scholarly journals Analisis Pengaruh CAR, NPF, FDR, BOPO dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia: Studi Masa Pandemi Covid-19

At-Taqaddum ◽  
2020 ◽  
Vol 12 (1) ◽  
pp. 13
Author(s):  
Rofiul Wahyudi
Keyword(s):  
Banking System ◽  
Secondary Data ◽  
Total Sample ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Test Results ◽  
Banking Services ◽  
Quantitative Descriptive ◽  
Almost All ◽  
Practical Implications

<div><table cellspacing="0" cellpadding="0" align="right"><tbody><tr><td align="left" valign="top"><p>Corona Virus Desease 19 (Covid-19) is a pandemic that has spread to almost all countries, including Indonesia. As a result, impacts to various types of sectors are not only health, but also the banking system. The purpose of this study to analyze the CAR, NPF, FDR, ROA and inflation on the profitability of Islamic banking days of the pandemic Covid-19. This research method is quantitative descriptive using secondary data for the first quarter of 2020 obtained from the official pages of each bank and inflation data from the Central Statistics Agency (BPS) page. Purposive sampling selected in this study were that the total sample of 11 Islamic Banks. Statistical test results show simultaneously CAR, FDR, NPF, BOPO and Inflation have an impact on ROA even during the Covid-19 pandemic. This finding has practical implications for customers that make it possible to continue using Islamic banking services.</p></td></tr></tbody></table></div>

scholarly journals ANALISIS IMPLEMENTASI PRINSIP BAGI HASIL, RISIKO DAN PENANGANAN PEMBIAYAAN BERMASALAH TERHADAP PEMBIAYAAN MUSYARAKAH DAN PEMBIAYAAN MUDHARABAH (STUDI KASUS:BANK SYARIAH MANDIRI KC MANADO)

2016 ◽  
Vol 5 (2) ◽  
pp. 207
Author(s):  
Kartika Soetopo ◽  
David P.E. Saerang ◽  
Lidia Mawikere
Keyword(s):  
Banking System ◽  
Secondary Data ◽  
Profit Sharing ◽  
Special Treatment ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Financing Risk ◽  
Conventional Banks ◽  
Branch Office ◽  
Two Sides

The banking system in Indonesia is conducted by the dual banking system where the system is divided into conventional and Islamic. Presence of Islamic banks has provided  investment alternatives without worrying about the risk the development of remuneration with an uncertain interest method. But on this implementation, Islamic banking requires special treatment  different from conventional banks, especially in terms of handling the risks and challenges faced by Islamic banks. The problem is how to implement the profit sharing of principal and risks and how the handling Non Performing Finance of the implementation the profit sharing. To answer the problems of research using qualitative methods by analyzing primary and secondary data so as to produce the results of interviews. The result of this study show that in musyarakah principle not much different from the mudharabah, that both a system of partnership between the two sides or more to administer a particular business with profit sharing corresponding portion (ratio) were agreed at the beginning of the agreement. On this Implementation Mudharabah and Musyarakah have a some differences. While the risk in financing the Musyarakah and mudharabah, especially on this the financing application, high relatively, among other side streaming, negligence and misconduct willful, concealment of profits by customers when customers are not honest. The amount of financing risk is shown in the ratio of non-performing finance (NPF). The high of NPF indicates the large number of borrowers who can’t repay their finance in accordance with the initial agreement that has been agreed between the bank and the customer, so financing becomes problematic. Funding problems can be caused by the bank itself, the customers or external parties. Bank Syariah Mandiri (BSM) Branch Office Manado has been anticipating the event of a dispute banking, especially in the provision of financing problems. On this theory of completion financing problems, be done with several measures including the rescue action by intensive bill, rescheduling, re-requirements and realignment. Rescue actions made by bank on this condition that the customer is still considered to have good faith to settle the payment. Keywords: Islamic Banking, Profit Sharing, Risk, and Financing Problems

scholarly journals DEVELOPING ISLAMIC BANKING PERFORMANCE MEASURES BASED ON MAQASID AL-SHARI’AH FRAMEWORK: CASES OF 24 SELECTED BANKS

2015 ◽  
Vol 1 (1) ◽  
pp. 55-77 ◽  
Author(s):  
Mustafa Omar Mohammed ◽  
Fauziah Md Taib
Keyword(s):  
Performance Measures ◽  
Banking System ◽  
Poor Performance ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Test Results ◽  
Financial Measures ◽  
The Poor ◽  
Simple Additive Weighting ◽  
Conventional Banks

Islamic banking has achieved remarkable growth that has surpassed the growth of the conventional banking system. Yet, studies show that the performances of Islamic banks (IBs) seem to be trailing behind the conventional banks (CBs). Is the poor performance of IBs the result of mismatch between their objectives and their performance measurement criteria or it is a reflection of their true performances? The objectives of Islamic banking had not been formally addressed. Mustafa and Taib (2009) derived the objectives of Islamic banking from Abu Zahara’s theory of the objectives of Shari’ah (Maqasid al-Shari’ah) and, based on these Shari’ah objectives, developed a model of Islamic banking performance measures. They named it as Performance Measures based on Maqasid al-Shari’ah framework or the PMMS model. This paper has tested the PMMS model on a sample 24 banks (12 IBs and 12 CBs). The twenty four banks were also evaluated using the traditional conventional financial measures. Mann-Whitney U-Test results show IBs faring well in their performances when measured using the PMMS model than when they are measured using the conventional banking performance yardstick. Policy prescriptions and recommendations for further studies are provided at the concluding section of the paper. Key words: Maqasid al-shari’ah, operationalization, PMMS Model, Simple Additive Weighting (SAW), Mann-Whitney U-Test.JEL Classification: A13, B59, C02, C6, C12, C19, C42, C43, G21, M21, P46, P47, P49

scholarly journals Analysis the Effect of Islamic Banks Performance on Depositor’s Fund: Evidence from Indonesia

2016 ◽  
Vol 8 (10) ◽  
pp. 40 ◽  
Author(s):  
Mohmad T. Abusharbeh
Keyword(s):  
Econometric Model ◽  
Banking System ◽  
Secondary Data ◽  
Operational Efficiency ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Exogenous Variables ◽  
Business Units ◽  
Capital Adequacy Ratio

<p>This study aims to examine the effect of CAMEL framework on depositor’s fund of Indonesian Islamic banks. The study uses a sample of 11 Islamic commercial banks and 24 Islamic business units’. It used depositors fund as the endogenous variable, and some components of CAMEL such as capital adequacy, assets quality, operational efficiency, profitability, and liquidity as exogenous variables. An econometric model was established and parameters are estimated based on the secondary data obtained from Islamic banking statistics-Bank of Indonesia database for five years (2010-2015). The results of the paper conclude that capital adequacy ratio and liquidity are significant and positively correlated to Islamic deposits, while nonperforming financing is significant but negatively related to the Islamic depositor’s fund. On the other hand, profitability and operational efficiency are not to be significant influence on the depositor’s fund. Finally, the statement of theory proved that good Islamic banks performance provided positive image and confidence in Islamic banking system.</p>

scholarly journals Dewan Pengawas Syariah Dan Pengungkapan Aspek Lingkungan, Produk Dan Jasa Pada Bank Syariah

2019 ◽  
Vol 4 (2) ◽  
pp. 169-181
Author(s):  
Ari Purwanti
Keyword(s):  
Annual Report ◽  
Supervisory Board ◽  
Social Reporting ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Test Results ◽  
Environmental Aspects ◽  
Board Meeting ◽  
Banking Services

This study aims to provide empirical evidence of the influence of the role of the Sharia Supervisory Board on the disclosure of environmental aspects and aspects of banking services product on Islamic banking in Indonesia based on Islamic Social Reporting in the annual report period 2013-2015. This study performed content analysis and simple regression. There are nine Islamic banks were selected in the study sample were tested. The results showed that the amount of the Sharia Supervisory Board has given a significant effect on the extent of disclosure of environmental aspects and also aspects of banking services products based on Islamic Social Reporting. However, the test results that show the influence of the frequency of the Sharia Supervisory Board meeting on the extent of disclosure of environmental aspects and aspects of banking products based Islamic Social Reporting that proved insignificant.

scholarly journals Pengaruh Kualitas Penerapan Good Corporate Governance dan Risiko Pembiayaan terhadap Profitabilitas Perbankan Syariah

2014 ◽  
Vol 1 (2) ◽  
pp. 134-149 ◽  
Author(s):  
Ferly Ferdyant ◽  
Ratna Anggraini ZR ◽  
Erika Takidah
Keyword(s):  
Corporate Governance ◽  
Secondary Data ◽  
Total Sample ◽  
Negative Influence ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Self Assessment ◽  
Return On Assets ◽  
Good Corporate Governance

The purpose of this research is to analyze the influence of the quality of the implementation of good corporate governance toward profitability of Islamic Banks and analyze the influence of non performing finance toward profitability of Islamic Banks. This research used secondary data from financial statements published by Bank Indonesia and Annual Report GCG in 2010-2013. The Techniques used for sampling is purposive sampling and obtained by 10 Islamic Banks with a total sample of 39 Islamic Banks. Profitability ( Dependent Variable ) in this research is proxied by Return on Assets ( ROA) .While the Independent Variable is The Quality Implementation of Good Corporate Governance obtained from Composite GCG Self Assessment Report Annual Islamic Banking, and Financing Risks are proxied by the Non -Performing Finance ( NPF ). The influence of the three variables and relationships are tested using multiple regression analysis.  T-test SPSS results showed that the quality of the implementation of Good Corporate Governance has negative influence and significant toward profitability of Islamic banking. Non-Performing Finance has negative influence and significant toward profitability of Islamic banking. While the F-test SPSS results showed Implementation of Good Corporate Governance and Quality of Non-Performing Finance has negative influence and significant toward profitability of Islamic banking. Thus, this hypothesis is proven.The purpose of this research is to analyze the influence of the quality of the implementation of good corporate governance toward profitability of Islamic Banks and analyze the influence of non performing finance toward profitability of Islamic Banks. This research used secondary data from financial statements published by Bank Indonesia and Annual Report GCG in 2010-2013. The Techniques used for sampling is purposive sampling and obtained by 10 Islamic Banks with a total sample of 39 Islamic Banks. Profitability ( Dependent Variable ) in this research is proxied by Return on Assets ( ROA) .While the Independent Variable is The Quality Implementation of Good Corporate Governance obtained from Composite GCG Self Assessment Report Annual Islamic Banking, and Financing Risks are proxied by the Non -Performing Finance ( NPF ). The influence of the three variables and relationships are tested using multiple regression analysis.  T-test SPSS results showed that the quality of the implementation of Good Corporate Governance has negative influence and significant toward profitability of Islamic banking. Non-Performing Finance has negative influence and significant toward profitability of Islamic banking. While the F-test SPSS results showed Implementation of Good Corporate Governance and Quality of Non-Performing Finance has negative influence and significant toward profitability of Islamic banking. Thus, this hypothesis is proven.

scholarly journals Performance of Depositor Fund: A Lesson from Indonesian Islamic Banking System

ETIKONOMI ◽  
2017 ◽  
Vol 16 (1) ◽  
pp. 53-70
Author(s):  
Sayakhmad Olimov ◽  
Abdul Hamid ◽  
Muhammad Arief Mufraini
Keyword(s):  
Sampling Method ◽  
Banking Sector ◽  
Annual Report ◽  
Banking System ◽  
Secondary Data ◽  
High Ratio ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Statistical Research ◽  
Financial Ratio

The objective of study is to analyze the performance of Depositor Fund in the operation of Islamic bank as an alternative banking sector in financial market based on the profit and loss mode of financing in the case of Indonesia. The research methodology is quantitative analysis based on the Multiple Regression. In the study secondary data is used and were collected from Annual Report of Islamic Banks. The sample of study is the bank, which is selected from 36 samples of Islamic Commercial Banks relates to non-probability purposive sampling method as a statistical research techniques. The result of study showed that the performance of Depositor Fund in the operation of Islamic banks has negative proficiency and otherwise the Islamic banks have weaknesses capability to improve the high ratio of increasing productivity Depositor Fund based on the financial ratio factors, which are analyzed.DOI: 10.15408/etk.v16i1.4871

Exploring the “social failures” of Islamic banks: a historical dialectics analysis

2017 ◽  
Vol 8 (3) ◽  
pp. 250-271 ◽  
Author(s):  
Zayyad Abdul-Baki ◽  
Ahmad Bukola Uthman
Keyword(s):  
Design Methodology ◽  
Banking System ◽  
Profit Maximization ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Muslim Population ◽  
Content Type ◽  
The Social ◽  
Dialectical Analysis ◽  
Practical Implications

Purpose This paper aims to argue that the current environment in which the Islamic banking system is situated is not ideal for the system’s pursuance of its socioeconomic ideals, thus necessitating the system’s shift from pursuing falah to maximizing profits. Design/methodology/approach The paper theorizes and conceptualizes this shift from falah to profit maximization using two complementary theories – systems theory and institutional theory – to prove that such a shift is not unexpected. The paper further adopts a dialectical analysis that is somewhat historical to analyse the shift. Findings The measure of the Islamic banks’ performance in terms of their social ideals is misplaced, as the environment in which they currently operate does not support such goals. Thus, stemming from the theoretical base, the Islamic banks’ pursuance of profit maximization instead of falah should not be unexpected. The paper concludes that despite the unfavorable environment, the social ideals of the Islamic banking system may still be met, to an extent, through investment in microfinance and awqaf. Research limitations/implications The paper adopts document analysis for sourcing data majorly from prior studies. Hence, the authors do not conclude that the analysis herein is applicable to all Islamic banks. Secondly, as the authors could not get a complete historical account of the Islamic banking system’s development, some aspects of the dialectical analysis – contradiction and change – have been discussed in a general fashion. Practical implications The need for Islamic banks in the current environment, especially for the Muslim population, cannot be over emphasized; however, the achievement of falah given this current environment may be daunting. Originality/value The current analyses of the shift of Islamic banks from pursuing falah to pursuing profit maximization are not well-defined, as they lack a proper theorization of the challenges faced by Islamic banks. This paper fills this gap.

Purification of Non-Halal Income in Malaysian Islamic Banks: An Overview (Penyucian Pendapatan Tidak-Halal Di Bank-Bank Islam Malaysia: Satu Tinjauan)

2017 ◽  
Vol 14 (2) ◽  
pp. 305-326
Author(s):  
Saidatolakma bt Mohd Yunus ◽  
Sayed Sikandar Al Haneef ◽  
Zuraidah Kamaruddin ◽  
Mek Wok Mahmud
Keyword(s):  
Special Reference ◽  
Banking System ◽  
Financial Impact ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Total Income

Abstract Purification of non-halal income (NHI) is the process of deducting non-halal or tainted income deemed unacceptable by Shairaah from the total income generated in Islamic banks. It is undeniable that Shariaah non-compliance events still occur in Islamic banking system considering the fact that Islamic banks have not been able to fully comply with the requirements of Shariaah in their transactions, operations and financial activities. The realization of Shariaah non-compliance events in Islamic banks in some situations involve a financial impact which leads to NHI. All NHI identified must be purified since Islam does not allow any non-halal income to be held, kept and utilized for their own benefits. This paper will give a new insight on purification of NHI by first delineating the concept of mal haram in Islam as well as the Shariaah non-compliant events realized in the banks, with special reference to cases involving Islamic banks in Malaysia. Keywords: Islamic banking, non-halal income, purification, charity, waqf. Abstrak Penyucian pendapatan tidak halal (NHI) adalah proses memisahkan pendapatan tidak halal menurut Syari'ah daripada jumlah keseluruhan pendapatan yang dihasilkan oleh bank Islam. Tidak dapat dinafikan bahawa masih berlaku ketidakpatuhan Syariah dalam sistem perbankan Islam. Ini adalah kerana bank Islam tidak dapat mematuhi sepenuhnya keperluan Syariah dalam transaksi, operasi dan kegiatan kewangan mereka. Kewujudan perkara yang tidak mematuhi Syariah di bank Islam dapat memberi kesan kepada status kewangan yang boleh membawa kepada berlakunya pendapatan haram. Pendapatan tidak halal yang sudah dikenalpasti mesti disucikan kerana Islam tidak membenarkan apa-apa pendapatan tidak halal disimpan dan digunakan untuk faedah mereka sendiri. Kajian ini memberi pandangan baru tentang penyucian pendapatan tidak halal dengan membincangkan konsep harta haram dalam Islam serta perkara-perkara yang tidak patuh syariah yang berlaku di bank-bank Islam di Malaysia. Kata Kunci: Perbankan Islam, pendapatan tidak-halal, Penyucian, Amal, wakaf.

scholarly journals The Effect of Knowledge, Promotion, and Religiosity on Intention to Use Islamic Banking Services

2020 ◽  
Vol 11 (2) ◽  
pp. 128
Author(s):  
Kardoyo . ◽  
Ahmad Nurkhin ◽  
Muhsin . ◽  
Hasan Mukhibad ◽  
Fatmala Dewi Aprilia
Keyword(s):  
Significant Influence ◽  
Research Result ◽  
Educational Background ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Banking Services ◽  
The Public ◽  
Central Java ◽  
And Gender ◽  
Knowledge Promotion

This study aims to examine the effect of knowledge, promotion, and religiosity on the interest in using Islamic banking services. The purpose of the next research is to examine the effect of knowledge on religiosity. In addition, this study also examines the effect of educational background and age on saving interest in Islamic banks. The population in this study are customers of Bank Syariah Mandiri, Brebes, Central Java, Indonesia. Ninety-nine research samples were obtained. The data collection method used was questionnaires. The data analysis method used was SEM-PLS. The results showed that only promotion proved to have a positive and significant effect on interest in using the services of Islamic banks. Knowledge and religiosity have not been proven to have a significant effect on interest in using services of Islamic banks. Likewise, background and gender do not have a significant effect. The next research result is that there is a positive and significant influence of knowledge on religiosity; there is also a positive and significant influence on the promotion of knowledge. This study recommends the importance of continuing socialization and education from Islamic banking stakeholders in Indonesia to continue introducing Islamic banks to the public.

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.

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