Penelitian ini membahas tentang hubungan governansi syariah dan tingkat risiko kredit di bank syariah. Unsur governansi yang digunakan adalah jumlah anggota dewan direksi dan dewan komisaris, proporsi komisaris independen, tingkat kepemilikan manajer, tingkat kepemilikan saham institusi, jumlah komite audit, jumlah dewan pengawas syariah, dan kompetensi dari anggota dewan pengawas syariah serta…
Banks have tried to compensate for the decline in their profits due to increased competition by shifting their focus toward non-intermediation activities. This paper assesses the impact of these non-intermediation activities on the profitability and risk of Islamic and conventional banks in Indonesia. We use a system generalized method of moments estimator to control for the simultaneity for al…
This paper provides new empirical evidence of the bank stability in relation to the macroeconomic indicator of Indonesia. The bank stability is first calculated using Z-score, and then regressed using Autoregressive distributive lag (ARDL) model on the macroeconomic variables i.e. Gross Domestic Product (GDP) in US dollar, Interest rates (IR) in percentage and Consumer Price Index (CPI). To ana…
The interaction of social norms and incentives is a subject of growing interest in economic literature. Basov and Bhatti (2013) pointed out that invoking a social norm is both a blessing, since it allows mitigating moral hazard problem, and a curse, since it restricts the class of admissible contractual arrangements. In this paper, we reiterate this point using particular example of the effects…
This study examines the relationship between board independence and CSR expenditures on education, health and human and disaster relief for the case of Islamic banks in Bangladesh, using unbalanced panel data from 2010 to 2020, the results indicate that board independence is positively and significantly associated with CSR expenditures on education and human and disaster rel…
This study aims to analyse the challenges to the dual banking system during times of macroeconomic fluctuation. Using the default probability mapping method and macroeconomic stress testing, we measure the stability of the financial system by credit calculation. In addition, by using the stress test method, we are able to find information regarding the characteristics of the financial system …
Malaysia is a well-known Islamic finance hub with a growth trend in its Islamic financial assets. The growth of the Malaysian economy since independence has also been commendable, with a rising contribution from Islamic banking and finance. This study offers a different perspective by undertaking a sectoral analysis on the impact of Islamic banks in Malaysia. It aims to fill the gap in the lite…
This study examines how the characteristics and quality of Shari’a supervisory board (SSB) influence the insolvency risk of Islamic banks. It employs unbalanced panel data of 43 Islamic banks in 15 countries between 2010 and 2020, which are hand-collected from the banks’ annual reports. The results indicate that the SSB quality index, SSB Islamic finance professional expertise and SSB compe…
Risk Management for Islamic Banks: Recent Developments from Asia and the Middle East analyzes risk management strategies in Islamic banking, presented from the perspectives of different banking institutions. Using comprehensive global case studies, the book details the risks involving various banking institutions in Indonesia, Malaysia, UAE, Bahrain, Pakistan, and Saudi Arabia, pointing out the…
Includes bibliographies, index and tables
Permasalahan kemiskinan dan ketimpangan pendapatan mencakup baik aspek ekonomi dan aspek sosial terkait masalah pembangunan manusia. Inklusi keuangan, terutama perbankan syariah, diharapkan dapat meningkatkan kapabilitas dan kualitas sumber daya manusia yang juga dapat mengurangi level kemiskinan dan kesenjangan pendapatan. Studi ini bertujuan untuk mengetahui peran inklusi keuangan syariah dal…
Ada bibliografi dan indek
Penelitian ini menganalisis pengaruh faktor sosial dan makro ekonomi terhadap performa keuangan bank syariah di 10 negara (2021-2023). Sampel mencakup 27 Bank Syariah dari 10 Negara urutan teratas dari skor IFCI tahun 2022. Metode data panel efek tetap dan efek acak diterapkan pada penelitian ini. Hasil menunjukkan FDR dan angka kemiskinan berkorelasi signifikan secara positif, sedangkan FDI d…
Studi ini bertujuan untuk melihat pengaruh yang diberikan oleh faktor pembiayaan yang terdiri atas 6 akad pembiayaan yaitu akad mudharabah, musyarakah, murabahah, qardh, ijarah, dan istishna; faktor diversifikasi kredit berdasarkan sektor ekonomi; dan faktor kondisi makroekonomi yaitu pertumbuhan GDP, Inflasi dan Interest rate terhadap risiko kredit yang di proxy kan dengan Non-Performing Finan…
Meskipun telah berkembang selama lebih dari 30 tahun, pangsa pasar bank syariah di Indonesia masih sangat rendah dibandingkan dengan bank konvensional. Untuk itu, diperlukan peningkatan jumlah nasabah dengan cara menarik nasabah baru, salah satunya dengan menggunakan pemasaran. Meskipun sudah banyak penelitian yang membahas faktor-faktor yang mempengaruhi penggunaan bank syariah, belum banyak p…
Penelitian ini bertujuan untuk membuktikan pengaruh tingkat kepatuhan syariah bank syariah di Asia terhadap kinerja keuangan dan market share. Sampel penelitian merupakan 62 bank syariah yang berada di Asia dengan tahun pengamatan 2016 hingga 2018. Penelitian ini menggunakan metode kuantitatif deskriptif. Penelitian ini membuktikan bahwa rata-rata tingkat kepatuhan syariah bank syariah di Asia …
This study aims to analyze the impacts of cost efficiency, COVID-19 pandemic, bank type (islamic or conventional), and bank ownership type on liquidity creation. This study used 78 banks from Indonesia banking industry with monthly data from period of before and after pandemic from January 2019 to April 2022. This study also analyze the role of pandemic COVID-19 as a moderating variable to the …
This study aims to determine the effect of the COVID-19 pandemic on the profitability of Islamic banks and conventional banks in Asia, as well as to determine the effect of microeconomic factors and macroeconomic factors on the profitability of Islamic banks and conventional banks in the Asian region, as well as the difference performance between Islamic and conventional banks. This study used …
Entering the ASEAN Economic Community (AEC) in 2015, the Islamic banking in Indonesia is expected to have better performance to compete sustainably with local banks and foreign. The performance of the banks using the cost efficiency approach with a focus on two inputs (cost of fund and cost of labor) and the two outputs (total financing and owned securities). Using Stochastic Frontier Approach …
Penelitian ini bertujuan untuk menguji pengaruh dewan komisaris independen, karakteristik Dewan Pengawas Syariah (DPS), dan pendanaan bagi hasil terhadap transparansi informasi risiko bank syariah. Pengumpulan data dilakukan dengan melakukan analisis konten terhadap 30 bank syariah pada 5 negara dengan pasar keuangan syariah paling berkembang di dunia, dengan periode penelitian tahun 20142017. …