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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 10 Documents
 1 
Search results for , issue "Vol 1, No 2 (2020)" : 10 Documents clear
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.
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.
COMPARATIVE ANALYSIS OF RISK AND RETURN IN PT. BANK BRI SYARIAH BEFORE AND AFTER SPIN OFF siti ratna sari; darwis harahap; azwar hamid; rahmat annam
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 (779.471 KB) | DOI: 10.24952/jsb.v1i2.4432

Abstract

PT. Bank BRI Syariah is one of the banks that performs a spin-off with the aim of making a profit. Researchers use the FDR ratio to assess risk and ROA ratio to assess return at PT. BRI Syariah Bank before and after the spin off. The value of the FDR ratio before and after the spin off fluctuated but net income continued to increase as well as the value of the ROA ratio before and after the spin off fluctuated while net income continued to increase from year to year. The formulation of the problem in this study is whether there are differences in risk and return at PT. BRI Syariah Bank before and after the spin off. The purpose of this study was to analyze the difference in risk and return before and after the spin off. This research is a quantitative research. The data collection technique used is literature study and documentation, through the official website of PT. BRI Syariah, namely www.brisyariah.co.id and the Financial Services Authority, namely www.ojk.go.id. The data analysis technique used descriptive analysis, normality test, sample paired t-test. The data processing process using a computer program, namely SPSS version 22.0. The statistical test results of the paired t-test sample indicate that there are differences in risk (risk) of PT. BRI Syariah Bank before and after the spin off if measured using the Financing to Deposit Ratio (FDR), with a tcount value of 5.288 and a ttable value of 1.70329 (5.288 1.70329). The results of the statistical test of the paired t-test showed that there were differences in the return of PT. BRI Syariah Bank before and after the spin off if measured using Return On Assets (ROA), with a tcount value of 15.318 and a ttable value of 1.70329 (15.318 1.70329).
THE EFFECT OF THE MOTIVATION OF AVOIDING RIBA AND KNOWLEDGE OF SHARIA BANKING PRODUCTS ON THE DECISION TO BECOME A CUSTOMER AT PT. BANK MUAMALAT INDONESIA TBK KC PADANGSIDIMPUAN heni mutiara; Windari windari; ali hardana; syuaib nasution
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 (732.196 KB) | DOI: 10.24952/jsb.v1i2.4433

Abstract

This study aims to determine the significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer at PT. Bank Muamalat Indonesia Tbk KC Padangsidimpuan. The method used in this research is descriptive quantitative. The data collection techniques used were questionnaires and documentation. Sampling in this study using random sampling with a sample size of 99 people. To simplify the data analysis process, this research was assisted by the SPSS version 23 program. The t test results indicate that there is a significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer. Based this shows that the influence of the motivation variable to avoid usury and knowledge of Islamic banking products on the customer satisfaction variable.
The Effect of Profitability Ratios on Financial Distress in Islamic Commercial Banks in Indonesia hasanah siregar; darwis Harahap; abdul nasser; nofinawati nofinawati
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 (792.838 KB) | DOI: 10.24952/jsb.v1i2.4352

Abstract

The background of this research is based on the existing theory that the higher the level of profit sharing, the Musyarakah financing will increase, conversely if the profit sharing rate decreases, the Musyarakah financing will tend to decrease. This is not in accordance with the financial statements of sharia commercial banks and sharia business units for the 2016-2018 period. So that the formulation of the problem in this research is whether there is an effect on the level of revenue sharing towards the financing of Musyarakah in Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. And this study aims to determine whether there is an effect of the level of profit sharing on the financing of Musyarakah in Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. This study deals with financial statements that discuss the notion of financing, elements of financing, financing functions, financing benefits, understanding Musyarakah, types of Musyarakah, Al-Musyarakah benefits, Understanding of results, basic principles of the concept of revenue sharing, method of calculation of results , the application of profit sharing in Islamic banking, in connection with the approach taken is the theories relating to the financing of Musharaka, profit sharing. This type of research is descriptive quantitative research. The data source used is secondary data taken through www.ojk.go.id. Data collection techniques used are literature study and documentation based on financial reports on the level of profit sharing, musyarakah financing at Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. The data analysis technique used is descriptive analysis test, normality test, simple linear regression analysis test, hypothesis test: t test, determination coefficient test (R2). The results of the study partially indicate that the level of revenue sharing affects the financing of Musyarakah.
EFFECT OF FEE BASED INCOME AND OPERATIONAL COSTS ON PROFIT IN PT. SHARIA INDONESIAN PEOPLE'S BANK karlina karlina; ikhwanuddin harahap; Windari windari; ali ali
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 (612.613 KB) | DOI: 10.24952/jsb.v1i2.4436

Abstract

This research is motivated by decline in profitability in the first quarter of 2017 which is thought to be influenced by income, especially income derived from services (fee based income) and operating cost. The purpose of this study was to determine the effect of  fee based income and operating cost on profits at PT. Bank Rakyat Indonesia Syariah both partially and simultaneously. This study is a quantitative study, data analysis techniques with multiple linear regression analysis, with data processing used through the SPSS 23 Program. The results of the study show that simultaneously fee based income and operating costs affect earnings. But partially, fee based income variables hasn’t effect on earnings. While operating costs affect earning. The coefficient of determination (R2) obtained R2 of 0,552. This show that 55,2% of each profit growth can be explained by the variable fee based income and operating costs, the remaining 44,8% is explained by other variables outside this study.
THE EFFECT OF BRAND EQUITY, PROMOTION AND SERVICES ON CUSTOMER'S DECISION TO USE SHARIA BANK IN SANGKUMPAL BONANG PADANGSIDIMPUAN MARKET jeni kurnia; muhammad isa; budi gautama; damri batubara
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 (745.671 KB) | DOI: 10.24952/jsb.v1i2.4353

Abstract

Sangkumpal Bonang market is the same as the market in general, where this market is where people trade, looking for fortune, a place where sellers and buyers meet and conduct transactions. Based on data obtained by Sangkumpal Bonang Padangsidimpuan market, more traders use conventional banks than sharia banks. This study aims to determine the effect of brand equity, promotion and service on customer decisions using Islamic banks in the Sangkumpal Bonang Padangsidimpuan market. This research is a quantitative research, data sources used are primary data. The data collection technique used was a questionnaire, and documentation with a total sample of 69 respondents with the sample measurement technique was the Slovin formula. The results of partial research (t test) are Brand Equity and Services affect the Customer Decision while Promotion does not affect the Customer Decision.
STRATEGY OF MARKET SEGMENTATION, TARGETING AND POSITIONING IN INCREASING THE NUMBER OF CUSTOMERS AT PT. BANK MUAMALAT INDONESIA Tbk KCP PANYABUNGAN rosdiyah rosdiyah; abdul nasser hasibuan; azwar hamid; zulaika matondang
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 (608.657 KB) | DOI: 10.24952/jsb.v1i2.4437

Abstract

This research is motivated by the large number of people in the city of Panyabungan who are predominantly Muslim who will provide benefits for Islamic banks. Selection of the right market by using market segmentation strategies, targeting and positioning that will help PT. Bank Muamalat Indonesia Tbk KCP Panyabungan in selecting potential customers who are useful to win competition with other banks. The research methodology used is descriptive qualitative using primary data and secondary data. Primary data were obtained by collecting data through interviews and observations, while secondary data were obtained from documents of BMI KCP Panyabungan.  The research found that the marketing strategy for BMI KCP Panyabungan products was market segmentation by selecting demographic and behavioral segmentation. Then the targeting is that BMI KCP Panyabungan chooses traders, entrepreneurs and employees as the target market. Next to positioning, BMI KCP Panyabungan builds a good image by embracing Ulama and educating the public that PT. Bank Muamalat Indonesia is an Islamic bank and is free from usury and provides souvenirs containing symbols to Ulama. Meanwhile, the obstacles faced are the size of the area, other competitors.
The Effect of Profitability Ratios on Financial Distress in Islamic Commercial Banks in Indonesia hasanah siregar; darwis harahap; abdul nasser hasibuan; nofinawati nofinawati
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 (796.004 KB) | DOI: 10.24952/jsb.v1i2.4430

Abstract

The background of this research is based on the existing theory that the higher the level of profit sharing, the Musyarakah financing will increase, conversely if the profit sharing rate decreases, the Musyarakah financing will tend to decrease. This is not in accordance with the financial statements of sharia commercial banks and sharia business units for the 2016-2018 period. So that the formulation of the problem in this research is whether there is an effect on the level of revenue sharing towards the financing of Musyarakah in Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. And this study aims to determine whether there is an effect of the level of profit sharing on the financing of Musyarakah in Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. This study deals with financial statements that discuss the notion of financing, elements of financing, financing functions, financing benefits, understanding Musyarakah, types of Musyarakah, Al-Musyarakah benefits, Understanding of results, basic principles of the concept of revenue sharing, method of calculation of results , the application of profit sharing in Islamic banking, in connection with the approach taken is the theories relating to the financing of Musharaka, profit sharing. This type of research is descriptive quantitative research. The data source used is secondary data taken through www.ojk.go.id. Data collection techniques used are literature study and documentation based on financial reports on the level of profit sharing, musyarakah financing at Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. The data analysis technique used is descriptive analysis test, normality test, simple linear regression analysis test, hypothesis test: t test, determination coefficient test (R2). The results of the study partially indicate that the level of revenue sharing affects the financing of Musyarakah.

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