scholarly journals OPTIMIZATION OF SHARIA BANK CUAN IN THE INDUSTRIAL ERA 4.0

Author(s):  
Rida Alhamdi ◽  
Sugianto Sugianto ◽  
Saparuddin Siregar

Is how to develop products and services to boost productivity and competitiveness in the economic and business industries. As for the opportunities owned by Islamic banking to develop products and services to face industry 4.0, namely, the first is qualified human resources, the second is technological sophistication, and the third is the products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech). the three products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech). the three products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech).

Information ◽  
2021 ◽  
Vol 12 (3) ◽  
pp. 120
Author(s):  
Majid Ziaei Nafchi ◽  
Hana Mohelská

The emergence of the fourth industrial revolution (Industry 4.0, hereinafter I 4.0) has led to an entirely fresh approach to production, helping to enhance the key industrial processes and therefore increase the growth of labor productivity and competitiveness. Simultaneously, I 4.0 compels changes in the organization of work and influences the lives of employees. The paper intends to construct a model for predicting the allocation of human resources in the sectors of the national economy of the Czech Republic in connection with I 4.0. The model used in this research visualizes the shift of labor in the economic sectors of the Czech Republic from the year 2013 to the following years in the near future. The main contribution of this article is to show the growth of employment in the high-tech services sector, which will have an ascending trend.


2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Wimboh Santoso ◽  
Palti Marulitua Sitorus ◽  
Sukarela Batunanggar ◽  
Farida Titik Krisanti ◽  
Grisna Anggadwita ◽  
...  

Purpose The development of information technology is highly influential to all sectors, including the financial industry. Various transformations are made in overcoming the dynamics of technological advancements, including the mapping of human resources. This study is conducted in the banking industry and companies operating using financial technology (FinTech) in Indonesia. This study aims to identify talent competencies needed in the future, based on current conditions and future needs, through mapping talent in the banking and FinTech industries. Design/methodology/approach This study provides empirical evidence about the mapping of talent management with eight basic competencies. It uses a mixed-method, explanatory sequential with survey approach in the first phase and focus group discussions (FGD) in the second phase. The questionnaire is distributed to 309 respondents who are the specific decision-makers in this industry. Meanwhile, the FGD is conducted twice at different times with academics and practitioners, human resources and talent managers. This research used analytic hierarchy process as a tool for data processing. Findings This study provides current competency positions and future needs in the banking and FinTech industries in Indonesia where it found a lot of competence segregation. It also discovered three priority competencies for dealing with Industry 4.0, which included relating and networking, adapting and responding to change and entrepreneurship and commercial thinking. Practical implications This study is valuable for decision-makers and regulators; these results can be used to find new competencies and talents to develop existing human resources. Also, these results can be used as a basis for policy-making related to the Industrial Revolution 4.0. Originality/value This study provides new insights on talent mapping in the banking and FinTech industries as a strategic approach in the digitalization era. In addition, this research also adds knowledge related to Industry 4.0 as a result of industry developments in the digitalization era.


Author(s):  
Lucky Nugroho ◽  
Harnovinsah Harnovinsah ◽  
Yananto Mihadi Putra ◽  
Prinoti Prinoti

The dynamics of the use of digital technology in the industrial revolution era 4.0 has had an impact on the financial sector. One of them is the development of financial technology (fintech) in the form of online loan services. Furthermore, the flagship product from fintech is lending to micro and small entrepreneurs. Likewise, Islamic banks that have a focus on financing to micro and small entrepreneurs must be able to compete with fintech services in the era of the industrial revolution 4.0 that is happening at this time. The purpose of this study is to analyze the different mechanisms of micro-financing distribution between Bank Mandiri Syariah and microcredit UangTeman.com. The method used is qualitative, which is to compare the requirements, mechanisms, and margins imposed on the customers and the information obtained through secondary data, namely standard and operational procedures. Based on the results of the study, the requirements and procedures for granting loans to micro and small entrepreneurs at Bank Mandiri Syariah are longer compared to UangTeman.com. While the fines for late payment in installments and interest rates on UangTeman.com are higher than the fines and margins of Bank Mandiri Syariah micro-financing. Therefore to be able to improve products and services for micro and small entrepreneurs, Bank Mandiri Syariah conducts a review of business models and business


2016 ◽  
Vol 5 (2) ◽  
Author(s):  
Irma Safitri ◽  
Nadirsyah Nadirsyah ◽  
Darwanis Darwanis

The purposes of this research were to determine the effect of the financial performance of Islamic commercial banks in Indonesia on financing, both individually and simultaneously. The performance was measured through Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). These four independent variables to be tested influence on the dependent variable. This research used census method that includes all of the Islamic banks in Indonesia for observational data. Research data observation period from 2009 until 2013 a total of 11 banks. Multiple linear regression was used to analyze the data.The results of this study found that the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) affect the financing, both individually and simultaneously. Fluctuations in either an increase or decrease of financing that occurred in Islamic banking in Indonesia is determined by the four independent variables. That is to say, the four independent variables that have an important role in the financing of Islamic banking in Indonesia. =========================================== Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan bank umum syariah di Indonesia terhadap pembiayaan, baik secara parsial maupun simultan. Kinerja keuangan diukur melalui Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) Keempat variabel bebas tersebut akan diuji pengaruhnya terhadap satu variabel tidak bebas. Penelitian ini adalah penelitian sensus, yakni memasukan semua bank umum syariah yang ada di Indonesia ke dalam data pengamatan. Periode pengamatan data penelitian dari tahun 2009 s.d 2013 yang berjumlah 11 perbankan. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian ini menemukan bahwa Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh terhadap pembiayaan pada perbankan syariah di Indonesia, baik secara parsial maupun simultan. Fluktuasi baik itu peningkatan atau penurunan pembiayaan yang terjadi pada perbankan syariah di Indonesia ditentukan oleh keempat variabel bebas tersebut. Sehingga dapat dikatakan bahwa, keempat variabel bebas tersebut mempunyai peranan penting atas pembiayaan pada perbankan syariah di Indonesia.


Author(s):  
Erhan İşcan

The last two decades have witnessed unpredictable transformations in knowledge-related areas. The main reason for this change is the fourth industrial revolution, a knowledge revolution affecting fields like the bioeconomy. The third industrial revolution, which induced the use of fossil-based energy sources, created a major global problem. Likewise, the third industrial revolution introduced the problem of the excess usage of food, animals, water, and other resources. Industry 4.0 offers an efficient solution to excessive tendencies. This chapter aims to analyze changes and offer strategies in the bioeconomy framework within Industry 4.0.


Author(s):  
Cem Zafer ◽  
Pelin Vardarlier

The industrial revolution, which took place in the 20th century, is the first step of similar developments in the ongoing centuries. In the first steps of this century, the use of steam machines in production is the first steps of a more serial and systematic production structure. With the advancing developments up to the industrial revolution or Industry 4.0, a structure quite different from the initial stage was formed. In the most general sense, the Industry 4.0 structure, defined as the internet of objects, emerges with a more systematic and self-functioning structure discourse in its production activities, but its effects are not only related to production activities. As a matter of fact, the use of Industry 4.0 at the point reached, human resources, employment, social classes, communities, and so on. It is thought to be effective on the structures. In this context, in this study, the effects of the social impacts of these processes and the ways in which Industry 4.0 can create a social structure have been explained.


2018 ◽  
Vol 18 (2) ◽  
pp. 153
Author(s):  
Rizal Yaya ◽  
Ekta Sofiyana

<p><em>This research aims </em><em>at</em><em> </em><em>investigating </em><em>fa</em><em>c</em><em>tors </em><em>that influence </em><em>third parties funds (TPF) of Indonesian Islamic banks</em><em> </em><em>during the issuance of government retail sukuk 2012-2015.</em><em> </em><em>Data are taken from quarterly s</em><em>tatistical reports of </em><em>Indonesian </em><em>Islamic banking and analysed by using multiple linear regression. The results show that </em><em>r</em><em>e</em><em>t</em><em>ai</em><em>l </em><em>sukuk </em><em>has </em><em>negative </em><em>influence</em><em>, while offices number, company size, and return for the third parties</em><em> </em><em>have positive influence on </em><em>TPF collected</em><em>. As having negative influence, Islamic banks should anticipate future issuance of retail sukuk by improving their internal performance. Failing to anticipate it, they may suffer of decreasing amount of TPF.</em></p>


2019 ◽  
Author(s):  
Diana Hasan ◽  
Sunarti .

ThisresearchwasconductedatBankSyariahX.PrimarydataobtainedfromInterviews and Focus Group Discussion (FGD), was conducted by inviting several speakers to obtain information and discuss to obtain an explanation of how Financial Technology risk management in Banking services in Islamic Banks. Furthermore, the results of the Risk Management Analysis of Murabahah Financing at Syariah X Bank were found to be the factors that caused the occurrence of financing risks including HR (Human Resources) risk and operational risk. First, Liquidity Risk. Second, operational risk. Third, Legal Risk and Fourth, Reputation Risk. The findings indicate what factors occur and result in Risk in Financial Technology in Banking services and how to evaluate risk management in Syariah X Bank. Bank Syariah X implements several methods of Risk Management based on Bank Indonesia Regulation No. 13/23 / PBI / 2011 concerning the application of Risk Management. With such results, the author recommends that there is a need to prepare regulations relating to FinTech for more modern and safe Islamic banking services so that risks can be minimized and customers increase their understanding and knowledge for the convenience and security of transactions in Islamic banking. Furthermore, more rigorous and good steps need to be taken to manage risk-related problems in an effort to maintain the performance and performance of Islamic banks in maintaining their professionalism and improving their quality to be superior to other banks.


2018 ◽  
Vol 1 (1) ◽  
pp. 335
Author(s):  
Ridwan Muchlis

This study wants to know the development of applications created by Islamic banking in order to be able to utilize FinTech in an effort to accelerate the financing process. This technology is expected to facilitate services to customers in terms of financing products in Islamic banks. The variety of financing products in Islamic banking requires a more applicative system to make it easier for customers to understand, understand, and use these financing products with an application. But the development of this fintech application turned out to have several disadvantages. One of them is the need for an internet network that supports the efficiency of financing activities in Islamic banks and also the existence of cyber crime activities that make the interest of customers to use this application to be reduced. This type of research is qualitative research using the SWOT analysis method on 4 Islamic banks in Medan City. Based on the results of the research analysis, it is suggested that from the outset prepare regulations relating to FinTech financing. The risk can be minimized and customers increase their understanding and knowledge for transaction convenience and security in Islamic banking.


2019 ◽  
Vol 17 (2) ◽  
pp. 264-279
Author(s):  
Pertiwi Utami

ABSTRACT Digital banking and the accountability of good zakat can increase interest in paying zakat on the benchmarking of sharia. On the other hand, technological advances such as the use of artificial intelligence make the role of human resources shifted. Even though human resources (labor) are one of the potential sources of zakat revenue. Zakat literacy and interest in paying zakat are also low in Islamic banking. The researcher did not find zakat data in statistical reports on Islamic banks nationally. It seems that it was only found in the presentation of reports about the sources and uses of private Islamic bank zakat funds. This can lead to the perception that Islamic banks do not optimally manage zakat. Through literature studies, researchers provide a solution to how zakat management can be done to increase interest in paying zakat but can still maintain the use of human resources (work). The conclusion obtained is that interest in paying zakat on Islamic banks cannot be maximally realized if it is not supported by internal efforts. Efforts that can be made are transparency of zakat reports, increased literacy, acceleration and optimization of digital management of Islamic bank zakat.


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