scholarly journals Pengaruh Religiositas terhadap Minat Mahasiswa Menabung di Bank Syariah

2021 ◽  
Vol 4 (1) ◽  
pp. 25-35
Author(s):  
Peni Darmisah ◽  
Saiin Saiin
Keyword(s):  
Data Analysis ◽  
Educational Background ◽  
Regression Method ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Remote Areas ◽  
Conventional Banks ◽  
Simple Regression

As students who have an educational background in Islamic Economics, each has a different perception of Islamic Banking. There are still students who compare Islamic banks and conventional banks, a doubt toward the operational saving system, financing or discounting, and the existence of conventional Banks being more affordable than Islamic banks in remote areas. This study aimed to examine the effect of religiosity on students' interest in saving in Islamic banks. This type of research was quantitative with data analysis using a simple regression method. The results showed that the t count was 14,832, and the t table was 1,975 < t count 14,832 with a significance of 0.000 under 0.05. Therefore, it concluded that religiosity significantly affects the saving interest of students at Islamic Banks.

scholarly journals Pengaruh Komitmen dan Kepercayaan terhadap Kepuasan Nasabah Bank Syariah di Surabaya (The Effect of Commitment and Trust for Customer Satisfaction Islamic Banking in Surabaya)

2019 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Erwan Aristyanto ◽  
Andi Farouq Hasan ◽  
Aditya Surya Nanda
Keyword(s):  
Data Analysis ◽  
Customer Satisfaction ◽  
Competitive Advantage ◽  
Design Research ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Competitive Strategies ◽  
Short Term ◽  
Analysis Techniques ◽  
Conventional Banks

Intense competition between banks is increasingly tight good conventional banks as well as Islamic banks. The rivalry has led banks to get competitive strategies do customers. Strategy all aimed at satisfying the customer's bank. The key competitive advantage in a situation full of competition is the ability of the bank in improving customer satisfaction. Customer satisfaction will be the key to success, not only in the short term but sustain- able competitive advantage. The purpose of this research is to find out and analyse the influence the commitment and trust of customer satisfaction on Sharia in Surabaya. The population in this study is bank syariah in Surabaya and the number of samples as much as 95 clients. The technique of sampling by using purposive sampling namely sampling with certain considerations. Design research is quantitative with the hypothesis. Data analysis techniques using multiple linear regression using SPSS 23.

scholarly journals Pengetahuan, Persepsi dan Sikap Pengurus Masjid terhadap Perbankan Syariah

2018 ◽  
Vol 3 (1) ◽  
Author(s):  
Muhammad Isa
Keyword(s):  
Data Analysis ◽  
Daily Life ◽  
Group Discussion ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Positive Perception ◽  
Research Subjects ◽  
The West ◽  
Perceptions And Attitudes ◽  
Conventional Banks

This study aims to identify and describe the knowledge, perceptions and attitudes of mosque administrators in Panyabungan Barat District, Mandailing Natal District about Islamic Banking. This research was conducted with qualitative methods. Data collection for this study uses interview, observation and documentation techniques. The research subjects were administrators of mosques in the West Panyabungan District. Data analysis was aided by Focused Group Discussion (FGD) activities. From this study, it was concluded that in general the mosque administrators in Panyabungan Barat District already knew that Islamic banks were free of usury but they did not yet know the products and services in Islamic banks in more detail. Managers of mosques in Panyabungan Barat District have a positive perception of Islamic banking and a Muslim should prioritize Islamic banking products and services. But they also continue to tolerate the use of products and services of conventional banks in a forced state. Furthermore, their knowledge of Islamic banks and positive perceptions about Islamic banks did not really support their attitude in daily life to utilize Islamic banking products and services. In fact they are still interested in using conventional banks if the service is better.

Depositor Characteristics and the Performance of Islamic Banks

2020 ◽  
pp. 0148558X2091633
Author(s):  
Amal AlAbbad ◽  
Divya Anantharaman ◽  
Suresh Govindaraj
Keyword(s):  
Economic Theory ◽  
Data Analysis ◽  
Economic Performance ◽  
Islamic Banking ◽  
Archival Data ◽  
Islamic Banks ◽  
Statistical Methodology ◽  
Using Data ◽  
Conventional Banks ◽  
Debt Holders

We investigate the reasons for the growing demand for Islamic banking internationally, and examine the relative economic performance of Islamic banks compared with conventional banks in managing their capital buffers and liquidity. Using data for the period 2000–2012 for 104 Islamic and 619 conventional listed and non-listed banks spread across 22 countries with both these types of banks, and using standard statistical methodology for archival data analysis, we find that religious, political, and socio-legal factors, rather than economics alone, play key roles for Islamic banks in attracting depositors. Governed by Islamic ( Shariah) laws, these banks cannot lend money and charge interest. Depositors are not debt holders as in conventional banks, but investment partners that share in the risk, or profit-loss sharing (PLS), with the bank. As Islamic banks have no debt holders, and depositors self-select to bank with Islamic banks, economic theory suggests a reduced need for excessive (less productive) liquidity buffers. However, we find that Islamic banks maintain significantly higher liquidity buffers than their conventional counterparts. A main contribution of our study is to highlight the fact that standard economic measures alone may be inadequate to assess the performance of Islamic banks.

scholarly journals PERKEMBANGAN DAN PERAN PERBANKAN SYARIAH BAGI PEREKONOMIAN INDONESIA

2021 ◽  
Vol 1 (1) ◽  
pp. 14-20
Author(s):  
Nila Rahayu
Keyword(s):  
Data Analysis ◽  
Qualitative Data ◽  
Financial Institution ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Literature Study ◽  
Qualitative Data Analysis ◽  
Great Demand ◽  
Conventional Banks

This article aims to introduce more about Islamic banking and show the development of Islamic banking in Indonesia. This paper uses a literature study method with qualitative data analysis. Broadly speaking, the meaning of Islamic banks is a bank that runs according to Islamic sharia and has also been recognized by the MUI as an Islamic-based financial institution. However, it is undeniable that until now the development of Islamic banking has not been as advanced as conventional banks and is also in great demand by all circles of society. Artikel ini bertujuan untuk mengenalkan lebih dalam tentang bank syariah serta menunjukkan perkembangan perbankan syariah di Indonesia. Tulisan ini menggunakan metode studi kepustakaan dengan analisis data kualitatif. Secara garis besar arti dari bank syariah merupakan bank yang berjalan menganut syariah Islam dan juga telah diakui MUI sebagai lembaga keuangan yang berbasiskan Islam. Namun tak dipungkiri juga bahwasannya hingga detik ini perkembangan Bank Syariah belum bisa seperti Bank Konvensional yang sudah maju dan juga banyak diminati oleh segala kalangan masyarakat.

scholarly journals PENGETAHUAN, PERSEPSI DAN SIKAP PENGURUS MASJID TERHADAP PERBANKAN SYARIAH

2018 ◽  
Vol 3 (1) ◽  
Author(s):  
Muhammad Isa
Keyword(s):  
Data Analysis ◽  
Daily Life ◽  
Group Discussion ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Positive Perception ◽  
Research Subjects ◽  
The West ◽  
Perceptions And Attitudes ◽  
Conventional Banks

This study aims to identify and describe the knowledge, perceptions and attitudes of mosque administrators in Panyabungan Barat District, Mandailing Natal District about Islamic Banking. This research was conducted with qualitative methods. Data collection for this study uses interview, observation and documentation techniques. The research subjects were administrators of mosques in the West Panyabungan District. Data analysis was aided by Focused Group Discussion (FGD) activities. From this study, it was concluded that in general the mosque administrators in Panyabungan Barat District already knew that Islamic banks were free of usury but they did not yet know the products and services in Islamic banks in more detail. Managers of mosques in Panyabungan Barat District have a positive perception of Islamic banking and a Muslim should prioritize Islamic banking products and services. But they also continue to tolerate the use of products and services of conventional banks in a forced state. Furthermore, their knowledge of Islamic banks and positive perceptions about Islamic banks did not really support their attitude in daily life to utilize Islamic banking products and services. In fact they are still interested in using conventional banks if the service is better.

scholarly journals The Effect of Knowledge, Promotion, and Religiosity on Intention to Use Islamic Banking Services

2020 ◽  
Vol 11 (2) ◽  
pp. 128
Author(s):  
Kardoyo . ◽  
Ahmad Nurkhin ◽  
Muhsin . ◽  
Hasan Mukhibad ◽  
Fatmala Dewi Aprilia
Keyword(s):  
Significant Influence ◽  
Research Result ◽  
Educational Background ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Banking Services ◽  
The Public ◽  
Central Java ◽  
And Gender ◽  
Knowledge Promotion

This study aims to examine the effect of knowledge, promotion, and religiosity on the interest in using Islamic banking services. The purpose of the next research is to examine the effect of knowledge on religiosity. In addition, this study also examines the effect of educational background and age on saving interest in Islamic banks. The population in this study are customers of Bank Syariah Mandiri, Brebes, Central Java, Indonesia. Ninety-nine research samples were obtained. The data collection method used was questionnaires. The data analysis method used was SEM-PLS. The results showed that only promotion proved to have a positive and significant effect on interest in using the services of Islamic banks. Knowledge and religiosity have not been proven to have a significant effect on interest in using services of Islamic banks. Likewise, background and gender do not have a significant effect. The next research result is that there is a positive and significant influence of knowledge on religiosity; there is also a positive and significant influence on the promotion of knowledge. This study recommends the importance of continuing socialization and education from Islamic banking stakeholders in Indonesia to continue introducing Islamic banks to the public.

Is Islamic bank profitability driven by same forces as conventional banks?

2016 ◽  
Vol 9 (1) ◽  
pp. 46-66 ◽  
Author(s):  
Hajer Zarrouk ◽  
Khoutem Ben Jedidia ◽  
Mouna Moualhi
Keyword(s):  
Dynamic Panel Data ◽  
Islamic Banking ◽  
Subprime Crisis ◽  
Islamic Banks ◽  
Mena Region ◽  
Bank Profitability ◽  
Content Type ◽  
Large Sample ◽  
Islamic Bank ◽  
Conventional Banks

Purpose The purpose of this paper is to ascertain whether Islamic bank profitability is driven by same forces as those driving conventional banking in the Middle East and North Africa (MENA) region. Distinguished by its principles in conformity with sharia, Islamic banking is different from conventional banking, which is likely to affect profitability. Design/methodology/approach The paper builds on a dynamic panel data model to identify the banks’ specific determinants and the macroeconomic factors influencing the profitability of a large sample of 51 Islamic banks operating in the MENA region from 1994 to 2012. The system-generalized method of moment estimators are applied. Findings The findings reveal that profitability is positively affected by banks’ cost-effectiveness, asset quality and level of capitalization. The results also indicate that non-financing activities allow Islamic banks to earn higher profits. Islamic banks perform better in environments where the gross domestic product and investment are high. There is evidence of several elements of similarities between determinants of the profitability for Islamic and conventional banks. The inflation rate, however, is negatively associated with Islamic bank profitability. Practical Implications The authors conclude that profitability determinants did not differ significantly between Islamic and conventional banks. Many factors are deemed the same in explaining the profitability of conventional as well as Islamic banks. The findings reported in the current paper might be of interest for policy makers. It is recommended to better implement non-financing activities to improve Islamic bank profitability. Originality/value Unlike the previous empirical research, this empirical investigation assesses the issue whether Islamic banks profitability is influenced by same factors as conventional model. It enriches the literature in this regard by considering the specificities of Islamic banking to identify the determinants of profitability. Moreover, this study considers a large sample (51 Islamic banks) through a different selection of countries/banks than previous studies. In addition, the period of study considers the subprime crisis insofar it ranges from 1994 to 2012. Hence, this broader study allows the authors to draw more consistent conclusions.

scholarly journals Analysis of Indonesian Islamic and Conventional Banking Before and After 2008

2016 ◽  
Vol 8 (11) ◽  
pp. 193 ◽  
Author(s):  
Arfianti Novita Anwar
Keyword(s):  
Secondary Data ◽  
Rank Test ◽  
Islamic Banking ◽  
Positive Contribution ◽  
Islamic Banks ◽  
Significant Difference ◽  
Before And After ◽  
Signed Rank Test ◽  
The Law ◽  
Conventional Banks

<p>This study aims to analyze the performance of Islamic banks and conventional banks before and after the implementation of Islamic Banking Act 2008. The performance will be measured using CAMEL ratio selected. This research is considered essential in examining the positive contribution of the application of the Act to improve the performance of Islamic banks in Indonesia. By using secondary data, this study compared the performance of Islamic banks with that conventional bank selected as samples during the study period. Data were analyzed using the Wilcoxon Signed Rank Test for inter-temporal and Mann-Whitney test for inter-bank. Inter-temporal Tests conducted on Islamic Banking showed that a significant difference was only seen in the NPF ratio of 2 years before and after implementation of Islamic Banking Act. As for conventional banks showed a more diverse ie for 1 year before and after the application of the Law on Islamic Banking there are significant differences for the ROA and ROE, two years before and after implementation of the Law Islamic banking there are significant differences for the CAR, ROA, ROE and NIM and for the overall test a significant difference to CAR, ROA, ROE, NIM and efficiency. Inter-bank testing showed that prior to the application of Islamic Banking Act there are significant differences between conventional banks and Islamic banks to CAR, ROA and efficiency. Furthermore, after the application of Islamic Banking Act there is a significant difference for the CAR and LDR / FDR.</p>

Identifying the gaps between customer expectations and perceptions on service quality dimensions of Islamic banks in Malaysia

2015 ◽  
Vol 7 (4) ◽  
pp. 424-441 ◽  
Author(s):  
Rafikul Islam ◽  
Selim Ahmed ◽  
Dzuljastri Abdul Razak
Keyword(s):  
Service Quality ◽  
Age Groups ◽  
Educational Background ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Customer Expectations ◽  
Banking Service ◽  
Significant Difference

Purpose – This paper aims to identify the gaps and differences between customer expectations and perceptions on service quality of Islamic banks in Malaysia based on six dimensions of service quality, namely, reliability, responsiveness, assurance, empathy, tangibles and Islamic Shari’ah compliance. Design/methodology/approach – This study surveyed 179 customers who have first-hand experience with Islamic banking services in Malaysia. The research data were analysed using reliability analysis, independent samples t-test and one-way analysis of variance. Findings – The results indicated that customers’ perceptions failed to meet their expectations on the service quality of Islamic banks in Malaysia. The results also indicated that those customers (respondents) aged below 30 years have higher expectations on empathy from the Islamic banking service compared to other age groups. However, there is no significant difference between customer expectations and perceptions of Islamic banking service quality based on educational background and occupation. Research limitations/implications – This research focused solely on Islamic banks in Malaysia and thus the results might not be applicable for other conventional banks. Originality/value – The findings are expected to provide guidelines for enhancing the satisfaction level of clients of the Islamic banking system in Malaysia and other countries.

scholarly journals Customer Perception Regarding Car Loans in Islamic and Conventional Banking

2012 ◽  
Vol 2 (6) ◽  
pp. 174
Author(s):  
M. Taimoor Hassan ◽  
Mehtab Ahmed ◽  
Muhammad Imran ◽  
Azhar Naeem ◽  
Mudassir Waheed ◽  
...  
Keyword(s):  
Key Words ◽  
Statistical Technique ◽  
Primary Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Chi Square ◽  
Customer Perception ◽  
Conventional Banks ◽  
Corporate Customers

Purpose: To see the customer perception regarding car loans in Islamic and conventional banking. Methodologies: This study is based on primary data. These followed by only Bahawalpur corporate customers are taken as the sample research. Firstly the persons have been identified of the selected banks that are the financial affairs of those banks. When these people show their willingness then questionnaire has been filled by them and the required data has been collected. The statistical technique chi-square had been adapted for analysis the data. Findings: Total 120 questionnaires have been distributed among different banks and out of which 104 were get completed and returned. Peoples prefer conventional banks for car loans as compared to Islamic banks.   Key Words: Islamic Banking, Corporate Customer, Car Financing.

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