Ketegasan Regulasi Laporan Ketaatan Syarian dalam Optimalisasi Financial Technology Lembaga Keuangan Syariah

2017 ◽  
Vol 1 (3) ◽  
pp. 227
Author(s):  
Fahmi Firdaus ◽  
Agnes Febiola ◽  
Silvana Faiqoh
Keyword(s):  
Islamic Banks ◽  
Bottom Line ◽  
Negative Image ◽  
Digital Era ◽  
Conventional Banks ◽  
Enterprise Theory ◽  
Shari’A Compliance ◽  
Financial Technology

Financial Technology in the digital era becomes an opportunity as well as a challenge for Islamic banks as one of Sharia Financial Institutions. Financial Technology for the customers. However, the current role of sharia banks has not been able to shift the position of conventional banks that are more inclusive, Islamic banks that can not guarantee the true quality of sharia. Regulations on the Sharia Compliance Report are not clearly identified as significant differentiators from conventional bank practices. The Weakness of Regulation of Bank Indonesia Regulation Number 10/16 / PBI / 2008 Article 2 on the Implementation of Sharia Principles has not guaranteed the performance of the true Islamic banks. The Shari'a Compliance Report is a mirror of the Shariah Enterprise Theory which states that the purpose of accounting is to provide information covering the efforts of stakeholders in performing devotion to Allah SWT to work on the triple bottom line (profit, human, and planet) model, given financial technology and distrust to use the services of sharia banks due to the negative image of Islamic banks.

scholarly journals Standard Quality Banking Services of Islamic Banks

2018 ◽  
Vol 8 (1) ◽  
pp. 301
Author(s):  
Haneen A. Al-Khawaja ◽  
Barjoyai Bardai
Keyword(s):  
Islamic Law ◽  
Theoretical Aspect ◽  
Islamic Banking ◽  
Islamic Banks ◽  
High Confidence ◽  
Banking Services ◽  
Standard Quality ◽  
Definition Of

This research discusses in detail the theoretical aspect of the quality standards of banking services of traditional Islamic banks. The criterion of "Shari'ah Compliance" was added by the researcher to the importance and role of dealing with Islamic banks, the definition of this standard and its importance, how to test it for banks as well as how, without the legitimate commitment of these banks to what is classified as Islamic from the foundation, we focus on the importance of the existence of a legal commitment to any Islamic bank to achieve the quality of Islamic banking services of high quality in accordance with Islamic law and laws to achieve a high confidence in the customers who belong to him and deal with his Conspiracy.

scholarly journals PERANAN KOPERASI SEBAGAI BENTUK IMPLEMENTASI EKONOMI PANCASILA DI ERA DIGITAL

2020 ◽  
Vol 1 (1) ◽  
pp. 32
Author(s):  
Wiwi Warsiati ◽  
Tiris Sudartono ◽  
Riana Dewi
Keyword(s):  
Cost Savings ◽  
Left Behind ◽  
Digital Era ◽  
Low Performance ◽  
Online Stores ◽  
And Training ◽  
Better Than ◽  
Cooperative Governance

The role of cooperatives on the economy in Indonesia is still low due to low performance and cooperative governance not based on good cooperative governance. Cooperatives find it difficult to develop because they are unable to keep up with changes in the digital era. Pancasila economics was explored and built on the values adopted in Indonesian society which put forward the principles of humanity, nationalism, and cooperative democracy demanded to make a transformation so as not to be left behind by members and society. The Kopti cooperative consists of entrepreneurs who know tempeh has the potential to make changes because the quality of human resources is better than other cooperatives. Cooperatives must build creative and innovative characters for cooperative mobilizers through education and training. Cooperative in the digital era by implementing Information Networks, e-commerce online stores that have advantages such as Cost Savings, Potential Income, Extensive sales, Ease in targeting customers, Facilitating the process when orders increase Keywords: cooperatives, digital era

scholarly journals PENINGKATAN LOYALITAS NASABAH BANK SYARIAH MELALUI PENINGKATAN KUALITAS LAYANAN DAN KEPUASAN NASABAH DENGAN VARIABEL RELIGIUSITAS SEBAGAI VARIABEL MODERATING (Studi pada Bank Syariah di Kota Semarang)

2017 ◽  
Vol 7 (2) ◽  
pp. 141
Author(s):  
Nurhayati Nurhayati ◽  
Fatmasaris Sukesti
Keyword(s):  
Quality Of Service ◽  
Customer Satisfaction ◽  
Product Quality ◽  
Customer Loyalty ◽  
Islamic Banks ◽  
Long Time ◽  
Conventional Banks ◽  
Competitive Rivalry ◽  
Number Of Customers

<em>Competitive rivalry between conventional banks and Islamic banks make Islamic banks should be able to compete with conventional banks in providing good quality of service, product quality and customer satisfaction, thereby increasing the number of customers. Quality of service also can affect customer loyalty directly and indirectly. The quality of service and satisfaction to encourage customers to be loyal to a company's products and services that have an impact on the improvement of market share for a product. Quality of service and customer satisfaction, especially in service companies is very important in retaining customers in a long time. Quality of service and customer satisfaction will determine the performance of the company. Factors religiosity in Indonesia also played in determining and pushing for elections on islamic bank customers because the system for different results offered by the system of interest of conventional banks. These results indicate that the quality of service and level of customer satisfaction and religiosity jointly effect on customer loyalty. Quality of service and customer satisfaction levels also have an effect on customer loyalty which variabels most influence on customer loyalty is the degree of religiosity.</em>

Pendidikan Bagi Generasi Emas Indonesia Abad 21: Sebuah Agenda Perubahan Paradigmatik

2018 ◽  
Vol 1 (3) ◽  
Author(s):  
Daniel Mohammad Rosyid ◽  
Masroro Lilik Ekowanti
Keyword(s):  
Value System ◽  
National Education ◽  
Digital Era ◽  
Self Organized ◽  
National Education System ◽  
The Social ◽  
Customized Learning ◽  
Society Today

 If the social phenomenon is a reflection of nature's thought, our culture and value system, then the multidimensional crisis afflicting our society today requires us to re-examine our educational philosophy and practice at least the past 40 years.  We suffer all the bad influences of industrialization as part of the colonial process, precisely because we adopt the most advanced instrument, namely, mass schooling system with an obsession for quality-based standard as the magic spell. In this digital era, the effort of liberating society from the colonial, pioneer of independence as a condition of the proclamation of independence was a reform of the national education system. We should be scheduled deschooling society. This agenda includes the following: the paradigmatic shift from the school system to learning webs based Self Organized Learning Environment (SOLE); mass schooling to individualized, customized learning; of relevance to quality; of technical competence to the independence of the soul or creativity. This reform was way back on the three pillars of education philosophy of Ki Hajar Dewantara: family, community, and College. New demands upon the role of the teacher in the 21st century is changing.

scholarly journals The Role of Quality of Work Life in Organizational Commitment in Islamic Banks

2020 ◽  
Vol 11 (4) ◽  
pp. 515
Author(s):  
Mahmoud Ali Alrousan ◽  
Shireen Mahmoud AlAli
Keyword(s):  
Organizational Commitment ◽  
Practical Aspect ◽  
Work Life ◽  
Quality Of Work Life ◽  
Islamic Banks ◽  
Quality Of Work ◽  
Statistical Program ◽  
Positive Effect

The study aims to identify the correlation and impact relationship between the quality of work life and the organizational commitment, and to show the strength of this relationship and its impact, and then provide a theoretical framework for the study variables. The practical aspect was distributed over a sample consisting of (77) persons working in Islamic banks. After the collection and processing of data using the statistical program (spss), the results showed a positive relationship between the variables of the study as well as the existence of a positive effect and accordingly, a number of recommendations were made.

ISLAMIC BANKS’ MARKET POWER, STATE-OWNED BANKS, AND RAMADAN: EVIDENCE FROM INDONESIA

2019 ◽  
Vol 64 (02) ◽  
pp. 423-440 ◽  
Author(s):  
TASTAFTIYAN RISFANDY ◽  
WAHYU TRINARNINGSIH ◽  
HARMADI HARMADI ◽  
IRWAN TRINUGROHO
Keyword(s):  
Market Power ◽  
Negative Impact ◽  
Positive Impact ◽  
Islamic Banks ◽  
Prior Literature ◽  
Conventional Banks

We use a monthly dataset to analyze whether Islamic banks have greater market power compared with their conventional counterparts. Using a sample of Indonesian banks, we find that Islamic banks possess greater market power than conventional banks. This condition does not hold, however, when we compare state-owned Islamic and conventional banks. We also find some specific determinants of Islamic banks’ market power: the Ramadan holy month (positive impact), the proportion of profit-and-loss sharing in their financing (negative impact), and the presence of a Sharia board (positive impact). Interestingly, Ramadan benefits not only Islamic banks but also conventional banks. Our findings support prior literature emphasizing the role of religiosity in Islamic banks’ behavior.

scholarly journals Linguistic Security of Russia and DAS (Distance Alternative Services) in Education

2020 ◽  
pp. 127-138
Author(s):  
Sergey Ustinkin ◽  
◽  
Irina Kuvakova ◽  
Keyword(s):  
Quality Of Life ◽  
Training Programs ◽  
National Program ◽  
Digital Era ◽  
Social Wellbeing ◽  
The Social ◽  
Developing Communities ◽  
The Russian Federation

The article describes the role of linguistic security in the digital era society and the advantages of the innovation associated with using distance alternative services (DAS) in education with the purpose of implementing training programs and developing communities within specific territories. The multi-innovative approach, described in the article, presupposes implementing the initiatives of the President of the Russian Federation and developing mechanisms for achieving the goals specified in the national program “New Quality of Life 2024” which seeks to improve the social wellbeing of the population of Russia, of partners within the “inner circle,” and of member countries of the commonwealths identified in the UN project in the field of education, aimed at sustainable development and collective security, including linguistic security.

scholarly journals The Role of Customer Engagement in Islamic Banking

2019 ◽  
Vol 2 (2) ◽  
pp. 123
Author(s):  
Maziyah Mazza Basya
Keyword(s):  
Business Ethic ◽  
Relationship Marketing ◽  
Point Of View ◽  
Customer Engagement ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Islamic Business Ethics

The marketing strategy to be engaged with customer of an Islamic bank must be concerned with its ability to gain a competitive advantage and establish a strong competitive position without neglecting an Islamic business ethic. Customer engagement (CE) in Islamic bank does not take any matter of competing on product and prices, but rather in stressing quality of the services they provide appealing customers conscience. This research attempts to enhance understanding of CE related in its role to increase the quantity and loyalty of Islamic banks customers with the Islamic business ethics point of view. This is a qualitative research that develops customer engagement concept that relevant to be applied in Islamic banking by collecting some of CE theories regarding the CE approach through relationship marketing and analyze them with Islamic business ethic overview. CE in Islamic banking has to be relied with Sharia’s law. The main point of CE in Islamic banking is not only to have a good relationship with the customer and be a brotherhood, but also to reach the Islamic banking purposes.

scholarly journals Islamic Banking Selection Criteria: Case in Indonesia Using Analytic Network Process

2019 ◽  
Vol 10 (1) ◽  
pp. 165
Author(s):  
Aam Slamet Rusydiana ◽  
Fatin Fadhilah Hasib
Keyword(s):  
Analytic Network Process ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Analytical Network Process ◽  
Network Process ◽  
Conventional Banks ◽  
Bank Marketing ◽  
And Behavior ◽  
Selection Of

<p>The Islamic banking industry is currently one of the main indicators of the development of Islamic economics in Indonesia. In Islamic banking issue, one of the important issues is related to people's preferences and behavior towards Islamic banks. The study of the criteria for selecting a bank has been the concern of many bank marketing researchers. Compared to conventional, such studies are relatively minimal, especially in Indonesia. This study tries to analyze the preferences and behavior of criteria for selection of Islamic banks in Indonesia through the Analytical Network Process (ANP) approach.The results conclude that the most priority criteria that influence the selection of Islamic banks in Indonesia are service factors and religiosity factors or the suitability of banks with sharia principles. Therefore, Islamic banks need to constantly improve the quality of services both services and products so that they can compete with conventional banks.</p><p>Industri perbankan syariah saat ini merupakan salah satu indikator utama perkembangan ekonomi Islam di Indonesia. Dalam masalah perbankan syariah, salah satu masalah penting adalah terkait dengan preferensi dan perilaku pemilihan masyarakat terhadap bank syariah. Studi tentang kriteria pemilihan bank syariah telah menjadi perhatian banyak peneliti. Studi tersebut relatif minimal jika dibandingkan dengan bank konvensional, terutama di Indonesia. Penelitian ini mencoba menganalisis preferensi dan perilaku pemilihan kriteria bank syariah di Indonesia melalui pendekatan Analytical Network Process (ANP). Hasilnya menyimpulkan bahwa kriteria yang paling prioritas yang mempengaruhi nasabah dalam memilih bank syariah di Indonesia adalah faktor layanan dan faktor religiusitas atau kesesuaian bank dengan prinsip syariah. Oleh karena itu, bank syariah perlu terus meningkatkan kualitas layanan baik produk maupun jasa sehingga mereka dapat bersaing dengan bank konvensional.</p>

scholarly journals nxmasf,ades,wqf,

2019 ◽  
Author(s):  
Ezra Tari
Keyword(s):  
Student Behavior ◽  
Technological Progress ◽  
Technological Development ◽  
Millennial Students ◽  
Student Activities ◽  
Digital Era ◽  
The Media ◽  
Role Of Teachers

In this writing, the author does a study about the role of teachers in utilizing learning media as a source of learning for millennial students. This study departs from the anxiety of the author about the condition of the teachers in the digital era. The author sees that at this time some teachers have difficulties in dealing with millennial students. Based on this problem, the authors do a study about the role of teachers in utilizing learning media empirically. Based on the study which did by the authors in this paper, three important point must be done by teachers in dealing with millennial students, that are: first, teachers can take advantage of all forms of technological development. Technological progress is something that cannot be avoided in this life, so the teacher should not be allergic to all forms of development that exist. Second, teachers can understand the power of the media as a source of learning. The benefit of learning media is determining the quality of learning delivered by a teacher. Therefore, teachers need to prepare learning media before teaching in class. After that, the teacher has to understand the needs of the millennial students. The needs of millennial students are not the same, but at least the presence of teachers provides solutions both cognitive, affective and psychomotor. The uniqueness of the teacher, in this case, is a teacher can act as anything as long as it can influence student behavior towards positive actions, even those students can become actors of the progress of the media. This is evident from the student activities that have been narrated in this paper

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