This study aims to examine the effect of Islamic Corporate Governance on the financial performance of Islamic banks in 2012-2016. The Islamic Corporate Governance area is proxied by the board of commissioners size, Audit Committee Size, Sharia Supervisory Board Size, and frequency of Sharia Supervisory Board meetings. The object of research is Islamic banks in 2012-2016. Sampling technique is judgment sampling, members of the population that meet the criteria are used as samples. The entire sample was taken from 10 Islamic banks. Hypothesis testing techniques use multiple regression analysis. The results of the F test show that all independent variables simultaneously influence financial performance. Based on the results of the t test it can be concluded that the frequency of sharia supervisory board meetings and the size of the audit committee positively influences the financial performance of Islamic banks. While the size of the area and the age of the area does not affect the Financial Performance.
{"title":"Islamic Corporate Governance and Islamic Banking Financial Performance","authors":"M. Kusuma, S. Rosadi","doi":"10.22515/JFIB.V1I2.1493","DOIUrl":"https://doi.org/10.22515/JFIB.V1I2.1493","url":null,"abstract":"This study aims to examine the effect of Islamic Corporate Governance on the financial performance of Islamic banks in 2012-2016. The Islamic Corporate Governance area is proxied by the board of commissioners size, Audit Committee Size, Sharia Supervisory Board Size, and frequency of Sharia Supervisory Board meetings. The object of research is Islamic banks in 2012-2016. Sampling technique is judgment sampling, members of the population that meet the criteria are used as samples. The entire sample was taken from 10 Islamic banks. Hypothesis testing techniques use multiple regression analysis. The results of the F test show that all independent variables simultaneously influence financial performance. Based on the results of the t test it can be concluded that the frequency of sharia supervisory board meetings and the size of the audit committee positively influences the financial performance of Islamic banks. While the size of the area and the age of the area does not affect the Financial Performance.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"255 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-02-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73074107","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
One indicator of poverty in a country is still low access to financial facilities to the community. Therefore, a program of massive financial inclusion is currently being campaigned. Financial inclusion is a program that provides easy access to finance (savings and financing) to the community so that it can improve welfare. This study analyzes the part of financial inclusion, namely the influence of the amount of credit and deposits/investments on household income, household consumption expenditure, and household living facilities. The data is taken from the Indonesian Family Life Survey in the period 2000, 2007 and 2014. This research uses panel data regression analysis. The results of the study found that (a) there is a significant effect of the amount of credit on household income, (b) there is a significant influence on the amount of credit and savings/investments on household consumption expenditures, and (c) there is no significant effect on the amount of credit and savings or investment household residence facilities.
{"title":"Impact of Financial Inclusion for Welfare : Analyze to Household Level","authors":"Multazam Mansyur Addury","doi":"10.22515/JFIB.V1I2.1450","DOIUrl":"https://doi.org/10.22515/JFIB.V1I2.1450","url":null,"abstract":"One indicator of poverty in a country is still low access to financial facilities to the community. Therefore, a program of massive financial inclusion is currently being campaigned. Financial inclusion is a program that provides easy access to finance (savings and financing) to the community so that it can improve welfare. This study analyzes the part of financial inclusion, namely the influence of the amount of credit and deposits/investments on household income, household consumption expenditure, and household living facilities. The data is taken from the Indonesian Family Life Survey in the period 2000, 2007 and 2014. This research uses panel data regression analysis. The results of the study found that (a) there is a significant effect of the amount of credit on household income, (b) there is a significant influence on the amount of credit and savings/investments on household consumption expenditures, and (c) there is no significant effect on the amount of credit and savings or investment household residence facilities.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"1995 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-02-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82431062","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Islamic banking is growing rapidly and currently are operating in about half of the world countries. In the current study, factors that contribute to taking out a personal finance from full-fledged Islamic banks in Saudi Arabia were investigated. To achieve the study objective, customers (269) of full-fledged Islamic banks from Almadinah city were surveyed using self-administered questionnaire. About 53% of the sample reported taking out a personal finance from Islamic banks. The purpose of taking personal finance was consumption and investment in 90% and 10% of the cases respectively. Regression analysis showed that age, social status, type of employment, satisfaction level and adherence to Islamic principles were associated with taking out a personal finance. The results provide feedback to the Islamic banks in Almadinah to improve personal financing programs.
{"title":"Factors Associated with Taking out a Personal Finance from Islamic Banks: A Study from Almadinah, Saudi Arabia","authors":"Wesal M. Aldarabseh","doi":"10.15640/jibf.v7n1a3","DOIUrl":"https://doi.org/10.15640/jibf.v7n1a3","url":null,"abstract":"Islamic banking is growing rapidly and currently are operating in about half of the world countries. In the current study, factors that contribute to taking out a personal finance from full-fledged Islamic banks in Saudi Arabia were investigated. To achieve the study objective, customers (269) of full-fledged Islamic banks from Almadinah city were surveyed using self-administered questionnaire. About 53% of the sample reported taking out a personal finance from Islamic banks. The purpose of taking personal finance was consumption and investment in 90% and 10% of the cases respectively. Regression analysis showed that age, social status, type of employment, satisfaction level and adherence to Islamic principles were associated with taking out a personal finance. The results provide feedback to the Islamic banks in Almadinah to improve personal financing programs.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67167332","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The study aims to assessment the financial performance (FP) of Islamic Commercial Banks (ICBs) in Sudan under credit risk (CR) and inflation pressures (1995-2017). Data were collected from the annual reports of the Central Bank of Sudan (CBOS). Unit root test were applied. Ordinary least square method were used to determine the direction of the relations between the FP measured by return on assets (ROA) as indicator the dependent variable and the following independents variables: ratio of nonperforming loan to total finance, ratio of provision finance by murabaha mode to total finance, capital adequacy ratio and inflation rate were used as indicators the CR. The results found that the CR indicators are negatively affecting the FP of ICBs. The study recommends that ICBs should not totally rely on collateral as a reason for expanding the provision of finance in murabaha mode as the market value of collateral might decrease against the finance. CBOS should adopt contractionary monetary policy to reduce inflation. Moreover, implementation of Basel Accord to support ability of the regulatory capital of ICBs to cope with CR.
{"title":"Assessment of the Financial Performance of Islamic Commercial Banks in Sudan under Credit Risk and Inflation Pressures (1995-2017)","authors":"O. Mustafa","doi":"10.15640/jibf.v7n1a2","DOIUrl":"https://doi.org/10.15640/jibf.v7n1a2","url":null,"abstract":"The study aims to assessment the financial performance (FP) of Islamic Commercial Banks (ICBs) in Sudan under credit risk (CR) and inflation pressures (1995-2017). Data were collected from the annual reports of the Central Bank of Sudan (CBOS). Unit root test were applied. Ordinary least square method were used to determine the direction of the relations between the FP measured by return on assets (ROA) as indicator the dependent variable and the following independents variables: ratio of nonperforming loan to total finance, ratio of provision finance by murabaha mode to total finance, capital adequacy ratio and inflation rate were used as indicators the CR. The results found that the CR indicators are negatively affecting the FP of ICBs. The study recommends that ICBs should not totally rely on collateral as a reason for expanding the provision of finance in murabaha mode as the market value of collateral might decrease against the finance. CBOS should adopt contractionary monetary policy to reduce inflation. Moreover, implementation of Basel Accord to support ability of the regulatory capital of ICBs to cope with CR.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67167295","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Determinants of Efficiency of the Islamic Banks of Bangladesh during 2008-2012","authors":"A. Samad","doi":"10.15640/jibf.v7n1a1","DOIUrl":"https://doi.org/10.15640/jibf.v7n1a1","url":null,"abstract":"","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67167282","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Office channeling is one way to boost the growth of sharia banking industry significantly. Banks expect customers' knowledge of office channelling to increase the interest of customers in saving in a sharia bank. This study analyzed how far the influence of customer knowledge of office channeling to the interest of saving. The data is primary from interviewing to 100 customers BRI Kartasura whose savings by a questionnaire. The respondents chosen by random from total 43.985 customers till December 2016. Technique of analyzing the data used Simple Regression. The result of this research showed the Customer Knowledge to office channeling had a positive and significant effect on interest in saving in Sharia Bank. The research gives a contribution to (a) academician; as an evidence of theory, (b) Sharia Bank; good information to increase socialization to customers about office channeling.
{"title":"Peningkatan Minat Menabung di Bank Syariah melalui Program Office Channeling","authors":"Yuliana Siti Chotifah","doi":"10.22515/JFIB.V1I1.732","DOIUrl":"https://doi.org/10.22515/JFIB.V1I1.732","url":null,"abstract":"Office channeling is one way to boost the growth of sharia banking industry significantly. Banks expect customers' knowledge of office channelling to increase the interest of customers in saving in a sharia bank. This study analyzed how far the influence of customer knowledge of office channeling to the interest of saving. The data is primary from interviewing to 100 customers BRI Kartasura whose savings by a questionnaire. The respondents chosen by random from total 43.985 customers till December 2016. Technique of analyzing the data used Simple Regression. The result of this research showed the Customer Knowledge to office channeling had a positive and significant effect on interest in saving in Sharia Bank. The research gives a contribution to (a) academician; as an evidence of theory, (b) Sharia Bank; good information to increase socialization to customers about office channeling.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"15 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-08-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73134462","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study analyzes the factors affecting Non-Performing Financing (NPF) in the sharia bank in Indonesia. The independent variable in this research uses microeconomic variables such as Capital Adequacy Ratio (CAR), Return on Assets (ROA), Financing to Deposit Ratio (FDR), Productive Financing Ratio (PFR), and Earning Asset Quality (EAQ). The sample used in this research is all population of Sharia Commercial Bank in Indonesia. The data used in this study were obtained from the Sharia Banking Statistics Report issued by the Financial Services Authority (Otoritas Jasa Keuangan - OJK) with the observation period from 2015 to 2017. The results showed that simultaneously CAR, ROA, FDR, PFR, and EAQ significantly influence NPF. Partially only variable FDR and EAQ which have the positive and significant influence to NPF, while CAR, ROA, and PFR has no significant effect on NPF.
{"title":"Identification of Non Performing Financing Alteration Measured by Microeconomic Variable Sharia Banking","authors":"Ana Zahrotun Nihayah, Sri Walyoto","doi":"10.22515/JFIB.V1I1.1245","DOIUrl":"https://doi.org/10.22515/JFIB.V1I1.1245","url":null,"abstract":"This study analyzes the factors affecting Non-Performing Financing (NPF) in the sharia bank in Indonesia. The independent variable in this research uses microeconomic variables such as Capital Adequacy Ratio (CAR), Return on Assets (ROA), Financing to Deposit Ratio (FDR), Productive Financing Ratio (PFR), and Earning Asset Quality (EAQ). The sample used in this research is all population of Sharia Commercial Bank in Indonesia. The data used in this study were obtained from the Sharia Banking Statistics Report issued by the Financial Services Authority (Otoritas Jasa Keuangan - OJK) with the observation period from 2015 to 2017. The results showed that simultaneously CAR, ROA, FDR, PFR, and EAQ significantly influence NPF. Partially only variable FDR and EAQ which have the positive and significant influence to NPF, while CAR, ROA, and PFR has no significant effect on NPF.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-08-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"91324480","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Customer trust is one of the keys for BMT to raise funds in Mudharaba savings. Many factors to influence the trust of these customers. Among them are sharia marketing, service excellence and reputation. This study analyzes the influence of the three factors on customer trust to save their fund in mudharaba savings. This research collected interview results to 75 Customer Mudharaba savings in BMT Zam Zam Sragen with questionnaire. The data had been analyzed by multiple linear regression analysis using SPSS for Windows Release 23.0. The results show that Customer Trust to save in Mudharabah savings is positively and significantly affected by sharia marketing and service excellence and reputation. The research gives a contribution to (a) academician; as an evidence of theory, (b) BMT; information to analyze the factors that affect Costumer Trust to save their fund in Mudharaba savings.
客户信任是BMT在穆达拉巴省筹集资金的关键之一。影响这些客户信任的因素很多。其中包括伊斯兰教营销、卓越服务和声誉。本研究分析了三个因素对客户信任的影响，以节省他们的资金在mudharaba储蓄。本研究以问卷调查的方式，收集了75位BMT赞赞公司客户Mudharaba储蓄的访谈结果。采用SPSS for Windows Release 23.0进行多元线性回归分析。结果表明，顾客对慕达拉巴省储蓄的信任受到伊斯兰教法营销、服务卓越性和声誉的积极显著影响。该研究对(a)院士;作为理论证据，(b) BMT;信息分析影响客户信任的因素，以节省他们的资金在木达拉巴储蓄。
{"title":"Peningkatan Kepercayaan Nasabah Tabungan Mudharabah melalui Pendekatan Syariah Marketing, Service Excellence, dan Reputasi","authors":"Anis Halimah","doi":"10.22515/jfib.v1i1.727","DOIUrl":"https://doi.org/10.22515/jfib.v1i1.727","url":null,"abstract":"Customer trust is one of the keys for BMT to raise funds in Mudharaba savings. Many factors to influence the trust of these customers. Among them are sharia marketing, service excellence and reputation. This study analyzes the influence of the three factors on customer trust to save their fund in mudharaba savings. This research collected interview results to 75 Customer Mudharaba savings in BMT Zam Zam Sragen with questionnaire. The data had been analyzed by multiple linear regression analysis using SPSS for Windows Release 23.0. The results show that Customer Trust to save in Mudharabah savings is positively and significantly affected by sharia marketing and service excellence and reputation. The research gives a contribution to (a) academician; as an evidence of theory, (b) BMT; information to analyze the factors that affect Costumer Trust to save their fund in Mudharaba savings.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"25 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-08-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73435603","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Sharia credits card has become a lifestyle of modern economy society in non-cash transactions. The use of sharia credit cards always raising period to period with various factors. These factors include trust, attitude, and income. The purpose of this study wants to determine the effects of trust, attitude, and income on interested in using sharia credit card. The study uses primary data from interviews with 38 lecturers of FEBI IAIN Surakarta which selected by boring sampling technique. The data had been analyzed by multiple linear regression. The result shows that each is of trust, attitude, and income affect positively and significantly to interested in using sharia credit card. The research gives a contribution to (a) academician; as an evidence of theory, (b) Sharia Bank; information to analyze the factors that affect to interested in using sharia credits.
{"title":"Peningkatan Minat Penggunaan Kartu Kredit Syariah Melalui Pendekatan Kepercayaan, Sikap, dan Pendapatan","authors":"Aprillia Russetyowati","doi":"10.22515/JFIB.V1I1.728","DOIUrl":"https://doi.org/10.22515/JFIB.V1I1.728","url":null,"abstract":"Sharia credits card has become a lifestyle of modern economy society in non-cash transactions. The use of sharia credit cards always raising period to period with various factors. These factors include trust, attitude, and income. The purpose of this study wants to determine the effects of trust, attitude, and income on interested in using sharia credit card. The study uses primary data from interviews with 38 lecturers of FEBI IAIN Surakarta which selected by boring sampling technique. The data had been analyzed by multiple linear regression. The result shows that each is of trust, attitude, and income affect positively and significantly to interested in using sharia credit card. The research gives a contribution to (a) academician; as an evidence of theory, (b) Sharia Bank; information to analyze the factors that affect to interested in using sharia credits.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"49 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-08-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75308413","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Indonesia has great potential for Islamic insurance (takaful) based on the ratio of GDP. But still very few Indonesians, who have used Islamic insurance as a form of risk management and financial planning. This can be seen from the data, Indonesia has low literacy index and financial inclusion, mainly on conventional insurance (15.8% literacy, 12.1% inclusion) and Islamic insurance (2.51% literacy, 1.92 inclusions). This study aims to reveal why the low of Islamic insurance acceptance in Indonesia. This research uses a quantitative method, using the Theory of Reasoned Action Approach (TRA). The TRA construct identifies the effect of Attitude and Subjective Norms on Behavior through Intention. TRA constructs can be measured using the Structural Equation Modeling method with Partial Least Square (SEM-PLS). The results found that acceptance of Islamic insurance is influenced by attitude and subjective norms. Technically, either directly or indirectly, attitude variables affect the behavior through intention (sig. 0,000) or subjective norms variable affect to behavior through intention (Sig. 0,003
{"title":"The Determinant of Takaful Acceptance: Theory of Reasoned Action Approach","authors":"Fuad Hasyim","doi":"10.22515/JFIB.V1I1.1246","DOIUrl":"https://doi.org/10.22515/JFIB.V1I1.1246","url":null,"abstract":"Indonesia has great potential for Islamic insurance (takaful) based on the ratio of GDP. But still very few Indonesians, who have used Islamic insurance as a form of risk management and financial planning. This can be seen from the data, Indonesia has low literacy index and financial inclusion, mainly on conventional insurance (15.8% literacy, 12.1% inclusion) and Islamic insurance (2.51% literacy, 1.92 inclusions). This study aims to reveal why the low of Islamic insurance acceptance in Indonesia. This research uses a quantitative method, using the Theory of Reasoned Action Approach (TRA). The TRA construct identifies the effect of Attitude and Subjective Norms on Behavior through Intention. TRA constructs can be measured using the Structural Equation Modeling method with Partial Least Square (SEM-PLS). The results found that acceptance of Islamic insurance is influenced by attitude and subjective norms. Technically, either directly or indirectly, attitude variables affect the behavior through intention (sig. 0,000) or subjective norms variable affect to behavior through intention (Sig. 0,003","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"58 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-08-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"85170232","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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