scholarly journals Strengthening Integrated Inclusive System, Creates The Inclusive Islamic Banking Industry In Indonesia

2021 ◽  
Vol 1 (1) ◽  
pp. 7-11
Author(s):  
Ari Setiawan ◽  
Fachri Azizy Izzaturrohim ◽  
Herman Palani
Keyword(s):  
Banking Sector ◽  
Service Providers ◽  
Integrated System ◽  
Islamic Banking ◽  
Muslim Population ◽  
The Past ◽  
Inclusive System ◽  
Banking Institutions ◽  
Corporate Social ◽  
Global World

Economic growth in Indonesia has averaged about 6% since 2008. Shariah- compliant financial service providers currently account for only 4.5% of total banking sector assets. Between 2008 and 2012, Islamic bank assets tripled, increasing by an average of 31.5% annually. Strong growth in the past five years was helped by the Shairah Banking Law introduced in July 2008. Since then, the number of Islamic banking outlets has increased from 241 to 517, comprising 11 fully Shariah-compliant banks, 24 Islamic banking units and 158 Shariah-compliant rural banks. Islamic bank’s network has spread with the number offices rising at a rate of 27% year-on-year. Community Service Responsibility (CSR), banking institutions should have to take part in social activities, integrated with the society, and "be part of non-Muslims". Blending in the sense of helping or supporting their programs that are good and useful, such as being a sponsorship or held a charity eventAs a country with largest Muslim population in the world, Indonesia is considered by global world, multiculturalism in Indonesia makes Islamic banking should be inclus ive. Inclusive Integrated System is one way to eliminate exclusivity Islamic banking which still there, the improvement in terms of branding, Corporate Social Responsibility (CSR), socialization, services, and product innovation

Corporate Social Responsbility (CSR) dan Islamic Banking - Service Quality (IB-SQ) Sebagai Upaya Penguatan Brand Image di Lembaga Perbankan Syariah

WADIAH ◽  
2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Ahmad Suminto ◽  
Nur Kasanah
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Service Quality ◽  
Banking Sector ◽  
Brand Image ◽  
Positive Impact ◽  
Islamic Banking ◽  
Banking Service ◽  
Banking Institutions ◽  
Corporate Social

This library research method with a descriptive-analytic qualitative approach, aims to explain the urgency of Corporate Social Responsibility (CSR) and Islamic Banking - Service Quality (IB-SQ) as Efforts to Strengthen Brand Image in Islamic Banking Institutions. The results indicate that, the implementation of Corporate Social Responsibility (CSR) in Islamic banking institutions is a long-term investment, because the implementation of the Corporate Social Responsibility (CSR) program will have a positive impact not only on banking operations, but on the continuity of existence in future. Second, IB-SQ (Islamic Banking Service Quality) is the quality of service for Islamic banking in Indonesia which combines the term IB (Islamic Bank) with the term BSQ (Bank Service Quality) to identify service quality for the banking sector, so that the term IB-SQ is used for reflect the service quality and brand image for Islamic banking in Indonesia. Keywords: Corporate Social Responsbility, Islamic Banking-Service Quality, Sharia Banking 

Islamic Financial Inclusion

2020 ◽  
pp. 155-173
Author(s):  
S. M. Sohrab Uddin ◽  
Mohammad Zoynul Abedin ◽  
Nahid Afroz
Keyword(s):  
Banking Sector ◽  
Financial Inclusion ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Policy Makers ◽  
Muslim Population ◽  
Muslim Countries ◽  
The World ◽  
Global Concern ◽  
Empirical Contribution

Financial Inclusion (FI), a global concern of this decade, has been accepted by development agencies, governments, and policymakers as one of the pre-eminent ways to eradicate worldwide poverty and income inequality. Consequently, authorities are looking for possible ways to include the unbanked in formal financial chain. Islamic finance, specifically Islamic banking, with its welfare-oriented principles and unique products, has been able to capture the attention of policy makers. Moreover, a major portion of the Muslim population still exclude themselves from the formal financial chain due to religious prohibition of interest-based transactions for whom Islamic finance is the only way to inclusion. Bangladesh, one of the major Muslim countries in the world, is still to bring one-fourth of its total population under formal financial chain. At this backdrop, this chapter examines the empirical contribution of Islamic banking sector in financial inclusion condition as well as development scenario of Bangladesh.

scholarly journals Strategi Penyelamatan Pembiayaan Bermasalah Pada Pembiayaan Murabahah Bank BNI Syariah Cabang Bogor

2019 ◽  
Vol 1 (1) ◽  
pp. 65
Author(s):  
Ari Zulfikri ◽  
Ahmad Sobari ◽  
Syarifah Gustiawati
Keyword(s):  
Banking Sector ◽  
Islamic Banking ◽  
Exit Strategy ◽  
Value Set ◽  
Banking Institutions ◽  
Almost All

In Islamic banking institutions, the term problem financing is not something foreign is heard. Almost all conventional and sharia banking institutions experience this, because not a few banking institutions are hampered by their growth and even have to stop their operations because they cannot overcome this problem. The Islamic banking sector is led to have a strategy in dealing with problem financing. Referring to the Bogor Branch of NPF Bank BNI Syariah data in 2016 (3.42%), 2017 (2.78%), 2018 (1.58), it is known that the NPF value at the Bogor Branch of BNI Syariah has decreased (considered good) , because it is still below the maximum standard NPF value set by Bank Indonesia (5%). Financing at the Bank BNI Syariah Bogor Branch continues to increase every year and the financing that is dominated is Murabahah financing. To achieve a good NPF value, the Bank BNI Syariah Bogor Branch uses a strategy to overcome problem financing, namely stay strategy and exit strategy. However, for the stage of saving the problematic financing the strategy used is to stay a strategy through financing restructuring efforts.

scholarly journals PERLINDUNGAN HUKUM NASABAH BANK DALAM HAL PEMBERIAN INFORMASI NASABAH KEPADA PIHAK FINTECH LENDING BERDASARKAN PRINSIP KERAHASIAAN

Esensi Hukum ◽  
2021 ◽  
Vol 3 (1) ◽  
pp. 41-54
Author(s):  
Galih Raka S Galih Raka Siwi
Keyword(s):  
Banking Sector ◽  
Service Providers ◽  
Financial Institution ◽  
Financial Service ◽  
Financial Data ◽  
Public Funds ◽  
Financial Service Provider ◽  
Bank Secrecy ◽  
Banking Institutions

Bank is a financial institution that collects funds and distributes public funds, in accordance with Article 3 of the Banking Law. Banking institutions have a very important role, especially in moving the economy of a country. The role of banking cannot be separated from the enactment of Law Number 10 of 1998 concerning Banking. In carrying out its functions and duties, banking cannot be separated from customers, be they depositors or borrowing customers. In carrying out its functions, the Bank is bound by several principles, one of which is the principle of confidentiality. The principle of bank secrecy is regulated in Article 4- to Article 47A of the Banking Law. The principle of confidentiality is very important to be maintained by the bank as a financial service provider, this is related to public trust in the banking sector itself. Banks are prohibited from opening data from customers without permission from the BI leadership or if the law says otherwise. Banks are prohibited from disclosing secrets related to financial data or loans from customers to third parties, in this case the fintech lending party. Banks as service providers will certainly comply with the Consumer Protection Law. The purpose of this paper is to identify and understand the principles of banking confidentiality. The method used in this paper is normative juridical, by examining primary and secondary legal materials, especially in terms of legislation.

scholarly journals DIMINISHING MUSHARAKAHIN ISLAMIC BANKS: AN ANALYSIS BASED ON HOME FINANCING

2021 ◽  
Vol 04 (01) ◽  
Author(s):  
Muhammad Junaid Ali Khan ◽  
Abdul Majid
Keyword(s):  
Banking Sector ◽  
Modern World ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Significant Growth ◽  
Banking Systems ◽  
Widespread Acceptance ◽  
Banking Institutions ◽  
The Common

Islamic Banking is one of the fastest growing banking systems in the modern world. It has also achieved significant growth in the Pakistani banking sector in the recent decades. Diminishing Musharakah (DM) is an Islamic mode of finance which not only provides home financing facilities to the customers but also provides other long term financing transaction such as machinery and equipment financing in Islamic banks. In September 2020, DM has the largest share in the Islamic banking financing in Pakistan at 34.5 percent. Considering the widespread acceptance of DM, this paper discusses the shariah structure of DM and its use as a home finance product, specifically its variants, in Islamic Banking Institutions. This paper also clarifies the issues which create confusions in the minds of the common public about Islamic banking products, emphasizing the importance of this product for Islamic Banking Institutions

Corporate Social Responsibility

2020 ◽  
pp. 65-78
Author(s):  
George Kofi Amoako ◽  
Kwasi Dartey-Baah
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Competitive Advantage ◽  
Banking Sector ◽  
Business Success ◽  
Active Involvement ◽  
Banking Institutions ◽  
Brand Perception ◽  
National Headquarters ◽  
Corporate Social

This chapter examines the extent to which corporate social responsibility (CSR) could generate and boost better brand perceptions and improve competitive advantage within some selected banks in Ghana. The concept of CSR, brand perception, and competitive advantage are discussed in relation to findings from a study that was conducted at the national headquarters of GCB Bank and Barclays Bank Limited in Accra. The results showed a good understanding of the concept of CSR from both customers and employees of both banks. There was a significant and positive connection between effective implementation of CSR initiatives, brand perception, and competitive advantage. CSR was discovered as a tool for business success in the banking sector in Ghana. This chapter explains the benefits of CSR activities to the development of impalpable organizational assets, and as a result, generating better results for banking institutions in Ghana. The authors make a case for the inclusion and active involvement of customers and employees in the CSR initiatives of banks in order to boost brand perception.

scholarly journals Customer Satisfactions on Islamic Banking Services in Almadinah City, Saudi Arabia

2019 ◽  
pp. 1-8 ◽  
Author(s):  
Wesal M. Aldarabseh
Keyword(s):  
Saudi Arabia ◽  
Customer Satisfaction ◽  
Banking Sector ◽  
Islamic Law ◽  
Banking Industry ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Banking Services ◽  
The Past ◽  
Self Administered Questionnaire

Providing quality services is a key element to compete in the banking industry. Islamic banks showed significant expansion in the past decades worldwide.  In the current study, customer satisfaction towards services provided by Islamic banks in Almadinah city, Saudi Arabia was investigated. A total of 292 customers of full-fledged Islamic banks were recruited in the study. Customer satisfaction was measured using a self-administered questionnaire. The results showed acceptable levels of customer satisfaction toward Islamic banking services (85%). In addition, personnel, image, reliability, and compliance with Islamic law were the most important service dimensions that affect customer satisfaction. Finally, gender differences were noticed with respect to customer satisfaction with females seemed to be less satisfied than males. The present findings provide positive feedback to the Islamic banking sector in Almadinah city to improve customer satisfaction of their services.

scholarly journals PEMANFAATAN DANA CORPORATE SOCIAL RESPONSIBILITY BANK SYARIAH MANDIRI CABANG KENDARI

2018 ◽  
Vol 13 (1) ◽  
pp. 103
Author(s):  
Muhamad Turmudi
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Monitoring And Evaluation ◽  
Islamic Banking ◽  
Social Programs ◽  
Assistance Program ◽  
Banking Institutions ◽  
Scholarship Program ◽  
Corporate Social ◽  
Corporate Profits

This study examines a Corporate Social Responsibility Program of Syariah Banking so as to provide an understanding of the existence, implementation and source of funds of social programs developed through the utilization of corporate social responsibility funds in Islamic banking institutions especially at Bank Syariah Mandiri Branch of Kendari. This study is limited to the management and utilization of corporate social responsibility funds in 2017. The existence of corporate social responsibility program undertaken by Bank Syariah Mandiri Branch of Kendari in 2017 was under the theme of BSM Mengalirkan Berkah. The implementation of this program conducted until October 2017 were  (1) mosque development activities with the Rp. 200 million as the funding with such details as 2% for Program Preparation, for direct assistance mosque taking up to 60%, for other assistance up to 30%, for Assistance program as much as 6%, and for monitoring and evaluation up to 2%. (2) Donations for mosques that are used as the place of doing a lot of dawn worship programs (3) Provision of clean water (4) Scholarship program for students. Furtherore, the funding of Corporate social responsibility programs which is channeled to the community comes from zakah funds, corporate profits and the fund of virtue (Qardh al-hasan).

scholarly journals Editorial

2018 ◽  
Vol 7 (1) ◽  
pp. 4-5
Author(s):  
Yaroslav Mozghovyi
Keyword(s):  
Risk Factors ◽  
Corporate Social Responsibility ◽  
Relationship Marketing ◽  
Banking Sector ◽  
Current Issue ◽  
Commercial Banking ◽  
Brand Extensions ◽  
Islamic Banking ◽  
Corporate Social ◽  
The Impact

The current issue of the Journal of Governance and Regulation pays attention to the problems of corporate bankruptcies, relationship marketing in banks, corporate social responsibility in SMEs, monetary operations and Islamic banking in the GCC, corporate brand extensions, the impact of risk factors on the financial performance of the commercial banking sector.

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