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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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Determinants of Community Interest in Batang Toru District Using Cicil Gold Products at PT. Bank Sharia Mandiri Kcp Batang Toru ika purnama; nofinawati nofinawati; sarmiana batubara; ferri alfadri
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 (698.559 KB) | DOI: 10.24952/jsb.v2i2.4946

Abstract

The lack of interest of the people of Batang Toru District in using gold installment products. The increase in gold prices makes some people tend to want to own gold. This causes people's interest to own gold to also increase. Gold installment products attract people's attention to own gold. However, what happened to the people of Batang Toru Subdistrict they felt burdened with the down payment given by the bank to the community, which was 20%, so that the community preferred to pay in installments for gold in a conventional way compared to sharia. The purpose of this study is to determine whether promotion, price, and service quality affect the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. The theory used in this research is public interest, promotion theory, price, service quality. This study is a quantitative study using multiple regression analysis, data collection techniques using a questionnaire with a sample of 100 people in Batang Toru District. The sampling technique is incidental sampling. Data processing was carried out with SPSS version 23. The results of the analysis carried out by researchers, the results of the partial study (t test) showed that promotion had an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Price has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. And the quality of service has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Judging by the promotion F test, price and quality of service have a simultaneous effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru.
The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018 nur haliza; nofinawati nofinawati; damri batubara; nando fahrizal
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 (842.934 KB) | DOI: 10.24952/jsb.v2i1.4444

Abstract

Return On Assets (ROA) is a ratio used to determine the bank's ability to generate profits. The problem in this research is that there is a phenomenon that is not in accordance with the theory. Where, in 2011 the fourth quarter of Non Performing Financing (NPF) decreased accompanied by a decrease in the value of Return On Assets (ROA), as well as Earning Asset Quality (KAP) increased but was not followed by an increase in Return On Assets (ROA). This research is a quantitative research, with the research location at PT. Bank Rakyat Indonesia Syariah, Tbk using secondary data as many as 40 samples in the form of quarterly consolidated financial statements obtained from the website www.ojk.go.id. Analysis of the data used is multiple linear regression test, classic assumption test, coefficient of determination (R2), as well as t test and F test. The results of the partial study (t test) show that Non Performing Financing (NPF) has a significant effect on return. On Assets (ROA), as evidenced by tcount ttable (2.464 2.026) with a significance level of 0.019 0.05, and Earning Asset Quality (KAP) has a significant effect on Return On Assets (ROA), as evidenced by - tcount -ttable that is (-3.385-2.026) with a significance level of 0.002 0.05. Meanwhile, simultaneously Non-Performing Financing (NPF) and Earning Asset Quality (KAP) have a significant effect on Return On Assets (ROA) as evidenced by Fcount Ftable (8.981 3.25) with a significant level of 0.001 0.05.The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018
SWOT ANALYSIS OF SAVING PRODUCTS IB HIJRAH HAJI PT. BANK MUAMALAT INDONESIA SUPPORTING BRANCH vera vera; ikhwanuddin harahap; Windari windari; arti damisa
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 (640.881 KB) | DOI: 10.24952/jsb.v2i1.4836

Abstract

One of the obstacles for the Mandailing Natal community to go on a pilgrimage is the high cost of going on a pilgrimage. IB Hijrah Haji Savings is a savings account that makes it easier for people to visit the Baitullah. However, not many people know about this IB Hijrah Haji savings product, seen from the number of IB Hijrah Haji savings customers who experience fluctuations every month in 2018. The problem formulation in this study is how to analyze the SWOT product of the IB Hijrah Haji Savings product PT. Bank Muamalat Indonesia Panyabungan Sub-Branch. The purpose of this study was to determine the development of the number of customers of IB Hijrah Haji Savings PT. Bank Muamalat Indonesia Panyabungan Sub-Branch. This research was conducted at PT. Bank Muamalat Indonesia Panyabungan Sub-Branch with qualitative-descriptive research method. The subjects of this research are employees of PT. Bank Muamalat Indonesia Panyabungan Sub-Branch, IB Hijrah Haji savings customers and the Mandailing Natal community. Collecting data using interview techniques and direct and indirect observations of objects related to the researched and documentation. Meanwhile, data analysis used the following techniques: data editing, data reduction and data decryption. The results of the study using the SWOT Matrix showed that PT. Bank Muamalat Indonesia Panyabungan Sub-Branch has strengths which consist of: fairly good and fast service, service to deliver prospective pilgrims and free Hajj rituals, free administration fees, free insurance. Weaknesses of IB Hijrah Haji savings, namely: lack of human resources marketing IB Hijrah Haji savings products, product promotion is still lacking. The savings opportunities for IB Hijrah Haji are: people who are predominantly Muslim, increasing customer interest in using this product, strategic location. Meanwhile, the threats of IB Hijrah Haji savings are: product competition that is getting tighter, locations between banks that are close to each other.
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 Inflation And The Amount Of Money Circulation On Return On Asset (Roa) In Sharia Commercial Banks Period 2011-2019 ishak ishak; arbanur rasyid; abdul nasser hasibuan; sulaiman efendi
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 (785.176 KB) | DOI: 10.24952/jsb.v1i1.4743

Abstract

The background of the problem in this study is the variable Return on Assets (ROA) in 2011-2019 at Islamic Commercial Banks. This fluctuating ROA is influenced by external factors such as inflation and the money supply. So that the formulation of the problem in this study is whether the inflation in circulation has an effect on ROA, whether the money supply affects ROA, and whether inflation and the money supply together have an effect on ROA. This study aims to determine the effect of inflation and the money supply on ROA in Islamic Commercial Banks for the period 2011-2019. This research is a quantitative research. The sample in this study used a saturated sampling technique. Using all of the population as a sample, we get 32 financial reports. The data analysis technique used time series from 2011 to 2019. Data processing used the SPSS version 22 application. The data analysis techniques used were statistical tests, classical assumptions, descriptive, normality test, multicollinearity test, heteroscedastical test, autocoleration test, hypothesis testing, multiple linear regression analysis, test the coefficient of determination. The results of the research (t test) show that the inflation variable has no effect on ROA and the money supply variable has a negative effect on ROA. Meanwhile, simultaneously (Test F) shows that the inflation variable and the money supply have a simultaneous effect on ROA. The datermination test (R2) in this study was 44,4% which was influenced by the variables in this study, while 55,6% was influenced by other variables that the researcher did not include in 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.
The Effect of Mudharabah Financing and Musyarakah Financing on Profitability Ratios at PT. Bank BRI Syariah TBK Period 2012-2018 norma sari; budi gautama; damri batubara; nando pahrizal
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 (904.625 KB) | DOI: 10.24952/jsb.v1i1.4679

Abstract

The background problem in this research is mudharabah financing and musyarakah financing experiencing fluctuations that are not followed by Return On Assets (ROA), which in accordance with the theory of increased financing, the Return On Assets (ROA) vice versa. The formula in this research is whether there is an influence of mudharabah financing and musyarakah financing on Return On Assets (ROA) at PT. Bank BRI Syariah TBK partially or simultaneously. This research is a quantitative descriptive study, the sample used as many as 36 samples with a purposive sampling design, data obtained through the website www.OJK.go.id testing in this study is to use the SPSS computer program Version 23. The results showed that partially there was the influence of mudharabah financing on Return On Assets (ROA) at PT. Bank BRI Syariah Tbk, and Musharaka financing shows that musyarakah financing partially influences Return On Assets (ROA) at PT. Bank BRI Syariah Tbk. With the results of the F test influential in the level of sig. So the hypothesis (Ha3) is accepted. So it can be concluded that simultaneously there is an influence between mudharabah financing and musyarakah financing on Return On Assets (ROA). While the R2square determination test is 33 percent while the remaining 67 percent is influenced by other factors not included in this study.
The Effect of Non Performing Financing (NPF) and Operating Expenses of Operating Income (BOPO) on Return on Equity (ROE) on PT. Bank Bri Syariah, Tbk. nofriyanti nofriyanti; kamaluddin ritonga; sry lestari; damri batubara
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 (844.761 KB) | DOI: 10.24952/jsb.v2i2.4951

Abstract

The background of this research is the incompatibility of theory with facts. Based on financial report data obtained from PT. Bank BRI Syria, Tbk. The period 2011-2019 tends to fluctuate. Financial ratios that can affect the rise and fall of the Return On Equity variable in this study are seen from the increase and decrease in the Non-Performing Financing variable and the Operating Income Operating Cost variable. The formulation of the problem in this study is whether there is an effect of Non-Performing Financing and Operational Costs of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. 2011-2019 period. This study aims to determine the effect of Non-Performing Financing and Operational Cost of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. Period 2011-2019 partially and simultaneously. This study discusses the financial statements related to the theory of the Non-Performing Financing variable and the Operating Cost of Operational Income variable on the Return On Equity variable. And related to other fields of Islamic banking science. This type of research is quantitative research, the data source used is secondary data through www. BRI Syariah.co.id. The sample of this research is 36 with data analysis used is multiple linear regression, by performing descriptive statistical tests, normality tests, linearity tests, classical assumption tests, hypothesis tests, R2 determination coefficient tests, and F tests, and the data is processed with the help of Software Eviews. Based on the results of the research partially Non-Performing Financing variables have a significant effect on Return On Equity, this is evidenced by the t-test analysis. And on the variable Operating Costs, Operating Income partially has a significant effect on Return On Equity, this is evidenced by the t-test analysis. Then simultaneously the variables of Non-Performing Financing and Operating Costs of Operating Income have a joint effect on Return On Equity
ANALYSIS OF RISK ASPECTS OF GOLD MORTGAGE PRODUCTS scholastika scholastika; kamaluddin ritonga; hamni fadilah; rahmat annam
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 (667.509 KB) | DOI: 10.24952/jsb.v2i1.4445

Abstract

This research is motivated by the analysis of the risk aspects of gold pawn products at PT. Pegadaian (Persero) Sibuhuan Syari'ah Service Unit. The types of gold and the varying price of gold in the market pose risks. The decline in gold prices will result in losses during the auction for PT. Pegadaian (Persero) Sibuhuan Syari'ah Service Unit. Pegadaian is more careful in following the price developments in the market, as well as the types of gold that supervises, must be more careful and thorough in assessing goods. What are the risks that occur in gold pawn products at PT. Pegadaian (Persero) Sibuhuan Sharia Service Unit. How are the steps to minimize the risk of products that are pawning gold. The purpose of this research is to see the risk of gold pawn products. The theory presented in this study is related to shari'ah pawnshops, the theory of gold pawn risk, the theory of economic uncertainty, natural uncertainty, human uncertainty. This research is a qualitative research with descriptive method. The data source used is primary data and secondary data. While the technique, the data of this research are interviews, observation and documentation. The results of the research on the Analysis of the Risk Aspects of Gold Pawn Products that occurred at PT. Pegadaian (Persero) Syari'ah Sibuhuan Service Unit is a market risk, namely a decrease in the price of gold which results in losses at the time of the auction, credit risk, namely the risk caused by the inability of the customer to pay off its obligations, operational risk, namely the risk arising from inadequacy in the management process. such as the entry of counterfeit gold, negligence in appraising collateral, legal risk of criminal acts either robbery or employee fraud, reputation risk, namely due to customer complaints against products or services at PT. Pegadaian (Persero) Syari'ah Sibuhuan Service Unit and natural disasters (force majeure), namely risks that cause losses with catastrophic disasters. The steps taken by PT. Pegadaian (Persero) Syari'ah Sibuhuan Service Unit to minimize the risk of gold pawn product risk by conducting supervision, guidance and supervision. Education is carried out for appraisers to update knowledge and refresh the existing estimators in the pawnshop.
FEASIBILITY ANALYSIS OF SMALL MEDIUM ENTERPRISES (MSMEs) IN MANDAILING NATAL REGENCY IN ACCESSING FINANCING IN SHARIA BANK suci suci; fatahuddin siregar; sarmiana batubara; sry lestari
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 (672.768 KB) | DOI: 10.24952/jsb.v2i1.4837

Abstract

The background of this research is Micro, Small and Medium Enterprises (MSMEs), which are productive businesses owned by individuals or private business entities, also called populist businesses, which currently receive attention and privileges mandated by law, including business credit assistance with low interest, ease of business permit requirements, business development assistance from government agencies, and several other facilities. No exception in Mandailing Natal Regency, which on average has a Micro, Small and Medium Enterprises (MSMEs). Lack of a good management system and capital that causes the failure of Micro, Small and Medium Enterprises (MSMEs) in Mandailing Natal Regency. The analysis is used to determine whether Micro, Small and Medium Enterprises (MSMEs) are eligible in obtaining financing from Bank Syariah Mandiri KCP Panyabungan. This research is a descriptive qualitative research. Data collection techniques in this study were interviews, observation, and documentation. The research subjects in this study consisted of First Informants namely SMEs and Secondary Informants namely Bank Mandiri Sharia Panyabungan KCP. The results of the study can be seen that the micro financing of Bank Syari'ah Mandiri is an alternative financing product from Bank Syari'ah Mandiri which is intended for MSME entrepreneurs (Micro, Small and Medium Enterprises). Analysis of the feasibility of micro financing of the Syari'ah Bank Mandiri Panyabungan Sub-Branch Office to prospective customers is that the submission must meet the requirements: Character, Capacity, Capital, Collateral, Condition (5C) and the conditions that must be met by the SMEs. In accessing financing in Islamic banks is very influential because there must be requirements that must be completed so that the disbursement of financing for Micro, Small and Medium Enterprises (MSMEs) can be resolved as soon as possible and can be accepted by the bank.

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