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 Demonetisation Impact over Banking Loans & Advances: A Case Study

2019 ◽  
Vol 7 (4) ◽  
pp. 51-64
Author(s):  
Narsaiah Neralla
Keyword(s):  
Financial Services ◽  
Banking Sector ◽  
Study Data ◽  
Ecosystem Dynamics ◽  
Banking Services ◽  
Legal Tender ◽  
The Status ◽  
The Government ◽  
Case Study Data

The demonetisation footstep by the Government of India twisted complicated influences in the economy. Complete sectors of the economy had faced and produced mixed sensation results over the decision of demonetisation. India’s financial services struggled with demonetisation; on the other hand demonetisation affects utmost over the banking sector because it is substantial influenced services to transform money circulation in an Indian economy. Eradicating components of currency notes from circulation in an economy is demonetisation. It is as the processes of components of money are denied the status of legal tender. Consequently, ceased currency notes will not be account as valid currency in an economy. The term ‘demonetization’ is an instrument to shrink Inflation, Black Money, Corruption and terror funding, this step discourages a cash dependent economy in India. Government of India drive towards demonetisation has given a strong push to the popularity of digital banking and made helps with the alternative arrangements of e-banking and e –wallet to trade and commerce. Exploring the demonetisation emergence in an economy and impact on banking services ecosystem dynamics, this study take an abductive approach anchored in over 4 years of case study data regarding. The present study foremost intention is to be analysing the demonetisation impact over banking loans and advances. In this regard the present study is to be examining the pre demonetisation and post demonetisation period.

scholarly journals Islamic Bank Financing and Its Effects on Economic Growth: A Cross Province Analysis

2019 ◽  
Vol 8 (2) ◽  
Author(s):  
Muhammad Anif Afandi ◽  
Muhammad Amin
Keyword(s):  
Economic Growth ◽  
Fixed Effects ◽  
Islamic Banking ◽  
Fixed Effects Model ◽  
Islamic Bank ◽  
Bank Financing ◽  
Panel Data Regression ◽  
Data Regression ◽  
Almost All

Islamic banking industry shows a reasonably good development, one of which is marked by an increase in service coverage in almost all provinces in Indonesia. However, the question is how far Islamic banking capable of contributing to the improvement of Indonesia's economic growth? The purpose of this research is to examine the role of Islamic banking in promoting inclusive economic growth with a sample of 33 provinces in Indonesia. The method used in this research is panel data regression using the fixed effects model. The results show that Islamic bank financing does not have an impact on Indonesia's economic growth. In other words, the results of the research provide information that the existence of Islamic banking in Indonesia has not yet give a significant impact on the welfare of Indonesian society

scholarly journals Analysis of Factors Influencing Intensity Use of Mobile Banking Islamic Bank

2021 ◽  
Vol 8 (11) ◽  
pp. 441-449
Author(s):  
Sutarminingsih . ◽  
Lukman M Baga ◽  
Imam Teguh Saptono
Keyword(s):  
Perceived Risk ◽  
Online Shopping ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Banking Services ◽  
Service Strategy ◽  
Islamic Bank ◽  
Banking Service ◽  
Internet Users

The development of internet users and technology has influenced the banking industry to transform its services towards digital. XYZ Sharia Bank is one of the banks that implements a digital banking service strategy through mobile banking. The purpose of this study is to describe the characteristics of mobile banking users, then analyze what influences the behavioral intentions of users in increasing the intensity of mobile banking use, and provide recommendations for development strategies for Islamic Bank XYZ to increase the intensity of mobile banking use. The results of this study qualitatively indicate that the characteristics of XYZ Islamic Bank mobile banking users are dominated by millennial generation males. XYZ Syariah Bank is the choice for mobile banking services because of its practical and flexible use. In addition to general banking transactions, XYZ Syariah Bank mobile banking is also an option because it provides services to complement people's lifestyles, namely for digital wallet refills, online shopping payments through the marketplace/e-commerce. The results of the research quantitatively indicate that all of the variables studied, namely perceived usefulness, ease of use, interaction needs, perceived risk, perceived cost of use, trustworthiness, credibility, and compatibility with lifestyle and needs have a significant influence on the intensity of using Islamic Bank mobile banking XYZ, where the biggest factor in influencing the intensity of the use of XYZ Islamic Bank's mobile banking is compatibility with lifestyle and needs. Keywords: Digital Banking, Mobile Banking, Intensity of Using, Sharia Bank.

scholarly journals Perlindungan Konsumen atas Pencabutan Izin Usaha BPR oleh Otoritas Jasa Keuangan

2021 ◽  
Vol 23 (1) ◽  
pp. 57
Author(s):  
Asri Elies Alamanda ◽  
Darminto Hartono
Keyword(s):  
Research Method ◽  
Deposit Insurance ◽  
Legal Protection ◽  
Legal Research ◽  
Central Java ◽  
The Government ◽  
Special Region

The revocation of the Rural Bank (BPR) business license is inseparable from the function of the OJK in fostering and supervising the BPR. This study used an empirical legal research method, namely research was conducted at OJK Regional 3 Central Java and Yogyakarta Special Region. The results indicate that there are 2 legal protections provided by the government to depositors of funds, namely preventive and repressive legal protection. Preventive legal protection has the character of preventing problems, including the application of the principles of confidentiality and prudence. Meanwhile, the repressive legal protection that functions to resolve disputes that arise is the Deposit Insurance Corporation (LPS). Then the factors that cause the revocation of the BPR's business license are factors that come from internal BPRs that cannot manage the BPR properly. The revocation of the RB's business license was caused by 2 things, namely the revocation of the business license at the request of the shareholders and the revocation of the business license because the rescue efforts carried out did not bear fruit.

scholarly journals PENGARUH PRINSIP BAGI HASIL DAN BUNGA, DAN REPUTASI BANK TERHADAP KEPUTUSAN NASABAH DALAM MEMILIH JASA PERBANKAN: BANK SYARIAH DAN BANK KONVENSIONAL DI KOTA JAMBI

2019 ◽  
Vol 2 (2) ◽  
pp. 38-46
Author(s):  
Eka Julianti Efris Saputri
Keyword(s):  
Discriminant Analysis ◽  
Sample Selection ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Primary Data ◽  
Analysis Method ◽  
Banking Services ◽  
Islamic Bank ◽  
Conventional Banks ◽  
Conventional Bank

This study  was intended  to  examine the effect of  profit  sharing  principle and  interest,  and  bank reputation  against  customer  decision  in  choosing  banking  services,  that  is  between  islamic  bank  and conventional  bank in Jambi  City.  Data in this study  is primary data by using  questionnaire. The sample selection  in  this research  used  nonprobability sampling  technique  with  acidental  sampling technique. The sample obtained in this study were customer of islamic bank and customer of conventional bank in Jambi City. The  analysis  method  used  was  discriminant  analysis  using  IBM  SPSS  Statistic  22.  The  results  of  the discriminant analysis prove that in choosing banking services in Jambi City between islamic banks and conventional banks, customers do not see from the principle of profit sharing and interest, and bank reputation.

Akibat Hukum Pada Pemisahan Simpanan Dari Nasabah Bank Saat Likuidasi Untuk Memperoleh Jaminan Dari Lembaga Penjamin Simpanan

2021 ◽  
Vol 7 (2) ◽  
pp. 128-145
Author(s):  
Reka Dewantara ◽  
Mahandhani Wahyu Ibrahim
Keyword(s):  
Deposit Insurance ◽  
Banking Sector ◽  
Legal Research ◽  
Analysis Technique ◽  
Banking Stability ◽  
The Government ◽  
The Right ◽  
Economic Crimes ◽  
Interpretation Method ◽  
Legal Consequences

Abstrak. Penelitian dalam artikel ini menjelaskan tentang adanya celah hukum yang terkait dengan kontrak penjaminan simpanan LPS terhadap syarat dan ketentuan penjaminan simpanan nasabah. Praktiknya perilaku pemecahan dana simpanan belum ada aturan lebih lanjut, sehingga muncul pertanyaan apa akibat hukum pemecahan dana simpanan oleh nasabah BDL untuk dapat penjaminan dari LPS. Artikel ini adalah penelitian hukum dengan memakai pendekatan perundang – undangan dan pendekatan kasus. Teknik analisis memakai metode interpretasi gramatikal dan sistematis. hasil penelitian ini, penulis berpendapat pemecahan dana simpanan oleh nasabah BDL untuk dapat penjaminanan dari LPS adalah tindakan nasabah yang diuntungkan secara tidak wajar, sesuai pasal 19 ayat (1) huruf b Undang Undang tentang LPS dan terdapat unsur pidana penipuan, tindak pidana di bidang perbankan, dan tindak pidana ekonomi. Akibat hukum pemecahan dana simpanan oleh nasabah BDL untuk dapat penjaminan dari LPS, yaitu hak nasabah (nasabah yang tidak melakukan tindak pemecahan dana simpanan untuk mendapatkan penjaminan dari LPS ) untuk mendapat penjaminan simpanan secara adil, hak LPS untuk tidak melakukan (omission) membayarkan penjaminan simpanan nasabah yang melakukan pemecahan dana simpanan, dan hak pemerintah untuk melakukan (commission) menjaga stabilitas perbankan dari tindakan pemecahan dana simpanan oleh nasabah dengan tujuan dijaminkan simpanannya. Abstract. The research in this article describes the existence of legal loopholes related to the LPS deposit guarantee contract against the terms and conditions of customer deposit insurance. In practice, there is no further regulation on the behavior of splitting deposit funds, so the question arises what are the legal consequences of splitting deposit funds by BDL customers to obtain guarantees from LPS. This article is a legal research using a statutory approach and a case approach. The analysis technique uses a grammatical and systematic interpretation method. the results of this study, the authors argue that the breakdown of deposit funds by BDL customers to obtain guarantees from LPS is an act of customers who benefit unreasonably, according to article 19 paragraph (1) letter b of the Law on IDIC and there is an element of criminal fraud, criminal acts in the banking sector , and economic crimes. The legal consequences of splitting deposit funds by BDL customers to obtain guarantees from LPS, namely the right of customers (customers who do not perform the act of splitting their deposit funds to obtain guarantees from LPS) to obtain a fair deposit guarantee, the right of LPS not to (omission) to pay deposit guarantees customers who split their deposit funds, and the right of the government to undertake (commission) to maintain banking stability from the act of splitting their deposit funds by customers with the aim of securing their deposits.

Digital Banking Services in Rural India

2019 ◽  
pp. 56-72
Author(s):  
Ashoka M. L. ◽  
Rakesh T. S. ◽  
Madhushree S.
Keyword(s):  
Urban Areas ◽  
Internet Banking ◽  
Rural India ◽  
Banking Services ◽  
Rural And Urban Areas ◽  
Banking Service ◽  
Rural And Urban ◽  
Private And Public ◽  
The Government ◽  
Complete Transformation

Digitization or digitalization of banking services has established a strong network which supports a quick disbursement of banking services across the world. Digital banking service has enabled India to be more operative in reducing the transaction gaps between rural and urban areas. The awareness about cashless transactions has led to the complete transformation in online-banking services. The government initiatives as well as banks (private and public) efforts in implementing digital services such as internet banking, mobile banking, payment of various utility bills, online-ticket booking, digi-lockers for investors (investment), etc. has created a sense of technical significance among rural population. Favorable network condition plays a major role in making digital banking services more triumphant in both rural and urban India. The chapter reveals the ideology of customer's satisfaction towards the digital banking services in Belthangady Taluk, Dakshina Kannada district.

Mobile banking adoption in Islamic banks

2019 ◽  
Vol 11 (6) ◽  
pp. 1405-1418
Author(s):  
Dwi Suhartanto ◽  
David Dean ◽  
Tuan Ahmad Tuan Ismail ◽  
Ratna Sundari
Keyword(s):  
Islamic Law ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Islamic Banks ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Content Type ◽  
Islamic Bank

Purpose This paper aims to examine mobile banking adoption in Islamic banks by integrating technology adoption model (TAM) and Religiosity-Behavioural Intention Model. Design/methodology/approach This study uses a sample of 300 mobile banking customers of Islamic banks from West Java Province, Indonesia. Partial least square was applied to assess the association between perceived usefulness, perceived ease-of-use, religiosity, satisfaction, and adoption. Findings The results of this study disclosed that the integration of TAM and Religiosity-Intention model provides a more complete explanation of Islamic bank consumers’ adoption of mobile banking. Besides perceived usefulness and perceived ease-of-use, the results of this study emphasise the importance of religiosity in mobile banking adoption. Practical implications This study offers an opportunity for Islamic bank managers to increase the adoption of their mobile banking services. To increase the adoption of mobile banking services, Islamic banks must not only provide an application that is useful and easy to use but also consider the customer’s religiosity. All of their mobile banking marketing strategies should focus on providing high-quality mobile service while ensuring the bank’s operations are compliant with the Islamic law. Originality/value This study is the first attempt to integrate TAM and Religiosity-Intention Model to assess mobile banking adoption.

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