scholarly journals ANALISA MANFAAT PEMBIAYAAN GADAI EMAS SYARIAH: STUDI KASUS BANK SYARIAH MANDIRI-TOMANG RAYA

2021 ◽  
Vol 8 (1) ◽  
pp. 15
Author(s):  
Natasha Putri Bahari ◽  
Lucky Nugroho ◽  
Ahmad Badawi ◽  
Nurul Hidayah
Keyword(s):  
Primary Data ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Customer Education ◽  
Qualitative Descriptive ◽  
Research Questions ◽  
Conventional Banks ◽  
Age Range ◽  
Descriptive Method ◽  
Research Show

One of the superior products that distinguish between Islamic banks and conventional banks is Rahn or a pawn. However, these products are not owned by all Islamic banks. Furthermore, one of the sharia banks that have gold Rahn products or sharia gold pawn financing is Bank Syariah Mandiri (BSM), where BSM is also the largest Islamic bank with assets in Indonesia. This study aims to analyze the use of Islamic bank gold pawn financing for the community. The method used is a qualitative descriptive method with primary data. The sample used is customers of the BSM Tomang Raya Branch who have gold pawn financing facilities, amounting to 30 customers. The research questions are (i) What are the characteristics of the customers of sharia gold pawn financing;(ii) How is the use of Islamic gold pawn financing. The results of the research show that the majority of the age range of customers for sharia gold pawn financing is productive age (30-49 years), the majority of the sexes are women, the occupation of the majority of customers is private employees, the majority of customers› income is> IDR 5,000,000 per month. , the majority of customer education is S-1 and the religion of the majority of customers is Muslim. In addition, the use of borrowed money from sharia gold pawn financing is intended for consumer needs.

scholarly journals KIAI AND ISLAMIC BANK (The Typology of Kiai Based on Their Perception and Behaviour toward Islamic Bank)

1970 ◽  
Vol 5 (1) ◽  
pp. 1-8
Author(s):  
AM. M. Hafidz MS ◽  
Agus Fakhrina
Keyword(s):  
Sampling Technique ◽  
Phenomenological Approach ◽  
Primary Data ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Central Java ◽  
Conventional Banks ◽  
Important Position ◽  
Qualitative Phenomenological ◽  
And Behavior

This article aims to explain the perceptions and behavior of Moslem scholars (ulama/kiai) on the coast of Central Java toward Islamic banks. It is unassailable that finding out the kiai’s perception and behavior toward Islamic banks becomes unavoidable because the kiai occupies a very important position in the social structure as an agent of social change. In order to have an approriate understanding toward the perception and behavior, this study used qualitative-phenomenological approach. The main source of primary data were obtained from the kiai in Pekalongan region by using purposive sampling technique. Indepth-interview as the prominent method in gaining data was reinforced by observation method. To get validity of data, internal and external validity were performed. The former was taken through four stages, namely triangulation, emic process, member checking and prolonged time; and the latter through transferability. Data were analyzed inductively through three cronological steps, e.i. data reduction, display and conclusion drawing. Based on the perceptions and behavior of scholars toward Islamic banks, this study concludes that there are three categories of kiai. The first is an idealist compromise (kompromis-idealis) which argues that Islamic banks do not fully comply with sharia compliance yet, the use of Islamic banks is compulsory and conventional banks are not substitutes for Islamic banks. The second is a realistic compromise (kompromis realistis) which infers that Islamic banks are not fully accordance with sharia commpliance, the use of Islamic banks is not mandatory, but conventional banks are not substitutes for Islamic banks. The third is resistance (resisten) which argues that Islamic banks are not much different from conventional banks, so making use of Islamic bank is not obligation, and conventional banks substitute Islamic banks.

scholarly journals Does the Principle of Running a Business in Conventional Vs Sharia Become Differentiator? Study on Banking Industry in Indonesia 2009 - 2014

2016 ◽  
Vol 8 (2) ◽  
pp. 116
Author(s):  
Ahmad Adriansyah ◽  
Fathoni Zoebaedi ◽  
Ramzi A. Zuhdi
Keyword(s):  
Early Development ◽  
Banking Industry ◽  
Development Stage ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Significant Difference ◽  
Research Questions ◽  
Conventional Banks ◽  
Conventional Bank

Comparing to conventional bank, Islamic banking industry in Indonesia relatively still in the early development stage. Islamic bank is different with conventional bank, and therefore there is a special regulation for Islamic bank. Research conducted in 22 countries (including Indonesia), shows that Islamic banking and has differences with conventional banking in term of business orientation, efficiency, asset kuality and stability. But other research 13 countries (not including Indonesia), show that Islamic banking’s performance is lower than conventional banking (Ariss, 2010). Islamic banking in Indonesia has a unique characteristic. Most of Islamic banking in Indonesia is converted from conventional bank, owned by conventional bank or originated from a conventional bank. Some resource of Islamic bank comes from conventional banking even some of them still using resource from their conventional bank as their parent. This result raises a question, whether in the context of Islamic banking in Indonesia, its performance is significantly different from conventional banks. To answer the research questions above, we do a t-test on ROA and ROE Islamic banks and conventional banks from 2009-2014. The results showed that there was no significant difference between the financial performances of Islamic banks with conventional banks, except for 2014. In 2014 Islamic bank’s ROE is lower than conventional banks. This research opens the opportunity to study the factors that could cause a difference in the performance of Islamic banks vs conventional banks.

scholarly journals Peran Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia (LAPSPI) dalam Penyelesaian Sengketa Pembiayaan di Bank Syariah

2021 ◽  
Vol 4 (1) ◽  
pp. 14
Author(s):  
Tengku Rahmah Ramadhani ◽  
Andri Brawijaya ◽  
Imam Abdul Aziz
Keyword(s):  
Dispute Resolution ◽  
Dispute Settlement ◽  
Secondary Data ◽  
Primary Data ◽  
Executive Power ◽  
Islamic Banks ◽  
Peace Agreement ◽  
Qualitative Descriptive ◽  
Descriptive Method

<em>The purpose of this study was to determine the Role of the Indonesian Banking Dispute Resolution Alternative Institution (LAPSPI) in Financing Dispute Resolution at Islamic Banks and the dispute settlement process at LAPSPI. The method used is a qualitative descriptive method using content analysis. The data sources used are primary data and secondary data. Based on the results of research related to the role of the Indonesian Banking Dispute Resolution Alternative Institution (LAPSPI), it cannot be used as the main choice in assisting the settlement of problematic financing disputes because it does not have executive power and the decision is a peace agreement. The settlement process at LAPSPI is divided into 3 (three), namely mediation, adjudication and arbitration</em>

scholarly journals An Investigation of the Performance of Islamic and Interest Based Banking Evidence from Pakistan

2018 ◽  
Vol 9 (1) ◽  
pp. 81-112 ◽  
Author(s):  
Tauseef Khan ◽  
Waqar Ahmad ◽  
Muhammad Khalil Ur Rahman ◽  
Fazal Haleem
Keyword(s):  
Financial Performance ◽  
Banking Sector ◽  
Secondary Data ◽  
Primary Data ◽  
Islamic Banks ◽  
Risk Capital ◽  
Secondary Sources ◽  
Islamic Bank ◽  
Significant Difference ◽  
Conventional Banks

Abstract The main difference between Islamic and conventional banking is that Islamic banking works on profit and loss while conventional banking work is interest based. The aim of this research study is to measure and compare the financial performance of Islamic and conventional banking in Pakistan during 2006 to 2015. This study is to examine and to evaluate the performance of 5 Islamic banks (Meezan Islamic Bank, Bank Islami Limited, Al Baraka Islamic Bank, Dubai Islamic Bank Limited and Burj Bank Limited) and 5 conventional banks (Muslim Commercial Bank Limited, United Bank Limited, Askari Bank Limited, Allied Bank Limited, Habib Bank Limited) in terms of profitability, liquidity, risk, capital and efficiency. We used quantitative and qualitative data for comparison of Islamic and conventional banks. Collection of data consists on both primary as well as secondary sources. Primary data has been gathered from interviews and Secondary data has been gathered from the balance sheets and income statements of the sampled banks for the period of 2006 to 2015.Financial ratios such as profitability ratios, liquidity ratios, solvency ratios, capital ratios and efficiency ratios are used for measure of the financial performance of both banking sector. The results indicate that Islamic banks are less profitable, more liquid, less risky and less efficient. There is no significant difference in terms of capital between Islamic and conventional banks.

KINERJA PROSES PELELANGAN IKAN DI PASAR ARUMBAI KOTA AMBON

2017 ◽  
Vol 1 (2) ◽  
pp. 58-66
Author(s):  
Frendly Matulessy ◽  
Dionisius Bawole
Keyword(s):  
Performance Analysis ◽  
Gap Analysis ◽  
Primary Data ◽  
Satisfaction Level ◽  
Questionnaire Data ◽  
Analysis Method ◽  
Value For Money ◽  
Qualitative Descriptive ◽  
Market Needs ◽  
Descriptive Method

This study aims to measure the performance of fish auction process in Arumbai Market in Ambon. Primary data were collected from 43 respondents through observation and direct interview based on questionnaire. Data was analysed by qualitative descriptive method, importance performance analysis method (IPA) and gap analysis, and value for money method. The results show that: 1). There are three auction process activities namely pre auction, auction, and post auction; 2). Fisherman's satisfaction level is 67% and merchant satisfaction is 81%; and 3). The auction performance of the economic aspect is less economical, with the final value of 83%, while the fish auction performance from the efficiency aspect is less efficient with the value of 76%. For that, it needs additional officers to manage fish auction place (TPI) in Arumbai Market. In addition, the fish auction facilities (TPI) in Arumbai Market needs to be improved.

Is Islamic bank profitability driven by same forces as conventional banks?

2016 ◽  
Vol 9 (1) ◽  
pp. 46-66 ◽  
Author(s):  
Hajer Zarrouk ◽  
Khoutem Ben Jedidia ◽  
Mouna Moualhi
Keyword(s):  
Dynamic Panel Data ◽  
Islamic Banking ◽  
Subprime Crisis ◽  
Islamic Banks ◽  
Mena Region ◽  
Bank Profitability ◽  
Content Type ◽  
Large Sample ◽  
Islamic Bank ◽  
Conventional Banks

Purpose The purpose of this paper is to ascertain whether Islamic bank profitability is driven by same forces as those driving conventional banking in the Middle East and North Africa (MENA) region. Distinguished by its principles in conformity with sharia, Islamic banking is different from conventional banking, which is likely to affect profitability. Design/methodology/approach The paper builds on a dynamic panel data model to identify the banks’ specific determinants and the macroeconomic factors influencing the profitability of a large sample of 51 Islamic banks operating in the MENA region from 1994 to 2012. The system-generalized method of moment estimators are applied. Findings The findings reveal that profitability is positively affected by banks’ cost-effectiveness, asset quality and level of capitalization. The results also indicate that non-financing activities allow Islamic banks to earn higher profits. Islamic banks perform better in environments where the gross domestic product and investment are high. There is evidence of several elements of similarities between determinants of the profitability for Islamic and conventional banks. The inflation rate, however, is negatively associated with Islamic bank profitability. Practical Implications The authors conclude that profitability determinants did not differ significantly between Islamic and conventional banks. Many factors are deemed the same in explaining the profitability of conventional as well as Islamic banks. The findings reported in the current paper might be of interest for policy makers. It is recommended to better implement non-financing activities to improve Islamic bank profitability. Originality/value Unlike the previous empirical research, this empirical investigation assesses the issue whether Islamic banks profitability is influenced by same factors as conventional model. It enriches the literature in this regard by considering the specificities of Islamic banking to identify the determinants of profitability. Moreover, this study considers a large sample (51 Islamic banks) through a different selection of countries/banks than previous studies. In addition, the period of study considers the subprime crisis insofar it ranges from 1994 to 2012. Hence, this broader study allows the authors to draw more consistent conclusions.

Integration of Islamic bank specific risks and their impact on the portfolios of Islamic Banks

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Syed Alamdar Ali Shah ◽  
Raditya Sukmana ◽  
Bayu Arie Fianto
Keyword(s):  
Risk Management ◽  
Portfolio Diversification ◽  
Islamic Banks ◽  
Content Type ◽  
Management Framework ◽  
Risk Return ◽  
Islamic Bank ◽  
Risk Management Framework ◽  
Impact Risk ◽  
Conventional Banks

Purpose This study aims to propose a risk management framework for Islamic banks to address specific risks that are unique to Islamic bank settings. Design/methodology/approach A unique methodology has been developed first by exploring the dynamics and behaviors of various risks unique to Islamic banks. Second, it integrates them through a series of diagrams that show how they behave, integrate and impact risk, returns and portfolios. Findings This study proposes a unique risk-return relationship framework encompassing specific risks faced by Islamic banks under the ambit of portfolio theory showing how Islamic banks establish a steeper risk-return path under Shariah compliance. By doing so, this study identifies a unique “Islamic risk-return” nexus in Islamic settings as an explanation for the concern of contemporary researchers that Islamic banks are more risky than conventional banks. Originality/value The originality of this study is that it extends the scope of risk management in Islamic banks from individual contract-based to an integrated whole, identifying a unique transmission path of how risks affect portfolio diversification in Islamic banks.

scholarly journals Customer Perception Regarding Car Loans in Islamic and Conventional Banking

2012 ◽  
Vol 2 (6) ◽  
pp. 174
Author(s):  
M. Taimoor Hassan ◽  
Mehtab Ahmed ◽  
Muhammad Imran ◽  
Azhar Naeem ◽  
Mudassir Waheed ◽  
...  
Keyword(s):  
Key Words ◽  
Statistical Technique ◽  
Primary Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Chi Square ◽  
Customer Perception ◽  
Conventional Banks ◽  
Corporate Customers

Purpose: To see the customer perception regarding car loans in Islamic and conventional banking. Methodologies: This study is based on primary data. These followed by only Bahawalpur corporate customers are taken as the sample research. Firstly the persons have been identified of the selected banks that are the financial affairs of those banks. When these people show their willingness then questionnaire has been filled by them and the required data has been collected. The statistical technique chi-square had been adapted for analysis the data. Findings: Total 120 questionnaires have been distributed among different banks and out of which 104 were get completed and returned. Peoples prefer conventional banks for car loans as compared to Islamic banks.   Key Words: Islamic Banking, Corporate Customer, Car Financing.

scholarly journals THE IDENTIFICATION OF OCCURRENCE AND COMPOSITION OF HAZARDOUS MEDICAL WASTE AT DEPOK CITY PUBLIC HEALTH CENTER

2020 ◽  
Vol 8 (1) ◽  
pp. 440-447
Author(s):  
Sirin Fairus ◽  
Siti Rohajawati ◽  
Prismita Nursetyowati ◽  
Diki Surya Irawan ◽  
Deffi Ayu Puspito Sari
Keyword(s):  
Public Health ◽  
Health Center ◽  
Hazardous Waste ◽  
Metal Content ◽  
Medical Waste ◽  
Primary Data ◽  
Number Of Patients ◽  
Qualitative Descriptive ◽  
The Republic ◽  
Descriptive Method

Purpose of the study: Hazardous solid medical waste, contains infectious, pathologic, sharp objects, pharmaceuticals, cytotoxic, chemical, radioactive, pressurized containers, and has a high heavy metal content and endangering the community. The Minister of Environment and Forestry of the Republic of Indonesia No.56 of 2015 regulates hazardous waste, but the study of the implementation and compliance with the regulation are still limited. Methodology: Qualitative descriptive method is carried out to describe and explain the condition of variables contained in the object of research. Main Findings: In general, the health center in Depok has carried out sorting consisting of sharp medical waste and non-sharp and reduced hazardous waste. The composition of non-sharp hazardous medical waste ranges from 55% to 96%. Applications of this study: Primary data collection was carried out in 11 Health Center in 11 sub-districts of Depok City. Novelty/Originality of this study: The number of sub-district residents does not always determine the average number of patients coming from the health center which ranges from 100-300 patients. With the average number of patients coming in at 300 people/day, Cipayung health center produced 1,821 grams/day, in contrast to Pancoran Mas and Sukmajaya which produced 2,398 and 3,357.

scholarly journals Unsur Hijau pada Ruang Publik dan Sisa Halaman Rumah Kampung Cibunut RW 07 RT 05 Kota Bandung

2020 ◽  
Vol 1 (3) ◽  
Author(s):  
Irfan Sabarilah Hasim
Keyword(s):  
Visual Quality ◽  
Urban Environments ◽  
Primary Data ◽  
Plant Canopy ◽  
Residential Areas ◽  
Open Land ◽  
Qualitative Descriptive ◽  
Health Support ◽  
The City ◽  
Descriptive Method

AbstrakTanaman sangat penting untuk menunjang kehidupan sebagai penunjang kesehatan, pengendali iklim mikro, menyerap polusi bahkan berguna meningkatkan kualitas visual. Kehadiran tanaman di lingkungan perkotaan semakin sulit, mengingat lahan-lahan perkotaan semakin sempit terutama di lingkungan permukiman kota yang umumnya padat dan menyisakan sedikit ruang untuk tanaman. Berbeda dengan permukiman-permukiman padat pada umumnya, Kampung Cibunut RW 07 khususnya RT 05 Kota Bandung terlihat lebih asri, banyak sekali tanaman di lingkungan ini, meskipun lahan terbuka sedikit, gang juga tidak terlalu besar dan teras-teras rumah sangat terbatas. Melihat perkembangan yang sangat baik di Kampung Cibunut, maka penelitian ini layak untuk dilakukan dengan tujuan untuk mengidentifikasi jumlah dan jenis tanaman, serta cara dan metoda penanaman di ruang sempit dan mengetahui luas diameter tajuk tanaman. Digunakan metoda deskriptif kualitatif, data dikumpulkan melalui survey dan studi pustaka. Data primer diperoleh melalui observasi lapangan, pengukuran dan pencatatan langsung di lapangan. Setiap tanaman diberi nomor, dan dicatat kemudian seluruh data akan dimasukan ke dalam matrik untuk memudahkan perhitungan. Pembahasan dilakukan untuk mendapatkan ragam jenis tanaman, sistem dan cara penanaman, dan luas total tajuk tanaman. Diharapkan hasil dari penelitian ini dapat ditiru dan diterapkan di permukiman padat sejenis di kota Bandung agar dapat meningkatkan keasrian kawasan dan penyerapan polusi.Kata kunci : Tanaman, Unsur Hijau, Lahan sempit, permukiman padat. AbstraCTPlants are very important to support life as health support, control the microclimate, absorb pollution, and even improve visual quality. The presence of plants in urban environments is increasingly difficult, given that urban lands are increasingly narrow, especially in urban residential areas which are generally dense and leave little room for plants. Unlike the dense settlements in general, Kampung Cibunut RW 07, especially RT 05 Kota Bandung, looks more beautiful, there are lots of plants in this environment, although there is little open land, the alleys are not too big and the terraces of the houses are very limited. Seeing the excellent development in Cibunut Village, this research is feasible to do the aim of identifying the number and types of plants, as well as methods and methods of planting in narrow spaces and knowing the diameter of the plant canopy. Qualitative descriptive method is used, data is collected through surveys and literature studies. Primary data obtained through field observations, measurements, and direct notes in the field. Each plant is numbered, recorded and then all data will be entered into a matrix to facilitate calculation. Discussions were conducted to obtain various types of plants, planting systems and methods, and the total area of the plant canopy. It is hoped that the results of this research can be replicated and applied in similar dense settlements in the city of Bandung to increase the beauty of the area and the absorption of pollution. Keywords: Plants, Green Element, Narrow land, dense settlement.

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