scholarly journals IMPLEMENTASI FATWA DEWAN SYARIAH NASIONAL NOMOR. 03/DSN-MUI/IV/2000 TENTANG DEPOSITO (STUDI PADA BANK MUAMALAT INDONESIA CABANG PALU)

2021 ◽  
Vol 1 (2) ◽  
pp. 181-196
Author(s):  
Soimun Rohman ◽  
Ermawati ◽  
Murniati Ruslan
Keyword(s):  
Islamic Banking ◽  
Time Deposits ◽  
Time Deposit

Sharia banks in conducting business activities must be based on sharia principles. Based on the mandate of Law Number. 21 of 2008 concerning Islamic Banking and BI Regulation Number. 6/24 / PBI / 2004 that the DSN has the duty and authority to stipulate fatwas regarding products and services in the business activities of Banks which carry out business activities based on Sharia principles. To ensure that the deposit products at Bank Muamalat comply with the standards set by the DSN, a research was conducted at Bank Muamalat Indonesia, the Palu branch. Deposit products at the Palu branch of Bank Muamalat Indonesia use the Mudharabah Mutlaqah contract, where BMIs are given freedom in managing customer funds. Then it is reviewed on the rules of the DSN-MUI Fatwa Number. 03 / DSN-MUI / IV / 2000 based on the 6-point provision that must be implemented to achieve sharia principles. In its implementation, the mudharabah time deposit product run by Bank Muamalat Indonesia, Palu branch has met these provisions. so theproduct of mudharabah time deposits or deposits in the Palu branch of Bank Muamalat Indonesia is in accordance with the fatwa.

scholarly journals The Influence Of Operational Cost On The Bank’s Profitability And The Welfare Of Its Clients: A Theoretical Approach

2011 ◽  
Vol 21 (1) ◽  
Author(s):  
Erotokritos Varelas ◽  
Koni Karpeti
Keyword(s):  
Interest Rates ◽  
Theoretical Approach ◽  
Optimal Level ◽  
Operational Cost ◽  
Deposit Rate ◽  
Time Deposits ◽  
Time Deposit ◽  
Lending Rate ◽  
The Way

This paper deals with the way the rate of operational cost, as a proportion of time deposits, affects the optimal level of a monopolistic bank’s profits as well as the utility of its clients. In particular we prove that the optimal level of banking profits is negatively related to the rate of operational cost, while changes of the latter affect negatively the time deposit rate and positively the lending rate. As a result of these changes in interest rates, the utility of both borrowers and depositors is proved diminished.

scholarly journals The Principal of Risk and Profit Sharing in Islamic Banking

2018 ◽  
Vol 3 (2) ◽  
pp. 253-270
Author(s):  
Eka Supriatiningsih
Keyword(s):  
Current Account ◽  
Foreign Currency ◽  
Banking System ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Careful Study ◽  
Time Deposits ◽  
Development Goals ◽  
Conventional Banks ◽  
Operational Constraints

The role of banking that is very strategic in achieving Indonesia's economic development goals recently, requires a careful study of banking concepts that have been operationalized, both conceptually and their applications, so as to create a strong banking system in the era of globalization in the future. The existence of Islamic banks in Indonesia has not been fully accepted, there are still some people who equate with conventional banks. Based on the background of the problem above, which is the identification of the problem in this paper, namely: 1) What is the application of the principle of sharing the results and risks in fundraising activities in Islamic banking? 2) What are the operational constraints faced in implementing profit sharing and risk principles in Islamic Banking?. Based on the discussion above, conclusions can be drawn, as follows: 1) The implementation of fundraising using the profit sharing principle in Islamic Banking is carried out using the principles of Wadiah and Mudharabah. The Wadiah principle uses the Wadiah Current Account using products such as: Singapore BSM Dollar Current Account, BSM Current Account, BSM Currency Current Account, BSM Ouro Current Account, Bank Muamalat Wadiah Deposit Account in Rupiah and Foreign Currency, personal and corporate, and Wadiah Savings Account using products like: Junior Community Savings which is a special savings for students, Simpatik Savings, BSM Dollar Savings. While the mudharabah principle uses the Tabungan Mudharabah contract using products such as: Mudharabah Savings Accounts are Hajj Savings, Investa Scholar Savings, Qurban Savings and Savings Cards and time deposits for mudharabah use products such as: Bank Syariah Mandiri Savings, BSM Foreign Currency Deposits and Mudharabah deposits. In calculating profit sharing only in Mudharabah principles, the wadiah principle is only a bonus given to the bank's willingness. The pattern of calculation for results is to use the principle of profit sharing, which means that the results are calculated from the total income of the fund management and the amount of profit sharing depends on the initial agreement, 2) There are a number of operational constraints faced by Sharia Banking in financing Financing Results such as limited human resources, Islamic Banking management, limited Office Networks, and still weak government regulations on Islamic Banking.

The Effect of the Third Party Fund: Its Distribution and Fluctuation on the BOPO Growth at Commercial Foreign Exchange Banks in Indonesia

2013 ◽  
Vol 5 (1) ◽  
Author(s):  
_ ANGGRAENI
Keyword(s):  
Exchange Rate ◽  
Foreign Exchange ◽  
Secondary Data ◽  
Sampling Technique ◽  
Third Party ◽  
Financial Reports ◽  
Overhead Cost ◽  
Independent Variables ◽  
Time Deposits ◽  
Time Deposit

For comercial banks, funding activities include savings deposits and time deposits. Lending activities also include commercial papers, credits, inter-bank placement, and exchange rate. The study attempted to reveal the effects of such factors on the BOPO growth in commercial foreign exchange banks. It utilized secondary data from bank’s financial reports and exchange rate, during the first quarter 2006 to third quarter of 2011. The study is descriptive and the sampling technique of census was utilized with criteria for total assets. Four state-owned banks meet these criteria: PT. Bank CIMB Niaga Tbk., PT. Bank Danamon Tbk., PT. Pan Indonesia Tbk., and PT. Bank Permata Tbk. The analysis was done by performing mathematical calculations and statistics from various financial ratios that reflect the growth of savings products and their distribution. It shows that the saving deposits, time deposit, commercial papers, credits, inter-bank placement, exchange rate have no effect on Overhead Cost Operation (BOPO). The significance is at 13.5 percent. Among the independent variables, only commercial papers have significant effect on Overhead Cost Operation (BOPO). Commercial papers become the most dominant variable at 7.78 percent; the growth of securities variable contributes most to the growth of Overhead Cost Operation Ratio, especially for private national commercial banks.

scholarly journals Prosedur Pengelolaan Produk Deposito pada PT. BPRS Amanah Bangsa

Owner ◽  
2019 ◽  
Vol 3 (1) ◽  
pp. 154-161
Author(s):  
Calen Calen ◽  
Christopher Agustian ◽  
Asmawati Halilah Damanik ◽  
Arwin Tannuary
Keyword(s):  
Deposit Insurance ◽  
Storage Period ◽  
Banking Services ◽  
Islamic Bank ◽  
Bank Financing ◽  
Time Deposits ◽  
Time Deposit ◽  
Community Facility ◽  
The Government

The Amanah Bangsa Islamic Bank Financing Bank exists and grows as a bank that is able to provide banking services based on sharia principles. As a community facility, BPRS Amanah Bangsa offers a time deposit product or often referred to as Time Deposit. Deposits at BPRS Amanah Bangsa are savings using a mudharabah contract, where the customer is called sahibul maal while the bank is the mudharib. Funds in deposits are guaranteed by the government through the Deposit Insurance Corporation (LPS) with certain conditions. Usually Deposit products have a storage period of 1, 3, 6, or 12 months according to the wishes of the customer. Deposits can also be renewed automatically when they are due until the owner withdraws the deposit. The mudharabah contract application in time deposits products at BPRS Amanah Bangsa is a contract whose management meets the mudharib (bank) responsibilities and the customer is obliged to follow the provisions given by the bank.

scholarly journals THE EFFECT OF FUNDING AND RISK ON FINANCING DECISION Empirical Study of Islamic Banks in Indonesia

INFERENSI ◽  
2016 ◽  
Vol 10 (1) ◽  
pp. 115 ◽  
Author(s):  
Sutrisno Sutrisno
Keyword(s):  
Positive Impact ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Quarterly Data ◽  
Financing Decisions ◽  
Time Deposits ◽  
Financing Risk ◽  
Negative Effect ◽  
Demand Deposits ◽  
Saving Deposit

The purpose of this study was to analyze the effect of funding decisions and risk to financing decisions on Islamic banking in Indonesia. Funding decisions consists of variable wadia demand deposits (GWD), mudaraba saving deposit (TAB), and mudaraba time deposits (DEP). Risk is proxied by capital risk (CAR), liquidity risk (RR and FDR), and financing risk (NPF). While the financing decisions consists of murabaha financing, mudaraba financing, and Musharaka financing. Samples were taken from all Islamic banks operating in Indonesia by 11 Islamic banks, and quarterly data using multiple regression analysis. The results showed that DEP and TAB significant and positive impact on all of financing, while GWD significant and positive impact on murabahafinancing is however negatively affect to mudaraba and musharaka financing. CAR and RR a significant and negative effect on all of financing. NPF non significant effect on all financing decisions, while FDR significant and negative effect on mudaraba and musharaka financing, but no significant effect on murabaha financing

scholarly journals The Impact of ROA, BOPO, and FDR to Indonesian Islamic Bank's Mudharabah Deposit Profit Sharing

ETIKONOMI ◽  
2016 ◽  
Vol 15 (1) ◽  
pp. 19-30
Author(s):  
Laila Mugi Harfiah ◽  
Atiek Sri Purwati ◽  
Permata Ulfah
Keyword(s):  
Sampling Method ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Time Deposits ◽  
Time Deposit ◽  
The Cost ◽  
The Impact ◽  
Positive Effect

This study aims to determine the effect of profitability ratio (ROA) the cost-revenue ratio (BOPO) and financing to deposit ratio (FDR) toward profit sharing of time deposit mudharaba in Islamic banking in Indonesia. This research is a quantitative study using heading the entire population of Islamic banks in Indonesia and the sample was selected using purposive sampling method. Samples were obtained at 7 Islamic banks and research data in the form of quarterly reports Islamic Banks 2011-2014 period. The analysis namely with the used is a multiple linear regression analysis. The results of the data analysis showed that ROA, BOPO and FDR significant positive effect on the level of profit sharing of time deposit mudharaba. Is divided in changes in the rise and fall rate for the time deposits mudharaba can be explained 47.9 percent by ROA, BOPO and FDR, while 52.1 percent can be explained by other variables not examinedDOI: 10.15408/etk.v15i1.3109

Islamic Banking and Economic Growth: A Case of Pakistan

2016 ◽  
Vol 03 ◽  
pp. 29-43
Author(s):  
Rukhsana Kalim ◽  
◽  
Afia Mushtaq ◽  
Noman Arshed ◽  
◽  
...  
Keyword(s):  
Economic Growth ◽  
Islamic Banking

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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