Penyelesaian Pembiayaan Bermasalah pada Akad Mudharabah di BMT Duta Jaya

Mudharabah Financing Agreement is a contract with profitability that is quite beneficial for the parties. In practice, there are often problems and disputes in the financing contract. This study aims to analyze the procedure for solving problematic financing disputes in mudharabah contracts conducted by BMT Duta Jaya using descriptive-normative methods that describe research subjects and objects based on apparent facts and legal approaches used to study the legal norms of the law data that has been obtained. The results of this study indicate that the problem solvings procedure for financing disputes in Duta Jaya Lampung BMT uses non-litigation method. In the implementation of the contract, all mudarabah contract financing operations are in accordance with DSN fatwa number 07/DSN-MUI/IV/2000, only there are fines or compensation provisions which incur members to bear it without any reaso

The performance of Islamic rural banks in Indonesia : 2010-2015

This research aims to examine the influence of concentration rate of the four largest full-fledged Islamic commercial banks (BUS) on the performance of Islamic Rural Banks (BPRS) using ordinary least square (OLS) method. The results show that BUS, Islamic Banking Subsidiary (UUS), and BPRS have always been operating within the same financing market of murabaha products and competing for the same Micro, Small and Medium Enterprises (MSME) sector. Another result finds that despite the high level of concentration from the four largest BUS, the concentration rate insignificantly affects the profitability level of BPRS. This insignificant influence indicates that BUS, UUS, and BPRS are operating in a monopolistic market. It also proves the efficiency hypothesis in Islamic banking industry in Indonesia. Furthermore, this research confirms the competition-fragility theory where the concentration rate of the largest BUS negatively influences non-performing financing (NPF) rate of BPRS.peer-reviewe

Performance Bank BNI Syariah Di Masa Pandemi Covid-19

The performance of Islamic banks during the Covid-19 pandemic has had an impact on the financial soundness of Islamic Banks. Islamic Banks in Indonesia should restructure the Financing (PYD) which results in the acquisition of revenue and net profit received by the bank. The aims of this study are to analyze the soundness of Bank BNI Syariah using the CAMEL, RGEC method, the level of cost efficiency and profitability. Then also measured the potential for BNIS bankruptcy with the Altman Z-Score model. The potential risk of bankruptcy in Islamic Banks is very possible if bank management during the Covid-19 pandemic are not carried out properly and professionally. Secondary data is used during the period 2015 to 2020 to analyze the performance of Islamic Banks before the pandemic and during the pandemic. The results of the CAMEL and RGEC analysis show that soundness conditions varied from "Not Very Good" to "Very Good" from 2015 to 2020. In 2020 the soundness condition of BNIS is "Fairly Good". Meanwhile, the Altman Z-Score shows that BNIS is experiencing a “Not Bankrupt” condition, the level of bank efficiency is “High” and at analysis of profitability as reflected by the ROA ratio, ROE during the pandemic has decreased

Tinjauan Hukum Ekonomi Syariah terhadap Praktik Jual Beli Emas Melalui Aplikasi Online Pluang

AbstractThis study analyzes the Shariah suitability of the Buy and Sell Gold product in the Pluang application which has various features, including; Sell, Buy, Withdraw, Printing gold with related Fatwas and review from a positive legal point of view, namely from the related Laws (UU) and Regulations. Thus, this study aims to describe the mechanism of buying and selling gold online in the Pluang application which can be a reference and a new picture regarding the suitability of sharia. To achieve this goal, this research uses qualitative research methods and uses normative-empirical law research which describes directly about a situation temporarily in an event that occurs. By collecting actual data and information, this research intends to be able to realize the objectives of this research. The conclusion from the results of this study is that the features of selling gold, buying gold, printing gold in Pluang are following with the related fatwa. However, the author draws a few things that can be noted as well as input on Pluang's side. These include, among others, the method of top-up wallet in Pluang, it is better to provide Sharia banking features, Pluang provides a Sharia Supervisory Board (DPS) that can monitor and provide input on gold products in Pluang, and Pluang submits an application for a Sharia Certificate in order to increase public confidence in halal product gold in Pluang.AbstrakPenelitian ini menganilisis kesesuaian Syariah dari produk Jual Beli Emas di aplikasi Pluang yang memiliki berbagai fitur, antara lain ; Jual, Beli, Tarik, Cetak dengan Fatwa-Fatwa terkait dan meninjau dari segi hukum positif yaitu dari Undang-Undang dan Peraturan terkait. Dengan begitu, penelitian ini bertujuan untuk memaparkan mekanisme jual beli emas secara online di aplikasi Pluang yang dapat menjadi referensi dan gambaran baru mengenai hal tersebut tentang kesesuaian syariahnya. Untuk mencapai tujuan tersebut, penelitian ini menggunakan metode penelitian kualitatif dan menggunakan jenis penelitian Hukum normatif-empiris yang menggambarkan secara langsung tentang suatu keadaan secara sementara pada suatu kejadian yang terjadi. Dengan melakukan pengumpulan data dan informasi yang aktual maka penelitian ini bermaksud untuk dapat mewujudkan tujuan dari penelitian ini. Kesimpulan dari hasil penelitian ini adalah fitur-fitur jual emas, beli emas, cicil emas dan Tarik emas yang tersedia di Pluang sudah sesuai dengan fatwa terkait. Namun penulis menarik beberapa hal yang dapat menjadi catatan serta masukan pada pihak Pluang. Hal tersebut antara lain pada metode pengisian dompet di Pluang baiknya menyediakan fitur perbankan Syariah, pihak Pluang  menyediakan Dewan Pegawas Syariah (DPS) yang dapat mengawasi dan memberikan masukan pada produk emas di Pluang, serta pihak Pluang mengajukan permohonan Sertifikat Syariah agar dapat menambah keyakinan masyarakat terhadap kehalalan produk emas di Pluang

Non-performing financing of Islamic rural bank industry in Indonesia

This study is aimed at analyzing the financial performance and indicator of macroeconomics to influence the quality of financing at Islamic Rural Bank Industry (IRBI) in Indonesia. The panel data regression is used to predict the change of quality of financing which is reflected by value of non-performing financing (NPF). The model of this study is grouped by four areas of working zones because IRBI has different competency depending on its region. The sample of the study used 72 IRBIs in the periods of Quarter II 2010 to Quarter I 2016. The results of the study show that simultanuously variables for the size of banks, financing to deposit ratio (FDR), operational efficiency ratio (OER), return on equity (ROE), expense to assets (EA), percentage of gross domestic product (GDP), and the rate of inflation are statistically significant to non-performing financing of the IRBI in Indonesia. GDP has strongly significant impact on the NPF of IRBI in Indonesia. According to Areas of working zones, inflation has quite significant impact on the IRBI in Zone One, and GDP has strongly significant impact on the IRBI in Zone Two, Zone Three, and Zone Four. Nevertheless, there are different effects of GDP towards NPF which has a negative impact on Zone One and Zone Four, meanwhile Zone Two and Zone Three have positive impact. In conclusion, government policy treatment should be different at every zone

The Effects of Productivity and Liquidity on the Profitability of Islamic Banks in Indonesia

Abstract. This study is to measure and analyze the levels of productivity and liquidity of Islamic Banks in Indonesia. This study uses a non-parametric method, contrived from the Malmquist Productivity Index, to measure and analyze the level of productivity of Islamic Banks. Also, this study uses the Liquidity Creation (LC) scale as a liquidity indicator. The regression of the Tobit model is used to measure the effects of independent variables, namely; productivity, liquidity, Financing to Deposit Ratios/FDR, Non-Performance Financing/NPF, and the Capital Adequacy Ratio/CAR, on the profitability of Islamic banks, as represented by Return on Assets/ROA. This study shows that FDR, NPF, and CAR are statistically significant to ROA, while Total Factor Productivity/TFP and LC are not statistically significant. Other results show the level of productivity of Islamic Banks decreased during the period 2011-2020. In terms of liquidity level, Islamic banks did have a sound level of liquidity, based on mapping the criteria of FDR, NPF, and CAR, where the LC always grew. This study shows the novelty of integrating productivity, liquidity, and profitability techniques, to measure Islamic Banking Performance in Indonesia.Keywords: Islamic Bank, Total Factor Productivity, Liquidity Creation, ProfitabilityJEL: G21, R51 Abstrak. Tujuan dari penelitian ini adalah untuk mengukur dan menganalisis tingkat produktivitas dan likuiditas Bank Umum Syariah di Indonesia. Penelitian ini menggunakan metode non parametrik yakni Malmquist Productivity Index untuk mengukur dan menganalisis tingkat produktivitas Bank Umum Syariah. Selain itu, penelitian ini menggunakan Liquidity Creation (LC) sebagai indikator likuiditas. Regresi model Tobit digunakan untuk mengukur pengaruh variabel bebas, yaitu; produktivitas, likuiditas, Financing to Deposit Ratio/FDR, Non-Performance Financing/NPF, dan Capital Adequacy Ratio/CAR terhadap profitabilitas bank syariah yang direpresentasikan oleh Return on Assets/ROA. Penelitian ini menunjukkan bahwa FDR, NPF, dan CAR berpengaruh signifikan terhadap ROA, sedangkan Total Factor Productivity/TFP dan LC tidak berpengaruh signifikan. Hasil lainnya menunjukkan bahwa tingkat produktivitas Bank Umum Syariah menurun selama periode 2011-2020. Dari sisi tingkat likuiditas, bank syariah memang memiliki tingkat likuiditas yang sehat berdasarkan pemetaan kriteria FDR, NPF dan CAR, dimana LC selalu meningkat setiap periode. Studi ini menunjukkan kebaruan dalam integrasi teknik produktivitas, likuiditas, dan profitabilitas, untuk mengukur kinerja perbankan Syariah di Indonesia. Keywords: Bank Syariah, Total Factor Productivity, Liquidity Creation, ProfitabilityJEL: G21, R5

EFISIENSI BANK UMUM SYARIAH MENGGUNAKAN PENDEKATAN TWO-STAGE DATA ENVELOPMENT ANALYSIS

The aim of this study is to measure the efficiency of Islamic Bank in Indonesia, to analyze the factors that affect the level of efficiency which is known as Two-Stage Data Envelopment Analysis method and to propose measurement of Bank Soundness with modified CAMELS. The objects of this study are 10 (ten) Islamic Bank (BUS) in Indonesia which analyzes from the second Quarter of 2010 until the fourth Quarter of 2012. There are 2 (two) methods which are used in this study, namely non-parametric method of Data Envelopment Analysis (DEA) on the first stage and Tobit model on the second stage. In addition, this study will illustrate the formulation of the financial factors of CAELS instead of CAMEL by integrating the results of efficiency level measurement using DEA in CAELS formulation. Overall, the results, show that the efficiency level of Islamic banks in Indonesia during the time period in this study, have not yet reach the optimum level of efficiency. In addition, modification of CAELS for the bank performance level method by integrating the result of DEA shows that the modification of CAELS could be more accurate in describing the bank performance level, particularly for Islamic Bank in Indonesia. Keywords: Efficiency, Data Envelopment Analysis (DEA), Tobit Model, CAELS + DEA JEL Classification: C02, C14, C54,G2

Efficiency of Islamic Banks Using Two Stage Approach of Data Envelopment Analysis

The aim of this study is to measure the efficiency of Islamic Bank in Indonesia, to analyze the factors that affect the level of efficiency which is known as Two-Stage Data Envelopment Analysis method and to propose measurement of Bank Soundness with modified CAMELS. The objects of this study are 10 (ten) Islamic Bank (BUS) in Indonesia which analyzes from the second Quarter of 2010 until the fourth Quarter of 2012. There are 2 (two) methods which are used in this study, namely non-parametric method of Data Envelopment Analysis (DEA) on the first stage and Tobit model on the second stage. In addition, this study will illustrate the formulation of the financial factors of CAELS instead of CAMEL by integrating the results of efficiency level measurement using DEA in CAELS formulation. Overall, the results, show that the efficiency level of Islamic banks in Indonesia during the time period in this study, have not yet reach the optimum level of efficiency. In addition, modification of CAELS for the bank performance level method by integrating the result of DEA shows that the modification of CAELS could be more accurate in describing the bank performance level, particularly for Islamic Bank in Indonesia.   Keywords: Efficiency, Data Envelopment Analysis (DEA), Tobit Model, CAELS + DEA JEL Classification: C02, C14, C54,G2

Faktor-faktor yang Memengaruhi Kinerja Pegawai Bank BJB Syariah Cabang Bekasi

This research aimed to identify the effect of work ability, motivation, and Islamic work ethics on the employee performance in Sharia BJB Bank in Bekasi branch. This research was conducted by distributing online questionnaires to the respondents, the Sharia BJB Bank employees in Bekasi branch. This research used the structural equation modeling (SEM) to measure the relationships among three latent variables, i.e. work ability, work motivation, and Islamic work ethic; as well as the relationships between those latent variables and their indicator variables. The SEM model was processed by using PLS software. The research results showed that the work ability significantly influences the employee performance in Sharia BJB Bank in Bekasi branch at 95% confidence level. The research results also showed that work motivation significantly influences the employee performance in Sharia BJB Bank in Bekasi branch. The research results showed that the Islamic work ethic significantly influences the employee performance in Sharia BJB Bank in Bekasi branch. These steps must be maintained, and the management must design the managerial implications to support the employee performance improvement in Sharia BJB Bank in Bekasi branch. This should be synergized, communicated, and coordinated among managements of Head Quarter, Head Branch, and the employees of Sharia BJB Bank in Bekasi branch.Keywords: islamic work ethic, performance of employees, structural equation modeling, work ability, motivationAbstrak: Penelitian ini bertujuan menganalisis pengaruh kemmapuan kerja, motivasi kerja dan etika kerja Islam terhadap kinerja pegawai Bank BJB Syariah Cabang Bekasi. Penelitian ini dilakukan melalui penyebaran kuisioner secara online dengan responden pegawai Bank BJB Syariah Cabang Bekasi. Penelitian ini menggunakan structural equation modeling (SEM) untuk mengukur hubungan antar antar tiga variabel laten, yaitu kemampuan kerja, motivasi kerja dan etika kerja Islam, serta hubungan antara variabel laten tersebut dengan varaibel indikatornya. Model SEM pada penelitian ini diolah menggunakan software PLS. Hasil penelitian menunjukkan bahwa kemampuan kerja terhadap kinerja pegawai Bank BJB Syariah Cabang Bekasi berpengaruh signifikan terhadap kinerja pegawai pada tingkat kepercayaan 95%.Hasil penelitian juga menunjukkan bahwa motivasi kerja berpengaruh signifikan dengan kinerja pegawai.Hasil penelitian menunjukkan bahwa etika kerja Islam berpengaruh signifikan terhadap kinerja pegawai Bank BJB Syariah Cabang Bekasi.Hal ini menjadi awal yang bagus, dengan kebijakan yang dilakukan membuat perubahan bagi kinerja pegawai Bank BJB Syariah Cabang Bekasi. Langkah ini harus terus dipertahankan, serta manajemen harus membuat implikasi manajerial yang akan menunjang peningkatan kinerja pegawai Bank BJB Syariah Cabang Bekasi. Hal ini harus saling bersinergi, berkomunikasi, dan berkoordinasi antara manajemen Kantor Pusat, Pimpinan Cabang dan Pegawai Bank BJB Syariah Cabang Bekasi.Kata kunci: etika kerja islam, kemampuan kerja kinerja pegawai motivasi kerja, dan kinerja, SE