This study aims to examine the influence of Islamic bank governance on the financing risk of Isla... more This study aims to examine the influence of Islamic bank governance on the financing risk of Islamic Commercial Banks in Indonesia. Sharia bank governance is proxied by the variables of the board of commissioners, audit committee, and sharia supervisory board (SSB). This study used panel data of Islamic commercial banks from 2015 to 2020 using purposive sampling. The data analysis technique used panel data regression through a fixed effect model. The test results show that the audit committee variable has a significant negative effect on the financing risk of Islamic commercial banks. Meanwhile, the board of commissioners and the SSB of the bank have no effect on the financing risk of Islamic commercial banks.
This study empirically aims to analyse the strengthening of corporate identity and governance per... more This study empirically aims to analyse the strengthening of corporate identity and governance performance on the sustainability of Islamic banking in Indonesia, the influence of corporate identity performance on Islamic banking governance in Indonesia, and the influence of the performance of corporate identity and governance on the sustainability of Islamic banking in Indonesia.Types of quantitative research with an ex-post facto research design.The research population of all Islamic banks in Indonesia included BMI, BSI, BMSI, and BSMI samples.The data were analysed using simple additive weighting techniques by modelling using PLS-SEM.The study's conclusions show that strengthening corporate identity performance and governance toward the sustainability of Islamic banking in Indonesia is carried out through regulations, policies, and Sharia compliance. Corporate identity performance positively and significantly affects Islamic banking governance in Indonesia. A company's management has no effect on the sustainability of Islamic banking in Indonesia. Islamic banks in Indonesia need to re-reflect on neglected social activities because they prioritise commercial activities too much, thus ignoring social activities, which are also at the core of bank activities as intermediary institutions and financial services.
Pinjaman Online oleh masyarakat Indonesia merupakan salah satu produk dari Financial Technology y... more Pinjaman Online oleh masyarakat Indonesia merupakan salah satu produk dari Financial Technology yang sedang berkembang di dunia. Ketidaktahuan masyarakat mengenai ini dimanfaatkan pelaku untuk mendapatkan keuntungan yang semakin besar, dan tidak segan-segan menggunakan cara kasar dalam proses penagihan. Oleh karena itu perlu adanya penjelasan mengenai pentingnya pengetahuan masyarakat terhadap perkembangan teknologi bidang ekonomi khususnya Pinjaman Online yang dirasa sangat memudahkan masyarakat karna persyaratan dan pencairan dana yang mudah, praktis dan cepat.Literasi atau sosialisasi mengenai masalah seperti ini dapat dilakukan secara sinergis Otoritas Jasa Keuangan selaku pemegang regulasi industry jasa keuangan. Berdasarkan fenomena tersebut penelitian ini dilakukan di lokasi yang memiliki tingkat pendidikan tinggi di Jawa Tengah dengan  tingkat ekonomi yang tinggi pula yaitu Kota Surakarta. Penelitian ini menggunakan metode kualitatif deskriptif dengan masyarakat yang berdomi...
This research aims to determine the implementation of the murabahah contract and musyarakah mutan... more This research aims to determine the implementation of the murabahah contract and musyarakah mutanaqisah on ownership financing  houses in Islamic Banks, as well as the use of musyarakah mutanaqisah contracts as financing product innovations house ownership with a qualitative method. The data in this study were obtained by interview,observation, and documentation. The data sources used are primary data and data secondary. Results from study proofs that the use of musyarakah mutanaqisah contract on home financing ownership in Islamic banks can be product innovation because its use is more flexible and can be used for various product financing. Whereas part big product home financing ownership in Islamic banks still uses a murabahah contract because of a fix installment. Otherwise, musyarakah mutanaqisah contract is an that should not be missed, although not familiar, this contract provides more benefits for the bank and convenience for the customer.
This study aims to determine the impact of product advantage, customer experience and trust on th... more This study aims to determine the impact of product advantage, customer experience and trust on the reputation of Bank Syariah Indonesia post-merger at Surakarta City. This research was quantitative with data analysis techniques using multiple linear regression. The sampling technique in this study was purposive sampling with certain criteria. The respondent in this study were 100 customers of Bank Syariah Indonesia at Surakarta City. The result found that product advantage has a positive and significant effect on company reputation, customer experience has a positive and significant effect on company reputation and trust has a positive and significant effect on Bank Syariah Indonesia reputation. This study provided a useful contribution to enrich the discourse on the impact of Islamic bank mergers, especially on the reputation of Islamic banks after the merger. This reputation will increase an optimistic sentiment for Bank Syariah Indonesia even in the negative growth of economic ca...
The existence of financial technology provides a new way for waqf practices in Indonesia. Waqf ca... more The existence of financial technology provides a new way for waqf practices in Indonesia. Waqf can not only be done by giving goods directly, but also through cash waqf transferred via e-banking service to nadzir. Cash Waqf or waqf with giving a cash money means money as an object for waqf which will be managed by Nadzir to get the results that will be given to the recipient of the waqf. As it is known that cash waqf expected to make it easier for Muslims. This study aim to measures the waqf preferences that are influenced by cash waqf services on e-banking, religiosity and income, and compares the waqif preferences for waqf directly and indirectly by using cash waqf services by banks through e-banking. The sample in this study amounted to 96 people who have donated to waqf in Surakarta taken by purposive sampling technique. Data collection was done by distributing questionnaires. This study uses multiple linear regression analysis techniques and data processing using the IBM SPSS S...
Pandemi covid-19 memberikan dampak yang cukup signifikan pada aktivitas sosial ekonomi pada masya... more Pandemi covid-19 memberikan dampak yang cukup signifikan pada aktivitas sosial ekonomi pada masyarakat, khususnya pada masyarakat dengan ekonomi menengah ke bawah. Pemanfaatan lahan pekarangan rumah tinggal untuk budidaya sayuran sebagai langkah alternatif untuk membantu pemenuhan sumber pangan dan pendapatan masyarakat pada masa pandemi covid-19 khususnya di dukuh Mojokerto RT 18/08, Dawungan, Masaran, Sragen. Metode pengumpulan data pada pengabdian ini dilakukan dengan observasi, wawancara dengan subjek pengabdian serta penelusuran studi pustaka. Metode pengabdian menggunakan Participatory Action Research (PAR). Analisis data dilakukan secara deskriptif dengan menggali dan memaparkan hasil pengabdian sehingga lebih mudah untuk dipahami dan disimpulkan. Pemanfaatan lahan pekarangan rumah terbukti sangat efektif untuk membantu pemenuhan sumber pangan dan pendapatan warga di dukuh Mojokerto khususnya pada pasa pandemi covid-19. Dampak positif dapat terlihat dalam bidang sosial ekonom...
The contribution of waqf as an instrument of Islamic philanthropy is seen as important in providi... more The contribution of waqf as an instrument of Islamic philanthropy is seen as important in providing social benefits in meeting the long-term needs of the ummah. The contribution of waqf cannot be separated from the existence of nadzir as a waqf manager. The existence of nadzir (waqf manager) is seen as the responsibility of the party responsible for the productivity of waqf assets previously not included in the terms and laws of traditional waqf in Indonesia. The purpose of this study was to analyze the existence and existence of nadzir in the perspective of waqf institutions in Indonesia. This research uses descriptive analytical method, using secondary data obtained from existing manuscript sources, one of the waqf laws. The data analysis in this study is based on a framework of four levels of institutional economy. The findings in this study are the institutionalization process of nadzir as an official institution in waqf management being analyzed using the four level of institut...
This paper was aimed at revealing the Egyptian Government's intervention in the management of... more This paper was aimed at revealing the Egyptian Government's intervention in the management of Al-Azharwaqf. The data was collected by interviewing officials at the Al-Azhar University in Egypt, officials at the Egyptian Ministry of Education, academics and Waqf researchers in Egypt. The results of this study indicated that Egyptian Government intervened and took over the management of Al-Azharwaqf by issuing laws related to waqf and its management from 1923 to 1971. The impact of the takeover of Al-Azharwaqf management by the State also made Al-Azhar was no longer economically independent and was held hostage by the government.
This paper aims to determine the differences bank performance of Muamalat BankBank Sinarmas Bank,... more This paper aims to determine the differences bank performance of Muamalat BankBank Sinarmas Bank, and BPRS Bhakti Sumekar measured by CAMELS (Capital, Asset, Management, Earning, Liquidity, Sensitivity to Market Risk) method and the RGEC (Risk profile, Good governance, Earning, Capital) method in 2018. The authors used quantitative methods with a descriptive approach. The sample taken in this study is a representation of Islamic commercial banks (Bank Muamalat), Islamic business unit banks (Bank Sinarmas Syariah), and Islamic microfinance banks (BPRS Bhakti Sumekar). The data used in this study are secondary data from the company's published financial report website and annual report. The Analysis techniques used are : 1) Bank Performance analysis using the CAMELS and RGEC methods. 2) Describe the differences in the measurement using the CAMELS and RGEC methods. Finding in this study is the RGEC is a more comprehensive method to measure Islamic bank performance than Camel. This ...
Artikel ini bertujuan untuk memberikan gambaran atau mendeskripsikan komponen-komponen yang harus... more Artikel ini bertujuan untuk memberikan gambaran atau mendeskripsikan komponen-komponen yang harus dipenuhi dalam membangun bisnis dengan ekosistem yang halal, baik dari segi proses atau produksi maupun dari sisi non produksi. Metodologi yang digunakan dalam artikel ini adalah metode kualitatif dengan pendekatan literature research atau literature review. Artikel ini menjelaskan atau mendeskripsikan beberapa hal yang harus diperhatikan dalam membangun bisnis dengan ekosistem halal, yaitu komponen keuangan (finance), produksi dan distribusi. Keuangan merupakan komponen yang berada di hulu dalam ekosistem bisnis halal. Produksi merupakan suatu proses pembuatan suatu produk berupa barang atau jasa yang akan menjadi produk bisnis halal. Ketika memproduksi barang atau jasa yang syariah, maka seluruh bahan baku dan prosesnya juga harus sesuai dengan standar halal. Distribusi merupakan komponen terakhir dalam halal supply chain ecosystem yang menyalurkan produk barang atau jasa serta menyaj...
Purpose of the study: This study aimed to examine the sincerity factor as the main motivation to ... more Purpose of the study: This study aimed to examine the sincerity factor as the main motivation to work for non-profit organizations, especially in waqf institutions. To be more specific, the paper examines the factor of sincerity influence commitment and professionalism. In Indonesia, the majority of waqf asset is used for mosques, prayer rooms, orphanages, tombs, schools include pesantren or Islamic boarding school. Methodology: This study uses a qualitative approach, interviews with 20 waqf practitioners (Nadzir) both as top leaders and implementers in pesantren or Islamic boarding school. The set of the location of this study was taken at Java and Madura, based on data from the Indonesian Ministry of Religious Affairs most of the Islamic boarding schools in Indonesia are located on this island. The criteria for Islamic Boarding School which are the objects of this study are having assets above 50 billion rupiahs (3,6 million USD). Main Findings: Based on the interviews with the wa...
This study aims to examine the influence of Islamic bank governance on the financing risk of Isla... more This study aims to examine the influence of Islamic bank governance on the financing risk of Islamic Commercial Banks in Indonesia. Sharia bank governance is proxied by the variables of the board of commissioners, audit committee, and sharia supervisory board (SSB). This study used panel data of Islamic commercial banks from 2015 to 2020 using purposive sampling. The data analysis technique used panel data regression through a fixed effect model. The test results show that the audit committee variable has a significant negative effect on the financing risk of Islamic commercial banks. Meanwhile, the board of commissioners and the SSB of the bank have no effect on the financing risk of Islamic commercial banks.
This study empirically aims to analyse the strengthening of corporate identity and governance per... more This study empirically aims to analyse the strengthening of corporate identity and governance performance on the sustainability of Islamic banking in Indonesia, the influence of corporate identity performance on Islamic banking governance in Indonesia, and the influence of the performance of corporate identity and governance on the sustainability of Islamic banking in Indonesia.Types of quantitative research with an ex-post facto research design.The research population of all Islamic banks in Indonesia included BMI, BSI, BMSI, and BSMI samples.The data were analysed using simple additive weighting techniques by modelling using PLS-SEM.The study's conclusions show that strengthening corporate identity performance and governance toward the sustainability of Islamic banking in Indonesia is carried out through regulations, policies, and Sharia compliance. Corporate identity performance positively and significantly affects Islamic banking governance in Indonesia. A company's management has no effect on the sustainability of Islamic banking in Indonesia. Islamic banks in Indonesia need to re-reflect on neglected social activities because they prioritise commercial activities too much, thus ignoring social activities, which are also at the core of bank activities as intermediary institutions and financial services.
Pinjaman Online oleh masyarakat Indonesia merupakan salah satu produk dari Financial Technology y... more Pinjaman Online oleh masyarakat Indonesia merupakan salah satu produk dari Financial Technology yang sedang berkembang di dunia. Ketidaktahuan masyarakat mengenai ini dimanfaatkan pelaku untuk mendapatkan keuntungan yang semakin besar, dan tidak segan-segan menggunakan cara kasar dalam proses penagihan. Oleh karena itu perlu adanya penjelasan mengenai pentingnya pengetahuan masyarakat terhadap perkembangan teknologi bidang ekonomi khususnya Pinjaman Online yang dirasa sangat memudahkan masyarakat karna persyaratan dan pencairan dana yang mudah, praktis dan cepat.Literasi atau sosialisasi mengenai masalah seperti ini dapat dilakukan secara sinergis Otoritas Jasa Keuangan selaku pemegang regulasi industry jasa keuangan. Berdasarkan fenomena tersebut penelitian ini dilakukan di lokasi yang memiliki tingkat pendidikan tinggi di Jawa Tengah dengan  tingkat ekonomi yang tinggi pula yaitu Kota Surakarta. Penelitian ini menggunakan metode kualitatif deskriptif dengan masyarakat yang berdomi...
This research aims to determine the implementation of the murabahah contract and musyarakah mutan... more This research aims to determine the implementation of the murabahah contract and musyarakah mutanaqisah on ownership financing  houses in Islamic Banks, as well as the use of musyarakah mutanaqisah contracts as financing product innovations house ownership with a qualitative method. The data in this study were obtained by interview,observation, and documentation. The data sources used are primary data and data secondary. Results from study proofs that the use of musyarakah mutanaqisah contract on home financing ownership in Islamic banks can be product innovation because its use is more flexible and can be used for various product financing. Whereas part big product home financing ownership in Islamic banks still uses a murabahah contract because of a fix installment. Otherwise, musyarakah mutanaqisah contract is an that should not be missed, although not familiar, this contract provides more benefits for the bank and convenience for the customer.
This study aims to determine the impact of product advantage, customer experience and trust on th... more This study aims to determine the impact of product advantage, customer experience and trust on the reputation of Bank Syariah Indonesia post-merger at Surakarta City. This research was quantitative with data analysis techniques using multiple linear regression. The sampling technique in this study was purposive sampling with certain criteria. The respondent in this study were 100 customers of Bank Syariah Indonesia at Surakarta City. The result found that product advantage has a positive and significant effect on company reputation, customer experience has a positive and significant effect on company reputation and trust has a positive and significant effect on Bank Syariah Indonesia reputation. This study provided a useful contribution to enrich the discourse on the impact of Islamic bank mergers, especially on the reputation of Islamic banks after the merger. This reputation will increase an optimistic sentiment for Bank Syariah Indonesia even in the negative growth of economic ca...
The existence of financial technology provides a new way for waqf practices in Indonesia. Waqf ca... more The existence of financial technology provides a new way for waqf practices in Indonesia. Waqf can not only be done by giving goods directly, but also through cash waqf transferred via e-banking service to nadzir. Cash Waqf or waqf with giving a cash money means money as an object for waqf which will be managed by Nadzir to get the results that will be given to the recipient of the waqf. As it is known that cash waqf expected to make it easier for Muslims. This study aim to measures the waqf preferences that are influenced by cash waqf services on e-banking, religiosity and income, and compares the waqif preferences for waqf directly and indirectly by using cash waqf services by banks through e-banking. The sample in this study amounted to 96 people who have donated to waqf in Surakarta taken by purposive sampling technique. Data collection was done by distributing questionnaires. This study uses multiple linear regression analysis techniques and data processing using the IBM SPSS S...
Pandemi covid-19 memberikan dampak yang cukup signifikan pada aktivitas sosial ekonomi pada masya... more Pandemi covid-19 memberikan dampak yang cukup signifikan pada aktivitas sosial ekonomi pada masyarakat, khususnya pada masyarakat dengan ekonomi menengah ke bawah. Pemanfaatan lahan pekarangan rumah tinggal untuk budidaya sayuran sebagai langkah alternatif untuk membantu pemenuhan sumber pangan dan pendapatan masyarakat pada masa pandemi covid-19 khususnya di dukuh Mojokerto RT 18/08, Dawungan, Masaran, Sragen. Metode pengumpulan data pada pengabdian ini dilakukan dengan observasi, wawancara dengan subjek pengabdian serta penelusuran studi pustaka. Metode pengabdian menggunakan Participatory Action Research (PAR). Analisis data dilakukan secara deskriptif dengan menggali dan memaparkan hasil pengabdian sehingga lebih mudah untuk dipahami dan disimpulkan. Pemanfaatan lahan pekarangan rumah terbukti sangat efektif untuk membantu pemenuhan sumber pangan dan pendapatan warga di dukuh Mojokerto khususnya pada pasa pandemi covid-19. Dampak positif dapat terlihat dalam bidang sosial ekonom...
The contribution of waqf as an instrument of Islamic philanthropy is seen as important in providi... more The contribution of waqf as an instrument of Islamic philanthropy is seen as important in providing social benefits in meeting the long-term needs of the ummah. The contribution of waqf cannot be separated from the existence of nadzir as a waqf manager. The existence of nadzir (waqf manager) is seen as the responsibility of the party responsible for the productivity of waqf assets previously not included in the terms and laws of traditional waqf in Indonesia. The purpose of this study was to analyze the existence and existence of nadzir in the perspective of waqf institutions in Indonesia. This research uses descriptive analytical method, using secondary data obtained from existing manuscript sources, one of the waqf laws. The data analysis in this study is based on a framework of four levels of institutional economy. The findings in this study are the institutionalization process of nadzir as an official institution in waqf management being analyzed using the four level of institut...
This paper was aimed at revealing the Egyptian Government's intervention in the management of... more This paper was aimed at revealing the Egyptian Government's intervention in the management of Al-Azharwaqf. The data was collected by interviewing officials at the Al-Azhar University in Egypt, officials at the Egyptian Ministry of Education, academics and Waqf researchers in Egypt. The results of this study indicated that Egyptian Government intervened and took over the management of Al-Azharwaqf by issuing laws related to waqf and its management from 1923 to 1971. The impact of the takeover of Al-Azharwaqf management by the State also made Al-Azhar was no longer economically independent and was held hostage by the government.
This paper aims to determine the differences bank performance of Muamalat BankBank Sinarmas Bank,... more This paper aims to determine the differences bank performance of Muamalat BankBank Sinarmas Bank, and BPRS Bhakti Sumekar measured by CAMELS (Capital, Asset, Management, Earning, Liquidity, Sensitivity to Market Risk) method and the RGEC (Risk profile, Good governance, Earning, Capital) method in 2018. The authors used quantitative methods with a descriptive approach. The sample taken in this study is a representation of Islamic commercial banks (Bank Muamalat), Islamic business unit banks (Bank Sinarmas Syariah), and Islamic microfinance banks (BPRS Bhakti Sumekar). The data used in this study are secondary data from the company's published financial report website and annual report. The Analysis techniques used are : 1) Bank Performance analysis using the CAMELS and RGEC methods. 2) Describe the differences in the measurement using the CAMELS and RGEC methods. Finding in this study is the RGEC is a more comprehensive method to measure Islamic bank performance than Camel. This ...
Artikel ini bertujuan untuk memberikan gambaran atau mendeskripsikan komponen-komponen yang harus... more Artikel ini bertujuan untuk memberikan gambaran atau mendeskripsikan komponen-komponen yang harus dipenuhi dalam membangun bisnis dengan ekosistem yang halal, baik dari segi proses atau produksi maupun dari sisi non produksi. Metodologi yang digunakan dalam artikel ini adalah metode kualitatif dengan pendekatan literature research atau literature review. Artikel ini menjelaskan atau mendeskripsikan beberapa hal yang harus diperhatikan dalam membangun bisnis dengan ekosistem halal, yaitu komponen keuangan (finance), produksi dan distribusi. Keuangan merupakan komponen yang berada di hulu dalam ekosistem bisnis halal. Produksi merupakan suatu proses pembuatan suatu produk berupa barang atau jasa yang akan menjadi produk bisnis halal. Ketika memproduksi barang atau jasa yang syariah, maka seluruh bahan baku dan prosesnya juga harus sesuai dengan standar halal. Distribusi merupakan komponen terakhir dalam halal supply chain ecosystem yang menyalurkan produk barang atau jasa serta menyaj...
Purpose of the study: This study aimed to examine the sincerity factor as the main motivation to ... more Purpose of the study: This study aimed to examine the sincerity factor as the main motivation to work for non-profit organizations, especially in waqf institutions. To be more specific, the paper examines the factor of sincerity influence commitment and professionalism. In Indonesia, the majority of waqf asset is used for mosques, prayer rooms, orphanages, tombs, schools include pesantren or Islamic boarding school. Methodology: This study uses a qualitative approach, interviews with 20 waqf practitioners (Nadzir) both as top leaders and implementers in pesantren or Islamic boarding school. The set of the location of this study was taken at Java and Madura, based on data from the Indonesian Ministry of Religious Affairs most of the Islamic boarding schools in Indonesia are located on this island. The criteria for Islamic Boarding School which are the objects of this study are having assets above 50 billion rupiahs (3,6 million USD). Main Findings: Based on the interviews with the wa...
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