scholarly journals APAKAH PEMBIAYAAN MUDHARABAH DAN MURABAHAH MENINGKATKAN PROFITABILITAS?

2021 ◽  
Vol 6 (2) ◽  
pp. 101-108
Author(s):  
Mohamad Naufal Syihabuddin ◽  
Isyro'iyatul Mubarokah
Keyword(s):  
Total Sample ◽  
Linear Analysis ◽  
The Other ◽  
Rate Of Return ◽  
Islamic Banks ◽  
Other Hand

Penelitian ini berupaya untuk mengetahui pengaruh pembiayaan mudharabah dan murabahah dalam meningkatkan profitabilitas. Analisis linier berganda dipilih sebagai metode dengan jumlah sampel empat bank Syariah. Penelitian menemukan bahwa pembiayaan mudharabah tidak dapat meningkatkan profitabilitas, karena bentuk pembiayaan yang menerapkan asas profit and loss sharing. Di sisi lain pembiayaan murabahah meningkatkan  profitabilitas karena pembiayaan menganut prinsip jual beli yang membuat tingkat pengembalian dan keuntungan menjadi stabil. Abstract This study seeks to determine the effect of mudharabah and murabahah financing in increasing profitability. Multiple linear analysis was chosen as the method with a total sample of four Islamic banks. The study found that mudharabah financing cannot increase profitability, because the form of financing applies the principle of profit and loss sharing. On the other hand, murabaha financing increases profitability because the financing adheres to the principle of buying and selling which makes the rate of return and profit stable.

scholarly journals Analisis Pendapatan Non Halal Perbankan Syariah Di Indonesia: Sumber Dan Penggunaannya

2019 ◽  
Vol 4 (2) ◽  
pp. 159
Author(s):  
Rudy Hartanto ◽  
Irena Paramita Pramono ◽  
Pupung Purnamasari
Keyword(s):  
Commercial Bank ◽  
Financial Institutions ◽  
Banking Industry ◽  
Total Sample ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Other Hand ◽  
Data Documentation

The existence of the regulation for Islamic banking causes it to conduct its activities by the guidance of Islamic principles which avoid some non-halal sources of income. On the other hand, the transactions between Islamic banking and conventional banking are unavoidable because conventional financial institutions still dominate all transactions in each country. This means that non-halal sources of income cannot be avoided, by the way of the transaction is done. This research aims to analyze on the sources of income and its distribution of the non-halal funds of Islamic Banks in Indonesia. This research is quantitative. The method of collecting data documentation uses data from 2015-2017 with a total sample of 102 Islamic banks. The results show that there were differences in the average non-halal funds of Islamic Commercial Banks with Islamic Business Unit Bank. In addition, this study shows that Islamic commercial bank tends to have non-halal funds bigger than Islamic Business Unit Bank. On the other hand, the result shows that non-halal funds sources in the banking industry are dominated by interest income from another conventional bank and the using of non-halal funds is dominated by social activities.

Pendapatan Non Halal Perbankan Syariah di Indonesia: Analisis Sumber dan Penggunaannya

2019 ◽  
Vol 4 (2) ◽  
pp. 51
Author(s):  
Rudy Hartanto ◽  
Irena Paramita Pramono ◽  
Pupung Purnamasari
Keyword(s):  
Commercial Bank ◽  
Financial Institutions ◽  
Banking Industry ◽  
Total Sample ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Other Hand ◽  
Data Documentation

The existence of the regulation for Islamic banking causes it to conduct their activities by the guidance of Islamic principles which avoid some non-halal sources of income. On the other hand, the transactions between Islamic banking and conventional banking are unavoidable because conventional financial institutions still dominate all transactions in each country. Means that non-halal sources of income cannot be avoided, by the way of the transaction is done. This research aims to analyze the sources of income and its distribution of the non-halal funds of Islamic Banks in Indonesia. This research is quantitative. The method of collecting data documentation uses data from 2015-2017 with a total sample of 102 Islamic banks. The results show that there were differences in the average non-halal funds of Islamic Commercial Banks with Islamic Business Unit Bank. In addition, this study shows that Islamic commercial bank tends to have non-halal funds bigger than Islamic Business Unit Bank. On the other hand, the result shows that non-halal funds sources in the banking industry are dominated by interest income from another conventional bank and the using of non-halal funds is dominated by social activities.

scholarly journals Examining the Nexus between Riba and Gharar, and Islamic Banking Products Among Zanzibar People

2021 ◽  
pp. 27-34
Author(s):  
Hamad Mohammed Shkeily ◽  
Naziruddin Abdullah
Keyword(s):  
Hypothesis Test ◽  
Reliability And Validity ◽  
Income Level ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Other Hand ◽  
The People ◽  
Conventional Banks

This paper aims at examining the nexus between riba, gharar and income level, and Islamic Banking Products among Zanzibar people. The Islamic bank products such as Murabahah, Musharakah, Mudarabah, Ijarah, Hawalah, Takaful and Sukuk were considered as independent variables for this study. On the other hand, the dependent variables investigated were three (3) namely riba, gharar and income level. A total of 116 respondents consisting of Zanzibar people residing in different districts responded to the survey questionnaire via google form. The study used statistical techniques to analyse the collected data in terms of demographic, descriptive, reliability and validity analysis and presented by charts, tables and curves. The hypothesis test has been conducted using correlation analysis. Statistically, the finding revealed that, the people of Zanzibar were against Riba but in favour of Murabahah, Musharakah, Mudarabah, Ijarah, Hawalah, Takaful and Sukuk with p≤0.01. The result also revealed that the people of Zanzibar were against gharar with p≤0.01. On the other hand, income level showed a significant correlation against Mudarabah, Ijarah, Hawalal, Takaful and Sukuk as p≤0.01. These findings suggest that the products and services of Islamic banks have a significant relationship with Riba, Gharar and level of income for Islamic banks’ shariah priority. It is also shown that riba and gharar were significantly impacted the people of Zanzibar for the influence on the acquisition of Islamic bank facilities which are vital on direct effects that attract customers and investors in which they are customised from conventional banks products. As the awareness level from these Islamic products are high, it is recommended that Islamic banks should focus in designing Islamic banks products (Murabahah, Musharakah, Mudarabah, Ijarah, Hawalah, Takaful and Sukuk) that will comply with Shariah requirement.

scholarly journals ANALISA PENGARUH PERTUMBUHAN KREDIT, JENIS KREDIT, TINGKAT BUNGA PINJAMAN BANK DAN INFLASI TERHADAP KREDIT BERMASALAH

2019 ◽  
Vol 11 (1) ◽  
pp. 1
Author(s):  
Arfan Rachmadias Saputro ◽  
Susi Sarumpaet ◽  
Tri Joko Prasetyo
Keyword(s):  
Multiple Regression ◽  
Commercial Banks ◽  
Sampling Method ◽  
Financial Statements ◽  
Total Sample ◽  
Linear Analysis ◽  
The Other ◽  
Negative Effect ◽  
Loan Growth ◽  
Positive Effect

Abstract: This research was conducted to analyze the effect of loan growth, loan type, interest and inflation on non-performing loan. Samples were focused on Indonesian commercial banks. Multiple regression linear analysis was used, whereas the samples were obtained using purposive sampling method. Total sample consists of 82 commercial banks with financial statements for the year of 2013 to 2017. Result shows that each variable; loan growth, loan type and interest have a positive effect on non-performing loan. On the other hand, inflation has a negative effect. Keywords: Loan Growth, Loan Type, Interest, Inflation, Non-Performing Loan.

scholarly journals NATIONAL CULTURE AND TRANSPARENCY: EVIDENCE FROM ISLAMIC BANKS

2019 ◽  
Vol 10 (1) ◽  
pp. 101-109
Author(s):  
Rochania Ayu Yunanda ◽  
Mohammad Ali Tareq ◽  
Akbariah Binti Mahdzir ◽  
Faried Kurnia Rahman
Keyword(s):  
Cultural Values ◽  
National Culture ◽  
Power Distance ◽  
Uncertainty Avoidance ◽  
Cultural Dimensions ◽  
The Other ◽  
Islamic Banks ◽  
National Cultures ◽  
Business Operations ◽  
Other Hand

The purpose of this paper is to investigate the effects of predominant cultural values on banking disclosure. On one hand, Islamic banks have practiced Islamic principles which are universal for all countries. Islamic banks are expected to provide transparent information especially in terms of social and Shariah(Islamic) compliant information as Islamic banks claim themselves to have social objectives as the prime consideration. Islamic banks also have Shariah supervisory body to ensure that the banking activities and business operations are in line with Islamic requirements. On the other hand, Hofstede‘s cultural dimensions and Gray‘s hypotheses have rendered remarkable contributions in financial and accounting practices among different nations. Examining 45 Islamic banks in 11 Moslem majority countries, this paper focuses on four particular cultural dimensions namely individualism/collectivism, masculinity/femininity, uncertainty avoidance, and power distance and whether these dimensions have an impact on transparency. This study found that two out of four national cultures still have significant effect on the transparency level in Moslem majority countries.

Studi Tentang Penerapan Fatwa Bunga Bank di Indonesia

Al-Risalah ◽  
2018 ◽  
Vol 11 (02) ◽  
pp. 119
Author(s):  
Yuliatin Yuliatin
Keyword(s):  
The Other ◽  
Methodological Aspect ◽  
Islamic Banks ◽  
Secondary Sources ◽  
Other Hand ◽  
The People ◽  
Conventional Bank ◽  
Muslim Scholars

 The goal of this writing is to discuss the application of  the  verdict  of  bank  interest  in  Indonesia.  Based  on  the  Indonesian Council of Religious Scholars, the bank interest is  illegitimate. Unfortunately, most of Muslim including NU and  Muhammadiyah thought that the verdict was made and applied  without well‐consideration. The Indonesian Council of Religious  Scholars, on the other hand, stated that the verdict is flexible, so  the Indonesian my follow or not. Therefore, this article discusses  the  verdict  of  Indonesian  Council  of  Religious  Scholars  from  methodological and content aspects. From methodological aspect,  Indonesian  Council  of  Religious  Scholars  only  consider  the  secondary  sources,  such  as  the  scriptures  and  the  Muslim  scholars, whereas it should primarily consider the Kuran, The  Prophet  Muhammed’s  works,  Scholars’  agreement,  and  else.  Based  on  the  content,  The  Indonesian  Council  of  Religious  Scholars  considers  conventional  bank  interest  as  illegitimate  based on its accounts. Also, Muslim has another alternative for  banking that is Islamic Banks (Sharia Banks) which give facilities  to the people. If there is no Islamic Banks, the Muslim my make  accounts in conventional. 

scholarly journals Assessing the Impact of Service Quality on Consumers Satisfaction: A Comparative Study of Commercial vs Islamic Banks in Pakistan

2018 ◽  
Vol 11 (2) ◽  
pp. 219
Author(s):  
Muhammad Waqas Yousuf ◽  
Farhan Ahmed ◽  
Suman Talreja
Keyword(s):  
Service Quality ◽  
Commercial Banks ◽  
Banking System ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Customer Expectation ◽  
Other Hand ◽  
Quality Dimensions ◽  
The Impact

<p>This study aims to show the path that Islamic banking follows of Sharia’ h while on the other hand commercial banks obeys commercial regulations and rules for the purpose of banking. The main objective of the Islamic banking is to offer interest free services and products which obeys the path of Sharia’ h and Islamic banking system makes transaction on the foundation of profit and loss, while on the other hand commercial banks are business oriented banks. The sampling method used in this research was convenience sampling with a sample size of 200 which were the customers of the banks and the research design of the questionnaire used was exploratory The questionnaire was distributed in 4 banks 2 commercial and 2 Islamic banks respectively. Dependent variables are ‘customer expectation and perception’ while on the other hand independent variable that are used this research are ‘reliability, assurance, tangibles, empathy and responsiveness. The results which are derived from this research shows a negative or less impact of two service quality dimensions on both banks which are Assurance and Empathy. The highest perceived service dimension is “Reliability,” that refers to the reliability of their products and promise to provide the best service quality to their customers. While the lowest perceived service was observed towards “Empathy,” the other two dimension with highest value are tangibility and responsiveness which means that customers’ of both commercial and Islamic banks like tangible service and the quick responsiveness towards providing them the best service.</p>

scholarly journals A comparative economic study on improved and non-improved native chicken practices in some selected areas of Bangladesh

2021 ◽  
pp. 24-38
Author(s):  
S Yasmin ◽  
M Ershaduzzaman ◽  
M Khatun ◽  
S Islam ◽  
S Faruque ◽  
...  
Keyword(s):  
Treatment Group ◽  
Family Income ◽  
Total Sample ◽  
Labour Cost ◽  
The Other ◽  
Control Group ◽  
Feed Cost ◽  
Other Hand ◽  
Native Chicken ◽  
Native Chickens

Native chickens are important for the rural poor women and marginalized section for subsidiary income and safe nutrition. Considering that views, the study were conducted taking objectives is assessing the profitability of native chicken and to find the livelihood status of native chicken farmers. The study areas were selected from six districts, namely, Joypurhat Sadar under Joypurhat, Dinajpur Sadar under Dinajpur, Dumoria under Khulna, Kotalipara under Gopalgonj, Nokla under Sherpur and Sonagazi under Feni district on the basis of improved native chickens project implementation areas. The selected areas were consisted of 30 treatment groups and 30 control groups from each upazila. The total sample size was 360 (P/H). In the case of profitability, the treatment group earned BDT 3,450 per 10 birds per annum followed by control group earned BDT 2,476. The BCR was found 2.04 and 1.45, respectively for treatment and control group. It was evident that treatment group produced 60 native chickens annually and on the other hand, control group produced 30 native chickens. For control group, labour cost occupied 32 percent and the feed cost captured 23 percent. On the other hand, for treatment group, feed cost occupied 34 percent and the labour cost was 38 percent. Fifty percent farmers opined that they reared native chicken for additional family income followed by 37 percent home consumption, 9 percent ceremonies and 4 percent creating employment opportunity. Rearing of native chicken entirely depends on women’s decision but the usage of money is controlled by women and men. It was found that women dominated most activities in rearing native chicken. Based on the result of the study, 100 percent women was the decision maker for rearing native chicken in both groups. Decision on selling of native chicken made by women was 92.15 percent in treatment group and 73.28 percent in control group. Money received from native chicken was also controlled 78.26 percent in treatment group and 51.57 percent in control group by women. Lack of access to livestock extension service, bad eggs quality, access to credit also was the challenges for native chicken farmers covering 7 percent, 4 percent and 4 percent, respectively. From this study, it was clear that rearing native chicken farming brought positive changes in economic, social and specially women empowerment indicators. Bang. J. Livs. Res. Vol. 27 (1&2), 2020: P. 24-38

scholarly journals The effect of opening excuses on banking services in Islamic banks

2020 ◽  
Vol 9 (3) ◽  
pp. 902
Author(s):  
Mutlaq Saad Al-Hajri
Keyword(s):  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Muslim Community ◽  
Banking Services ◽  
Other Hand ◽  
The One ◽  
The Masses ◽  
Financial Transactions ◽  
The Impact

This research examines a topic related to the principles of jurisprudence on the one hand, and contemporary financial transactions on the other hand, especially with regard to banking services in Islamic banks, where it deals with the topic (The Impact of Opening Excuses on Islamic Banking Services). The research included two topics, and it came out, indicating the effect of opening the excuses in the business and banking services in Islamic banks of different forms, especially since the need in our time for these banking services is necessary, so that the masses of the Muslim community are hardly indispensable, which requires looking at them according to the purposes of the Sharia and taking into account the need People, while preserving the principles and principles of Sharia. Then the conclusion came, and it included the most important results of the study.

scholarly journals Factors Influencing the Preference of Customers Towards Islamic Banking: Evidence from Malaysia

2020 ◽  
Vol 3 (1) ◽  
pp. 48-67
Author(s):  
Qosdan Dawami
Keyword(s):  
Data Analysis ◽  
Service Quality ◽  
Direct Relationship ◽  
Quantitative Approach ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Customer Behaviour ◽  
Factors Influencing ◽  
Other Hand

The purpose of this research is to investigate the pivotal determinants influencing the consumer’s preference towards the products and services of Islamic banking, apart from reviewing previous studies that considered perceived religiosity has an intense relationship with the individual’s intention and attitude. Moreover, this study also examines the direct relationship between the preference of customers and the Service quality offered by Islamic banks. This study utilized quantitative approach through conducting a survey to 60 students of International Islamic University Malaysia from various departments. Correlation and regression will be applied for data analysis. The result of the study indicated that the Attitude and the Service quality offered by Islamic banks are the major determinants influencing the customers’ behaviour towards Islamic banking. On the other hand, the Image of the bank and the Religiosity were determining insignificantly to the intentions of customers to choose its products and services.Keywords – Islamic banking, Religiosity, Customer behaviour and Shariah Compliance.

Sign in / Sign up

Export Citation Format

Share Document