scholarly journals Variabel Determinant of Financing Risk, Financing Performance and Zakat in Islamic Banks Indonesia

2021 ◽  
pp. 57-69
Author(s):  
Riska Uswatun Khasanah ◽  
Ahmad Roziq ◽  
Agung Budi Sulistiyo
Keyword(s):  
Quantitative Research ◽  
Islamic Banks ◽  
Financing Risk ◽  
Financing Performance ◽  
Profit Share

This study aims to find out, test, and prove the influence of sharia financing on financing risk, financing performance, and zakat of Islamic Banks in Indonesia. This research uses a form of quantitative research with a type of exoplanet research. The sample of this study was 12 Islamic Banks in the period 2015-2019. The results of this study found scheme financing influence the risk of financing. Buying and selling financing affects the performance of financing, but not profit-share financing and ijarah financing obtained insignificant to the performance of financing. Buying and selling financing is not significant to zakat, while revenue-share financing and ijarah financing are significant to zakat. Financing risk significant to financing performance. Financing performance significant towards zakat. The findings of this study show that management should be able to manage to buy and selling financing, yield share financing, and ijarah financing to minimize financing risk. Management's ability to manage and minimize financing risks can improve financing performance so that increased financing performance will also increase the company's zakat. Management's ability to manage and minimize financing risks can improve financing performance so that increased financing performance will also increase the company's zakat.

scholarly journals The Effect of Islamic Financing Schemes on Risk and Financing Performance in Islamic Banks in Indonesia

2021 ◽  
Vol 10 (1) ◽  
pp. 17
Author(s):  
Ahmad Roziq ◽  
Hari Sukarno
Keyword(s):  
Quantitative Research ◽  
Secondary Data ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Financial Reports ◽  
Islamic Bank ◽  
Inner Model ◽  
Financing Risk ◽  
Financing Performance ◽  
Financing Schemes

The purpose of this study is to prove the effect of the financing scheme on financing risk and financing performance in Islamic banks in Indonesia. This research applies a form of quantitative research with the type of explanatory research that aims to accept or reject hypotheses. The population in this study are Islamic banks in Indonesia. The data used in the study are secondary data in the form of financial ratios sourced from Islamic bank financial reports for 2015 to 2019. Data analysis techniques use partial least squares which are used to test the inner model and outer model. The results of the study found that the sharia financing scheme that uses the buying and selling system and the profit sharing system has a significant effect on the risk of financing. However, the sharia financing scheme that uses the lease system has no significant effect on financing risk. The results also found that financing risk has a significant effect on the performance of Islamic bank financing in Indonesia. The results showed that the management of Islamic banks must be able to manage buying and selling financing and profit-sharing and profit-sharing financing schemes carefully and minimizing the risk of financing.

ANALISIS RISIKO AKAD MURABAHAH DI PERBANKAN SYARIAH

INFO ARTHA ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 67-74
Author(s):  
Masruri Muchtar
Keyword(s):  
Financial Services ◽  
Investment Risk ◽  
Islamic Banks ◽  
Literature Study ◽  
Legal Risk ◽  
Strategic Risk ◽  
Risk Return ◽  
Reputation Risk ◽  
Financing Risk ◽  
Almost All

Every financing funded by Islamic banks always contains a risk, including murabahah contracts. The risks faced by Islamic banks are very diverse and multifaceted in line with innovations in the financial and banking products offered. This study is to conduct a critical analysis of the practice of murabahah contracts that have been carried out by almost all Islamic banks in Indonesia. The analysis is carried out with reference to ten categories of risk regulated in the Financial Services Authority (OJK) Regulation number 65/POJK.03/2016. This study uses a qualitative approach in the form of a literature study to describe the problem identified. The results show that financing with a murabahah contract takes various risks, namely: financing risk, market risk, liquidity risk, operational risk, legal risk, reputation risk, strategic risk, compliance risk, return risk, and investment risk. The implication is that Islamic banks shall give attention to all those risks that have been identified by preparing mitigation efforts

PENGARUH PEMBELAJARAN INSERT EKONOMI SYARIAH, PENGETAHUAN PRODUK, LINGKUNGAN SOSIAL DAN RELIGIUSITAS TERHADAP MINAT MENABUNG DI BANK SYARIAH

2021 ◽  
Vol 5 (2) ◽  
Author(s):  
Nur Lita Faridah ◽  
Luqman Hakim ◽  
Tri Sudarwanto
Keyword(s):  
Social Environment ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Boarding School ◽  
Multiple Linear Regression Analysis ◽  
Product Knowledge ◽  
Islamic Banks ◽  
Ex Post ◽  
Analysis Technique ◽  
Ex Post Facto

This study aims to analyze the effect of the research variables including the insertion of Islamic economics, product knowledge, social environment and religiosity on interest in saving at Islamic banks in high school/MA students at Darul Ulum Islamic Boarding School. This research is a quantitative research using ex-post facto method. The population and sample in this study were students of SMA/MA Darul Ulum Islamic Boarding School class XI IIS with a total of 378 and the number of samples used was 100 students. Data collection techniques using a questionnaire. The data analysis technique used multiple linear regression analysis. The results showed that the insertion of Islamic economics learning and the social environment had a significant effect on students' saving interest in Islamic banks, while product knowledge and religiosity variables had no effect on interest in saving in Islamic banks. Simultaneously, the insertion of Islamic economics learning, product knowledge, social environment and religiosity affect the interest in saving in Islamic banks in the students of the Darul Ulum Islamic Boarding School Jombang.Key word: Economic Learning Insert Sharia Economics, Product Knowledge, Social Environment, Religiosity, Interest in Savings in Islamic Banks 

scholarly journals Risk Analyses on Islamic Banks in Indonesia

2020 ◽  
Author(s):  
Dimas Bagus Wiranatakusuma ◽  
Imamuddin Yuliadi ◽  
Ikhwan Victhori
Keyword(s):  
Time Series ◽  
Financial Services ◽  
Time Series Data ◽  
Liquidity Risk ◽  
Series Data ◽  
Islamic Banks ◽  
Monthly Basis ◽  
Income Ratio ◽  
Financing Risk ◽  
Risk Vulnerability

This study aims to analyze the risks on Islamic banks in Indonesia by identifying which risk is significantly dominant in triggering other risks to happen. For that purpose, the study uses time series data on a monthly basis from 2010:M1 to 2018:M8. The data are obtained from the Financial Services Authority (OJK) Indonesia and analyzed using vector autoregression (VAR). Some variables are employed to proxy risk vulnerability including financing-to-deposit ratio (FDR) as a proxy of liquidity risk, nonperforming financing (NPF) as a proxy of financing risk, and cost-to-income ratio (BOPO) as a proxy of operational risk. The findings suggest that financing risk is the most dominant risk triggering vulnerability on Islamic banks in Indonesia.

scholarly journals Efficiency and Rentability of Islamic Banks in Indonesia

INOVATOR ◽  
2020 ◽  
Vol 9 (1) ◽  
pp. 41
Author(s):  
Sugeng Haryanto ◽  
Yanuar Bachtiar ◽  
Wildani Khotami
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Bank Efficiency ◽  
Macroeconomic Factors ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Financing Risk ◽  
Quantitative Descriptive

<table border="1" cellspacing="0" cellpadding="0"><tbody><tr><td valign="top" width="454"><p><em>This study aims to analyze the influence of macroeconomic factors, efficiency, risk, financing to deposit ratio and CAR on the rentability of Islamic banks. This research is a quantitative descriptive. The study period was conducted in 2010-2019, with quarterly data. The data source is secondary data. Data collection techniques are done by documentation. Data is taken from www.ojk.go.id and www.bi.go.id. The type of data used is quantitative data. The research variables are rentability, efficiency, financing risk, FDR, Capital Adequacy Ratio (CAR) and macroeconomic data in the form of GDP and inflation. Rentability is measured by Nett operating margin (NOM), bank efficiency is measured using BOPO and financing risk is measured by non-performing financing (NPF). The analysis technique used is multiple linear regression. The results showed that the GDP variable did not affect rentability. Efficiency, risk, and CAR affect rentability. FDR does not affect rentability</em><em>.</em></p></td></tr></tbody></table>

scholarly journals TATA KELOLA DAN RISIKO BANK SYARIAH DI INDONESIA PERIODE 2008-2016

2018 ◽  
Vol 14 (2) ◽  
pp. 172
Author(s):  
Siti Mutmainah
Keyword(s):  
Corporate Governance ◽  
Central Bank ◽  
Audit Committee ◽  
Risk Control ◽  
Supervisory Board ◽  
Islamic Banks ◽  
Research Focus ◽  
Financing Risk

This study investigates the effect of corporate governance on Islamic bank’s risk in Indonesia during 2008-2016. The bank’s governance consists of board of commissioner (including risk control committe and audit committee), management, and sharia supervisory board. Because of the existence of these boards is a mandatory, hence this research focus on the amount of members and meetings in each board and committee. Results show that the amount of meetings held by management and risk control committee negatively influence the financing risk. This research implies the Islamic banks to strenghten their governance to control their banks’ risk. This research also recommends Central Bank and National Sharia Board to be more effective in performing its supervisory function.

Are Malaysian Islamic banks’ corporate social responsibilities effective? A stakeholders’ view

2018 ◽  
Vol 36 (1) ◽  
pp. 111-125 ◽  
Author(s):  
Haruna Babatunde Jaiyeoba ◽  
Abideen Adeyemi Adewale ◽  
Mahmud Oluwaseyi Quadry
Keyword(s):  
Factor Analysis ◽  
Quantitative Research ◽  
Islamic Banks ◽  
Content Type ◽  
Social Responsibilities ◽  
Confirmatory Factor ◽  
Islamic Financial Institutions ◽  
Research Findings ◽  
Using Data ◽  
Corporate Social

Purpose The purpose of this paper is to investigate the effectiveness of Islamic banks’ corporate social responsibility (CSR) using data collected from stakeholders in Malaysia. While Islamic scholars have developed the Islamic CSR from the Qur’anic verses, the Sunnah of the Prophet (SAW) and from the western ideologies, the focus of this paper is to assess the effectiveness of the developed Islamic CSR practices. Design/methodology/approach Quantitative research design was adopted for this study. Exploratory factor analysis, confirmatory factor analysis, and other analyses are performed on the data collected from 193 stakeholders in Malaysia. Findings Based on the data collected and analyzed, the results show that stakeholders view the Malaysian Islamic banks’ CSRs as effective. Research limitations/implications This study investigates the effectiveness of Malaysian Islamic banks’ CSR based on the survey data collected. However, future studies could explore this in greater depth using mixed methods. Practical implications The research findings have great implications for researchers. Since this study is among the few research studies that investigate the effectiveness of Islamic CSR, the researchers have paved ways for further investigation in this area. In addition, the study encourages the Malaysian Islamic banks and other Islamic financial institutions to contribute more to the society. Originality/value The study examines the effectiveness of Islamic banks’ CSR and contributes to the growing discussions on the Islamic CSR. The study has opened up this area for further investigations by other researchers.

scholarly journals ANALISIS MANAJEMEN RISIKO PEMBIAYAAN MURABAHAH DI PT BPRS ARTHA MADANI KANTOR PUSAT BEKASI

Paradigma ◽  
2020 ◽  
Vol 17 (2) ◽  
pp. 6-20
Author(s):  
Zahrina Wardatul Fawziyah ◽  
Isfandayani
Keyword(s):  
Risk Management ◽  
Management Strategy ◽  
Management Strategies ◽  
Islamic Banks ◽  
Risk Management Strategy ◽  
Strategy Analysis ◽  
Internal Factors ◽  
Legal Risk ◽  
Risk Management Strategies ◽  
Financing Risk

Risk management is an important effort that must be made by Islamic Banking to minimize risk. This research is a qualitative research and the methods used are interviews, documentation, and observation. The research objective was to determine the types of risks in murabahah financing and the strategy of PT. BPRS Artha Madani in overcoming these risks and to find out the analysis of the implementation of risk management strategies carried out by PT. BPRS Artha Madani Head Office Bekasi.Based on the results of the study it is known that the risk management strategy analysis of PT. BPRS Artha Madani using Bank Indonesia Regulation No. 13/23/PBI/2011 and 5 C principles consist of Character, Capacity, Capital, Collateral and Condition of Economy. However, despite implementing the risk management strategy, banks continue to experience risks, namely in the form of: credit risk (in Islamic banks called as financing risk), operational risk and legal risk due to bank internal factors in analyzing and external factors from customers.PT. BPRS Artha Madani in resolving troubled financing with intensive billing, reprimand to customers if they do not fulfill their obligations, make a restructuring by rescheduling, reconditioning and restructuring if the financing can still be normalized. However, if there is no hope and the Customer is not able to, then the solution is guaranteed that can be auctioned through litigation or non-litigation channels.

scholarly journals Moderation of Non Performing Financing on Natural Uncertainty Contracts To The Profitability of Islamic Commercial Bank In Indonesia

2020 ◽  
Vol 4 (02) ◽  
Author(s):  
Taudlikhul Afkar ◽  
Grahita Chandrarin ◽  
Lilik Pirmaningsih
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Time Series Data ◽  
Equation Model ◽  
Series Data ◽  
Islamic Banks ◽  
Business Managers ◽  
Quantitative Research Methods ◽  
Research Results ◽  
Analysis Technique

This study intends to provide an overview of the consistency of research results with theoretical and empirical points of view, it is done because many research results are inconsistent with the theory. Quantitative research methods are used to make generalizations using a sample of 14 Islamic Commercial Banks in Indonesia with time series data collection techniques for 5 years. The data analysis technique used is multivariate analysis using the Warp PLS structural equation model. The results showed that the level of profitability of Islamic banks is always overshadowed by the occurrence of credit risk that causes non-performing financing from financing of the type of natural uncertainty contracts because it is type of financing is a financing that does not provide certainty of results. The results of this study are consistent with agency theory that explains the existence of information asymmetry, and consistent with the theory of mixing that by providing opportunities to manage business to business managers (mudharib/mustyarik) without interference from the owner of the fund (shaibul maal) can lead to the risk of default and thus affect the ability of Islamic banks to obtain profitability.

scholarly journals Exposure to Interbank Investment and Financing Risk by Islamic Banks: A Dynamic Panel Analysis of Malaysia

2019 ◽  
Vol 10 (12) ◽  
Author(s):  
Mohammad Taqiuddin Mohamad ◽  
Ahmad Azam Sulaiman Mohamad ◽  
Khairul Hamimah Mohammad Jodi ◽  
Nazri Muslim
Keyword(s):  
Panel Analysis ◽  
Islamic Banks ◽  
Dynamic Panel ◽  
Financing Risk ◽  
Investment And Financing ◽  
Dynamic Panel Analysis
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