Jurnal Ilmu Perbankan dan Keuangan Syariah

Analysis Of Sharia Mortgage Financing In Puri Khazanah Regency Batang Kuis Housing At Btn Syariah In 2021-2024

Yusra Shabira, Nursantri Yanti, Nurul Jannah — Mon, 02 Jun 2025 02:35:00 +0000

This study aims to analyze the effectiveness of subsidized Sharia mortgage financing distribution carried out by BTN Syariah in Puri Khazanah Regency Batang Kuis Housing. Using qualitative descriptive methods, this study identifies and analyzes the experiences and challenges faced by customers in the sharia financing process. This study focuses on a housing complex with 40 units and the research approach through interviews with 10 selected customers, the results of the study indicate that some customers face payment difficulties that lead to bad debts, which are caused by economic instability. The conclusion of this study emphasizes the need for a more effective restructuring strategy and a more sensitive approach to the economic conditions of customers to increase the success of Sharia mortgage financing distribution. Another implication concerns the need for more intensive financial education for low-income communities, so that they understand the responsibilities and risks in mortgage financing, and have mature financial planning before making a decision to borrow. For housing developers, this study emphasizes the importance of working more closely with banks to ensure the sustainability of housing projects and customer satisfaction. Overall, this study shows that the success of the Sharia mortgage financing program depends not only on the financing agreement and structure, but also on the sensitivity of the institution to the dynamics of the community's economy. In addition, these results highlight the importance of developing more flexible and adaptive financing restructuring strategies, such as adjusting tenors or postponing installment payments under certain conditions

Financial Performance Analysis of Islamic Bank Using FDR, ROA, ROE, and NPF Ratios

Fitra Syafaat, Tiara Timuriana — Tue, 10 Jun 2025 02:03:34 +0000

This study examines the long-term financial performance of Bank Victoria Syariah, a sharia banking institution in Indonesia, by analyzing four key financial ratios: Financing to Deposit Ratio (FDR), Return on Assets (ROA), Return on Equity (ROE), and Non-Performing Financing (NPF) from 2014 to 2023. Addressing the gap in the existing literature that often lacks in-depth institution-specific analysis, this study applies a quantitative descriptive method using audited financial statements to track trends in financial intermediation, profitability, and credit risk management within a Sharia-compliant framework. The findings show that although the bank initially faced challenges such as negative profitability and high credit risk, significant improvements were achieved in recent years—especially post-2021—as evidenced by a decrease in the NPF rate and an increase in ROA and ROE. These results suggest that strategic financial management and effective risk mitigation efforts play a significant role in improving bank performance and resilience. This study contributes meaningful insights for practitioners, regulators, and academics who seek to strengthen institutional performance, improve risk governance, and ensure long-term sustainability in the Islamic banking sector through more targeted financial strategies based on Sharia principles.

Cyber crime vs cyber security: implications for customer trust in e-banking at Indonesian Islamic banks

Ubay Harun, Muthmainnah, Rizki Amalia — Wed, 11 Jun 2025 00:00:00 +0000

This study explores the impact of cybercrime and cybersecurity on customer trust in e-banking services at Bank Syariah Indonesia (BSI), Palu Gajah Mada Branch, addressing a research gap related to the limited studies in the Islamic banking sector. The study offers a novel approach by integrating sharia principles into the analysis of digital security. The aim of this research is to identify how cyber threats and cybersecurity measures influence customers’ perceptions of e-banking security. Using a quantitative approach with a correlational design, the study involved 100 respondents selected through an accidental sampling method. The results of linear regression analysis indicate that cybercrime significantly reduces customer trust, while cybersecurity has a strong positive influence. The implications of these findings highlight the need for increased investment in digital security to maintain customer trust, ultimately supporting the stability and growth of Islamic banking

Effect of SCnP Financial Performance on Third-Party Funds Growth in Indonesian Islamic Banks (2017-2023)

Aninda Nur'aini, Femei Purnamasari, Gustika Nurmalia — Fri, 13 Jun 2025 03:27:22 +0000

This study aims to examine the effect of Islamic banking financial performance on the growth of Third Party Funds (TPF) in Indonesia in the period 2017–2023 using the Sharia Conformity and Profitability (SCnP) approach. This study focuses on three independent variables, namely the Islamic Investment Ratio (IIR), Islamic Income Ratio (IsIR), and Return on Assets (ROA). This study answers the gap in previous studies that rarely combine the balance between sharia compliance and profitability in explaining TPF growth. The method used is quantitative with panel data analysis using the Fixed Effect Model (FEM) on a sample of seven Islamic Commercial Banks (BUS) in Indonesia. The estimation results show that IIR (p = 0.5913) and IsIR (p = 0.9954) do not have a significant effect on TPF growth. On the other hand, ROA (p = 0.0096) has a positive and significant effect, indicating that bank profitability has a stronger influence on public trust and fund placement decisions than sharia compliance indicators. These findings suggest that while compliance with sharia principles is important, people still prioritize financial outcomes when choosing where to save their money. Therefore, Islamic banks are advised to maintain operational efficiency while strengthening sharia-based investment structures to increase credibility and competitiveness.

The Effects of Leadership Style and Work Motivation on Job Satisfaction among Employee

Andi Indriani Ibrahim, Fitri Sari Ningsih, Risnawati, Syahir Natsir — Fri, 13 Jun 2025 00:00:00 +0000

Study aims to analyze the Influence of Leadership Style and Work Motivation on Job Satisfaction of Maraja Mart Supermarket Employees in Ampana. The sampling technique that will be used in this study is Saturated Sampling, with a sample size of 30 respondents. Data collection using interviews, observations and questionnaires that have been tested for validity and reliability. The analysis method uses Multiple Linear Regression. The results of the study indicate that Leadership Style and work motivation simultaneously have a significant effect on the job satisfaction of Maraja Mart Ampana supermarket employees. Leadership style partially has a significant effect on the job satisfaction of Marja Mart Ampana supermarket employees. Work motivation partially has a significant effect on the job satisfaction of Maraja Mart Ampana supermarket employees.

The Effect of Company Size and Funding Policy on Profitability in the Property Industry on the Indonesia Stock Exchange

Herna Deswarti, Freddy Herdian , Muhammad Akbar , Nuriatullah — Fri, 20 Jun 2025 00:53:09 +0000

This study aims to examine the effect of company size and funding policy on profitability in the property industry on the Indonesia Stock Exchange in 2011-2013. The data used is secondary data in the form of annual reports of the property industry listed on the Indonesia Stock Exchange. After passing the purposive sampling stage, the feasible sample used was 31 companies listed on the IDX.

The results showed that the variables of Company Size and Funding Policy simultaneously had a positive and significant effect on Profitability. Partially, the variable Company Size has a positive and significant effect on Profitability. While Funding Policy has a negative and insignificant effect on Profitability. The results of this study are expected to be used as guidelines for investors in determining investment decision making in the property industry.

Improving of Welfare Mustahik Through the Dompet Dhuafa Livestock Center Program

Haniah Lubis, Yuni Harlina, Zainal Arifin, Agus Safi'i — Fri, 20 Jun 2025 12:42:56 +0000

This research is motivated by zakat-based economic empowerment in helping to improve the welfare of mustahik. The purpose of this study was to determine the role of zakat carried out by Dompet Dhuafa Riau through the Livestock Center program in improving the welfare of mustahik and to determine the supporting and inhibiting factors in the distribution of zakat. This study is a field study, on mustahik recipients of the Livestock Center Program in Simpang Petai Village, Rumbio Jaya District, Kampar and the Dompet Dhuafa Riau Zakat Institution. The population in this study were the person in charge of the Dompet Dhuafa Riau Livestock Center program and 6 mustahik of the Dompet Dhuafa Riau Livestock Center program. The source of research data uses primary data, which comes from interviews and secondary data through documentation data. The data analysis used is qualitative data analysis, by classifying data collected from the field, then managed and analyzed and described in detail and clearly. The results of the study indicate that the distribution of zakat through the Livestock Center program has had a positive impact and helped improve the welfare of mustahik. Supporting factors in the Livestock Center program are the availability of funds and capital from zakat, training and supervision from Dompet Dhuafa and the interest of mustahik in raising livestock. Inhibiting factors, lack of understanding and experience in raising livestock, patience of mustahik in running the program, and unstable marketing of livestock products.

Digital Transformation of Islamic Financial Institutions: Opportunities and Challenges in Reaching Unbanked Communities

Rahmat Hidayat, Aulia Syafirah , Ashey Yuniar — Fri, 20 Jun 2025 13:10:29 +0000

Digital transformation has become a major driver in financial services innovation, including in Islamic financial institutions. Amid the increasing need for financial inclusion, digitalization presents a great opportunity for Islamic financial institutions to expand the reach of their services, especially to unbunked segments of society, namely individuals or groups that do not have formal financial services. This study aims to explore the dynamics of digital transformation in Islamic financial institutions, by highlighting the potential and challenges faced in accessing and serving the unbunked community. The type of qualitative research is used using a literature review approach and descriptive analysis of various literature that supports the research. The results of the analysis show that digitalization through Islamic mobile banking, Islamic fintech platforms, and the use of big data is able to reduce geographical barriers, transaction costs, and increase budget efficiency. However, the main challenges faced by the community itself range from literacy, understanding, uneven technological infrastructure, and lack of public trust. With the right strategy, digital transformation not only strengthens the competitiveness of Islamic financial institutions, but also becomes an effective solution in reaching and deceiving unbunked communities.

The Influence of Money Supply (M2), Interest Rates (r), and Inflation (I) on Indonesia's Economic Growth: A Study During the COVID-19 Pandemic Period (2020–2022)

Muhammad Subryanto — Mon, 30 Jun 2025 04:45:45 +0000

This study aims to determine the partial and simultaneous or partial influence of the amount of money in circulation (JUB), interest rates (r) and inflation (I) on Indonesia's economic growth : a study on SARS, Bird Flu (H5N1) and Covid-19 Period 20 1 0-2022 and analyze the policies set by Bank Indonesia when SARS, Bird Flu (H5N1) and Covid-19 occurred . This type of research uses quantitative descriptive research, namely research that provides an overview of the influence of the amount of money in circulation (JUB), interest rates (r) and inflation (I) on Indonesia's economic growth: a study on SARS, Bird Flu (H5N1) and Covid-19 Period 2010-2022 This research was conducted in Indonesia because it is a country that is directly affected by the SARS, Bird Flu and Covid-19 viruses which have an impact on economic development in the last ten years. The research process includes several stages, namely, the preparation of research proposals which are divided into compiling research proposals, implementing research which is divided into the interview process, as well as analysis, data processing, and writing research reports. In this study, the objects of research are the amount of money in circulation, interest rates and inflation as independent variables and economic growth as the dependent variable . The results of this study show that the variables of Money Supply, Interest Rates, and Inflation have a significant effect on economic growth. The results of this analysis indicate that BI's monetary policy, especially in managing the amount of money in circulation and interest rates, plays an important role in maintaining economic stability and encouraging economic growth during the Covid-19 pandemic period 2020-2022

Usage of Financial Technology: A Study on Lhokseumawe Community Based on UTAUT Model

Zahriatul Afrah, Taufiq Mahmud, Rahmawati, Sahrish Taj — Mon, 30 Jun 2025 06:51:27 +0000

In today's digital age, every social activity involves the use of technology. Almost every industry, including finance, benefits from technological advances for innovation. Financial technology is an example of innovation in the financial industry and can be seen in the form of payments, electronic aggregators, risk and investment management, peer-to-peer lending, etc.The purpose of this study was to determine the effect of performance expectations, expected effort, social influence and facilitating conditions on the use of financial technology in the community in Lhokseumawe City. This research uses quantitative methods and uses non-purposive sampling techniques. The technique used in this research uses non-purposive sampling. Probability sampling technique is a sampling technique that provides equal opportunities for each member of the population to be selected as a sample. The population used is the general public of lhokseumawe city with a sample size of 100 respondents through distributing questionnaires. The results of this study indicate that partially the Performance expectancy and Effort Expectancy variables have a positive effect on utilization

Analysis of Customer Preferences in Choosing a Digital Bank based on the Level of Digital Financial Literacy in Bone Regency

Arafah — Mon, 30 Jun 2025 08:06:06 +0000

This study aims to analyze the effect of digital financial literacy level on customer preferences in choosing digital banks in Bone Regency. The background of this research is based on the rapid development of financial technology and the increase in digital banking services, which requires a better understanding of digital financial literacy from the public. This research uses a quantitative approach with a survey method through distributing questionnaires to 100 respondents who are customers in the Bone Regency area. The data analysis technique used is simple linear regression analysis. The results showed that digital financial literacy has a significant effect on customer preferences in choosing digital banks. This indicates that the higher a person's level of digital financial literacy, the more likely they are to choose digital bank services in their financial activities. This study recommends increasing digital financial education and counseling to the public to encourage the use of technology-based financial services more optimally and safely.