Financial Stability of Islamic Banks; A Case Study of Pakistan

2017 ◽  
Vol 4 (4) ◽  
pp. 1-8
Author(s):  
Inayat Ullah ◽  
Umar Saddozai ◽  
Iqtidar Hussain ◽  
Abdur Rehman
Keyword(s):  
Financial Stability ◽  
Islamic Banks

The Influence of Attitudes, Subjective, Norms, and Behavior Controls on Intention to Choose Islamic Banks With Islamic Religiosity as a Moderating Variable (Case Study at Bri Syariah Purwokerto Customers)

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Akhmad Khoyrun Najakh ◽  
Dwiwiyati Astogini ◽  
Sri Martini
Keyword(s):  
Behavioral Control ◽  
Sampling Technique ◽  
Subjective Norm ◽  
Subjective Norms ◽  
Islamic Banks ◽  
Control Behavior ◽  
Before And After ◽  
And Behavior ◽  
Number Of Customers

The purpose of this study was to analyze the influence of attitudes on the intention to choose Islamic banks, to analyze the effect of subjective norm on the intention to choose Islamic banks. to analyze the effect of the control behavior of the intention to choose the Islamic banks, to analyze the moderating influence of religiosity on the relationship attitudes, subjective norms and behavioral control of the intention to choose the Islamic banks . The method used is a survey with a sampling technique used purposive sampling with a sample size of this study was 100 respondents . Further analysis tools used in this study is multiple regression analysis using SPSS 16.0 software . Based on this study it can be concluded that the attitude does not affect to the intention of choose Bank BRISyariah. Subjective norm positive effect on intention choose Bank BRISyariah. Control behavior does not affect to the intention choose Bank BRISyariah. Relationship between Attitudes, Subjective Norms and Behavior Control with the intention to select Bank BRISyariah not moderated by religiosity.Based on these conclusions can be said that the Bank BRISyariah should improve understanding related to the subjective norm in order to increase the number of customers who use the services of Islamic Banking . Further research is recommended in order to follow up and develop this research to further explore the independent and dependent variables continued before and after behavioral intention or intention to perform a specific action .

Analisis Pembiayaan Dana Talangan Haji untuk  Biaya Perjalan Ibadah Haji

2018 ◽  
Vol 1 (2) ◽  
pp. 228-244
Author(s):  
Asmawarna Sinaga ◽  
Anjur Perkasa Alam ◽  
Fariz Arkan ◽  
Sri Wahyuni Hasibuan
Keyword(s):  
Islamic Law ◽  
Field Research ◽  
Interactive Methods ◽  
Islamic Banks ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Collection Data ◽  
Definition Of ◽  
The Cost

  Analysis of the amount of financing the hajj bailout for the cost of the pilgrimage (Case Study of Bank Sumut Syariah Sub-Branch Stabat).Asmawarna Sinaga and Anjur Perkasa Alam. Hajj financing is a loan from a sharia bank to customers to cover the shortage of funds to obtain a seat (seat) Hajj at the time of repayment BPIH (Hajj Travel Expenses). This financing product uses the Qardh Wal Ijarah principle. The purpose of this research is to know the view of Islamic law against financing of Hajj bailout fund and to know the view of Islamic law about ujrah fee on akad of bailout fund of Hajj. This research is field research. The definition of the Hajj bailout is a bailout fund from a bank to a special customer to cover kekurangandana to cover the lack of funds to obtain a portion number at the time to pay the cost of organizing the pilgrimage. The research design uses a qualitative approach with non-statistical analysis While the data analysis techniques use content analysis and interactive methods consisting of data reduction, data collection, data presentation and conclusion. The results of this study note that the akad bailout funds in Islamic banks contain multi-akad, where the contract used qardh and ijarah is allowed. While the view of Islamic law regarding the taking of ujrah fee on hajj bailout fund is not in accordance with sharia due to the percentage of ujrah fee based on qardh fund.

scholarly journals Corporate social responsibility, social and financial performance: The case study of the loan appraisal process of the Rwanda Development Bank

2018 ◽  
Vol 15 (3) ◽  
pp. 47-56
Author(s):  
Gianfranco A. Vento ◽  
Helen Chiappini ◽  
Giuseppe Lia
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Financial Stability ◽  
Development Bank ◽  
Social Mission ◽  
Appraisal Process ◽  
The Social ◽  
Development Banks ◽  
Corporate Social

Development banks play an active role in smoothing growth of world’s disadvantaged areas. The social mission of development banks requires that they pay attention to corporate social responsibility (CSR) and to the social outcome of financing activities. However, like any other financial institution, they must consider the business sustainability and the financial stability over time. Thus, a comprehensive loan appraisal process should include financial and social aspects. Literature does not properly investigate development banks loan appraisal process, thus the aim of this paper is to contribute to this stream of literature, analysing how development banks can include the evaluation of social and environmental variables within their loan appraisal process. For the purpose of the research, we employed a case study of the Rwanda Development Bank (BRD). The BRD loan appraisal process combines the evaluation of typical aspects of corporate social responsibility – like the firms or projects compliance to health and safety regulations or the implementation of the code of ethics including diversity policies – with the evaluation of social and environmental impact, as well with financial aspects. The BRD social impact assessment is also valuable because it follows the criteria of proportionality of loans evaluation, balancing completeness of information with the cost of the assessment.

scholarly journals Uang Elektronik: Praktik dan Substansi Dari Perspektif Keuangan Syariah (Studi Kasus: BCA Flazz & Go-Pay)

2021 ◽  
Vol 4 (2) ◽  
pp. 133-145
Author(s):  
Adi Martono ◽  
Yuddy Yudawirawan
Keyword(s):  
Open Space ◽  
Study Data ◽  
Point Of View ◽  
Islamic Banks ◽  
Muslim Community ◽  
Electronic Money ◽  
Bank Deposits ◽  
The World ◽  
Conventional Banks

The use of electronic money as a transaction tool in everyday life is a necessity, people use the money to pay for various needs such as buying goods in the marketplace, buying food online, KRL train tickets, paying toll tickets and others. On the other hand, the use of electronic money in society raises questions, especially for Muslims. Is electronic money as a medium of exchange in accordance with the Qur'an and As-Sunnah? Several Indonesian Muslim scholars who are concerned about the practice of Muamalah Maaliyah have given their thoughts and opinions on the use of electronic money. This paper is a step in answering this question. This paper will try to provide an explanation why the use of electronic money is not in accordance with the Qur'an and As-Sunnah. This research uses case study – qualitative research as research methodology. For this study, data were collected from documentation: Bank Indonesia regulations, the fatwa of the Sharia Council-Indonesian Ulema Council (DSN-MUI), fatwas of world scholars, instructions for the use of electronic money from banks/issuing companies, participant observations and observations, namely as users of electronic money who also use electronic money. Experienced as a banker in a state-owned bank. Using this method, this research will explore and explain how electronic money is managed and why some Muslims doubt this money. The conclusion of this study is that Bank Indonesia as the regulator and DSN-MUI issued a fatwa and this is in line with the fatwa issued by Majma' al-Fiqh al-Islami under the World Muslim League in its decision No. 86, 3/9 explains that “bank deposits, both in Islamic banks and conventional banks, from the fiqh point of view are debt, having different views on the concept and characteristics of electronic money used in Indonesia. The solution to this problem is that Bank Indonesia as a regulator needs to open space so that electronic money that is in accordance with sharia provisions can be realized so that the interests of the Muslim community are met. Abstrak Penggunaan uang elektronik sebagai alat transaksi dalam kehidupan sehari-hari adalah suatu keniscayaan, masyarakat menggunakan uang tersebut untuk membayar berbagai keperluan seperti membeli barang di marketplace, membeli makanan secara online, tiket kereta api KRL, membayar tiket tol dan lain-lain. Di sisi lain, penggunaan uang elektronik di masyarakat menimbulkan pertanyaan terutama bagi umat Islam. Apakah uang elektronik sebagai alat tukar sesuai dengan Al-Qur'an dan As-Sunnah? Beberapa cendekiawan muslim Indonesia yang concern terhadap praktik Muamalah Maaliyah telah memberikan pemikiran dan pendapatnya tentang penggunaan uang elektronik. Tulisan ini merupakan langkah dalam menjawab pertanyaan tersebut. Tulisan ini akan mencoba memberikan penjelasan mengapa penggunaan uang elektronik tidak sesuai dengan Al-Qur’an dan As-Sunnah. Penelitian ini menggunakan studi kasus – penelitian kualitatif sebagai metodologi penelitian. Untuk penelitian ini data dikumpulkan dari dokumentasi: ketentuan Bank Indonesia, fatwa Dewan Syariah-Majelis Ulama Indonesia (DSN-MUI), fatwa ulama sedunia, instruksi penggunaan uang elektronik dari bank/perusahaan penerbit, observasi dan observasi partisipan yaitu sebagai pengguna uang elektronik yang juga berpengalamanan sebagai bankir di bank milik pemerintah. Dengan menggunakan metode ini, penelitian ini akan mengeksplorasi dan menjelaskan bagaimana uang elektronik dikelola dan mengapa sebagian umat Islam meragukan uang ini. Kesimpulan dari penelitian ini adalah Bank Indonesia selaku regulator dan DSN-MUI yang mengeluarkan fatwa dan ini sejalan dengan fatwa yang dikeluarkan oleh Majma’ al-Fiqh al-Islami di bawah Liga Muslim Dunia dalam keputusannya No. 86, 3/9 menerangkan bahwa “simpanan bank, baik di bank Islam maupun bank konvensional, dari sudut pandang fiqih merupakan hutang, memiliki pandangan yang berbeda mengenai konsep dan karakteristik uang elektronik yang digunakan di Indonesia. Solusi dari permasalahan ini adalah Bank Indonesia sebagai regulator perlu membuka ruang agar uang elektronik yang sesuai dengan ketentuan syariah dapat diwujudkan sehingga kepentingan masyarakat muslimin terpenuhi. Kata Kunci: Uang Elektronik, Bank, Penerbit Uang Elektronik, Riba

scholarly journals Analysis of Comparison of Islamic Banks with Online Micro In Disbursements of Micro-Financing Based on Requirements, Services Speed and Margin (Case Study of Micro-finance at Bank Mandiri Syariah and Micro Credit Uangteman.com)

2020 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Lucky Nugroho ◽  
Harnovinsah Harnovinsah ◽  
Yananto Mihadi Putra ◽  
Prinoti Prinoti
Keyword(s):  
Interest Rates ◽  
Digital Technology ◽  
Business Models ◽  
Industrial Revolution ◽  
Secondary Data ◽  
Financial Sector ◽  
Islamic Banks ◽  
Financial Technology ◽  
Micro Credit

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

scholarly journals Determinan Dana Pihak Ketiga Bank Umum Syariah Di Indonesia

2021 ◽  
Vol 2 (2) ◽  
pp. 226-236
Author(s):  
Dadang Husen Sobana ◽  
Ricky Hamzah ◽  
Sri Habibah
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Gross Domestic Product ◽  
Commercial Banks ◽  
Financial Stability ◽  
Research Method ◽  
Third Party ◽  
Domestic Product ◽  
Islamic Banks ◽  
Macroeconomic Conditions

Third-party funds at Islamic commercial banks in Indonesia fluctuated. The factors that determine the accumulation of third-party funds are essential for Islamic banks' financial stability and management. This study aims to show and describe the effect of gross domestic product and inflation on third-party funds partially and simultaneously. The research method used is descriptive-associative with a quantitative approach. The population used is Islamic commercial banks in Indonesia. Data analysis using multiple linear regression. The results show that gross domestic product and inflation partially affect third-party funds in Islamic commercial banks in Indonesia. Meanwhile, simultaneously gross domestic product and inflation have a significant effect with a contribution of 85.5% to third-party funds in Islamic commercial banks in Indonesia. The increase in third-party funds depends on Indonesia's macroeconomic conditions, the dominant macroeconomic influencing the collection of third-party funds in Islamic commercial banks in Indonesia.

scholarly journals EVALUATION OF DUAL BANKING SYSTEM IN BANKING IN INDONESIA

2020 ◽  
Vol 11 (2) ◽  
Author(s):  
Amanatun Nisfah Nurun Nikmah ◽  
Tulus Suryanto ◽  
Surono Surono
Keyword(s):  
Financial Stability ◽  
Banking System ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Common Goal ◽  
The Face ◽  
Capital Access ◽  
Conventional Banks ◽  
Banking Institution ◽  
Negative Factors

Evaluation of Dual Banking System in Indonesia. Dual Banking System is the application of two banking systems in one banking institution, namely conventional banking and Islamic banking. Indonesia can optimize the dual banking system through strength share and weakness cover, namely Islamic banks are generally superior in terms of a more stable system in the face of market changes but have deficiencies in infrastructure, whereas conventional banks have large market and capital access and more infrastructure complete, but very vulnerable to crises due to the negative factors of economic integration which are already very strong. The superiority of the dual banking system concept is seen in two separate systems that operationally do not affect each other, but have one common goal, namely financial stability that supports economic growth. So, to achieve this goal the two systems can work together in external factors such as access to capital, infrastructure, supervision or clearing systems that can help interbank liquidity.

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