Why Do People See a Financial System as a Whole Very Important?

Masyita, Dian

doi:10.21098/jimf.v1i1.484

Cited by 8 publications

(9 citation statements)

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“…19 Besides that, Islamic banks are banks that uphold the value of justice so that it can be one of the solutions in preventing economic crises caused by one of them is the element of human greed in commercial activities. 20 Islamic bank services should reach all rural and remote areas that need support from Islamic banks. Islamic banks are not only banks that provide financial services based on sharia principles, but they are financial institutions that aim to complement the teachings of Islam.…”

Section: Literature Reviewmentioning

confidence: 99%

The Contribution of Islamic Bank in Poverty Alleviation

Nugroho

Mastur

Harnovinsah

et al. 2020

Ahkam

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<p class="IABSSS">The existence of Islamic banks as one part of Islamic financial institutions should contribute to improving the economy, one of which is to reduce poverty. Therefore, the purpose of this study is to investigate the effect of financing variables, asset variables, and Islamic bank office variables on poverty levels. The sample used to be Islamic Commercial Banks (BUS) in the 2013-2017 period, with a total of 110 samples. The methodology used is quantitative with multiple regression statistical analysis and statistical data processing using SPSS software version 20. The results of the study note that financing has a negative and significant effect, namely, the higher the financing of Islamic banks, it will reduce poverty. However, the total assets and the number of networks that have a positive and significant effect, namely the increase in total assets and branch networks, it will affect the increasing amount of poverty. That is because the assets of Islamic banks are supported by the majority savings and the not optimal yet of distribution of financing from Islamic banks to the community. Also, the existence of the Islamic branch office tends to be found in provincial capitals and big cities, so that the communities in rural and remote areas are still not reached by Islamic banks.</p>

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Section: Literature Reviewmentioning

confidence: 99%

The Contribution of Islamic Bank in Poverty Alleviation

Nugroho

Mastur

Harnovinsah

et al. 2020

Ahkam

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“…The existence of Islamic banks in Indonesia began in 1992 which was a demand from Muslims who also as the majority of the population in Indonesia to the needs of carrying out their belief in a holistic way or kaffah (Nugroho & Husnadi, 2017). The phenomenon that occurs in Islamic banks, since the establishment of Islamic banks in 1992 until now there have been several economic and monetary crises, but the crisis did not have a significant impact on the financial stability of Islamic banks (Masyita, 2015;Setiawan, 2006;Wibowo & Syaichu, 2013). According to Sukmadilaga & Nugroho, (2017), the ability of Islamic banking in survive from the crisis is because Islamic banking in carrying out its operations has the following principles: 1 In line with this, the Islamic banking can be a solution to realize a socialwellbeing community, and Islamic banks have their mechanism (sharia principles) in operation (Choudhury & Hussain, 2005;Dusuki, 2008;Gilani, 2015;Nugroho & Husnadi, 2017) so that being able to maintain the financial stability of the country is shown in the figure 4 below:…”

Section: Literature Reviewmentioning

confidence: 99%

“…Furthermore, according to Perry Warjiyo, the causal agent of the disruption in exchange rate stability is due to the economy of usury. Besides Perry Warjiyo, some economists also have the same opinion that Islamic banking can contribute to maintaining economic stability (Masyita, 2015;Sudarsono, 2009) because Islamic banking has the principle of "Maghrib." Maghrib stands for sharia principles which are the operational basis of Islamic banks which include: (i) Prohibition of speculative actions; (ii) Prohibition against gharar/transaction actions that do not have an explicit underlying; (iii) Prohibition of the operation of usury/transactions that incriminate one party such as the application of interest rates.…”

Section: Introductionmentioning

confidence: 99%

The Contribution of Sukuk Placement and Securities to The Islamic Bank Profitability

Nugroho

Badawi

Hidayah

2020

TIFBR

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The purpose of this study was to determine the effect of the placement of Islamic bank funds on government assets (Government-Sukuk), the placement of Islamic bank funds at the central bank, and the placement of Islamic bank funds on non-government assets (Corporate-Sukuk) on the return on asset (ROA) of Islamic banks. The method is quantitative with a multiple regression statistical model and the Stata version 13 as the statistical software. Based on data processing on research variables, it was found that investment in Government Sukuk has a negative and significant effect on return on assets. Furthermore, the variable investment in securities in Bank Indonesia instruments has a positive and significant impact on the return on asset (ROA). Nevertheless, investment in Sukuk corporates has a positive effect and not significant to the return on asset. Therefore, Islamic Banks must be able to select the investment options in placing their excess funds to get optimal returns which aims to maintain bank reputation and performance. Thus, the impact is the public trust increases with the performances of the Islamic Bank.

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“…L kew se, n Indones a, the share of Islam c banks s st ll low, wh ch s st ll below 7% (S tanggang & Tend , 2019). Therefore the commun ty and the government must collaborate to ncrease the market share of Islam c banks n Indones a. Islam c banks w th the shar a pr nc ples baned the act v ty that content of MAGHRIB (Mays r, Gharar, and R ba) can be used as a solut on n prevent ng acts of njust ce and also human greed n bus ness and f nanc al transact ons (Kayed & Hassan, 2011;Masy ta, 2015;. Furthermore, the def n t on of MAGHRIB are: ( ) Mays r s a transact on that s hung on someth ng that s uncerta n and conta ns elements of gambl ng, bett ng or play ng at r sk that has been clear n Islam c law that t s proh b ted (haram), ( ) Gharar s a transact on that conta ns amb gu ty and doubt, ( ) R ba or usury s a spec al add t on owned by one of the two part es nvolved w thout any spec f c reward.…”

Section: Introduct Onmentioning

confidence: 99%

Pancasila (Five Principles of Indonesia Nation) Snapshot in Customer Deposit of Islamic Bank (Religion, Age and Gender Perspective of Bank Mandiri Syariah)

Nugroho¹,

Badawi²,

Hidayah³

et al. 2020

JRB

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Indones a that a country w th the most s gn f cant Musl m major ty n the world, wh ch s also not a state based on Islam c law. Moreover, Pancas la (f ve pr nc ples of Indones a nat on) as the bas s of the nat onstate of Indones a has also been n l ne w th Islam c law that recogn zes other rel g ons. The purpose of th s study s to analyze Islam c bank depos ts from the aspects of rel g on, age, and sex of the depos tors. Th s study s l m ted by research quest ons, wh ch nclude: How s the portfol o of sav ngs n Islam c banks based on rel g on, How s the portfol o of Islam c bank sav ngs based on age, and How s the portfol o of Islam c bank sav ngs based on gender. The method used s quant tat ve us ng secondary data found n Bank Mand r Shar a as the largest Islam c bank n Indones a, wh ch has a 20% market share of the Islam c bank ndustry n Indones a. The results of th s study are the depos t customers of Islam c banks are not only Musl m but cons st of all adherents of rel g on recogn zed by the government. In add t on, sav ngs customers based on the age aspect, the younger generat on has contr buted to the growth n the number of depos ts n Islam c banks. However, the adult generat on st ll dom nates the amount of sav ngs balance. Furthermore, when v ewed from the gender aspect, the owner of depos ts n Islam c banks s st ll dom nated by men. But n terms of growth, the number of depos ts and the amount of sav ngs balances s dom nated by women.

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Why Do People See a Financial System as a Whole Very Important?

Cited by 8 publications

References 0 publications

The Contribution of Islamic Bank in Poverty Alleviation

The Contribution of Islamic Bank in Poverty Alleviation

The Contribution of Sukuk Placement and Securities to The Islamic Bank Profitability

Pancasila (Five Principles of Indonesia Nation) Snapshot in Customer Deposit of Islamic Bank (Religion, Age and Gender Perspective of Bank Mandiri Syariah)

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