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Journal of Islamic Banking
Published by Institut Agama Islam Al Hikmah Tuban
ISSN : 27237907     EISSN : 27237885     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Islamic Banking is a periodical scientific journal managed and published by the Sharia Banking Study Program, IAI Hikmah Tuban. This journal specializes in the study of Islamic banking. The manager welcomes contributions in the form of articles from scientists, scholars, professionals and researchers related to Islamic economic studies. The article will be published after going through the mechanism of selection of the manuscript, review of free partners, and editing process. All articles published are the views and are the responsibility of the author and do not represent this journal or the authors affiliated body. The Journal of Islamic Banking is published twice a year in June and December
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 34 Documents
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Analisis Penyelesaian Pembiayaan Murabahah Bermasalah Menurut Fatwa DSN MUI No.17/DSN-MUI/IX/2000 dan No. 43/DSN-MUI/VIII/2004 (Studi Kasus di BMT La Tansa Ponorogo) Zulfatus Sa'diah; Annas Syams Rizal Fahmi; Devid Frastiawan Amir Sup
Journal of Islamic Banking Vol 2 No 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

Non-performing financing, namely high Non-Performing Financing is certainly an important problem for Islamic banking, as well as in the Baitul Mal Wa Tamwil KJKS (Islamic Financial Services Cooperative). From the landing side, until now the only financing product at BMT La Tansa Ponorogo is Murabahah. From the system in murabahah itself, it uses the principle of musawamah. The process of negotiating (bargaining) on goods and prices is carried out between the BMT La Tansa Ponorogo and candidate of financing customers. In its journey, BMT La Tansa experienced a problem, namely the non-performing financing ratio which was still high. The methods used in collecting this data are observation, interviews, and documentation.This research is a field research which then analyzed using the DSN-MUI fatwa. The results obtained, that in the settlement of problematic murabahah financing, BMT La Tansa Ponorogo has several stages. Provide warning letters (SP) up to 3 times, confiscation of collateral, rescheduling. Where used in this sanction is mandatory infaq, which is the mandatory infaq amount of Rp. 1,000, - per day (during the late period) and it is already there and written at the beginning of the contract (agreement). While, in terms of ta'wid, BMT La Tansa does not apply ta'wid on non-performing financing made by customers. However, if it is at the final stage that you cannot fulfill the installment obligation, then the purchased item (collateral) is sold to cover the customer's shortage of installments.
Pengaruh Manajemen Risiko Dengan Good Corporate Governance Sebagai Variabel Moderating Terhadap Kinerja Keuangan BRI Syariah Periode 2015-2019 Syafi Nazariyah; Mukhamad Roni; Nurul Azizah Ria Kusrini
Journal of Islamic Banking Vol 2 No 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

Good and bad pictures of a company regarding the level of success achieved can be seen from the financial performance of a company. Banking institutions have a high level of complexity and risk, so applying a good risk management system can improve bank financial performance with through Good Corporate Governance. This study aims to determine the effect of risk management as measured by the NPF ratio to measure financing risk, BOPO to measure operational risk and CAR to measure capital adequacy on financial performance as measured by ROA, ROE and NPM ratios and to determine the effect of GCG as measured by the size of the board of commissioners, the size of the board of directors, the size of the audit committee and the size of the sharia supervisory board as a moderating variable for risk management on the financial performance of BRI Syariah banks for the period 2015-2019. This study used quantitative research methods. and analysed data using Partial Least Square Software, namely the SmartPLS version 2 program. The results of this study indicate that risk management as measured by the NPF, BOPO and CAR ratios has a significant negative effect on financial performance at BRI Sharia Banks and GCG has not been able to moderate risk management on financial performance.
Implementasi Etika Bisnis Islam pada BMT Usaha Artha Sejahtera (UAS) Bangilan Kabupaten Tuban Ni’matul Jannah
Journal of Islamic Banking Vol 2 No 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

Business activities in the Islamic economy are based on the Qur'an and Al-Hadith, especially in Islamic financial institutions. BMT UAS Bangilan is a sharia cooperative with savings and loan service facilities. The operational system is in accordance with the Qur’an and Al-Hadith, so that the business runs in accordance with the proper Islamic economic system. In the view of Islam, there are many business transactions that contain Ghahar (uncertainty), playing, usury, which is detrimental to the Piha. BMT UAS Bangilan One of the Syari Cooperatives in Bangilan who implemented the Islamic Economic System. The Islamic economic system is applied so that in business activities always ethics is good and there will be no one who loses and is detrimental. The research method used is a qualitative method using observation, interviews and documentation techniques can be intensively reducing information to be more accurate. The data that has been obtained is then processed by interpreting into the sentence until it can be drawn conclusions as the results of the study. While the unturn of validity, the author uses the source triangulation. After research, it can be drawn by BMT conclusions BRS has implemented Islamic business ethics in accordance with the Qur'an and Al-Hadith. Normally applies can be seen from no activity that harms one of the parties (members and BMT UAS Bangilan). Transparent norms can be seen from the openness between members and BMT UAS Bangilan. Professional norms can be seen from the staff of employee employees working well. The norm of unity can be seen from vertical relationships to God. Balance norms can be seen from the existence of horizontal relationships with humans (relationship between managers, employees and BMT UAS’s members) with the purpose of world welfare and the hereafter. Free woe norms can be seen from several indicators that show BMT UAS of the freedom of members in the transaction, because absolute freedom only belongs to God. The norm of responsibility can be seen from the responsibility of BMT UAS to members.
Implementasi Etika Bisnis Islam dan Dampaknya Terhadap Budaya Kerja Karyawan di BMT UAS Senori Kabupaten Tuban Luluk Lutfiyatul Inayah
Journal of Islamic Banking Vol 2 No 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

This research aimed to determine the implementation of Islamic business ethics and their impact on the work culture of BMT UAS Senori employees. The approach used was a qualitative approach where researchers conduct observations, interviews, documentation, and data collection by jumping directly into the field. The results showed that Islamic business ethics was well accepted by BMT UAS Senori employees. Islamic business ethics has also been applied in bussines practices by BMT UAS Senori employees, like being fair to the customer, and friendly to the customer. The interviewees also realized the importance of ethics in business, so Islamic business ethics can be implemented in all business activities. Thus, the implementation of Islamic business ethics still needs to be expanded again, involving all levels of society, not just the employees of a company. And the impact obtained when implementing Islamic business ethics that is always maintaining the behaviors, actions, actions when they are working and dealing directly with their customers, always maintaining trust and obeying the rules that exist in a structural organization.
Implementasi Good Corporate Governance Dalam Meningkatkan Kepercayaan Pada Perbankan Syariah Moh. Agus Sifa'; Chusnu Fahruddin
Journal of Islamic Banking Vol 2 No 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

It is important to do so in order to further foster trust in society and improve the performance and progress of Islamic banking. The implementation of GCG in sharia institutions is important for the development of Islamic banking towards a more advanced direction. This is done because there is no guarantee that if an institution carries the name sharia, the institution will automatically implement good corporate governance. The research method used is a research library. The library research method is one of the methods that is part of the qualitative approach is library research (library research). Inspiration, this concept is needed in maintaining the objectivity of an organization or company in running a business by providing clear, accurate, easily accessible and understandable information and can be accounted for by all stakeholders in the organization or company. Accountability, this concept is needed to see the extent to which the performance has been produced by an organization and company. Responsibility, this concept reflects the responsibility of each individual or organization or company in complying with all tasks in the work, government regulations and policies relating to the business activities of an organization or company. Independence, this concept can be used as self-actualization for organizations and companies that can stand alone and have a competitive edge with their business environment. Fairness, this concept is needed to maintain company stability by maintaining fairness and equality for every member, stakeholder and other stakeholders in an organization or company with their respective portions.
Pengaruh Kecukupan Modal dan Penyaluran Kredit Terhadap Profitabilitas dengan Rasio Kredit Bermasalah Sebagai Variabel Moderating pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Alfi Agustin Puspita Dewi; Arif Hartono; Ika Farida Ulfah
Journal of Islamic Banking Vol 2 No 2 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

This study aims to determine the effect of capital adequacy and lending on profitability with the ratio of non-performing loans as a moderating variable. This study was conducted on conventional banks listed on the Indonesia Stock Exchange (IDX) for the 2018-2020 period using purposive sampling with several criteria. The number of samples selected were 12 banks with a period of 3 years so that the number of samples was 36 observations. The data analysis technique is Moderated Regression Analysis. The results showed that capital adequacy had no significant effect on profitability. This means that when a bank has large capital but cannot use its capital effectively in order to make a profit, it results in large capital not being able to generate high profitability. Credit distribution has no significant effect on profitability. This shows that the higher the LDR level, the worse the bank's liquidity status, because placements on credit are also financed from third party funds. The high LDR allows banks to refuse to provide loans or in other words banks will limit lending. Non-performing loans are unable to moderate the relationship between capital adequacy and profitability. This means that the increase in NPL is due to an increase in non-performing loans to total loans owned by banks. Banks need to provide adequate capital to cover risks arising from lending. Non-performing loans are not able to moderate the relationship between lending to profitability. An unhealthy LDR level indicates that the amount of credit disbursed exceeds funds from third parties.
Pengaruh Pembiayaan Terhadap Profitabilitas Bank Syariah Indonesia (Studi Kasus Ex BSM KC Demang Palembang Periode 2016-2020) Lidya Pisatiya Asih; Fadilla Fadilla; Meriyati Meriyati
Journal of Islamic Banking Vol 2 No 2 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

This study was conducted to determine the effect of mudharabah, musyarakah, and murabahah financing on the profitability of Indonesian Islamic Banks Case Study Ex BSM KC Demang Palembang Period 2016-2020. The purpose of this study is to analyze the effect of mudharabah, musyarakah, and murabahah financing on the profitability of Indonesian Islamic Banks Case Study Ex BSM KC Demang Palembang period 2016 - 2020 either partially or simultaneously. The method used in this research is quantitative. Analysis of the data used is multiple linear regression analysis. The results showed that: (1) mudharabah financing had a negative and insignificant effect on ROA, (2) musyarakah financing had a positive and significant effect on ROA, (3) murabahah financing had a negative and insignificant effect on ROA. (4) Mudharabah, musyarakah, and murabahah financing have a positive and significant effect on profitability (ROA).
Pengaruh Kualitas Pelayanan Dan Promosi terhadap Keputusan Menjadi Anggota dengan Minat Sebagai Variabel Intervening (Studi Kasus pada KSPPS BMT Sahabat Kita Semua) Ai Nurasifa; Elis Nurhasanah; Heni Sukmawati
Journal of Islamic Banking Vol 2 No 2 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

This researcher aims to find out how the influence of service quality and promotion on the decision to become a member with interest as an intervening variable in KSPPS BMT Sahabat Kita All. Using quantitative descriptive method, the population is KSPPS BMT Sahabat Kita All members, while the number of samples is 96 respondents. The technique of collecting data is through questionnaires and using path analysis data analysis techniques using the Sobel test and F test. The results of the research are the variables of Service Quality, promotion, and interest with the effect of each variable being 23.1%, 24.9% and 17 ,7%. The results of the Sobel test show that service quality and promotion have a significant effect on the decision to become a member of KSPPS BMT Sahabat with interest as an intervening variable.
Pengaruh Pemberian Bonus pada Tabungan Simaster Terhadap Keputusan Nasabah Menabung Di BMT Mandiri Sejahtera Cabang Kedungpring Lamongan Atika Habibah; Khozainul Ulum
Journal of Islamic Banking Vol 2 No 2 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

Nowdays, Islamic banks compete each other to get new customers. Many new Islamic banks have risen recently. Some consider cause customers to choose the bank for saving their money. Furthermore, many factors cause customers to choose appropriate product’s bank that they really need. Bonus is a gift given by the bank for customers, as a result customer is interested and decide to choose a product called “savings of Simaster“ among other products. “savings of Simaster is the only one giving the bonus. The purpose of the study is to test the effect of bonus in “savings of Simaster” toward the decision’s customers to save their money in BMT Mandiri Sejahtera in kedungpring. Customer’s decision is as a variable dependent (Y) and bonus is as a variable independent (X). In validity test, all indicators from variable bonus (X) have result 0,222> R table. The result of variable bonus (X) is (0,878), (0,880), (0,889), (0,900), (0,896), (0,905), (0,917), (0,907), and then the result of variable the customer’s decision (Y) is (0,884), (0,875), (0,857), (0,846), (0,869), (0,860), (0,888), (0,894). The result of simple linier regression is 0,951 which positive, so that the conclusion is variable bonus (X) affects variable customer’s decision (Y).
Pengaruh Literasi Keuangan, Pembiayaan Murabahah dan Mudharabah Terhadap Pengembangan Keunggulan Kompetitif Sektor UMKM di Mojokerto: Studi Kasus pada Bank Syariah Mandiri KCP Mojokerto Wilda Rifa Ardiana; Lutvi Alamsyah; Ahmad Mukhlisuddin
Journal of Islamic Banking Vol 2 No 2 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

This study aims to determine the effect of financial literacy, murabahah and mudharabah financing on the competitive advantage of the MSME sector in Mojokerto. The research method used in this research is quantitative research methods using primary data. The sampling technique used non probability sampling, in order to obtain 62 respondents. Data analysis in this study used multiple linear regression analysis through SPSS version 20. The results of the study indicate that financial literacy has an effect on the development of competitive advantage in the MSME sector in Mojokerto. Murabahah financing has no effect on the development of a competitive advantage in the MSME sector in Mojokerto. Mudharabah financing has an effect on the development of a competitive advantage in the MSME sector in Mojokerto.

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