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 PENGARUH PRINSIP BAGI HASIL DAN BUNGA, DAN REPUTASI BANK TERHADAP KEPUTUSAN NASABAH DALAM MEMILIH JASA PERBANKAN: BANK SYARIAH DAN BANK KONVENSIONAL DI KOTA JAMBI

2019 ◽  
Vol 2 (2) ◽  
pp. 38-46
Author(s):  
Eka Julianti Efris Saputri
Keyword(s):  
Discriminant Analysis ◽  
Sample Selection ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Primary Data ◽  
Analysis Method ◽  
Banking Services ◽  
Islamic Bank ◽  
Conventional Banks ◽  
Conventional Bank

This study  was intended  to  examine the effect of  profit  sharing  principle and  interest,  and  bank reputation  against  customer  decision  in  choosing  banking  services,  that  is  between  islamic  bank  and conventional  bank in Jambi  City.  Data in this study  is primary data by using  questionnaire. The sample selection  in  this research  used  nonprobability sampling  technique  with  acidental  sampling technique. The sample obtained in this study were customer of islamic bank and customer of conventional bank in Jambi City. The  analysis  method  used  was  discriminant  analysis  using  IBM  SPSS  Statistic  22.  The  results  of  the discriminant analysis prove that in choosing banking services in Jambi City between islamic banks and conventional banks, customers do not see from the principle of profit sharing and interest, and bank reputation.

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 PENGARUH KECUKUPAN MODAL, RISIKO PEMBIAYAAN, EFISIENI OPERASIONAL DAN LIKUIDITAS TERHADAP PROFITABILITAS (Studi Pada Bank Syariah dan Bank Konvensional di Indonesia)

2017 ◽  
Vol 2 (2) ◽  
pp. 109-120
Author(s):  
Erma Setiawati ◽  
Dimas Ilham Nur Rois ◽  
Indah Nur Aini
Keyword(s):  
Descriptive Analysis ◽  
Sampling Technique ◽  
Operational Efficiency ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Common Trend ◽  
Financing Risk ◽  
Conventional Banks ◽  
Conventional Bank

AbstractThe competition between conventional and Islamic banks is quite strict, this becomes a common trend because the banks want to attract and maintain the relation with their costumer, each bank must try and work hard to show their optimal financial performances.This research aims to find out the effect of capital adequacy, financing risk, operational efficiency and liquidity on the profitability of Islamic banks and Conventional banks, as well as to analyze the differences effect of capital adequacy, financing risk, operational efficiency and liquidity on profitability in Islamic banks and conventional banks in Indonesia. Population in this research are all Islamic bank and a conventional bank that listed in Indonesian bank (Bank Indonesia) on 2011-2015. This research using purposive sampling technique, with the samples involving three Islamic bank and four conventional banks in Indonesia. The data is analyzed by multiple regression analysis and descriptive analysis. The result of this research shows that the capital adequacy and operational efficiency has a significant effect on the profitability of Islamic banks. The financing risk and liquidity have no significant effect on the profitability of Islamic banks. While the capital adequacy, operational efficiency, and liquidity have a significant effect on their profitability conventional banks, and the financing risk is not affected to conventional banks profitability. The result of this research also showed that there's a difference in the effect of capital adequacy, financing risk, operational efficiency and liquidity on profitability between Islamic banks and Conventional Bank. Keywords: capital adequacy, financing risk, operational efficiency, liquidity and profitability

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.

The Influence of Attitudes, Subjective, Norms, and Behavior Controls on Intention to Choose Islamic Banks With Islamic Religiosity as a Moderating Variable (Case Study at Bri Syariah Purwokerto Customers)

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Akhmad Khoyrun Najakh ◽  
Dwiwiyati Astogini ◽  
Sri Martini
Keyword(s):  
Behavioral Control ◽  
Sampling Technique ◽  
Subjective Norm ◽  
Subjective Norms ◽  
Islamic Banks ◽  
Control Behavior ◽  
Before And After ◽  
And Behavior ◽  
Number Of Customers

The purpose of this study was to analyze the influence of attitudes on the intention to choose Islamic banks, to analyze the effect of subjective norm on the intention to choose Islamic banks. to analyze the effect of the control behavior of the intention to choose the Islamic banks, to analyze the moderating influence of religiosity on the relationship attitudes, subjective norms and behavioral control of the intention to choose the Islamic banks . The method used is a survey with a sampling technique used purposive sampling with a sample size of this study was 100 respondents . Further analysis tools used in this study is multiple regression analysis using SPSS 16.0 software . Based on this study it can be concluded that the attitude does not affect to the intention of choose Bank BRISyariah. Subjective norm positive effect on intention choose Bank BRISyariah. Control behavior does not affect to the intention choose Bank BRISyariah. Relationship between Attitudes, Subjective Norms and Behavior Control with the intention to select Bank BRISyariah not moderated by religiosity.Based on these conclusions can be said that the Bank BRISyariah should improve understanding related to the subjective norm in order to increase the number of customers who use the services of Islamic Banking . Further research is recommended in order to follow up and develop this research to further explore the independent and dependent variables continued before and after behavioral intention or intention to perform a specific action .

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.

THE EFFECT OF THE SHARIA SUPERVISORY BOARD AND THE BOARD OF COMMISSIONERS ON THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANKS IN INDONESIA

2021 ◽  
Vol 3 (1) ◽  
pp. 60-73
Author(s):  
Ahmad Fauzul Hakim Hasibuan ◽  
Fuadi Fuadi ◽  
Angga Syahputra
Keyword(s):  
Data Analysis ◽  
Financial Performance ◽  
Commercial Banks ◽  
Supervisory Board ◽  
Secondary Data ◽  
Sampling Technique ◽  
Islamic Banks ◽  
Purposive Sampling ◽  
Islamic Bank

This study aims to determine the influence of the Sharia Supervisory Board and the Board of Commissioners on the Financial Performance of Islamic Banks in Indonesia. This study used secondary data from 12 banks.The sampling technique used is the purposive sampling technique. The method of data analysis used is multiple linear regression.The results partially show that the sharia supervisory board and board of commissioners positively and significantly influence the financial performance of Islamic banks in Indonesia. Simultaneously,the board of commissioners and the sharia supervisory board positively and significantly influence the financial performance of Islamic bank

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 ANALISIS FAKTOR PEMBENTUK BAURAN PEMASARAN PADA NASABAH BANK BNI SYARIAH CABANG PADANG

Jurnal Ecogen ◽  
2019 ◽  
Vol 1 (4) ◽  
pp. 925
Author(s):  
Aulia Agusatria ◽  
Abel Tasman
Keyword(s):  
Descriptive Analysis ◽  
Sampling Technique ◽  
Marketing Mix ◽  
Research Data ◽  
Primary Data ◽  
Islamic Banks ◽  
Validity And Reliability ◽  
Instrument Testing ◽  
Quantitative Descriptive ◽  
The City

This study aims to analyze the factors forming the marketing mix at BNI Syariah customers in Padang Branch. This type of research is quantitative descriptive. The population of this research is customers of Islamic banks in the city of Padang with a sample of 100 customers obtained using Slovin formula. The sampling technique is accidental sampling. Research data are primary data collected by questionnaire. Instrument testing uses validity and reliability tests. Data were analyzed by descriptive analysis and factor analysis. The results of the study showed that of the eight factors there were six factors that influence the form of the marketing mix for customers of the BNI Syariah branch of Padang Branch.Keyword: Marketing Mix

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