scholarly journals RISK ANALYSIS OF ISLAMIC BANKING FINANCING BUSINESS IN INDONESIA 2014-2018

2019 ◽  
Vol 17 (2) ◽  
pp. 131
Author(s):  
Herlan Firmansyah ◽  
Mohamad Anton Athoillah
Keyword(s):  
Secondary Data ◽  
Market Risk ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Investment Risk ◽  
Strategic Risk ◽  
Reputation Risk ◽  
Yield Risk ◽  
Financing Risk ◽  
Investment Portfolios

The purpose of this article is to analyze business risk in Islamic banking financing in Indonesia. The method used in this study is a qualitative research method with a descriptive approach. The data used in this study are secondary data sourced from Sharia Banking Statistics (SBS). The conclusions of this article are ten business risks that must be managed by Islamic banks in carrying out their functions, namely financing risk, market risk, liquidity risk, operational risk, legal risk, reputation risk, strategic risk, compliance risk, yield risk, yield risk, and investment risk. Four business risks affect the profitability of Sharia Commercial Banks (BUS) in Indonesia, namely financing risk as measured by NPF, the rupiah exchange rate measures market risk against the USD and inflation, return NCD measures risk on total deposits and investment risk measured by the percentage potential loss profit-sharing financing for mudharabah and musyarakah investment portfolios.

ANALISIS RISIKO AKAD MURABAHAH DI PERBANKAN SYARIAH

INFO ARTHA ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 67-74
Author(s):  
Masruri Muchtar
Keyword(s):  
Financial Services ◽  
Investment Risk ◽  
Islamic Banks ◽  
Literature Study ◽  
Legal Risk ◽  
Strategic Risk ◽  
Risk Return ◽  
Reputation Risk ◽  
Financing Risk ◽  
Almost All

Every financing funded by Islamic banks always contains a risk, including murabahah contracts. The risks faced by Islamic banks are very diverse and multifaceted in line with innovations in the financial and banking products offered. This study is to conduct a critical analysis of the practice of murabahah contracts that have been carried out by almost all Islamic banks in Indonesia. The analysis is carried out with reference to ten categories of risk regulated in the Financial Services Authority (OJK) Regulation number 65/POJK.03/2016. This study uses a qualitative approach in the form of a literature study to describe the problem identified. The results show that financing with a murabahah contract takes various risks, namely: financing risk, market risk, liquidity risk, operational risk, legal risk, reputation risk, strategic risk, compliance risk, return risk, and investment risk. The implication is that Islamic banks shall give attention to all those risks that have been identified by preparing mitigation efforts

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 Urgensi Manajemen Pengawasan Risiko Bank Syariah

PALAPA ◽  
2016 ◽  
Vol 4 (2) ◽  
pp. 85-103
Author(s):  
Rusdan Rusdan
Keyword(s):  
Liquidity Risk ◽  
Operational Risk ◽  
Market Risk ◽  
Legal Risk ◽  
Strategic Risk ◽  
Reputation Risk ◽  
Financing Risk

Perbankan, tak terkecuali Bank Syariah, memiliki posisi strategis sebagai lembaga intermediasi dan penunjang sistem pembayaran. Sebagai lembaga intermediasi, perbankan dapat memberikan kemudahan untuk mengalirkan dana dari pihak yang memiliki kelebihan dana (savers) dengan kedudukan sebagai penabung ke pihak yang memerlukan dana (borrowers) untuk berbagai kepentingan. Selain itu, bank juga sebagai agent of development, yang dapat mendorong kemajuan pembangunan melalui fasilitas kredit dan kemudahan-kemudahan pembayaran dan penarikan dalam proses transaksi yang dilakukan para pelaku ekonomi. Dalam melakukan fungsinya tersebut, sektor perbankan memiliki eksposur terhadap berbagai macam risiko. Untuk dapat menjalankan fungsinya dengan baik, sektor perbankan dituntut untuk mampu secara efektif mengelola risiko-risiko yang dihadapinya agar dapat memelihara kesinambungan proses bisnisnya sehingga proses intermediasi keuangan dalam perekonomian dapat berkelanjutan dan berjalan dengan efisien. Ada beberapa macam risiko yang perlu diidentifikasi, diukur, dipantau, dan dikendalikan oleh perbankan syariah dalam menjalankan kegiatan usahanya meliputi: risiko pembiayaan (financing risk), risiko pasar (market risk), risiko likuiditas (liquidity risk), risiko operasional (operational risk), risiko hukum (legal risk), risiko reputasi (reputation risk), risiko strategis (strategic risk), risiko kepatuhan (compliance risk) dan sebagainya.

scholarly journals Analisis implementasi dan risiko pembiayaan perumahan dengan akad Murabahah dan musyarakah mutanaqisah

El Dinar ◽  
2018 ◽  
Vol 4 (1) ◽  
pp. 76
Author(s):  
Nurul Pitriani Pitriani
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Liquidity Risk ◽  
Secondary Data ◽  
Primary Data ◽  
Qualitative Research Method ◽  
Strategic Risk ◽  
Reputation Risk ◽  
Financing Risk ◽  
Management Of Risk

The aim of this study is to know whether or not the implementation of contract of murabahah and musyarakah mutanaqisah is appropriate to literatures and fatwa dewan syariah Nasional about murabahah and musyarakah mutanaqisah. Qualitative research method is employed in this study. Both primary and scondary data are used in this research. Primary data is obtained by interviewing the unit of marketing of bank muamalat surabaya. Secondary data is obtained by studying the literatures and browsing on the official website of bank muamalat. The result of this study shows that the implementation of the contract of murabahah and musyarakah mutanaqisah is appropriate to fatwa Dewan Syariah Nasional No:73/DSN-MUI/XI/2008 about musyarakah mutanaqisah and Fatwa Dewan Syariah Nasional No:04/DSN-MUI/IV/2000 about Murabahah. Inexpediency of the contract of muabahah can be seen on determining the advance which is not based on the agreement between bank and client. The decision of the amount of the advance is based on bank’s policy. The acceptance of submission of financing application is based on client’s ability to pay the loan; it is obtained by accounting 35-40% of take home pay.concerning on the rate margin, of the contract of musyarakah mutanaqisah is 12.5% which is revised by ALCO (Asset and Liabilities Commitee) for every 1-2 year. The contract of murabahah, however, has three degrees of rate margin; 11.5% for 1-5 years, 15.5% for 6-10 years, and 16.5% for 11-15 years. Risk encountered by bank muamalat are financing risk, market risk, liquidity risk, operational risk, pursuance risk, strategic risk, reputation risk and law risk. The management of risk is done by the division of management of risk having its four department

scholarly journals Breach of contract: an Indonesian experience in akad credit of sharia banking

2019 ◽  
Vol 19 (1) ◽  
pp. 89-102
Author(s):  
Ayup Suran Ningsih ◽  
Hari Sutra Disemadi
Keyword(s):  
Secondary Data ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Legal Research ◽  
Breach Of Contract ◽  
Community Needs ◽  
Banking Credit

This research aims to determine and analyze the implementation of the concept of profit-sharing in Islamic banking credit agreements based on regulations in force in Indonesia and also to find out and analyze defaults undertaken by customers in Islamic banking credit agreements. The method used in this research is normative juridical, which is a method that puts forward secondary data in the form of primary, secondary and tertiary legal materials. The secondary data in question such as Law Number 21 of 2008 concerning Sharia Banking, related books, and legal research journals. This research is based on the high community needs for capital to achieve the objectives of a business into a separate phenomenon. The concept of muamalah on the teachings of Islam that Muslims want to adhere to is one of the reasons for the birth of the concept of Islamic banking in Indonesia. The concept of profit sharing is one of the concepts known in Islamic banking. The risk of breach of contract by the customer is a necessity.

scholarly journals The Influence of Internal and External Factors on NPF And NPL

2021 ◽  
Vol 6 (1) ◽  
pp. 37
Author(s):  
Wahyu Prastowo ◽  
Hardius Usman
Keyword(s):  
Standard Error ◽  
Estimation Method ◽  
Secondary Data ◽  
Islamic Banking ◽  
Cross Sectional ◽  
Significance Level ◽  
Financing Risk ◽  
External Conditions ◽  
Standard Error Estimation ◽  
Internal And External Factors

<p><em>Indonesia has two types of bank, islamic banking and conventional banking. In their activities, banks are often facing any risks, named financing risk (NPF) in the islamic banking and credit risk (NPL) in the conventional banking. Based on data by OJK, the value of NPF is always higher than NPL. However, in January-August 2020 the NPF tended to decrease while the NPL tended to increase, even indicating a movement that would excited the NPF value. Therefore, it's necessary to the research of the factors that influence both NPF and NPL, including the internal and external conditions of the bank. The data that used as reference is the secondary data from OJK of 10 both islamic and conventional commercial banks from the first quarter of 2019 to the third quarter of 2020. Furthermore, the data is analyzed with panel model fixed effect data analysis with the robust standard error estimation method and panels corrected standard error (PCSE cross-sectional SUR). By using 5% of significance level, this research results that NPF is only significantly and positively influenced by FDR. However, NPL is significantly and negatively affected by the inflation and ROA, also significantly and positively influenced by CAR, LDR, and BOPO.</em></p>

scholarly journals Determinasi Pembiayaan Murabahah Berbasis Analisis Resiko Pada Bank Umum Syariah di Indonesia

2020 ◽  
Vol 7 (01) ◽  
pp. 43-52
Author(s):  
Laely Aghe Africa
Keyword(s):  
Credit Risk ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Liquidity Risk ◽  
Secondary Data ◽  
Operational Risk ◽  
Multiple Linear Regression Analysis ◽  
Profit Sharing ◽  
Jel Classification ◽  
Financing Risk

ABSTRACT       Majority of people in Indonesia prefer Murabahah financing to other types of loans in Indonesia Sharia Banks. Murabahah financing must also be influenced by a number of factors in the banking industry. This research aimed to analyze whether the following factors such us credit risk, liquidity risk and operational risk can influence Murabahah Financing.Credit risk is proxied by CKPN (Allowance For Impairment Losses Of Credits), NPF (Non Performing Financing), Risk Concentration of Funds Distribution to Core Debtors. Liquidity risk is proxy by FDR (Financing to Depoit Ratio) and profit sharing financing to total financing, Operational risk is proxied by BOPO (Operating Expense To Operating Revenue). This study uses secondary data from the Indonesia Stock Exchange for the period 2009-2018. Data analysis technique used in this study is multiple linear regression analysis techniques using SPSS 23. The result of the study are that credit risk and liquidity risk affect to Murabahah Financing. Beside that, it has implication for Islamic banking companies can minimize the risks that exist in company so that Murabahah financing continues to  demand the customer. ABSTRAK       Mayoritas masyarakat di Indonesia lebih memilih jenis peminjaman Murabahah daripada jenis pinjaman lainnya pada Bank Syariah di Indonesia. Pembiayaan murabahah juga pastinya dipengaruhi oleh beberapa faktor pada industri perbankan. Penelitian ini bertujuan  untuk menganalisa beberapa faktor yang dapat mempengaruhi pembiayaan murabahah berdasarkan beberapa rasio risiko antara lain risiko kredit, risiko likuiditas dan risiko operasional, dimana untuk risiko kredit diproksikan dengan rasio Cadangan Kerugian Penurunan Nilai (CKPN), Non Performing Financing (NPF), Konsentrasi Risiko Penyaluran Dana Kepada Debitur Inti. Risiko Likuiditas diproksikan dengan rasio Financing to Depoit Ratio (FDR) dan pembiayaan bagi hasil terhadap total pembiayaan, Sedangkan risiko Operasional diproksikan oleh rasio Biaya Operasional Pendapatan Operasional (BOPO). Penelitian ini menggunakan data sekunder dari Bursa Efek Indonesia (BEI) periode 2009-2018. Teknik analisis data yang digunakan pada penelitian ini ialah teknik analisis regresi linear berganda dengan menggunakan SPSS 23. Hasil dari penelitian adalah bahwa risiko kredit dan risiko likuiditas berpengaruh terhadap pembiayaan murabahah. Disamping itu Implikasi untuk perusahaan perbankan syariah dapat lebih meminimalisasikan risiko-risiko yang ada diperusahaan agar pembiayaan Murabahah sesuai dengan permintaan nasabah. JEL Classification: G32, G21

scholarly journals The Effect of Islamic Financing Schemes on Risk and Financing Performance in Islamic Banks in Indonesia

2021 ◽  
Vol 10 (1) ◽  
pp. 17
Author(s):  
Ahmad Roziq ◽  
Hari Sukarno
Keyword(s):  
Quantitative Research ◽  
Secondary Data ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Financial Reports ◽  
Islamic Bank ◽  
Inner Model ◽  
Financing Risk ◽  
Financing Performance ◽  
Financing Schemes

The purpose of this study is to prove the effect of the financing scheme on financing risk and financing performance in Islamic banks in Indonesia. This research applies a form of quantitative research with the type of explanatory research that aims to accept or reject hypotheses. The population in this study are Islamic banks in Indonesia. The data used in the study are secondary data in the form of financial ratios sourced from Islamic bank financial reports for 2015 to 2019. Data analysis techniques use partial least squares which are used to test the inner model and outer model. The results of the study found that the sharia financing scheme that uses the buying and selling system and the profit sharing system has a significant effect on the risk of financing. However, the sharia financing scheme that uses the lease system has no significant effect on financing risk. The results also found that financing risk has a significant effect on the performance of Islamic bank financing in Indonesia. The results showed that the management of Islamic banks must be able to manage buying and selling financing and profit-sharing and profit-sharing financing schemes carefully and minimizing the risk of financing.

scholarly journals THE DETERMINANT OF MUDHARABAH DEPOSIT SHARING PROFIT IN INDONESIAN ISLAMIC BANKING

2021 ◽  
Vol 3 (6) ◽  
pp. 37-50
Author(s):  
Vika Annisa Qurrata ◽  
Ermita Yusida ◽  
Linda Seprillina ◽  
Vidya Purnamasari
Keyword(s):  
Secondary Data ◽  
Profit Sharing ◽  
Third Party ◽  
Public Understanding ◽  
Long Term Results ◽  
Islamic Banking ◽  
For Profit ◽  
Short And Long Term ◽  
High Yields

The potential of Islamic banking in Indonesia is overgrowing along with the increasing public understanding of Islam. In Islamic Banking, various products have been offered to attract the interest of the public. However, the most popular product is savings because it is the safest product for high yields. Mudharabah deposits are fundraising products that provide the largest proportion of total third-party funds. This study aims to compare the results of a comparison between finances represented by the Non-Performing Financing (NPF) and the Return on Investment (ROI) for the profit-sharing in mudharabah deposits. The type of method used in this research is the quantitative descriptive method. The data source is obtained from secondary data sourced from monthly reports issued through all Islamic banks' websites in Indonesia or the official BI website from 2008 to 2017. The results of this study indicate the NPF variable is not following the short and long-term plans for profit sharing of deposits mudharabah. Moreover, the ROI variable has a significant positive effect on the short and long-term results of mudharabah deposits. This research concludes that in the short and long term, NPF is not intended for results. It relates to the bank having a good reserve and analyzing the issues that need to be considered. Meanwhile, ROI is attractive towards revenue sharing because more increase the bank revenue gives the rising impact of income.

scholarly journals Analysis of the Effect of Sharia Compliance and Islamic Corporate Governance on Fraud in Islamic Banks in Indonesia 2017-2019

2022 ◽  
Vol 6 (2) ◽  
pp. 223
Author(s):  
Hidayah Fazrin Milenia ◽  
Silvia Siska Pratiwi ◽  
Ade Wirman Syafei ◽  
Asri Noer Rahmi
Keyword(s):  
Corporate Governance ◽  
Sampling Method ◽  
Accounting Standards ◽  
Secondary Data ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Financial Reports ◽  
Islamic Financial Institutions ◽  
Islamic Investment

This study aims to analyze the factors that influence the occurrence of fraud in Islamic banks in Indonesia. Measurement of fraud in Islamic banks is based on the number of internal frauds that occur in the financial year. The population in this study is Islamic banks in Indonesia for the period 2017-2019. The sample is selected using purposive sampling method and the number of samples obtained is 24 samples. The data used in this study are secondary data in the form of financial reports and corporate governance reports. Data analysis is performed using classical assumption tests and regression analysis. The results of this study indicate that Islamic corporate governance has a significant effect on internal fraud in Islamic banks in Indonesia. Meanwhile, partially the profit sharing ratio and Islamic investment ratio do not have a significant effect on internal fraud in Islamic banks in Indonesia. Islamic banking must comply with accounting standards and Auditing Organizations for Islamic Financial Institutions (AAOIFI) to minimize fraud in operations.

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