Bank Muamalat Indonesia Tbk Research Articles

PENGARUH PEMBIAYAAN MUDHARABAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP TINGKAT PROFITABILITAS PADA PT BANK MUAMALAT INDONESIA Tbk. PERIODE 2008 – 2017

Financial Institutions In Particular The Banking Sector Is A Community Institution Expected To Be Able To Control The Economic Wheel. Countries Of Indonesia As A State That The Majority Of Islamic Religion Has Longly Taken The Presence Of The Financial Institution System Which According To The Needs Of The Needs Is Not Financial, But Also The Morality Demands. Islamic Bank. Methods Used In Writing Reports Final This Is Using Analysis Descriptive, Where The Method Of Data Collection To Do With How To Give A Snapshot, Explanation Systematic, Factual And Accurate To Object That Is The Subject Issues Is The Effect Of Financing Mudharabah And Musyarakah On The Level Of Profitability In Pt. Bank Muamalat Indonesia Tbk Period 2008 – 2017 Based On These Research Results Show The Value Of Determination Coefficients (R2) That Financing Mudharabah And Musyarakah Gives 40% Diversity To The Profitability Level, As Well As A 60% Rate, Is Affected By Other Factors Not Observed In This Research.

The Influence of Sales and Purchase Financing Income on the Profitability of PT. Bank Muamalat Indonesia Tbk (Period 2006-2019)

This study aims to determine the effect of murabahah financing income, istishna financing income both simultaneously and partially on profitability. The object of this research is PT. Bank Muamalat Indonesia TBK with a research period in 2006 to 2019. The method used in this study is a quantitative method with multiple linear regression techniques. Analysis techniques using multiple linear regression include the classic assumption test, the regression equation test and hypothesis testing. In data analysis using assumptions, the independent variable is murabahah financing income (X1), istishna financing income (X2) with the dependent variable is Return On Assets (Y). The results showed that simultaneously murabahah financing income and istishna financing income could explain or explain ROA of 44.1%, the rest was influenced by variables or other factors of 55.9%. While partially, murabahah financing income variable has a significant negative effect on ROA at PT. Bank Muamalat Indonesia TBK. Istishna financing income variable has a significant positive effect on ROA at PT. Bank Muamalat Indonesia TBK.

Pengaruh Kinerja Keuangan dan Penerapan GCG terhadap Potensi Kebangkrutan pada PT Bank Muamalat Indonesia Tbk

This study aims to determine the effect of financialoperformance as proxied by ROA, BOPO, CAR and FDR as welloas the implementation of good corporate governance proxiedoby the Sharia Supervisory Board on financial distress (Modified Altman Z-Score) at Bank Muamalat 2008-2018. This research method uses a case study method with secondary data in the form of quarterly financial reports and GCG reports issued by PT Bank Muamalat Indonesia Tbk. for the period 2008-2018, data obtained from theoFinancialoServices Authority andoother data related to the subject and object oforesearch. This study uses the Multiple Linear Regression method with the help of Software Statistic Eviews 9. From this study, the results show that ROA has no effect on financial distress, BOPO has no effect on financial distress, CAR has a significant positive effect on financial distress, FDR has a significant negative effect on financial distress, and GCG has no effect on financial distress.

Analysis of the Determinants of Third Party Funds PT. Bank Muamalat Indonesia Tbk

Third Party Funds (DPK) consist of demand deposits, savings, time deposits. The increase in DPK at PT. bank Muamalat Indonesia Tbk, continued to increase from 2010-2014 but decreased from 2015-2016 and increased again in 2017 then decreased again in 2018. The increase and decrease in the amount of DPK PT. Bank Mualamat Indonesia is of course influenced by several factors including inflation, BI Rate, exchange rate, and the money supply. This research is a quantitative research. the data used is time series data for the quarter 2010-2018 published by Bank Indonesia and PT. Bank Muamalat Indonesia Tbk. through the official website www. bi.go id and www.bankmuamalat.co.id were analyzed using eviews9. The results of this study indicate that inflation partially affects TPF. The BI Rate has a partial effect on DPK. The Rupiah Exchange Rate partially has a negative effect on DPK. The amount of the Money Supply has a partial effect on DPK. And Inflation, BI Rate, Rupiah Exchange Rate and Money Supply have a simultaneous effect on DPK.

STRATEGY OF MARKET SEGMENTATION, TARGETING AND POSITIONING IN INCREASING THE NUMBER OF CUSTOMERS AT PT. BANK MUAMALAT INDONESIA Tbk KCP PANYABUNGAN

This research is motivated by the large number of people in the city of Panyabungan who are predominantly Muslim who will provide benefits for Islamic banks. Selection of the right market by using market segmentation strategies, targeting and positioning that will help PT. Bank Muamalat Indonesia Tbk KCP Panyabungan in selecting potential customers who are useful to win competition with other banks. The research methodology used is descriptive qualitative using primary data and secondary data. Primary data were obtained by collecting data through interviews and observations, while secondary data were obtained from documents of BMI KCP Panyabungan. The research found that the marketing strategy for BMI KCP Panyabungan products was market segmentation by selecting demographic and behavioral segmentation. Then the targeting is that BMI KCP Panyabungan chooses traders, entrepreneurs and employees as the target market. Next to positioning, BMI KCP Panyabungan builds a good image by embracing Ulama and educating the public that PT. Bank Muamalat Indonesia is an Islamic bank and is free from usury and provides souvenirs containing symbols to Ulama. Meanwhile, the obstacles faced are the size of the area, other competitors.

THE EFFECT OF THE MOTIVATION OF AVOIDING RIBA AND KNOWLEDGE OF SHARIA BANKING PRODUCTS ON THE DECISION TO BECOME A CUSTOMER AT PT. BANK MUAMALAT INDONESIA TBK KC PADANGSIDIMPUAN

This study aims to determine the significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer at PT. Bank Muamalat Indonesia Tbk KC Padangsidimpuan. The method used in this research is descriptive quantitative. The data collection techniques used were questionnaires and documentation. Sampling in this study using random sampling with a sample size of 99 people. To simplify the data analysis process, this research was assisted by the SPSS version 23 program. The t test results indicate that there is a significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer. Based this shows that the influence of the motivation variable to avoid usury and knowledge of Islamic banking products on the customer satisfaction variable.

Analisis Implementasi Pernyataan Standar Akuntansi Keuangan (PSAK) 105 pada Pembiayaan Mudharabah

The purpose of this study was to analyze the implementation of PAK 105 in mudharabah financing at PT. Bank Muamalat Indonesia Denpasar Branch in 2020. The research method used was a qualitative research method. The results showed, The recognition process at PT. Bank Muamalat Indonesia Tbk. Adapted to generally accepted standards, namely PSAK No. 105, Measurement of investment in PT. Bank Muamalat Indonesia Tbk. in cash, measured at the amount paid in accordance with PSAK 105, Presentation of mudharabah financing at PT. Bank Muamalat Indonesia Tbk. presented in the balance sheet on the element of assets equal to bank bills to customers and in accordance with PSAK 105, mudharabah financing disclosed by PT. Bank Muamalat Indonesia Tbk in the financial statements and notes to the financial statements in accordance with PSAK 105.
 Keywords: Accounting Treatment; Mudharabah Financing; PSAK No. 105.

Analisis Faktor-Faktor yang Mempengaruhi FDR Bank Umum Syariah (Studi Kasus PT Bank Muamalat Indonesia Tbk)

The purpose of this study is to analyze factors that affect the liquidity capability of Islamic banks in Indonesia. One of the ratios which used to measure the ability of liquidity and to assess the financial performance of an Islamic bank is FDR. variables which used are ROA, CAR, NIM, and BI Rate. The data used in the study were secondary data on the quarterly financial statements of PT. Bank Muamalat Indonesia Tbk for the period 2012-2019. The research model or analysis tool used in this study is multiple linear regression analysis using statistical data processing applications. The results of this research are that the variables ROA, CAR, NIM, and BI Rate have a simultaneous effect on FDR and partially NIM and BI Rate have a significant effect on FDR, while ROA and CAR partially do not have a significant effect on FDR.

THE EFFECT OF INFORMATION TECHNOLOGY AND INTERNAL CONTROL SYSTEM ON QUALITY OF FINANCIAL STATEMENTS PT BANK MUAMALAT INDONESIA TBK

This article aims to analyze: 1) the effect of information technology on the quality of PT. Bank Muamalat Indonesia Tbk. 2) the effect of the internal control system on the quality of the financial statements of PT. Bank Muamalat Indonesia Tbk. 3) the influence of information technology and internal control systems on the quality of the financial statements of PT Bank Muamalat Indonesia Tbk. The study was conducted with a survey in the form of a questionnaire to the leaders and employees of PT. Bank Muamalat Indonesia Tbk. and self assessment through PT. Bank Muamalat Indonesia Tbk.The statistical method used is multiple linear regression analysis with data processing using the Statistical Package for Social Science (SPSS) version 22 for Windows. Previously conducted a classical test to determine the normality of data.The results of the study showed: 1) The effect of Information Technology on the quality of the financial statements of PT. Bank Muamalat Indonesia Tbk, with a value of standardized coefficient (?) of 0.096, its effect on the quality of financial statements is very low. 2) The influence of the Internal Control System on the quality of the financial statements of PT. Bank Muamalat Indonesia Tbk, with a standardized coefficient (?) of 0.669, influencing the quality of strong financial statements. 3) The effect of the simultaneous correlation coefficient on Information Technology and Internal Control Systems on the quality of the financial statements of PT. Bank Muamalat Indonesia Tbk of (R) = 73.6% is significant and the relationship that occurs is positive with a coefficient of determination (R Square) of 54.2% and the remaining 45.8% is influenced by other.Meanwhile, if seen from the calculated probability value shows that simultaneously there is the influence of Information Technology, Internal Control Systems on the quality of financial statements of PT. Bank Muamalat Indonesia Tbk.

ANALISIS IMPLEMENTASI AUDIT PERBANKAN SYARIAH DI INDONESIA

This study aims to analyze the suitability of audit practices in Islamic Banking with existing auditing standards in Indonesia. The unit of analysis in this study is the state-owned Sharia Commercial Bank, namely PT. Bank Syariah Mandiri and privately owned, namely PT. Bank Muamalat Indonesia Tbk. This research uses qualitative methods, using case studies. Data collection was obtained by conducting interviews and analyzing annual reports from 2015 to 2017. The results showed that the audit framework, audit scope, audit quality, audit charter, audit process, and reporting requirements conform to appropriate auditing standards in Indonesia. This study found facts related to sharia auditing in terms of qualified human resources in terms of knowledge of sharia auditing and principles.

Factors Affecting the Interest of Prospective Hajj Pilgrims Choosing Arafah Savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan

This research is motivated by the lack of interest of prospective pilgrims in choosing Hajj Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan, the data obtained fluctuated. The purpose of this study was to determine the effect of promotion, service, and product simultaneously on customer interest in choosing Hajj Arafah savings savings at Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. This research is a quantitative research, the data source used is primary data. The data collection technique used is a questionnaire, with a sample of 92 respondents and the sample measurement technique is the Slovin formula. The analysis used is validity test and reliability test and classical assumption test. Multiple linear regression analysis, hypothesis testing and determination coefficient test R2. The results of this study simultaneously promotion, service, and product simultaneously influence the interest of prospective pilgrims to choose Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan.

PENGUKURAN KINERJA KEUANGAN BANK MUAMALAT INDONESIA DENGAN METODE SHARIA CONFORMITY AND PROFITABILITY (SCnP)

PT Bank Muamalat Indonesia Tbk is the first Islamic bank in Indonesia which was established in 1991 and started operations in 1992. However this is not offset by the performance of the increasingly improved financial performance, proven early in the year 2018 is rumored to be acquired because capital is experiencing the problem. This underlying researchers interested in conducting research with the aim to find out the financial performance of PT Bank Muamalat Indonesia Tbk 2013-2017 year. This research is quantitative descriptive research with SPSS software analysis tools 22 and Microsoft Excel. Research data in the form of secondary data obtained from annual report (annual report) BMI from the year 2013 until 2017. The data used for analysis is the method of SCnP as measured by indicators of Syaria Conformity and Profitability. The results of investigation of Bank Muamalat Indonesia 2013-2017 years of using the SCnP Model shows the performance of Bank Muamalat Indonesia year 2013-2017 banks generally are on point coordinates X = and Y = 1.99 83.30 to the position of the Lower Left Quadrant (LLQ) means that the bank has the level of the suitability of the sharia principles and low profitability.
 Keywords: Financial Performance, Sharia Conformity, Profitability

Pengaruh Pembiayaan Mudharabah Dan Pembiayaan Musyarakah Terhadap Tingkat Profitabilitas Pada PT Bank Muamalat Indonesia Tbk. Periode 2008 – 2017

ABSTRACT
 Financial Institutions In Particular The Banking Sector Is A Community Institution Expected To Be Able To Control The Economic Wheel. Countries Of Indonesia As A State That The Majority Of Islamic Religion Has Longly Taken The Presence Of The Financial Institution System Which According To The Needs Of The Needs Is Not Financial, But Also The Morality Demands. Islamic Bank. Methods Used In Writing Reports Final This Is Using Analysis Descriptive, Where The Method Of Data Collection To Do With How To Give A Snapshot, Explanation Systematic, Factual And Accurate To Object That Is The Subject Issues Is The Effect Of Financing Mudharabah And Musyarakah On The Level Of Profitability In Pt. Bank Muamalat Indonesia Tbk Period 2008 – 2017 Based On These Research Results Show The Value Of Determination Coefficients (R2) That Financing Mudharabah And Musyarakah Gives 40% Diversity To The Profitability Level, As Well As A 60% Rate Is Affected By Other Factors Not Observed In This Research.

ANALISIS PENGARUH KEBIJAKAN KEUANGAN DAN TATA KELOLA TERHADAP NILAI PERUSAHAAN INDUSTRI MANUFAKTUR YANG TERCATAT DI BURSA EFEK INDONESIA PERIODE TAHUN

ABSTRACT
 The development of Syariah Banking system in Indonesia in several years is fast enough, based on the data in the beginning of years 2015, which is profitably in 198,25 (Billion) IDR was increased to 258,10 Billion) IDR for September 2016, it is assumed to increased in 30,19 %. The profit was taken from three Syariah Banking system (202,76 (Billion) IDR with 78,56 % market share), while the comparative of Syariah banking system toward conventional banking system is 29,518 (Billion) IDR that has just reached 0,87 %. The market share is increased 0.07 % compared with September 2015 that is 0,80 %. There is anfluctuative increasing until 2016. This research aims at finding out : (1) the share holding is positively and significantly influencing toward the Mudarabah deposit, (2) the level of money interest is negatively and significantly toward the Mudarabah deposit. Data of this research is taken from the monthly report of PT. Bank Muamalat Indonesia and Indonesian Bank (BI). The data analyzed by using multiple regression method.
 This research is a case study at PT. Bank Muamalat Indonesia Tbk. The study population is the Financial statement and balance sheet of PT. Bank Muamalat Indonesia and data that is taken from Indonesian Bank (BI) about Mudarabah deposit, the level of share holding and the level of money interest during 2016-2018. Variables which are explored in this research includes the share holding, the level of money interest and Mudarabah deposit. Data was collected by using documentation.
 The result of this research has shown us that there is a positive and significant influence from the level of share holding and the level of money interest of Mudarabah deposit. The level of money interest has a negative and significant influence toward the Mudarabah deposit.

Risk Analysis and Efficiency Islamic Banking: Evidence in Indonesia

This study aims to analyze the risk and efficiency of Bank MuamalatTbk, customers & ex-employees perceptions of the efficiency of the closure of the Branch Offices in Bojonegoro and Blora Regencies. This research is quantitative research that uses three stages of analysis. The first phase of the analysis involves risk analysis by measuring credit, operational and risk of disbursement based on the 2013-2017 Bank Muamalat Indonesia Tbk Financial Report using CAMELS financial ratios, the second stage consists of measuring the efficiency of Bank MuamalatTbk's performance using non-parametric techniques, Data Envelopment Analysis (DEA). The third stage will apply Pearson Correlation Coefficients to test the correlation between Customer Perception, Credit, Operations, and Risk of Disbursement to Efficiency. Based on results it can be concluded that the condition of Bank Muamalat Indonesia for the period 2013 - 2017 can be declared unhealthyand risky. So, it is suggested that Muamalat obtain new investors who are able to provide capital to nourish their financial performance. Keywords : Efficiency, Operational Risk, Islamic Banking, Data Envelopment Analysis.

The Effect Of Mudharabah Financing Income To Profitability (ROA) At PT. Bank Muamalat Indonesia Tbk. Periode 2011-2016

AbstractOne of funds allocations in Islamic banking is mudharabah financing. It will generate profits from the calculation for the results. The profit will be shared between the bank and its managing customers. The rate of return on capital can measure the level in profitability of a bank by comparing its profit and capital. The purpose of this study was to examine the effect of mudharabah financing income on the profitability of PT. Bank Muamalat Indonesia Tbk. The method was used quantitative descriptive with analysis technique of simple regression analysis using SPSS version 21. The results showed that simultaneously the p-value value is 0,000 and smaller than the level of significant that is 0.05 which means mudharabah financing income affect profitability simultaneously. Partially, (T test) shows that the value of T count = 4.670> 1.711 T table while the significance value is 0.000 where this number is smaller than 0.05. From the calculation results obtained by the coefficient, b = 0.115 is positive, this means that every time the mudharabah financing income increases by one (1), the average profitability (ROA) will increase by 0.115. This means that mudharabah income has a positive and significant effect on the ROA level partially. Keywords : Mudharabah, Profitability, Return On Assset (ROA)

Pengaruh Pendapatan Pembiayaan Mudharabah terhadap Profitabilitas (ROA) pada PT. Bank Muamalat Indonesia Tbk. Periode 2011-2015

This research is about the influence of financing mudharabahincome of the result of profitability (return on assets) at PT. Bank Muamalat Indonesia Tbk. for period 2011 until 2015. The main problem in this research is how much financing mudharabahincome that calculated by ratio of mudharabahwhich is ratio of mudharabahincome and total revenue sharing income, influencing the profitability that calculated by return on assets (ROA) which is ratio of net income and total assets. This research has a purpose to describe and explain the influence between financing mudharabahincome with profitability (return on assets) at PT. Bank Muamalat Indonesia Tbk. for period 2011 until 2015. Research methods used in this research is quantitative descriptive analysis. The data used in this research is secondary data, in the form of financial statement of PT. Bank Muamalat Indonesia Tbk. as the population and the samples consist of quarter financial statement of PT. Bank Muamalat Indonesia that published from 2011 until 2015. The statistic method used to test the research hypothesis is simple regression. After following the quantitative procedural, the result of this research show that financial mudharabahincome has influence the profitability, which is proved with the significant value is 0,009 that smaller than 0.05. It means that financial musharabahincome has influence the profitability. Keyword : Mudharabah, Profitability, Return on Assets (ROA)

ANALISIS PREDIKSI POTENSI KEBANGKRUTAN PADA PT BANK MUAMALAT INDONESIA Tbk PERIODE 2012-2016 DENGAN MENGGUNAKAN METODE ALTMAN MODIFIKASI

Abstract Bankruptcy is a very essential issue that every company should be aware of. Bankruptcy of a company can be minimized by advanced prediction; such as analyzing the financial statements. This study discusses the financial performance of PT Bank Muamalat Indonesia Tbk, which indicates that there is a degression in some number of financial ratios, the closing of offices and firing of employees in 2012-2016, causing he fact that BMI must pay attention and improve its financial performance and anticipate the existence of a bankruptcy in the company. Based on Altman analysis modification for financial performance of PT Bank Muamalat Indonesia Tbk in 2012-2016, it found Z-Score value of 0,825, 0,659, 1,243, 0,982 and 0,892. Based on Z-Score criteria, PT Bank Muamalat Indonesia Tbk is predicted to experience problems in management and financial structure and also in potentially bankruptcy due to Z-Score value <1,1 while the highest Z-Score value is in 2014, which shows the value of Z-Score>1,1 and <2,6, which means the company is in the gray area, meaning the company’s category is not said to be bankrupt and also not healthy. Keywords: Bankruptcy, Altman Modification Method

DAMPAK KONVERGENSI INTERNATIONAL FINANCIAL REPORTING STANDARTD (IFRS) TERHADAP PERGESERAN PRINSIP SYARIAH (Studi Kasus : PT Bank Muamalat Indonesia Tbk)

This study entitled Impact of Convergence to International Financial Reporting Standard (IFRS) Shifting Against Sharia, with the purpose of research; (1) the consequences of substance over form to shifts Islamic principles in PT Bank Muamalat Indonesia Tbk., (2) the consequences of the size of the probability of the shift of Islamic principles in PT Bank Muamalat Indonesia Tbk., (3) consequences of the time value of money to the shifting Islamic principles on PT Bank Muamalat Indonesia Tbk. The method used the analysis of rational criticism. The results showed Bank Muamalat Annual Report for 2012 has applied PSAK based IFRS. However, the consequences of convergence is causing a shift in the principles of sharia is a cornerstone in the company's operating system.

CREATING CUSTOMER RELATIONSHIP MANAGEMENT BASED ON ISLAMIC VALUES: A CASE STUDY OF PT. BANK MUAMALAT INDONESIA TBK

This research aims to provide an overview of the implementation of Customer Relationship Management (CRM) based on Islamic values on PT. Bank Muamalat Indonesia TBK as the first sharia bank in Indonesia. It is also reviewed the current status of CRM at BMI and; the challenges and problems facing BMI and developing CRM strategy. Moreover, it explores the nature of CRM in context of business organisation and offers a religious perspective pertaining to organisation and management. The key successful of CRM is founded on trust, commitment, shared goals, and mutual benefits, while people, process, values, and images are the key principles of CRM. According to the key of successful and the key principles of CRM, the organisation can create strategic relationship implementation. Thus structure, staff, style, systems, and schemes are the 5-core elements of strategic CRM. The author will explore on those core elements what will be influenced by Islamic values extensively to make Excellent Customer Service. In fact, BMI has been applying good CRM where Islamic values can be seen on how the employees interact with the customers. The implementation of Islamic values create unique atmosphere of business activities and make it differs than other banks. However, some challenges are faced by BMI in system, cultural, staff, and networks issue. Nevertheless, the recommendations have been taken for this research is presented as the positive feedback of development.