Memperkuat Daya Saing Bank Syariah Dengan Meningkatkan Kemampuan Teknologi Informasi

Liquidity ◽  
2018 ◽  
Vol 1 (1) ◽  
pp. 32-41
Author(s):  
Amrizal Amrizal
Keyword(s):  
Information System ◽  
Credit Card ◽  
Banking Industry ◽  
Integrated System ◽  
Integrated Systems ◽  
Islamic Banks ◽  
Electronic Money ◽  
Electronic Transactions ◽  
Excellent Service ◽  
Debit Cards

Banking industry is very tight competition in all aspects. Results review from some literatures: journals and empirical data indicates that the banking industry has been applied information technology in order to provide excellent service to customers in the form of electronic transactions such as ATM, sms banking, e-commerce and so forth. Based on Bank Indonesia reports, the type of electronic transaction has been growing very rapidly between the transaction and Bilyetgiro Elekteronik Checks, ATM, Credit Card, Account Card Based (ATM and Debit Cards), Electronic Money, Delivery Chanel and RTGS. Those above transactions are relating to the Technology Information System and Integrated System. Integrated system is the combination of Hardskill which focus on knowledge and more to the integrity softskill (shidiq, trustworthy, tablig, fathonah). Islamic banks are ready to face competition both nationally and internationally, primarily face competition from the aspect of Integrated Systems. Bank Syariah Mandiri (BSM) developed e-banking features on an ongoing basis, among others

A STUDY ON CUSTOMER’S PERCEPTION TOWARDS DEBIT CARD USERS IN PUBLIC AND PRIVATE SECTOR BANKS AT DHARMAPURI DISTRICT

2018 ◽  
Vol 1 (3) ◽  
pp. 67-73
Author(s):  
Prof. Dr. S.M. Krishnan ◽  
C. Senthilkumar
Keyword(s):  
Credit Card ◽  
Banking Industry ◽  
Public And Private ◽  
Point Of Sale ◽  
Customer Perception ◽  
Debit Card ◽  
Goods And Services ◽  
Online Purchase ◽  
Public And Private Sector ◽  
Debit Cards

Debit card use at the point of sale has grown dramatically in recent years in India and now exceeds the number of credit card transactions.The debit cards are used to withdraw cash from an ATM, purchase of goods and services at Point of Sale, E-commerce online purchase both domestically and internationally.However, it can be used only for domestic fund transfer from one person to another. This paper attempts to study about the customer perception of debit card usages in the banking industry and satisfaction of debit card holders.

Determinants of Islamic Bank Profitability: Evidence from Indonesia

2020 ◽  
Vol 5 (1) ◽  
pp. 1-13
Author(s):  
Puji Sucia Sukmaningrum ◽  
Kashan Pirzada ◽  
Sylva Alif Rusmita ◽  
Fatin Fadhilah Hasib ◽  
Tika Widiastuti ◽  
...  
Keyword(s):  
Interest Rate ◽  
Quality Management ◽  
Banking Industry ◽  
External Factors ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Return On Assets ◽  
Internal Factors ◽  
Bank Profitability ◽  
Islamic Bank

Objective – Islamic Banks have a distinct advantage that is not only conduct a commercial operation, but to also conduct social operations. Therefore, Islamic Banks plays an important role in developing the Indonesian economy. The aim of this study is to investigate the impact of internal and external factors that affect the profitability of Islamic Banks in Indonesia. Methodology/Technique – The methodology of this research is multiple regression. The object of this research is the Islamic banking industry in Indonesia. Internal factors include size, liquidity, asset quality, management, and efficiency ratio. External factors include interest rate and inflation. Return on Assets is used to measure profitability. The monthly data is collected from the financial reports of Islamic Banks between 2011 to 2016. Findings – The findings show that size, liquidity, assets quality, management ratio, interest rate and inflation lead to a greater Return on Assets (profitability) in Islamic Banks in Indonesia. Efficiency however does not have a significant effect on profitability of Islamic Banks in Indonesia. Novelty – Based on the results of this research, it can be concluded that the Islamic banking industry can use those variables to improve the profitability of Islamic banks in the future. In addition, there are two variables that affect the profitability of Islamic banking industry. For the Islamic banking industry should anticipate the movement of inflation and interest to improve the profitability of Islamic banks. Type of Paper: Empirical paper. Keywords: Islamic Banks; Profitability; Internal Factors; External Factors; Indonesia. Reference to this paper should be made as follows: Sukmaningrum, P.S; Pirzada, K; Rusmita, S.A; Hasib, F.F; Widiastuti, T; Hendratmi, A. 2020. Determinants of Islamic Bank Profitability: Evidence from Indonesia, J. Fin. Bank. Review, 5 (1): pp. 01 – 13 https://doi.org/10.35609/jfbr.2020.5.1(1) JEL Classification: G21, G24.

scholarly journals The effectiveness of weed regulation methods in spring wheat cultivated in integrated, conventional and organic crop production systems

2012 ◽  
Vol 52 (4) ◽  
pp. 486-493 ◽  
Author(s):  
Beata Feledyn-Szewczyk
Keyword(s):  
Spring Wheat ◽  
Crop Production ◽  
Dry Matter ◽  
Production Systems ◽  
Integrated System ◽  
Integrated Systems ◽  
Conventional System ◽  
Weed Species ◽  
Organic System ◽  
Weed Communities

Abstract The research was conducted from 2008 to 2010, and compared the influence of different weed control methods used in spring wheat on the structure of the weed communities and the crop yield. The study was carried out at the Experimental Station of the Institute of Soil Science and Plant Cultivation - State Research Institute in Osiny as part of a long-term trial where these crop production systems had been compared since 1994. In the conventional and integrated systems, spring wheat was grown in a pure stand, whereas in the organic system, the wheat was grown with undersown clover and grasses. In the conventional system, herbicides were applied two times in a growing season, but in the integrated system - only once. The effectiveness of weed management was lower in the organic system than in other systems, but the dry matter of weeds did not exceed 60 g/m2. In the integrated system, the average dry matter of weeds in spring wheat was 4 times lower, and in the conventional system 10 times lower than in the organic system. Weed diversity was the largest in spring wheat cultivated in the organic system. In the conventional and integrated systems, compensation of some weed species was observed (Viola arvensis, Fallopia convolvulus, Equisetum arvense). The comparison of weed communities using Sorenson’s indices revealed more of a similarity between systems in terms of number of weed species than in the number of individuals. Such results imply that qualitative changes are slower than quantitative ones. The yield of grain was the biggest in the integrated system (5.5 t/ha of average). It was 35% higher than in the organic system, and 20% higher than in conventional ones.

scholarly journals PLASTIC MONEY: PROSPECTIVE AND CHALLENGES

2020 ◽  
Vol 5 (2) ◽  
pp. 117-125
Author(s):  
Bhawna Mukaria
Keyword(s):  
Developed Countries ◽  
Smart Phones ◽  
Future Prospects ◽  
Electronic Money ◽  
Electronic Payments ◽  
Building Recognition ◽  
Technology Applications ◽  
The Government ◽  
To Come ◽  
Debit Cards

In present era, it is impossible to imagine modern bank transactions, commercial transactions and other payments without using the plastic cards. Plastic currency is now gradually becoming a necessity across the globe as more and more developed countries are opting for plastic compared to paper as there are several inherent advantages. The growing involvement of smart phones has made technology applications much more accessible to users. The Government also move forward for a “Digital India” and its focus on growing electronic payments is significant drivers of growth in replacing physical payments with technologybacked solutions. India is at the stage of an amazing shift towards electronic money from traditional cash. For instance the Pradhan Mantri Jan Dhan Yojana (PMJDY), is slowly building recognition among people to move from paper to electronic money. The PMJDY alone has seeded over 150 million Rupay cards in the last year, in addition to the 400 million debit cards already in circulation. There is still emergence for significant increase in the usage of debit cards in the years to come as card. This paper focus on the challenges and future prospects of plastic money in India.

scholarly journals Uang Elektronik: Praktik dan Substansi Dari Perspektif Keuangan Syariah (Studi Kasus: BCA Flazz & Go-Pay)

2021 ◽  
Vol 4 (2) ◽  
pp. 133-145
Author(s):  
Adi Martono ◽  
Yuddy Yudawirawan
Keyword(s):  
Open Space ◽  
Study Data ◽  
Point Of View ◽  
Islamic Banks ◽  
Muslim Community ◽  
Electronic Money ◽  
Bank Deposits ◽  
The World ◽  
Conventional Banks

The use of electronic money as a transaction tool in everyday life is a necessity, people use the money to pay for various needs such as buying goods in the marketplace, buying food online, KRL train tickets, paying toll tickets and others. On the other hand, the use of electronic money in society raises questions, especially for Muslims. Is electronic money as a medium of exchange in accordance with the Qur'an and As-Sunnah? Several Indonesian Muslim scholars who are concerned about the practice of Muamalah Maaliyah have given their thoughts and opinions on the use of electronic money. This paper is a step in answering this question. This paper will try to provide an explanation why the use of electronic money is not in accordance with the Qur'an and As-Sunnah. This research uses case study – qualitative research as research methodology. For this study, data were collected from documentation: Bank Indonesia regulations, the fatwa of the Sharia Council-Indonesian Ulema Council (DSN-MUI), fatwas of world scholars, instructions for the use of electronic money from banks/issuing companies, participant observations and observations, namely as users of electronic money who also use electronic money. Experienced as a banker in a state-owned bank. Using this method, this research will explore and explain how electronic money is managed and why some Muslims doubt this money. The conclusion of this study is that Bank Indonesia as the regulator and DSN-MUI issued a fatwa and this is in line with the fatwa issued by Majma' al-Fiqh al-Islami under the World Muslim League in its decision No. 86, 3/9 explains that “bank deposits, both in Islamic banks and conventional banks, from the fiqh point of view are debt, having different views on the concept and characteristics of electronic money used in Indonesia. The solution to this problem is that Bank Indonesia as a regulator needs to open space so that electronic money that is in accordance with sharia provisions can be realized so that the interests of the Muslim community are met. Abstrak Penggunaan uang elektronik sebagai alat transaksi dalam kehidupan sehari-hari adalah suatu keniscayaan, masyarakat menggunakan uang tersebut untuk membayar berbagai keperluan seperti membeli barang di marketplace, membeli makanan secara online, tiket kereta api KRL, membayar tiket tol dan lain-lain. Di sisi lain, penggunaan uang elektronik di masyarakat menimbulkan pertanyaan terutama bagi umat Islam. Apakah uang elektronik sebagai alat tukar sesuai dengan Al-Qur'an dan As-Sunnah? Beberapa cendekiawan muslim Indonesia yang concern terhadap praktik Muamalah Maaliyah telah memberikan pemikiran dan pendapatnya tentang penggunaan uang elektronik. Tulisan ini merupakan langkah dalam menjawab pertanyaan tersebut. Tulisan ini akan mencoba memberikan penjelasan mengapa penggunaan uang elektronik tidak sesuai dengan Al-Qur’an dan As-Sunnah. Penelitian ini menggunakan studi kasus – penelitian kualitatif sebagai metodologi penelitian. Untuk penelitian ini data dikumpulkan dari dokumentasi: ketentuan Bank Indonesia, fatwa Dewan Syariah-Majelis Ulama Indonesia (DSN-MUI), fatwa ulama sedunia, instruksi penggunaan uang elektronik dari bank/perusahaan penerbit, observasi dan observasi partisipan yaitu sebagai pengguna uang elektronik yang juga berpengalamanan sebagai bankir di bank milik pemerintah. Dengan menggunakan metode ini, penelitian ini akan mengeksplorasi dan menjelaskan bagaimana uang elektronik dikelola dan mengapa sebagian umat Islam meragukan uang ini. Kesimpulan dari penelitian ini adalah Bank Indonesia selaku regulator dan DSN-MUI yang mengeluarkan fatwa dan ini sejalan dengan fatwa yang dikeluarkan oleh Majma’ al-Fiqh al-Islami di bawah Liga Muslim Dunia dalam keputusannya No. 86, 3/9 menerangkan bahwa “simpanan bank, baik di bank Islam maupun bank konvensional, dari sudut pandang fiqih merupakan hutang, memiliki pandangan yang berbeda mengenai konsep dan karakteristik uang elektronik yang digunakan di Indonesia. Solusi dari permasalahan ini adalah Bank Indonesia sebagai regulator perlu membuka ruang agar uang elektronik yang sesuai dengan ketentuan syariah dapat diwujudkan sehingga kepentingan masyarakat muslimin terpenuhi. Kata Kunci: Uang Elektronik, Bank, Penerbit Uang Elektronik, Riba

scholarly journals Gamification of Decentralized Ledger for Credit Card Application using Blockchain

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Rohmat Taufiq ◽  
Agung Trisetyarso ◽  
Wayan Suparta ◽  
Bachtiar Saleh Abbas
Keyword(s):  
Credit Card ◽  
Banking Industry ◽  
Credit Cards ◽  
Peer To Peer ◽  
Blockchain Technology

We propose a credit card application using blockchain to improve the approval, transparency and security process. Some studies explain the use of blockchain technology in credit card applications but have not described the concept and architecture. Therefore, this study describes and describes the architecture of using credit cards for credit card applications. The motivation of this research is to explain the implementation of blockchain technology, especially the decentralization process of ledgers in credit card applications. Next, we propose architecture and algorithms for credit card applications using blockchain. The conclusion in this study is a decentralized ledger for credit card applications that allows peer-to-peer transactions, decentralized credit card applications that are not bound by geographical boundaries, have two advantages for debtors and the banking industry. In addition, the architecture is made using a credit card for application credit cards and an explanation of how the architecture works.

Improving road network databases by integrating a geographic information system and digital imagery

2008 ◽  
Vol 35 (2) ◽  
pp. 170-178 ◽  
Author(s):  
M. Abdalla ◽  
Said M. Easa
Keyword(s):  
Information System ◽  
Geographic Information System ◽  
Road Network ◽  
Geographic Information ◽  
Integrated System ◽  
High Data ◽  
Road Lighting ◽  
Safety Performance Functions ◽  
Collection Cost

Road lighting information is an important record in road network databases. It has been frequently observed that such data are either missing or not updated due to the high data collection cost using traditional methods. This paper presents a new methodology for identifying and (or) resolving missing and conflicting road lighting data in road network databases. The methodology is based on: (i) integrating the single-line road network (SLRN) in a geographic information system format with a road network database and (ii) integrating the SLRN with a collision database. Missing and conflicting lighting data are resolved using a semi-automatic method for extracting streetlight pole information. The integrated system can also identify inconsistencies related to short segments and segments with mixed illumination characteristics. Inconsistencies in the traffic volume database were also examined and the effect of data inconsistency on safety performance functions was evaluated. The proposed methodology represents an inexpensive, efficient tool for improving the quality of road network databases and associated road safety analysis.

Integrated Systems for Cogeneration and Absorption Chilling: Comparison for Varying Chiller COPs

1999 ◽  
Author(s):  
R. Tang ◽  
M. A. Rosen
Keyword(s):  
Steam Turbine ◽  
Integrated System ◽  
Coefficient Of Performance ◽  
Integrated Systems ◽  
Base Case ◽  
Cooling Load ◽  
Absorption Chillers ◽  
Multi Stage ◽  
Wide Range ◽  
Thermodynamic Effects

Abstract The thermodynamic effects are demonstrated of integrating steam turbine-based cogeneration systems with absorption chillers. A wide range of realistic extraction steam pressures and coefficient of performance (COP) values of absorption chillers are considered. A simple model of a steam turbine-based cogeneration plant is used for the evaluation of the integrated system. The integrated systems are evaluated based on the ratio of fuel consumption between a base case (one-stage absorption chiller with a COP value of 0.6) and several alternative cases (multi-stage absorption chillers with COP values ranging from 0.6 to 1.5). Two categories of scenarios are considered: (i) cases where the cooling load is fixed; and (ii) cases where the cooling load is fixed and the electrical output for the integrated system is set equal to that for the base case.

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