scholarly journals Analisis Kelembagaan Pengelolaan Zakat Dan Fungsi Sosial Perbankan Syariah

2020 ◽  
Vol 2 (2) ◽  
pp. 182-203
Author(s):  
Adiyes Putra ◽  
Nurnasrina Nurnasrina
Keyword(s):  
Commercial Banks ◽  
Social Function ◽  
Islamic Banking ◽  
Main Function ◽  
Islamic Banks ◽  
Social Functions ◽  
Public Funds ◽  
Islamic Bank ◽  
The Social ◽  
Do So

Institutional zakat in Islamic banking has been regulated in Article 4 Paragraph 2 of Law No. 21 of 2008 concerning Islamic Banking. Where in that article Islamic banks are allowed to perform social functions in the form of collecting zakat, donations, alms, grants, or other social funds. The activities of Islamic banks conducting social activities become additional activities for Islamic banks. In contrast to the main function of Islamic banks as an intermediary function such as the collection and distribution of public funds that are required for Islamic banks to do so, while the social functions of Islamic banks only written in the Islamic banking Act can run, meaning that Islamic banks can choose between performing social functions or not doing it. The uncertainty of the Sharia Banking Law in regulating social functions makes Islamic banks not full of seriousness in carrying out these social functions. The lack of seriousness of this Islamic bank can be seen from the 14 Sharia Commercial Banks (BUS), only 10 BUSs that carry out social functions, and there are still 4 BUSs that have not yet performed social functions. The total funds that have been successfully collected and utilized by 10 BUS in the last 2 years are in 2017 Islamic banks collect zakat funds of Rp. 76.7 billion or 1.23% of the total funds raised by BAZNAS and LAZ (Rp. 6.22 trillion). In 2018 the collection of zakat funds through BUS experienced an increase of 16% from 2017 or collected Rp. 88.9 billion or 1.1% of the total zakat funds raised by BAZNAS and LAZ (Rp. 8.1 trillion). When compared to the amount of zakat fund raised by this BUS with the potential for national zakat totaling Rp. 217 Trillions, of course the achievement is not up to 1%, this means that the collection of zakat funds by the BUS is still far from expectations. Keywords: Zakat Institution, Social Function, Zakat, Islamic Bank

scholarly journals THE EFFECTIVENESS OF INTEREST-FREE LOAN FINANCING (QARDHUL HASAN) AS THE SOCIAL IMPLEMENTER OF ISLAMIC BANK TO REDUCE POVERTY IN SURAKARTA

2017 ◽  
Vol 6 (2) ◽  
Author(s):  
Ahmad Junaidi
Keyword(s):  
Social Welfare ◽  
Social Function ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Operational System ◽  
Islamic Bank ◽  
The Social ◽  
Loan Financing

<p>The function of Islamic banks is not only to eliminate the interest system in its operational system, but also take a role to improve social welfare. Islamic banks have programs that can be used in the context of eradicating poverty, it is interest-free loans (<em>qardhul hasan</em>). Interest-free loan financing (<em>qardhul hasan</em>) is a social loan which is provided free of charge without any charges except returning its capital. This study is intended to examine how the implementation of interest-free loans (<em>qardhul hasan</em>) by Islamic bank and to know the extent of which the financing of interest-free loans (<em>qardhul hasan</em>) can alleviate poverty in the society. This research is none of doctrinal research. The research location is in Islamic bank in Surakarta. The output of this research is publication on national journal.The financing of <em>Al-qardhul hasan</em> itself has not got attention from Islamic bank as the realization of the social function of Islamic banking. Islamic banking products are more oriented to the the programs which contains the value of profit / profit so that interest-free loans (<em>Al-qardhul Hasan</em>) has not taken yet as a role in efforts to alleviate poverty.</p>

scholarly journals Analysis Of Using Islamic Bank Social Media And Website In The E-Marketing Concept Using Attention, Interest, Search, Action, Share (AISAS) Methods

2019 ◽  
Vol 7 (1) ◽  
pp. 68-78
Author(s):  
Silmi Safira ◽  
Iqbal Fadli Muhammad ◽  
Muhammad Doddy
Keyword(s):  
Social Media ◽  
Digital Media ◽  
Commercial Banks ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Marketing Concept ◽  
Modern Times ◽  
Islamic Bank

This study aims to analyze the extent to which Islamic banks, especially sharia commercial banks, have used websites and social media in the concept of e-marketing. The scope of this research is 13 Islamic commercial banks. The method used is the AISAS method (Attention, Interest, Seacrh, Action, Share). The result is that from the 13 Islamic banks, the top 5 banks in utilizing websites and social media for e-marketing are: Bank Syariah Mandiri, Bank BNI Syariah, Bank Muamalat, BRI Syariah Bank, and BJB Syariah Bank. implication of this study is that Islamic banking is better at maximizing the approach to the community by utilizing digital media to get the attention of customers or prospective customers. Because in modern times social media is something that is so important for people's lives.

scholarly journals Credit Management in Full-Fledged Islamic Bank and Islamic Banking Window: Towards Achieving Maqasid Al-Shariah

2020 ◽  
Vol 11 (3) ◽  
pp. 92
Author(s):  
Najihah Muhammad ◽  
Sharifah Faigah Syed Alwi ◽  
Nabihah Muhammad
Keyword(s):  
Commercial Banks ◽  
Qualitative Methodology ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Structured Interviews ◽  
Credit Management ◽  
Islamic Bank ◽  
Management Procedures ◽  
Management Plans ◽  
Conventional Banks

The percentage of non-performing loans (NPL) and non-performance financing (NPF) in Malaysia commercial banks is under control and does not increase in its percentage since the year 2014 to 2016. These scenarios are the result of the stringent credit management procedures in the commercial banks which if not properly followed could affect banks’ profitability and liquidity. However, there are critics by the public on how Islamic banks normally tend to punish their customers who are the real traders or businessman without fixed monthly income when they slightly late in paying their periodical payment for the bank’s facility or financing. Islamic bank is supposed to help the customer in order for it to achieve maqasid al-Shariah (objectives of Shariah). Thus, this study intends to compare the credit management’s procedure in one of the full-fledged Islamic banks and one of the conventional banks which also offer Islamic banking window. This study also aims to identify the achievement of maqasid al-Shariah through the procedures of credit management in the two banks. This study adopted the qualitative methodology where semi-structured interviews are conducted with 2 bankers from one of the full-fledged Islamic banks and one of the conventional banks which also offer Islamic banking window. Results from this study indicated that each banks has their own strategies and procedures with regard to credit management. Their credit management plans were structured to help customers to secure their loans, financing and assets as well as protecting them from bankruptcy and insolvency which basically comply with maqasid al-Shariah. From this study, it is recommended for commercial banks to apply a strict approval process for loan and financing as well as a strict credit monitoring system to avoid NPL and NPF.

scholarly journals Pengembangan Model Fungsi Sosial Bisnis Islam Berdasarkan Maqashid Syariah Pada Bank Syariah X

Telaah Bisnis ◽  
2016 ◽  
Vol 16 (1) ◽  
Author(s):  
Muhammad Nafik ◽  
R. Moh Qudsi Fauzy
Keyword(s):  
Business Model ◽  
Business Models ◽  
Model Development ◽  
Social Function ◽  
Social Functions ◽  
Islamic Bank ◽  
The Social ◽  
The Impact

Abstract The purpose of this study was to determine the concept of the social function of business model development Islam, especially Islamic Bank X based maqashid sharia, practice development of the social functions of Islamic business models based on the sharia maqashid Islamic Bank X, and the impact of the development of the social functions of Islamic business models based on the quality of sharia maqashid life of the community. This study uses descriptive qualitative research methodology case study method (case study). Criteria informant was branch manager, supervisor, and citizens who have been the target/target activities of social function. The sampling technique is done with purposive sampling and snowball sampling. These results indicate that the concept of the social function of business model development Islam, especially Islamic Bank X based maqashid sharia has had an important role in creating justice and prosperity based on the principles of Shari’ah maqashid especially the external community. Practice development of the social function of the business model of Islam based on sharia maqashid has had a big role in terms of fighting and reduce disorientation in religion (hifdhud-din), the maintenance of stupidity (hifdhul-’aqal), terjauhkannya of poverty (hifdhul maal), has a good offspring (hifdhun-nasl), and maintaining a healthy soul (hifhdun-nafs), and the impact of the development of the social function of the business model of Islamic sharia maqashid based not only on improving the quality of life of citizens around the location of Bank Syariah X which has a weak economy, but also an impact positively to the image of the Islamic Bank X in the minds of customers and other parts of society.

ALTERNATIF PERHITUNGAN RETURN SHAHIBUL MAL PADA SKEMA MUDHARABAH BANK SYARIAH

2020 ◽  
Vol 3 (2) ◽  
Author(s):  
Refky Fielnanda
Keyword(s):  
Rapid Development ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Theoretical Level ◽  
Method Of Calculation ◽  
Islamic Bank ◽  
Representative Office ◽  
Operational Practices ◽  
Computerized System ◽  
Practical Level

Abstract: The rapid development of the number of islamic banks should be balanced with the availability of infrastructure to carry out daily operational practices. The operational tools include hardware as like as representative office, computerized system, reliable human resources and software as like as method, culture and financial and islamic banking knowledge. In terms of development of Islamic finance is the paper "Alternative Calculation of Return Shahibul Mal on Mudharabah Scheme on Bank Syariah" was written. During this calculation of return shahibul mal has not been standardized in a formula, thus causing two serious effects. First, in the theoretical level, the formula has not yet created a difficulty. Secondly, in practical level, the formula is not impressive enough to recalculate the complexity of return calculations obtained by shahibul mall, causing laziness of the community using the services of islamic bank. This paper using mathematical and arithmetic equations with the help of modeling made by the author to refine and improve the method of calculation that has been available. The purpose of this paper is to create a standard formula that facilitates the calculation of return earned by a shahibul mal in a mudaraba scheme in a islamic bank.  

EFEKTIVITAS PEMASARAN BANK SYARIAH MENGGUNAKAN MEDIA SOSIAL INSTAGRAM DI INDONESIA” (Studi Kasus pada PT. BNI Syariah)

Paradigma ◽  
2020 ◽  
Vol 17 (1) ◽  
pp. 1-15
Author(s):  
Indriyani ◽  
Rizal Fahlevi
Keyword(s):  
Social Media ◽  
Rapid Development ◽  
Communication Media ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Marketing Effectiveness

The purpose of this study is to see the level of marketing effectiveness carried out by Bank BNI Syariah using social media Instagram. The rapid development of Instagram in Indonesia has made Bank Negara Indonesia Syariah actively use this social media as a forum for promotion on Instagram under the account name @ bni.syariah. So it is recorded that as of January 2019 the @ bni.syariah account has the most followers or followers of 37.8 thousand. Then followed by the account @banksyariahmandiri 36.4 thousand followers, @brisyariah 32.5 thousand followers, @ bank.muamalat 25.7 thousands followers, @bankbjbsyariah 8,095 followers, @bankmegasyariah 5,619 followers, @hababankaceh 5,399 followers, @bank_syariahbukopin 2,736 followers, and @ panindubaisyariah.bank 263 followers. Instagram is effectively used as a marketing medium for Islamic banks, especially for BNI Syariah, which is effectively used as a media for promotion and communication media with BNI Syariah customers. With the existence of Instagram as a marketing medium for Islamic banks, in this case BNI Syariah is very helpful in introducing Islamic bank products and helping to increase BNI Syariah revenue itself. Although, currently Instagram social media is only used as a promotional media or the first media for BNI Syariah to introduce Islamic banking products and is also used as a medium of communication with active BNI Syariah customers. So that any complaints or problems, especially related to service, customers can immediately submit complaints to BNI Syariah via Instagram, and problems can be resolved according to the customer's needs.

Potential of Islamic finance: A survey of Tunisian Northwest companies

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.

The performance of Islamic banking among the commercial banks in Malaysia

2008 ◽  
Vol 5 (1) ◽  
pp. 59
Author(s):  
Samsuwatd Zuha Mohd Abbas ◽  
Norli Ali ◽  
Aminah Mohd Abbas
Keyword(s):  
Commercial Banks ◽  
Positive Impact ◽  
Bank Performance ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Return On Assets ◽  
Return On Equity ◽  
Accounting Performance ◽  
Significant Difference ◽  
The Mean

This paper examines the accounting performance of the Islamic banking among (??) commercial banks in Malaysia. A total of 18 commercial banks which include 4 Islamic banks are selected as samples covering the period of 2000 - 2006. Accounting performance is measured by the return on assets (ROA) and return on equity (ROE). The objective of the study is (1) to determine whether Islamic banking performance is at par with the conventional banking and (2) to investigate whether the type (Islamic or conventional bank) and age of bank influence the performance. Result of the independence t-test of the study shows that there is no significant difference in the performance of the Islamic and the conventional banking in Malaysia although the mean score for conventional banking is higher. The regression results show that the age of banks has a positive impact on the bank performance where as none of the types of banks influence performance.

Peranan Komisaris dan Direksi Bank Syariah dalam Pengelolaan Dana Zakat dan ISR (Islamic Social Responsibility) di Indonesia

2019 ◽  
Vol 14 (2) ◽  
pp. 95
Author(s):  
Melia Frastuti ◽  
Dimas Pratama Putra ◽  
Erfan Effendi
Keyword(s):  
Social Responsibility ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banks ◽  
The Public ◽  
Islamic Bank ◽  
Positive Assessment ◽  
Nature Preservation

Abstract     Almsgiving is one of the pillars supporting the upholding of Islam as the obligation for the adherents to improve horizontal relations between fellow humans and strengthen vertical relations with Allah SWT. The implementation of Islamic Social Responsibility (ISR) of the Islamic Bank gives a positive assessment in sharia agreement, justice and equality, responsibility for work, welfare, guarantee of nature preservation and benevolent assistance that is not profit-oriented.Proper almsgiving management and ISR implementation make Islamic banks trusted by the public in terms of service quality, satisfaction and loyalty of Muzzaki. It reduces bad images, and provides relevant impacts on social welfare and the progress of the era. The data analysis used to test the hypotheses is Multiple Linear Regression analysis. The data is collected by distributing questionnaires to Commissioners and Directors at 14 (fourteen) Islamic Commercial Banks spread throughout Indonesia. The result of this study shows partially prove the role of Islamic bank commissioners in the amsgiving management only, while the importance of the role of directors in Islamic banks in almsgiving management and the implementation of ISR partially. Keywords: Islamic Bank, Commissioners, Directors, Almsgiving and ISR

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.

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