Bank Muamalat Research Articles

ANALISIS TINGKAT KESEHATAN BANK SYARIAH DENGAN MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING DAN CAPITAL) STUDI PADA PT. BANK MUAMALAT IDONESIA TAHUN 2018- 2022

n 2018, Bank Muamalat was rumored to be bankrupt due to the high ratio of nonperforming financing which had an impact on depleting banking capital. This research aims to determine the health level of Bank Muamalat in 2018-2022 using the RGEC method. This type of research uses a quantitative descriptive approach. The data used in this research is secondary data, namely the annual financial reports for 2018-2022. The research results show that the health level of Bank Muamalat Indonesia in 2018 was in the quite healthy category with a final composite score of 62.85% getting a composite rating of 3, in 2019 it was in the quite healthy category with a final composite score of 62.85% getting a composite rating of 3, in 2020 it was in the quite healthy category with a final composite score of 62.58% getting a composite rating of 3, in 2021 it was in the quite healthy category with a final composite score of 68.57% getting a fairly healthy composite rating, and in 2022 it was in the quite healthy category with The final composite score was 68.57%, obtaining a composite rating of 3.

Does Intellectual Capital Efficiency Translate into Financial Performance for Islamic Banks in Indonesia? Evidence from the Pre-Pandemic Period

This study investigates the determinants of financial performance in Indonesian Islamic banks, focusing on the Financing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) as key indicators. Utilizing data from Bank Syariah Indonesia (BSI) and Bank Muamalat Indonesia (BMI) between 2016 and 2020, the research employs Ordinary Least Squares (OLS) regression analysis to examine the influence of Human Capital Efficiency (HCE), Structural Capital Efficiency (SCE), and Capital Employed Efficiency (CEE) on FDR and CAR. The findings reveal that while CEE has a statistically significant negative relationship with FDR, the model for CAR lacks a statistically significant fit. This research contributes to understanding the role of intellectual capital in Islamic banking performance and offers insights for stakeholders in the Indonesian Islamic finance sector, with implications for the post-pandemic era.

The Application of Value-Based Intermediation Through Waqf in Islamic Banking

The Islamic financial industry has experienced an exponential transformation that has contributed greatly to the national economic growth. Malaysian Islamic finance is considered one of the most comprehensive Islamic financial systems in the world. Bank Negara Malaysia (BNM) has introduced a new concept of Value-Based Intermediation (VBI). This banking practice focuses on profit and supports social values for a sustainable economy, community, and environment. This study discusses the involvement of Bank Muamalat Malaysia Berhad in waqf development, focusing on business activities in line with VBI. This qualitative study applied document analysis and semi-structured interviews and found that Bank Muamalat Malaysia Berhad is an Islamic banking institution that bases its existence on commercial profits and is able to implement activities related to waqf development, such as cash waqf collection and waqf project financing consistent with VBI.

The Effect of Capital Adequacy Ratio and Sukuk Sales on Profitability at Bank Muamalat

The Effect of Capital Adequacy Ratio and Sukuk Sales on Profitability at Bank Muamalat

The Influence of CAR, FDR, and BOPO

One metric used to assess how well a business is performing is profitability. An organization's capacity to turn a profit can be used to measure performance. A high profitability level indicates excellent success for the organization. Return On Assets (ROA) is the ratio used to determine the degree of profitability. At the same time, the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses and Operating Income (BOPO) ratios are known to have an impact on the degree of profitability. This research aims to examine how CAR, FDR, and BOPO affect profitability. This quantitative study utilizes information gathered from Bank Muamalat Indonesia's quarterly financial reports issued between 2013 and 2021. This study employed multiple linear regression with the e-views Nine program as the research method. According to the research's findings, the degree of profitability is significantly impacted by the FDR and BOPO variables but not by the CAR variable. Furthermore, the study's findings indicate that the CAR, FDR, and BOPO variables significantly affect the profitability level simultaneously. The findings of the coefficient of determination (R2) analysis, which indicate that CAR, FDR, and BOPO have an impact on the profitability level, which is 98.60% and 1.40% with the influence of other factors from outside the analysis model, support this.

Analisis Kinerja Keuangan Berdasarkan Rasio Likuiditas dan Solvabilitas Pada PT. Bank Muamalat Indonesia Tbk

Financial performance is an analysis that is carried out to see to what extent a company has implemented and applied the rules of financial enforcement properly and correctly. By measuring financial performance, it can be seen the prospects of growth and development of the company. A company is said to be successful when it has achieved a certain set performance. The purpose of this research is to find out the financial performance based on the ratio of liquidity and solvency in the PT. Bank Muamalat Indonesia Tbk period 2018-2022. This type of research is descriptive research with a quantitative approach. The sample in this study is the annual financial report of Bank Muamalat for the period 2018-2022. Data collection techniques are documentation and library with data analysis using miscrosof exel software. The research results show the financial performance of PT. Bank Muamalat Indonesia based on the liquidity ratio for the 2018-2022 period is in the unhealthy category. This can be seen from the quick ratio indicator in 2018-2020 in the unhealthy category but in 2021 and 2022 the healthy category, the cash ratio value in the unhealthy category, the loan to deposit ratio in the unhealthy category, the assets to loan ratio in the healthy category in accordance with Bank regulations Indonesia. Financial performance of PT. Bank Muamalat Indonesia based on its solvency ratio for the 2018-2022 period is in the healthy category. This can be seen from the Primary Ratio indicator in the healthy category. The secondary risk ratio indicator is in the unhealthy category. The capital ratio indicator is in the healthy category in accordance with Bank Indonesia regulations

Pengaruh Pengetahuan Etika Bisnis Islam Karyawan Terhadap Etika Pemasaran Islam

The purpose of this study is to determine the effect of Islamic Business Ethics and the Understanding Level of Employee on Islamic Marketing Ethics (Case Study of Employees of Bank MuamalatBaturaja Sub-Branch Office).This study uses primary data with a quantitative approach. The population in this study amounted to 11employees of Bank Muamalat Baturaja Branch Office. Sampling in this study used a saturated sampling formula, so that 11 employees were sampled in this study. The analytical method used in this research is validity testing, reliability testing, classical assumption testing, and hypothesis testing using IBM SPSS 25 statistical analysis.The results of this study indicate that Islamic Business Ethics has a significant positive effect on Islamic Marketing Ethics and the understanding level of employees has no effect on Islamic Marketing Ethics while work discipline has a significant positive effect on Islamic Marketing Ethics, between Islamic Business Ethics and the Level of Understanding of Employees, the Level of Understanding of Employees is the most dominantly influence on the application of Islamic Marketing Ethics at Bank Muamalat Branch Office of Baturaja is Islamic Business Ethics.

Pengaruh Pendekatan Nasabah Dan Pengalaman Nasabah Terhadap Loyalitas Nasabah Pada Bank Muamalat KCP Baturaja

The purpose of this study is to determine the influence, Customer Intimacy and Customer Experience on Customer Loyalty at Bank Muamalat KCP Baturaja.This study used primary data with a quantitative approach. Classical assumption testing techniques, and hypothesis testing using IBM SPSS 26 statistical analysis. The results of this study show that Increasing Customer Intimacy has a postive effect on Customer Loyalty (1,822>1,661), while Customer Experience has a significant positive effect on Customer Loyalty (7,931> 1,661). Increase Customer Bonding, Customer Intimacy and Customer Experience simultaneously (35,448> 3,09).

Operational and Marketing Strategic For Integrated Digital Service Attractiveness: A Study on "Madina" From Bank Muamalat Indonesia

Technological developments are forcing the banking sector to adapt to the digital era. Bank Muamalat Indonesia focuses on e-Banking services for non-individual customers. 24/7 service, including the MADINA feature for real-time transactions, makes things easier for customers. MADINA, a CMS application, makes cash management easier for corporate customers. Through SWOT and QSPM analysis, the bank formulates a digital marketing strategy to improve business performance. This research uses mixed methods, combining quantitative and qualitative data to produce a narrative description. This approach emphasizes the nature of data, process rather than results. Descriptive analysis was carried out using a financial ratio approach. The focus is on converting qualitative data into quantitative data from interviews as a data collection technique. Bank Muamalat Indonesia will implement a collaboration strategy with third parties as a top priority, with the highest TAS of 4,143. The second alternative is to utilize brand image, with TAS 4,068. Utilization of technology in promotions was the third highest strategy, with TAS 4,031, followed by sustainable satisfaction for partners with TAS 4,003. Training to improve the quality of human resources is the final strategy with a TAS weight of 4.031.

Analysis of Islamic Economic Principles in Financial Technology in Indonesian Islamic Banking

The purpose of this research in to provide an overview of the implementation of financial technology in the mobile banking system owned by Bank Muamalat Indonesia and what Islamic economic principles are used in its implementation. The research method uses a qualitative with type of case study at the Lamongan sub-branch office, East Java, Indonesia. The result of the research is the implementation of financial technology in Islamic Banking namely Bank Muamalat Indonesia by features. The principle of Islamic economics applied is not to make transactions that contain riba, gharar, maysir, tadlis, riswah and isyraf in financial technology services with Muamalat DIN features found in mobile banking.

Ziyadah from an Islamic Perspective (Case study at BMT Al-Rifa’ie)

Islamic banking principles emerge primarily from the unequivocal prohibition of riba (usury) in the Quran. The Indonesian government has bolstered Islamic banking with legal frameworks, beginning with Law No. 7 of 1992, later replaced by Law No. 10 of 1998, providing a robust legal basis for its operations. The evolution of Islamic banking in Indonesia started with the establishment of Bank Muamalat Indonesia (BMI) on November 1, 1991, which catalyzed the rise of Islamic financial institutions such as Baitul Maal Wa Tamwil (BMT). Interest (riba) is forbidden in Islam due to the additional or ziyadah interest charged on loan transactions. BMT, operating as an Islamic financial institution, eschews interest in favor of profit-sharing systems. The Indonesian Ulema Council (MUI) has issued several fatwas related to ziyadah, including MUI Fatwa No. 1 of 2004. This research, conducted at BMT Al-Rifa’ie, adopts a qualitative approach with a historical hermeneutic analysis. Informants include seven individuals from management, customers, and the MUI. The study concludes that the ziyadah practices at BMT Al-Rifa’ie align with Islamic principles.

Analysis of the Effect of Inflation, Gross Domestic Product (GDP), Foreign Currency Exchange Rates and Interest Rates on the Profitability of Sharia Commercial Banks in Indonesia (Case Study of Bank Muamalat for the 2007-2023 Period)

This research aims to analyze the influence of Inflation, Gross Domestic Product, Exchange Rates and Interest Rates on the profitability of Islamic banking, especially Bank Muamalat. This research uses descriptive quantitative methods. The data in this research is secondary time series data published by the Central Statistics Agency (BPS), Bank Indonesia (BI), Financial Services Authority (OJK). The data analysis technique uses multiple linear regression analysis which has previously been tested with classical assumptions. The results of multiple linear regression include that inflation and exchange rates have a significant effect on RoA, GDP and interest rates do not have a significant effect on RoA and inflation, economic growth, exchange rates and interest rates have a significant effect on Return on Assets of Bank Muamalat for the 2007-2023 period.

Pendapat Bagi Hasil Tabungan IB Muaamalat Prim Terhadap Tingkat Kepuasan Nasabah

Sharia banking is basically a development of the concept of Islamic economics, especially in the financial sector, which was developed as a response from economic groups and Muslim banking practitioners in the form of accommodating pressure from various parties who want financial transaction services carried out in line with moral values ​​and principles. Islamic sharia. Based on the Basic Banking Law Number 7 of 1992, which was reaffirmed by the issuance of Republic of Indonesia Law Number 10 of 1998, the type of sharia banking is Bank Muamalat Indonesia (BMI). Based on Law no. 10 of 1998 concerning banking, what is meant by savings are deposits from which withdrawals can only be made according to certain agreed conditions. The profits obtained by savers with this scheme are in the form of prizes, the amount of which is in accordance with the policies of each Sharia Bank. Savers who want a higher investment can choose the iB Muamalat Prima savings type with a profit sharing scheme. The research focus includes: 1) What is the influence of IB Muamalat Prima savings on the level of customer satisfaction at BMI KCP Sumenep? 2) What influence does IB Muamalat Prima's savings have on the level of customer satisfaction at BMI KCP Sumenep? In this writing, research is used. This research uses a quantitative approach, where research with a quantitative approach is defined as research where the data is in the form of numbers, taken from the population or samples, data collection using research instruments and analysis using statistical techniques, and aims to test the hypotheses that have been determined. Meanwhile, the type of research used is causality research. This research uses a quantitative approach, namely using statistical data analysis, while its nature is causality, namely cause and effect between two variables using statistical techniques. This research comes to the conclusion 1) Partially, profit sharing income has a significant influence on the level of satisfaction of BMI Kcp customers. Sumenep, this is indicated by the significance value of the profit sharing income variable of 0.000 which is smaller than the α value (0.05). 2) profit sharing income has an influence on the level of satisfaction of BMI Kcp customers. Sumenep was 29.9%, while 70.1% was influenced by other variables outside this research.

Analisis Monitoring Pembiayaan Mudharabah dalam Mengurangi Resiko NPF pada Bank Muamalat KCP Sukaramai Medan

This research aims to analyze the monitoring and mitigation of NPF risk in mudharabah financing at Bank Muamalat KCP Sukaramai Medan. The research method used is a descriptive qualitative approach with data collection through observation, interviews and analysis of related documents. The analysis results show that Bank Muamalat has implemented various risk mitigation strategies such as financing restructuring, monitoring partners, and portfolio diversification to reduce NPF risk. The significant decline in the NPF level after implementing risk mitigation policies shows the effectiveness of this strategy in maintaining bank financial stability. In conclusion, the monitoring analysis of mudharabah financing at Bank Muamalat KCP Sukaramai Medan proves the importance of risk mitigation strategies in managing NPF risk and ensuring the sustainability of sharia banking business.

Customer's Decision to Open a Bank Account Using Mobile Banking Application: Case In The Muamalat Digital Islamic Network (MDIN)

<p><em>As digital technology based on the Internet of Things (IOT) develops, it should be able to increase banking access (inclusivity) for customers and attract the interest of potential customers. Banking digitalization is currently much more developed than just transaction features but also includes a savings account opening system. Bank Muamalat Indonesia is one of the sharia banks that participates in the development of digital technology by presenting a mobile banking application called MDIN or Muamalat Digital Islamic Network. Digitalization of sharia banking should provide convenience and attract the interest of potential customers, considering that the market share of sharia financial institutions in Indonesia is still low. This research aims to determine customer preferences for opening a savings account via MDIN.</em><em> </em><em>This research uses a qualitative research method with a case study approach. The objects of research include customer preferences in using MDIN digital banking. The subjects of this research are customers who open savings accounts through MDIN. The research results show that customer preferences in using MDIN as an option for opening a savings account are based on several factors such as social factors, ease of service, benefits and personal factors. Social and personal factors are the most dominant factors in customer</em><em>’</em><em> decision making to open a savings account through MDIN digital banking.</em></p>

The Influence of the Level of Financial Literacy and Digital Literacy on Generation Z's Interest in Saving at Bank Muamalat Indonesia KCP Mojokerto

This research aims to determine the influence of financial literacy and digital literacy levels on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto. This research uses quantitative methods using primary data. The population of this research is Generation Z customers who save at Bank Muamalat Indonesia KCP Mojokerto. Data collection was carried out by distributing questionnaires to customers in the city of Mojokerto as many as 96 sample respondents using a purposive sampling technique with the following considerations: (1) generation Z customers who save at Bank Muamalat Indonesia KCP Mojokerto. The data obtained was then processed using the multiple linear regression method using IBM SPSS 25 software. The analysis used included validity and reliability tests, classical assumption tests, multiple linear regression tests, and hypothesis testing. The results of this research show that partially financial literacy has a positive and significant effect on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto, digital literacy has a positive and significant effect on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto. Simultaneously financial literacy and digital literacy influence Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto.

Studi Komparatif Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah (Bank Muamalat Indonesia Cabang Probolinggo dan BSI KCP Probolinggo Sudirman)

This study aims to determine the comparative or different effect of service quality on customer satisfaction at two different banks, namely Bank Muamalat Indonesia Probolinggo Branch and BSI KCP Probolinggo Sudirman. The population of this research is all customers of Bank Muamalat Indonesia Probolinggo Branch and BSI KCP Probolinggo Sudirman. While the method used in this study is a random sampling method, namely the sampling of population members is done randomly. So that in this study using a sample of 96 customers for Bank Muamalat Indonesia Probolinggo Branch and as many as 97 customers at BSI KCP Probolinggo Sudirman. In this study, primary data was used, namely through a questionnaire using a measurement scale, namely the Likert scale. The method used in this research is multiple linear regression method. Based on the results of the T test, it shows that there is an effect of service quality of 38.75% on customer satisfaction at Bank Muamalat Indonesia Branch. smaller than 0.05, so H0 is rejected and Ha is accepted. Likewise with the results of the T-test of Bank Syariah Indonesia Kcp. Probolinggo Sudirman there is an effect of service quality of 30.68% on customer satisfaction. Based on the comparison test, there is a difference in the value of the influence of service quality on Bank Muamalat Indonesia Probolinggo Branch and Bank Syariah Indonesia Kcp. Probolinggo Sudirman by 8.07%. The influence given by service quality on customer satisfaction at Bank Muamalat Indonesia Probolinggo Branch is greater than Bank Syariah Indonesia Kcp. Probolinggo Sudirman.

Financial Performance of Islamic Banking in Indonesia with The Maqashid Syariah Index Approach

Banking performance is measured using financial ratios. However, for Islamic banking, it is much more complex compared to conventional banking. It's not just about testing profitability levels; it's more about compliance with Islamic principles, namely Maqashid Shariah. This makes the products and performance evaluation of Islamic banking distinct from conventional banking. The purpose of this research is to assess the financial performance of Islamic Commercial Banks in Indonesia using the Maqashid Shariah Index approach for the period 2017-2019. This research is classified as descriptive quantitative research. The objects of the study are Bank Muamalat Indonesia (BMI), Bank Syariah Mandiri (BSM), Bank Tabungan Pensiun Nasional (BTPN Syariah), and Bank Aceh Syariah (BAS). The research method used the Maqashid Shariah Index analysis technique. The data used are secondary data in the form of annual reports from 2017-2019 obtained from the official websites of each bank. The research results indicate that the financial performance of Islamic Commercial Banks (BUS) using the Maqashid Shariah Index for the period 2017-2019 is as follows: Bank Syariah Mandiri (BSM) achieved the highest ranking with an index value of 0.273841 or 27.38%. The second rank is held by Bank Muamalat with an index value of 0.267941 or 26.79%. The third rank is obtained by Bank Aceh Syariah with an index value of 0.260473 or 26.047%, and BTPN Syariah has the lowest ranking with an index value of 0.1735705 or 17.35%.

Pengaruh Work Life Balance, Stress Kerja Dan Etika Kerja Islam Terhadap Kinerja Karyawan Pasca Pandemi Covid – 19 di Bank Muamalat KCU Medan Baru

This exploration plans to figure out how Islamic hard working attitudes, work pressure, and balance between serious and fun activities impact representative execution at Bank Muamalat KCU Medan Baru after the Coronavirus pandemic. This examination is a kind of survey research using a quantitative system. This investigation data was obtained from 34 respondents using an inside and out examination system. Opinion polls are used in the process of gathering information. The data checking procedure in this investigation is genuine checking with the assistance of the SPSS transformation 23.0 program. The exploration's findings indicate that representative implementation is influenced by a combination of work pressure and a hard-work attitude, as well as a balance between fun and serious activities. This is shown by the likely eventual outcomes of the T test and F test.Work pressure tcount (1.082) ttable (1.697) tcount (6.437) ttable (1.697) tcount (0.894) ttable (1.697) tcount (0.894) ttable (1.697) tcount (0.894) ttable (1.697) tcount (0.894) ttable (1.697) ttable (1.697) tcount (0.894) ttable (1.697) ttable (1.697) In the interim the F test produces Fcount (20.086) > Ftable (4.160) and a sig worth of 0.000 < 0.05.

Pengaruh Faktor Internal Dan Faktor Eksternal Terhadap Non Performing Financing (NPF) Pada Pembiayaan Bank Umum Syariah

This research aims to analyze the influence of internal factors and external factors of Sharia Commercial Banks on the NPF for murabahah financing, NPF for musyarakah financing, NPF for mudharabah financing, NPF for ijarah financing, NPF for istishna financing, and NPF for qardh financing. The research method used is quantitative research using secondary data from Bank Muamalat Indonesia, Bank BCA Syariah, Bank Panin Syariah, Bank Bukopin Syariah, Bank Mega Syariah, and Bank Victoria Syariah, all of which are the results of financial reports published by the OJK during the quarterly period. 1 of 2013 to the fourth quarter of 2022. The results of this research are that internal factors and external factors have an influence on NPF in murabahah, musyarakah and istishna financing in sharia commercial banks. Meanwhile, the NPF for mudharabah, ijarah and qardh financing is not influenced by internal and external factors in Islamic commercial banks.