Shariah Banking Research Articles

THE IMPLEMENTATION OF RESCHEDULING IN MURĀBAḤAH MICRO FINANCING AT BANK SYARIAH MANDIRI INDONESIA

The Implementation of Rescheduling murābaḥah micro financing at Bank Syariah Mandiri Indonesia. This research is an analysis of the rescheduling of murābaḥah micro financing in Bank Syariah Mandiri Branch Dumai, Indonesia. There are many Shariah banks in Indonesia experiencing problems due to unpaid financing and can lower bank performance. Therefore, the bank is implementing the rescheduling of murābaḥah micro financing to avoid exceeding the level set by Bank Indonesia of 5%. This research was conducted to analyze in depth about the rescheduling of murābaḥah micro financing implemented by Bank Syariah Mandiri Branch Dumai, Indonesia. This research uses data collection method by observation, interview and library data which then analyzed by using inductive, deductive and comparative method. The result of this research is in the implementation of rescheduling the murābaḥah micro financing, there are three conditions, namely 1) not increasing the amount of remaining debt, 2) the costs in the rescheduling process are the actual costs, and 3) the additional payment time must be based on the agreement of both parties. From these conditions, the bank only does two, namely not increasing the amount of the remaining debt and adding payment time, while the bank is still wearing the customer with the rescheduling or penalty fees that make it difficult for the customer. Because of that, there are three suggestions from the researcher that is to provide a wide payment time, reschedule without the costs charged to the customer (penalty) except the actual costs such as administrative costs and conversion of murābaḥah financing contract into a qarḍ financing contract

The Factors Affecting Customer Behavior of Choosing Products in Mandiri Shariah Banks in Pariaman City

This study aims to determine the factors that influence customer behavior in choosing products at Bank Syariah Mandiri in Kota Pariaman, which is limited to cultural, social, personal and psychological factors. The population in this study is customers of Bank Syariah Mandiri Kota Pariaman with a sample size required in the analysis of 50 people, where the sampling technique used was accidental sampling. Hypothesis testing, performed t test, f, and r. The results showed cultural and personal factors had a positive influence on customer behavior in choosing products at Bank Syariah Mandiri in Pariaman City, while social and psychological factors did not have an influence on customer behavior in choosing products at Bank Syariah Mandiri in Pariaman City.

The Factors Affecting Customer Behavior of Choosing Products in Mandiri Shariah Banks in Pariaman City

This study aims to determine the factors that influence customer behavior in choosing products at Bank Syariah Mandiri in Kota Pariaman, which is limited to cultural, social, personal and psychological factors. The population in this study is customers of Bank Syariah Mandiri Kota Pariaman with a sample size required in the analysis of 50 people, where the sampling technique used was accidental sampling. Hypothesis testing, performed t test, f, and r. The results showed cultural and personal factors had a positive influence on customer behavior in choosing products at Bank Syariah Mandiri in Pariaman City, while social and psychological factors did not have an influence on customer behavior in choosing products at Bank Syariah Mandiri in Pariaman City.

ANALISIS PENGARUH DANA PIHAK KETIGA, NON PERFORMING FINANCE MURABAHAH, DAN INFLASI TERHADAP PEMBIAYAAN MURABAHAH PADA BANK UMUM SYARIAH DI INDONESIA

This study aims to determine how the influence of DPK, Murabaha NPF, and inflation towards Murabaha Financing partially or simultaneously at the Indonesian Sharia Commercial Bank for the period of 2016-2018. In this study, the method used is a quantitative method and uses secondary data. Secondary data were obtained from Shariah Banking Statistics reports published by the Otoiritas Jasa Keuangan (OJK) and Bank Indonesia int the period January 2016 -December 2018. The data in this study were 36 data. The technique analysis used in this study is multiple linear regression using the SPSS 23 application programs. The results of this study indicate that based on a hypothesis test that is partially (t-test) that DPK and inflation have significant negative effect on Murabahah Financing. Whereas NPF Murabaha has insignificant negative effect in Murabaha Financing. The results of the simultaneous hypothesis test (F-Test) show that DPK, NPF Murbahah, and Inflation simultaneously or together have a significant effect on Murabaha Financing.

ANALISIS PENGARUH DANA PIHAK KETIGA, NON PERFORMING FINANCE MURABAHAH, DAN INFLASI TERHADAP PEMBIAYAAN MURABAHAH PADA BANK UMUM SYARIAH DI INDONESIA

This study aims to determine how the influence of DPK, Murabaha NPF, and inflation towards Murabaha Financing partially or simultaneously at the Indonesian Sharia Commercial Bank for the period of 2016-2018. In this study, the method used is a quantitative method and uses secondary data. Secondary data were obtained from Shariah Banking Statistics reports published by the Otoiritas Jasa Keuangan (OJK) and Bank Indonesia int the period January 2016 -December 2018. The data in this study were 36 data. The technique analysis used in this study is multiple linear regression using the SPSS 23 application programs. The results of this study indicate that based on a hypothesis test that is partially (t-test) that DPK and inflation have significant negative effect on Murabahah Financing. Whereas NPF Murabaha has insignificant negative effect in Murabaha Financing. The results of the simultaneous hypothesis test (F-Test) show that DPK, NPF Murbahah, and Inflation simultaneously or together have a significant effect on Murabaha Financing.

Potensi Sinergitas Fintech Dengan Bank Syariah Dalam Meningkatkan Kinerja Perbankan Syariah Di Indonesia

<p><em>Technology start-ups from FinTech firms offer more convenient user experiences for example better user interfaces for the mobile management of personal finance. Besides that also lower prices and better quality for example faster speed for traditional products such as payment services. This study aims to identify and overview key risks and impact of FinTech on sharia banks in Indonesia to improving bank performance. The result of this study shows that shariah banking Indonesia needs synergy with FinTech firms to increase their performance and market share.</em></p>

Factors Influencing on Job Preference among Shariah Banking Student

Abstract The aim of this study is to predict factors influencing in job preference among Shariah Banking Student at disruption era. There are two variables to predict the factors, knowledge about sharia banking career and attitude. This study used a quantitative approach and online survey as the data collection technique. The result showed that intention is influenced by attitude and knowledge. This research provided a suggestion for managers of Islamic banking programs to carry out two approaches to marketing it, namely the consumer approach and product approach. The consumer approach was carried out by transferring knowledge about broader job prospects in this era and conducting market sensing. While the product approach was done by compiling a curriculum that is always updated with the needs of markets that are moving rapidly in this era. This study is limited to only on sharia banking student. The limitation of this study is the absence of testing of factors other than knowledge and attitudes that contribute to predicting intentions.AbstrakTujuan dari penelitian ini adalah memprediksi faktor yang mempengaruhi preferensi pekerjaan pada mahasiswa Perbankan Syariah di era disrupsi. Ada dua variabel untuk memprediksi faktor-faktor tersebut, yaitu pengetahuan tentang karir kerja perbankan syariah di era dan sikap. Pendekatan kuantitatif diadopsi dalam penelitian ini. Pengumpulan data dilakukan dengan survei online. Penelitian ini menggunakan pendekatan kuantitatif dengan mengetahui pengaruh antar variabel. Hasil penelitian menunjukkan bahwa niat dipengaruhi oleh sikap dan pengetahuan. Penelitian ini memberikan saran bagi manajer program perbankan syariah untuk melakukan dua pendekatan untuk memasarkannya, yaitu pendekatan konsumen dan pendekatan produk. Pendekatan konsumen dilakukan dengan mentransfer pengetahuan tentang prospek pekerjaan yang lebih luas di era ini dan melakukan penginderaan pasar. Sedangkan pendekatan produk dilakukan dengan menyusun kurikulum yang selalu diperbarui sesuai dengan kebutuhan pasar yang bergerak cepat di era ini. Penelitian ini terbatas hanya pada siswa perbankan syariah. Keterbatasan penelitian ini adalah tidak adanya pengujian faktor selain pengetahuan dan sikap yang berkontribusi untuk memprediksi niat.

The Mortgage Right as Murābaḥah Financing Security

Introduction to The Problem: In order to guarantee the legal certainty for the Islamic banking customer in murābaḥah financing is the requirement of mortgage right. The bank customer may use mortgage right as collateral in murābaḥah financing. Furthermore, the right can be implemented in the indebtedness, which is different from debt. Purpose/Objective Study: This research aims to find out the contract ( al-‘ aqd ) that is used by the shariah bank to implement the mortgage rights in murābaḥah financing. Design/Methodology/Approach: This study is normative juridical research with emphasis beginning on a legal event and then looking for references to a norm system. Therefore, this legal research is conducted by examining primary and secondary legal materials, and non-legal materials relating to the application of Mortgage Rights in Financing, especially for murābaḥah financing. In this study, the approach was the statute approach by examining all laws and regulations relating to legal issues, and case approach by examining several cases that have a relationship with the legal issues to be discussed. Findings: The result of this study is that the implementation of mortgage right in murābaḥah financing is the possibility of using another contract made by sharia banking with its customers; the contract of acknowledgment of debt. This basis is used as the justification of the implementation of mortgage rights in murābaḥah financing.

The Role of Islamic Banking in the Development of Economic Sectors in Indonesia

Islamic bank can play a role in improving the welfare of the community. Through the intermediary function, Islamic banks raise funds deposits and channel financing for productive purposes. The purpose of this study is to examine the role of Islamic bank financing to increase economic productivity and job creation. This study uses simultaneous panel estimation technique with Two Stage Least Square (TSLS) method, using secondary data from 2005-2016. The results of this study reveal that the financing of Islamic banks play a role in increasing economic activity and employment, the role of Islamic banks finance large from the role of conventional bank credit, although the contribution is not too large. Regression result per sector of economy indicates that financing of syariah bank give positive role to increase economic activity in each. The role of financing for job creation by economic sector shows different results. Most Shariah banking financing in the economic sector (7 sectors) provides a positive role for job creation. Financing in the agricultural and mining sectors plays a negative role in job creation.

PENGARUH DPK, IMBAL HASIL SBIS, PUAS, DAN TINGKAT INFLASI TERHADAP PEMBIAYAAN BANK SYARIAH DI INDONESIA

The purpose of this study is to analyze the factors that affect the sharia banking in channeling funds in the period January 2012 to December 2016, both partially and simultaneously. The data used are secondary data, with four independent variables namely DPK, SBIS Return, PUAS, and Inflation Rate which were obtained from official website of Bank Indonesia and OJK, as well as financing data of shariah bank as dependent variable obtained from the official web of Bank Indonesia. The research method used is descriptive quantitative method by using multiple linier regression analysis technique. The result of the research shows that the four factors in this study, namely DPK, SBIS Return, PUAS, and Inflation Rate, partially as well as simultaneously have a positive and significant effect on the channeling of Islamic bank funds.

Model Pelaporan Kinerja Sosial Perbankan Syariah: Implementasi Islamic Social Reporting Index di Indonesia

One of the effort to increase the trust of shariah banks stakeholder is by reporting theinformation relating with the social performance ability in shariah view. The reportingsocial performance format in Islam view that nowdays is more developed is IslamicSocial Reporting Indexs (Indeks ISR). ISR Index is an index reveals social performance ofIslamic company which consists of revelation items based on Islamic principles. The aimof this research is to find out the rank of revelation social performance of Islamic bank inIndonesia based on ISR index. The taken population of this research is the whole IslamicCommercial Bank (BUS) in Indonesia, and the taken sample is the BUS that has published its annual report of 2009 – 2011 periods on its official website. The taken sampleis done by using purpose sample method. The analysis data is done by using contentanalysis method. The result of analysis ISR index on BUS shows that BSM is for thehighest rank of revelation social performance in 2009 – 2011 periods. As the wholebanks, the rank of revelation social performance of BUS in Indonesia in 2009 – 2011periods had continuously increased each year. As the average in the periods, the predicateof rank revelation social performance BUS in Indonesia is still less than informative.

Micro Waqf Bank in Indonesia: Analysis of The Constitution Concept According to The Maqashid Sharia

Waqf is a legal act of wakif (endower) for separating and transferring part of their wealth either permanently or for a specified period in accordance with their interests for purposes of worship and the general welfare according to sharia. Islamic law have two characters, it is normative (muhkamat) so that Islam have a unity of mind, feeling, and behavior for the people and make the people united, and temporal (mutashabihat) to open up the difference by space, time, and the condition of each with regard to the purposes of syara'. Waqf is a legal act of wakif (endower) for separating and/or transferring part of their wealth either permanently or for a specified period in accordance with their interests for purposes of worship and/or the general welfare according to sharia. Waqf or endowments often directed to unmovable objects, while waqf on moving objects is being developed lately. The idea to explore and develop the concept of waqf in Indonesia was began when Mustafa Edwin Nasution translating paper written by M. Abdul Mannan that revealed the practice of cash waqf (SIBL) in Bangladesh. The government try to do innovation in order to boost the Muslim's Economy particularly for those who are considered as a poor. The role of shariah bank and BWI and regulations is also considered ineffective, then the Government innovate by establishing institution called Micro Waqf Bank. Micro Waqf Bank is believed to increase financial inclusion, particularly in the public and small and micro businesses (SMEs) to have the easy capital. These agency is not allowed to take deposits from the public because it has focused in communities empowerment through financing with business mentoring.

The Implementation of Good Governance Business Shariah in Indonesia Shariah Banking

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Mengurai Permasalahan Audit Syariah dengan Analytical Network Process(ANP)

Shariah audit had an important role in maintaining shariah compliance for an shariaentity in this case of shariah banking considering encouraging its development todriven away. So that the problem on an audit shariah bring negative effects evenfailure in fulfilling will shariah principle itself. In order to overcome these issues ,research it expresses priorities of the problems and priorities solution pertaining toaudit shariah. While methods used in research is known as analytic network process(ANP) where the data primarily obtained through in depth interviews with expertsshariah audit derived from academics and practitioner. The result of this research fromthe side of the problems of shariah audit that the regulations and the audit aspect standard shariah inadequate be the main problems. In terms of solution audit shariahshow that the solution regulations with its aspect which is to build sop supervision aspart of internal control to be the solution main.

Effect of Online Systems Quality, Banking Service Product Quality and Customer Trust on the Success of BRI Syari'ah E-Banking Information System

This study will discuss and to find out and test whether Online Systems Quality, Banking Service Product Quality and Customer Trust are thought to influence the Success of E-Banking Information System in one of the Shariah Banks in Pangkalpinang City. This research is quantitative research, using primary data, the instrument used is a questionnaire given to respondents. The population in this study is the Customer of BRI Bank Syari'ah PangkalPinang Branch, while the sampling technique used is convenience sampling technique. The data of this study will be processed and analyzed by Multiple Linear Regression tests with the aim to find out how far the knowledge and level of understanding of Online Systems Quality, Banking Service Product Quality and Customer Trust are thought to influence the success of E-Banking Information System in BRI Sharia Banks in Pangkalpinang.

Non-Ethical Elements in Tawarruq Munazzam Product for Islamic Housing Financing In Malaysia

This study is to identify non-ethical elements in tawarruq munazzam product as an identical bay’ al-inah and therefore to provide alternative methods in executing the deal. This study is qualitative in which data is collected through library research and interview method. The method of library research is to refer to the reference material derived from muamalat books, related bank circulars and journals. While the interview method is to interview the MBSB bank Shariah executive officer in an unstructured way. The findings show that there are four non-ethical elements in tawarruq munazzam contracts that include tyranny (zulm), treachery (ghubn), not trying to make sure sharia compliance in the product as well as the existence of illegal elements (hilah), ambiguity and obscurity (gharar). The findings also show that there is a temporary alternative method for tawarruq munazzam contracts to be applied.

Manajemen Sumber Daya Manusia Islam Bagi SDM di Bank Syariah

Sharia banking in Indonesia continues to experience growth both in terms of assets, the account of offices, the account of customers, and the market share of sharia banking that exceed 5 percent. The growth of sharia banking is not followed by adequate human resources both in quantity and quality. Human resources are still a difficult problem for sharia banking now. In the roadmap of sharia banking period 2015-2019 issued to make the Financial Services Authority to make human resource issues into things to be resolved. It takes a pattern of human resource management that can create qualified human resources for sharia banking. This paper is qualitative descriptive that will describe the growth of human resources in sharia banking, as well as the important role of Islamic human resource management for human resources in shariah banking. This paper shows the growth of human resources in sharia banking in the period of December 2016 until september 2017 grew by 2.368 percent, with the total human resources of shariah banking today as much as 61,389 people. The pattern of Islamic human resource management becomes important for the availability of best quality of human resources in sharia banking. Islamic human resource management able to meet the human resource who understand the science of economics and science of sharia. Islamic human resource management covers the entire process of establishing human resources in sharia banking. One of the patterns of Islamic human resource management that is relevant to the current state of sharia banking is Calestial Management. It consists of ZIKR, PIKR, and MIKR.

Prospek Bank Syari'ah Studi Pendahuluan Pandangan Mahasiswa STAIN Malang

This research is to describe the students' opinion on shariah banks in Malang. In this qualitative research, in-depth interview and documentary analysis were used to obtain the needed data. The findings showed that (I) the shariah banks were not sufficiently socialized, (2) the respondents stated that the system applied by the shariah banks were not different from the conventional ones, (3) the respondent supported the existence of these syariah banks as these syariah banks were intended to apply Islamic principles. The three opinions were determined by the respondents' social interaction, advertisement of bank, or academic activities (seminar, workshop, etc) which offered the relevant topics on syariah banks.

The moderation effect of customer orientation variable on the influence of professional competence toward the quality of strategy implementation

PurposeThis paper aims to investigate the moderation effect of customer orientation variable on the influence of professional competence toward the quality of strategy implementation.Design/methodology/approachThis research is quantitative explanative associative, which is trying to explain the causality relationship between exogenous and endogenous variables. The research was conducted in the Shariah banking office in Central Java Province. The population of this research is all top and middle levels of Shariah Commercial Bank in Central Java region. The sampling technique used in this research is non-probability sampling, that is, purposive sampling, which is the method of determining the sample based on certain criteria and the research sample obtained is 113 respondents. The research approach used is quantitative with the analysis tool of Generalized Structure Component Analysis.FindingsThere is influence of professional competence variable and customer orientation on quality of implementation strategy. The higher the professional competence and customer orientation, the higher the quality of strategy implementation. It is also found that customer orientation moderates the influence of professional competence variables, which are quasi-moderating and reinforcing.Originality/valueThis research has two sources of problems, which are research gap and business phenomenon. Research on Drucker’s business purpose (1954) is realized when a firm identifies the relationship between strategic methods and its ability to generate profits. This research attempts to solve the problem or gap between market orientation and business performance, which has been widely researched by marketing experts, but still shows controversial results. In this research, the researcher takes the definition of Narver and Slater (1990) to examine market orientation because the mostly found empirical research on market orientation and innovation (Han, et.al. 1998; Subin and Workman, 2004; Ferrel and Luke, 2000) has used this conceptualization and its associated operations. Therefore, to compare and distinguish the results of this research with the results of previous research, this research uses the definition of Narver and Slater (1990). No previous study has comprehensively studied the moderating effects of customer orientation on the relation between profesional competence toward quality of strategy implementation, especially in a commercial bank in Central Java region.

Pengaruh Jumlah Penduduk Dan Produk Domestik Regional Bruto Terhadap Pembiayaan Bank Syari’ah Di Sumatera Utara

<pre>This study aims to determine whether there is a significant influence between population and gross regional domestic product on the financing of sharia banks in North Sumatra, and how much influence between the total population on the financing of sharia banks in North Sumatra and between gross regional domestic products. towards the financing of the Shariah bank in North Sumatra. The research design used is quantitative research design using techniques using multiple linear regression analysis techniques supported by classical assumptions and statistical tests with the help of SPSS 19 program. The sample of this study was the population, gross regional domestic product and the financing of the Shari'ah bank in North Sumatra from January 2009 to December 2011. The results showed that simultaneous gross regional population and gross domestic product had a significant and positive effect on bank financing. Shari'ah in North Sumatra. Partially, the more dominant factor that significantly affects the financing of the Shariah bank in North Sumatera is the factor of the population.</pre>