ANALISIS PENGETAHUAN NASABAH  TENTANG PRODUK PERBANKAN SYARIAH (Studi pada Bank Muamalat KCP Malang Kepanjen)

Banks are not something that is alien to people in developed countries. People in developed countries really need the existence of a bank. The bank is considered a financial institution that is safe in carrying out various types of financial activities. Islamic banks are developed based on principles that do not allow separation between temporal and religious matters. This principle requires compliance with sharia as the basis of all aspects of life. This report addresses the problem of the level of knowledge of customers about Islamic banking products at Bank Muamalat, Kepanjen Sub-Branch Office Malang. This study uses a quantitative method from the results of observation, practice and spread the questionnaire to the customers of Bank Muamalat, Kepanjen Sub-Branch Office Malang. The results of the analysis show that the customer's knowledge of the product is higher than the customer's knowledge about buying and using. While customer knowledge about purchases is lower than customer knowledge about products and usage. In addition, customer knowledge has a positive and significant effect on the decision to become a customer at Bank Muamalat, Kepanjen Malang Sub-Branch Office.

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Potential of Islamic finance: A survey of Tunisian Northwest companies

Journal of Emerging Economies and Islamic Research ◽

10.24191/jeeir.v5i2.8802 ◽

2017 ◽

Vol 5 (2) ◽

pp. 28

Author(s):

Rym Ammar Ayachi ◽

Dhafer Saidane ◽

Fayçal Mansouric

Keyword(s):

Financial Institution ◽

Islamic Finance ◽

Islamic Banking ◽

Islamic Banks ◽

Finance Development ◽

Negative Effect ◽

Survey Results ◽

Potential Demand ◽

Northwest Region ◽

Do So

The present paper aims to assess the Islamic products potential demand for entrepreneurs in the Tunisian Northwest region. In order to do so, we developed a questionnaire which was sent to these entrepreneurs. The survey results show that the latter perceive Islamic Finance as a seductive phenomenon. However, its development appears to be difficult. Indeed, according to the survey results, the lack of knowledge may impede the expansion of Islamic banking in Tunisia. Moreover, the following factors: cost, religious conviction, proximity, flexibility and satisfaction of the needs, may affect the entrepreneurs' choice to deal with Islamic financial institution. In addition, the lack of entrepreneurs' confidence with regard to the compliance of Islamic banking with the Shariah principles has a negative effect on Islamic finance development in the Tunisian Northwest region. For this reason, Tunisian Islamic banks should put more effort to reinforce their competitiveness.

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SHARIA BANKING FINANCING MODEL IN ENHANCING THE HALAL CERTIFICATION OF MICRO, SMALL, MEDIUM ENTERPRISE INDUSTRY

El Dinar ◽

10.18860/ed.v9i1.9481 ◽

2021 ◽

Vol 9 (1) ◽

pp. 19-32

Author(s):

Nasrulloh Nasrulloh

Keyword(s):

Financial Institution ◽

Model Solution ◽

Islamic Banking ◽

Analytic Method ◽

Islamic Banks ◽

Product Certification ◽

Medium Enterprise ◽

The Common ◽

Financing Model ◽

Study Offer

A large number of Micro, Small, Medium Enterprise (MSMEs) that did not have a halal certificate yet due to lack of funds is one of the main problems in the failure of the implementation of the JPH Law mission. Halal Product Certification Agency (BPJPH) demands all products sold in Indonesia ought to have a halal certificate in 2019. This study aims to provide a model solution from the financial institution side. Islamic banking as a sharia financial institution has a strategic part to help MSMEs, offer a variety of contracts, and make MSMEs able to carry out halal certification processes. By using descriptive-analytic method, the results of this study offer the financing model with murābahah and mudhārabah contract. The financing model with a murābahah contract is applied as in the common purchasing contract. While the financing model with a mudharabah should be adjusted to the principle of profit-loss sharing with some period adjustment. The implication of this research shows that Islamic Banking can be an intermediary between the community and BPJPH. The submission process of halal certificates through the Islamic banks cooperation is considered easier, more efficient, and transparent.

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Implikasi Teori Percampuran Akad Mudharabah Dan Musyarakah Terhadap Perbankan Syariah (Studi Kasus Bank Syariah Mandiri KCP Sumenep)

Jurnal Manajemen dan Inovasi (MANOVA) ◽

10.15642/manova.v3i1.202 ◽

2020 ◽

Vol 3 (1) ◽

pp. 53-63

Author(s):

Ahmad Shibghatullah Mujaddidi

Keyword(s):

Financial Engineering ◽

Revenue Sharing ◽

Profit Sharing ◽

Islamic Banking ◽

Islamic Banks ◽

Financial Report ◽

The Public ◽

Islamic Financial Institutions ◽

Descriptive Approach ◽

Branch Office

This paper aims at describing the implications of the theory of mixing and its products towards Islamic banking and Islamic financial institutions. A qualitative research methods with a descriptive approach was implemented in this study. The object of the current study was Sub-Branch Office (KCP) of the Syariah Mandiri Bank in Sumenep Regency. The results of this study indicated that the products of the Syariah Mandiri Bank KCP Sumenep in terms of the Musharaka financing contract consists of Musharaka mutanaqishah and musharaka of network capital. Musharaka mutanaqisha is applied in home financing in which the profits are obtained from the margin agreed by all parties. While, the musharaka of network capital uses a profit sharing system in which the profits are calculated through a revenue sharing system. In terms of juridical law, the Syariah Mandiri bank KCP Sumenep has followed the rules stated in the Sharia banking law of 2008 as well as in the fatwa of the National Sharia Board. Whereas, in the case of the application of musharaka accounting that has been regulated in International Financial Report Standard (PSAK), Sharia Mandiri Bank KCP Sumenep has accordingly applied the contract accounting of musharaka as regulated in PSAK 106. However, in terms of account recording (estimation), Islamic banks have not obeyed the rules stated in PSAK 106. Furthermore, this study concludes that there are still many customers who do not understand the contract of mudharabah at Syariah Mandiri Bank KCP Sumenep. It due to the lack of socialization from the banks to the public. In juridical perspective, the Sharia Mandiri Bank KCP Sumenep do not implements mudharabah contract based on fatwa of the National Sharia Board and do not apply the accounting based on PSAK 105. Therefore, it is categorized as Islamic/ sharia financial engineering.

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The Islamic Banking, Asset Quality: “Does Financing Segmentation Matters” (Indonesia Evidence)

Mediterranean Journal of Social Sciences ◽

10.2478/mjss-2018-0154 ◽

2018 ◽

Vol 9 (5) ◽

pp. 221-235 ◽

Cited By ~ 1

Author(s):

Lucky Nugroho ◽

Nurul Hidayah ◽

Ahmad Badawi

Keyword(s):

Financial Stability ◽

Quantitative Method ◽

Statistical Data ◽

Islamic Banking ◽

Islamic Banks ◽

Statistical Tool ◽

Segmentation Strategy ◽

Regression Test ◽

Asset Quality

Abstract Bank stability becomes one of the crucial pillars in maintaining economic growth. Therefore, the segmentation strategy is needed because it aims to improve the financial stability of the bank (decrease Non-Performing Loan-NPL / Non-Performing Financing-NPF). This study aims to determine the effect of segmentation on the quality of Islamic banks proxied with NPF. The method used is a quantitative method with multiple regression test and statistical tool Stata version 13. From the results of statistical data, it is known that the retail segment has a more significant influence than the wholesale segment, which is 92.61% and 56.05%. Therefore, sharia banks should have their business priorities in the retail segment, especially business in the microfinance segment by maintaining the quality of financing through selective financing channeling.

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Pengaruh Kinerja Karyawan, Kualitas Pelayanan dan Kualitas Produk terhadap Kepuasan Nasabah Bank Syariah Indonesia

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam ◽

10.47467/elmal.v5i1.635 ◽

2021 ◽

Vol 5 (1) ◽

pp. 84-95

Author(s):

Binta Malina Azkiya ◽

Hendri Tanjung ◽

Syarifah Gustiawati

Keyword(s):

Customer Satisfaction ◽

Service Quality ◽

Product Quality ◽

Random Sampling ◽

Quantitative Method ◽

Employee Performance ◽

Islamic Banks ◽

Branch Office

This study aims to determine how much influence employee performance, service quality and product quality have on customer satisfaction of Indonesian Islamic banks. This study uses a quantitative method with random sampling, namely anyone who is met and deemed to be in accordance with the criteria needed in the study. This research was conducted at Bank Syariah Indonesia Sub-Branch Office Citeureup 1 with a total of 96 respondents. In this study, it was found that employee performance had no significant effect, while service quality and product quality had a significant effect. In addition, this study also found that variable Y can be explained by 71.8% by variable X, and the remaining 28.2% is influenced by other variables outside the study.

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Debt And Equity-Based Financing, Size And Islamic Banks Profitability: Empirical Evidence From Indonesia

IQTISHADIA Jurnal Kajian Ekonomi dan Bisnis Islam ◽

10.21043/iqtishadia.v12i2.3539 ◽

2019 ◽

Vol 12 (2) ◽

pp. 227

Author(s):

Rofiul Wahyudi ◽

Siti Mujibatun ◽

Riduwan Riduwan

Keyword(s):

Capital Structure ◽

Empirical Evidence ◽

Research Method ◽

Financial Institution ◽

Islamic Banking ◽

Model Estimation ◽

Islamic Banks ◽

Financial Reports ◽

The Public ◽

Structure Scheme

Islamic Banking as a financial institution functions to collect and distribute funds to the public. To carry out these functions, the capital structure scheme uses debt and equity based financing. In addition, the implementation is also influenced by the size which ultimately affect the performance of Islamic banking. This study aims to examine debt and equity-based financing, size and Islamic banks profitability: empirical evidence from Indonesia. The research method used is model estimation test of Moderated Regression Analysis (MRA) to see size as moderation variable. Banks profitability is represented by ROA and ROE. This study uses Islamic bank panel data from financial reports published during the sample period covering 2008-2017. The empirical findings show that debt and equity-based financing affect banks profitability. Furthemore, bank size does not moderate the debt and equity-based financing relationship to Islamic banks profitability.

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ANALISIS IMPLEMENTASI PRINSIP BAGI HASIL, RISIKO DAN PENANGANAN PEMBIAYAAN BERMASALAH TERHADAP PEMBIAYAAN MUSYARAKAH DAN PEMBIAYAAN MUDHARABAH (STUDI KASUS:BANK SYARIAH MANDIRI KC MANADO)

ACCOUNTABILITY ◽

10.32400/ja.14436.5.2.2016.207-223 ◽

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

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The Implementation of Wakalah Contract by Multifinance Companies in Indonesia

International Journal of Islamic Economics ◽

10.32332/ijie.v1i01.1577 ◽

2019 ◽

Vol 1 (01) ◽

pp. 79

Author(s):

Rachmawaty Rachmawaty ◽

Kartika Dian Pandaya ◽

Alshamma Jamal Mohammed Al Azab

Keyword(s):

Special Reference ◽

Financial Institution ◽

Islamic Banking ◽

Islamic Banks ◽

Main Study ◽

End User ◽

Potential Risks

The purpose of this paper is to discuss Wakalah contract which is one of the Islamic banking contracts. Therefore, our main study is the implementation of Wakalah in Indonesia. Wakalah in Indonesia has special reference which is Multifinance company (MFC). MFC is an entity of non-bank financial institution conducts business activities to finance goods or services.Therefore, this research is going to discuss how Wakalah is practiced in Indonesia, where Islamic banks appoint MFC as an agent to do service for end user “customer” on behalf of the bank. Consequently, the objective of this paper is to discuss the implementation of Wakalah with Mudharabah and Wakalah with Murabahah by MFC in Indonesia in terms of operation, the potential risks that might be occur and shariah issues in terms of ownership and fee. However, there are particular areas in terms of operation that MFC should improve, as well as, banks have to be aware of its operational way of conducting agreement so banks mitigate any kind of risks or negligence.

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The Margin of Murabaha Financing System of Islamic Banks and Their Effects on Retirees Customer Decisions

Al-Ulum ◽

10.30603/au.v20i1.1282 ◽

2020 ◽

Vol 20 (1) ◽

pp. 63-89

Author(s):

Muhdar HM Muhdar HM

Keyword(s):

Decision Making ◽

Financial Institutions ◽

Quantitative Method ◽

Islamic Finance ◽

Islamic Banking ◽

Islamic Banks ◽

Financing System ◽

Policy Makers ◽

Multi Stage ◽

Conventional Banks

The phenomenon of retirement customers' decision to take over debts from conventional financial institutions to Islamic finance continues to increase, indicating a change in customer paradigm, predicted due to several factors including financing margin factors. This article explains the extent to which financing margins affect the decision of retired customers to take over from conventional banks to Islamic banking. This study uses a quantitative method with an analysis unit of 161 retired clients who have filled the questionnaire with multi-stage sampling. The results of the study show that murabaha financing margins have a positive and significant effect on the decision making of retired customers in the taking over of financing. This means that good financing margins have great potential to bring retired customers from conventional banks. Thus, this result has implications for marketers and policy makers that retired customers decide based on potential financing products.

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Tantangan Konversi Bank Konvensional Menjadi Bank Syariah di Aceh Berdasarkan Qanun Lembaga Keuangan Syariah No 11 Tahun 2018

TAWAZUN : Journal of Sharia Economic Law ◽

10.21043/tawazun.v3i2.7725 ◽

2020 ◽

Vol 3 (2) ◽

pp. 229

Author(s):

Rahmawati Rahmawati ◽

Khairul Putriana

Keyword(s):

Financial Institutions ◽

Banking Industry ◽

Financial Institution ◽

Islamic Banking ◽

Islamic Banks ◽

Banking Institutions ◽

Conventional Banks ◽

Conventional Bank

The presence of the Islamic Financial Institution Qanun No 11 in 2018 is a special right for Aceh and has brought a breath of fresh air to the development of the Islamic banking industry in Aceh, a number of conventional banks in Aceh are required to convert to Islamic banks, The purpose of this study is to explain the procedure for accelerating the conversion of unconventional banks to Islamic banks in Aceh and to explain the challenges of banking institutions with the obligation to convert financial institutions in Aceh. The obligation to convert a conventional bank into a sharia bank is clearly as stipulated in article 6 points e and d, although the process of converting a conventional bank to a sharia bank is not found directly in the qanun, but every bank that does the conversion must refer to BI regulations namely PBI No. 11 / 15 / PBI-2009, this is as explained in article 12 "before carrying out business activities, LKS must have a business license in accordance with the provisions of the legislation".

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