scholarly journals Analisis SWOT Financial Technology (Fintech) Pembiayaan Perbankan Syariah Di Indonesia (Studi Kasus 4 Bank Syariah Di Kota Medan)

2018 ◽  
Vol 1 (1) ◽  
pp. 335
Author(s):  
Ridwan Muchlis
Keyword(s):  
Qualitative Research ◽  
Swot Analysis ◽  
Islamic Banking ◽  
Cyber Crime ◽  
Islamic Banks ◽  
Analysis Method ◽  
Applicative System ◽  
Research Analysis ◽  
Financial Technology ◽  
Internet Network

This study wants to know the development of applications created by Islamic banking in order to be able to utilize FinTech in an effort to accelerate the financing process. This technology is expected to facilitate services to customers in terms of financing products in Islamic banks. The variety of financing products in Islamic banking requires a more applicative system to make it easier for customers to understand, understand, and use these financing products with an application. But the development of this fintech application turned out to have several disadvantages. One of them is the need for an internet network that supports the efficiency of financing activities in Islamic banks and also the existence of cyber crime activities that make the interest of customers to use this application to be reduced. This type of research is qualitative research using the SWOT analysis method on 4 Islamic banks in Medan City. Based on the results of the research analysis, it is suggested that from the outset prepare regulations relating to FinTech financing. The risk can be minimized and customers increase their understanding and knowledge for transaction convenience and security in Islamic banking.

scholarly journals ANALISIS SWOT PERKEMBANGAN PERBANKAN SYARIAHDI INDONESIA

2018 ◽  
Vol 1 (1) ◽  
Author(s):  
Amirus Sodiq
Keyword(s):  
Qualitative Research ◽  
Human Resources ◽  
Legal System ◽  
Swot Analysis ◽  
Secondary Data ◽  
Religious Community ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Technical Problems

<p> This research aims to analyze the development of Islamic banking in Indonesia by SWOT analysis, the research is a qualitative research using secondary data and the result concludes that among the strength of sharia banking is conformity with the principles of sharia, resistant to crisis, has a legal system. While the weaknesses on human resources and technical problems, the opportunity is the increasing awareness of the religious community and knowledge about usury,and the threat is sharia banking can be linked with religious fanaticism and the parties disturbed by the existence of Islamic banks because the source of his income from conventional banking.</p><p>Keywords:SWOT,awareness,fanaticm,islamic banking<br /><br /></p>

scholarly journals Analysis Of Banking Service Financial Technology (Fintech) Risk Management in Islamic Banks (Case Study at Bank Syariah X in Jakarta)

2019 ◽  
Author(s):  
Diana Hasan ◽  
Sunarti .
Keyword(s):  
Risk Management ◽  
Group Discussion ◽  
Operational Risk ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Banking Services ◽  
Banking Service ◽  
Reputation Risk ◽  
And Performance ◽  
Financial Technology

ThisresearchwasconductedatBankSyariahX.PrimarydataobtainedfromInterviews and Focus Group Discussion (FGD), was conducted by inviting several speakers to obtain information and discuss to obtain an explanation of how Financial Technology risk management in Banking services in Islamic Banks. Furthermore, the results of the Risk Management Analysis of Murabahah Financing at Syariah X Bank were found to be the factors that caused the occurrence of financing risks including HR (Human Resources) risk and operational risk. First, Liquidity Risk. Second, operational risk. Third, Legal Risk and Fourth, Reputation Risk. The findings indicate what factors occur and result in Risk in Financial Technology in Banking services and how to evaluate risk management in Syariah X Bank. Bank Syariah X implements several methods of Risk Management based on Bank Indonesia Regulation No. 13/23 / PBI / 2011 concerning the application of Risk Management. With such results, the author recommends that there is a need to prepare regulations relating to FinTech for more modern and safe Islamic banking services so that risks can be minimized and customers increase their understanding and knowledge for the convenience and security of transactions in Islamic banking. Furthermore, more rigorous and good steps need to be taken to manage risk-related problems in an effort to maintain the performance and performance of Islamic banks in maintaining their professionalism and improving their quality to be superior to other banks.

scholarly journals Pengaruh masa kerja, spesialisasi audit dan komite audit terhadap kualitas audit (studi kasus pada perbankan syariah di indonesia)

2020 ◽  
Vol 3 (2) ◽  
pp. 147
Author(s):  
Rizka Fitriani
Keyword(s):  
Regression Analysis ◽  
Audit Committee ◽  
Audit Quality ◽  
Sampling Technique ◽  
Financial Statements ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Analysis Method ◽  
Purposive Sampling ◽  
Bank Employees

<p>The rise of fictitious financing carried out by unscruplous bank employees makes people doubt the truth of the contents of financial statements issued by banks. This can be bad for Islamic Banks in Indonesia that are developing rapidly. To prevent this from happening again and again, Islamic Banks can conduct periodic audits to anticipate fraud at Islamic Banks.<br /> This research aims to determine the effect of tenure, audit specialization and audit committee on audit quality both simultaneously and partially. The population in this research is all Islamic Banking in Indonesia amounting to 14 banks. While the sampling technique used was purposive sampling in the category of Islamic Banking which issued financial statements from 2014 – 2018 which produced 13 samples of Islamic Banks. This study uses multiple linier regression analysis method using IBM SPSS Statistics 24. From this research it can be concluded that simultaneously the variables of tenure, audit specialization and audit committee have a significant effect on audit quality. But only affect around 29,5%. partially, only audit committee has a significant effect on audit quality. While audit soecialization is removed as an indicator of audit quality because it is considered constant.</p>

Is Wa’dan any different to Muwa’adah? Empirical evidence from Malaysia

2015 ◽  
Vol 8 (3) ◽  
pp. 310-328 ◽  
Author(s):  
Md. Faruk Abdullah ◽  
Asmak Ab Rahman
Keyword(s):  
Design Methodology ◽  
Document Analysis ◽  
Commercial Banking ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Analysis Method ◽  
Structured Interviews ◽  
Content Type ◽  
Different Types ◽  
Innovative Tool

Purpose – The study aims to consider wa’dan-based products in Islamic banks in Malaysia and discuss the validity of wa’dan in those products from the perspective of Shari’ah. Design/methodology/approach – Case studies were conducted of three Islamic banks in Malaysia. Semi-structured interviews were carried out with bankers as well as Shari’ah scholars. The document analysis method was adopted to strengthen the findings. Findings – The study shows that three Islamic banking products: Musyarakah Mutanaqisah (MM) home and property financing; Al-Ijarah Thumma Al-Bai’ (AITAB) vehicle financing; and Ijarah rental swap (IRS) use wa’dan in their product structures. After discussing the different views of the scholars, the study concludes that wa’dan should be allowed in the above-mentioned products because it is different from muwa’adah. In wa’dan, every single wa’d is separate from each other, as every one of them is related to different types of events. With regard to the issue of Shari’ah in MM home and property financing, it was concluded that wa’d from the customer to purchase the bank’s share is not a capital guarantee. Moreover, IRS is not a form of gambling but is in line with Maqasid al-Shari’ah. Research limitations/implications – The study is limited to three Islamic banks in Malaysia that focus on retail and commercial banking products. Therefore, the study excludes application of wa’dan in sukuk and some other Islamic derivatives that are not the practice of these three banks. Originality/value – This empirical study adds new knowledge by developing the concept and practice of wa’dan. Wa’dan as an innovative tool for product development to overcome Shari’ah issues in conventional banking may be of interest to practitioners all around the world.

scholarly journals Analisis Perbedaan Kinerja Sosial Dengan Indeks Islamic Social Reporting (ISR) pada Perbankan Syariah Yang Ada di Indonesia dan Malaysia

2017 ◽  
Vol 4 (1) ◽  
pp. 62
Author(s):  
Aprilia Dwi Widayati ◽  
Raditya Sukmana
Keyword(s):  
Sampling Method ◽  
Secondary Data ◽  
Social Reporting ◽  
Annual Reports ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Analysis Method ◽  
Content Analysis Method ◽  
The Difference ◽  
Better Than

The purpose of this research is to examine the difference of Islamic Social Reporting (ISR) disclosure level of islamic banking in Indonesia and Malaysia based on ISR index. The samples were selected by purposive sampling method. The samples that is used in this research is five islamic banks in Indonesia and five islamic banks in Malaysia. This research uses secondary data, that is annual report from 2010-2012. Annual reports were analyzed using content analysis method. Furthermore, the differences of ISR disclosure level were tested using independent sample t-test. The results showed that ISR disclosure level of islamic banking in Indonesia is better than ISR disclosure level of islamic banking in Malaysia. Basedon the results of hypothesis testing, found that there are significant differences in the disclosure level between islamic banking in Indonesia and Malaysia.

scholarly journals Islamic Banking Products, Services and Objectives: Perspectives of Shariah Supervisors and Regulators

2021 ◽  
Vol 10 (1) ◽  
pp. 247-258
Author(s):  
MUHAMMAD AQIB ALI ◽  
TALAT HUSSAIN
Keyword(s):  
Qualitative Research ◽  
Banking Sector ◽  
The State ◽  
Islamic Banking ◽  
Research Approach ◽  
Islamic Banks ◽  
Structured Interviews ◽  
Staff Members ◽  
Qualitative Research Design ◽  
Supervisory Boards

The study is aimed at assessing the opinions of vital Islamic banking stakeholders including members of various Islamic banking Shariah Supervisory Boards (SSBs) and pertinent personnel from Pakistan’s central bank – The State Bank of Pakistan (SBP). The research analyzes the percepts of respondents regarding various aspects relevant to Islamic banking (IB) products, service and objectives. The paper employs qualitative research approach in analyzing the Shariah and regulatory experts’ viewpoints regarding Islamic banking. The study is conducted using semi-structured interviews of twelve Shariah supervisors and nine SBP staff members serving in the Islamic banking department and Islamic banking focus groups in the regional/field offices of the State Bank of Pakistan. The study is of pioneering nature involving qualitative research design and inclusion of two of the most significant stakeholder groups from the Islamic banking sector of Pakistan who have not been included in the past studies regarding Islamic banking perceptions. The research findings highlighted that Shariah objectives are top priority of Islamic banks as per the views expressed by members of Shariah boards of various banks while in opinion of Islamic banking regulators, Islamic banks’ major concern is to achieve their business objectives. Keywords: Islamic Banking, Islamic Finance, Pakistan, Products, Perceptions, Shariah Compliance.

scholarly journals MANAJEMEN STRATEGI ANALISIS SWOT DALAM MENGHADAPI PERSAINGAN BISNIS PADA BMT NU PUSAT GAPURA SUMENEP

2021 ◽  
Vol 2 (1) ◽  
pp. 94-111
Author(s):  
Misbahuddin
Keyword(s):  
Qualitative Research ◽  
Data Collection ◽  
Research Methods ◽  
Swot Analysis ◽  
Qualitative Research Methods ◽  
Basic Method ◽  
Analysis Method ◽  
Short Term ◽  
A Company

SWOT analysis is a form of analysis within company management or within organizations that can systematically assist in the preparation of a mature plan to achieve goals, both short-term and long-term goals. This analysis must be applied by a company. The purpose and benefits of a SWOT analysis are to combine four factors or compositions accurately on how to strangth, weaknes, opportunities and threath. The SWOT analysis method can be considered as the most basic method of analysis, which is useful for looking at a topic or a problem.To facilitate understanding in this study, researchers used qualitative research methods. The data obtained by researchers in the field include interviews with leaders of BMT NU Pusat Gapura Sumenep to find out strategies to face business competition. In addition, the data collection techniques were carried out by researchers by means of interviews, observation and documentation. In this study also, the presence of researchers is very important because researchers are human instruments as well as data collectors

scholarly journals AKUNTABILITAS DAN KAPABILITAS BANK SYARIAH (STUDI PADA BANK SYARIAH “X” CABANG MALANG)

2013 ◽  
Vol 2 (1) ◽  
Author(s):  
Ahmad Fahrudin A
Keyword(s):  
Qualitative Research ◽  
Case Study Research ◽  
Business Development ◽  
Economic Life ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Study Research ◽  
Business Support

<p>The dynamics of development of Islamic banking in the working area KBI Malang is encouraging its development in which the Islamic banks NPL rate tends to increase significantly. In this institution within a period of nearly two years alone have been able to make an investment of about 13 M. with clients (depositors) of about 1300 people and 250 customers (users). This is the kind of qualitative research that uses a case study, the approach aims to maintain the integrity of the object and also with verifikatif approach. Verifikatif approach is intended to minimize the possibility of low reliability is often the case in case study research, in order to explain: first: accountability factors in the management of Islamic banks and funds processing, collection and utilization of capital funds, second: factors capabilities of Islamic banks in improving the quality and quantity of social and economic life of society. The results showed that: Factors that support the assessment of accountability in the management of Islamic banks and funds processing, collection and utilization of capital funds is reviewed from the aspect of increased cash liquidity ratio of 15.06% in 2005 rose to 18.12% in 2006 so it has good title, while LDR 44.12%, still well in the predicate. ROA profitability aspects seem to have decreased between 2005 to 2006, where in 2005 while the ROA of 1.99% in 2006 to 0.77%, to BOPO increase from the year 2005 amounted to 84.75% in 2006 amounting to 95.01%, for capital aspects of healthy and performing said, because the CAR above 10% which in 2005 grew 16.94% to 19.07%. Factors that support the capability of Islamic banks in improving the quality and quantity of social and economic life of society is: cooperation financing, business development and service cooperation, and cooperation through SME business support reached 42% this year.</p> <p> </p> <p> </p>

scholarly journals RESPON PEGAWAI IAIN PAREPARE TERHADAP PRODUK PEMBIAYAAN BANK SYARIAH

2019 ◽  
Vol 1 (1) ◽  
pp. 69-92
Author(s):  
Fadhliyah Ulfah Rustan ◽  
Sitti Jamilah Amin ◽  
Syahriyah Semaun
Keyword(s):  
Qualitative Research ◽  
Research Methods ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Financing System ◽  
Islamic Bank ◽  
System 2 ◽  
Loan System ◽  
Analyze Data

Response is interpreted as a response, reaction and answer. A response will appear from receiving the message after a series of communications. Financing is one of the bank's main tasks, namely the provision of funds provision facilities to meet the needs of the parties which constitute a unit deficit. Employee response is used in this case to find out how much employees respond well or are interested in financing Islamic banks. This research is descriptive qualitative using a phenomenology approach. Therefore, the authors chose to use qualitative research methods to determine how to search, collect, manage, analyze data from research results and draw conclusions.The results of the study show that: 1) The financing system on Islamic bank products uses four different patterns or systems, namely: profit sharing system, buying and selling system, rental system, loan system. 2) Facilities provided by Islamic banks in the form of providing funds to meet the needs of parties with a profit sharing system. 3) Respondents' responses indicate that most respondents gave positive responses. This condition gives the impression that the employee's response to Islamic banking is perceived positively by respondents. Of the various types of products in Islamic banks, only the savings that are most sought after by sharia bank customers and their reasons for choosing these products because of sharia-compliant, lawful and safe Islamic bank products.

scholarly journals ISLAMIC FINANCIAL TECHNOLOGY TOWARDS THE ADVANCEMENT OF ISLAMIC BANKING IN INDONESIA

2019 ◽  
Vol 4 (2) ◽  
pp. 171
Author(s):  
Andi Zulfikar Darussalam ◽  
Bambang Tutuko ◽  
Ahmad Dahlan ◽  
Ahmad Hudaifah ◽  
Andi Darussalam Tajang
Keyword(s):  
Industrial Revolution ◽  
Swot Analysis ◽  
Islamic Banking ◽  
Banking Services ◽  
Global Context ◽  
Significant Achievement ◽  
Management Functions ◽  
Technology Policies ◽  
Financial Technology

Responding to the digital economy in the era of industrial revolution 4.0, the quality of sharia banking services in Indonesia is estimated and expected to increase significantly, in order to reach all levels of society, especially for people who live in the 3T area (terdepan/frontier, terluar/outermost, and terpencil/isolated). However, currently the quality of sharia banking services in Indonesia is not yet satisfactory, especially by people living in the 3T area. this research, trying to answer the challenge through a SWOT analysis of the application of financial technology policies in Islamic banks, with the hope of the quality of Islamic banking services can be improved and felt by all levels of Indonesian society and banking players can quickly understand and act. The management of Islamic banking management functions appropriately is based on an attitude of fear of Allah SWT, in the context of managing internal and external assets that include banking activities in a holistic manner. Thus, this study aims to analyze more deeply the strengths, weaknesses, opportunities, and threats (SWOT) of the application of Islamic banking financial technology (mobile banking) in Indonesia, the results showed a significant achievement compared to the previous year, even though in the global context, there were still many breakthroughs needed so that the 3T community could utilize optimal Islamic banking services

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