Islamic Banking Assets Research Articles

SHARIA BANKING CONTRIBUTION TO INDONESIA'S ECONOMIC GROWTH DURING PANDEMIC

The background of the research is the issue of research on the growth conditions of Islamic banks in Indonesia during the pandemic to describe the contribution of Islamic banks to economic growth in Indonesia during this pandemic, the variables used are third-party funds, financing, total assets of Islamic banking and the pandemic. The research method uses quantitative by analyzing secondary data which is processed using Eviews 10 with the VECM method and using quarterly time-series data from 2010-2021.
 The results of the data processing using the VECM method showed several findings, namely: the variables of third-party funds, Islamic banking financing, and the pandemic had a negative effect and total Islamic banking assets had a positive effect on economic growth for a long time. Meanwhile, the results of the IRF test show that the response to economic growth in responding to shocks to these variables was unstable for 60 periods with contributions from third-party funds (4%), financing (7%), total Islamic banking assets (24%) and pandemics (6%).

The Islamic Finance Knowledge Level among Islamic Bank Employees: Case of Türkiye

In Turkey, the share of Islamic banking assets constitutes merely 7 per cent of the total banking assets even though 98.9% of the population is Muslim. It is known that financial literacy about Islamic financial products needed to be improved to make Islamic financial products acceptable to a wider variety of investors and business owners. In this study we directed 20 questions to the participation banks’ employees to measure their knowledge on the Islamic finance products and financing methods. For this purpose, 100 employees from various participation banks (private and state owned) participated in an online survey. The average of the correct answers given to 20 questions related to Islamic finance products, which were directed to measure the level of knowledge of participation banking personnel, is 54%.

The Impact of Human Resource Quantity and Number of Offices on the Performance of Islamic Banks Assets During the 2020-2021 Period

This study was conducted to determine how the quantity of human and the number of offices affect the performance of Islamic bank assets for the 2020-2021 period. The research method used is a descriptive-quantitative approach. The type of data used is secondary data from 2020-2021. Data were obtained from the OJK annual reports and analyzed through regression analysis, correlation, determination analysis, and hypothesis testing (t-test and F-test). The sample of 25 Islamic banks in Indonesia was statistically evaluated using the panel data regression method. The obtained results indicate that the quantity of human resources has a positive effect on asset performance because tcount > ttable, or (2.928766 > 2.01174) In the subsequent partial test, the value of tcount ttable is (1.092170 2.01174), indicating that the number of offices has no impact on assets performance. Following that, the F test of the simultaneous F count 5.945959 > F table 3.20 with a probability value of 0.004989 0.05 indicates that the number of human resources and the number of offices have a substantial impact on the performance of Islamic banks' assets.

PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN MUDHARABAH TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SYARIAH YANG TERDAFTAR DI OTORITAS JASA KEUANGAN (OJK)

This study aimed (1) to determine the effect of the capital adequacy ratio on return on assets at Islamic Commercial Banks registered with Otoritas Jasa Keuangan (Financial Services Authority ((OJK), (2) to investigate the effect of mudharabah return on assets at Islamic Commercial Banks registered with OJK, and (3) to find out the effect of the capital adequacy ratio and mudharabah return on assets at Islamic Commercial Banks registered with OJK. This reserach was conducted from July to August 2021. The type of research conducted was quantitative descriptive with an associative approach. The data source used was secondary data. The population used covered all financil statements of Islamic Commercial Banks (ICB) in Indonesia registered with OJK for the 2016-2020 period. The sampling technique used was the saturated sampling technique. The data was obtainedfrom times series of financial reports with a total of 60 samples. Observation and documentation were used as techniques in collecting data. The data analysis method used was multiple linear regression The results of this indicate that (1) partially, the capital adequacy ratio had a positive and significant effect on retun on assets at Islamic Commercial Banks (2) partially, mudharabah had no significant effect on return on assets at Islamic Commercial Banks, and (3) simulatneously, the capital adequacy ratio and mudharabah had a positive and significant effect on the return on assets of Islamic Commercial Banks. Based on the results of the research above, the capital adequacy ratio and mudharabah have a substantial influence on return on assets at Islamic Commercial Banks registered with OJK. Therefore, the bank can supervise and maintain the quality of the capital adequacy ratio and mudharabah on ROA in increasing the profit of the bank. The implication shows that both variables of capital adequacy ratio and mudharabahhave a good influence on return on assets because they have a positive impact or can manage to increase bank profit.

The Effect Of Third Party Financing And Funds On Total Assets In Sharia Financing Banks In Indonesia 2016-2020 Period

The specific purpose of this study is to determine the effect of Financing and Third Party Funds on the Total Assets of Islamic People's Financing Banks. The approach used in this research is a quantitative approach. The data used in the form of secondary data from the website of the Financial Services Authority (OJK). The population is monthly data from January 2016 to December 2020 period while the sample is annual data from 2016 to 2020. The research analysis carried out is multiple linear regression, classical assumption test (normality test, heteroscedasticity multicollinearity test and autocorrelation test), and test statistics (coefficient of determination (R2), statistical F test, and statistical t test). The results of this study are the variables of Financing and Third Party Funds have a significant effect simultaneously (simultaneously) on the variable Total Assets of Islamic People's Financing Banks.

Determinants of Total Assets of Sharia Commercial Banks in Indonesia

The purpose of this study is to analyze the factors that affect the total assets of Islamic commercial banks in Indonesia. This research data is time series data from January 2015 to September 2021 in the form of monthly results and processed using multiple linear regression. The results of this study indicate that the variables NPF, FDR, Number of Offices, Number of Workers, Inflation and Exchange Rate together affect the variable Total Assets of Islamic Commercial Banks

KONTRIBUSI INSTRUMEN PERBANKAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI INDONESIA TAHUN 2005-2021

This research aims to analyze the role of Islamic banks in economic growth. The writing of this research is motivated by the rapid development of Islamic banking in Indonesia which needs to be balanced with its contribution to economic growth. This research is based on research questions about the development of Islamic banks in Indonesia, and the contribution of Islamic banks to Indonesia's economic growth before and during this pandemic, through third party financing, financing, and Islamic bank assets in the Indonesian economy. The method used in this study is quantitative by analyzing secondary data processed by Eviews 10 using the VECM method and using quarterly time series data from 2005 to 2021. The results of the study using the VECM method show that Islamic bank third party funds have a positive effect, total bank assets Sharia has a negative effect, and financing has no long-term or short-term effect on economic growth. Based on tests conducted by IRF, the movement of economic growth in response to the shock of these variables has been volatile for the next 60 years. This means that Islamic banks play an important role in Indonesia's economic growth. The proposed solution is for Islamic banks to increase market share, increase the proportion of funding from the Mudharabah and Musyarakah programs, tighten regulations, improve quality and quantity, and keep up with technological advances.

Pengaruh Pembiayaan Mudharabah dan Non Performing Financing (NPF) Terhadap Rasio Profitabilitas pada Bank Umum Syariah Tahun 2016-2019

In Indonesia, since the issuance of the Banking Law and Law no. 23 of 1999 concerning Bank Indonesia as amended by Law no. 3 of 2004 which accommodates Islamic banking, since 1998 the national Islamic banking has developed quite rapidly, both in assets and business activities. This study aims to determine what factors affect Profitability as measured by Return On Assets (ROA) in addition to Mudharabah Financing and Non Performing Financing. The researcher limits the problems that will be discussed only on mudharabah financing and Non Performing Financing (NPF) to Profitability Ratios as measured by Return On Assets (ROA) of Islamic Commercial Banks. The research method in this thesis uses a quantitative approach. The number of samples is 64 data. The samples used are several banks in Islamic commercial banks, namely Bank Muamalat Indonesia, Bank BNI Syariah, Bank Mega Syariah and Bank Syariah Mandiri, the data is taken from 2016-2019 in the form of quarterly data. With secondary data type. The results obtained: Mudharabah financing variable has an effect but not significant on Return On Assets (ROA) with a significance value of 0.586 > 0.05, then accepted. And the Non Performing Financing (NPF) variable has a significant and significant effect on Return On Assets (ROA). obtained significance value is 0.000 < 0.05 then it is rejected. then hypothesis 3 is accepted with a significant value of 0.000 < 0.05 then Mudharabah Financing and Non Performing Financing (NPF) have a simultaneous and significant effect on Return On Assets (ROA).

The Effect of Mudharabah Financing Risks and Musyarakah Financing Risks on the Return on Assets of Islamic Commercial Banks in Indonesia

This study aims to analyze the effect of mudharabah financing risk and musyarakah financing risk on the Return On Assets of Shari'a Commercial Banks in Indonesia from 2016 to 2020. Sharia Commercial Bank is a Sharia bank that is related to sharia principles in carrying out its activities. The population in this study was 14 Islamic commercial bank companies in the 2016-2020 period. The sampling technique used is purposive sampling with a total sample of 11 companies. The data used is secondary data in the form of annual financial statements obtained from the website (www.ojk.co.id). The analytical technique used in this study is multiple linear regression. The results showed that the risk of mudharabah financing has a significant influence on Return On Assets, meanwhile, the risk of musyarakah financing did not affect the Return On Assets of Shari'a Commercial Banks in Indonesia during the 2016-2020 period.

The Effect of Non Perfoming Financing and Financing to Deposit Ratio On Return On Assets

Credit and liquidity risk analysis is one of the way to view the health of a bank, especially the development of Islamic bank in Indonesia. Some of previous studies examined the effect of credit risk and liquidity on the profitability of Islamic banks, but the results were not consistent. Therefore, this study uses credit risk (Non Performing Financing) and liquidity risk (Financing to Deposit Ratio) as variables that affect the profitability (Return on Assets) of Islamic banks. The sample of this study is 4 Commercial Banks of Islamic Exchange that listed on the Indonesian stock exchange during the 2014-2018 period. The research data is the annual report of bank which is obtained from the Indonesian Stock Exchange website and the data is processed by using multiple regression models. The result of this study indicates that Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) have a negative effect on Return on Assets (ROA).

ANALISIS PENGARUH RASIO SOLVABILITAS DAN EFISIENSI PERBANKAN TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2016-2020

This study aims to determine the effect of the Debt to Equity Ratio (DER), Debt to Asset Ratio (DAR) and Operating Costs of Operating Income on the Return on Assets (ROA) of Islamic Commercial Banks for the 2016-2020 period. This research is classified as causal research with quantitative approach. The data source used is a secondary data, namely the annual report of Islamic Commercial Banks. With purposive sampling technique, the number of samples obtained is 8 Islamic commercial banks. The data analysis method used in this study is multiple linear regression analysis with hypothesis testing measured through the t test and F test. The results of the study conclude that DER and DAR partially have no effect on the ROA variable at Islamic Commercial Banks in Indonesia in the 2016-2016 period. 2020. Operating Costs of Operating Income variable has an effect on the ROA. Meanwhile, the DER, DAR and Operating Costs of Operating Income variables simultaneously influence the ROA variable for Islamic Commercial Banks in Indonesia for the 2016-2020 period.

The Effect of Zakat Collection, Company Age, and Company's Total Assets on Financial Performance of Sharia Banking in Indonesia 2019-2020

This study aims to determine the relationship of the collection of Zakat, bank age, and total assets to the financial performance of Islamic banking in a sample of several Islamic banks in Indonesia in 2020 using multiple linear logistic regression test in the 2016-2020 period. The results show that company age and total assets of Islamic banks have a positive and significant effect on the spatial performance of Islamic banks. Meanwhile, what happened to the collection of zakat, the data showed that the collection of zakat of Islamic banks did not have a significant positive effect on the financial performance of Islamic banks. It is suspected that the large standard deviation of the zakat variable causes the first hypothesis to be unsupported. The existence of third party funds (DPK) is also suspected of having an effect on the unsupported first hypothesis.

Analisis Determinan Tingkat Pertumbuhan Total Aset Perbankan Syariah di Indonesia

Total assets of sharia banking in Indonesia ranked the 9th largest Islamic banking assets in the world with a total asset value of USD 37.7 billion and contributed 6.1% market share in the 3rd quarter of 2020. Despite that, the growth of Islamic banking assets experienced a slowdown from 2016 to 2020. Accordingly, it is important to identify critical factors for the growth of Islamic banking assets to accelerate the growth of the industry. This study examines the determinants of the growth of sharia banking assets which are represented by internal variables of TPF, FDR, and CAR, and external variables of GDP, Inflation, and BI Rate using the Error Correction Model (ECM) approach with secondary data samples from all BUS and UUS in Indonesia. The results showed that in the long term and short term, TPF and FDR variables have a positive and significant effect on the total assets of sharia banking, while the CAR and Inflation variables have a positive and insignificant effect, and the GDP and BI Rate variables have a negative and insignificant effect.

Influence Of CAR, FDR, BOPO, And TPF on the Profitability of Islamic Commercial Bank in Indonesia in the 2016-2020 Periode

This study aims to determine the effect of CAR, FDR, BOPO, and TPF on the profitability (proxied by return on assets) of Islamic commercial banks in Indonesia in the 2016-2020 period . Data analysis in this study used a quantitative descriptive method. Data collection uses secondary data using a purposive sampling technique. The population is Islamic commercial banks in Indonesia and took 7 Islamic commercial banks to be used as samples. The sample has been tested using the classical assumption test and the analytical method used is multiple linear regression analysis . The results showed that the independent variables, namely CAR, FDR, BOPO, and TPF simultaneously had a significant effect on the dependent variable, namely ROA of 82.3%. While partially, the BOPO variable has no significant effect on ROA, while the CAR, FDR, and DPK variables have no effect on ROA.

Analisis Determinan Atas Profitabilitas Bank Syariah Di Indonesia

This study aims to analyze the effect of Sharia Compliance, Operating Efficiency Ratio (OER) and Finance To Deposit Ratio (FDR) on the Profitability of Islamic Banks in Indonesia. The period used used is 2016-2020. The population in this study is Islamic Commercial Banks. This study uses a quantitative approach. The sampling method used in this research is purposive sampling. The total sample selected is 7 samples of Islamic Banks that meet the criteria. The analysis technique used is panel data regression with Eviews 10 software. The results of this study indicate that Profit Sharing Ratio (PSR) has no significant effect on Return On Assets in Islamic Banks, Zakat Performance Ratio (ZPR) has a significant effect on Return On Assets of Islamic Banks, Islamic Income Ratio (IsIR) has no significant effect on Return On Assets in Islamic Banks, Operating Efficiency Ratio (OER) has a significant effect on Return On Assets of Islamic Banks, and Financing To Deposite Ratio (FDR) has no significant effect on Return On Assets in Islamic Banks.

Pengaruh Sukuk Korporasi dan Total Aset Perbankan Syariah Terhadap Pertumbuhan Ekonomi di Indonesia Tahun 2016-2020

This study aims to determine the effect of corporate sukuk and total assets of Islamic banking on economic growth in Indonesia. This study uses two independent variables of corporate sukuk and total assets of Islamic banking with one dependent variable, namely economic growth. In this study, the population is data from the Financial Services Authority (OJK) and the Central Statistics Agency (BPS) regarding data on corporate sukuk, total Islamic banking assets and national economic growth for the last eight years, namely data from 2016 to 2020 with using data interpolation as much as 60 data and using a saturated sample technique, namely all data from 2016 - 2020. The data analysis method used is quantitative analysis with secondary data. The results of his research partially corporate sukuk have a positive and significant effect on economic growth. Partially, the total assets of Islamic banking have a negative and significant effect on economic growth. The value of t table is 1.67203. when compared with t count 8.086248 > from t table 1.67203, it can be said that corporate sukuk variables have an effect on economic growth. Then the variable total assets of Islamic banking has a t count of 10.22120 > from t table 1.67203, meaning that the variable total assets of Islamic banking has an effect on economic growth. Simultaneously (equally) the independent variables of corporate sukuk and total assets of Islamic banking have a significant and significant effect on economic growth with a probability value of 0.0000

The efficiency of Malaysian Islamic banks: Intermediation, production and operating approach

The Malaysian Islamic banking industry holds one of the top three market shares for global Islamic banking assets. Apparently, a dual banking system involving conventional and full-fledged Islamic banks are currently operating in Malaysia. The main objective of this study is to evaluate and compare the efficiency of conventional-owned Islamic banks and full-fledged Islamic banks using three banking approaches. To achieve this objective, information from the annual reports of 15 Islamic banks were utilised from 2011 to 2018. The findings provided mixed evidence subject to the different approaches of DEA methodology. Full-fledged Islamic banks outperformed conventional-owned Islamic banks in the intermediation approach, while conventional-owned Islamic banks outperformed in the production and operating approaches. The findings provide inputs for banks to increase their competency at the managerial level and for policymakers to sustain the growth momentum of the industry.

A Research on the Satisfaction of Islamic Banking Customer Services in Riau Province During the Covid-19 Pandemic

This research is motivated by curiosity about Islamic banking services in Riau Province during the Covid-19 pandemic. But before that, it is also important to examine customer knowledge on products and service facilities in Islamic banking, reasons customers choose Islamic banks, and reasons customers use both types of banks (Islamic banking and conventional banking). This research is a field research with survey technique. The population is Islamic banks customers in Pekanbaru and the samples in this study refer to the calculation of Hair et al with total assets of Islamic banks in 2020 as a consideration in determining proportional allocation. Sources of data in this research are primary and secondary data. While the data collection techniques using questionnaires and documentation. The data analysis technique uses descriptive statistics with a frequency distribution. The results of the research found that there are still many Islamic bank customers who do not know about specific Islamic bank products such musyarakah products, mudharabah products, ijarah products,and rahn services. The results also found that religious reasons are the main factor for customers in choosing of Islamic banks. The factor of ease of access to more branches is the main reason customers use both types of banks. Finally, the results of the research found that the most Islamic bank customers are satisfied with various aspects of the services provided by Islamic banks, while the five service aspects whith the highest level of customer satisfaction are Islamic bank staff friendliness, Islamic bank name and image, Islamic bank employee skills, confidentially Islamic bank customer data, as well as various kinds of facilities offered by Islamic banks. The results of this research are ini line with studies that have been conducted in Jordan and Kuwait, where the highest level of satisfaction is found in the name and image aspects of Islamic banks even though there are differences in respondent demographics and the condition of the Covid-19 pandemic.

ISLAMIC BANK ASSET GROWTH: PREDICTIVE ASSESSMENT TOWARD DOMINANT VARIABLES AFFECTING

This study departs from asset growth in Islamic banks which has decreased in the last four years even though assets have increased every year. This research is structured to be the basis for making policies to increase the growth of assets of Islamic banks. The research design used is quantitative with the help of smart PLS ver.3.3. The number of samples is 94 people from a population of 123 employees of Islamic Banks Serang and Cilegon Branch Offices with supervisory positions and above. The sample selection in this study uses probability sampling, so that all branch offices of Islamic banks in Cilegon and Serang as well as all supervisory work units have the same opportunity to be selected as samples. The results indicate that the ones that have the biggest influence in increasing the growth of Islamic bank assets are the financing to deposit ratio and non-performing financing. This can be seen from the path coefficient value resulting from this study between financing to deposit ratio on asset growth has a coefficient value of 2.818 and non-performing financing on asset growth has a coefficient value of 3.767. Thus, both financing to deposit ratio and non-performing financing influence increasing the growth of assets of Islamic banks. The results of this study emphasize to bankers to maintain the quality of financing to remain smooth and avoid non-performing financing.

A Study on the Need for VBI in Malaysian Islamic Financial Industry and its Shari'ah Perspective

The purpose of this paper is to highlight the need for Value-Based Intermediation (VBI) in Malaysia introduced by Bank Negara Malaysia (BNM) in March 2018, under the guidance of Shari'ah Advisory Council (SAC), which is the decisive authority in matters relating to Shari'ah, analyse the aim of VBI against that of SDGs in the light of Maqasid al-Sahri'ah, and to assess VBI from the perspective of Shari'ah. The growth of Islamic banking in Malaysia experienced a boost where the market share of Islamic banking assets grew from 7.1% in 2010 to 28% in 2016, but there has been a decline in Islamic finance's annual growth from 24.2% in 2011 to only 8.2% in 2016. There could be various reasons for this decline, such as maintaining a steady growth requires constant innovation in the products and services offered. However, innovation becomes difficult in case of IFIs, since they have to comply with legal and Shari'ah rules at the same time. Qualitative method of study is used for this paper. It is found in the study that VBI not only conforms with the principles of Shari'ah but also re-focuses IFIs to achieve the objectives of Shari'ah or fulfill Maqasid al-Shari'ah. The study also found that VBI is also in line with the SDGs, which are human-made goals presented to the world by United Nations around 2012. However, while SDGs are prone to changes and criticism, the objectives, or goals of Shari'ah are holistic, permanent, and divine. VBI is a concept applicable only in Malaysia's Islamic Finance Industry until the time this paper is written, and therefore, it focuses only on the Malaysian IFI. There is a need to understand why VBI was needed in Malaysian IFI despite each Islamic bank having their own Shari'ah committee and SAC of BNM and this paper will help develop that understanding.