Bank Financial Institutions Research Articles

The Effect Of Macroeconomic Variables And Sukuk Issuance Value On Profitability Of Sharia Commercial Banks In Indonesia

The growth and development of bank financial institutions is largely determined by the level of profitability resulting from their operational activities. This study aims to find out how the influence of bank external factors in the form of macroeconomic variable indicators consisting of inflation, bi-rate, exchange rate, economic growth, and bank internal factors in the form of the value of issuance of sukuk. This study uses a quantitative method, with multiple linear regression analysis. The results of the study indicate that together the variables of inflation, exchange rate bi-rate, economic growth, and the value of sukuk issuance have a significant effect on profitability. While partially the inflation variable has a significant negative effect on profitability, bi-rate has a negative and insignificant effect on profitability, the exchange rate has a significant negative effect on profitability, economic growth has a positive and significant effect on profitability, and the value of sukuk issuance has a negative and insignificant effect on profitability Commercial Sharia Banks in Indonesia for the 2010-2020 period.

PENGARUH PERCEIVED EASE OF USE TERHADAP INTENTION TO USE QRIS BCA MOBILE DENGAN PERCEIVED USEFULNESS SEBAGAI VARIABEL MEDIASI

Economic activity cannot be separated from the influence of technological and information development. One of the evidences of technological development in economic field is the availability of various cashless transaction pattern. Indonesian Bank and Indonesian Payment System Association launch QRIS is an integrated digital payment instrument. PT Bank Central Asia is one of the banking financial institution that offers QRIS service in BCA Mobile application. The convenience and benefit that are offered by QRIS BCA Mobile do not always run well. The purpose of this research is to look for the influence of between perceived ease of use on intention to use, perceived usefulness on intention to use, perceived ease of use on perceived usefulness, and perceived ease of use on intention to use through perceived usefulness as mediation variable. This research uses Structural Equation Modelling Partial Least Square (SEM PLS) data analysis method. Data in this research that is obtained by distributing questionnaires to 130 respondents of QRIS BCA Mobile users. The results of this research are there is influence between perceived ease of use on intention to use, perceived ease of use on perceived usefulness, perceived usefulness on intention to use, and perceived ease of use on intention to use with perceived usefulness as mediation variable.

Legal Protection Of Bank Financial Institution Brand Against Username Squatting Through Twitter Accounts Based On The Trademark Law And The Electronic Information And Transaction Law

The use of a brand as a Twitter social media account is one way for brand owners to introduce their goods and/or services as well as a guarantee for their quality. The rise of fake Twitter accounts on behalf of the financial institution Bank Mandiri proves that trademark infringement does not only occur conventionally, but also through the scope of cyberspace. Writing this normative law aims to determine the qualifications for the act of using a bank's financial institution brand as a Twitter social media account and to determine what legal action should be taken by Bank Mandiri against those who use its brand without rights and permission. This research is a legal study employing the normative juridical approach method, a type of legal writing that is conducted by examining library data. The study applies a qualitative analysis method, connecting legal principles, norms, and theories to determine legal qualifications and consequences. The results show that using trademarks as social media accounts should be based on principles, including legal certainty, good faith, and neutrality within technology. Civil law measures offer a proportional legal remedy, seeking compensation for economic harm suffered. This study suggests the need for specific regulations to prohibit the registration and use of trademarks as social media accounts in the virtual space. This research contributes to the understanding of trademark protection in cyberspace, and provides legal guidance for financial institutions to address trademark misuse on social media platforms.

BANKING INSTITUTIONS AND AGGREGATED INDICATORS FOR FINANCIAL STABILITY ON THE ROMANIAN BANKING MARKET

In times of crisis, the behaviour of the participants in the economic process changes, they being forced to adapt to new times, at a rapid pace. It reflects prudence and a reorganization from all points of view regarding the activities of companies. The scientific research aims to analyse the behaviour of banking institutions in times of crisis, but also in periods of economic growth based on aggregate indicators that reflect the evolution of banking financial institutions over a period of 15 years, starting from the economic crisis from 2008 and ending with 2022. At the same time, the scientific approach makes a brief presentation of Romanian banking sector at the end of 2022 from the perspective of shareholding and market share for the main banks in Romania in order to better understand their position these in the market.

Pembukaan Prinsip Kerahasiaan Bank sebagai Perbuatan Melawan Hukum

Banking secrecy is known in many countries in the world that have a bank financial institution. Banking secrecy is one of the most important principles. This is because one bank's development and growth are very dependent on public trust. Confidentiality of information that is born in banking activities is needed for the benefit of the bank and also the interest of the customer itself. This research discussed the function of the banking financial institution in protecting their customers through banking secrecy and the form of the tort of law against banking secrecy in judicial proceedings linked to the case. The method used in this research is juridical normative research. Data are collected by literature and document studies and then analyzed using descriptive qualitative analysis. The results of this research indicate that to overcome problems with banking secrecy, interference from the authorities in the consumer protection sector in the financial services field is needed that is, the Financial Services Authority institution, in Indonesian, is called Otoritas Jasa Keuangan. The institution is expected to be able to protect customers from financial service businesses that are considered to harm the interests of customers. In the case, the customer sued the bank for violating banking secrecy based on the tort of law that is contrary to the bank’s legal obligations and the law as referred to in Article 40 Paragraph 1 of the Banking Law.

Intellectual Property Based Financing: Juridical Review of Government Regulation Number 24 of 2022 And Relevance of Establishing Intellectual Property Rights Appraisal Institution

The issuance of Government Regulation Number 24 of 2022 is the hope for achieving an advanced national economy through the utilization of intellectual property rights as collateral objects in bank and non bank financial institutions. However, this is faced with the absence of an intellectual property rights appraisal institution in Indonesia. This paper aims to: (i) explain intellectual property-based financing arrangements based on Government Regulation Number 24 of 2022; and (ii) describes the establishment of an intellectual property rights appraisal institution in Indonesia. The author uses a normative juridical research method with a statutory and comparative approach. The results of the writing show that: 9i) Government Regulation Number 24 of 2022 regulates intellectual property-based financing schemes through bank and non-bank financial institutions; and (ii) the discourse on establishing an institution to assess intellectual property rights in Indonesia trough laws and regulations. This independent institution functions to set standards for valuing intellectual property rights and valuing intellectual property rights to be used as collateral for financing trough bank and non-bank financial institutions.

Perlindungan Hukum Penerima Jaminan Fidusia Atas Barang Persediaan Dengan Surat Perintah Penyerahan (Delivery Order) Sebagai Bukti Kepemilikan Barang Jaminan

When it comes to trading at the highest level, it cannot be separated from other industries, namely the financing industry, both by bank financial institutions and non-bank financing institutions. At the highest level traders who directly buy and sell with producers in need of substantial funds to make purchases even though their existence makes the purchase price that will be obtained of course be at the lowest level with the number of purchases at the highest level as well, so this is where the role of the financing industry, where financial institutions will support traders by providing loans or credit, of course, with a guarantee of certain repayment. This research uses normative juridical research so that it is expected that from this research the truth can be obtained based on the scientific logic of law from a normative side, especially with the considerations of the panel of judges in deciding case Number 781/Pdt.G.2015/PN.JKT.Sel. The research approach that will be used is the statutory approach (statute approach), concept approach and case approach. The results of this study found that in the Fiduciary UUJF the authors argue that there is no provision related to the guarantee of legal protection for special fiduciary recipients such as recipients of fiduciary guarantees whose fiduciary guarantee objects are not under the control of the owner or fiduciary giver because of the characteristics of a Delivery Order. Order) does not conflict with the provisions of article 1 UUJF.

Corporate Governance, Quality of Financial Statements, Firm Size, and Financial Stability on Fraudulent Financial Reporting on Listed Indonesia Stock Exchange Banking Institutions

This study examines the impact of corporate governance, quality of financial statements, firm size, and financial stability on fraudulent financial reporting at bank financial institutions listed on the Indonesia Stock Exchange from 2014 to 2017. Beneish M-Score measures fraudulent financial reporting. Sample selection uses purposive sampling consisting of 172 observations. Logistic regression is used as an analysis technique. Testing results showed that audit committee, quality of financial statements, Firm size, and financial stability affect fraudulent financial reporting. At the same time, independent commissioners have no impact on fraudulent financial reporting.

Studi Kelayakan Pembangunan Pabrik Baterai Sepeda Motor Listrik di Kawasan Jiipe, Kabupaten Gresik, Jawa Timur Oleh PT “X”

in the future Indonesia will become a battery producer for electric vehicles in the world with one abundant main ingredient, namely nickel. PT "X" is a company that will be engaged in the production of electric vehicle batteries, especially for electric motorbikes, the product produced is an electric battery with a power capacity of 8 kWh and plans to build its industry in the JIIPE Gresik area, with a production capacity of 48,216 units or 385,728 kWh. With a total investment cost of Rp. 118,224,586,566, -, of which 70% is financing with loans to bank financial institutions. From the results of the financial feasibility analysis, an IRR value of 44% was obtained with an NPV value of Rp. 984,601,222, and the return on investment is 3 years, and according to the criteria above, the EV motor battery factory construction project can proceed to the next stage

Pengaruh Pengetahuan Produk, Media Promosi Dan Word Of Mouth Terhadap Pemahaman Masyarakat Memilih Bank Syariah

Bank financial institutions in Indonesia can generally be divided into Islamic banks and conventional banks. Basically, both Islamic banks and conventional banks carry out activities to collect and distribute funds to the public, but all forms of activities carried out by Islamic banks must be in accordance with sharia principles. Competition between Conventional Banks and Islamic Banks in Indonesia is one of the things that has become the focus of attention of banking managers, especially with regard to customers, moreover, Indonesian Islamic Banks are still relatively new as a result of the unification of several Islamic Banks. This study aims to see how much influence product knowledge, promotions and word of mouth have on people's understanding of choosing Islamic banks. This research is a research with a quantitative approach and uses primary data. The population in this study is the people of Jambi City, especially those who adhere to Islam. The population in this study is the people who adhere to Islam in the city of Jambi, which is 612,162 people. The sampling technique used is probability sampling so that the number of samples used is 100 respondents. The results of the study show that together the variables of product knowledge, promotion and word of mouth influence people's understanding of choosing Islamic banks. Likewise with the individual, the results of the study show that the variables of product knowledge, promotion and word of mouth have an effect on people's understanding of choosing an Islamic bank with the significance level of each variable being the same, namely equal to 0.000 and the tcount value of each variable is 3.809 for X1, 3,617 for X2 and 5,823 for X3.

Juridical Review of Imposition of Deeds for Granting of Collective Rights in Sharia Banking in Indonesia

This study aims to describe and then find out how the granting of Mortgage Deeds institution Sharia Banking Finance made by Land Deed Officials regulated in the Regulation of the Head of the National Land Agency Number 8 of 2012 concerning Amendments to the Regulation of the Minister of Agrarian Affairs/Head of the National Land Agency Number 3 of 1997 concerning Provisions for Implementation of Government Regulation Number 24 of 1997 concerning Registration Land As well as affiliated provisions. By using the Normative Juridical research method with the conclusions: 1. The granting of Mortgage Guarantees for financing contracts in Islamic banking is guided by the Mortgage Law which proves the occurrence of a mixture of two principles in the implementation of mortgage guarantees in Indonesia; 2. Formulation of the Mortgage Deed Institution Islamic Banking Finance uses the same formulation as Conventional Banking Financial Institutions, so it needs to be designed separately for the Formulation of the Deed of Imposing Sharia Mortgage on several Sharia terminologies.

The Application of Fiqh Principles in Contemporary Sharia Transactions in The Development of Innovative Products of Islamic Financial Institutions in Indonesia

The innovation product in Islamic financial institutions is one of the strategies that has an important role in the midst of a competitive market. Increasing institutional capacity and the availability of diverse and efficient Islamic financial industry products is one of the missions in optimizing the development of Islamic finance. The program to increase the availability and diversity of Islamic financial types available in various products, in Islamic banking institutions and non-Islamic bank financial institutions, including the Islamic capital market, shows that the market share of Islamic financial industry products is still limited when compared to conventional financial products. In Indonesia, all stakeholders of the Islamic financial industry must always synergize and harmonize between sharia economic law and applicable laws and regulations. The Qur'an, Al-Hadith and Ijma' gave birth to the rules of fiqh. The rules of fiqh aim to establish Islamic law in various issues that are new and continue to develop along with the times, especially developments in sharia financial institutions in various kinds of economic transactions or muamalah maliyah. The rules of fiqh are a form of ijtihad. The rule of fiqh is an ease of knowing contemporary laws, especially various kinds of economic problems that do not have much nash sharih (definite postulates) in the Qur'an and al-Hadith. In economic problems that develop in Islamic financial institutions, the rules of fiqh are used to facilitate mastering the problems of furu'iyyah (branches) which are many (countless) and continue to grow

The Role of Banking in Micro, Small and Medium Enterprises (Study of BPRS Saruma Financing in the Agriculture and Fisheries Sector)

Micro, Small and Medium Enterprises (MSMEs) as pillars supporting the Indonesian economy need special attention, including banking financial institutions, because the contribution of the MSME sector to the national economy is quite large. Sharia People's Financing Bank (BPRS) Saruma Sejahtera Halmahera South Regency has carried out all the systems that have been established in accordance with the mandate of law number 21 of 2008 concerning Islamic banking, namely providing financing based on contracts that do not conflict with sharia principles, namely profit sharing that does not harm the party customers include Micro, Small and Medium Enterprises (MSMEs) so that they can run their businesses. BPRS Saruma Sejahtera Halmahera Selatan with a Financial intermediation function can encourage economic activity, because it can lead to a flow of funds from parties who are not productive to those who are productive in managing funds. Furthermore, this will help the economy to become more efficient and dynamic. This research is a qualitative research, it is hoped that it will be able to find out how far the alignment of Islamic banking is in the real sector, namely Micro, Small and Medium Enterprises (MSMEs). The results of this journal research are to find out the basic procedures for analyzing financing or credit from the Saruma Sejahtera Halmahera Selatan Syariah People's Financing Bank to MSME actors, both businesses in the agricultural and fisheries sectors.

Legal Institutions Facilitating Institutions as Determinants of Banking Operational Policy Direction

This study aims to examine the role of bank facilitating institutions and their functions in relation to the policy of banking business activities in Indonesia in carrying out the management system and work system of the bank. In this study the authors used explanatory qualitative research methods, data were obtained from official sources related to information regarding the roles and functions of facilitating institutions with Islamic banking financial institutions as well as from book reference sources and other relevant references. The author finds that overall the bank facilitator institution plays an important role as an institution that supports the running of Islamic bank activities in a proportional and orderly manner. And the authors found that according to LPS information, so far there have been no Islamic banks, especially those that have failed banks or banks whose existence needs to be saved. The essence of the role and function of the facilitating institution is very closely related to financial institutions. And each institution has different authorities, functions and duties in supervising, overseeing, protecting, resolving problems, issuing fatwas related to bank products and regulations regarding work systems. The main function of the bank facilitating institution is to support bank business activities so that they run effectively and in a sound and orderly manner.

Peran Pemerintah Terhadap Kelompok Tani Di Kelurahan Kamasi Kecamatan Tomohon Tengah

This research aims to determine the big role of the sub-district government in farmer groups in Kamasi sub-district, Central Tomohon sub-district. This research was carried out in November to January 2023 starting from preparation, data collection to preparing research results reports. The data used in this research are primary data and secondary data. Primary data was obtained directly from the source through surveys and interviews using a list of questions with members of the Farmer's Group, while secondary data was obtained from the Kamasi Village office. Based on the research results, it shows that the government is very good towards farmer groups in collaborating to market agricultural products, assisting with facilities and infrastructure, conducting agricultural training and counseling and facilitating sources of capital for farmer groups to support the farmer group's needs. The Government's role is very good, although it is not optimal in its role in accessing capital sources for farming because there are no Cooperative and Bank financial institutions.

Determinants of financial inclusion: Evidence from Tanzania

The study assessed the factors influencing financial inclusion. The assessment used secondary data sources from Bank of Tanzania and World Bank data covering 11year period from 2012 to 2022. Using longitudinal time line panel data, model diagnostic test and regression were analysis tools employed. The results of analysis showed that per capita income and inflation rate were positive and insignificant determinants of financial inclusion index while networking of banks financial institutions’ branches and age dependence ratio found to have negative and insignificant determination on financial inclusion. Moreover, domestic credits provision, steady money supply and deposit interest rate were found to be positive and significant determinants of financial inclusion index. In light of this it is recommended that all customers should deposit money banks to make sure their goods and services are alluring since doing so will encourage the Tanzanian people to save more.

Realization of Subsidized Housing Financing on Sharia Services

The research location is at Bank Sulselbar Parepare Branch which has a sharia service unit including subsidized housing finance services. Especially in financing. This research focuses on the contracts used in its implementation. In addition, it will also focus on financing mechanisms for subsidized housing ownership in sharia services. Similar to conventional banks that make pawning a banking product, Islamic banks also issue similar products. The presence of sharia products is certainly a relief for some people who care about religious law which prohibits the use of usury in every transaction. In this study, we will discuss the contracts and financing mechanisms for subsidized sharia official housing. The results of the study show that the contract used in the subsidized housing financing mechanism at Bank Sulselbar Syariah Services Parepare Branch is murabahah financing, namely buying and selling based on Islamic bank financial institutions and is applied in consumptive financing and real financing.

Penerapan Prudential Banking Sebagai Upaya Meminimalisir Risiko Kredit Bermasalah Pada Bank Wakaf Mikro Di Era Digitalisasi

Digital micro waqf bank financial institutions are expected to implement prudential banking to increase people's income and welfare. This study aims to analyze the management of financing products carried out by Islamic financial institutions by applying prudential banking principles. This descriptive qualitative research was written based on literacy studies. The results of this study are that by implementing prudential banking, digital micro waqf bank financial institutions can increase customer income and welfare

The improvement of microfinance institution under inclusive finance: A case of Grameen Bank of China

In the rapid development of modern society, microfinance companies are an inevitable product of the economic market demand, and microfinance companies are bound by the relevant laws of China and enjoy the policy support of the state. As an effective supplement to traditional banking financial institutions, microfinance companies, with their flexible mechanisms and efficient services, are increasingly becoming an important force in achieving the goal of financial inclusion. However, due to the lack of supervision, shortage of capital, and excessive risks, microfinance companies have also been deviating from the original purpose of inclusive financial services, such as "non-farming" and "centralization" of loans. The emergence of the Grameen Bank in the 19th century - a "bank for the poor" - broke the original concept. It will be the case study for analysis in this paper. Using the case of Grameen Bank, this paper aims to explore the characteristics and advantages of small lending institutions, analyze whether they are replicable, sustainable and the social significance their existence brings, and make recommendations and prospects for promoting a greater role of microfinance companies in financial inclusion.

The Effect of Third Party Funds on Rural Banks (BPR) Profitability With Lending Interest Rate as a Moderation Variable Period 2017 - 2022

Savings or other comparable kinds of deposits are accepted by BPR as a bank financial institution, which then distributes the money to BPR firms. To ascertain the state of the bank, it is necessary to evaluate banks as businesses. The profitability performance can be used to determine whether or not the banking industry's financial performance is sound. With loan rates serving as a moderating variable, this study attempts to present empirical data about the impact of Third Party Funds (DPK) on the Profitability of Rural Banks (BPR). The data used in this study were collected at OJK between 2017 and 2022. Explanatory research, which employs a quantitative methodology, is what this study is about every BPR in Indonesia who is registered and documented in the Indonesian Banking Statistics at OJK including the study's population. Samples were taken using a non-probability sampling methodology and a purposive sampling method. With the aid of the statistical application SPSS version 24, moderate regression analysis (MRA) was employed for data analysis. The study's findings demonstrated that third-party funds significantly impact rural banks' (BPR) profitability. Also, it was shown that interest rates had a considerable impact on rural banks' (BPR) profitability. Finally, Third Party Funds significantly impact profitability, with the effect being tempered by interest rates at Rural Banks (BPR).