
Penerapan Manajemen Mutu Dalam Meningkatkan Kinerja Keuangan Bni Syariah Periode 2010 – 2017 Galuh Gita Pratiwi; Nur S Buchori; Mustafa Kamal
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.v6i2.83

Abstract

The aims of this reasearch is to know the impact implimentation of quality management to increase BNI Syariah financial performance. The methods used to measure financial performance in this study is to compare BNI Syariah financial ratios (capital adequacy ratio, rentability ratio, and liquidity ratio). As for the collection methode in this research is used interview and BNI Syariah annual report periode 2010 untill 2017. The result of this study is quality management applied to BNI Syariah has positive impact on the capital adequacy ratio and profability, especially ROA and ROE. As for the implementation of the management quality applied BNI Syariah in accordance with the principles TQM that proclaimed by ISO, namely the customer focus, leadership, enggagement of people, processing approach, improvement, evidence based decision making, and relationship management.
The Effect Of E-Marketing With Aisas Model (Attention , Interest, Search, Action , Share) On Investment Decisions In Fintech Syariah Adinda Dian Ramadhani; Abdi Triyanto; Iqbal Fadli Muhammad
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (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.v7i2.114

Abstract

This study aims to examine the effect of E-marketing with the AISAS model on investment decisions. This research using quantitative research. Data was obtained by distributing online questionnaires to 30 respondents, who had or were investing in registered Islamic Fintechs in the Financial Services Authority (OJK). The sampling technique in this study is purposive sampling, while the Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach is using a data analysis technique. Data is processed using PLS 3.2.8. Based on the results of data analysis, the Attention variable has a significant effect on the Interest variable. Also, the Interest variable has a significant effect on the Search variable. Then, the Search variable has a significant effect on the Action variable, while the Action variable has not a significant effect on the Share variable. The Share variable has not a significant effect on investment decisions.
PERAN DEWAN PENGAWAS SYARIAH DALAM PEMENUHAN PRINSIP SYARIAH DALAM PELAKSANAAN GOOD CORPORATE GOVERNANCE PADA PERBANKAN SYARIAH Orisa Satifa; Edy Suprapto
Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 2 (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.v2i2.148

Abstract

This research is departing from the development of Islamic banking industry, which is growing rapidly. Moreover, the bank demanded to implement good corporate governance (GCG) in order to prevent any risk of islamic banking losses, both financial loss and reputation risk. The implementation of GCG in islamic banking industry have to meet the shariah compiance. Thus, to ensure the shariah compliance, it requires shariah supervisiory board (DPS), which it serves to maintain the bank‟s adherence to islamic principles in their activities to manage customer funds. The regulation of Bank of Indonesia no. 11/33/PBI/2009 on the implementation of GCG in islamic banks provide a comprehensive policy regarding the duties and the responsibilities of the DPS to ensure the fulfillment of islamic principles in implementation of good corporate governance in islamic banking.Keywords: Good corporate governance, Islamic Banking, Shariah Supervisiory Board, Shariah Principles, Regulation of Bank of Indonesia

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