BNI Syariah Research Articles

BNI Syariah Sebelum Pandemi Covid 19 Ditinjau Dari Prediksi Financial Distress

In terms of the ratio of financing to third party funds, BNI Syariah has experienced a significant decline over the last 5 years. If this decline is not immediately resolved, it will be disrupted and the possibility of financial distress in banking can occur. The purpose of the study was to determine the financial distress experienced by BNI Syariah before the pandemic, namely 2016-2019. The research method used in this research is descriptive quantitative approach with calculations using modified Z-Score analysis. The results showed that in the last quarter of March 2016 to September 2018 before the COVID-19 pandemic, BNI Syariah was categorized as a gray area with a Z-Score value of 1.1 < Z" < 2.6, meaning that on this occasion it indicated that BNI Syariah was in the gray zone. gray area, so it cannot be ascertained whether the company is categorized as a healthy company or a company that is likely to go bankrupt, but in the quarter of December 2018 to June 2019 BNI Syariah is categorized as a distress zone, meaning that it indicates that the company has a high probability of going bankrupt.

Pengaruh Manajemen GAP, Modal, Likuiditas, Risiko Pembiayaan, Tingkat Efisiensi dan Ukuran Bank (Size) terhadap Net Interest Margin pada Bank Syariah Mandiri, Bank BRI Syariah dan Bank BNI Syariah Tahun 2015-2019

Net Interest Margin (NIM) is an indicator of the operational efficiency of a bank which is considered an important instrument used to assess the ability of effectiveness and managerial efficiency in utilizing bank resources and is also very important for controlling bank spending. This study aims to determine the relationship between Gap Management, Capital, Liquidity, Financing Risk, Efficiency Level and Bank Size (Size) on Net Interest Margin (NIM) at Mandiri Sharia Bank, BRI Sharia and BNI Sharia 2015-2019. Using panel data regression support with Random Effect Methods (REM). The results showed that simultaneously all exogenous variables have a significant effect on the endogenous variable Net Interest Margin (NIM). Partially the Gap Management and Liquidity variables have a significant positive effect on Net Interest Margin (NIM). Meanwhile, the variables of Capital and Bank Size have a significant negative effect on Net Interest Margin (NIM). However, the variable financing risk and efficiency level did not have a significant effect on the Net Interest Margin (NIM) at PT. Bank Syariah Mandiri Tbk, PT. Bank BNI Syariah Tbk, PT. BRI Syariah Tbk.

CUSTOMER PREFERENCES FOR IB HASANAH CARD PRODUCTS AS FINANCIAL CARD AT BNI SYARIAH BANK SURABAYA BRANCH

Currently, the Islamic finance industry is proliferating and continues to make exciting innovations to attract customers. This innovation offers convenience and efficiency in financing Islamic banking in Indonesia. one of the product innovations offered is a sharia credit card. Unlike conventional banks' credit cards, which based on interest, this Islamic credit card still based on a contract. This study aims to look at the preferences of sharia bank customers, especially at the Surabaya branch of BNI Syariah bank, in using the iB hasanah card product. The method used in this study is a quantitative method with an explanatory approach. This study indicates that contracts, fines, fees, and services together have a positive effect on customer preferences in choosing the iB Hasanah Card product. Furthermore, each variable significantly affects customer preferences in choosing the IB Hasanah Card as an efficient payment card.

KOMBINASI BISNIS BANK SYARIAH: REFLEKSI SATU TAHUN BANK SYARIAH INDONESIA

This research aims to explore the achievement of PT Bank Syariah Indonesia (BSI) in the first year implemented business combination. Data are penetrated from several information and quarterly financial statements that published through website of BSI. The results of this research show that business combination that executed by BSI is a merger where a company that become a survivor is PT BRI Syariah, Tbk., while Bank Syariah Mandiri and BNI Syariah become merging companies. So, BSI is a subsidiary company of PT Bank Rakyat Indonesia, Tbk. The products and services that offered by BSI to its customers are multi-enough and also accommodate the needs of customers both have sophisticate and naive of technology. Beside of that, the financial performance of BSI also works out positively trend during three quarters respectively. The limitations of this research are only to capture operationally one year of BSI and just take three aspects namely portion of ownership, products & services and financial performance, so relatively lack to show the comprehensive condition. The suggestion for next research is to develop or take other aspects that not studied in this research.

Analisis Pengaruh Pembiayaan Mudharabah dan pembiayaan Musyarakah Terhadap Profitabilitas Bank umum Syariah di Indonesia periode 2016 – 2020

The purpose of this research is to knowing the effect of mudharabah financing and musyarakah on the profitability which will use the ROA Ratio (Return on Assets). The type of research used during the research is descriptive quantitative. The samples used in this study is 6 Islamic banks and the data used are external secondary data and literature study in the form of annual financial reports consisting of PT Bank BNI Syariah, PT Bank BRI Syariah, PT Bank Syariah Mandiri, PT Bank BCA Syariah, PT Bank Muamalat Indonesia and PT Bank Bukopin Syariah for 5 years from the period 2016 to 2020. from the result of the research that has been done, there is influence of X1 or the mudharabah variable and X2 or the musyarakah variable on Y or the profitability variable significantly.Keyword: Mudharabah,Musyarakah,ROA

Does The Shariah Bank In Indonesia Through Financial Distress?

This study aims to determine the potential of financial distress for Shariah Bank Industry Sector in Indonesia in the 2016-2018 period using the Zmijewski model. The data used in this study are secondary data on Sharia-based Banking in the 2016-2018 period, namely in the form of financial and annual reports from Muamalat Bank, BRI Syariah Bank, BNI Syariah Bank, Mandiri Syariah Bank, and BCA Syariah Bank. The final results of this study indicate that Sharia-based banking in the 2016-2018 period were classified into two categories, namely companies included in the Distress Area and Non-Distress Area categories. The results of the analysis showed that all sharia banks that were used as research samples consistently included in the Non-Distress Area category in the 2016-2018 period, the five companies were included in the healthy category and had no potential to go bankrupt. And the Sharia banking that can be categorized as the healthiest of the five Sharia Bank samples is BCA Syariah Bank, which in this case is stable away from the cut-off point below 0 or Z <0 that is above -3.5.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MAHASISWA INSTITUT AGAMA ISLAH SAHID INAIS BOGOR MENABUNG DI BANK BNI SYARIAH

Abstract
 The results of the purpose of this study are to determine what factors influence and how much interest in Bank BNI Syariah. The benefits of increasing knowledge and getting to know what products are in BNI Syariah for INAIS students and increasing funding and leanding at Bank BNI Syariah, quantitative methods with deductive theory, with descriptive statistics online questionnaire to test data, nonprobability sample research sampling with purposive sampling technique and the Tabhacic & Fiedell approach. This research is supported by a Skrifsi from Yayan Fauji 2010 which states that what influences the interest in saving in Islamic banking is the profit sharing ratio and product quality of Islamic banking. A number of other findings that are not in line with this research regarding the factors that influence the interest in saving in Islamic Bank, a Skrifsi from Uniyanti 2018 states that what affects the interest in saving in Islamic Banks is the religious factor and pocket money income. The results of this study used linear regression test, partial T test, then the t-table with two-way test and α = 5% (0.05) was 1.97944. Then the t count in the variable of X1 Religious 1.293, X2 Knowledge 0.984, X3 Economic Ability of Parents 0.361, Promotion of Sharia Banks 1.367, the existence of facilities 1.758, and 1.549 administrative costs less than t table. Thus the decision Ho accepted Ha was rejected. This means that there is no influence and it is not significant (not real) from the 6 variables. The only effect of the 7 variables is the profit sharing ratio of 2.389, so that Tcount is greater than Ttable. So thus Ho's decision rejected Ha accepted. This means that there is an influence and significant (real) profit sharing ratio on student interest in saving at Bank BNI Syariah. Looking at the partial t test with Constant B 1,850 which affects the interest in saving INAIS students at Bank BNI Syariah is the profit sharing ratio variable with a value of 0.226 using a two-way test α = 5% (0.05) of 1.97944, then the value of Constant B + If the ratio value is around 2.076, the number of INAIS students who are interested in BNI Bank is around 0.02%, so 9.93% of students are not interested in saving at BNI Syariah Bank.
 Keywords: Religious, Knowledge of Parents' Economic Ability, Promotion of Sharia Banks, Availability of Facilities, Administration Costs and Profit Sharing Ratio.

Pengaruh Religiusitas dan Brand Liking terhadap Keputusan Menabung di Bank BNI Syariah Kabupaten Pasuruan

There are 3 purposes in this study, namely: 1) To find out and explain the influence of religiosity partially on saving decisions 2) To find out and explain the influence of brand liking partially on saving decisions 3) To find out and explain religiosity and brand liking simultaneously on saving decisions .
 The type of research used in this research is quantitative associative research. Data collection techniques are divided into questionnaires. The population and sample in this study were customers of BNI Syariah Bank in Pasuruan City. The number of samples is 114 and the sampling technique is accidental sampling. The data analysis method used is multiple regression analysis. This study uses TKT 3.

ANALYSIS OF THE EFFECT OF ISLAMIC BANK INCOME AND INCOME CONVENTIONAL BANKS AGAINST BANK PROFITABILITY

Bank Syariah Indonesia has sharia contracts that can make it easier for customers to get consumptive financing such as financing in the purchase of cars/motorcycles, but many people do not know that Islamic banks have such consumptive financing products. Based on the results of research on the mechanism and application of consumptive financing on the Oto iB Hasanah BNI Syariah Banda Aceh product, this can be done in three stages, namely: First, the customer applies for consumptive financing for the Oto iB Hasanah BNI Syariah Banda Aceh product by completing the file, second, checking data or verifying data for completeness and the truth of the file, thirdly, a field survey with the 5C principle (Character, Capacity, Capital, Condition and Collateral). murabahah namely an agreement on profit, payment method, sale and purchase agreement and delivery of goods.

PELUANG DAN TANTANGAN PERBANKAN SYARIAH DI INDONESIA PASCA MERGER

The development of sharia banks in Indonesia is very rapid, the latest three sharia banks owned by the Association of State-Owned Banks (Himbara) namely PT Bank BRISyariah Tbk (BRIS), PT Bank Syariah Mandiri (BSM), and PT Bank BNI Syariah (BNIS) merged into Bank Syariah Indonesia (BSI). However, the existence of sharia banks and the merger of three banks into BSI have not been fully responded positively by the market. Some Indonesians, especially Muslims have not made sharia banks a reference, not even infrequently they prefer to use conventional banks. In fact, in its system, BSI refers to sharia principles that guarantee its halalness and away from ribawi systems and practices. This study uses the library study method. This study concluded that BSI has a great opportunity in improving the economy of Indonesian people. BSI can improve the competitiveness of Sharia finance in the digital age. BSI has many opportunities to progress because many components support the creation of superior and reliable Sharia banking. BSI has enough power to advance to become a leading bank that plays an important role in economic growth in the country. On the other hand, BSI also faces challenges, namely the lack of institutional development, socialization and promotion, the quality of human resources and the utilization of technology.Keywords : Islamic Bank, Economic Growth, Indonesia

Fintech terhadap Kinerja Keuangan Perbankan Syariah di Indonesia

This study aims to determine the effect of mobile banking, internet banking and sms banking on the financial performance of Islamic banking in Indonesia. The type of research used in this research is descriptive research with a qualitative approach. The population in this study are all financial reports published by Islamic banks that have used mobile banking, internet banking and sms banking, namely BRI Syariah, BNI Syariah, Syariah Mandiri, BCA Syariah, Bukopin Syariah and BJB Syariah and have reported their financial statements with a period of 2015-2020. The results showed that mobile banking, internet banking and sms banking had a significant effect on the financial performance of Islamic banks in Indonesia

The Influence of Organizational Culture and Internal Control on the Implementation of Good Corporate Governance through Leadership Support as Mediation (AT PT. Bank Bni Syariah Banda Aceh Branch)

The purpose of this study was to analyze the influence of Organizational Culture and Internal Control on the implementation of Good Corporate Governance (GCG) through Leadership Support as Mediation AT PT. Bank BNI Syariah Banda Aceh Branch (BNI Syariah Banda Aceh). The population was all employees at BNI Syariah Banda Aceh Office. Researchers took a sample of employees as many as 110 respondents. The sampling technique used purposive sampling. The results show that organizational culture does not affect GCG, Internal control affects GCG, Organizational Culture affects Leadership Support, Internal control affects leadership support, Leadership support affects the GCG, organizational culture affects GCG through leadership support, and Internal Control affects GCG through leadership support. These findings show the mediation influence of leadership support functions as a full mediation variable on the organizational culture effect on GCG, and as partial mediation on the internal control effect on GCG. So this finding proves that the GCG strengthening model at BNI Syariah Banda Aceh is a function of improving organizational culture, strengthening internal control, and increasing leadership support.

Efficiency of Pre-Merged State-Owned Sharia Banks In Indonesia Using 2-Stage DEA

This study intends to conduct a comparative test of efficiency of the 3 merged state-owned banks using 5 merged Simulation models which will be measured by the 2-stage Data Envelopment Analysis (2-stage DEA) method with Islamic banks and also conventional in Indonesia. This study uses a quantitative approach using the 2-Stages Data Envelopment Analysis (DEA) method. By using in the first stage this method can measure the efficiency score generated from the input and also the output that has been determined, among others, by inputs namely Savings, Administrative Costs, Personal Costs. The outputs used are Financing and Income. In the second stage the method used is Tobit Regression which will see whether there is an influence between the dependent variables determined on the efficiency score. The dependent variable consists of 2 types, namely macrobanks consisting of GDP, Inflation, and Interest Rate. While the other is the Microbank variable including NPF, FDR, and ROA. In this study, 5 combination simulations will also be examined, which will see which combination is the most efficient. From the results of the study, it was found that the efficiency of Islamic banking as a whole is still below the efficiency of conventional banking. Meanwhile, by using 5 simulations of the merger planned by the government, namely combining BRI Syariah, BNI Syariah, and Mandiri Syariah, it was found that the merger of the 3 banks is the most optimal option in terms of efficiency. In this study also found that the dependent variable that affects the efficiency score is the ROA variable. Meanwhile, for other variables, namely NPF, FDR, GDP, Inflation, and also Interest rate does not significantly affect the efficiency score.

THE EFFECTIVENESS OF BANK SYARIAH INDONESIA INTEGRATION IN IMPROVING THE NATIONAL ECONOMY

PT Bank Syariah Indonesia, Tbk (BSI) as a sharia financial institution as a result of the merger of 3 sharia banks (Bank Syariah Mandiri, BRI Syariah and BNI Syariah) has officially been operating. BSI exists as an effort to encourage larger Islamic banks so that they can enter the global market and become a catalyst for sharia economic growth in Indonesia. After the merger, BSI has carried out the integration process in various sectors. In this qualitative research with this type of evaluation, the researcher will examine the integration process of the Indonesian Islamic Bank to see how effective it is in improving the national economy. Currently, the entire network of Bank Syariah Indonesia has been integrated with a single system or one system. This service system integration is one of the operational merger steps and can support BSI services to run more optimally. Through innovation in the integration process, BSI services run more effectively and efficiently where customers can transact more conveniently, easily and safely. BSI has very strong assets and liquidity through the merger of three large Islamic banks so that it will be more flexible to expand its business and expand the reach of Islamic financial services starting from the MSME segment, retail, to large-scale corporations. BSI is expected to be an accelerator for the development of the sharia economy in Indonesia. BSI is also believed to have a positive impact on the development of the sharia economy, because the new entity born from this corporate action will have large capital to move into driving national economic growth.

Analysis of Financial Performance Measurement Sharia Bank Using RGEC and SCnp (Shariah Conformity and Profitability) Model

The problem in this study is how the financial performance problems of BUMN Islamic banks using the RGEC and SCnP models and the comparison of the two methods. This study aims to determine the financial performance of state-owned Islamic banks using the RGEC and SCnP models and to compare the two methods. The type of research that the author uses is quantitative research. Data collection techniques using documentation through financial reports obtained from the official website of PT. BRI Syariah Tbk, PT. BNI Syariah, and PT. Bank Mandiri Syariah. The data analysis technique uses financial ratios and Sharia Conformity and Profitability (SCP) as measured by indicators of sharia conformity and profitability. The results showed that PT. BRI Syariah, Tbk in 2017, 2018, and 2019 based on the RGEC method, respectively, were at a composite rank of 3, while in the SCnP Model, each PT. BRI Syariah, Tbk is in the LLQ, LRQ, and LRQ quadrants. For PT. BNI Syariah in 2017, 2018, and 2019 based on the RGEC method was ranked 2, 2, and 1, respectively, while in the SCnP Model, PT. BNI Syariah is in the ULQ, ULQ, and URQ quadrants. Then PT. Bank Syariah Mandiri in 2017, 2018, and 2019 based on the RGEC method was respectively ranked 2, 2, and 1, while in the SCnP Model, PT. Mandiri Syariah Bank is in the next LLQ, LRQ, and URQ quadrants.

Analysis of Financial Performance Measurement Sharia Bank Using RGEC and SCnp (Shariah Conformity and Profitability) Model

The problem in this study is how the financial performance problems of BUMN Islamic banks using the RGEC and SCnP models and the comparison of the two methods. This study aims to determine the financial performance of state-owned Islamic banks using the RGEC and SCnP models and to compare the two methods. The type of research that the author uses is quantitative research. Data collection techniques using documentation through financial reports obtained from the official website of PT. BRI Syariah Tbk, PT. BNI Syariah, and PT. Bank Mandiri Syariah. The data analysis technique uses financial ratios and Sharia Conformity and Profitability (SCP) as measured by indicators of sharia conformity and profitability. The results showed that PT. BRI Syariah, Tbk in 2017, 2018, and 2019 based on the RGEC method, respectively, were at a composite rank of 3, while in the SCnP Model, each PT. BRI Syariah, Tbk is in the LLQ, LRQ, and LRQ quadrants. For PT. BNI Syariah in 2017, 2018, and 2019 based on the RGEC method was ranked 2, 2, and 1, respectively, while in the SCnP Model, PT. BNI Syariah is in the ULQ, ULQ, and URQ quadrants. Then PT. Bank Syariah Mandiri in 2017, 2018, and 2019 based on the RGEC method was respectively ranked 2, 2, and 1, while in the SCnP Model, PT. Mandiri Syariah Bank is in the next LLQ, LRQ, and URQ quadrants.

Implementation of GCG (Good Corporate Governance) on the Prevention of Fraud Financing in Islamic Banks

Although Islamic Banking operates with Islamic principles, there are still many frauds that are committed deliberately for particular cases. This study aims to determine the extent of the influence of Good Corporate Governance in Islamic banking on indications of fraud, especially at Bank BNI Syariah. This research is quantitative research with primary and secondary data, namely using a sample questionnaire and interviews. While the data analysis is using multiple regression with descriptive analysis. The results of the study concluded that the resulting regression had a very small R square at 34.7%. Finding. The results of the t-test show that partially the independent variables in GCG, namely information disclosure, accountability, responsibility, independence, fairness, are stated to not affect the financing of fraud. This is because the number of R squares has a small effect. After all, it is below 50% so that the impact on the insignificance of the variables in GCG on fraud financing. Therefore, it results from the t-test in which none of the X variables affect variable Y. From the information above, it can be concluded that the GCG variable simultaneously has a significant effect on financing fraud, but if tested partially, the GCG variable has no effect on financing fraud.

Cash Waqf Linked Sukuk (CWLS) di tengah Pandemi Covid-19 dan Implementasinya Terhadap Ketahanan Ekonomi

This study aims to determine how the Cash Waqf Linked Sukuk or CWLS program is in the midst of the Covid-19 pandemic and its implications for economic resilience. The system pioneered and implemented by the Indonesian Waqf Board or BWI is an interesting matter to study. In addition, based on the analysis of the CWLS research VOSViewer software, not many have researched it. Researchers use policy making theory which is used as a research point of view. This research is a descriptive qualitative research. The results of this study indicate that the CWLS waqf system is a form of social investment in Indonesia. The Indonesian Waqf Board acts as an accelerator. The subject of this system is the cash waqf itself collected by BWI as the manager of Indonesian waqf or Nazhir through BNI Syariah and Bank Muamalat Indonesia as Islamic Financial Institutions Receiving Cash Waqf or LKSPWU. Then the cash waqf will later be managed and placed in the State Sukuk Instrument or State Sharia Securities (SBSN) issued by the Ministry of Finance (Kemenkeu). CWLS itself also implements economic resilience. It can be seen on the BWI website on Cash Waqf Linked Sukuk (CWLS) that the government will use the results of the issuance of this State Sukuk to finance the state budget, including to finance the development of public service projects such as the development of educational infrastructure and religious services

The Challenge of Merger Result Bank during the Global Economic Recession due to the Covid-19 Pandemic: Case Study of Indonesian Islamic Banks

Bank Syariah Indonesia (BSI) is a new entity resulting from the merger of Bank Syariah Mandiri, BNI Syariah, and BRI Syariah. BSI was inaugurated in February 2021 amid the global economic recession due to the Covid-19 pandemic. It has not much been explained about the fundamental data of the 3 banks that formed BSI when the recession occurred due to the Covid-19 hit. As a result, BSI's record of challenges during the global recession has not appeared much. The aim of the research is to map the challenges that BSI will face when the economic recession due to the pandemic has not ended. BSI's challenge notes are useful for BSI policymakers, so they can mitigate risks. A qualitative method Miles-Huberman model is employed to analyze the data which is done through 3 stages: data reduction, data display, and verification or conclusion. Based on data analysis, BSI will face the challenges of slow deposit and financing growth, rising non-performing financing, declining net profit, and declining sukuk ratings.

THE IMPACT OF SYNERGY BETWEEN ICB AND ISLAMIC FINTECH LENDING ON THE ICB’S FINANCIAL PERFORMANCES

The synergy between Islamic financial institutions is one key in the development of Islamic economics as stated in the Masterplan for Islamic Economics of Indonesia 2019 - 2024. In 2018, three Islamic Commercial Banks (ICB), namely Bank Mega Syariah (BMS), Bank BNI Syariah (BNIS) and Bank Syariah Mandiri (BSM) conducting synergy with Islamic FinTech lending in the form of shadow investors. Through this study carried out analysis of the impact of synergy between ICB and Islamic FinTech lending on the ICB’s financial performances as one reflection of the success of the synergy and economic indicators that reflect the responsibility of the ICB to the regulator. Wilcoxon signed-ranks test is used as a data analysis technique with the results of study showing that sequentially the synergy most profitable for the BSM because of the positive impact on financial performances, especially in the aspect of capital, profitability, efficiency and asset quality. While, for BNIS known synergy has a positive impact on financial performances, especially in the aspect of capital, liquidity and efficiency. Meanwhile, for BMS is known that the synergy only has a positive impact on financial performances, especially in the aspect of asset quality. The results of this study are beneficial for the ICB, Islamic FinTech lending as well as the regulator as material to the evaluation or formulation of policy regarding synergy between ICB and Islamic FinTech lending in Indonesia.