Market Share Of Islamic Banking Research Articles

Analisis Tingkat Pemahaman KPR Syariah pada Bank Syariah di Indonesia: Studi Pendahuluan

Sharia banking has been growing in many countries since the birth of post-neo revivalist movement in the mid-20th century. The development of Indonesian sharia banking began with a workshop related with interests and banking held by MUI in Cisarua on 18th to 20th of August 1990. Since 1992 to 2013 it has been established 11 sharia commercial banks and 24 sharia conventional banks that open sharia business units and 156 Islamic Financing Bank. In terms of existing office, Islamic banks in Indonesia have reached 1737 bank offices and also Islamic bank units. Moreover, the market share of Islamic banking has almost reached 5% of the total market share banking in Indonesia. Islamic banking also has a mortgage product that is essentially different from the existing mortgage in the conventional banking. It is expected that the Islamic mortgage product will result a profit. The product is a product released for customers who require financing from Islamicbank to have a house. This early study used literature review method and secondary data. This study built an analysis of the mortgage program issued by Islamic banks in Indonesia. Research concludes that the notion of Islamic banking on mortgage product, especially Islamic financing mortgage, from the internal party has not well distributed yet.

EFISIENSI PERSAINGAN BANK UMUM SYARIAH: PENDEKATAN DATA ENVELOPMENT ANALYSIS (DEA) DAN BOSTON CONSULTING GROUP (BCG)

Islamic Banking industry in Indonesia has begun dynamic. Product availability and standardization of Islamic banking products, the level of understanding by the public of products of Islamic banks and human resources. Market share of Islamic Banking in Indonesia to lock everything. Recent data Directorate of Islamic Banking in 2011 reached Rp 127,19 T, assets of BPRS amounting to Rp 3.35 T, can be calculated total Islamic banking assets as of October 2011 reached Rp 130,5 T. Financing very important factor, Data Envelopment Analisys (DEA) is a measuring instrument of financing. Map of the Bank's performance in the competition between banks can be analyzed by matrix BCG (Boston Consulting Group). This matrix is used to describe the difference between the position of the relative market share of the Bank.DOI: 10.15408/sjie.v3i1.2059

Relatıonshıp Servıce Qualıty to Muslım Customer Loyalty in Islamıc Bankıng: Satısfactıon as Medıator

The majority of the Indonesian population is Muslims. However, the market share of Islamic Banking is only 3.0% of total banks in Indonesia.This shows that the products and services offered by these Islamic banks were not optimally taken up by the Muslim community. Are service qualities and satisfaction (provided by the bank) unattractive things for Muslim? Therefore, the research was done. The aims of the study are to analyze the service quality that directly and indirectly affects the satisfaction of moslem customers’ loyalty and the satisfaction as mediator toward Islamic bank. The study was conducted in the town of Malang with 315 respondents. The Purposive Sampling technique was used on Islamic banks in Malang. The data was analysed descriptively and inferentially by means of using SEM and the Smart-PLS. The finding from the inference analysis showed that all relations among the variables have significant influence, both directly and indirectly, and satisfaction as an intervening variable has a positive impact. Therefore, Islamic banks should give special attention to the quality of service guarantee to their customer. In addition, banks must also increase their quality service in order to make/ give more satisfaction and convenience. These findings have given new input to the theories of existing consumer behavior. The findings of this study can be used as a guide for other researchers in developing a model of consumer behavior and customer loyalty, particularly in terms of Islamic measurement model.

Financial stability of Islamic banking in Pakistan: An empirical study

The relative financial strength of Islamic banks was assessed empirically based on evidence covering individual Islamic and conventional banks in Pakistani banking system with a substantial presence of Islamic banking. Industry specific, bank specific, country specific and macro-economic variables were pooled for pair-wise and regression analysis. We found that (i) small Islamic banks tend to be financially stronger than small conventional banks; (ii) large conventional banks tend to be financially stronger than large Islamic banks; (iii) small Islamic banks tend to be financially stronger than large Islamic banks, which may reflect challenges of credit risk management in large Islamic banks; and (iv) the market share of Islamic banks had a significant impact on the financial strength of other banks. Key words: Islamic banking, conventional banking, financial stability.

Barriers to Islamic Banking Growth- Bank Employees’ Perspective from Pakistan

The concept of Islamic banking (IB) in Pakistan traces its roots back to late 70s. Since its inception it has had its fair share of growth. The IB industry, despite its growth during the last few years, has not fully nurtured and its share in banking industry is moderate 6.4%. This study explores the view point of bank employees of Gujranwala Division Pakistan regarding this statistics. By using a sample of 126 respondents, comprising Islamic bank employees (IBE) and conventional bank employees (CBE) to investigate the factors responsible for low market share of Islamic banking in banking industry. Our findings indicate that according to over all sample small network of branches, inadequate info about Islamic banking services, ignorance to teachings of Islam, trust deficiency towards Interest free banking and location of banks as the main reason for mere rise of Islamic banking. The factors change if we divide our sample in subsamples of IBE and CBE. Although considerable work in this area has been done in world and Pakistan is no exception to this however, the focus of majority of research is on the customers view point. This paper explores the roots of modest share of IB from bank employees’ angle.

Customers’ Perception on Islamic Retail Banking: A Comparative Analysis between the Urban and Rural Regions of Malaysia

Islamic banking was launched in Malaysia nearly three decades now, back in 1983. However, the market shareof Islamic retail banking (IRB) still seemed to be relatively low. Therefore, the main aim of the present study isto analyze the difference in the awareness, perception, and preferences on IRB between the urban and ruralbanking customers of Malaysia. Hence, a comparative analysis was conducted based on 537 respondentsrepresenting both urban and rural regions of Malaysia. Results revealed that there is a significant difference interms of awareness and on perceived complexity, uncertainty, and observablity. There also seem to be somevariations for returns, loan repayment period, service charges, and overdraft facilities. Thus, the findings wouldbe useful for the banking sector in understanding the customer perception and preferences concerning IRB, andto promote it strategically, and for the relevant authorities, in promoting specific regulations and policies thatenhance the market share of IRB.

Islamic Banks and Financial Stability: An Empirical Analysis

The relative financial strength of Islamic banks is assessed empirically based on evidence covering individual Islamic and commercial banks in 19 banking systems with a substantial presence of Islamic banking. We find that (a) small Islamic banks tend to be financially stronger than small commercial banks; (b) large commercial banks tend to be financially stronger than large Islamic banks; and (c) small Islamic banks tend to be financially stronger than large Islamic banks, which may reflect challenges of credit risk management in large Islamic banks. We also find that the market share of Islamic banks does not have a significant impact on the financial strength of other banks.

SDM Berbasis Syariah

Although the market share of Islamic banking is still relatively small, the growth and development of Islamic banking and financial institutions in Indonesia has been quite encouraging. To support the process of socialization and institutionalization of sharia banking working better, the existence of reliable and highly qualified Human Resources is indispensable. This article examines the characteristics of Sharia-based human resources derived from the philosophical framework of Islamic Economics. There are at least four Islamic philosophical basis of economics, namely tauhid (monotheism), justice and balance, freedom, and responsibility. For Islamic financial institutions, both banking and non-banking, as the business institutions based on values and principles of sharia, the qualification and quality of human resources are about an integration between the “knowledge, skill and ability” (KSA) with moral commitment and personal integrity. Some morality aspects referred here are alShiddiq (true, honest), al-amanah (trustworthy, credible), al-Tabligh (communicative) and al-fathanah (intelligent, professional). Moreover, in managing a business, the moral aspects were even as “key success factor”.

Islamic Banks and Financial Stability: An Empirical Analysis

The relative financial strength of Islamic banks is assessed empirically based on evidence covering individual Islamic and commercial banks in 18 banking systems with a substantial presence of Islamic banking. We find that (i) small Islamic banks tend to be financially stronger than small commercial banks; (ii) large commercial banks tend to be financially stronger than large Islamic banks; and (iii) small Islamic banks tend to be financially stronger than large Islamic banks, which may reflect challenges of credit risk management in large Islamic banks. We also find that the market share of Islamic banks does not have a significant impact on the financial strength of other banks.

Islamic Banks and Financial Stability: An Empirical Analysis

The relative financial strength of Islamic banks is assessed empirically based on evidence covering individual Islamic and commercial banks in 18 banking systems with a substantial presence of Islamic banking. We find that (i) small Islamic banks tend to be financially stronger than small commercial banks; (ii) large commercial banks tend to be financially stronger than large Islamic banks; and (iii) small Islamic banks tend to be financially stronger than large Islamic banks, which may reflect challenges of credit risk management in large Islamic banks. We also find that the market share of Islamic banks does not have a significant impact on the financial strength of other banks.