scholarly journals Patterns of Islamic Banks Financing to Increase the Number of Halal Tourism and the Local Generated Income (PAD) Growth In Indonesia

2019 ◽  
Vol 4 (1) ◽  
pp. 10
Author(s):  
Fadli Muhammad
Keyword(s):  
Tourism Industry ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Bank Financing ◽  
Tourism Sector ◽  
Capital Financing ◽  
Tourism Potential ◽  
Relationship Of ◽  
The Relationship

This study aims to analyze the relationship of Islamic bank financing to the increase the number of halal tourists and the growth the local generated income (PAD) period 2015-2016 in 33 provinces, Indonesia. Using the research method is granger causality and panel data multiple regression with the Minitab analytical tool. This model analyzes the influence of Islamic bank financing contributions to the number of halal tours and the local generated income. The amount of Islamic banks financing in the tourism sector such as restaurant and tourism business has contributed to increase the number of halal tourists and the growth of the local generated income (PAD). The results of this study can be used for the Islamic banking industry to support capital financing for the halal industry. In previous studies only analyzed the halal tourism potential, as well as the potential of the tourism industry in general for the local generated income. However, this study discusses the contribution of Islamic bank financing to the number of halal tourism and an increase in the local generated income.

scholarly journals Patterns of Islamic Banks Financing to Increase the Number of Halal Tourism and the Local Generated Income (PAD) Growth In Indonesia

2019 ◽  
Vol 4 (1) ◽  
pp. 10
Author(s):  
Fadli Muhammad
Keyword(s):  
Tourism Industry ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Bank Financing ◽  
Tourism Sector ◽  
Capital Financing ◽  
Tourism Potential ◽  
Relationship Of ◽  
The Relationship

This study aims to analyze the relationship of Islamic bank financing to the increase the number of halal tourists and the growth the local generated income (PAD) period 2015-2016 in 33 provinces, Indonesia. Using the research method is granger causality and panel data multiple regression with the Minitab analytical tool. This model analyzes the influence of Islamic bank financing contributions to the number of halal tours and the local generated income. The amount of Islamic banks financing in the tourism sector such as restaurant and lodging business has contributed to increase the number of halal tourists and the growth of the local generated income (PAD). The results of this study can be used for the Islamic banking industry to support capital financing for the halal industry. In previous studies only analyzed the halal tourism potential, as well as the potential of the tourism industry in general for the local generated income. However, this study discusses the contribution of Islamic bank financing to the number of halal tourism and an increase in the local generated income.

scholarly journals The Relationship of Macro-risk Indicators, Internal Factors, and Risk Profile of Islamic Banking in Indonesia

ETIKONOMI ◽  
2020 ◽  
Vol 19 (2) ◽  
Author(s):  
Perdana Wahyu Santosa ◽  
Any Setianingrum ◽  
Nurul Huda
Keyword(s):  
Risk Profile ◽  
Risk Indicators ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Internal Factors ◽  
Macroeconomic Indicators ◽  
Managerial Implications ◽  
Conventional Banks ◽  
Relationship Of ◽  
The Relationship

This study is essential because Islamic banks have a higher NPF level than conventional banks and examine whether macroeconomic indicators (macro-risk), internal factors of banking (GCG-earnings-capital) risk profile correlate term Indonesian Islamic banking. The method used is the correlation analysis involving four macro-risk variables (Forex; BI rate; Inflation and GDP), three GEC variables (GCG; ROA, and CAR), and two risk profiles (FDR and NPF). The number of samples is the ten largest Indonesia sharia commercial banks with the 2011-2018 periods. This research finds that macroeconomic indicators positively correlate to non-performing financing (NPF). The GEC positively correlates to NPF and FDR; GEC is negatively correlated to macro-risk indicators. However, some indicators are negatively correlated, such as GDP-corporate governance, Forex-profitability, GDP-efficiency, BI rate-capital, and profitability-NPF. The study proposed managerial implications to understand the relationship between macroeconomic, internal factors, and risk profile in Islamic bank lending.JEL: D02; G21, G32How to Cite:Santosa, P. W., Setianingrum, A., & Huda, N. (2020). The Relationship of Macro-risk Indicators, Internal Factors and Risk Profile of Islamic Banking in Indonesia. Etikonomi: Jurnal Ekonomi, 19(2), xx – xx. https://doi.org/10.15408/etk.v19i2.15528.

Evaluation and Identification of Professional Tourism Educational and Training Competences

2016 ◽  
pp. 102-118
Author(s):  
Rosa María Rivas García ◽  
Edgar Oliver Cardoso Espinosa
Keyword(s):  
Human Capital ◽  
Knowledge Management ◽  
Tourism Industry ◽  
Educational Evaluation ◽  
Tourism Sector ◽  
School Training ◽  
Relationship Of ◽  
The Relationship ◽  
And Training

This chapter deals with the evaluation and identification of professional tourism educational and training competences with the purpose of recognizing the main characteristics of labour capacity in the tourism industry. Tourism is promoted through education, as well as through the development of skills and tools that result in an optimal labour performance during the stages of school training. Moreover, it describes the relationship of knowledge management in the tourism sector that leads to quality in human capital, in addition to professional alignment, in an educational context. As this section focuses on the overview of professional tourism, the following components are considered; the preamble and classification of the tourism industry, the conceptualization of educational evaluation and competence, and concludes with the description and analysis of the works targeted at the evaluation and identification of professional competences in tourism.

scholarly journals PENGUNGKAPAN ICSR, REPUTASI, VISIBILITAS DAN PROFITABILITAS BANK SYARIAH: PENELITIAN DENGAN MEDIATOR DAN MODERATOR

2021 ◽  
Vol 8 (3) ◽  
pp. 338
Author(s):  
Habib Sa'dul Kholqi ◽  
Dina Fitrisia Septiarini
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Islamic Banks ◽  
Inconsistent Result ◽  
Islamic Bank ◽  
Corporate Social ◽  
Relationship Of ◽  
The Impact ◽  
The Relationship ◽  
Positive Effect

ABSTRAKPengungkapan ICSR menjadi isu penting yang dapat mempengaruhi reputasi dan profitabilitas bank syariah. Banyak penelitian empiris terkait pengaruh ICSR terhadap profitabilitas menunjukan hasil yang beragam. Misspesifikasi model penelitian dan strategi ICSR dapat menjadi sebab hasil tersebut. Penelitian ini bertujuan untuk menguji pengaruh pengungkapan ICSR terhadap kinerja keuangan bank syariah dengan mempertimbankan reputasi sebagai variabel mediasi dan visibilitas sebagai variabel yang memoderasi pengaruh pengungkapan ICSR terhadap reputasi. Pendekatan kuantitatif dengan metode PLS SEM digunakan untuk menguji hipotesis. 10 bank syariah di Indonesia pada periode 2014-2019 dijadikan sebagai sampel. Hasil estimasi menunjukan bahwa pengungkapan ICSR berpengaruh positif baik terhadap reputasi maupun profitabilitas. Visibilitas bank syariah juga terbukti memoderasi pengaruh pengungkapan ICSR terhadap reputasi bank. Meskipun demikian, Reputasi tidak terbukti memediasi pengaruh ICSR terhadap profitabilitas bank syariah. Implikasi dari hasil penelitian ini adala pentingnya pengungkapan ICSR bagi bank syariah karena dapat mempengaruhi reputasi dan profitabilitas perusahaan. Meskipun reputasi sendiri tidak terbukti memberikan pengaruh terhadap profitabilitas, reputasi dapat menjadi sumber daya strategis bagi bank. Selain itu, bagi bank syariah dengan visibilitas tinggi, pengungkapan ICSR menjadi sangat penting karena dampaknya yang lebih besar yang terbukti dapat memperkuat hubungan pengungkapan ICSR terhadap reputasi.Kata Kunci: Pengungkapan Islamic Corporate Social Responsibility, Variabel Mediasi, Variabel Moderasi, Profitabilitas, Bank Syariah. ABSTRACTICSR disclosure becomes an important issue that could effect reputation and profitability of Islamic Bank. a lot of empirical research on the effect of ICSR disclosure to profitability indicates an inconsistent result. Misspecification of the research model and the ICSR strategy could be the cause of it. The study aims to examine the impact of ICSR disclosure to profitability by considering reputation as a mediating variable and visibility as a variable that moderates the effect of ICSR disclosure on reputation. Quantitative approach with PLS SEM method is applied to confirm the hypothesis. 10 Indonesian Islamic Banks on 2014-2019 period are take as a sample. The estimation results show that ICSR disclosure has positive effect on reputation and profitability. It also indicates that Islamic bank visibility moderates the correlation between ICSR disclosure and reputation. However, Islamic bank reputation isn’t proven to mediate the correlation between ICSR disclosure and the profitability. The implication of the study result is that ICSR disclosure is important for the Islamic banks because it can affect its reputation and profitability. Although reputation itself is not proven to affect profitability, it can be a strategic resource for a bank. In addition, for high-visibility Islamic banks, disclosure of ICSR is crutial because of its greater impact that is proven to affect the relationship of ICSR disclosure to reputation.Keywords: Islamic Corporate Social Responsibility Disclosure, Mediating Variable, Moderating Variable, Profitability, Islamic Bank.

scholarly journals Faktor Pendorong Respon Komunitas Pondok Pesantren Madura Terhadap Bank Syariah

2019 ◽  
Vol 5 (01) ◽  
pp. 66
Author(s):  
Iskandar Iskandar
Keyword(s):  
Data Collection ◽  
Boarding School ◽  
Boarding Schools ◽  
School Community ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Community Responses ◽  
Interview Method ◽  
Islamic Bank ◽  
The Relationship

Abstract: This study aimed to determine how the community of Islamic boarding schools responds to Islamic banks and what factors that were drived the response of the boarding school community to Islamic banks.The procedure of data collection in this study was obtained using the interview method, and supported by documentation and observation, and then the data was analyzed to obtain conclusions and verification. The results of this study explained that there were two groups of Islamic boarding school community responses to Islamic banks. first, the community is responsive to Islamic banks, and second, the community is less responsive to Islamic banks. the factors of islamic boarding school community to Islamic banks include: the community's view of bank interest law, the policy of head master of the Islamic boarding school, the introduction and dissemination of Islamic banking, access to Islamic banks, and the relationship between the values ​​of Islamic boarding schools. Keywords: Response, Islamic Boarding School Community, Islamic Bank Abstrak: Penelitian ini bertujuan untuk mengetahui bagaimana respon komunitas pondok pesantren terhadap bank syariah dan faktor pendorong respons komunitas pondok pesantren terhadap bank syariah. Prosedur pengumpulan data dalam penelitian ini diperoleh dengan menggunakan metode wawancara, dan didukung oleh dokumentasi dan observasi, kemudian data dianalisa untuk diperoleh kesimpulan dan verifikasi. Hasil penelitian menjelaskan bahwa terdapat dua kelompok respon komunitas pondok pesantren terhadap bank syariah. Yaitu: komunitas responsif terhadap bank syariah dan komunitas kurang responsif terhadap bank syariah. Sedangkan faktor pendorong respon komunitas pondok pesantren terhadap bank syariah antaralain: pandangan komunitas terhadap hukum bunga bank, kebijakan kiyai pimpinan pondok pesantren, pengenalan dan sosialisasi tentang perbankan syariah, akses terhadap bank syariah, keterkaitan antara nilai-nilai pondok pesantren dengan bank syariah. Kata kunci: Respon, Komunitas Pondok pesantren, Bank syariah

scholarly journals Financing Diversification and Profitability of Islamic Banking in Indonesia

2021 ◽  
Vol 21 (02) ◽  
Author(s):  
Iin Emy Prastiwi ◽  
Anik Anik
Keyword(s):  
Series Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Regression Analyses ◽  
Economic Sectors ◽  
Times Series ◽  
Islamic Bank ◽  
Business Units ◽  
Bank Financing ◽  
The Times

This study aims to determine the effect of Islamic bank financing diversification based on economic sectors and based on the type of use on profitability. This study uses financing data for Islamic Banks and Islamic Business Units in 2014-2018. The data in this study are the times series data. Data analyzed by used multiple linear regression analyses. This research provides that results that the HHI of diversification of Islamic bank financing based on the economic sector is positively related to increasing the profitability of Islamic banks. It means diversification of financing based on high economic sectors, has an impact on reducing the profitability of Islamic banks in Indonesia. While the HHI of diversification of financing by type of use give a significant influence in increasing the profitability of Islamic banks in a negative direction. If Islamic banking only focuses on channeling financing to the consumption sector, it can have an impact on decreasing profitability. So that Islamic banking needs to equalize the distribution of consumption to the working capital and investment sectors. The results of this study are interesting because it can be used as a reference for Islamic banking in determining the policy of diversification of financing to obtain high profitability with low risk.

scholarly journals Modes of Islamic financing and aggregate economic output: evidence from Islamic banking industry of Pakistan

2021 ◽  
Vol 190 (5-6(2)) ◽  
pp. 109-118
Author(s):  
Adil Saleem ◽  
◽  
Judit Sági ◽  
Judit Bárczi ◽  
◽  
...  
Keyword(s):  
Industrial Production ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Economic Output ◽  
Long Run ◽  
Conventional Banks ◽  
Asset Quality ◽  
Relationship Of ◽  
The Impact ◽  
The Relationship

With the evolution of Islamic banking, the economic impact of Islamic finance has been studied by many authors. Islamic banks significantly differ from conventional banks in terms of underlying contracts. The asset side of Islamic banks is composed of different modes of financing, which can be categorized at participatory and non-participatory modes of financing. This study aims to examine the relationship of modes of Islamic financing in connection to the real economic output of Pakistan. Using quarterly data from 2005 to 2019, we use autoregressive distributive lag (ARDL) model to analyze the impact of modes of Islamic financing and industrial output. Our findings reveal that non-participatory modes of Islamic financing play a significant role in deriving a healthy aggregate economic output. Therefore, Industrial production found to have a significant positive long run relationship with non-participatory Islamic financing. However, financing modes based on partnership does not have significant impact on total industrial production. The results also show that poor asset quality hinders the production process in the long run and decreases the economic outcome.

scholarly journals FAKTOR –FAKTOR YANG MEMPENGARUHI NIAT PADA PERILAKU NASABAH MENABUNG DI PERBANKAN SYARIAH DENGAN AGAMA SEBAGAI VARIABEL KONTROL

2017 ◽  
Vol 5 (2) ◽  
pp. 101
Author(s):  
Aglis Andhita Hatmawan ◽  
Any Widiasmara
Keyword(s):  
Data Collection ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Muslim Community ◽  
Islamic Bank ◽  
Saving Behavior ◽  
The Relationship ◽  
Pls Method

<em>This study aims to determine the factors that influence the saving behavior of muslim community to use the Islamic banking in Madiun. Data collection was done by distributing questionnaires. A total of 360 questionnaires were distributed and the total of 320 questionnaires were returned Analyses were performed with PLS method. The results analyzes showed that attitude, Perceived bihavior control and subyek norm shows a influence is significant on intention. as well as the variables religiosity are taken as moderation couldn’t explain the relationship between and intention on saving behavior in Islamic banks. The study has implications for Islamic bank that can appropriately target the customers using islamic bank selection determinants that are valued by the customers. This paper is one of the few that has used a quanlitative approach to study saving behavior for Islamic banking. Furthermore, the paper employs this methodology in the context of madiun city, which enriches the studies done in this context and area.</em>

Faktor-Faktor Yang Mempengaruhi Persepsi Dan Pemahaman Tentang Produk Pembiayaan Syariah Pada Karyawan Perbankan Syariah Di Indonesia

Liquidity ◽  
2017 ◽  
Vol 6 (1) ◽  
pp. 12-18
Author(s):  
Masriyanda Masriyanda
Keyword(s):  
Quantitative Data ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Basic Principles ◽  
Statistical Software ◽  
Islamic Bank ◽  
Bank Financing ◽  
And Training

Research in this paper attempts to examine the influence of knowledge about Islamic bank product, the basic principles of Islamic banking, training and religiosity to perceptions and understanding of Islamic bank financing products. Research conducted on employees in some Islamic banks in Indonesia, the banks participating in this study were Bank Muammalat Indonesia, Bank BNI Syariah, Bank BTN Syariah, Bank BRI Syariah, Bank BPD DIY sharia and Bank Sulselbar Sharia. Quantitative data were processed using SPSS 20.0 statistical software. using multiple linear regression analysis. The results illustrate that the knowledge of Islamic bank products and training influence the perception and understanding of Islamic bank financing products. While the basic principles of Islamic banking and religiosity have no influence on perception and understanding of Islamic bank financing products.

ALTERNATIF PERHITUNGAN RETURN SHAHIBUL MAL PADA SKEMA MUDHARABAH BANK SYARIAH

2020 ◽  
Vol 3 (2) ◽  
Author(s):  
Refky Fielnanda
Keyword(s):  
Rapid Development ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Theoretical Level ◽  
Method Of Calculation ◽  
Islamic Bank ◽  
Representative Office ◽  
Operational Practices ◽  
Computerized System ◽  
Practical Level

Abstract: The rapid development of the number of islamic banks should be balanced with the availability of infrastructure to carry out daily operational practices. The operational tools include hardware as like as representative office, computerized system, reliable human resources and software as like as method, culture and financial and islamic banking knowledge. In terms of development of Islamic finance is the paper "Alternative Calculation of Return Shahibul Mal on Mudharabah Scheme on Bank Syariah" was written. During this calculation of return shahibul mal has not been standardized in a formula, thus causing two serious effects. First, in the theoretical level, the formula has not yet created a difficulty. Secondly, in practical level, the formula is not impressive enough to recalculate the complexity of return calculations obtained by shahibul mall, causing laziness of the community using the services of islamic bank. This paper using mathematical and arithmetic equations with the help of modeling made by the author to refine and improve the method of calculation that has been available. The purpose of this paper is to create a standard formula that facilitates the calculation of return earned by a shahibul mal in a mudaraba scheme in a islamic bank.  

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