scholarly journals Digital Banking, Customer Experience, and Islamic Bank Financial Performance in Indonesia

2019 ◽  
Author(s):  
Vera Vebiana
Keyword(s):  
Financial Performance ◽  
Customer Experience ◽  
Islamic Bank

Comparative analysis of QISMUT+3’s Islamic corporate social responsibility

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Agung Nur Probohudono ◽  
Astri Nugraheni ◽  
An Nurrahmawati
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Financial Performance ◽  
Statistical Testing ◽  
Content Type ◽  
Islamic Bank ◽  
Csr Disclosure ◽  
Corporate Social ◽  
The Impact ◽  
Positive Effect

Purpose The purpose of this study is to analyze the impact of corporate social responsibility (CSR) disclosure on the financial performance of Islamic banks across nine countries as major markets that contribute to international Islamic bank assets (Indonesia, Malaysia, Saudi Arabia, UAE, Kuwait, Qatar, Turkey, Bahrain and Pakistan or further will be called QISMUT + 3 countries). Design/methodology/approach Islamic Social Reporting Disclosure Index (ISRDI) is being used as a benchmark for Islamic bank CSR performance that contains a compilation of CSR standard items specified by the Accounting and Auditing Organization for Islamic Financial Institutions. The secondary data is collected from the respective bank’s annual reports and it used the regression analysis techniques for statistical testing. Findings This study found that CSR disclosure measured by ISRDI has a positive effect on financial performance. Almost all ISRDI sub-major categories have a positive effect on financial performance except the “environment” subcategory. The highest major subcategory for ISRDI is the “corporate governance” category (82%) and the “environment” category (13%) is the lowest. For the UAE, Kuwait and Turkey, the ISRDI is positively affected by financial performance and the other countries on this research are not. Originality/value This study highlighted the economic benefits of social responsibility practices as a part of business ethics in nine countries that uphold the value of religiosity. Thus, the development of the results of this research for subsequent research is very wide open.

THE EFFECT OF THE SHARIA SUPERVISORY BOARD AND THE BOARD OF COMMISSIONERS ON THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANKS IN INDONESIA

2021 ◽  
Vol 3 (1) ◽  
pp. 60-73
Author(s):  
Ahmad Fauzul Hakim Hasibuan ◽  
Fuadi Fuadi ◽  
Angga Syahputra
Keyword(s):  
Data Analysis ◽  
Financial Performance ◽  
Commercial Banks ◽  
Supervisory Board ◽  
Secondary Data ◽  
Sampling Technique ◽  
Islamic Banks ◽  
Purposive Sampling ◽  
Islamic Bank

This study aims to determine the influence of the Sharia Supervisory Board and the Board of Commissioners on the Financial Performance of Islamic Banks in Indonesia. This study used secondary data from 12 banks.The sampling technique used is the purposive sampling technique. The method of data analysis used is multiple linear regression.The results partially show that the sharia supervisory board and board of commissioners positively and significantly influence the financial performance of Islamic banks in Indonesia. Simultaneously,the board of commissioners and the sharia supervisory board positively and significantly influence the financial performance of Islamic bank

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DI INDONESIA, MALAYSIA, BRUNEI DAN THAILAND PERIODE 2011-2016

2019 ◽  
Vol 5 (10) ◽  
pp. 835
Author(s):  
Adyagunita Karini ◽  
Dian Filianti
Keyword(s):  
Financial Performance ◽  
Capital Adequacy ◽  
Anova Test ◽  
Islamic Bank ◽  
Brunei Darussalam ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Significant Difference ◽  
Standards And Regulations ◽  
One Way Anova

Comparing the financial performance of banks with other countries would show if the different standards and regulations affect their performance. This research aims to know if there is a significant difference in financial performance of sharia banks between Indonesia, Malaysia, Brunei and Thailand during 2011-2016. The samples used in this research consist of one sharia bank from each country: Bank Syariah Mandiri, Maybank Islamic Berhad, Bank Islam Brunei Darussalam and Islamic Bank of Thailand. This research uses a comparative quantitativeapproach using Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return on Asset (ROA), and Capital Adequacy Ratio (CAR) as variables to indicate financial performance. One-Way ANOVA is used as the analysis technique. Results of the ANOVA test show there is a significant difference in NPF, FDR, ROA and CAR between sharia banks in Indonesia, Malaysia, Brunei and Thaiand as indicated by a significance value of 0,000 and 0,002.

Education strategy misfit, board effectiveness and Indonesian Islamic bank performance

2020 ◽  
Vol 11 (3) ◽  
pp. 929-944
Author(s):  
Rahma Wijayanti ◽  
Vera Diyanty ◽  
Sugiyarti Fatma Laela
Keyword(s):  
Financial Performance ◽  
Negative Impact ◽  
Supervisory Board ◽  
Least Square ◽  
Bank Performance ◽  
Board Effectiveness ◽  
Content Type ◽  
Islamic Bank ◽  
Education Strategy ◽  
The Impact

Purpose This study aims to provide empirical evidence on the contingency factors that affect the implementation of education strategies and the impact of education strategy misfit on the performance and effectiveness of the board’s moderating role on the misfit level and performance of Islamic banks. Design/methodology/approach This research is a quantitative study with pooled ordinary least square panel data during the years 2007-2014 from all Indonesian Islamic commercial banks. Islamic bank performances are measured by the level of profitability and sharia financial performance. Board effectiveness is analysed by measuring the effectiveness of both the board of commissioners (BoC) and the sharia supervisory board (SSB). Findings This study proves that organisational competent qualities and chief executive officer tenure are the contingency factors that affect the implementation of the education strategy. This study’s results indicate that the effectiveness of both the BoC and SSB has a positive impact on the bank’s profitability and sharia financial performance. The results also show that misfit has a negative effect on sharia financial performance and that board effectiveness is proved to reduce the negative impact of a misfit on sharia financial performance. However, there is no strong evidence that board effectiveness reduces the negative impact of a misfit on profitability. Originality/value This study emphasises the importance of enhancing the competence and innovation of organisations in the implementation of education strategy and the need for synergy and increased capabilities among board members to achieve well-established Islamic bank performance.

Ownership structure and financial performance in Islamic banks

2014 ◽  
Vol 7 (2) ◽  
pp. 146-160 ◽  
Author(s):  
Sarra Ben Slama Zouari ◽  
Neila Boulila Taktak
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Empirical Evidence ◽  
Ownership Structure ◽  
Policy Implications ◽  
Bank Performance ◽  
Islamic Banks ◽  
Content Type ◽  
Islamic Bank ◽  
The Impact

Purpose – This study aims to investigate empirically the relationship between ownership structure (concentration and mix) and Islamic bank performance, with a special attention to the identity of the block investor (foreign, family, institutional and state). Design/methodology/approach – Regression analyses are conducted to test the impact of the identity of the first shareholders and the degree of concentration on Islamic bank performance, using a panel data sample of 53 Islamic banks scattered over > 15 countries from 2005 to 2009. Findings – Results suggest that ownership is concentrated at 49 per cent, and for 41 banks from the full sample, the ultimate owner is institutional. State investors come in second place, followed by family ultimate shareholders. Using return on assets and return on equity as performance measures, empirical evidence highlights the absence of correlation between ownership concentration and Islamic bank performance. It also reveals that the combined effort of family and state investors is beneficial to bank performance. Results also indicate that banks with institutional and foreign shareholders do not perform better. Empirical findings suggest that the financial crisis impacts negatively Islamic bank performance. Research limitations/implications – The use of dummy variables to measure the nature of the largest owner represents the main limitation of this study. This is due to the lack of information, as the percentage of the largest capital held referring to owner category was available only for some banks. Practical implications – This research has given a brighter insight into corporate governance and bank performance in selected Islamic banking institutions. Findings provided useful information to bank managers, investors and policy makers. Financial performance can be improved by identifying practices associated with ownership structure. So, it will have policy implications for Islamic banks as to how to improve their performance. Finally, different types of bank ownership have had different concerns about implementing corporate governance practices among Islamic banks. Originality/value – This work is the first of its kind for Islamic banks. It extends previous research by examining whether ownership structure (concentration and mix) affects performance. It also fills the gap in the literature by providing empirical evidence on a large sample involving data from 15 countries. Finally, manual data collection on ownership structure constitutes a large part of the research for this paper.

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL

2019 ◽  
Vol 2 (2) ◽  
pp. 136-146
Author(s):  
Khristina Sri Prihatin
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Method ◽  
Financial Statements ◽  
Financial Ratios ◽  
Financial Ratio ◽  
Islamic Bank ◽  
Conventional Banks

The objectives of this research to make compare the finance performance between Islamic Commercial Banks and Conventional Commercial Banks in Indonesia in the period 2012-2016 by using financial ratios. Financial ratios are used consisting of CAR, KAP, NPL,and ROA. The purpose of this research is to find out whether there is a difference between the performance of Islamic bank financial statements when compared to conventional banks as a wholeAnalytical techniques used to see comparison of financial performance of Islamic Commercial Banks with Conventional Commercial Bank is the quantitative method that use spss. The analysis showed that there are significant differences for each financial ratio between Islamic Commercial Banks and Conventional Commercial Banks in Indonesia. Islamic Commercial Banks has better performance in terms of LDR ratios, while the Conventional Commercial Banks better performance in terms of the CAR, KAP, NPL, and ROA.

scholarly journals The comparisons of bank financial performance between government owned and listed bank in Indonesia

2015 ◽  
Vol 13 (1) ◽  
pp. 345-350
Author(s):  
Djoko Suhardjanto ◽  
Yohana Sylvi Putri Ayu ◽  
Nurharjanto ◽  
Iwan Setiadi
Keyword(s):  
Financial Performance ◽  
Development Bank ◽  
Government Ownership ◽  
Islamic Bank ◽  
Sample Test

This study aims to examine the differences of bank financial performance based on listing status and government ownership. The population of this study is 120 banks in Indonesia in 2011-2013, both listing and non listing bank. Sample used in this study consist of 75 listing banks and non listing banks, not including Islamic Bank and District Development Bank (Bank Pembangunan Daerah-BPD). The data is analyzed using independent sample test. The results show that (1) Non Performing Loan (NPL) rate in non government ownership bank is lower than NPL rate of government owned bank, and (2) NPL rate of listed bank is lower than NPL rate of non listed bank

scholarly journals Customer experience quality surpasses NPS in correlation to financial performance, customer loyalty and customer satisfaction

2020 ◽  
Author(s):  
Michele Bennett ◽  
Anthony Molisani
Keyword(s):  
Customer Satisfaction ◽  
Financial Performance ◽  
Customer Loyalty ◽  
Customer Experience ◽  
Strongly Correlated ◽  
Business Growth ◽  
Publicly Traded ◽  
Publicly Traded Companies ◽  
Important Measure

Customer loyalty and satisfaction drives business. For over a decade, NPS has been touted as the most important measure of loyalty and predictor of business growth, even as researchers have struggled to consistently prove the claim. Other measures of customer experience, loyalty and satisfaction have arisen that challenge the supremacy of NPS, even as hundreds of companies rely on NPS for its simplicity and promise of business growth. Measuring 1605 US-based customers of US publicly traded companies, this study has found that while NPS was positively and significantly correlated with customer loyalty, satisfaction, and financial performance, customer experience quality (CEQ) surpassed NPS in all three measures. The research also showed that CEQ was strongly correlated with NPS, suggesting that the two metrics are synergistic. The findings demonstrate that there is provable value in exploring metrics beyond NPS that companies may be missing and thereby limiting their growth and competitiveness.

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