Abstract
This research is conducted because there are still many fraud cases in Islamic bankings. This fraud is related to the behavior of managers and the employees in Islamic banking institutions. Therefore this fraud should be eliminated by applying the Islamic Work Ethics or moral values that exist in Islamic teachings. Based on this, this research aims to determine the understanding and application of Islamic Work Ethics in Islamic banking institutions. The research is a preliminary survey in an sharia bank in Bandung using qualitative research method. This method is carried out through interviews with the employees and leaders at Bank Syariah Indonesia . The results of interviews with the employees are then triangulated with the results of interviews with the leaders. This research is not a generalization. The results show the understanding and application of Islamic Work Ethics by employees and leaders at Bank Syariah Indonesia in Bandung . This study provides an overview to the government regarding the application of Islamic Work Ethics in Islamic banks. Keywords : Islamic Work Ethics , AKHLAK , Bank Syariah Indonesia. DOI: 10.7176/IKM/11-4-07 Publication date: July 31 st 2021
Highlights
The current development of Islamic banking performance has not met the expectation of various stakeholders
The results show the understanding and application of Islamic Work Ethics by employees and leaders at Bank Syariah Indonesia in Bandung
Based on the results of the interviews with three employees representing the three banks that joined BSI, as well as triangulation of a leader at Bank Syariah Indonesia, the results of the qualitative analysis can be concluded that: 1) The Islamic Work Ethics in Bank Syariah Indonesia, namely AKHLAK is the core values set by the government for all BUMN in Indonesia
Summary
The current development of Islamic banking performance has not met the expectation of various stakeholders. The financial performance of sharia banking has decreased in recent years. This is due to the increasing number of non-performing loan over the last three years. Based on the data from OJK ( Financial Services Authority) by August 2020 (OJK, 2020) the number of non-performing financing in 2018 was 6.6 trillion rupiahs, increased from 7.2 trillion rupiahs in 2019 to 7.7 trillion rupiahs in July 2020. The decline in sharia banking performance as evidenced by the large number of non-performing financing is caused by the many cases of deviation/ fraud committed by managers and employees at sharia banking institutions such as cases of fictitious financing worth 1.1 trillion rupiahs by authorized officials at Bank Syariah Mandiri (Saiman, 2018, Bank Syariah Mandiri Allegedly Provides Fictitious Financing of 1.1 Trillion rupiahs, via http://cnnindonesia.com [6/1/19, 16.50 wib). In 2019, there was a case of embezzlement of customer funds as much as 35 billion rupiahs at Bank Syariah Mandiri (MAKI, 2019, the Corruption Case of Bank Syariah Mandiri Simalungun Street in Place, via http://fin.co.id [5/11] /19, 10.00 am)
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