Juridical Study of The Development of Islamic Banking Law and Its Implications for Islamic Bank Products

This study aims to analyze the development of Islamic banking law and its implications for the development of Islamic banking products. The researcher examined the significance of changes in laws related to Islamic banking for regulatory development and their implications for the development of Islamic banking institutions and products using a juridical-normative approach. This research includes literature research with a normative approach. The data collection technique used in the study is documentation techniques. Meanwhile, the data analasis technique used is induction technique with a qualitative approach. The results of the study show that changes in the law on Islamic banking have had a significant effect on the development of Islamic banking regulations in Indonesia. The implementation of Law Number 21 of 2008 concerning Sharia Banking is expected to answer some of the problems and doubts regarding the direction of development of Islamic banking in the future, including the direction of legal developments governing Islamic banking activities. With the enactment of Islamic banking regulations spread across sharia banking laws and regulations, the compilation of sharia economic law and fatwa dsn-mui as the legal basis for Islamic banking activities in Indonesia, it is expected to have implications for increasing the market share of Islamic banking and service networks and being able to encourage the development of Islamic banking products. The implications of this research are expected to develop knowledge in the field of legal politics and laws and regulations in the fields of economics and business. In addition, it is hoped that it can be useful for the fulfillment of human life celebrations related to aspects of structuring collective life, including developing an appreciation of legal and unlawful politics. Penelitian ini, bertujuan untuk menganalisis perkembangan hukum perbankan syariah dan implikasinya terhadap pengembangan produk-produk perbankan syariah. Peneliti mengkaji signifikansi perubahan undang-undang terkait perbankan syariah bagi perkembangan regulasi dan implikasinya terhadap pengembangan institusi dan produk-produk perbankan syariah menggunakan pendekatan yuridis-normatif. Penelitian ini termasuk penelitian kepustakaan dengan pendekatan normatif. Tehnik pengumpulan data yang digunakan dalam penelitian adalah tehnik dokumentasi. Sedangkan tehnik analasis data yang digunakan adalah tehnik induksi dengan pendekatan kualitatif. Hasil dari penelitian menunjukkan bahwa perubahan undang-undang tentang perbankan syariah, telah berpengaruh secara signifikan bagi perkembangan regulasi perbankan syariah di Indonesia. Implementasi Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah, diharapkan dapat menjawab sebagian persoalan dan keragu-raguan mengenai arah perkembangan perbankan syariah ke depan, termasuk arah perkembangan hukum yang mengatur kegiatan perbankan syariah. Dengan diberlakukannya regulasi perbankan syariah yang tersebar dalam Peraturan Perundang-undangan Perbankan Syariah, Kompilasi Hukum Ekonomi Syariah dan Fatwa DSN-MUI sebagai landasan hukum bagi kegiatan perbankan syariah di Indonesia, diharapkan dapat berimplikasi terhadap peningkatkan pangsa pasar perbankan syariah dan jaringan pelayanan serta mampu mendorong perkembangan produk perbankan syariah. Implikasi penelitian ini, diharapkan dapat mengembangkan pengetahuan di bidang politik hukum dan peraturan perundang-undangan dalam bidang ekonomi dan bisnis. Selain itu, diharapkan dapat berguna bagi pemenuhan hajat hidup manusia berkenaan dengan aspek penataan kehidupan kolektif termasuk mengembangkan apresiasi terhadap politik hukum dan peraturan perundang-undangan, khususnya perbankan syariah

Analisis Pengaruh Service Quality, Customer Relationship Management dan Keunggulan Produk Tabungan Terhadap Loyalitas Nasabah pada Bank Bri Syariah

ABSTRAK Penelitian ini bertujuan untuk menganalisis dan menemukan pengaruh service quality, customer relationship management dan keunggulan produk tabungan terhadap loyalitas nasabah Bank BRI Syariah. Hasil penelitian ini diharapkan dapat memberikan kontribusi, khususnya terhadap Bank BRI Syariah Cabang Abdul Muis. Untuk mendapatkan lebih banyak nasabah yang loyal, dan mempertahankan nasabah yang sudah dikatakan loyal terhadap Bank BRI Syariah. Objek dari penelitian ini adalah nasabah aktif Bank BRI Syariah. Data yang digunakan dalam penelitian ini adalah data primer, dan pengumpulan data dilakukan menggunakan kuesioner secara langsung dengan metode purposive sampling. Hasil penelitian menunjukan bahwa service quality, customer relationship management dan keunggulan produk tabungan berpengaruh terhadap loyalitas nasabah

Pengaruh Produk Domestik Bruto (PDB), Jumlah Bagi Hasil dan Jumlah Kantor terhadap Jumlah Deposito Muḍārabah Bank Syariah di Indonesia Periode 2011-2015

This study found the influence of Gross Domestic Product (GDP), the amount of profit sharing and the number of offices to the number of muḍārabah deposits of Islamic banks in Indonesia. The data used in this research is quarterly data from 2011-2015 period. The method of analysis used in this research is Data Panel Regression Analysis by using computer program Eviews version 9.0 and Microsoft Excel 2010. The results in this study indicate that partially Gross Domestic Product (GDP), the amount of profit sharing and the number of offices have a significant influence on the amount Muḍārabah deposits. This result is evidenced by a significant value of 0.0000 that is smaller than 0.05 and has a positive direction. So the greater of GDP, number of profit sharing and the number of offices, the greater number of muḍārabah deposits of Islamic banks in Indonesia.Penelitian ini menemukan adanya pengaruh Produk Domestik Bruto (PDB), jumlah bagi hasil dan jumlah kantor terhadap jumlah deposito muḍārabah bank syariah di Indonesia. Data yang digunakan dalam penelitian ini adalah data triwulan periode 2011-2015. Metode analisis yang digunakan dalam penelitian ini adalah Analisis Regresi Data Panel dengan menggunakan program komputer Eviews versi9.0 dan Microsoft Excel 2010. Hasil dalam penelitian ini menunjukkan bahwa secara parsial Produk Domestik Bruto (PDB), jumlah bagi hasil dan jumlah kantor memiliki pengaruh signifikan terhadap jumlah deposito muḍārabah. Hasil ini dibuktikan dengan nilai signifikan sebesar 0.0000 yaitu lebih kecil dari 0.05 dan memiliki arah positif. Sehingga semakin besar PDB, jumlah bagi hasil dan jumlah kantor, maka semakin besar pula jumlah deposito muḍārabah bank syariah di Indonesia

Pengaruh Produk Domestik Bruto (PDB), Jumlah Bagi Hasil dan Jumlah Kantor terhadap Jumlah Deposito Muḍārabah Bank Syariah di Indonesia Periode 2011-2015

This study found the influence of Gross Domestic Product (GDP), the amount of profit sharing and the number of offices to the number of muḍārabah deposits of Islamic banks in Indonesia. The data used in this research is quarterly data from 2011-2015 period. The method of analysis used in this research is Data Panel Regression Analysis by using computer program Eviews version 9.0 and Microsoft Excel 2010. The results in this study indicate that partially Gross Domestic Product (GDP), the amount of profit sharing and the number of offices have a significant influence on the amount Muḍārabah deposits. This result is evidenced by a significant value of 0.0000 that is smaller than 0.05 and has a positive direction. So the greater of GDP, number of profit sharing and the number of offices, the greater number of muḍārabah deposits of Islamic banks in Indonesia.Penelitian ini menemukan adanya pengaruh Produk Domestik Bruto (PDB), jumlah bagi hasil dan jumlah kantor terhadap jumlah deposito muḍārabah bank syariah di Indonesia. Data yang digunakan dalam penelitian ini adalah data triwulan periode 2011-2015. Metode analisis yang digunakan dalam penelitian ini adalah Analisis Regresi Data Panel dengan menggunakan program komputer Eviews versi9.0 dan Microsoft Excel 2010. Hasil dalam penelitian ini menunjukkan bahwa secara parsial Produk Domestik Bruto (PDB), jumlah bagi hasil dan jumlah kantor memiliki pengaruh signifikan terhadap jumlah deposito muḍārabah. Hasil ini dibuktikan dengan nilai signifikan sebesar 0.0000 yaitu lebih kecil dari 0.05 dan memiliki arah positif. Sehingga semakin besar PDB, jumlah bagi hasil dan jumlah kantor, maka semakin besar pula jumlah deposito muḍārabah bank syariah di Indonesia

PELAKSANAAN SHARIA COMPLIANCE PADA BANK SYARIAH (STUDI KASUS PADA BANK SYARIAH MANDIRI, JAKARTA)

The Implementation of Sharia Compliance at Islamic Bank (Case Study on Mandiri Syariah Bank, Jakarta). This study is aimed at finding out the controlling system and the implementation of supervision of compliance of Bank Indonesia (BI) and Sharia Supervisory Board toward the Mandiri Syariah Bank; how is theimplementation and its internal audit, what are the roles and responsibilities of the director of compliance for all stakeholders of compliance unit of Bank Syariah Mandiri. The design of this study is qualitative approach. The result shows that the system of supervision of compliance toward sharia has been done based on the rules. The functions of sharia by the director of compliance to all employees of Mandiri Syariah Bank normatively has been implemented in accordance with the principles of compliance, the compliance culture, management risk and the values of Mandiri Syariah Bank.The implementation of internal audit at Bank Syariah Mandiri has not been effective, the roles of compliance director and compliance unit were crucial in controling compliance culture to gain better achievements of Bank Syariah Mandir

THE EFFECT OF MULIA, AR-RUM, SHARIA-COMPLIANT BANK OF INDONESIA’S CERTIFICATE, INFLATION AND BI RATE ON SHARIA PAWNSHOP’S INCOME IN INDONESIA

This research aimed to analyze the effect of Mulia, Ar-Rum, Sharia-compliant Bank of Indonesia (sharia-compliant Bank of Indonesia)’s Certificate, Inflation and BI Rate on sharia pawnshop’s income in Indonesia during 2015-2017. Case study being the object of research was PT. Pegadaian (Persero). Secondary data derived from annual report published by Pegadaian (thereafter called Pawnshop). This study employed a multiple regression analysis method. The result of research showed that (1) Mulia financing affected significantly the income of Sharia pawnshop (thereafter, called Sharia pawnshop), (2) Ar-Rum Financing did not affect significantly the income of Sharia Pawnshop, (3) Sharia-compliant Bank of Indonesia’s Certificate did not affect significantly the income of Sharia pawnshop, and (4) inflation affected significantly the income of Sharia pawnshop and BI Rate affected Sharia pawnshop’s income significantl

Analisa Pengaruh Size Perusahaan, Capital Adequacy Ratio (CAR), Non Perfoming Financing (NPF), Return On Asset (ROA), Financing Deposit Ratio (FDR) Terhadap Pengungkapan Corporate Social Responsibility (CSR) Bank Umum Syariah di Indonesia Periode 2012-201

Abstract This study aimed to analyze the influence SizePerusahaan, Capital Adequacy Ratio (CAR), non performing Financing (NPF), Return on Assets (ROA), Financing to Deposit Ratio (FDR) on the disclosure of Corporate Social Responsibility (CSR) Islamic Banks in Indonesia period 2012- 2015. Corporate Social Responsibility (CSR) is a form of the company in its operations by focusing on economy, society and environment. The sample in this study amounted to 11 public Islamic Bank in this Indonesia.Penelitian panel regression analysis method. The model chosen in this study is the fixed effect model (fixed effect). Based on the analysis that has been done in getting results simultaneously all the independent variables are the size of the Bank, Capital Adequacy Ratio (CAR), non performing Financing (NPF), Return on Assets (ROA), Financing to Deposit Ratio (FDR) which affect the disclosure of CSR. However, the size of the company and Financing to Deposit Ratio (FDR) affect the Bank's CSR disclosure. Capital adequacy ratio (CAR), Non Performing Financing (NPF), return on assets (ROA) has no effect on the disclosure of CSR.  Keyword: Corporate Social Responsibility (CSR), Size, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return On Assets (ROA), Financing to Deposite Ratio (FDR).

THE EFFECT OF DISTRIBUTION FUNDS OF ZAKAT INFAQ SHADAQAH, SOCIAL ASSISTANCE EXPENDITURE, AND SUBSIDY EXPENDITURE ON POVERTY IN INDONESIA

This study aims to analyze the effect of the distribution funds of Zakat Infaq Shadaqah (ZIS), social assistance expenditure and subsidy expenditure on poverty in Indonesia 2013-2017 period. The sample from this study consisted of ZIS data obtained at the National Alms Agency (known as BAZNAS). Then social assistance expenditure and subsidy expenditure and the latest poverty data obtained at the Central Statistics Agency (BPS). In this research, the method used multiple linear regression analysis by testing classical assumptions. The results of this study are according to the results of the F test that the three independent variables (ZIS, social assistance expenditure and subsidy expenditure) have a simultaneous effect on the dependent variable (poverty) by having a significance value of 0,000, which means less than 0.05.Furthermore, it is supported by the results of the T-test that the three independent variables partially have a significant effect on the dependent variable, with a significance value in the ZIS variable was 0,000. Then, social assistance expenditure was 0.025.  The last, subsidy expenditure was 0,000. It means lower than 0.0

Analisis Faktor-Faktor yang Mempengaruhi Tingkat Bagi Hasil Simpanan Mudharabah pada Bank Umum Syariah Indonesia Studi Kasus pada Bank Umum Syariah di Indonesia Periode 2011-2015

This study aims to determine Analysis of Factors Affecting Level Sharing Mudharabah Savings On Islamic Banks partially or simultaneously on Bank Syariah period 2011-2015. The population in this study is the Islamic Banks operating in Indonesia 2011-2015. This study using purposive sampling method with variable FDR, NPF and inflation at the level of the results. After being selected, the target population amounted to 7 banks, among the BCA Syariah, BNI Syariah, BRI Syariah Bukopin Syariah Mandiri Syariah Muamalat, Panin Syariah. The analytical method used is the panel data regression. The model chosen is the Fixed Effects Model, then tested by t test and f with a significance level of 5%. Based on the test f note that in this study the variable financing to deposits ratio and non-performing financing and inflation simultaneously affect the level of revenue sharing sharia banks. Based on t test is known that in partial financing to deposits ratio, non-performing financning which have an influence on the level of revenue sharing sharia banks. Adjust R2 in this study indicate that all independent variables contributing as much as 51% on the dependent variable. The remaining 49% is influenced by other variables that do not exist in this study such as CAR, interest rate, economic growth

Analisa Pengaruh BOPO, Kecukupan Modal, Pembiayaan Bermasalah, Bagi Hasil Dan Profitabilitas Terhadap Simpanan Mudharabah Pada Bank Umum Syariah Periode 2011-2015

This study aims to determine the effect BOPO Effect Analysis, Capital Adequacy, Troubled Financing,Sharing and Profitability simultaneously and partially to rate Deposits at Commercial Bank SyariahMudharabah period 2011-2015. There are nine samples in this study who met the study criteria, namelyBank BCA Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank Muamalat Indonesia, Bank SyariahMandiri, Bank Mega Syariah, Bank Panin Syariah, Bank Syariah Bukopin and Bank BJB Syariah. Theanalytical tool used is a panel data regression analysis. The model chosen is Random Effect are tested by Ftest and t test, with significance level of 5%. Result of test F known that ROA, CAR, NPF, Sharing and ROAsimultaneously affect the Deposit Mudharabah Islamic Banks. Based on the test results t is known that,CAR does not affect the Deposit Mudharabah. ROA, NPF, Sharing and ROA significant positive effect onMudharabah Savings on Islamic Banks. Adjusted R Square in this study indicate that the variable ROA,CAR, NPF, Sharing and ROA in explaining the dependent variable Mudharabah Savings amounted to66.50% while the remaining 33.50% influenced by other independent variables that are not used in this study