scholarly journals SOCIALIZATION, LITERACY AND IMPLEMENTATION OF SHARIA BANKING PRODUCTS

2021 ◽  
Vol 1 ◽  
pp. 63-67
Author(s):  
Arini Fitria Mustapita
Keyword(s):  
Community Service ◽  
Rapid Growth ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Problem Identification ◽  
Implementation Evaluation ◽  
Service Activity ◽  
Banking Business ◽  
Three Stages ◽  
Conventional Banks

The banking world is currently experiencing rapid growth, new banks have emerged such as Islamic banks, so it is inevitable that a competitive and tight banking business will emerge. This service activity is expected to provide provisions for the participants to improve the Islamic economy. Understanding Islamic banking products will provide benefits for them in terms of the Islamic economy. The systematics of the implementation of this service activity is Socialization, Literacy and Implementation with the assisted subjects who are partners of this community service activity are Karang Taruna and Dinoyo Residents in Lowokwaru District, Malang City. The activity is carried out in three stages: problem identification, activity implementation, and implementation evaluation. The result of the implementation of this activity was that the participants expressed their gratitude to us for being allowed to take part in the Islamic banking literacy and socialization activities so that they could open their minds who had so far felt that conventional banks and Islamic banks were the same. This shows that the literacy and socialization of Islamic banking in society are still not active enough, so activities like this should be carried out more frequently.

Islamic bank vs conventional bank: intermediation, fee based service activity and efficiency

2016 ◽  
Vol 9 (2) ◽  
pp. 296-311 ◽  
Author(s):  
Dimas Satria Hardianto ◽  
Permata Wulandari
Keyword(s):  
Credit Risk ◽  
Stochastic Frontier ◽  
Control Variable ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Control Variables ◽  
Content Type ◽  
Operating Income ◽  
Service Activity ◽  
Conventional Banks

Purpose The aim of this research is to compare the differences of intermediation, fee-based service activity and efficiency of conventional banks vs Islamic banks in Indonesia for the 2011-2013 period. Moreover, this study also includes some control variables to find their effect on the dependent variables. Design/methodology/approach This research uses two methods, namely, stochastic frontier approach and panel data regression. Findings The result indicates that Islamic banks have a higher intermediation ratio, have higher proportion on fee income-to-total operating income and are less efficient. The control variable that has a positively significant effect on intermediation ratio is size; meanwhile, inefficiency and non–loan-earning asset are negatively affecting the intermediation ratio. The control variable that show a positively significant effect on the proportion of fee income-to-total operating income is size; meanwhile, the credit risk variable has no significant effect on the proportion of fee income-to-total operating income. Size and credit risk are the control variables that have a negative relation to efficiency. Originality/value This study has significantly contributed to Indonesian Islamic banking based on which the Islamic banking manager should recognize that the intermediation level, fee-based service activity and efficiency are crucially important in establishing competition and maintaining sustainable Islamic banking.

scholarly journals PROGRAM PENINGKATAN LITERASI KEUANGAN SYARIAH BAGI GURU TAMAN PENDIDIKAN ALQURAN (TPQ) DI KOTA SEMARANG

2018 ◽  
Vol 24 (2) ◽  
pp. 655
Author(s):  
Kardoyo Kardoyo ◽  
Syamsu Hadi ◽  
Ahmad Nurkhin
Keyword(s):  
Community Service ◽  
Financial Literacy ◽  
Financial Institution ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Full Support ◽  
Service Activities ◽  
Basic Concepts ◽  
Conventional Banks

AbstrakKegiatan pengabdian kepada masyarakat ini dilaksanakan sebagai upaya untuk mengedukasi keuangan syariah guru-guru Taman Pendidikan Alquran (TPQ) di Kecamatan Gunungpati Kota Semarang melalui kegiatan literasi keuangan syariah. Hal ini dilatarbelakangi dengan kenyataan bahwa kegiatan edukasi yang dilakukan selama ini untuk meningkatkan literasi keuangan syariah masih belum tersosialisasi dengan baik. Dan belum bisa menyentuh kalangan guru-guru TPQ. Penyelenggaraan TPQ (taman pendidikan al quran) menjadi sangat penting dan mendasar untuk memberikan bekal bagi siswa-siswa TPQ untuk lebih dini mengenal keuangan syariah. Melalui TPQ, guru-guru TPQ dapat mengenalkan dan memberikan pemahaman dengan sangat kondusif. Materi yang disampaikan adalah pengenalan lembaga keuangan syariah. Kegiatan pengabdian dilaksanakan dalam bentuk sosialisasi dan penyuluhan. Kegiatan pengabdian telah dilaksanakan dalam beberapa tahap; koordinasi persiapan pelaksanaan, pelaksanaan kegiatan edukasi, dan kegiatan evaluasi kegiatan. Kegiatan pengabdian diikuti 37 peserta guru TPQ. Pondok Pesantren (PP) Al Asror sebagai tuan rumah memberikan dukungan penuh pelaksanaan kegiatan pengabdian. Kegiatan pengabdian kepada masyarakat dapat meningkatkan literasi keuangan syariah peserta. Hal ini ditunjukkan dengan semakin pahamnya peserta mengenai perbedaan bank syariah dan bank konvensional, konsep dasar keuangan syariah dan akad-akad yang digunakan untuk pengembangan produk lembaga keuangan syariah.Kata Kunci: lembaga keuangan syariah, perbankan syariah, literasi keuangan syariah, guru TPQAbstractCommunity service activities are conducted as an effort to educate the shariah finance of TPQ teachers in Gunungpati Sub-district, Semarang City through syariah financial literacy activities. This is motivated by the fact that educational activities conducted so far to increase the literacy of Islamic finance is still not well socialized. And can not touch the TPQ teachers. Implementation of TPQ (al Quran education) becomes very important and fundamental to provide stock for TPQ students to be more familiar with sharia finance. Through TPQ, TPQ teachers can introduce and provide understanding very conducive. The material presented is the introduction of syariah financial institutions. The community service are carried out in the form of socialization and counseling. The community service has been carried out in several stages; coordination of preparation, implementation of education activities, and evaluation activities. The commnity service activities were attended by 37 TPQ teachers. PP Al Asror as the host provides full support for the implementation of community service activities. The community service activities can increase participants' sharia financial literacy. This is indicated by the increasing understanding of the participants regarding the differences between Islamic banks and conventional banks, the basic concepts of Islamic finance and akad-akad used for the development of Islamic financial institution products.Keywords: Islamic financial institution, islamic banking, sharia financial literacy, TPQ teacher

scholarly journals MANAJEMEN RISIKO PADA BANK SYARIAH

2019 ◽  
Author(s):  
Afriyeni Afriyeni ◽  
Romi Susanto
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Liquidity Risk ◽  
Deep Understanding ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Legal Risk ◽  
The World ◽  
Banking Business ◽  
Conventional Banks

Research and experience over the last two decades has resulted in a deep understanding of issues relating to risk management and the principles of a well established risk faced by management. The company managers are increasingly recognizing the importance of risk management. In the context of risk management, the guidelines were implemented over the years, made only for conventional banks. Whereas players in the world and national banking business not only conventional banks, but has also been enlivened by banks with Islamic principles that number continues to increase from year to year. This paper gives an overview of how risk management in Islamic banking. In general, the risks faced by Islamic banking can be classified into two major parts. Ie the same risks faced by conventional banks and the risk that is unique because it must follow the principles of sharia. Credit risk, market risk, benchmark risk, operational risk, liquidity risk, and legal risk, Islamic banks must be faced. But, because they have to abide by the rules of Sharia, the risks faced by Islamic banks had to be different.

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.

scholarly journals Analysis of Indonesian Islamic and Conventional Banking Before and After 2008

2016 ◽  
Vol 8 (11) ◽  
pp. 193 ◽  
Author(s):  
Arfianti Novita Anwar
Keyword(s):  
Secondary Data ◽  
Rank Test ◽  
Islamic Banking ◽  
Positive Contribution ◽  
Islamic Banks ◽  
Significant Difference ◽  
Before And After ◽  
Signed Rank Test ◽  
The Law ◽  
Conventional Banks

<p>This study aims to analyze the performance of Islamic banks and conventional banks before and after the implementation of Islamic Banking Act 2008. The performance will be measured using CAMEL ratio selected. This research is considered essential in examining the positive contribution of the application of the Act to improve the performance of Islamic banks in Indonesia. By using secondary data, this study compared the performance of Islamic banks with that conventional bank selected as samples during the study period. Data were analyzed using the Wilcoxon Signed Rank Test for inter-temporal and Mann-Whitney test for inter-bank. Inter-temporal Tests conducted on Islamic Banking showed that a significant difference was only seen in the NPF ratio of 2 years before and after implementation of Islamic Banking Act. As for conventional banks showed a more diverse ie for 1 year before and after the application of the Law on Islamic Banking there are significant differences for the ROA and ROE, two years before and after implementation of the Law Islamic banking there are significant differences for the CAR, ROA, ROE and NIM and for the overall test a significant difference to CAR, ROA, ROE, NIM and efficiency. Inter-bank testing showed that prior to the application of Islamic Banking Act there are significant differences between conventional banks and Islamic banks to CAR, ROA and efficiency. Furthermore, after the application of Islamic Banking Act there is a significant difference for the CAR and LDR / FDR.</p>

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 Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh

2016 ◽  
Vol 3 (4) ◽  
pp. 84
Author(s):  
Sarwar Uddin Ahmed ◽  
Ashikur Rahman ◽  
Samuel Parvez Ahmed ◽  
G M Wali Ullah
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
Specific Rate ◽  
Islamic Banks ◽  
Loss Mechanism ◽  
Monthly Data ◽  
For Profit ◽  
Significant Difference ◽  
Conventional Banks ◽  
The Relationship

<p><em>Islamic banking is based on profit and loss mechanism where the use of interest is prohibited.  Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing.  However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits.  On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.</em></p>

scholarly journals PELATIHAN PENINGKATAN KAPASITAS PEMUDA DAN PEMBUATAN PROGRAM KERJA PADA ORGANISASI PEMUDA DESA CIBINUANG, KABUPATEN KUNINGAN

2018 ◽  
Vol 1 (02) ◽  
Author(s):  
Roni Nursyamsu
Keyword(s):  
Rural Communities ◽  
Community Service ◽  
Community Empowerment ◽  
Technical Training ◽  
Youth Organizations ◽  
Youth Organization ◽  
Service Activity ◽  
Three Stages ◽  
Village Government

The Community Service Activity / Kegiatan pengabdian kepada Masyarakat (PKM) was held in Cibinuang Village, Kuningan District, Kuningan Regency with the target of young people who are members of Karang Taruna Tunas Mekar as youth organization in Cibinuang Village. The problems faced by partner institution in this activity are: a) lack of socialization about the existence of youth organizations and their roles in the development of rural communities, b) less awareness and participation of youth in organizations, both administrator/ other members, c) training of administrators / members in making work programs have never been done. The method of implementation in this activity is active participation with stages namely 1). Seminar and discussing about the role of youth organizations, 2). Providing technical training in making organization programs, 3) Mentoring in making proposals. Seminar about the roles of youth organization for community empowerment in youth organizations in Cibinuang Village presented material in accordance with the theme. The materials presented to the participants including: the role of youth in village development, the mechanism for preparing programs and how to make proposals for effective funding requests. The training in making organization programs and activity proposals were divided into three stages, namely lectures and discussion about the role of youth organizations, providing technical training in the preparation of organization programs and making activity proposals, and mentoring in making organization programs and proposals.� Based on the process PkM activities, it can be seen that 1) there were enhancing youth's understanding and awareness of their capacity in developing villages through youth organizations, 2) members and administrators of youth organizations were motivated to play an active / participating role in building themselves and their villages, 3) administrators of youth organizations to arrange a program, 4) the management of the youth organization was able to make a proposal from each organization program that will be submitted to the Cibinuang Village Government.�Keywords: Youth Capacity, Youth Organization, Organization Program�AbstrakKegiatan Pengabdian Kepada Masyarakat (PKM) ini dilaksanakan di Desa Cibinuang Kecamatan Kuningan Kabupaten Kuningan dengan target pemuda-pemudi yang tergabung dalam Karang Taruna Tunas Mekar yang merupakan organisasi kepemudaan di tingkat Desa Cibinuang.� Permasalahan yang dihadapi oleh lembaga mitra dalam kegiatan ini yaitu: a) kurang tersosialisasikanya eksistensi organisasi pemuda dan perannya dalam pembangunan masyarakat desa, b) kesadaran dan partisipasi pemuda dalam organisasi baik pengurus/anggota kurang, c) pelatihan pada pengurus/anggota dalam membuat program kerja belum pernah dilakukan.� Metode pelaksanaan dalam kegiatan ini yaitu partisipasi aktif dengan tahapan yakni 1). Ceramah dan tanya jawab tentang peran organisasi pemuda, 2). Memberikan pelatihan teknis pembuatan program kerja, 3) Pendampingan dalam membuat proposal kegiatan. Seminar tentang peran organisasi pemuda untuk pemberdayaan masyarakat pada organisasi pemuda di Desa Cibinuang Kec. / Kab. Kuningan diisi dengan pemaparan materi yang sesuai dengan tema. Materi-materi yang disampaikan kepada peserta meliputi: peran pemuda dalam pembangunan desa, mekanisme penyusunan program kerja dan cara pembuatan proposal kegiatan untuk permintaan dana yang efektif. Pelatihan pembuatan program kerja dan proposal kegiatan dibagi menjadi tiga kegiatan, yaitu ceramah dan tanya jawab tentang peran organisasi pemuda, memberikan pelatihan teknis penyusunan program kerja dan pembuatan proposal kegiatan, dan pendampingan dalam membuat program kerja dan proposal kegiatan. Berdasarkan proses kegiatan Pengabdian Kepada Masyarakat dapat dilihat adanya 1) peningkatkan pemahaman dan kesadaran pemuda terhadap kapasitasnya dalam membangun desa melalui wadah organisasi pemuda, 2) anggota maupun pengurus organisasi kepemudaan termotivasi� untuk berperan aktif/berpartisipasi dalam membangun diri maupun desanya, 3) pengurus organisasi kepemudaan dapat menyusun program kerja, 4) pengurus organisasi kepemudaan mampu membuat proposal kegiatan dari setiap program kerja yang akan diajukan ke Pemerintah Desa Cibinuang.

scholarly journals Pengaruh Religiositas terhadap Minat Mahasiswa Menabung di Bank Syariah

2021 ◽  
Vol 4 (1) ◽  
pp. 25-35
Author(s):  
Peni Darmisah ◽  
Saiin Saiin
Keyword(s):  
Data Analysis ◽  
Educational Background ◽  
Regression Method ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Remote Areas ◽  
Conventional Banks ◽  
Simple Regression

As students who have an educational background in Islamic Economics, each has a different perception of Islamic Banking. There are still students who compare Islamic banks and conventional banks, a doubt toward the operational saving system, financing or discounting, and the existence of conventional Banks being more affordable than Islamic banks in remote areas. This study aimed to examine the effect of religiosity on students' interest in saving in Islamic banks. This type of research was quantitative with data analysis using a simple regression method. The results showed that the t count was 14,832, and the t table was 1,975 < t count 14,832 with a significance of 0.000 under 0.05. Therefore, it concluded that religiosity significantly affects the saving interest of students at Islamic Banks.

scholarly journals ISLAMIC BANKING PERFORMANCE MEASUREMENT: A CONCEPTUAL REVIEW OF TWO DECADES

2021 ◽  
Vol 5 (1) ◽  
pp. 16-33
Author(s):  
Elyanti Rosmanidar ◽  
Abu Azam Al Hadi ◽  
Muhamad Ahsan
Keyword(s):  
Financial Performance ◽  
Intellectual Capital ◽  
Social Performance ◽  
Meta Analysis ◽  
Jel Classification ◽  
Research Trend ◽  
Islamic Banking ◽  
Islamic Banks ◽  
The Past ◽  
Conventional Banks

This article aims to provide an overview of the development of research on the measurement of Islamic banking performance over the past 20 years from 89 selected papers with Scopus-indexed journals ranked Q4 to Q1 or accredited with Sinta 2 to Sinta 1. This study used a qual-quantitative meta-analysis approach using the Mendeley citation application. The distribution of the topic and the depth of research in paper samples based on keywords in publications were analyzed using the VOSviewer application. The results of the analysis showed that the research trend of Islamic banking performance in reputable journals is increasing in recent years. Most of the studies performed in the last two decades have focused on the practice and corporate governance of Islamic banks and comparisons between Islamic and conventional banks based on financial performance ratios and aspect of maqasid al-Shariah; Only a few studies that discuss efficiency, social performance on Islamic banks, regulation, intellectual capital and stability of the financial performance of Islamic banks were found. The further discussion is an empirical exposure without theoretical exploration or analysis which is supposed to become the direction of banking research in the future.  JEL Classification Codes: G21, L25, P17, P47.

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