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Intellectual Capital And Islamic Sosial Reporting Index: The Case Of Indonesian Islamic Banking
Purpose of the study: This study aims to explain the effect of Islamic Banking Intellectual Capital and Islamic Social Reporting on the Islamic Financial Performance Index of Sharia Bank Indonesia. Methodology: The data obtained in this study consisted of a total of 368 from annual financial reports and sustainability reports that were officially published by each Islamic bank in Indonesia. The analytical method used in this study is the Partial Least Square (PLS) method which is processed with SmartPLS 3 software. Main Findings: There is an essential influence on the implementation of Islamic Banking Intellectual Capital and Islamic Social Reporting on Islamic Financial Performance in Islamic Banking in Indonesia. This finding also shows that intellectual capital and social reporting by Islamic banks have a significant positive effect on the financial performance of Islamic banks in Indonesia. Applications of this study: This research will help next researchers to develop research in the banking world and can be used by banking institutions to become scientific input. Besides, mobilizing and using intangible resources properly will improve the financial performance of an organization. Novelty / Originality of this study: The existence of Islamic Banking Intellectual Capital combined with Islamic Social Reporting can affect and improve the competitiveness of Islamic Banking in Indonesia. This study will be a complete research and provide clear information for practitioners and academics.
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The Implementation of Good Corporate Governance and Its impact on the Financial Performance of Banking Industry Listed in IDX
A lot of researches have studied good corporate governance implementation in manufacturing companies; this research, however, is more focusing in banking industry. Since bank holds important key role in the economics, bank needs a good governance to get a good reputation to play its role well. This research was conducted using secondary data obtained from annual reports of banking companies listed in the Indonesia Stock Exchange for the year 2008 until 2012. The data was analyzed using multiple regression method.The result showed that foreign ownership, board size, and external auditor, as corporate governance variables, partially and significantly affect bank financial performance, while large shareholders, government ownership, commissioner size, independent commissioner proportion, and capital adequacy ratio are found to insignificantly affect bank financial performance. Furthermore, firm size as controlling variable, is insignificantly affect the relationship between corporate governance variables and bank financial performance.
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Cash Flow, Growth Opportunity, Government Bank Relationship, And Investment
This study aims to examined the effect of cash flow and growth opportunity to the investment, and whether the exclusive relationship owned by the company with a government owned bank relationship moderates the effect of cash flow and growth opportunity on investment. This study used a sample of data from 101 manufacturing companies listed on the Indonesia Stock Exchange in the period 2013-2017. The multiple linear regression results show that cash flow and growth opportunity have a significant positive effect on investment, the government owned bank relationship weakens the effect of cash flow on investment but strengthens growth opportunity's influence on investment. This means that if the company has an exclusive relationship with a state-owned bank, it will reduce the dependence of cash flow to invest and increase investment opportunities.
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The Impact Of Halal At Thayyib And Consumption Ethics On Economic Growth: An Economic Tafsir Of Al-Baqarah 168
This study investigates the contribution of Islamic banks and Islamic windows to the growth of the Nigerian economy. Data were obtained using structured questionnaires. 379 copies of questionnaires were administered based on the sample size obtained via the use of Taro Yamane formula. 367 questionnaires were successfully retrieved. Variables such as deposit activities, loan activities, and perception of bank employees were also adopted as explanatory or independent variable and dependent variable respectively. To support the study hypothesis were also formulated. For the analysis, measures of central tendency (tables, frequency and percentages) and inferential statistics (Logit Regression) were used. The result revealed that the variables (i.e. deposit and loan activities) have a positive impact on the growth of Nigeria's economy because the probability values of the variables (P=0.003 and 0.019) were less than alpha (α =0.05) level of significance. In other words, this implies that Islamic banks and windows have largely supported private consumption, business investments of its customers, aid government spending via sharia bonds (sukuk) to fund developmental projects of its customers. The study concludes that Islamic banks and windows have contributed towards the growth of the Nigeria's economy. Furthermore, the study recommends that there is need for creating the necessary legal framework to ensure its smooth operations, intensify efforts on creating public awareness, rolling out more sharia compliant products that can take care of the peculiarities that exist in business environment and training and retraining of staff on effective Islamic banking.
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Hak Syuf'ah dalam Akad Musyarakah Mutanaqishah
Musyarakah Mutanaqishah is one of akad which has minor risk compared to the other akad that is commonly implemented by sharia banking. In Musyarakah Mutanaqisah contract of cooperation Musyarakah Mutanaqishah can be done in various commercial business activities, with the form of business that is shariah compliant, among others; the principle of buying and selling, and renting rent. The important point is to be aware of that Musyarakah Mutanaqisah creates ownership in the form of a stationary asset, the parties in the union are not allowed to sell the portion of the assets owned to the other party outside the union without permission from other members of the union. Because, when members of the union sell their portions to the outside of the Union, there is a right to the members of the long-standing member of the assets that have been purchased by new members of the union. When the rights of Syuf'ah are applied, there is a worry that the parties are harmed. Based on this background, the author examines the right of Syuf'ah in Musyarakah Mutanaqishah contract. Based on the results of the study of the rules of agreement Musyarakah Mutanaqishah, based on theories and the rules of Dewan Syariah Nasional-Majelis Ulama Indonesia do not discuss the rules regarding the prohibition of parties in the union move or sell to other parties outside the union. But the implementation of this agreement on Sharia banking, the Otoritas Jasa Keuangan regulates the standard application of Musyarakah Mutanaqisah product. In the standard book the application of musyarakah Mutanaqishah products, arranged in relation to Negative Covenant clause. In drafting a financing agreement contract with the Musyarakah Mutanaqisah scheme, the bank should bind customer not to divert and surrender the portion of the customer's ownership to the other party, either in whole or in part. The author hopes the rule of application of this agreement is also noticed by other financial institutions, especially non-bank financial institutions in its transaction also implementing Musyarakah Mutanaqisah contract.
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Kredit Real Estate Dan Risiko Likuiditas Dengan Moderasi Struktur Kepemilikan Pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia
The purpose of this study is to investigate the effect of real estate credit on liquidity risk. This study also looked at the role of government ownership and foreign ownership in moderating the effect of real estate credit on bank liquidity risk. There are 43 banking companies listed on the Indonesia Stock Exchange for the 2014-2018 period used as samples. This study used a multiple linear regression model with the Ordinary Least Square (OLS) estimation method and robustness tests using the Maximum Likelihood (MLE) estimation method. The results of this study concluded that real estate credit has a significant positive effect on liquidity risk. Government ownership strengthens the positive effect of real estate credit on liquidity risk, while foreign ownership weakens the positive effect of real estate credit on liquidity risk.
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Economic Sectors sensitivity to Islamic and conventional monetary instrument: Case study in Indonesia
The purpose of monetary policy is to affect the economic activity through various channels of monetary transmission. One of the transmission channels Is via Islamic banking through financing to various sector of the economy. The change of monetary instruments certainly affects economic sectors differently Given the dual monetary system (Islamic and conventional) in Indonesia, it is interesting to see how those rates influence each of the economic sectors. This is important for the government in designing future economic programs by determining the specific sectors which must be prioritized. This paper aims to investigate the sensitivity of the economic sectors in response to the change in the Islamic and conventional monetary rate. The paper relies on the unit root test, the co-integration test, and impulse response functions, focusing on the period from May 2006 to February 2011. The data used is from monthly economic sectors for Islamic and conventional systems, Islamic monetary rates, and conventional monetary rates. The results show that Islamic banks play important roles in the monetary transmission process in the Indonesian economy. In particular, specific economic sectors react differently to both Islamic monetary instruments as well as conventional monetary instruments.
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Efektivitas Program Community Based Development Bali Sejahtera Provinsi Bali Dalam Penanggulangan Kemiskinan (Suatu Studi pada 49 Desa Pakraman di Kabupaten Badung)
The Bali Sejahtera Community-Based Development Program (CBD) is not the only program designed to respond to challenges, bringing Balinese families as part of an Indonesian family to live in prosperity. From the data collected by the Central Bureau of Statistics, the poverty rate in Bali has increased every year. To overcome the problem of poverty, the government has made various efforts by issuing development policies and programs by the central and regional governments. The condition of poverty is still a concern in Bali, inspiring the outside world, especially the World Bank to participate in overcoming it. Therefore, to implement a policy that has been designed by the Provincial Government of Bali, the Provincial Government of Bali in collaboration with the World Bank launched the Bali Sejahtera Community Development Program which began in 2001. Community Based Development uses a community-based or bottom up development program placing the community object program as the manager and main actor of the program in the sense that the community is given a full role to determine its own interests or needs in accordance with their potential. This program is managed through traditional institutions in Bali through Pakraman village. Badung as one of the regencies in Bali is the target of the CBD-Bali Sejahtera program with the number of Pakraman villages spread across 6 sub-districts in Abiansemal, Mengwi, South Kuta, Kuta, North Kuta and Petang, with a number of poor families as 5,680 households out of the total number 43,497 households. The selection of 49 Pakraman villages in Badung Regency was the object of research with the reason that, seeing from the development of the poverty line in Badung Regency that there was still a percentage of poverty that could be categorized as far from the expectation, Badung Regency was the Regency / City in Bali that had the Highest Original Income compared to other districts / cities in Bali. The analytical method used is qualitative.
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KEWENANGAN LEMBAGA-LEMBAGA NEGARA DALAM MEMUTUS DAN MENAFSIRKAN UUD SETELAH AMANDEMEN KEEMPAT UNDANG-UNDANG DASAR 1945
The Amanded of UUD 1945 changed basically the structure and State institutional. the change of the structure State institutional that is, was formed several of the new State institutionals, among them the Yudisial Commission (KY), the Constitutional Court (MK) and the Council of Representative of the Area (DPD). The UUD 1945 amanded unclear defined the State institutional, that is caused the inter-institutional authority dispute . Who right to interpreted the State institutional and what institution that were said as the State institution according to UUD 1945 fourth amanded . The Institution that the Right to interpreted UUD 1945 is the Constitutional Court. The State institutional that were meant in UUD 1945 is People's Consultative Assembly, the People's Representative Council, DPD, President, The ministry of the State , BPK, , DPRD, the Commission of general election (KPU), the Yudisial Commission, , the central bank, Republic of Indonesia Army, Republic of Indonesia State Police, and the Council of President consideration . The constitutional court had the authority to settle of the inter-institutional authority dispute of the country that his authority was given by UUD 1945.
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