Purpose - This study aims to analyse the financing structure of Islamic Commercial Bank and Islamic Business Unit. This Study Compare the financing structure before and during the Covid-19 pandemic.Method - This research is using The comparative research method to determine differences in the financing structure of Islamic Banks before and during the Covid-19 period.Result - The result of this research indicates that the financing structure of Islamic Commercial Banks and Islamic Business Units based on the type of shari’ah compliant contract and the type of usage shows differences before and during the covid-19 pandemic. The decrease is shown in financing with mudharabah and ijarah contracts.Implication - The research indicates that the Bank has been impacted by the Covid-19 pandemic as indicated by changes in the financing structure of the banking system. Banks need to determine the right strategy in this situation.Originality- This study conducted a financing test based on the type of contract and the type of usage. This study identified two conditions in the period before and during the pandemic.
Islamic Rural Banks have a priority scale in the real sector, which is solely dependent on economic conditions. Admittedly, the Covid-19 pandemic caused serious economic instability and Central Java is one of the regions in Indonesia most affected by the phenomenon. Therefore, this study aims to determine the impact of the Covid-19 pandemic on the financial performance of Islamic Rural Banks in Central Java using a descriptive quantitative approach. Based on purposive sampling, 23 Islamic Rural Banks in Central Java were selected as the research sample. The results of this study show that the Islamic Rural Bank in Central Java had very healthy capital and liquidity and this was determined by the quality of assets owned by the bank. However, it was observed that the profitability state of OER was not healthy while that of ROA was quite healthy. This proves that the Covid-19 pandemic caused a significant decrease in the various bank's ability to generate profits. To successfully face the potential risk of losing during events such as the Covid-19 pandemic, adequate capital is needed in the bank's reserve.The Islamic Rural Banks are more careful in terms of asset management to maintain the bank's healthy condition, therefore, they store adequate funds in their reserves to help them combat problems similar problems like this one. The practical implication of this research is that it will be useful for banking management, policy makers and users of banking services. Lastly, this research provides information that can be used by regulators in formulating appropriate policies to minimize the adverse effects of Covid-19.
This research aims to show the influence of brand image, trust, and promotion on customers’ decisions to use Bank Syariah Indonesia Hajj savings during the covid-19 pandemic. The population of this research is the customers of Hajj savings of Bank Syariah Indonesia branch office of MT Haryono, as many as 550 people. Sampling used a random side technique with a Slovin approach to obtain a sample of 100 people. They are collecting data using primary data, namely questionnaires. Data analysis was carried out by testing validity, reliability, classical assumption, and hypothesis testing. The results of this study indicate that brand image and trust do not affect customers’ decisions in using Bank Syariah Indonesia Hajj savings during the covid-19 pandemic. Promotions positively affect customers’ decisions in using Bank Syariah Indonesia Hajj savings during the covid-19 pandemic. This research can complement the existing theory and become a reference for Bank Syariah Indonesia to improve the promotion strategy of Hajj savings products.
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