ANALISIS PENGARUH PENDAPATAN BANK SYARIAH DAN PENDAPATAN BANK KONVENSIONAL TERHADAP PROFITABILITAS BANK (Studi Kasus Pada Bank BRI Syariah dan Bank BRI Umum)

This study aims to determine the effect of Islamic bank revenues and Conventional Bank Revenues on bank profitability (a case study at BRI Syariah and BRI Conventional). It uses scond data obtained by documentation and literature methods. The samples are quarterly data revenues received by BRI Syariah from 2012 to 2019, quarterly data of revenues received by BRI Conventional from 012 to 2019, and quarterly data on ROE of Bank BRI from 2012 to 2019. The data analysis program with the multilinear method regessionand with help of Eviews program. The results partially show that Islamic bank and conventional bank revenues doesn’t has significant profitability effect to profitability of Bank BRI. Simultaneously, Islamic bank and conventional bank revenues do not significantly influence Bank BRI profitability. The magnitude effect of Islamic bank and conventional bank revenues on Bank BRI profitability is 0.06 (6%), and the remaining 11-0. 06 = 0.94 (94%) can be explained outside of this research model.

Does globalisation have an impact on dual banking system productivity in selected Southeast Asian banking industry?

PurposeGlobalisation has influenced many countries, over the last few decades with financial globalisation and liberalisation bringing regulatory reforms in the banking sector. Thus, this study aims to fill a gap in the literature by examining the influence of globalisation on Islamic and conventional bank productivity in Southeast Asia.Design/methodology/approachThe sample comprised 155 banks (23 Islamic and 132 conventional) from 4 countries from 2008 to 2017. Panel data techniques will be used, together with data envelopment analysis (DEA)-based Malmquist productivity index (MPI), to investigate the impact of chosen main determinants on bank productivity. A panel regression analysis will be performed after generating the productivity index from the DEA-based MPI frontier.FindingsAccording to the findings, Islamic banks are statistically significantly more productive than conventional banks, and the findings of the t-test are corroborated by the findings of nonparametric tests. Furthermore, the findings of the panel regression model reveal that bank specific factors and macroeconomic variables are significant determinants to bank productivity. Surprisingly, the findings also show that the influence of social globalisation elements tends to be negatively related to conventional bank productivity.Originality/valueThis study adds to the existing literature by bridging the globalisation gap in the productivity of the dual banking industry, particularly in the specific context of Southeast Asia, given that the area is representative of Islamic and finance globally.

Contribution of conventional bank lending for agricultural sector in Indonesia

This study examines the determinant contribution of conventional bank lending for the agricultural sector in Indonesia. The analysis method used in this research is the Vector Correction Model (VECM). The results showed that in the short term, there was no significant effect of the Non-Performing Loan (LogNPL), GDP of Agricultural Sector (LogPDB), and Agricultural Sector Credit Interest Rates (SBK). However, there is an effect of the LogNPL and LogPDB on the conventional bank lending for the agricultural sector in the long term. The LogNPL has a significant positive effect on the contribution of conventional bank lending to the agricultural sector. While the LogPDB has a significant negative effect on the contribution of conventional bank lending for the agricultural sector. The Impulse Response Function (IRF) analysis results show that shocks to the LogNPL respond negatively in the long run, shocks to the LogPDB respond positively in the long run, and shocks to the SBK respond negatively in the long run by conventional bank lending for the agricultural sector. Through the analysis of FEVD (Forecast Error Variance Decomposition), it is known that the biggest contribution to conventional bank lending for the agricultural sector is agricultural credit and GDP.

PENGARUH PEMBIAYAAN PERBANKAN SYARIAH TERHADAP KUALITAS LINGKUNGAN HIDUP TINGKAT PROVINSI DI INDONESIA

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh pembiayaan perbankan Syariah terhadap Indeks Kualitas Udara tingkat provinsi di Indonesia pada periode 2011-2018. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis regresi data panel. Data penelitian ini berjenis data sekunder yang bersumber dari KLHK, BPS, BPH Migas, OJK dan mencakup 33 provinsi di Indonesia. Hasil penelitian menunjukkan bahwa secara simultan pembiayaan perbankan syariah, kredit bank konvensional, konsumsi energi, PDRB Manufaktur, jumlah penduduk, luas kebakaran hutan dan lahan berpengaruh signifikan terhadap Indeks Kualitas Udara provinsi Indonesia tahun 2011-2018. Sedangkan secara parsial, pembiayaan perbankan Syariah memiliki hubungan negatif namun tidak signifikan terhadap Indeks Kualitas Udara dikarenakan market share masih kecil, pembiayaan yang dilakukan masih didominasi sektor konsumtif dan pengawasan OJK cenderung longgar sehingga pengawasan terhadap pembiayaan perbankan syariah baru sebatas tahap sebelum pembiayaan. Kredit bank konvensional dan konsumsi energi berpengaruh negatif signifikan terhadap Indeks Kualitas Udara serta luas kebakaran hutan dan lahan memiliki hubungan negatif namun tidak signifikan terhadap Indeks Kualitas Udara. Sedangkan jumlah penduduk berpengaruh positif signifikan terhadap Indeks Kualitas Udara serta PDRB Industri Manufaktur memiliki hubungan positif namun tidak signifkan terhadap Indeks Kualitas Udara.Kata Kunci: Pembiayaan Perbankan Syariah, Lingkungan Hidup, Indeks Kualitas Udara. ABSTRACTThis study aims to determine the effect of Islamic banking financing on Air Quality Index at the provincial level in Indonesia in 2011-2018 period. This study uses quantitative approach with panel data regression analysis techniques. This research data is secondary data, sourced from KLHK, BPS, BPH and includes provincial level data, namely 33 provinces in Indonesia. The results showed that simultaneously Islamic banking financing, conventional bank credit, energy consumption, manufacturing GDP, population, forest and land fires had significant effect on the Indonesian provincial Air Quality Index in 2011-2018. Meanwhile, partially, Islamic banking financing has a negative but insignificant relationship to the Air Quality Index because the market share is still small, the financing carried out is still dominated by the consumptive sector and OJK supervision tends to be loose so that supervision of Islamic banking financing is only limited to the stage before financing. Conventional bank credit and energy consumption have significant negative effect on the Air Quality Index and the area of forest and land fires has a negative but insignificant relationship to the Air Quality Index. Meanwhile, the population has a significant positive effect on the Air Quality Index and GDRP of the processing Industry has a positive but insignificant relationship to the Air Quality Index.Keywords: Islamic Banking Financing, Environment, Air Quality Index.

Banking and Economic Growth: Comparison between Islamic and Conventional Banking in Malaysia

This study investigates the contribution of conventional banking and Islamic banking to economic growth in Malaysia. Return on assets, return on equity representing the profitability, total deposit, representing bank development, and several indicators such as total government expenditure, trade openness, and gross fixed capital formation were independent variables. In contrast, the dependent variable was GDP per capita. The study utilised secondary data collected from the Fitch Connect database and Datastream database. This study used a sample of 10 Islamic banking and 10 Conventional banking. The study found that the Islamic banking system variable can influence Malaysia's economic growth. ROA and Ltdep are found significant and have positive effect to economic growth, but ROE has adverse effects. On the other hand, the results show that ROA in Conventional bank does not have a relationship with economic growth. However, other banking indicators such as ROE and total deposit are significant to economic growth. Based on the ROE results, ROE Islamic bank contributes more to economic growth than Conventional bank because the percentage that contributes to the decreases of economic growth for Islamic banks is lesser than Conventional bank. The results also showed that Islamic banking provides an efficient channel for productive resources and monitors the use of the funds by the participation of business ventures, leading to bank profitability and then economic growth. This study also stressed on total deposit indicator as a proxy to bank development. This study found that total deposit for the both banking system is significant to economic growth. However, the contribution of banking development in conventional banking is much better than by Islamic banking. However, the gap of differences is too small, which shows that Islamic deposits can cope with conventional deposits.

DETEKSI FINANCIAL DISTRESS BAGI PERUSAHAAN BANK UMUM YANG TERDAFTAR DI BEI (BURSA EFEK INDONESIA) SAAT PANDEMI COVID 19

The purpose of this study is to examine the effect of macro economy, risk profile to firm performance and Financial Distress in Conventional Bank foreign exchange go public listed in Indonesia stock exchange at pandemic covid 19. The sample used in this research is 44 companies with 1 years observation from 2019-2020 (Covid-19). Analysis of research data using Desriptive Qualitative. The results showed: Macro economy has a significant effect on firm performance and also significant effect on Financial Distress. Risk Profile significant effect on firm performance And have significant effect onFinancial Distress, firm performance significantly influence the Financial Distress

DETERMINANTS OF INDONESIAN CONVENTIONAL AND ISLAMIC BANK DEPOSITOR TRUST DURING THE COVID-19 PANDEMIC

Depositor trust plays an essential role in the banking sector. The main objective of this study is to test several factors that significantly affect depositors’ confidence in conventional and Islamic banks in Indonesia during the COVID-19 pandemic. We conducted qualitative research with a sample of 217 customers who had a minimum of two bank accounts, one conventional, and one Islamic. In a questionnaire, customers were asked their opinions related to indicators of the variables studied, such as depositor trust, and their perceptions of inflation, conventional bank interest, the equivalent yield rate of Islamic banks, and industry perception Productivity Index. The results of the questionnaire were analysed using the partial least squares (PLS) method. The PLS analysis results show that the indicators related to conventional bank interest and the equivalent yield rate of Islamic banks significantly affected depositors’ trust and hands. In other words, customers were influenced when making bank deposits by the factors related to conventional bank interest and the equivalent yield rate of Islamic banks. The external aspect of the industrial production index based on the PLS test had a significant effect on depositors’ trust in both types of bank. In contrast, the external factor of inflation did not significantly affect depositors’ trust in either conventional or Islamic banks. Therefore, based on the PLS-SEM results, conclusions can be drawn regarding the factors influencing depositor trust.

Praktik Akad Istishna' Paralel dalam Jual Beli Rumah di PT. Berkah Rangga Sakti Kecamatan

Today the need for a place to live is a factor in the community to meet their daily needs, even though they do not have enough money, people are competing to own a house, so that many people get a place to live by paying in installments with various systems in their respective places of residence. Application of a parallel istishna 'contract in buying and selling houses in a company PT. Berkah Rangga Sakti, which is engaged in selling houses, has met the requirements and principles that apply in the shari'ah economy. But in the financing of PT. Berkah Rangga Sakti did not use a Syari'ah Bank but a conventional bank due to the difficulty of accessing the Syari'ah Bank, which provides home financing in the Bangkalan area.