Journal Islamic Banking

Analisis Perkembangan Produk dan Layanan Bank Syariah Di Pakistan

Tri Wina Sabrina — 2025-12-29

Islamic banking in Pakistan has unique characteristics compared to other Muslim countries, as from its early development it was directed toward the Islamization of the entire national banking system. This study aims to analyze the development of Islamic banking products and services in Pakistan as well as the dynamics accompanying it. The research method employed is a descriptive qualitative approach through a literature review, utilizing secondary data obtained from books, scholarly articles, and relevant reports. The results indicate that Islamic banking in Pakistan has experienced significant growth, as reflected in the diversification of financing products such as murabahah, mudarabah, musharakah, and ijarah, as well as savings and investment services and Islamic financial instruments such as sukuk. In addition to functioning as commercial financial institutions, Islamic banks in Pakistan also perform a social role through the management of zakat, waqf, and Islamic social funds. Regulatory support from the State Bank of Pakistan has further contributed to the growth of this sector. Nevertheless, this development continues to face challenges, including limited Islamic financial literacy, the need for product innovation, and competition with conventional banks. This study is expected to contribute to the enrichment of academic literature on Islamic banking and to serve as a reference for the sustainable development of the Islamic banking industry in Pakistan.

Diversification of Financing Portfolio Through Gold Installment Products at PT BPRS Lantabur Tebuireng

Lailatul Maghfiroh Putri Rifardi — 2025-12-29

This study examines portfolio diversification through gold installment products at PT BPRS Lantabur Tebuireng as a strategy for mitigating Non-Performing Financing (NPF) risk. Gold installment products use murabahah contracts, which allow customers to gradually acquire gold through a fixed installment system. The purpose of this study is to analyze the implementation of gold installment products as a financing diversification instrument and identify their role in mitigating NPF risk at PT BPRS Lantabur Tebuireng. The research method used a descriptive qualitative approach with data collection techniques through interviews, observation, and documentation studies. The results show that the gold installment product contributes significantly to NPF risk mitigation through collateral in the form of gold, which has stable value and high liquidity. Portfolio diversification through this product reduces the risk of financing concentration, which was previously dominated by conventional murabahah financing in the consumptive and productive sectors. The implementation of murabahah contracts in gold installment products is in accordance with sharia principles based on the DSN-MUI fatwa with price transparency and margin certainty. The study recommends optimizing gold installment products as a risk management strategy, strengthening the financing monitoring system, and developing similar products to strengthen the resilience of BPRS financing portfolios.

Investasi Emas sebagai Instrumen Lindung Nilai Syariah di Tengah Ketidakstabilan Ekonomi: Studi Kasus pada Pengguna Aplikasi TRING

Diana Purnamasari — 2025-12-29

This study aims to understand the experiences of TRING app users in investing in gold as a sharia-compliant hedging instrument amid economic instability. The study uses a qualitative approach that allows researchers to explore the meanings, motivations, and perceptions behind digital gold investment decisions. Data was collected through in-depth interviews with users of various age groups and analyzed by identifying indicators that emerged during the interview process.The results show that gold is viewed as a stable, safe asset that complies with sharia principles, making it the primary choice for preserving wealth. The TRING application is perceived as providing easy access, fast transactions, and features that make it easy for novice investors to invest in gold without having to purchase physical gold. Trust and security proved to be the dominant factors influencing user loyalty, including guarantees of gold authenticity, price transparency, data protection, and compliance with sharia principles. In addition, digital gold investment provides psychological peace of mind for users, especially when facing unstable economic conditions.

Tabungan Easy Wadi’ah Menjadi Primadona di BSI KCP. Kampung Pajak

Rica Rahim Lubis — 2025-12-29

This study aims to analyze why the Easy Wadi’ah Savings product has become the leading choice at PT. Bank Syariah Indonesia Tbk Kampung Pajak Branch Office. This product is based on the wadi’ah yad dhamanah contract, which is free from riba elements and adheres to Islamic financial principles. The research employed a descriptive qualitative approach through direct observation, interviews, and documentation during the internship period. The findings reveal that this savings product is highly favored by the public due to its ease of transactions, zero administrative fees, and accessibility via the BSI Mobile application. Other contributing factors include friendly customer service, product socialization via webinars, and increasing public awareness of Islamic financial services. These findings highlight the importance of innovation based on Islamic values in strengthening the competitiveness of Islamic banking products in the modern era.

Analisis Kinerja Keuangan Bank Syariah Indonesia dengan Menggunakan Metode Eagles (Earning Ability, Asset Quality, Growth, Liquidity, Equity, dan Strategic Management) Periode 2021-2023

Ni’matul Khoiriyah — 2025-12-29

Financial performance is a form of description of the financial condition of a bank or company that is analyzed using the financial performance analysis method to find out how bad a bank's financial condition is in a certain period. This study uses the EAGLES method in researching the financial performance of Bank Syariah Indonesia in 2021-2023 based on quarterly reports to measure bank performance that is more precise, consistent and objective. Based on the background of the problem, this research is expected to provide an answer to the formulation of the problem How is the analysis of Bank Syariah Indonesia's financial performance based on quarterly reports reviewed from the aspects of Earning Ability, Asset Quality, Growth Rate, Liquidity, Equity and Strategic Management for the 2021-2023 period? Based on this formulation, this study aims to find out how the analysis of Bank Syariah Indonesia's financial performance based on quarterly reports is reviewed from the aspects of Earning Ability, Asset Quality, Growth Rate, Liquidity, Equity and Strategic Management for the 20212023 period. This study uses a descriptive quantitative method. The data is analyzed in the form of financial statements with the type of quarterly report taken through the official website or website of Bank Syariah Indonesia. From the results of the study, it can be concluded that the financial performance of Bank Syariah Indonesia using the EAGLES method for the 2021-2023 period based on quarterly reports can be categorized as good. The results of this study are expected to be used as a basis for further research on similar fields of study in the scope of research.