Bank Muamalat Indonesia Research Articles

The Effect of Corporate Social Responsibility (CSR), Relationship Marketing and Shariah Compliance on Customer Loyalty with Customer Emotional Response As Intervening


 
 
 
 This study aims to determine how strong the influence of Corporate Social Responsibility (CSR), Relationship Marketing and Shariah Compliance on Customer Loyalty with Customer Emotional Response as an intervening variable. This research uses quantitative methods by processing primary data obtained through distributing questionnaires to people who are customers of Bank Muamalat Indonesia. The sample taken was 50 respondents using purposive sampling technique, then the results obtained were processed with SPSS version 22. The analysis used included descriptive statistical tests, instrument tests, classical assumption tests, model accuracy tests, hypothesis tests and path analysis. Based on the results of the test, the results obtained: CSR has a significant positive effect on customer emotional response. Marketing relations have a significant positive effect on customer emotional responses. Shariah compliance has no significant negative effect on customer emotional response. CSR has a significant positive effect on loyalty. Relationship marketing has no significant positive effect on loyalty. Shariah compliance has no significant negative effect on loyalty. Customer emotional response has a significant positive effect on loyalty. Customer emotional response is able to mediate CSR on loyalty. Customer emotional response is not able to mediate relationship marketing and shariah compliance with loyalty.
 
 
 

The Effect of Differentiation and Positioning Strategies on Customer Satisfaction Using Digital Banking Service at PT. Bank Muamalat KC Mamuju

Competition in the world of Islamic banking today is certainly getting tighter with the emergence of various new Islamic banks. In order to maintain a positive existence, Bank Muamalat as one of the pioneers of Islamic banking in Indonesia certainly requires a strategy to be able to win and retain its customers among the community. The two strategies used are the differentiation strategy and positioning of their digital banking services to be superior to other Islamic banking digital banking products. These two strategies are used to maintain customer satisfaction in the use of digital banking services. This study examines the relationship between differentiation strategy and positioning of digital banking services on customer satisfaction at PT Bank Muamalat Indonesia KC Mamuju. This study uses a quantitative approach. Methods of data collection was carried out using questionnaires, observation, and documentation studies. Research respondents are customers of PT Bank Muamalat Indonesia (BMI) Mamuju Branch Office. The sample used in this study were 97 respondents with accidental sampling technique. The data analysis techniques used in this study were descriptive analysis, validity and reliability tests , classical assumption tests, as well as multiple linear regression analysis and hypothesis testing using the F test (simultaneous) and t test (partial) with the help of SPSS for windows program software. (Statistical Package for Social Science) in processing research data.

PENERAPAN WHISTLEBLOWING SYSTEM TERHADAP INTERNAL FRAUD PADA PT. BANK MUAMALAT INDONESIA, TBK PERIODE 2015-2019

Banks or other financial industries are particularly vulnerable to internal fraud cases. This is motivated because the highest motivation of this action is a financial factor. Every bank has now tried as early as possible to prevent the occurrence of internal fraud by using whistleblowing system that is part of internal control to realize good corporate governance, this system is useful to disclose violations that occur in the company by accommodating information from whistleblowers either from employees or from other stakehlolder by maintaining the confidentiality of identity and information. This study was conducted at PT. Bank Muamalat Indonesia, Tbk. by using descriptive method of quantifiable by presenting numerical data obtained from GCG report. The results of the analysis showed there is still a high level of internal fraud from 2015 to 2016 the highest cases that are in 2016 fluctuating until 2019. This indicates that the whistleblowing system implemented has not been optimal. Employees still do not have a sense of deterrent effect if they commit such actions, and the banking system that is less efficient and low supervision from internal and external parties becomes a great opportunity to commit crimes.Keywords: Whistleblowing System, Internal Fraud

Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important.
 
 This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank.
 
 The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis.
 
 The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research.
 
 Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), Return On Assets (ROA)

Peran Wadi’ah dan Mudharabah Dalam Profitabilitas Bak Muamalat

The bank's ability to increase profitability is inseparable from its ability to collect funds from the public in various schemes. This study aims to analyze the role of wadiah and mudarobah savings in the profitability of Bank Muamalat. The research method used is quantitative analysis with secondary data from the quarterly financial statements of PT Bank Muamalat Indonesia 2016-2019. The results showed that simultaneously wadi'ah and mudharabah savings had a significant effect on BMI's profitability. While partially, wadiah and mudharabah savings have no significant effect on BMI's profitability.

DETERMINANTS OF CUSTOMER LOYALTY

This study aims to determine the effect of customer satisfaction and bank image on customer loyalty at Pt. Bank Muamalat Indonesia, Tbk., Panyabungan Sub-Branch Office. The creation of customer satisfaction and a good bank image is an advantage for banks. Satisfaction is a good basis for customers to repeat the use of related bank services so that these customers become loyal. This research is a quantitative study, data obtained from questionnaires. The sample collection technique uses the Slovin formula to obtain a sample of 83 customers. Data analysis using multiple linear regression. The results showed that customer satisfaction partially affected customer loyalty and the image of the bank affected customer loyalty. Then simultaneously customer satisfaction and the image of the bank together have a significant and significant effect on customer loyalty.

SWOT ANALYSIS OF SAVING PRODUCTS IB HIJRAH HAJI PT. BANK MUAMALAT INDONESIA SUPPORTING BRANCH

One of the obstacles for the Mandailing Natal community to go on a pilgrimage is the high cost of going on a pilgrimage. IB Hijrah Haji Savings is a savings account that makes it easier for people to visit the Baitullah. However, not many people know about this IB Hijrah Haji savings product, seen from the number of IB Hijrah Haji savings customers who experience fluctuations every month in 2018. The problem formulation in this study is how to analyze the SWOT product of the IB Hijrah Haji Savings product PT. Bank Muamalat Indonesia Panyabungan Sub-Branch. The purpose of this study was to determine the development of the number of customers of IB Hijrah Haji Savings PT. Bank Muamalat Indonesia Panyabungan Sub-Branch. This research was conducted at PT. Bank Muamalat Indonesia Panyabungan Sub-Branch with qualitative-descriptive research method. The subjects of this research are employees of PT. Bank Muamalat Indonesia Panyabungan Sub-Branch, IB Hijrah Haji savings customers and the Mandailing Natal community. Collecting data using interview techniques and direct and indirect observations of objects related to the researched and documentation. Meanwhile, data analysis used the following techniques: data editing, data reduction and data decryption. The results of the study using the SWOT Matrix showed that PT. Bank Muamalat Indonesia Panyabungan Sub-Branch has strengths which consist of: fairly good and fast service, service to deliver prospective pilgrims and free Hajj rituals, free administration fees, free insurance. Weaknesses of IB Hijrah Haji savings, namely: lack of human resources marketing IB Hijrah Haji savings products, product promotion is still lacking. The savings opportunities for IB Hijrah Haji are: people who are predominantly Muslim, increasing customer interest in using this product, strategic location. Meanwhile, the threats of IB Hijrah Haji savings are: product competition that is getting tighter, locations between banks that are close to each other.

The Use Of E-Muamalat Facilities In Attracting Customer Interest IN PT. Bank Muamalat Indonesia TBK. KCP Panyabungan

Banking service facilities using information technology are called Electronic Muamalat. With advances in information technology, customers can make transactions from anywhere and anytime quickly and easily, so as to further increase the volume of transactions that occur at a bank. However, only some of the customers of Bank Muamalat Indonesia Tbk. KCP. Panyabungan that uses E-Muamalat. The purpose of this study is to find out how customers perceive E-Muamalat and the factors that cause customers to use E-Muamalat at PT. Bank Muamalat Indonesia Tbk. KCP Panyabungan. Theories used in this study include Definition of Interests, Banking Services, Technology Banking Services, Electronic Banking, Banking History, Types of Electronic Transactions and Products at PT. Bank Muamalat Indonesia Tbk. Panyabungan KCP. This research is field research using a qualitative approach with data collection techniques using the Interview, Documentation, Observation method, while the data sources used are primary and secondary. Based on the results of research that has been carried out by researchers, it can be seen that customer perceptions of E-Muamalat are very practical, super-fast, and accurate without having to come to the office when they want to transact, besides that the factors that cause customers to use E-Muamalat because they don't want to miss out on electronic-based banking products. Banking.

The Use Of E-Muamalat Facilities In Attracting Customer Interest IN PT. Bank Muamalat Indonesia TBK. KCP Panyabungan

Banking service facilities using information technology are called Electronic Muamalat. With advances in information technology, customers can make transactions from anywhere and anytime quickly and easily, so as to further increase the volume of transactions that occur at a bank. However, only some of the customers of Bank Muamalat Indonesia Tbk. KCP. Panyabungan that uses E-Muamalat. The purpose of this study is to find out how customers perceive E-Muamalat and the factors that cause customers to use E-Muamalat at PT. Bank Muamalat Indonesia Tbk. KCP Panyabungan. Theories used in this study include Definition of Interests, Banking Services, Technology Banking Services, Electronic Banking, Banking History, Types of Electronic Transactions and Products at PT. Bank Muamalat Indonesia Tbk. Panyabungan KCP. This research is field research using a qualitative approach with data collection techniques using the Interview, Documentation, Observation method, while the data sources used are primary and secondary. Based on the results of research that has been carried out by researchers, it can be seen that customer perceptions of E-Muamalat are very practical, super-fast, and accurate without having to come to the office when they want to transact, besides that the factors that cause customers to use E-Muamalat because they don't want to miss out on electronic-based banking products. Banking.

Pengaruh Pembiayaan Jual Beli dan Nonperforming Financing terhadap Profitabilitas Bank Syariah (Studi Kasus Bank Syariah)

This study examines how trade financing as well as non performing financing (NPF) affect the profitability of Islamic banking in Indonesia. The profitability is measured by return on assets. The sample selection method is purposive sampling and obtained seven Islamic banks are being sampled, that is Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank BNI Syariah, Bank Bukopin Syariah, Bank Panin Syariah, Bank BCA Syariah, and BRI Syariah in 5 periods of observation. Multiple regression is used to analyze the data. The result shows that trade financing have no affect while non performing financing has negatively affect on the profitability of Islamic banks.

Analisis Pengaruh Tingkat Inflasi Dan Tingkat Bagi Hasil Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia

This study aims to determine the effect of Inflation Rate and Profit Sharing Rate on Sharia Commercial Bank Profitability in Indonesia. The independent variable (independent) in this study is the level of inflation and the level of profit sharing, while profitability is the dependent variable. In this study, researchers used Return on Assets (ROA) as an indicator for profitability.
 The method used is descriptive method and verification method. The data used are secondary data sourced from Financial Statements that have been published by Bank Muamalat Indonesia, Bank Rakyat Indonesia (BRI) Syariah, Bank Bukopin Syariah, Bank Negara Indonesia (BNI) Syariah, and Bank Central Asia (BCA) Syariah. The data analysis technique used is panel data regression analysis and classic assumption test, because the data used are secondary data and the type of data used is a combination of cross section data and time series data. Data processing techniques using the help of Eviews 9 program.
 Based on data analysis that has been done using panel data regression and classical assumption tests, it is found that the Inflation Rate has a negative and significant effect on Return on Assets (ROA), this result is evidenced by the significance value of 0,0012 and the regression coefficient shows a figure of -0,0817. Level of Profit Sharing is positive and significant effect, this result is evidenced by the significance value of 0.0000 and the regression coefficient shows a figure of 0,1644. The coefficient of determination (R-square) value is 77,26%.
 
 Keywords: Inflation Rate, Profit Sharing Rate, Return on Assets (ROA).

ANALISIS PENILAIAN KINERJA KEUANGAN DENGAN MENGGUNAKAN METODE ECONOMIC VALUE ADDED (EVA) (Studi Pada PT. Bank Muamalat Indonesia Tbk)

This research aims to determine the financial performance of PT Bank Muamalat Indonesia Tbk using the Economic Value Added (EVA) method. The data analysis technique used in this research is descriptive qualitative analysis. Research data collection using documentation techniques. The results showed the calculation of Economic Value Added (EVA) at PT. Bank Muamalat Indonesia Tbk from 2017-2019 produced a positive EVA value or EVA value at PT. Bank Muamalat Indonesia is greater than zero (EVA> 0). This shows that there is economic added value for the company. Although the net profit of PT. Bank Muamalat Indonesia in 2017-2019 has decreased from previous years, but in this position PT Bank Muamalat Indonesia Tbk can still create economic added value for the company. This positive result was due to the large NOPAT value which was able to reduce the cost of capital, so that the company management was able to create economic added value for the company and its shareholders. so that the company's financial performance can be said to be in a good position.

Pemanfaatan Tabungan Haji Dan Umrah Bank Muamalat Oleh PT. Sabrina Al-Fikri Dalam Menjaring Nasabah Di Kota Medan

Bank Muamalat Indonesia, This study aims to find out more about how the use of Hajj and Umrah savings at Bank Muamalat Indonesia Medan Sudirman Branch by PT. Sabrina Al-Fikri in attracting customers in Medan City. The long term of this research is to determine the professionalism of tours and travel, especially in the implementation of Umrah, identify how travel owners work in serving customers. The specific target to be achieved in this study is to examine the results of using Hajj and Umrah savings in serving customers. This research uses a descriptive-qualitative research type. Coupled with a valid data source about the profile of Bank Muamalat Indonesia. Place of research in the office of PT. Sabrina Al-Fikri Patriot Street, Patriot Garden Complex, Medan Sunggal District, Medan. Data collection techniques, namely by interview, observation and documentation study. Data analysis is by means of reduction, display data and verification. The final stage is done by data triangulation which is strengthened by membercheck.

Analisis Rasio Kinerja Keuangan Bank Muamalat Indonesia Pada Masa Pandemi Covid-19

Shari'ah banks in Indonesia began to develop when Bank Muamalat was established in 1991. Bank Muamalat, which used the shari'ah system during economic turmoil, was able to maintain stable financial performance. However, according to a Shari'ah economic observer who is also the founder of Karim Consulting, Adiwarman Karim, the current condition of the Islamic banking industry could deteriorate earlier than the conventional banking industry. During the Covid19 pandemic, Islamic banking will face several possible risks. such as non-performing financing risk (NPF), market risk, and liquidity risk. Therefore, this risk will ultimately have an impact on the performance and profitability of Islamic banking. Based on the above background, this study was conducted to determine the financial performance of Bank Muamalat Indonesia in terms of financial ratios that were reported periodically during the Covid19 pandemic. This type of research is a descriptive study with a qualitative approach. The data collection technique used is through the documentation method, namely secondary data collection in the form of quarterly financial reports that have been published on the Bank Muamalat Indonesia website in 2020. The analysis technique used is a descriptive analysis by analyzing banking financial performance ratio data. The results of this study state that the financial performance of Bank Muamalat Indonesia during the Covid 19 the year 2020 pandemic was in a healthy condition from the aspects of capital, quality of earning assets, and liabilities. This is evidenced by the results of the value of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Debt Ratio (FDR) which are always at the standard value of a healthy bank financial performance. Meanwhile, in terms of profitability and operational management, Bank Muamalat Indonesia is in an unsanitary condition. This can be seen from the results of the ratio of Return on Assets (ROA), Operational Costs, and Operating Income (BOPO) which are always at ratios that do not comply with sound financial value standards.

Indah Harum Rezeki, Heni Noviarita

Shari'ah banks in Indonesia began to develop when Bank Muamalat was established in 1991. Bank Muamalat, which used the shari'ah system during economic turmoil, was able to maintain stable financial performance. However, according to a Shari'ah economic observer who is also the founder of Karim Consulting, Adiwarman Karim, the current condition of the Islamic banking industry could deteriorate earlier than the conventional banking industry. During the Covid19 pandemic, Islamic banking will face several possible risks. such as non-performing financing risk (NPF), market risk, and liquidity risk. Therefore, this risk will ultimately have an impact on the performance and profitability of Islamic banking. Based on the above background, this study was conducted to determine the financial performance of Bank Muamalat Indonesia in terms of financial ratios that were reported periodically during the Covid19 pandemic. This type of research is a descriptive study with a qualitative approach. The data collection technique used is through the documentation method, namely secondary data collection in the form of quarterly financial reports that have been published on the Bank Muamalat Indonesia website in 2020. The analysis technique used is a descriptive analysis by analyzing banking financial performance ratio data. The results of this study state that the financial performance of Bank Muamalat Indonesia during the Covid 19 the year 2020 pandemic was in a healthy condition from the aspects of capital, quality of earning assets, and liabilities. This is evidenced by the results of the value of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Debt Ratio (FDR) which are always at the standard value of a healthy bank financial performance. Meanwhile, in terms of profitability and operational management, Bank Muamalat Indonesia is in an unsanitary condition. This can be seen from the results of the ratio of Return on Assets (ROA), Operational Costs, and Operating Income (BOPO) which are always at ratios that do not comply with sound financial value standards.

Analysis of Capital Adequacy in PT Bank Muamalat Indonesia Through Profitability, Financing Risk, and Cost Efficiency

AbstractPurpose - Capital is the main factor for a bank to be able to develop its business growth. The fulfillment of the Bank's Minimum Capital Ratio or known as CAR is determined by the BIS (Bank for International Settlement) at 8%. This study aims to determine and analyze the factors that affect the level of capital adequacy at Bank Muamalat Indonesia. The population in this study is all data on the financial statements of PT Bank Muamalat Indonesia for the period 20012-2019, which have been published on the official website of Bank Muamalat Indonesia, Bank Indonesia, and the Financial Services Authority. The sample in this study is quarterly financial report data on the CAR, ROA, NPF, and BOPO accounts in the financial statements of PT. Bank Muamalat Indonesia in the 2012-2019 period.Methodology - The method used in this research is the descriptive-explanatory method with multiple linear regression analysis. The dependent variable in this study is the Capital Adequacy Level. The independent variables in this study are Profitability Level (ROA), Financing Risk (NPF), and Cost Efficiency (BOPO).Findings - The study results show that the level of profitability and risk of financing has a significant effect on the level of capital adequacy at Bank Muamalat Indonesia. In contrast, the cost-efficiency variable has no significant effect. Partially shows the results that the level of profitability has a significant and significant effect on the level of capital adequacy in a positive direction, financing risk has a significant and significant effect on capital adequacy in a positive direction, and cost efficiency does not affect the amount of capital adequacy in a positive direction.Keywords - Capital Adequacy, Profitability, Financing Risk, Cost Efficiency

Analisis Kesehatan Laporan Keuangan pada PT Bank Muamalat Indonesia Tbk dengan Menggunakan Metode Camel Tahun 2015–2019

The purpose of this study is to determine the level of health at PT Bank Muamalat Indonesia Tbk using the CAMEL method (Capital, Asset Quality, Management, Earning, and Liquidity) for the 2015-2019 period. The results of research on the health of PT Bank Muamalat Indonesia Tbk in 2015-2019 show that the ratio of CAR, NPF, and NI is considered good, while the ratio of PDN and FDR is considered quite good. However, the ROA, ROE, and BOPO ratios are considered less good because all the results of the ratios are included in the unhealthy category.

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.

EVALUASI PENGENDALIAN INTERNAL DALAM PENYELESAIAN PEMBIAYAAN BERMASALAH IB MUAMALAT MODAL KERJA PADA PT. BANK MUAMALAT INDONESIA KCU KEDIRI

An organization or company usually has guidelines or guidelines for carrying out internal control or internal controlling in accordance with the character and culture of the organization or company. In conventional and Islamic banking, internal control is needed to regulate all operational activities therein. PT. Bank Muamalat Indonesia KCU Kediri also implements internal controls, of course in accordance with sharia principles in all activities including the financing of iB Muamalat Working Capital. In the iB Muamalat Working Capital financing, this internal control is used to minimize the occurrence of problematic financing or bad credit. Non-performing financing or credit is a big problem for the banking sector, therefore it is necessary to have internal controls and techniques in resolving problem financing.

EVALUASI PENGENDALIAN INTERNAL DALAM PENYELESAIAN PEMBIAYAAN BERMASALAH IB MUAMALAT MODAL KERJA PADA PT. BANK MUAMALAT INDONESIA KCU KEDIRI

An organization or company usually has guidelines or guidelines for carrying out internal control or internal controlling in accordance with the character and culture of the organization or company. In conventional and Islamic banking, internal control is needed to regulate all operational activities therein. PT. Bank Muamalat Indonesia KCU Kediri also implements internal controls, of course in accordance with sharia principles in all activities including the financing of iB Muamalat Working Capital. In the iB Muamalat Working Capital financing, this internal control is used to minimize the occurrence of problematic financing or bad credit. Non-performing financing or credit is a big problem for the banking sector, therefore it is necessary to have internal controls and techniques in resolving problem financing.