Sharia Banking Research Articles

Trust, religiosity commitment, and nisbah perception in shaping customer loyalty

This study investigates the factors influencing customer loyalty in Sharia banking, with a focus on trust, religiosity commitment, and the perception of nisbah (profit-sharing ratio). By exploring the interplay between these variables, the research aims to provide insights into the mechanisms driving customer loyalty within Islamic banking institutions. Utilizing partial least squares structural equation modeling (PLS-SEM), data was collected from 212 priority customers of Bank Syariah Indonesia (BSI) in the Jabodetabek region. The study examines the direct and indirect effects of trust on loyalty, the mediating role of religiosity commitment, and the moderating influence of nisbah perception. The findings underscore the significance of trust in fostering customer loyalty in Sharia banking. Trust directly influences both religiosity commitment and loyalty, with religiosity commitment serving as a partial mediator between trust and loyalty. Furthermore, nisbah perception moderates the relationship between religiosity commitment and loyalty, indicating its role in shaping customer loyalty within Sharia banks. The study highlights the importance of transparency, adherence to Sharia principles, and the effective communication of transaction costs and risks in building trust and maintaining customer loyalty. Policy recommendations include prioritizing service improvements, reinforcing halal fund management practices, and enhancing employee competence to better serve priority customers. However, limitations such as restricted interaction with respondents and sample size constraints are possibilities for future research to enhance the robustness of the findings.

The Effect of Mudharobah Financing, Musyarokah Financing, and Murabahah Financing on BPRS Profitability in Indonesia

This study aims to determine the effect of mudharobah financing, musyarokah financing and murabahah financing on Sharia People's Credit Banks registered with the Indonesian Financial Services Authority (OJK) in the 2017-2021 period. Data is obtained from Sharia Banking Statistics which is a collection of Sharia Commercial Banks and Sharia Units throughout Indonesia, so that what is done is sampling a number of populations. This type of research is descriptive quantitative, which is processed using multiple linear regression with the help of NCSS 2021. The results showed that mudharobah and murabahah financing had no effect on profitability, while musyarokah financing had an effect on profitability.

Sustainability of Islamic Banking in the Midst of Global Economy: Case Study in Indonesia

Sharia banking is a bank whose activities refer to Islamic law and in its activities neither charges interest nor pays interest to customers. Sharia bank rewards received or paid to customers depend on the contracts and agreements entered into by the customer and the bank. Agreements (contracts) contained in sharia banking must comply with the terms and pillars of the contract as regulated in Islamic sharia. Over the last decade, the Islamic banking industry has developed very rapidly, not only the number of Sharia Commercial Banks (BUS) but also their assets have increased several times to hundreds of trillions. Seeing the current phenomenon of sharia banking is the author's interest in carrying out research. This research approach uses a descriptive approach, namely by obtaining data collection and data analysis aimed at creating systematic, current and accurate descriptions, depictions of the facts, as well as the relationships between the phenomena being investigated. The types and sources of data are quantitative data and secondary data taken from company reports. The results obtained are that Bank Syariah Indonesia is included in the very rapid development category. This is proven every year that he is able to achieve good goals and development. This shows that the public's response to trusting Indonesian Sharia banks is very good. And able to balance the challenges and opportunities in this current of globalization.

Perbandingan Minat Gadai Emas di Bank Syariah dan Pegadaian Syariah pada Masyarakat Kota Jambi

In an interview conducted with Mr. Abdi, he stated that in the midst of the current economic crisis, pawning gold was indeed a profitable business because many people carried out this practice. The price of gold on the market experienced a significant and rapid increase, reaching around Rp. 1,131,823 per gram. The aim is to analyze the comparison of the estimated value of gold at Islamic banks and Islamic pawnshops and to analyze the similarities and differences in gold pawning transactions at Islamic banks and Islamic pawnshops. This research uses qualitative methods which aim to understand the phenomena experienced by research subjects by collecting data in the form of words and not numbers. The results in this research are a realistic picture, information based on facts obtained by researchers in the field. Researchers conducted a survey at the research location using interviews, documentation and observation of research subjects designated as informants in this research. So researchers can draw the conclusion that there is a difference in public interest in pawning gold at Bank Syariah Indonesia and Pegadaian Syariah. Input for Sharia Banks and Pegadaian Syariah in improving the quality of sharia gold pawn products, both operational systems and services. So that people can continue to get the best service from Sharia Banks and Sharia Pegadaian.

Reevaluating the Profitability, Performance, and Stability of Sharia Banks in Indonesia Using the Eagles Framework

Islamic banking in Indonesia has experienced rapid development in recent years. This encourages the importance of reviewing the financial performance of Islamic Commercial Banks (BUS) to determine the level of health and efficiency. The purpose of this study is to analyze the financial performance of BUS during the period 2018-2022 using the EAGLES method. As well as comparing financial performance between BUSs during the 2018-2022 period. This study uses quantitative methods with secondary data sourced from BUS Annual Reports for the 2018-2022 period. Financial performance is measured using the EAGLES method which includes ROA, ROE, NPF, DGR, LGR, FDR, CAR, and SRQ ratios. The results showed that there were differences in the ratios calculated on BUS during the 2018-2022 period. Overall, BUS shows a fairly healthy financial performance with some BUSs that have better performance than others. The conclusion of this study is that the financial performance of BUSs during the 2018-2022 period shows a positive trend with some BUSs that have better performance than others. The use of the EAGLES method provides a comprehensive overview of BUS financial performance and can be used to compare performance between BUSs.

The Ifluence of Knowledge,Religiosity, and Trust on Interest in Financing in Sharia Banking( Case Study on Halal MSME in Kediri Regency)

This study aims to measure the influence of knowledge, religiosity and trust on public interest in financing in Sharia Banking. This study uses quantitative methods by conducting interviews and distributing questionnaires to obtain data. The population in this study are people who have micro businesses that are or have applied for halal certification. In addition, the MSMEs studied were MSMEs that were conducting financing in Sharia Banking. As for selecting samples, researchers used convenience sampling techniques. The data analysis technique used to test this research uses multiple linear regression tests with the help of statistical aids, namely using the SPSS application. The results showed that knowledge, religiosity, and trust have a positive and significant influence on public interest, especially Halal MSMEs that do financing in Sharia Banking. The three variables also influence each other. indirectly and knowledge and religiosity affect a person's level of trust in the existence of sharia banking among the community.

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.

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

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.