cover
Contact Name
Zakaria Batubara
Contact Email
lppmstiesyariahbengkalis@yahoo.com
Phone
+628117501025
Journal Mail Official
lppmstiesyariahbengkalis@yahoo.com
Editorial Address
Jl. Poros Sungai Alam - Selat Baru, Sungai Alam, Kecamatan Bengkalis, Kabupaten Bengkalis, Riau, Indonesia 28711
Location
Kab. bengkalis,
Riau
INDONESIA
JPS (Jurnal Perbankan Syariah)
ISSN : 27216241     EISSN : 27217094     DOI : https://doi.org/10.46367/jps
Core Subject : Economy,
JPS (Jurnal Perbankan Syariah) terbit dalam bentuk tercetak dan online, diterbitkan oleh LPPM Publishing & Printing yang berada dibawah naungan Pusat Penelitian dan Pengabdian Masyarakat (PPPM) Sekolah Tinggi Ilmu Ekonomi (STIE) Syariah Bengkalis. JPS berisi hasil penelitian lapangan dan penelitian pustaka atau hasil pemikiran tentang perbankan dan perbankan syariah. JPS berfungsi sebagai tempat untuk akademisi, ilmuwan, peneliti, praktisi dan kalangan industri dalam berbagi pandangan mengenai perbankan dan perbankan syariah yang dituangkan kedalam makalah ilmiah. Fokus utama JPS adalah: Perbankan Syariah, Perbankan, Lembaga Keuangan Non Bank, Sistem Informasi Bank Islam, Akuntansi Bank Islam, Audit Bank Islam, Manajemen Bank Islam, Manajemen Risiko Perbankan Syariah, Manajemen Pemasaran Perbankan Syariah, Perancangan Hukum Bank Islam, Manajemen Likuiditas Bank Syariah , Analisis Laporan Keuangan Bank Syariah, Etika Perbankan Islam. Terbit bulan April dan Oktober setiap tahunnya.
Articles 22 Documents
Pengaruh Sistem Bagi Hasil Deposito Terhadap Persepsi Nasabah Arianti, Devi Wahyu; Ishak, Khodijah
JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i2.237

Abstract

Banking is a financial institution that provides services and facilities to its customers who wish to conduct financial transactions. Bank Syariah Mandiri is a sharia financial institution that offers mudharabah time deposits with a profit-sharing agreement. This study aims to determine the effect of the deposit sharing system on customer perceptions at Bank Syariah Mandiri Bengkalis Sub-Branch Office. This research uses quantitative methods with the number of respondents as many as 110 customers. Based on the results of the calculation of the correlation between profit-sharing with customer perceptions has a positive relationship. Then there is a significant influence between profit-sharing on customer perceptions at Bank Syariah Mandiri Bengkalis Sub Branch Office.
Analisis Sistem Pengelolaan Keuangan Produk Pembiayaan Syariah Dengan Akad Murabahah Winarto, Wahid Wachyu Adi; Falah, Fatimatul
JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i2.234

Abstract

Cooperatives for Savings and Loans and Sharia Financing are microfinance institutions that collect funds from the public and distribute them to people who need these funds. The purpose of this study was to determine the financial management system of sharia financing with the murabahah contract in the Baitut Tamwil Tazakka Islamic Savings and Loan Cooperative. This research is qualitative research using interview and documentation methods and obtained primary and secondary data results. The results of this study are that the murabahah contract is one of the most dominant contracts in the Baitut Tamwil Tazakka Sharia Savings and Loan Cooperative. Among the products are funding and financing products. In non-performing financing or bad credit, it is known from Non-Performing Financing 0.4%, so to avoid this, the Saving and Loan and Sharia Financing Cooperatives use the 5C principles, namely Character, Capacity, Capital, Collateral, and Condition.
Dimensi Charity Perbankan Syariah Bahri, Saiful
JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i2.231

Abstract

There are too many words of Allah in the Qur'an regarding donations and alms, at the same time it states that this charity instrument is a fundamental and principal variable in Islamic law which is actually a way of life. The urgency of charity is not only for individuals, but also very useful for financial institutions such as Islamic banking. With the intensification and extensification of charity, it is imperative that these financial institutions gain good blessings in the world, especially for bankers in the afterlife. With a simple method, namely descriptive analysis, this study describes as few facts as the authors know and understand in order to become a source of inspiration for the next good.
Pengaruh Unit Simpan Pinjam Terhadap Peningkatan Kesejahteraan Ekonomi Masyarakat Desa Ramadani, Eka Kusuma; Oktayani, Dewi
JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i2.230

Abstract

This research aims to analyze and provide empirical evidence regarding the effect of the Penebal Teguh Mandiri savings and loan unit on improving the economic welfare of the Penebal village community. The problem in this research is that many people still use savings and loan units towards consumptive use. The data analysis method used is a quantitative analysis using validity and reliability tests, simple linear regression analysis, classical assumption test and the coefficient of determination using SPSS. The population used is the Penebal Village community with the criteria being the people who make loans at the Penebal Teguh Mandiri office of Penebal Village. The sample used was 174 people from the Penebal Village community. The results of this research indicate that only 38% of the level of influence of the savings and loan unit on the level of the economic welfare of the Penebal village community.
Behavioral Intentions Of Bank Customers Mahalizikri, Irawan Fakhrudin; Marmai, Ungsi Antara Oku; Suri, Elda Martha
JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i2.227

Abstract

The understanding of the people of the Bengkalis Island especially towards sharia banking services is still low. The purpose of this study was to analyze the factors that influence bank customers' switching behavior intentions. This research method uses a quantitative approach and data collection using a questionnaire given to 150 bank customers taken by non-probability sampling and analyzed using SPSS version 16. The results of hypothesis testing indicate that attitudes, subjective norms, perceptions of behavioral control, and ease of the system and the procedure has a positive and significant effect on the intention to switch bank customers, while the social influence and the influence of the image of the bank does not affect the intention to switch bank customers. This research is relevant for management to design service products that make it easy for users to increase user intentions to transact on Islamic banks.
Faktor-Faktor Kebijakan Yang Mempengaruhi Tabungan Mudharabah Pada Perbankan Syariah Di Indonesia Rahmany, Sri
JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i2.225

Abstract

The first Islamic bank as a pioneer did not use an interesting system but instead used a profit-sharing system, namely Bank Muamalat Indonesia. The National Sharia Council has issued a fatwa stating that justified savings are savings based on Islamic principles, namely mudharabah and wadiah. The purpose of this research is to determine the effect of policy factors on mudharabah savings transactions in Islamic banking partially and simultaneously. This research uses a quantitative method where the data is in the form of a ratio. The population in this research 34 Islamic banks in Indonesia and were used as samples. The results of the research are statistically proven partially and simultaneously inflation, exchange rates and the BI Rate have a significant effect on mudharabah savings.
Analisis SWOT Sebagai Strategi Meningkatkan Daya Saing Mashuri, Mashuri; Nurjannah, Dwi
JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i1.205

Abstract

This research aims to find out how the SWOT analysis as a strategy to improve competitiveness and obstacles in the Bank of Riau Kepri, Pekanbaru Business Unit. The research method used is quantitative descriptive method. The SWOT analysis used is descriptive analysis methods, SWOT matrix and SWOT diagram analysis. Data collection techniques in this study were interviews, questionnaires and literature. The results of this study are the SWOT analysis as a strategy to increase competitiveness needs to be evaluated again so that the formation of good performance from within and from outside the Bank of Riau Kepri, Pekanbaru Sharia Business Unit in advancing these banks throughout Province of Riau and Riau Islands.
Analisis Perilaku Konsumen Dan Keamanan Kartu Kredit Perbankan Hendarsyah, Decky
JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i1.204

Abstract

This paper discusses consumer behavior and banking credit card security. Credit cards are present as one of the non-cash payment methods that simplify business and financial matters so that many consumers use them. After review and discussion, it was found that consumer behavior in using credit cards is more dominated by personal factors. With the drive for needs and lifestyle, many consumers are interested in using a credit card. The bank as a credit card issuer also provides sophisticated and multi-layered security features. Even so, it still has a gap for the presence of fraud crime in various ways and forms. In order for credit cards to be safe from crime and fraud, consumer behavior must be changed by maintaining confidentiality, caution and vigilance in conducting transactions.
Pengaruh Pendidikan, Profesi Dan Bagi Hasil Terhadap Persepsi Masyarakat Pada Perbankan Syariah Rahmany, Sri; Asnita, Yuni
JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i1.203

Abstract

This research aims to determine whether education, profession and profit-sharing partially and simultaneously affect public perceptions of sharia banking in Siak Kecil District. The data analysis technique used is the validity test, reliability test, normality test, multiple linear regression test, t-test, f test and the coefficient of determination test. The results of this study found that the level of education did not significantly influence people's perceptions of Islamic banking in Siak Kecil District. Then in terms of the profession, there is a significant influence on people's perceptions of Islamic banking in the Siak Kecil District. In terms of revenue sharing, there is a significant influence on people's perceptions of Islamic banking in Siak Kecil District. Simultaneously education, profession and profit-sharing affect people's perceptions of Islamic banking in Siak Kecil District with a large influence of 55.4%.
Analisis Pengaruh Inflasi, Nilai Tukar Dan Bi Rate Terhadap Tabungan Mudharabah Pada Perbankan Syariah Di Indonesia Batubara, Zakaria; Nopiandi, Eko
JPS (Jurnal Perbankan Syariah) Vol 1 No 1 (2020): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM Publishing & Printing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i1.201

Abstract

This research aims to determine the effect of inflation, exchange rates, and the BI Rate on mudharabah savings in Islamic banking in Indonesia partially and simultaneously. This research is a quantitative study with time-series data. The data used in this study are secondary data. The population in this study is inflation data, the rupiah exchange rate, and the BI Rate and mudharabah savings. The population of Islamic banks in this study totalled 34 Islamic banks. The data analysis technique used in this study is the multiple regression analysis. Partially, inflation, exchange rates or the rupiah exchange rate and the BI Rate have a positive effect on mudharabah savings in Islamic banking in Indonesia. Simultaneously the inflation variable, the exchange rate or the rupiah exchange rate and the BI Rate have a significant effect on mudharabah savings in Islamic banking in Indonesia with an influence of 88.6%.

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