JPS (Jurnal Perbankan Syariah)
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Published By Sekolah Tinggi Ilmu Ekonomi (STIE) Syariah Bengkalis

2721-7094, 2721-6241
Updated Saturday, 16 October 2021

2021 ◽  
Vol 2 (2) ◽  
pp. 114-130
Author(s):  
Muhammad Zuhirsyan ◽  
Nurlinda Nurlinda

This research aims to see how much influence religiosity, perception, and motivation have on choosing Islamic banking. This research is quantitative research with data collection methods using survey methods and questionnaires. Samples were selected by non-probability sampling and convenience sampling. Questionnaires were distributed to 96 CIMB Niaga Syariah Medan customers, and 61 questionnaires were returned. Data analysis using multiple regression test using SPSS tool. The study results found simultaneously that religiosity, perception, and motivation influenced the decision to choose Islamic banking. Partially, motivation has a positive effect on the decision to choose Islamic banking. In contrast, religiosity has a negative value and does not affect the decision to choose Islamic banking and perception, does not affect the decision to choose Islamic banking.


2021 ◽  
Vol 2 (2) ◽  
pp. 165-182
Author(s):  
Linda Devy Ramadhani ◽  
Taufikur Rahman

This study aims to analyze the effect of mudharabah financing, murabahah financing, and ijarah financing on return on assets (ROA) with operating costs and operating income (BOPO) as intervening variables. This research is quantitative research using secondary data in panel data with a purposive sampling technique. The sample used is three Islamic commercial banks registered with the financial services authority from 2017 to 2020. Data analysis includes descriptive test, stationary test, regression test, classical assumption test, path analysis test, and Sobel test. The results of this study indicate that mudharabah financing and ijarah financing do not affect ROA. Murabahah and BOPO financing has negative and significant effects on ROA. BOPO did not mediate the effect of mudharabah, murabahah, and ijarah financing on ROA.


2021 ◽  
Vol 2 (2) ◽  
pp. 237-246
Author(s):  
Martinus Robert Hutauruk ◽  
Mansyur Mansyur ◽  
Muhammad Rinaldi ◽  
Yisar Renza Situru

Companies engaged in the food and beverage business have a very high chance of success in running their business, given the increasingly high level of food and beverage consumption for the community. Information based on financial ratios needs to be improved in other forms of financial analysis to ascertain the future risk level. The purpose of this study is to analyze financial distress for food and beverage sub-sector companies listed on conventional stocks and Islamic stocks on the Indonesia Stock Exchange in the period 2015-2020. Financial distress analysis uses the Altman Z-Score bankruptcy prediction approach. The results of the study indicate that companies that experience accounting losses do not necessarily experience financial distress. Companies whose shares are listed on the Sharia stock index tend to experience healthier financial conditions and do not experience financial distress. Sharia shares of food and beverage sub-sector companies on the Indonesia Stock Exchange have good resistance to financial distress. This is supported by the high and stable value of Inti Agri Resources' shares compared to the shares of other companies.


2021 ◽  
Vol 2 (2) ◽  
pp. 226-236
Author(s):  
Dadang Husen Sobana ◽  
Ricky Hamzah ◽  
Sri Habibah

Third-party funds at Islamic commercial banks in Indonesia fluctuated. The factors that determine the accumulation of third-party funds are essential for Islamic banks' financial stability and management. This study aims to show and describe the effect of gross domestic product and inflation on third-party funds partially and simultaneously. The research method used is descriptive-associative with a quantitative approach. The population used is Islamic commercial banks in Indonesia. Data analysis using multiple linear regression. The results show that gross domestic product and inflation partially affect third-party funds in Islamic commercial banks in Indonesia. Meanwhile, simultaneously gross domestic product and inflation have a significant effect with a contribution of 85.5% to third-party funds in Islamic commercial banks in Indonesia. The increase in third-party funds depends on Indonesia's macroeconomic conditions, the dominant macroeconomic influencing the collection of third-party funds in Islamic commercial banks in Indonesia.


2021 ◽  
Vol 2 (2) ◽  
pp. 131-149
Author(s):  
Sasabila Tisat Anisa ◽  
Saiful Anwar

This research aims to analyze the effect of capital adequacy ratio (CAR), financing risk (NPF), and operational efficiency (BOPO) on profitability (ROA) with liquidity level (FDR) as an intervening variable in Islamic commercial banks (ICB) in Indonesia in 2015 to 2019. The data used is secondary data in panel data, taken from the annual reports published by each ICB official website. Data analysis used multiple linear regression and path analysis. The results of this study found that CAR has a negative effect on ROA, NPF has a negative effect on ROA, BOPO has a negative effect on ROA, FDR has a positive effect on ROA, CAR has a negative effect on FDR, NPF has a negative effect on FDR, BOPO has a positive effect on FDR liquidity. At the same time, FDR cannot be an intervening variable in the relationship of CAR, NPF, BOPO to ROA. This research provides insight for ICB in maintaining the value of NPF and BOPO to increase the company's net profit.


2021 ◽  
Vol 2 (2) ◽  
pp. 197-211
Author(s):  
Muhammad Khozin Ahyar

Financing in Islamic banking can be regarded as an investment because Islamic banking is a fund manager (mudharib) from the owner of the funds (shahibul maal), namely the customer. This research aims to show that investment diversification can minimize risk and increase profitability in Islamic banking. This study uses a quantitative method with a multiple linear regression model with 14 independent and 2 dependent variables. The data used is secondary data obtained from the Islamic banking statistics of the Financial Services Authority. The result of this research is that diversification of financing based on the economic sector has no effect on profitability but affects risk in reducing default. This research has implications for reducing the risk of default in Islamic banking, marked by the performance and quality of Islamic banking financing getting better.


2021 ◽  
Vol 2 (2) ◽  
pp. 212-225
Author(s):  
Idris Saleh

This research aims to show the effect of capital adequacy ratio (CAR), financing to deposit ratio (FDR), non-performing financing (NPF), operating expenses on operating income (OEOI), and inflation partially and simultaneously on return on assets (ROA) at Sharia Commercial Bank in Indonesia. This type of research is a quantitative research using secondary data based on panel data. The research population consisted of 11 Islamic Commercial Banks in Indonesia using the purposive sampling technique so that 220 samples were obtained. The data analysis technique used is panel data regression method, classical assumption test, coefficient of determination, t-test, and f-test. The results show that CAR has a positive and significant effect on ROA, FDR has a negative and insignificant effect on ROA, NPF, and inflation has a positive effect and is not significant on ROA. At the same time, OEOI has a negative and significant effect on ROA. Simultaneously all independent variables have a significant effect on ROA.


2021 ◽  
Vol 2 (2) ◽  
pp. 150-164
Author(s):  
Fitra Azkiya Firdiansyah

So far, the rapid development of Islamic banking has not been supported by competent resources according to Islamic principles. The resources contained in Islamic banking so far have been a shift from conventional banking, resulting in the incompetence of these resources in Islamic banking. This study aims to analyze the optimization of human resource management in Islamic banking following Islamic principles. The method in this research is descriptive analysis with a qualitative approach. The analysis uses deductive and inductive techniques from various published literature. The results of the study show that human resources in Islamic banking are not yet optimal. The development and development of available resources must align with the position, training, and development of attitudes and managerial skills instilled with Islamic financial and ethical principles. Islamic banking must cooperate with universities in the coaching process to absorb potential resources with added value and have Islamic-based competencies.


2021 ◽  
Vol 2 (2) ◽  
pp. 183-196
Author(s):  
Lantip Susilowati ◽  
Nita Sistiani

The purpose of this research is to show the differences in financing between Bank Mandiri and Bank Syariah Mandiri; the effect of the inflation rate on financing; the influence of the BI-7 day repo rate on financing; the influence of the number of third party funds on financing; the effect of the statutory reserve requirement on financing. This research uses a quantitative approach with associative and comparative types of research. The sampling technique used was the purposive sampling method. The test uses a hypothesis test and an independent sample test to compare the financial performance of the two banks. The results showed that the inflation rate, BI-7 day repo rate, and the minimum reserve requirement had no effect on financing at Bank Mandiri and Bank Syariah Mandiri. While third-party funds partially have a positive and significant effect on financing at Bank Mandiri and Bank Syariah Mandiri. There is a significant difference between financing between Bank Mandiri and Bank Syariah Mandiri. This research can provide input for Islamic banking, especially Bank Mandiri and Bank Syariah Mandiri, in determining profit-sharing financing policies.


2021 ◽  
Vol 2 (1) ◽  
pp. 67-83
Author(s):  
Hamdi Agustin

The purpose of this research is to re-conceptualize the theory of Islamic banking according to the Al-Quran and Hadith. This research needs to be carried out considering that the operational activities of Islamic banks, especially in Indonesia, have been heavily criticized by academic researchers because there have been several deviations from Islamic banking activities that are not in accordance with the provisions of Islamic law. The method used in this research is the method of documentation and reviewing secondary data in the form of theories regarding Islamic banking. The analysis technique used is descriptive. Where the development of Islamic banking literature will be explained in a complete and structured manner so that it will produce an in-depth explanation. The results showed that the theory of Islamic banking is shaped like a building where the foundation of Islamic banking is faith-based on the Al-Quran and Hadith and carries out the characteristics of the Prophet Sallallaahu ‘Alaihi Wasallam. After the foundation is in place, it can run the rules of Islamic banking based on sharia which consists of prohibition of all usury practices, prohibition of financing maysir and gharar businesses, financing of real assets, sharing of profits and risk of loss. If sharia has been implemented in sharia banking, a pure sharia bank will be realized so that it will get the blessing of Allah Ta'ala.


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