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Journal Of Sharia Banking
Published by Institut Agama Islam Negeri Padangsidimpuan
ISSN : 28098781     EISSN : 28279344     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
journal of sharia banking is a sharia banking journal of the faculty of Islamic economics and business State Islamic Institute Padangsidimpuan which is published every two times a year.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 75 Documents
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DETERMINATION OF EMPLOYEE JOB SATISFACTION PT BANK SYARIAH MANDIRI ira widya; arbanur rasyid; muhammad wandisyah; m fauzan
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (700.727 KB) | DOI: 10.24952/jsb.v2i1.4446

Abstract

Fluctuations that occur in the number of employees at PT Bank Syariah Mandiri Gunung Tua Sub-Branch Office, which indicates employee dissatisfaction. The fluctuation that occurred was caused by several employees who applied for resignation for several reasons as well as employee dismissal due to not achieving the target. The formulation of the problem in this study is whether the influence of work environment, competence, and career development has an influence on employee job satisfaction. The aim is to determine whether there is an influence of these three variables on employee job satisfaction at PT Bank Syariah Mandiri Gunung Tua Sub-Branch Office. This research is a quantitative study with sampling using saturated samples with a sample size of 17. The data collection technique uses literature study, interviews, documentation and questionnaires. Data analysis techniques include instrument test (validity test, reliability test), classic assumption test (normality test, multicollinearity test, heteroscedasticity test), multiple linear regression analysis, hypothesis testing (determination coefficient test (R2), t test, F test). To simplify the data analysis process, this research was assisted by the SPSS version 23 program. The results of the t test showed that there was no influence of the work environment on employee job satisfaction, there was no influence between competence on employee job satisfaction, and there was an influence between career development on employee job satisfaction. Simultaneously there is an influence between work environment, competence, and career development on employee job satisfaction.
EFFECT OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS INFLUENCE OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS rizka yani; azwar hamid; ihdi aini; sulaiman efendi
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (610.726 KB) | DOI: 10.24952/jsb.v2i1.4838

Abstract

Third-party funds are fund collectors in the banking sector. Third party funds include current accounts, savings and deposits collected from the community. Third party funds always experience an increase but are not followed by revenue sharing and inflation that has fluctuated. The formulation of the problem in this study is whether the profit sharing and inflation have a partial and simultaneous effect on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The purpose of this study was to determine how much the effect of profit sharing and inflation on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The discussion in this study relates to Islamic banking and macroeconomics. The approach taken in this study relates to theories relating to revenue sharing, inflation and Third Party Funds. This research is a quantitative study, the source of the data is secondary with a series of times series of 72 samples. Data collection techniques are documentation and literature. Normality Test, Normality Test, Classical Assumption Test which includes Multicollinearity Test, Autocorrelation Test, Heteroscedasticity Test, Hypothesis Test which includes Partial Significant Test (tTest), Simultaneous Regression Coefficient Test (Ftest), Determination Coefficient Test, Multiple Linear Analysis. The results of this study indicate that partially the shares have -ttest ttable (-2.725 -1.667) which means that the results have a significant negative effect on DPK. And inflation has -ttest -ttable (-4,852 -1,667) which means that inflation has a significant negative effect on Third Party Funds. And profit sharing and inflation simultaneously affect the Third Party Fund. This is evidenced by the value of Fcount Ftable (48.966 3.13). R2 shows that the percentage of contribution of the influence of independent variables on the dependent variable is 58.7% and the remaining 41.3% is influenced or or explained by other variables not included in this research model.
EFFECT OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL ON CAPITAL ADEQUACY RATIO (CAR) IN PT. BNI SHARIA PERIOD 2011-2018 arjun arjun; Windari windari; ali hardana; syuaib nasution
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (738.398 KB) | DOI: 10.24952/jsb.v2i1.4439

Abstract

Based on data obtained from the financial statements of PT. BNI Syariah for the period of 2011-2018 an increase in the value of CAR is not in line with an increase in capital but an increase in CAR while capital has decreased in 2012, 2016 and 2018. A decrease in the value of CAR is not in line with a decrease in capital but a decrease in the value of CAR while capital has increased in 2017. The purpose of this study was to determine the effect of core capital and complementary capital variables partially and simultaneously on CAR at PT. BNI Syariah for the period of 2011-2018. The results of the partial research (t test) core capital has no partial effect on CAR as evidenced by tcount ttable (1,296 2,045), and supplementary capital has a negative effect on CAR as evidenced by tcount ttable ie (-2,849 - 2,045). Whereas simultaneously core capital and supplementary capital variables have simultaneous (joint) influence on CAR as evidenced by Fcount Ftable (4.060 3.33).
Analysis of the Determinants of Third Party Funds PT. Bank Muamalat Indonesia Tbk devi yana; Windari windari; ali hardana; abdul nasser hasibuan
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (730.403 KB) | DOI: 10.24952/jsb.v1i2.4745

Abstract

Third Party Funds (DPK) consist of demand deposits, savings, time deposits. The increase in DPK at PT. bank Muamalat Indonesia Tbk, continued to increase from 2010-2014 but decreased from 2015-2016 and increased again in 2017 then decreased again in 2018. The increase and decrease in the amount of DPK PT. Bank Mualamat Indonesia is of course influenced by several factors including inflation, BI Rate, exchange rate, and the money supply. This research is a quantitative research. the data used is time series data for the quarter 2010-2018 published by Bank Indonesia and PT. Bank Muamalat Indonesia Tbk. through the official website www. bi.go id and www.bankmuamalat.co.id were analyzed using eviews9. The results of this study indicate that inflation partially affects TPF. The BI Rate has a partial effect on DPK. The Rupiah Exchange Rate partially has a negative effect on DPK. The amount of the Money Supply has a partial effect on DPK. And Inflation, BI Rate, Rupiah Exchange Rate and Money Supply have a simultaneous effect on DPK.
THE EFFECT OF MUDHARABAH, MUSYARAKAH AND MURABAHAH FINANCING ON NET PROFIT IN PT. BANK MUAMALAT INDONESIA, Tbk ayu rumi; arbanur rasyid; ali hardana; sulaiman efendi
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (769.931 KB) | DOI: 10.24952/jsb.v1i2.4431

Abstract

This research is a quantitative research using multiple linear regression data analysis with data collection techniques used are documentation and literature study. The data was processed using statistical calculations with the SPSS 23.0 computer program, with a total sample of 53 samples whose data was obtained through the website www.ojk.go.id. The results showed that partially mudharabah financing had an effect on net income because the value of tcount ttable (2,011 2,009), musyarakah financing had an effect on net income because the value of -tcount -ttable (-1,925 -2,009), and murabahah financing had an effect on profit. net because the value of tcount ttable (2,366 2,009). Simultaneously, mudharabah, musyarakah and murabahah financing affect net income because the value of Fcount Ftable (5.689 2.79). The effect of mudharabah, musyarakah and murabahah financing on net income is 25.8%, while the remaining 74.2% is influenced by other factors not included in this study.
THE INFLUENCE OF PROMOTIONS ON DECISIONS SITINJAK VILLAGE COMMUNITY USING SAVING PRODUCTS HAJJ IN SHARIA BANK annisa yuliana; fatahuddin siregar; adanan murrah; veri pramudia
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (603.238 KB) | DOI: 10.24952/jsb.v1i1.4681

Abstract

Without promotion, it is not expected that customers can get to know the bank, therefore, promotion is the most effective means of attracting and retaining customers. One of the objectives of bank promotion is to inform all types of products offered and try to attract new prospective customers. Promotion is not only a communication tool between companies and customers, but also as a tool to influence customers. Customer decisions are alternative choices of decisions made by customers to use the products offered by the company. This research is a quantitative study using simple regression analysis. The collection technique used by researchers in this study is to use a questionnaire and through observation of individuals whose information is needed in this study. Questionnaire is a data collection technique that is done by giving a set of statements or written questions to respondents to be answered. The sample used in this study were 34 respondents. Data processing is done with SPSS version 22. The results of the coefficient of determination (R2) can be seen that the R Square value of 0.443 means that the promotion variable is able to explain the decision variable to be a customer by 44.3 percent while the remaining 55.7 percent is explained by other variables not included in this model. In another sense that there are still variables that influence the decision to become a customer in addition to promotion. Based on the results of this study indicate a significant influence that is the promotion of decisions with a ttable tcount (2.036 5.041).
THE EFFECT OF KNOWLEDGE ON VOTING INTEREST PRODUCTS PT. MANDIRI SHARIA BANK PADANGSIDIMPUAN (Case Study to Guru Al-Azhar Bi'ibadillah Ujung Gading District Angkola stem) Elna Sriwanna; ikhwanuddin harahap; Windari windari; ali hardana
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (642.541 KB) | DOI: 10.24952/jsb.v1i1.4676

Abstract

This research is motivated by the assumption that some Al Azhar Bi'ibadillah teachers say that there are no differences between Islamic banks and conventional banks. Besides that, the socialization carried out by Islamic Banks, especially PT Bank Syariah, is still low. The formulation of the problem in this study is whether there is an influence of knowledge on the interest in choosing PT Bank Syariah Mandiri Padangsidimpuan products on the teacher of AlAzhar Bi'ibadillah Ujung Gading, Batang Angkola District. This study aims to determine the effect of knowledge on the interest in choosing PT Bank Syariah Mandiri products inĀ Padangsidimpuan in Al-Azhar Bi'ibadillah Ujung Gading Teachers, Batang Angkola District. The purpose of this research is to add insight to researchers and provide information and knowledge about Islamic banking for Al Azhar Bi'ibadillah teachers.This research is quantitative with a simple linear regression, sampling using census techniques also called saturated sampling techniques, with a population of 49 and 49 samples, using the help of SPSS Version 22 program. Based on the results of the test of the coefficient of determination (R2) it can be seen that the R Square value of 0.121 means that the knowledge variable is able to explain the variable of interest by 12% while the remaining 88% is explained by other variables not included in this model. In another sense that there are still variables that affect the interest in choosing PT Syariah Syariah Mandiri products in addition to knowledge. Based on the results of this study indicate the influence of knowledge of interest with the value of tthitung (2.544 Ėƒ 2.012).
Effect Of Service Quality And Employee Performance On Customer Satisfaction at PT. Pawnshop Pinang City Sharia Service Unit aisyah pratiwi; muhammad isa; ali hardana; sulaiman efendi
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (689.387 KB) | DOI: 10.24952/jsb.v2i2.4944

Abstract

Customer satisfaction is a level where the needs, desires and expectations can be met. This research is motivated by the lack of services provided by employees to customers so that there are some customers who are not satisfied. Inadequate employee performance so that there are multiple roles in carrying out tasks and become less than optimal. This study aims to determine the effect of service quality and employee performance at PT. Pawnshops of the Syariah Service Unit of the City of Pinang. The theories that support this research consist of understanding customer satisfaction, methods for measuring customer satisfaction, strategies to increase satisfaction, factors that affect satisfaction, understanding service quality, dimensions of service quality, understanding performance, employee performance indicators, factors that affect employee performance. The method used in this research is quantitative. Data collection techniques using a questionnaire.Sampling in this study using incidental sampling with a sample of 96 people. The tests used include descriptive analysis, instrument testing (validity test, reliability test), classical assumption test (normality test, multicollinearity test, autocorrelation test, heteroscedasticity test), hypothesis testing (R2 test, t test, F test), multiple linear regression analysis , assisted by the SPSS 23 program. The results of the partial study indicate that the service quality variable has a positive effect on customer satisfaction. Employee performance variable has no positive effect on customer satisfaction. Meanwhile, simultaneously the variables of service quality and employee performance have a positive effect on customer satisfaction. While the coefficient of determination (R2) test is obtained a value of 0,407 or 40,7%, this shows that the quality of service and employee performance on customer satisfaction is 40,7% .While the remaining 59,3% is influenced by other variables not included in this study.
THE EFFECT OF INFLATION LEVEL AND GOLD PRICES ON THE DISTRIBUTION OF RAHN'S FINANCING IN PT. PEGADAIAN (PERSERO) SHARIA BRANCH ALAMAN BOLAK PADANGSIMPUAN berlin berlin; abdul nasser hasibuan; sarmiana batubara; idris saleh
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (715.518 KB) | DOI: 10.24952/jsb.v2i1.4440

Abstract

This research is motivated by the financing of rahn distributed by PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan from 2015-2018 has always experienced an increase. In 2015 rahn financing disbursed amounted to Rp. 12,722,736 experienced an increase in 2016 by 10% to Rp. 14,171,000, then continued to increase in 2017 by 11% to Rp. 15,877,390 while in 2018 it increased by 1% in the amount of Rp. 15,918,480, but the level of inflation and the price of gold Padangsidimpuan City has increased and decreased. This is very possible because the inflation rate is very influential to the rising cost of gold and the price of gold can be said to affect the distribution of financing because some people who mortgaged their goods in the form of gold to obtain funds. This research is quantitative research. Data sources used are primary data and secondary data. To collect the required data is done by using the interview and documentation method, namely the 2015-2018 monthly financial statements PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan, with a total sample of 48 months. Data were processed with the help of SPSS program version 23. Based on statistical test results partially the inflation rate does not affect the distribution of rahn financing, this can be proven in the hypothesis testing results of the inflation rate variable having tcount (-1,639) ttable (-1,679), then H0 is accepted Ha is rejected, and the gold price variable has t (2,353) ttable (1,679), then H0 is rejected Ha is accepted, then the inflation rate and gold price variables simultaneously influence the distribution of rahn financing with the results of Fcount (4,435) Ftable (3,204) means that H0 is rejected and Ha is accepted, from the determination test obtained the calculation of 18.4% is determined by the inflation rate and the price of gold and the remaining 81.6% is explained by other variables.
Motivation of Non-Muslims to Become Customers at PT. Bank Syariah Mandiri KC. Sibolga amsal amsal; fatahuddin siregar; idris saleh; ferri alfadri
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (621.361 KB) | DOI: 10.24952/jsb.v1i2.4746

Abstract

The background of the problem in this study is PT. Bank Syariah Mandiri KC. Sibolga does not only have customers who are Muslim but PT Bank Syariah Mandiri KC. Sibolga has non-Muslim customers who account for almost half of the total customers who are motivated to make transactions at the bank. This shows that PT Bank Syariah Mandiri KC. Sibolga is well received by the non-Muslim community in the city of Sibolga. Discussion of research related to the field of Islamic banking. Islamic banks are financial institutions that encourage and invite the public to participate in various products based on sharia principles. While motivation is a set or collection of behaviors that provide a basis for a person to act in a way that is directed towards certain specific goals. The research method used is qualitative research using a descriptive approach. The types of data used are primary data sources and secondary data sources. Taknik followed the data with observation, interviews and documentation. Based on the results of the research conducted, researchers saw that in general the non-Muslim community was motivated by the services provided by PT. Bank Syariah Mandiri KC. Sibolga. motivation of the non-Muslim community to become customers at PT. Bank Syariah Mandiri KC. Sibolga's location is very affordable, a promotion conducted by PT. Bank Syariah Mandiri KC. Sibolga is very suitable with socializing in the market and at school. In addition there are also those who change because of the rules of the Ministry of Religion office that roam as customers at PT. Bank Syariah Mandiri KC. Sibolga.

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