BRI Syariah Research Articles

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.

Kinerja Karyawan Bank Syariah : Evaluasi Faktor-faktor Pengaruhnya

The problem in this research is the decline in the performance of marketing employees of Bank BRI Syariah Semarang due to not being able to achieve the targets that have been charged. The research aims to evaluate the influence of incentive factors, emotional intelligence, organizational commitment and work morale on employee performance. The population as well as the sample in this study were all marketing employees of Bank BRI Syariah Semarang totaling 40 people (census technique). The analytical tool in this study is multiple linear regression. The results show that incentives, emotional intelligence, organizational commitment and work morale partially have a positive and significant effect on the performance of marketing employees of Bank BRI Syariah Semarang and the adjusted R square value in the regression model is 0.628 or 68.6 percent of employee performance can be explained by variations incentive variables, emotional intelligence, organizational commitment and morale while the remaining 31.4 percent is explained by other variables.
 
 Keywords: performance, incentives, emotional, commitment, passion

PENGARUH BOPO, CAR, NIM, FDR, NPF Net, ROA TERHADAP ROE PADA PT BANK RAKYAT INDONESIA SYARIAH TBK.

The author summarizes the problem formulation which aims to understand the statistical results of the effect of BOPO, CAR, NIM, FDR Net, NPF, ROA on the Profitability at PT BRI Syariah 2009-2020. This research uses a descriptive style by making quantitative case studies. The partial test results that have been carried out based on the Linear Regression Analyze model of the ROA component of Standardized Coefficients Beta shows the most influential component is 0,809 which is able to explain 80,9% very strong interest rates, TCount 4,693 TTable 2,17881 significance value 0,005 0,050 The hypothesis is accepted that the residuals are normally distributed to Profitability and the simultaneous test results that have been launched based on the Summary of Linear Regression Analysis Model together with the independent variable indicator of 0,996 are able to explain 99,6% of the very strong relationship between the dependent variables, FCount 116,023 FTable 4,95 Significance value 0,000 0,050 The accepted hypothesis is that the residuals are normally distributed to Profitability.

Dampak Penggabungan Tiga Bank Syariah di Indonesia

Bank Syariah Indonesia (BSI) was born from the merger of 3 state-owned Islamic banks (BUMN), namely PT Bank BRI Syariah Tbk (BRIS), PT Bank BNI Syariah (BNIS), and PT Bank Syariah Mandiri (BSM). BSI is the government's strategy to make Indonesia one of the world's Islamic financial centers. This study focuses on aspects affected by the merger of 3 Islamic banks, such as customers, employees, and the community. This study uses a qualitative method with a library research approach. The data used is secondary data, namely data sourced from existing literature or references. The results of the merger have an impact on several elements such as customers, employees, and the community. a) Customers can still transact using card-based electronic money. Customers only need to do bank migration, b) Employee status from BNI Syariah, BRI Syariah, and Bank Syariah Mandiri remains an employee of Bank Syariah Indonesia and there will be no termination of employment, c) Bank Syariah Indonesia (BSI) educates the public by launching a Sharia Economics literacy program and accelerating the completeness of the halal value chain in the development of the halal industry, financing UMKM supporting it, and participating in financing large-scale projects using sharia schemes.

Analisis Kinerja Keuangan Bank Umum Syariah Melalui Pendekatan Islamicity Performance Index

This study aims to determine how the financial performance of Islamic commercial banks in Indonesia through the islamicity performance index approach for the period 2013-2017, by the principles of justice, halalness, and purification. This study using quantitative descriptive research. The number of banks sampled are five Islamic commercial banks in Indonesia that have been selected, through a purposive sampling technique first. These banks are BRI Syariah, BNI Syariah, Mandiri Syariah, BCA Syariah, and Victoria Syariah. The type of data used is secondary data taken from the financial statements of each islamic commercial bank that is sampled. Through the islamicity performance index approach, the results of this study indicate that the financial performance of islamic commercial bank is unsatisfactory, based on the average of the variables that have been processed in accordance with predicate valuation standards.

Analisis Islamic Social Reporting pada Perbankan Syariah di Indonesia

This study aims to determine and analyze the effect of profitability, liquidity, company size and leverage on Islamic Social Reporting on Islamic commercial banks in Indonesia in the 2014-2018 period with the board of commissioners as a moderating variable. The main problem in this study is how much influence the profitability of the ISR is calculated through return on assets (ROA), namely the ratio between net income and total assets, liquidity to ISR calculated through the current ratio (CR), namely the ratio between current assets with current debt, the size of the company against ISR calculated by the natural logarithm of total assets, the effect of leverage on ISR calculated through the debt to assets rasio (DAR) and the board of commissioners as a moderating variable measured by the number of sharia board of commercial banks. The sampling technique using purposive sampling and obtained 7 company samples from a total of 14 population of Muamalat Indonesia Bank, BRI Syariah, BNI Syariah Bank, Mandiri Syariah Bank, Mega Syariah Bank, Syariah Bank Bukopin, BCA Syariah Bank. This type of research used in this study is quantitative. The data used in this study are secondary data in the form of finansial and annual reports. Data analysis techniques that researchers use are descriptive statistical analysis, classic assumption tests, Modereted Regression Analysis (MRA), partial hypothesis testing (t test), simultaneous hypothesis testing (f test), and coefficient of determination (R test). The R test of this study shows that the overall contribution of the independent variables, namely Profitability, Liquidity, Firm Size and Leverage to the dependent variable, namely ISR which is moderated by the Board of Commissioners variable is 70%, while 30% is determined by other variables not examined in this study. The F test of this study shows that simultaneously profitability, liquidity, firm size and leverage have a positive effect on ISR. The T test shows that profitability, liquidity, company size and leverage partially affect the ISR. The results of the moderation test are only liquidity and company size which are well moderated by the size of the board of commissioners in conducting ISR disclosures.

Analisis Perbandingan Pertumbuhan Dana Pihak Ketiga dan Profitabilitas Sebelum dan Sesudah Penerapan Program Laku Pandai pada BRI Syariah KCP Pati Jawa Tengah

The development of the banking industry should have been matched by the improvement of banking service for the whole society. “Laku Pandai” is coming as a solution for all people to experiencing the benefits of financial services. With a non-office based service it is expected to increase public absorbtion funds, therefore it can increase the banking profits. This study aims to determine the difference between the growth of third-party funds and profitability before and after the implementation of Laku Pandai in BRI Syariah. This type of research is quantitative by using secondary data in the form of financial statements from 2013 until 2019. The techniques used are purposive sampling and comparative method with a paired sample t-test parametric statistical test. The results showed that there was a significant difference in the growth of third party funds (DPK) before and after the implementation of Laku Pandai. While there is no difference in profitability growth (ROA) before and after the implementation of Laku Pandai.

THE PRE-MERGER EFFICIENCY OF BANKS: EVIDENCE IN INDONESIA STATE-OWNED ISLAMIC BANKS

In an effort to improve the development of the sharia economy in Indonesia, the Ministry of State-Owned Enterprises (BUMN) has decided to carry out a merger of BRI Syariah, Bank Syariah Mandiri, and BNI Syariah becomes Bank Syariah Indonesia. This merger plan is implemented to increase the share of the Islamic banking market so that it can compete with conventional banking. In order to be able to compete with conventional banking, Islamic banks must be able to have efficient performance and high productivity. This research is a quantitative study to analyze and compare the performance efficiency of BRISyariah, Bank Syariah Mandiri, and BNISyariah with the performance efficiency of ten conventional banks for the 2016-2019 periods using the Data Envelopment Analysis (DEA) method with five analysis models to obtain various considerations in preparing the merger plan. The estimation results show that if the three Islamic banks are merged, they will have inefficient performance with an efficiency score of 0.86. On the other hand, if only two Islamic banks are merged, namely BNISyariah and BRISyariah, it will produce perfect efficiency values.

Penerapan Maqashid Syariah Index pada Perbankan Syariah di Indonesia

This study aims to analyze the performance of Islamic banking in Indonesia (case studies in ) using the Maqashid Syariah Index (MSI) approach. This is a quantitative research with descriptive study approach with object of research being12 Islamic commercial banks, 4 banks in Indonesia as Bank Sharia BNI, Sharia BRI, Sharia Mandiri and Sharia BJB. The results showed that the performance of Islamic banking in Indonesia is considered better in the achievement of maqashid sharia.. The measurement results of the Maqasid Syariah Index show the highest ranking of Islamic banking in Indonesia is ranked 1st achieved by Bank Negara Indonesia Syariah with number 0.19138, the second ranking of Islamic banking in Indonesia is achieved by Bank BRI Syariah (BRIS) with 0.14879 and the three ranking of Islamic banking in Indonesian Bank Syariah Mandiri (BSM) was with 0.14580.

Analisis Penerapan Akuntansi dan Penggunaan Informasi Akuntansi Pada UMKM

The purpose of this study is to determine the extent to which accounting records are applied and the use of accounting information for MSMEs. The research method used is a qualitative descriptive case study approach. The object of this study took 10 MSMEs registered in the financing of Bank BRI Syariah KCP Semarang. Collecting data from this study using interview methods, questionnaires, and documentation. The data obtained were triangulated and analyzed. The results of this study, that the application of accounting records and the use of accounting information on MSMEs registered in the financing of Bank BRI Syariah KCP Semarang has been implemented even though it is still simple in nature. MSMEs have made accounting recognition such as assets, liabilities, equity, income, and cost of goods and expenses. Financial reports are made in the form of cash flows and notes to financial statements. MSMEs have also used accounting information in the form of operational information, management information, and financial information to make decisions.

Dimensi E-Servqual dan Dampaknya Terhadap E-Satisfaction Layanan Mobile Banking

This study aims to determine the effect of e-servqual on e-satisfaction on mobile banking customers. The population in this study was all customers of BRI Syariah at State Islamic University sultan Syarif Kasim. The sampling method in this study uses non probability sampling with a purposive sampling technique where this technique takes samples with certain considerations. The data used are primary data and secondary data. Data analysis method used is multiple linear regression methods. The results showed the facts of the six e-servqual variables offered in this study, only the fulfillment, privacy, and responsiveness variables have a significant relationship. While the 3 other variables namely efficiency, reliability and contact do not have a significant influence on e-satisfaction customers of BRI Syariah mobile banking in UIN Suska Riau. These six e-servqual variables have an effect of 62.7% on the e-satisfaction variable while the remaining 37% are approved by other variables not included in this study.

The Effect of Financial Performance on ROA Projected as Profitability

The study aims to determine the effect of financial performance on ROA, in which financial performance is indicated by the variables ROE (X1), NPF Gross (X2), BOPO (X3), and FDR (X4) in BRI Syariah (BRIS) Quarterly 2012-2019. The research data used secondary data and tested by regression test and then tested the classical assumptions consisting of normality test, heteroscedasticity test, multicolinearity test, and autocorrelation test. While the data analysis used multiple linear regression analysis. The results of the study indicate that of the four independent variables, only Gross NPF is not significant with a regression test value on ROA of 0.0929, which means that Gross NPF does not pass the test because the probability value is > 0.05.

Faktor – Faktor Yang Berdampak Terhadap Pendapatan Margin Murabahah Pada Bank BRI Syariah Periode 2012 - 2019

This study objective to examine factor the impact income margin Murabahah in islamic banking Indonesia. Multiple linier regreson analysis, coefficient of determination, hypotesis testing and the classical assumption is the analyctic tool in this research. The islam bank in indonesia are the populaton in this study, while . The sampling of this resarch is the bank BRI syariah in Indonesia by using saturated sampling method. The result show that, (1) the Murabahah Financing has a partial impact on the Murabahah margin income (2) the third party funds have a partial impact on the Murabahah margin income in BRI syariah, (3) the BI Rate has a partial impact on the Murabahah margin income in BRI syariah, and (4) the operational cost have a partial impact on Murabahah margin income in BRI syariah, while Variabel Murabahah Financing, Third Party Funds, BI Rate, and Operational Cost have a simultaneous impact on Murabahah margin income. The result of the coefficient of determination on the ajusted R Square value is 0.834, which means that the variable Murabahah Financing, Third Party Funds, BI Rate and Operational Cost impact Murabahah margin income by 83.4% Keywords : Murabahah margin, third party funds, BI Rate, biaya opearsional

Intellectual Capital in Customer’s Perception of Sharia Banking in Pangkalpinang

This study investigates the influence of intellectual capital with the dimensions of Human Assets (HC), Structural Capital (SC), and Relationships (RC) on banking performance in the perceptions of customers on Syariah Bank in Pangkalpinang. The choice of method in this research is quantitative with the target of five Sharia banks in Pangkalpinang, namely Bank Syariah Mandiri, BRI Syariah, Bank SumselBabel Syariah, and Bank Muamalat. There were 20 questionnaires distributed in each Sharia bank. The measuring instrument used to calculate the variables is Structure Equation Modeling (SEM). The path coefficient value data processing or path coefficient bootstrapping analysis with the direction of the relationship obtained the human asset variable (HC) results, showing a positive number of 0.361. The structural capital variable (SC) shows a positive number of 0.436, the human asset variable (HC), and the capital variable structural (SC) has a positive effect on banking performance. For the relation variable (RC), the original value showed a positive number of 0.076. The t-statistic value was smaller than the t-value, 0.704 <1.96 so that the relationship variable had no positive effect on banking performance.

Indonesia Sharia Bank Merger Process Reviewed from Business Competition Laws

Islamic bank entities in Indonesia, namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri have merged to become Bank Syariah Indonesia. The merger process was effective on February 1, 2021. As we know, the three banks are state-owned, which have significant assets and have a reasonably large market in Indonesia. In connection with business competition law which seeks to create a fair business competition situation in Indonesia, every corporate action, including merger activities, must be notified to the Business Competition Supervision Commission (hereinafter as KPPU) to assess whether monopolistic practices or unfair business competition have occurred or not. The notification is an effort to supervise every business actor in order to carry out activities that do not violate business competition and do not harm other parties. This study aims to examine normatively the merger process carried out based on business competition law in Indonesia. The research uses materials from both regulations, legal principles, doctrine, and sources related to the subject matter. The data obtained were then analyzed for further analysis to produce conclusions. The results showed that the merger process between the three Islamic banks in Indonesia did not violate the business competition law because it did not occur in a position monopoly and the absence of monopolistic practices.

Effect of Growth Level, Asset Structure, Liquidity and Profitability on Capital Structure

Competition in the business world encourages financial managers to take decisions carefully, one of which decisions related to capital structure. The purpose of the study is to find out and analyze the effect of growth rates, asset structure, liquidity, and profitability on capital structure in the three banking sector companies incorporated in the Sharia Stock Index Indonesia (ISSI) for the period of 2015 to 2018. The research uses quantitative methods with secondary data obtained from the official bank's website. It uses purposive sampling technique by certain criteria namely BRI Syariah (BRIS), Bank Tabungan Pensiunan Nasional Syariah (BTPS), and Bank Panin Dubai Syariah (BPNS) for the 2015-2018 period. Analysis of the data used in this research is using multiple linear regression analysis with the help of data processing tools IBM SPSS version 20 through the classic assumption test that is normalization test, multicollinearity test, autocorrelation test, and heteroscedasticity test, with hypothesis testing T test, F test and Adjusted R2. It shows that partially the growth rate has no significant effect on capital structure, asset structure has a significant effect on capital structure, liquidity has no significant effect on capital structure, and profitability has a significant negative effect on capital structure. The results of the F test indicate that the growth rate, asset structure, liquidity and profitability have an effect on the capital structure. The amount of Adjusted R2 is 0.857. In the sense that 85.7 percent of the independent variables, while the remaining 14.3 percent of the variables are explained outside the research model.

Pengaruh Pembiayaan Mudharabah dan Pembiayaan Musyarakah Terhadap Laba Bersih PT. Bank BRI Syariah

This research has the objective of knowing and testing mudharabah and musyarakah financing whether or not there is an effect on net income at PT Bank BRI Syariah in 2018-2020. This research uses a quantitative descriptive method using secondary data derived from financial reports in the form of mudharabah financing data, musyarakah financing and net profit after tax from 2018 to 2020. This research uses an analytical tool, namely multiple linear regression. The SPSS 23.0 application was used to test the data in this study. Mudharabah and musyarakah financing based on the results of data analysis show that the net income together has a significant effect. This data analysis test shows that mudharabah financing on net income does not have a significant effect, meaning that if there is an increase or decrease in mudharabah financing, it will not affect the bank's net profit. Otherwise, musyarakah financing has a significant and positive effect on net income, meaning that the greater the income earned through musyarakah financing, the higher the Bank's net profit.

The Effect of Service Quality on Customer Loyalty at BRI Syariah Bank Bone Office Branch: A Review of Law Number 8 of 1999 concerning Consumer Protection

This study was conducted to analyze and determine the effect of Service Quality Variables on customer loyalty in BRI Syariah Bank Bone Office Branch. This study juxtaposes the quality of customer service in banking institutions with the level of customer loyalty. In addition, the two variables are examined with the conception of consumer protection as regulated in Law number 8 of 1999. This study uses qualitative research methods and the analysis used is SPSS 20. The analysis test includes a normality test that analyzes parametic statistics, and a regression coefficient test is used to determine the effect of service quality on customer loyalty. The results obtained by the regression equation Y = 1,082 + 0,255 + ε. Based on a simple linear regression test, it shows that service quality has a positive and significant effect on customer loyalty in BRI Syariah Bank Bone Office Branch. The positive influence shows a match between service quality and customer loyalty; hence the role of service can increase customer loyalty. The relation to consumer protection regulated in Law no. 8 of 1999 concerning Consumer Protection, maximum service in its various forms is the basic rights that consumers deserve, and this has been obtained by customers of BRI Syariah Bank Bone Office Branch, thus it is relevant to consumer protection and customer service.

BEST SHARIA BANK IN INDONESIA: AN ANALYTICAL HIERARCHY PROCESS (AHP) APPROACH

This study aims to determine the performance of Islamic commercial banks in Indonesia using the following assessment criteria: capital, asset quality, efficiency, liquidity, Sharia Conformity & Profitability (SCnP), and the Maqasid Index. The sample includes the five best Sharia banks in Indonesia. All the data are obtained based on the annual reports of each bank taken from the bank's websites in 2019. Data were analyzed using the Analytical Hierarchy Process (AHP) method. This tool helps make decisions from several alternative choices of sharia bank institutions. The results show that Bank Muamalat Indonesia, Bank Syariah Mandiri, and BRI Syariah are the three best performing Sharia banks in 2019.

Pengaruh Kinerja Keuangan terhadap Kemampuan Membayar Zakat PT. BRI Syariah Periode 2011-2018

Islamic financial institutions including PT. BRI Syariah from the financial statements determines the amount of zakat of the company because in Islam one of the objectives of financial reporting is for the purposes of zakat. This research is a quantitative research. The collection technique used in this study was secondary data as many as 32 samples. The data collection technique is documentation. The data analysis technique used multiple linear regression methods, classical assumption tests, and hypothesis testing with data processing using the SPSS version 23 computer program. The results of the study partially (t test) stated that, ROA had a significant effect on the ability to pay zakat. ROE has a significant negative effect on the ability to pay zakat. BOPO has a significant negative effect on the ability to pay zakat. Simultaneous research results (F test) states that ROA, ROE and BOPO affect the ability to pay zakat. While the results of the coefficient of determination (R2) ROA, ROE and BOPO are able to influence the ability to pay zakat. Keywords: ROA, ROE, BOPO, Ability to Pay Zakat