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>

scholarly journals Analisis Kinerja Keuangan Bank Umum Syariah Sebelum dan Sesudah Pengalihan Dana Haji pada Bank Syariah

2021 ◽  
Vol 1 (2) ◽  
pp. 309-331
Author(s):  
Lisa Erliana Marwan ◽  
Iwan Setiawan ◽  
Ine Mayasari
Keyword(s):  
Financial Performance ◽  
Rank Test ◽  
Positive Contribution ◽  
Islamic Banks ◽  
Fund Management ◽  
Financial Report ◽  
Signed Rank ◽  
Before And After ◽  
Signed Rank Test ◽  
Conventional Banks

Government policy through UU No 34 Thn 2014 about Hajj Fund Management said that the Hajj Fund Management should with the principle of sharia. Then in 2014, there was a transfer Hajj Fund from Conventional banks to Islamic banks. Hajj Fund that transferred to Islamic banks have a large value so it can give positive contribution to the  financial performance such as DPK.The aim of this study was to find out the financial performance of 6 BPS BPIH before and after the transfer of Hajj Fund from conventional banks to Islamic banks. Taking case studies at PT. Bank Syariah Mandiri, PT. Bank BRI Syariah, PT. Bank BNI Syariah, PT. Bank Mega Syariah, PT. Bank Panin Dubai Syariah, and PT. Bank Muamalat.  The Data that used in this study is Return On Assets (ROA) and Financing to Deposit Ratio (FDR) in Quarterly Financial Report of 6 BPS BPIH,4 years before the transfer of hajj fund that started 2010 until 2013, and 4 years after the transfer of hajj fund that started from 2015 until 2018. The method of data analysis in this study uses a different samples in non parametrik, which is Wilcoxon Signed Rank Test. The result of this  study  shows us that there was a difference in ROA and FDR of BPS BPIH before and after the transfer of  hajj  fund  from  conventional  banks  to Islamic banks.

PERBEDAAN FINANCIAL PERFORMANCE PASCA SECONDARY OFFERINGS

Wahana ◽  
2019 ◽  
Vol 22 (1) ◽  
pp. 41-49
Author(s):  
Djaja Perdana ◽  
Herbowo Herbowo
Keyword(s):  
Financial Performance ◽  
Stock Exchange ◽  
Hypothesis Test ◽  
Poor Performance ◽  
Rank Test ◽  
Growth Ratio ◽  
Significant Difference ◽  
Before And After ◽  
Signed Rank Test ◽  
Asset Turnover

This study aims to examine the differences in corporate financial performance before and after secondary offerings. The financial performance is proxied by WCR, DER, Solvency, ROA, ROE, Asset Turnover (ATO) and Growth ratio which representing the value of liquidity, financing, activity, performance and growth of the firm. The study involved 67 samples of the companies listed on the Indonesia Stock Exchange conducting secondary offerings during 2008-2013 period and selected through purposive random sampling method and using Financial Statement data from 2005-2016 period. Hypothesis test is performed using Wilcoxon Signed Rank test. The results of this study indicate that there is no significant difference in the ratio of Solvency, ROA and ROE between before and after secondary offerings, but there are significant differences in the ratio of WCR, DER, Asset Turnover and Growth. WCR ratio after secondary offerings increased, while DER ratio after secondary offerings decreased, the condition of both ratios showed better performance. While the indication of poor performance seen in decreasing asset turnover ratio and growth ratio.Keywords : agency theory, financial performance, secondary offerings

scholarly journals Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh

2016 ◽  
Vol 3 (4) ◽  
pp. 84
Author(s):  
Sarwar Uddin Ahmed ◽  
Ashikur Rahman ◽  
Samuel Parvez Ahmed ◽  
G M Wali Ullah
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
Specific Rate ◽  
Islamic Banks ◽  
Loss Mechanism ◽  
Monthly Data ◽  
For Profit ◽  
Significant Difference ◽  
Conventional Banks ◽  
The Relationship

<p><em>Islamic banking is based on profit and loss mechanism where the use of interest is prohibited.  Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing.  However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits.  On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.</em></p>

scholarly journals Analisis Perbandingan Kinerja Keuangan Dan Ekonomi Sosial Bank Syariah Antara Sebelum Dan Sesudah Ditetapkannya Fatwa MUI Tentang Haramnya Bunga Bank

2017 ◽  
Vol 3 (12) ◽  
pp. 973
Author(s):  
Lia Auliah Rachmah ◽  
Nisful Laila
Keyword(s):  
Social Performance ◽  
Secondary Data ◽  
T Test ◽  
Quantitative Approach ◽  
Islamic Banks ◽  
Financial Reports ◽  
Significant Difference ◽  
Before And After

This study aims to find out the comparison between the performance of Islamic Banks including financial performances such as the ratio of ROA, ROE, FDR and CAR as wells economic and social performance such as MMR ratio before and after the determination of fatwa regarding the prohibition against bank interest. Quantitative approach and independent sample t-test has been used in this study. The data is a secondary data which was obtained by collecting the annual financial reports. The result of the independent sample t-test shows that there are significant differences between the performance of the Islamic banks before and after the fatwa on the ratio of ROE, FDR and MMR. Whereas on the ratio of ROA and CAR have no significant difference before and after the fatwa.

scholarly journals Effectiveness of Picture Story Books Reading to Increase Kindness in Children Aged 5-6 Years

2018 ◽  
Vol 12 (1) ◽  
pp. 89 ◽  
Author(s):  
Giyati Retnowati ◽  
Rose Mini Agoes Salim ◽  
Airin Y Saleh
Keyword(s):  
Test Score ◽  
Measurement Instrument ◽  
Rank Test ◽  
Average Score ◽  
Storybook Reading ◽  
Signed Rank ◽  
Significant Difference ◽  
Before And After ◽  
Post Test ◽  
Signed Rank Test

This research aimed to determine the effectiveness of picture in storybook reading to increase kindness in children. This research involved 31 children aged 5-6 years; they were taken from the kindergarten in Bandung as the participants. The intervention was done by reading eight picture books in eight days. The kindness was measured using a measurement instrument created by the researcher, in the form of nine coloured cards that described the behaviour of kindness. The measurement was also done by seeing through the kindness tree and observation sheets that filled out by the teacher. The data analysis using the Wilcoxon Signed-rank test shows a significant difference in the average score of kindness (p<0,05) before and after picture storybook reading. Two weeks after the intervention, the improvement on all kindness behaviours with the post-test score is greater than pre-test score that still can be found. Observation through kindness tree and observational sheets shows the same result.

Islamic Banking in GCC

2020 ◽  
pp. 1-16
Author(s):  
Eda Orhun
Keyword(s):  
Financial Crisis ◽  
Literature Review ◽  
Performance Comparison ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Financial Products ◽  
Gcc Countries ◽  
Before And After ◽  
Time Periods ◽  
Conventional Banks

This chapter offers a literature review discussing the origin, history, and the growth of Islamic Banking, especially in the GCC countries. It provides detailed information regarding how Islamic Banking evolved throughout the years and what are the current Islamic financial products. Another interesting topic covered in this literature review is the performance comparison of Islamic and conventional banks during different time periods. Accordingly, the chapter explores how the financial standing of Islamic banks altered in comparison to conventional banks before and after the financial crisis of 2008 by presenting earlier studies from various countries. It is concluded that some potential challenges and future opportunities of the Islamic Banking are yet to be explored.

scholarly journals SHARE VALUE DIFFERENCES PT. KIMIA FARMA TBK TOWARDS THE ACQUISITION OF SHARE EVENTS IN PT. PHAPROS TBK

2021 ◽  
Vol 11 (3) ◽  
pp. 247-258
Author(s):  
Revi Candra ◽  
Elmiliyani Wahyuni-S ◽  
Nailatul Hanifah
Keyword(s):  
Intrinsic Value ◽  
Market Value ◽  
Rank Test ◽  
Book Value ◽  
Value Differences ◽  
Signed Rank ◽  
Significant Difference ◽  
Before And After ◽  
Signed Rank Test ◽  
Quantitative Descriptive

TThis study aims to determine whether there is a difference in the value of the shares of PT. Kimia Farma Tbk. after the acquisition of PT. Phapros Tbk. The data used is the value of shares consisting of book value, market value, and the intrinsic value of shares of PT. Kimia Farma Tbk, which was taken ten months before the acquisition of PT. Phapros Tbk. by PT Kimia Farma Tbk. This study is a comparative study with a quantitative descriptive approach, data analysis using the Wilcoxon signed-rank test. The results of this study indicate that the book value of PT. Kimia Farma Tbk. which has a significant difference before and after the acquisition, while the indicators of the stock market value and the intrinsic value of PT. Kimia Farma Tbk. does not have a significant difference before and after the acquisition event. 

Pengaruh Terapi Murottal Al-Qur’an terhadap Penurunan Intensitas Nyeri Persalinan Kala 1 Fase Aktif Dilatasi Maksimal

2021 ◽  
Vol 3 (1) ◽  
pp. 25-30
Author(s):  
Ayu Safitri ◽  
Artika Dewie ◽  
Niluh Nita Silvia
Keyword(s):  
Rating Scale ◽  
Active Phase ◽  
Numeric Rating Scale ◽  
Labor Pain ◽  
Rank Test ◽  
Phase Method ◽  
Signed Rank ◽  
Significant Difference ◽  
Before And After ◽  
Signed Rank Test

Introduction: Pharmacological and non-pharmacological techniques are methods used to reduce labor pain. Non-pharmacological techniques in the form of distraction by listening to the murottal Al-Qur'an can be an option. The purpose of this study was to determine the effect of murottal Al-Qur'an therapy on reducing the intensity of labor pain during the 1st active phase. Method: The type of research used in this study was Pre Experiment, one group pretest-posttest research design. The population in this study were mothers who gave birth at the first stage of Sriwati PMB with a sample of 15 people. The pain was measured using the Numeric Rating Scale (NRS). Statistical analysis used the Wilcoxon Signed Rank Test with a confidence level of 95% (α = 0.05). The result of the statistical test, the value of p=0.001, which means that there is a significant difference in labor pain in women who give birth before and after listening to the Murottal Al-Qur'an. It is suggested to do non-pharmacological techniques to listen to Murottal Al-Qur'an as one of the techniques to reduce the first stage labor pain at PMB Sriwati.

Incentives for conventional banks for the conversion into Islamic banks: evidence from Bangladesh

2020 ◽  
Vol 11 (2) ◽  
pp. 273-287
Author(s):  
Yasushi Suzuki ◽  
S.M. Sohrab Uddin ◽  
A.K.M. Ramizul Islam
Keyword(s):  
Secondary Data ◽  
Current Mode ◽  
Regulatory Framework ◽  
Annual Reports ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Reserve Requirement ◽  
Content Type ◽  
Islamic Countries ◽  
Conventional Banks

Purpose The skyrocketing rise of Islamic banking is noticeable in not only Islamic countries but also non-Islamic countries during the past few decades. Many conventional banks have started Islamic banking generally by maintaining separate branches/windows and occasionally by pursuing a complete conversion strategy. Following the global trend, two of the full-fledged Islamic banks adopted a conversion strategy consecutively in 2004 and 2008 in Bangladesh. The number of the conversion case is still limited. At this backdrop, this study aims to identify the incentives in the conversion strategy into Islamic banks. Design/methodology/approach Using the secondary data from the annual reports of the sample banks for both pre- and post-conversion periods, this study adopts the “case study” approach upon the comparison with the performance of conventional banks and other types of Islamic banks. Findings It is apparent that higher reserve requirement for conventional banks provides the incentive for the conversion into Islamic banks given with less reserve requirement. Under the protective regulatory framework, these converted Islamic banks may have enjoyed the rent for learning during the initial phase after the conversion, even though majority of the funds of these banks are collected from high-cost mudaraba time deposits. Basically, the credit strategy of the converted banks has been quite conservative, resulting in the concentrated portfolio selection on the asset-backed financing. However, the recent engagement of these banks in the Shari'ah-based participatory financing makes their performance a bit vulnerable. Research limitations/implications It is becoming difficult to justify a protective regulatory framework for incubating infant Islamic banks if the rent for learning given under the framework would not encourage them to challenge and absorb the risk and uncertainty associated with Shari’ah-based participatory financing. The current mode of profit–loss sharing (PLS) makes it difficult for the regulators to create an appropriate incentive for Islamic banks to challenge the equity-based financing. Originality/value The number of the conversion case is limited. Less has been done to investigate the reasons why the conventional banks opt for the conversion into Islamic banks, particularly in Bangladesh.

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

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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