The development of Islamic banking indicated dynamic changes and rapid growth.
This article describes the extent of Islamic Banking in Indonesia in function as an agent of development through ethical identity disclosure in annual reports of Islamic Banking. The importance ethical identity of the company as a part of the personality in the achievement of business objectives, has the purpose to describe the manifestations and uniqueness in order to operate well and success in the market, able to provide recognition and distinction between banks, as an important aspect of the bank's market competitiveness of sustainable, which includes an understanding of the ethical and social culture of the bank. Islamic banking as a financial institution which different with conventional banks, have a view applies fundamental concepts of property rights and contracts that govern behavior, ethical, moral and social economy, both individuals, institutions, communities and countries. Fundamental perspective above, will be able to belief in religion (Islam), as well as support for Islamic Banks to be integral and system economic of Islam will be applicable in all times and in particular contribute for national economy, as well as being an alternative system for the development of the world economy.
This study aims to analyze the Sharia Non-Banking Financial Industry (henceforth INKB) performance in Indonesia based on the criterion of sharia maqashid and its inclusive contribution. This study's population is the Sharia IKNB, with the samples include sharia insurance companies, sharia finance companies, sharia pension funds, and pawnshop companies. The data in this study were analyzed using the Simple Additive Weighting method. The study results show the highest five ranks of Sharia Maqashid Index performance calculation, namely, in respective order, DPLK Muamalah, Reindo Syariah, Asuransi Takaful Indonesia, Sarana Multigriya Finansial, and lastly is Pegadaian Indonesia. To overcome the structural poverty that has been a prominent unfinished issue and often neglected by the state, it requires the ability and sensitivity to respond to the low class' turmoil by the sustainable economy, environment, and financial industry media. The Sharia IKNB must contribute to the public in becoming the frontline in improving the structural poverty system and leading industry in achieving the highest sharia objective, to maintain the life sustainability of humans, nature, economic resource, and other life aspects of the society.Abstrak: Penelitian ini bertujuan untuk menganalisis kinerja Industri Keuangan Non Perbankan Syariah (selanjutnya INKB) di Indonesia berdasarkan kriteria maqashid syariah dan kontribusinya yang inklusif. Populasi penelitian ini adalah IKNB Syariah, dengan sampel perusahaan asuransi syariah, perusahaan pembiayaan syariah, dana pensiun syariah, dan perusahaan pegadaian. Data dalam penelitian ini dianalisis menggunakan metode Simple Additive Weighting. Hasil studi menunjukkan lima peringkat tertinggi penghitungan kinerja Indeks Maqashid Syariah, yaitu di masing-masing urutan, DPLK Muamalah, Reindo Syariah, Asuransi Takaful Indonesia, Sarana Multigriya Finansial, dan terakhir adalah Pegadaian Indonesia. Untuk mengatasi kemiskinan struktural yang selama ini menjadi isu menonjol yang belum terselesaikan dan sering diabaikan oleh negara, diperlukan kemampuan dan kepekaan dalam merespon gejolak kelas bawah oleh media ekonomi, lingkungan, dan industri keuangan yang berkelanjutan. IKNB Syariah harus berkontribusi kepada masyarakat menjadi garda terdepan dalam memperbaiki sistem kemiskinan struktural dan industri unggulan dalam mencapai tujuan syariah yang setinggi-tingginya, menjaga keberlanjutan kehidupan manusia, alam, sumber daya ekonomi, dan aspek kehidupan masyarakat lainnya.
Sebagai salah satu segmen dengan pertumbuhan tercepat baik di sektor teknologi maupun keuangan, Teknologi Finansial (Fintech) telah merevolusi dunia keuangan. Fintech menyatukan komunitas keuangan dan membuat layanan keuangan tersedia untuk semua orang dengan memanfaatkan prinsip-prinsip dasar teknologi Blockchain. Fintech memiliki implikasi luas untuk keuangan Islam, yang meliputi perbankan, investasi, asuransi (takaful), dan manajemen kekayaan. Buku ini memberikan pemeriksaan mendalam tentang bagaimana Fintech membentuk industri keuangan Islam di tiga bidang utama: digitalisasi, pengembangan, dan disrupsi. Buku ini akan memberikan informasi tentang Shariahtech (Fintech yang menganut prinsip Syariah) dan penerapannya di industri keuangan syariah. Buku ini juga memberikan ikhtisar tentang evolusi Blockchain dan Fintech, serta bagaimana mereka berfungsi sebagai dasar lanskap keuangan digital. Pembaca buku ini juga akan mendapatkan pemahaman menyeluruh tentang perspektif Islam tentang cryptocurrency, serta penggunaan kontrak pintar di berbagai layanan keuangan Islam. Buku tersebut memberikan gambaran rinci tentang aplikasi Blockchain dan Fintech di bidang keuangan syariah untuk mahasiswa, akademisi, dan peneliti.
Islamic social reporting as part of the responsibility of Islamic banks in fulfilling Islamic social performance reporting can also be a priority for investors in making investment decisions. The use of the Islamic social reporting Index in the disclosure of company reports aims to fulfill investors' spiritual desires in the form of accountability to Allah. This study aims to determine the effect of firm age, firm size, and profitability on Islamic social reporting disclosure in Indonesian commercial banks. The study used quantitative methods, and the research population used the financial statements of 11 Indonesian Islamic commercial banks registered with the financial services authority (OJK) from 2014 to 2019. The research sample used 5 Indonesian Islamic commercial banks registered with the OJK and published from 2014 to 2019, using a purposive sampling technique. The data analysis technique with panel data was processed using EViews 10. The results showed that company age significantly affected Islamic social reporting disclosures; company size and profitability did not affect Islamic social reporting disclosures. The research has practical implications and contributes to the fulfillment of investor confidence and the accountability of Islamic companies to stakeholders to manage public fund investments according to sharia principles and sharia compliance standards.
This research based to analyze the impact of financing to deposit ratio (FDR), non perfoming finance (NPF), banking operational cost (BOPO), third party pooling fund (DPK), interest rate of central bank (BI Rate), and Inflation on return of Asset (ROA) determination Sharia Bank, this research had populate from Sharia Bank and Sharia Operational Unit during 4 years research (2010 - 2013).This research use a second type data which is known from monthly statistic Islamic Bank report published by Central Bank. The data was analyzed by double linier regretion with examine classic assumption before. The research result with parsial type (t-examine) proved that FDR, NPF, BI Rate and inflation are not impacted with ROA Islamic Bank determination and BOPO had an impact and third party pooling fund (DPK) exclude because that had a multikorealis disease so as stimultaneously analyze (F examine) NPF,FDR,BOPO, central bank interest, and infalation are significant impact to return of asset determination of Islamic Bank.
This paper review to assess the performance of Islamic Bank of Devisa on syarî'ah maqâs} id index and its inclusive contribution to sustainable development of Islamic Bank in Indonesia. This paper was an exploratory study with survey eksperience, using the analysis of secondary datas and the pilot studies
Tujuan dari studi penelitian ini ialah untuk menguji apakah dampak pengaruh dari rasio keuangan terhadap pembiayaan bermasalah PT Bank Muamalat Tbk dengan indikator seluruh rasio keuangan meliputi rasio keuangan likuditas (FDR), solvabilitas (ROA), (ROE), (NIM) dan biaya operasional (BOPO) serta rentabilitas (CAR). Populasi penelitian dengan mengacu pada laporan keuangan pada PT Bank Muamalat Tbk tahun 1998 hingga 2021 menggunakan metode purposive sampling untuk pengambilan sampel. Dalam studi penelitian ini data diolah dengan alat analisis yaitu aplikasi olah data Eviews 12 menggunakan Metode Least Square (LS) yang menghasilkan nilai parameter model penduga yang lebih tepat, apakah model tersebut menyimpang dari asumsi klasik ataupun tidak serta merupakan teknik peramalan yang menggunakan data deret waktu untuk mengidentifikasi suatu tren tertentu. Digunakan dalam studi penelitian ini, untuk mengolah data dan menguji Asumsi Klasik menggunakan uji regresi linear berganda (Multikolinearitas, Autokorelasi, Heteroskedastisitas, Normalitas, dan Linearitas) serta regresi linier berganda juga diuji. Temuan penelitian ini menunjukkan bahwasanya likuiditas tidak berpengaruh terhadap NPF Nett, rentabilitas berpengaruh terhadap NPF Nett pada variabel ROA, ROE, NIM. Sedangkan variabel BOPO pada rentabilitas tidak memiliki pengaruh terhadap NPF Nett. Serta solvabilitas terbukti signifikan berpengaruh terhadap NPF Net. Dalam hal ini, CAR yang menilai kecukupan modal yang dimiliki suatu bank untuk menentukan solvabilitas berpengaruh terhadap tingkat berapa pembiayaan bermasalah yang terjadi di PT Bank Muamalat Tbk.
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