Sharia Banking Research Articles

Sosialisasi Teknik Penyusunan Proposal Penelitian bagi Mahasiswa

The purpose of community service (PkM) in the form of this socialization activity is to provide understanding to students about the importance of knowing and understanding matters related to the preparation of research proposals. This is done so that students do not experience significant obstacles and difficulties while making the research proposal. Of course, the preparation of a research proposal is preceded by the selection and determination of a research title that must be understood by students, because the research title will direct students to be able to conduct research in accordance with scientific procedures. The title of the research was obtained through the findings of problems that occurred in the community until later the problems obtained were raised as a topic of discussion to be used as a research title for students. Then, it was also explained about the rules for writing the correct research proposal in accordance with the university rules. Participants in this socialization activity are students of the Sharia Banking Study Program Semester VI of 2024. This socialization activity was carried out face-to-face in the Sharia Banking Student Proposal Seminar room. This socialization activity was carried out by providing basic material and discussing in groups about research proposal preparation techniques which were preceded by finding various topic problems that occurred in a community environment so that they could be used as research titles.

The Implementation of Law Number 21 of 2008 Concerning Sharia Banking on Sharia Financial Institutions is Underway Sharia Economic Law Perspective

The Implementation of Law Number 21 of 2008 Concerning Sharia Banking on Sharia Financial Institutions is Underway Sharia Economic Law Perspective

The Position of The Underlying Asset System in Musyarakah Mutanaqisah (MMq) Contract in Islamic Banking

This research aims to analyze the substance of related jurisprudence underlying asset in islamic economic law, analyzing the position of the system underlying asset in the financing agreement musharakah mutanaqisah (mmq) in the perspective of islamic economic law, and analyzing the application of the system underlying assets in the agreement musharakah mutanaqisah on sharia banking. This type of research is an empirical research type. Data is qualified as primary data and secondary data. Primary data was obtained through interviews and secondary data was obtained through literature study. The data collected was then processed using a qualitative analysis approach. The research results show that: 1) Underlying Asset position is based on the substance of fiqh as the basis for cooperation in an MMq contract, 2) Position Underlying Asset in the Musyarakah Mutanaqisah Agreement it can be categorized as the basis for cooperation in an MMq contract. In Islamic economic law, regarding the issue of musyarakah objects or MMQ objects being used as collateral, Islam prohibits goods used as transaction objects from becoming collateral/guarantee for the implementation of a mutual agreement, when the rental object has not beentangible when the contract is made, 3) The application of collateral in sharia banking is absolutely unavoidable. Requests for guarantees by banks from recipients of financing facilities are not only intended to ensure the return of the capital borrowed, but to ensure that recipients of financing facilities actually carry out everything that has been agreed upon in the contract, including Underlying Assets as a basis in the issuance of MMq contracts.

Word Of Mouth To Mediate Consumer Knowledge And Religiosity Towards The Decison To Settle As Sharia Bank Clientele

Word Of Mouth To Mediate Consumer Knowledge And Religiosity Towards The Decison To Settle As Sharia Bank Clientele

Comparative Analysis of Bank Performance Between Bank Syariah Indonesia (Private-Shariah) and Bank Central Asia (Private-Conventional) Period of 2021 and 2022

Bank Syariah Indonesia (BSI) is the largest sharia bank in Indonesia, while Bank Central Asia (BCA) is a conventional private bank with the largest capitalization in Indonesia. The fundamental problem at BSI is a cyber attack that has an impact on the IT system, while the fundamental problem at BCA bank is that the mobile banking system will be disrupted in 2022, so researchers will compare the bank's performance in 2021 (before) and 2022 (after). The general objective of this research is to analyze the comparison of bank performance after experiencing technological obstacles from both internal and external sources, while the specific objectives are to find out whether: (1) Any difference in the performance of Bank Syariah Indonesia (Private-Syariah) between 2021 and 2022, (2) Any difference in the performance of Bank Central Asia (Private-Conventional) in 2021 and 2022, (3) Any difference in the performance of Bank Syariah Indonesia (Private-Sharia) and Bank Central Asia (Private Conventional) between 2021 and 2022. The method used in this research is RGEC (Risk Profile, Good Corporate Governance, Earning, Capital). The analytical tool used is the Wilcoxon and Mann Whitney non-parametric t-difference test. The results obtained are: 1. There is no difference in Bank BSI's performance before and after the IT problem but not constant; 2. There is no difference in Bank BCA's performance before and after the IT problem but not constant; 3. There is no difference in the performance of Bank BSI before and BCA before IT problems occur but are not constant;4. There is no difference in the performance of Bank BSI after and BCA after IT problems occur but are not constant.

Application of Sharia Principles in Management Risk on Industry Insurance Sharia

With the existence of sharia banking , banks carry out business in a way that complies with Sharia, known as Sharia principles. It consists of exchanging money in accordance with sharia principles while managing risk ( mudharabah ), managing money ( murabahah ), fairness or abundance ( ijarah ), or lending money from one bank to another ( ijarah wa iqtina ) and so on. In its development, institutions outside the banking structure, such as insurance, also participated. Insurance is a non-bank financial institution that operates in the economy outside the banking sector. It is tasked with supporting economic activities by providing investment and financing access services. The unique thing about sharia insurance is that it carries out procedures for all its activities with principles that are in line with sharia, so in all these cases it is also very important to see, measure, control and monitor risks that arise from operational activities. Therefore, the authors' skepticism regarding their hypothesis is whether or not there is an influence of sharia principles on risk management in sharia insurance. This research uses quantitative methods with descriptive statistical analysis . The impact of applying Islamic principles to risk management in the sharia insurance sector is that the application of Islamic principles to risk management in the insurance sector is very beneficial. However, there are parts that need to be limited and clarified as to what kind of disaster we can help with, of course this requires company regulations and customer agreements to be in good and correct accordance.

The Influence of Good Corporate Governance, Non Performing Financing, Capital Adequacy Ratio, Financing to Deposit Ratio on Financial Performance (Case Study of Sharia Banks in Indonesia for the period 2018 – 2022)

The Influence of Good Corporate Governance, Non Performing Financing, Capital Adequacy Ratio, Financing to Deposit Ratio on Financial Performance (Case Study of Sharia Banks in Indonesia for the period 2018 – 2022)

Potensi Perbankan Syariah di Indonesia Dalam Pola Dasar Manajemen dan Dana Pihak Ketiga

This article aims to examine the potential of sharia banking in Indonesia in terms of basic management patterns and third party funds. The method used in this research is the library research. The research results explain that sharia bank management is reflected in the annual financial report published by the OJK and contains the Third Party Funds of the sharia bank concerned. The potential for sharia banking in Indonesia shows a positive value, this is reflected in the total assets as of January 2023 owned by Sharia Commercial Banks and Sharia Business Units reaching IDR 765.36 trillion. This is also supported by an increase in Third Party Funds by 12% which is able to make BSI one of the largest sharia banks in Indonesia in the position of the sixth largest bank in Indonesia and the fourteenth position of the largest sharia bank in the world with Third Party Funds of 261. 49 Trillion

The Role of Sharia Banks in Sustainable Development During Indonesia's Economic Recovery Post-Covid-19

Since Covid-19 appeared three years ago an undeniable economic recession has hit the world including Indonesia, the economy has slid drastically to minus 5 in 2020-2021. However, it finally revived after the new normal adaptation era in 2022, GDP showed a positive trend. This is of course because the role of Sharia banking, especially in assisting the national economic recovery program, shows a significant level. Research using a qualitative approach through descriptive methods yields findings that Indonesia's GDP per capita increases from 57.3 in 2022 to IDR 62.1 million in 2021 (an increase of 8.6%) equivalent to USD 4,349.5. The PEN program in 2021 also experienced a ceiling increase of Rp. 658.6 T (88.4%) from a ceiling of Rp. 744.77 T which was higher than the previous year of Rp. 575.8 T. The role and contribution of Sharia banks in serving financing in the MSME sector is becoming thing done completely. This is the achievement of Islamic banking in the new normal adaptation time of the Covid-19 outbreak.

The Role Of Islamic Banking In The Development Of Islamic Economic Progress In Indonesia

Economic activities that lead to Islamic Economics or Sharia Economics are increasingly spreading throughout the world, including Indonesia. Sharia economics is an economic system based on sharia values ​​and principles originating from the teachings of the Islamic religion. Experts also define sharia economics. The sharia economy has its own characteristics that differentiate it from other economies. Sharia economics originates from the Koran, hadith or sunnah, ijmak and qiyas. The goal of sharia economics is to achieve happiness in this world and the hereafter through a good and honorable way of life. There are many activities in the sharia economy, one of which is sharia banking. Where sharia economics and sharia banking are closely related to each other. Sharia banking is an example of Sharia Economics. This research uses qualitative research methodology. This research uses descriptive analysis to describe and analyze the data obtained. The results of this research can be used as a basis for policy development, service improvements, or a better understanding of sharia economics in general

Stability and Performance of Conventional and Sharia Banking in Indonesia Before and After the Covid-19 Pandemic

This study examines the impact of the COVID-19 outbreak on the performance and stability of Indonesia's dual banking system. Our sample includes the top 20 banks by assets, both conventional and sharia, from 2018 Q1 to 2023 Q3. Data for conventional banks is obtained from Bloomberg, while data for Islamic banks is sourced from each bank's official website. We use ROA, ROE, and NIM as performance variables and Z-Score and NPL as stability variables. External factors such as GDP, Inflation, BI Rate, and Exchange Rate serve as independent variables, while bank-specific variables act as controls. Panel data regression is used to determine causal relationships between these factors and banking performance and stability. We also compare bank performance and stability before and after COVID-19 using the Mann-Whitney Test. Findings indicate that the pandemic significantly affected conventional banks' Z-Score, NPL, ROA, ROE, and NIM, while only NPL was significantly affected in sharia banks. The results highlight the significant impact of GDP, exchange rate, and BI Rate on banking variables, while inflation had no effect. The type of bank significantly influences performance but not stability.

Analysis of economic growth and poverty levels in Indonesia based on digitalization and sharia banking financial inclusion

This research aims to analyze Indonesia's economic growth based on digitalization and Sharia banking financial inclusion. Using secondary data for the period 2014 to 2022 per quarter and the Seemingly Unrelated Regression (SUR) method, to find out which variables most influence economic growth and poverty levels in Indonesia. The results found that Sharia banking financial inclusion through the variable amount of financing, growth in funding to the private sector, and the value of sukuk ownership contributed to an increase in Indonesia's economic growth. Furthermore, both financial digitalization and financial inclusion in Sharia banking through the variables of several Sharia ATMs, total assets, amount of financing, and value of sukuk ownership can reduce poverty levels in Indonesia.

Regulation and Practice of Salam and Istishna Contracts in The Islamic Banking System in Indonesia

This study analyzes the regulation and practice of akad salam and istishna in the Sharia banking system in Indonesia. By paying attention to the existing regulatory framework, this article examines the practical implementation of akad salam and istishna by Sharia banks in Indonesia as well as the challenges faced in the application of the contract. The results of the analysis highlight the importance of a deep understanding of sharia principles in the development of appropriate sharia banking products and services. Keywords: Akad Salam, Istishna, Sharia Banking, Regulation, Practice.

Does The Merger of Large Sharia Bank Work? A Study of Islamic Bank in Indonesia

Does The Merger of Large Sharia Bank Work? A Study of Islamic Bank in Indonesia

Pengaruh Fitur, Variasi Produk, dan Kemudahan Transaksi terhadap Kepuasan Pengguna Mobile Banking pada Lembaga Keuangan Perbankan Syariah di Kota Jambi

This research aims to determine the influence of features, product variations and ease of transactions on mobile banking user satisfaction at sharia banking financial institutions in Jambi City. This research used a quantitative approach which was carried out by distributing questionnaires to 112 Mobile Banking users in Jambi City. The methods used in this research are instrument tests (validity and reliability tests), classical assumption tests (normality, multicollinearity and heteroscedasticity tests) and multiple liner analysis along with statistical tests (t test, F test and R2 Determination Coefficient). The results of this research show that features have a positive and significant effect on user satisfaction which can be determined using the t test with a significance value of 0.001 < 0.05 and a value of tcount > ttable, namely 3.426 > 0.198217. Product variations have a positive and significant effect on user satisfaction as evidenced by the significance value of 0.001 < 0.05 and the tcount > ttable value, namely 3.577 > 0.198217. ease of transactions has a positive and significant effect on user satisfaction which can be seen with a significance value of 0.001 < 0.05 and a value of tcount > ttable, namely 3.385 > 0.198217. Simultaneously, features, product variations and ease of transactions have a positive and significant effect on mobile banking user satisfaction at sharia banking financial institutions which can be seen from the F test, namely fcount > ftable or 40.058 > 2.69 and the resulting significance value is 0.000 < 0.005. The determinant coefficient value is 0.514 or 51.4% and the remaining 0.486 or 48.6% can be explained by other variables outside this research.

English For Islamic Banking: What English Need of Indonesian Syariah Bank Employees in Bengkulu City

This research aims to determine the English language needs of Indonesian sharia bank employees in Bengkulu City. The research design in this research is qualitative research, while the research subjects are 10 Indonesian sharia bank employees in Bengkulu City. This research data was collected using interviews technique. Research findings show that: (1) Islamic bank employees need English language materials related to banking, accounting and computer applications; and (2) Islamic bank employees need more reading skills than listening, speaking and writing skills because they work more with written documents in English. Bank employees also work with computer programs, so all instructions and terms on the computer use English. Based on these needs, employees should havea good pronunciation in banking, accounting and computer English terms. They also need skills in correspondence via electronic mail or email.

The Influence of Intellectual Capital (IC) and Islamic Corporate Governance (ICG) on Sharia Banking Performance in Indonesia in 2020-2022

The Influence of Intellectual Capital (IC) and Islamic Corporate Governance (ICG) on Sharia Banking Performance in Indonesia in 2020-2022

The Influence Of Corporate Governance on the Performance of Islamic Banks in Indonesia

This research was conducted with the aim of testing the influence of Corporate Governance on the performance of Sharia Banks. The measurement used to measure this independent variable is to analyze the total size of the board, audit committee, non-executive directors, sharia board and risk management committee. Quantitative data is used as research data by looking at the annual report of the company concerned. Sharia Bank is used as the object of this research. The sample was determined using a purposive sampling method and resulted in 13 Sharia Commercial Bank companies. The annual report for the 2018-2022 period is used as processed data obtained from the official website of the company concerned. This research analysis uses panel regression of company data. This research uses five independent variables consisting of Board Size, Non-Executive Directors, Audit Committee, Shariah Board, and Risk Management Committee. The dependent variable in this research is sharia bank performance which is measured using ROA (Return On Assets) and ROE (Return On Equity). This research uses panel regression. The F test results in this study were 0.014378 for ROA measurements and 0.0000 for ROE measurements. The adjusted R square test results are 0.282995 for ROA and 0.729184 for ROE. The conclusion of this research is that the board size variable obtained insignificant results. The non-executive director variable for ROA measurement shows significant results, while the ROE measurement is not significant. The audit committee variable obtained insignificant results. The sharia board variable produces insignificant results and the risk management committee variable produces insignificant results. The author was limited in completing this research because the researcher only used the Islamic banking sector, so in selecting the sample the data obtained was relatively small. Recommendations from researchers that can be given to other prospective researchers are to be more detailed in assessing the performance of Islamic banks. You can expand the independent and dependent variables

HIERARKI PERATURAN PERUNDANG-UNDANGAN HUKUM EKONOMI SYARIAH DALAM PERBANKAN SYARIAH

Legal hierarchy is a term used for a legal structure that is tiered to become the basis for the authorities authorized to form it. Low norms are based on high norms, so that low (inferior) norms do not conflict with higher (superior) norms. The basis of the highest hierarchical sharia law is Islamic law, then other laws refine and are formed based on previous laws. This research uses a library research approach, with a qualitative descriptive method, looking for relevant sources related to the problem and then describing the data to describe the regulatory framework for Islamic economic law for use in sharia banking. This article will discuss the hierarchy of sharia economic law and regulations used in sharia banking. The two legal bases used in sharia banking are normative law (Islam) and positive law (state). Sharia financial institutions and the public can use this hierarchy as a reference in carrying out sharia contract transactions and resolving sharia economic law disputes.

Analysis of Sharia Banking Performance Assessment with a Balanced Scorecard Perspective in the South Tangerang City Region

This research examines whether Sharia banks in South Tangerang City can achieve good performance if measured using the Balanced Score Card (BSC) approach from the perspective of finance, customers, internal business processes, and learning and growth. This field research observes population behaviour or events in a particular area. This research is descriptive and analytical. The research results show that Bank Syariah ABC UIN Syarif Hidayatullah Branch and Bank Syariah XYZ Ciputat Branch show adequate financial health, viewed from a financial perspective showing an increase in ROI of 3.14%, while Bank Syariah in 2022. Viewed from a customer perspective, the number of savings customers at Bank Syariah ABC has decreased by 1.25%. Meanwhile, from an internal business process perspective, Bank Syariah XYZ is not considered good enough because the response time is quite long when responding to customers. Viewed from a growth and learning perspective, the performance of these two Sharia banks is in good condition.