Determinants Affecting Growth Of Islamic Bank Assets In Indonesia: External Factors As Moderating Variables

Introduction to The Problem: Internal and external factors will affect the growth of an industry, including the Islamic banking industry. Both can measure Islamic banks' growth more broadly and deeply.. Purpose: This study aims to analyze the relationship of internal factors to the growth of Islamic bank assets in Indonesia: external factors as moderating variables. Methodology: To answer the objectives of this study, secondary data in the form of panel financial reports for the period 2012-2021 were used. The samples taken in this study were 12 Islamic Commercial Banks (BUS), 21 Islamic Business Units (UUS), and 164 Islamic BPRs. Internal factors include CAR, FDR, NPF, and DPK, and the external factor used is the BI Rate. These financial data were then tested using the panel data regression analysis method through the Moderated Regression Analysis (MRA) estimation model with the help of the SPSS 25 statistical tool. Findings: The results showed that the BI Rate variable increased the relationship of internal variables to the growth of Islamic bank assets

Islamic Banking Efficiency in Indonesia and Malaysia: Two Stages Data Envelopment Window Analysis

This study aimed to evaluate the efficiency of Islamic banks in Indonesia and Malaysia and examine the determinants of their efficiency in 2015-2019 using a two-stage data development window analysis approach. The research involves 13 Indonesian Islamic banks and 16 Malaysian Islamic banks. The first test step using the Data Envelopment Window Analysis (DEWA) approach has shown that the Islamic Bank's efficiency in managing resources is inefficient. The second research process using the Tobit model shows that the Capital Adequacy Ratio (CAR), Return on Asset (ROA), Non-Performing Financing (NPF), and Deposit Ratio Financings (FDR) do not have a significant impact on the efficiency of Indonesian Islamic Banking. Though CAR has significant positive effects on banking efficiency in Malaysia, NPF has a significant impact on Malaysian Islamic banks' efficiency. This study implies that the banking industry players increase their efficiency, mainly to enhance the amount of finance directed more towards the production sector, to increase the Islamic banking industry's market share in both countries

End-User Assessment of the Graduate Performance From Islamic Bank Department, Faculty of Islamic Studies, Universitas Ahmad Dahlan: A Survey

It is undeniable that external factors drive the development and growth of the Islamic bank industry in Indonesia. One of them is the supply of Islamic Human Resources (IHR) from various universities (PT), both private and public, that have opened Islamic banking study programs. However, the increasing availability of IHR from PT still needs to improve, including; link and math curriculum, absorption of graduates in the Islamic bank industry, competence, and performance of PT graduates. Therefore, this study aims to assess the performance of graduates of Islamic banking study programs who have worked in the Islamic banking and finance/islamic banking industry with an approach of technical competence, conceptual competence, and interpersonal ability. This type of research is descriptive quantitative. The sample is all alums of the Islamic banking study program who have worked in Islamic banks and finance/islamic for 2019-2021 with snowball sampling techniques. The sampling method uses questionnaires distributed to company leaders. The findings showed that most alums of Islamic banking study programs who work in the financial industry show high technical skills, conceptual abilities, and interpersonal skills

The efficiency of Amil Zakat Institutions (LAZ) in Indonesian Islamic Banks: Data Envelopment Analysis Approach

The Amil Zakat Institution (LAZ), based on Islamic bank corporations, has shown a significant role based on the mandate of the 2008 law on the social functions of Islamic banks. However, a performance evaluation is needed to see how efficient the LAZ is in its operations. This study aims to analyze the level of efficiency of the LAZ of Islamic bank corporations in Indonesia. This research method uses a quantitative design with an associative approach. The research subjects were five. Due to limited data, two samples were taken, namely the LAZ of Islamic bank corporations, including Baitulmal Bank Muamalat (BMM) Indonesia and BSM Ummah (BSMU). Efficiency analysis uses the Data Envelopment Analysis (DEA) method of production, asset and intermediation approaches, and the data is tested using Warwick DEA software. The results of this study indicate that all OPZ based on Islamic banks have efficient performance with a value of 100% both on the assumption of Constant Return to Scale (CRS) and Variable Return to Scale (VRS). This means that OPZ from Islamic bank corporations can collect and distribute ZISWA funds. The results of this study also indicate that there are limitations to the research carried out. The researcher recommends further research to add other, more comprehensive approaches, such as intermediation and assets. Lembaga Amil Zakat (LAZ) berbasis korporasi bank syariah telah menunjukkan peran yang signifkaan berdasarkan amanat undang-undang 2008 tentang fungsi sosial bank syariah. Namun, demikian, diperlukan evaluasi kinerja untuk melihat seberapa efisien LAZ tersebut dalam operasionalnya. Tujuan penelitian ini untuk menganalisis tingkat efisiensi LAZ korporasi bank syariah di Indonesia. Metode penelitian ini menggunakan desain kuantitatif dengan pendekatan asosiatif. Subyek penelitian berjumlah lima. Adanya keterbatasan data, diambil dua sampel yakni LAZ korporasi bank syariah meliputi Baitulmal Bank Muamalat (BMM) Indonesia dan BSM Umat (BSMU). Analisis efisiensi menggunakan metode Data Envelopment Analysis (DEA) pendekatan produksi, asset dan intermediasi dan data diuji dengan menggunakan software Warwick DEA. Hasil penelitian ini menunjukkan semua OPZ berbasis bank syariah mempunyai kinerja efisien dengan nilai 100% baik asumsi Constant Return to Scale (CRS) dan Variable Return to Scale (VRS).  Artinya OPZ dari korporasi bank Syariah mempunyai kemampuan  menghimpun dan menyalurkan dana ZISWA. Hasil penelitian ini juga menunjukkan adanya keterbatasan penelitian yang telah dilakukan  Peneliti merekomendasikan penelitian selanjutnya untuk menambahkan pendekatan lain yang lebih komprehensif seperti dalam aspek  intermediasi dan asset

Pengaruh Sertifikasi Halal Terhadap Kesetiaan Konsumen Pada Produk Makanan dan Minuman: Studi Kasus Konsumen Non-Muslim di Daerah Istimewa Yogyakarta

Indonesia is serious about positioning itself as the world's halal center and a pioneer in halal certification globalization. The public as consumers also has the right to get correct information about the halal-certified food products they need. It's related to consumers' safety both Muslim and non-Muslim, both in faith, spiritually and physically, in consuming food and beverage products. It is very dependent on information on these food products. The Government's efforts related to food products that are Halal certified in the community are by issuing Law no. 33 of 2014 concerning Halal Product Guarantee, which will be enforced three years later as a transition period. Many things influence consumer loyalty to a product. Among them, product quality, price, design, promotion, brand ambassador. Consumers will have high loyalty to a product if the product is of high quality. In other words, the product can provide the satisfaction expected by consumers. Samples were taken randomly according to the criteria set by the researcher. The data analysis technique used Structural Equation Modeling (SEM). This study used 185 responses from respondents, which were obtained using a google form survey. This study indicates that the variables of product quality, price, design, promotion, and brand ambassador have a significant positive effect on consumer loyalty to halal-certified products. It shows that halal certification for non-Muslim consumers is also one factor that needs to be considered and taken into consideration for food and beverage product producers