JPSDa: Jurnal Perbankan Syariah Darussalam

Pengaruh Fintech Payment, Kontrol Diri Dan Literasi Keuangan Syariah Terhadap Manajemen Keuangan Pribadi Pada Komunitas Genbi Bengkulu

Laila Tri Oktavia, Idwal B, Miko Polindi — Fri, 25 Jul 2025 00:00:00 +0700

This study aims to analyze the influence of Fintech Payment, self-control, and Islamic financial literacy on personal financial management within the Generasi Baru Indonesia (GenBI) community in Bengkulu. The research employs a quantitative approach, with data collected through questionnaires distributed to 175 respondents. The data were analyzed using multiple linear regression with the assistance of SPSS version 25. The analysis results show that, partially, Fintech Payment has a positive and significant effect on personal financial management with a significance level of 0.042. The self-control variable also has a significant influence, with a significance value of 0.003, while Islamic financial literacy demonstrates the most significant impact, with a value of 0.000. Simultaneously, the three variables have a positive and significant effect on personal financial management, as evidenced by a significance value of 0.000 (< 0.05). Therefore, these variables contribute significantly to improving the personal financial management skills of GenBI Bengkulu members.

Analisis Implementasi Akad Qordh Dan Wakalah Bil Ujroh Dalam Pembiayaan Bank Syariah

Hilda Sanjayawati, Lina Dwi Nurcahyati — Mon, 28 Jul 2025 00:00:00 +0700

Bank Muamalat is the first Islamic bank. By carrying the name of Sharia, Bank Muamalat implements the Islamic Sharia system with several contracts applied in it. Islamic Bank is a Bank that in carrying out its business activities is based on Sharia Principles and according to its type consists of Islamic Commercial Banks and Islamic. This study aims to determine and analyze the implementation of the qordh and wakalah bil ujroh contracts in financing. In order to achieve this goal, here the researcher uses a descriptive qualitative method. In collecting data, the study collected from several data sources such as interviews with related parties, namely sub-branch managers, academics representing universities and practitioners. And in this study reveals the facts of the incident, conditions and variables that occurred when this study was taking place by presenting what actually happened after carrying out a financing agreement properly and in its implementation it was in accordance with the rules of the DSN MUI. However, in this financing system there is something that is still lacking, namely in terms of officers marketing financing, because in terms of financing, the person in charge is relationship marketing funding, not relationship marketing landing.

Comparative Analysis Of The Health Of Syariah And Conventional Commercial Banks In Indonesia Using The Rgec Method

Ribut Suprapto, Nawal Ika Susanti, Mamlukhah Mamlukhah, Irma Sa'adah — Mon, 04 Aug 2025 00:00:00 +0700

The objectives of this study are analyzing financial ratios consisting of Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR, Good Corporate Governance (GCG) Return On Assets (ROA) and Capital Adequacy Ratio (CAR) can distinguish health between the Islamic banking group and the conventional banking group. This study uses a quantitative approach to the type of comparative research. The sample selection in this study used a non-probability sampling method which was purposive sampling with the following criteria: financial banking which has two sharia and conventional systems, financial banking which issued 10 consecutive financial statements, financial statement banking which had the highest assets in 2011- 2020, and banks whose financial statements whose profit and loss present data on outstanding shares and share prices. The results of the analysis of this study indicate that: 1) Financial ratios consisting of Non-Performing Financing (NPF) and Financing to Deposit Ratios (FDR, Good Corporate Governance (GCG) Return On Assets (ROA) and Capital Adequacy Ratio (CAR) are not have the ability to significantly distinguish between the Islamic banking group and the conventional banking group. The conclusion of the study shows that: 1) of the 4 (FOUR) financial ratios of Non-Performing Financing (NPF) and Financing to Deposit Ratios (FDR, Good Corporate Governance (GCG) Return On Assets (ROA) and Capital Adequacy Ratio (CAR), which analyzed, there is 1 (one) financial ratio that has the ability to distinguish significantly, namely the CAR ratio, because it has been proven by obtaining a significance value below 0.05, while the other 2 (two) financial ratios do not have the ability to distinguish (not a significant discriminator). between the Islamic banking group and conventional banking, including LDR and ROA, this is evidenced by the obtaining of a significance value above/greater than 0.05. 2) The soundness of conventional banking is better than the financial performance of Islamic banking.

Pengaruh Inovasi Teknologi, Literasi Keuangan, Dan Lingkungan Sosial Terhadap Minat Berinvestasi Di Pasar Modal Secara Komparatif

Dini Putri Pebriani Dini, Yosy Arisandy, Miko Polindi — Mon, 28 Jul 2025 00:00:00 +0700

This study aims to compare the influence of technological innovation, financial literacy, and social environment on students’ interest in investing in the sharia capital market at three universities: UIN Fatmawati Sukarno Bengkulu, Universitas Muhammadiyah Bengkulu, and Universitas Bengkulu. The background of this research is the rising trend of interest among Generation Z, particularly university students, in technology-based investments, financial awareness, and the influence of their social environment. This research used a quantitative approach with a survey method by distributing questionnaires to 112 respondents. The data were analyzed using multiple linear regression with the help of SPSS version 25. The findings indicate that, individually, technological innovation, financial literacy, and social environment positively and significantly affect interest in investing in the Islamic capital market. Collectively, these three variables also have a significant impact. These findings highlight the importance of enhancing financial literacy, optimizing the use of technology, and strengthening the role of the social environment in fostering investment interest among students, as well as creating a supportive social climate to encourage student participation in investment activities.

Strategi Pemasaran Syariah Pada Produk Cicilan Emas Dalam Upaya Meningkatkan Jumlah Nasabah Bsi Kcp Banyuwangi Purwoharjo

Nuril Fitriatussoleha, Mira Ustanti, Nurul Inayah — Fri, 01 Aug 2025 00:00:00 +0700

This study analyzes the marketing strategy of gold installment products based on murabahah contracts at BSI KCP Banyuwangi Purwoharjo using qualitative methods and the SWOT approach. This analysis aims to identify strengths, weaknesses, opportunities, and threats in an effort to improve marketing effectiveness and minimize the risk of making inappropriate decisions. The findings show that the main strengths of the product lie in compliance with sharia principles, transparency of contracts, and stability of gold investment. However, weaknesses such as low public literacy and limited accessibility remain a challenge. On the other hand, opportunities such as increased awareness of sharia products and new market segments such as high school and university students can be utilized to expand customer outreach. The recommended strategies include product development for young segments, increasing financial literacy through education, optimizing digital promotions, and collaboration with educational institutions. With this approach, BSI KCP Banyuwangi Purwoharjo can strengthen its position in the market, face gold price fluctuations, and compete with other financial institutions. This study concludes that a combination of strengths and opportunities-based strategies and mitigation of weaknesses and threats can be the key to successful marketing of sharia-based gold installment products.

Customer-Centric Approach : Strategi Diferensiasi Bsi Kcp Tuban Dalam Pemasaran Pembiayaan Pra Pensiun Di Era Digital

Moh Agus Sifa', Moch. Zainuddin, Andriani — Thu, 31 Jul 2025 00:00:00 +0700

Digital transformation and the dynamics of customer needs demand adaptive and customer-oriented marketing strategies in the Islamic banking industry. This study aims to analyze the customer-centric differentiation strategy implemented by Bank Syariah Indonesia (BSI) KCP Tuban in marketing pre-retirement financing products. With a qualitative approach through interviews and field observations, this study reveals that personalized advisory strategies, hybrid services (offline and online), and the use of digital technology such as the BSI Mobile application and chatbots are key to increasing customer engagement and satisfaction. Innovation through the #SiapPensiunTenang digital campaign and the use of customer data for service personalization also strengthen the competitive position of BSI KCP Tuban. The results of the study show that a customer-centric marketing approach can significantly increase interest in pre-retirement financing products and strengthen customer loyalty in the midst of a competitive digital era. These findings provide theoretical contributions to the development of Islamic marketing literature as well as practical implications for Islamic bank strategies in optimizing the pensioner market segment

Pengaruh Good Corporate Governance, Capital Asequasy Ratio, Dan Efisiensi Operasional Terhadap Kinerja Keuangan Bank Umum Syariah Di Indonesia

Agnes Kurnia, Wulan Ramadani Trisnaudy, Yudhistira Ardana, Any Eliza — Tue, 29 Jul 2025 00:00:00 +0700

This research investigates how Good Corporate Governance (GCG), the Capital Adequacy Ratio (CAR), and Operational Efficiency (BOPO) influence financial performance measured by Return on Assets (ROA) of Islamic Commercial Banks in Indonesia from 2020 to 2023. Employing a Fixed Effect panel data regression in EViews 12, the study draws upon a purposively sampled set of banks with complete financial disclosures during the period. Prior to estimation, Chow and Hausman tests determined the appropriate model, and diagnostic checks confirmed that residuals met normality, multicollinearity, and heteroscedasticity assumptions. Results reveal that both GCG (p = 0.0315) and CAR (p = 0.0260) positively and significantly affect ROA, whereas BOPO exerts a negative, significant impact (p = 0.0002). An Adjusted R² of 0.3484 suggests that these three variables account for 34.84% of ROA’s variability. Findings align with stakeholder, signaling, and efficiency theories in Islamic banking and corroborate earlier empirical work. Practically, the study underscores the importance of robust governance, adequate capitalization, and cost control to bolster bank profitability. Future research may incorporate macroeconomic indicators or adopt dynamic panel techniques to deepen insights into financial performance drivers.

The Effect Of Product Innovation And Service Quality On Customer Satisfaction: A Study On Indonesian Sharia Banks

Jumatul Aolia, Putri Aulia, Rosmiati, Herdi Gilang Ananta, Ahadiah Agustina — Sat, 02 Aug 2025 00:00:00 +0700

This study aims to analyze the effect of product innovation and service quality on customer satisfaction at Islamic banks in Indonesia. The main issue in this study relates to the importance of developing relevant service and product strategies in increasing customer satisfaction and loyalty in the increasingly competitive Islamic banking sector. The approach used is quantitative with descriptive design. Primary data were collected through the distribution of Likert scale questionnaires to 100 randomly selected respondents. The independent variables consist of product innovation (X?) and service quality (X?), while the dependent variable is customer satisfaction (Y). The analysis technique used is multiple linear regression with the help of SPSS software version 22. The results showed that both product innovation and service quality have a significant influence on customer satisfaction, both partially and simultaneously. Simultaneously, the two variables explain 74.7% of the variation in customer satisfaction. The findings confirm the importance of product renewal and service quality improvement as key strategies in strengthening the position of Islamic banks in Indonesia.