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Journal articles on the topic 'Interest Free Bank'

Author: Grafiati

Published: 7 June 2025

Last updated: 2 August 2025

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1

Syed Magfur Ahmad and Saeyd Rashed Hasan Chowdury. "Interest-free Financing: An Overview of Interest-free Finance in Turkey and Bangladesh." International Journal of Social, Political and Economic Research 7, no. 2 (2020): 272–91. http://dx.doi.org/10.46291/ijospervol7iss2pp272-291.

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The research paper aims to analyses the overview of interest-free finance activities in Turkey and Bangladesh. The history of the intellectual efforts of the Islamic economy in modern times is date back to the 1950s. The interest-free finance system emerged with the claim of being an alternative to the aim of eliminating the complexity of the irregular order in the modern financial system. Emerging Bangladesh and developing turkey were started up their interest-free financing from the decade of 1980. Bangladesh started interest-free financing from 1983 by establishing Islamic bank limited rega

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2

Buhari, A. Taufiq. "Bank dan Riba: Implikasinya dalam Ekonomi Islam." Al-Insyiroh: Jurnal Studi Keislaman 6, no. 1 (2020): 127–36. http://dx.doi.org/10.35309/alinsyiroh.v6i1.171.

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Islamic banks are banks whose activities leave usury problems. While usury is meant is excess property in a muamalah with no compensation. The mechanism of interest-free Islamic banking / usury based on philosophical and practical reasons. The principle of Islamic banking profit sharing makes the risk of loss smaller than deposit interest, but this high profit share still cannot provide a large influence on the economy. The reason is people still choose bank interest because the negative implications of the bank interest system are not felt directly individually in the near future by the publi

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Verga, Giovanni, and Nicoleta Vasilcovschi. "ROMANIAN INTERBANK INTEREST RATES AND CENTRAL BANK’S MONETARY POLICY." Scientific Annals of Economics and Business 66, no. 4 (2019): 487–506. http://dx.doi.org/10.47743/saeb-2019-0042.

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Interbank rates are affected by the monetary policy of a country and represent a link to other financial and credit markets. In 2007, Romania became a member of the European Union and its central bank, the National Bank of Romania (NBR), joined the European System of Central Banks (ESCB) but not the Eurosystem. This paper analyses the role of the central bank and the use of its instruments concerning interbank rates. The research evaluates the influence of the Romanian Central Bank on interbank rates and shows that the policy rate and bank liquidity are among the main determinants of interbank

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Buhari, A. Taufiq. "BANK DAN RIBA (Perbankan Syariah Prinsip Praktik dan Prospek)." Al-Insyiroh: Jurnal Studi Keislaman 6, no. 1 (2020): 127–36. http://dx.doi.org/10.35309/alinsyiroh.v6i1.3824.

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Islamic banks are banks whose activities leave usury problems. While usury is meant is excess property in a muamalah with no compensation. The mechanism of interest-free Islamic banking / usury based on philosophical and practical reasons. The principle of Islamic banking profit sharing makes the risk of loss smaller than deposit interest, but this high profit share still cannot provide a large influence on the economy. The reason is people still choose bank interest because the negative implications of the bank interest system are not felt directly individually in the near future by the publi

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CANBAZ, Mustafa, and Emre ÇEVİK. "INTEREST-FREE BANKING'S AND CONVENTIONAL BANKING'S ATTITUDES AGAINST FINANCIAL CRISES: THE CASE OF TURKEY." Business & Management Studies: An International Journal 3, no. 1 (2015): 88–122. http://dx.doi.org/10.15295/bmij.v3i2.102.

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Following the financial crisis in 2001, Turkish banking sector started a ‘restructuring’ process. This led to recovery of the damage caused by the crisis and, despite the significant decrease in number of the banks, the banking sector gained quite a sound structure. This imrpovement allowed it to remain strong against the global financial crisis that took place after 2007 and caused important progress for many financial indicators, in particular the deposits and loans. Interest- free banking, which has been operating in form of participation bank through the profit and loss sharing system sinc

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ZHEN-JIA-LIU. "CROSS-COUNTRY STUDY ON THE DETERMINANTS OF BANK FINANCIAL DISTRESS." Revista de Administração de Empresas 55, no. 5 (2015): 593–603. http://dx.doi.org/10.1590/s0034-759020150510.

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ABSTRACTBank failures affect owners, employees, and customers, possibly causing large-scale economic distress. Thus, banks must evaluate operational risks and develop early warning systems. This study investigates bank failures in the Organization for Economic Co-operation and Development, the North America Free Trade Area (NAFTA), the Association of Southeast Asian Nations, the European Union, newly industrialized countries, the G20, and the G8. We use financial ratios to analyze and explore the appropriateness of prediction models. Results show that capital ratios, interest income compared t

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Aziz, Roikhan Mochamad, and Syahrul Syahrul. "Evaluation Of Interest Rate Free In Indonesian Islamic Banking." IJECA (International Journal of Education and Curriculum Application) 1, no. 2 (2018): 60. http://dx.doi.org/10.31764/ijeca.v1i2.2101.

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The purpose of this study reviewed the analysis and discussion in a thesis entitled "Analysis of Effect of Non Performing Financing (NPF), assets of Islamic Banking and Bank Indonesia Certificates Sharia (SBIS) Financing Against Islamic Banking in Indonesia in 2010-2013". This research methodusing descriptive qualitative method in which these two methods are analyzed and explained by the subjective nature or in accordance with the object. The data used is qualitative data that comes from two sources, namely primary data and secondary data. Then the data is formulated and interpreted so neatly

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Trabelsi, Mohamed Ali, and Naama Trad. "Profitability and risk in interest-free banking industries: a dynamic panel data analysis." International Journal of Islamic and Middle Eastern Finance and Management 10, no. 4 (2017): 454–69. http://dx.doi.org/10.1108/imefm-05-2016-0070.

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Purpose The purpose of this paper is to examine whether Islamic finance could replace or complement the traditional financial system and could guarantee stability in times of crisis. Design/methodology/approach To achieve the aim, the authors examined both risk-taking and profitability of 94 Islamic banks (IBs) operating in 18 countries observed during the 2006-2013 financial crisis period. A series of bank-specific and other country-specific indicators are combined to explain profitability of IBs as measured by return on assets and return on equity, and risk divided into credit risk measured

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Bidabad, Bijan. "Rastin Swap Deposit (RSD): A Financial Account of Rastin Banking." International Journal of Islamic Banking and Finance Research 3, no. 2 (2019): 17–23. http://dx.doi.org/10.46281/ijibfr.v3i2.270.

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This paper introduces Rastin Swap Deposit account as a new banking deposit account which is interest-free and is based on Swap Contract in Rastin Banking. In this depositing by opening the deposit, the depositor is entitled to use an interest-free loan to the amount and duration that his resources have been being deposited and then return the money back to the bank. Depositor and bank agree that a combination of money and duration be selected in such a way that the products of amount and duration in both operations of depositing and loaning be the same. From the time of depositing to the first

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Rozi, Fahrur. "Analysis Of The Effect Of Banking Programs On Customer Loyalty At Pt Bank Maybank Indonesia Jakarta." Jurnal Indonesia Sosial Teknologi 4, no. 9 (2023): 1316–26. http://dx.doi.org/10.59141/jist.v4i10.707.

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Bank Maybank Indonesia customers have a strong interest in depositing their funds into the bank. This research was conducted on customers of Bank Maybank Indonesia Jakarta branch. analyzing the relationship or influence of banking programs consisting of Maybank Gift (X1), Top Up Reward (X2), Cash Reward (X3), Maybank Interest-Free Mortgage (X4), Interest Bonus (X5), Arisan Retention (X6), and 100% Cash Back (X7) on Customer Loyalty (Y). This research uses multiple linear regression with data from the banking program. This study aimed to see the effect of banking programs on customer loyalty at

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Ahmatnijar, Ahmatnijar. "RIBA, BUNGA BANK, DAN KOMITMEN BARU: Studi Tafsir tentang Riba Kaitannya dengan Bunga Bank Konvensional." Studi Multidisipliner: Jurnal Kajian Keislaman 5, no. 2 (2018): 57–76. http://dx.doi.org/10.24952/multidisipliner.v5i2.1112.

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This issue of usury became one of the priority agenda of Islam to abolish it, but it has not yet been completed until the end of the prophetic period. Along with the socio-economic development of the community, usury experiences development of meaning and instead it is linked to interest in conventional banks, so that some identify usury with the interest of the bank. In the study of Tafsir, the meaning of usury with bank interest is not entirely identical despite many points of equality. So that to solve this problem, there needs to be a new commitment to establish financial institutions that

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Nur, Leli Chuzaimah Batubara. "Pengaruh Produk Bank Syariah Terhadap Minat Menabung Dengan Persepsi Masyarakat Sebagai Variabel Moderating." Madani: Jurnal Ilmiah Multidisiplin 1, no. 6 (2023): 840–45. https://doi.org/10.5281/zenodo.8151998.

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<em>This study aims to determine Islamic bank products on the interest in saving by using public perceptions as moderating. The research method used is quantitative descriptive, the population is customers of Islamic Commercial Banks (BRI Syariah, BNI Syariah, Mandiri Syariah, Bank Jateng Syariah, Bank Muamalat) located in the Kota Medan sub-district. The research sample is people who make transactions at Islamic Commercial Banks, totaling 100 respondents using the quota sampling technique. The analytical method uses the MRA (Moderating Regression Analysis) test. The results of the study show

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Purbayati, Radia, Kurnia Fajar Afgani, and Agil Krisna Rivanda. "A Review: Product Pricing of Islamic Banking in Indonesia." European Journal of Business and Management Research 6, no. 3 (2021): 84–91. http://dx.doi.org/10.24018/ejbmr.2021.6.3.856.

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Indonesia is a country with the largest Muslim population in the world with a Muslim population reaching 87% of the total population. This is an opportunity for Islamic Banks to be able to grow and develop as a bank with the concept of a profit-sharing bank. It is appropriate for all operational activities, including pricing stipulations for Islamic banking products, to be free from the element of interest (interest rate free). However, in practice, there are still pricing stipulations in Islamic banking products that benchmark interest rates. This study aims to review the pricing determinatio

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Petrusheva, Nada, and Metin Akiti. "MURABAHA-CONTEMPORARY BANKING TREND WITH LIMITED USAGE IN THE MACEDONIAN FINANCIAL SYSTEM." Knowledge International Journal 28, no. 1 (2018): 147–51. http://dx.doi.org/10.35120/kij2801147p.

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Interest-free banking system also known as Islamic banking, represents a system, different from the conventional, with instruments and mechanisms which perform the same function as classic credit-saving instruments. An important feature that separates interest-free concept from standard banking is: to preserve the main Islamic principle, which is the exclusion of interest in every possible form. In that direction, Islamic bankers created instruments that fit the interest-free concept.Many of interest-free credit instruments, over the last years, are increasingly used also by commercial banks,

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Kalamika, Arin. "Micro Waqf Bank: An Innovation Of Islamic Microfinance Institutions In Indonesia?" West Science Social and Humanities Studies 2, no. 01 (2024): 113–21. https://doi.org/10.58812/wsshs.v2i01.567.

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The innovation developed by Islamic financial institutions through Micro Waqf Bank has caused a new problem instead of overcoming the existing one. The problem is in relation to the institutional form which aims to be free from interest and riba. This study employed literature review method with supporting secondary data taken from trusted state institutions. The results indicated that the innovation carried out through the concept of Micro Waqf Bank is free from interest and riba not only because of the deposit regulation pertaining to Islamic banking institutions. Even the deposit yield unde

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Iqbal, Rao Javaid, Atiquzzafar Khan, and Hafiz Muhammad Yasin. "Financial Stability and Monetary Framework under Interest-Free DSGE Settings for Pakistan." Islamic Banking and Finance Review 10, no. 1 (2023): 109–51. http://dx.doi.org/10.32350/ibfr.102.05.

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Various small and large, conventional and interest-free, DSGE models havebeen developed, simulated, and compared. After a large conventionalmodel, an interest-free NK model was prepared with household preferences,retail firms, and capital-producing firms. The deduction of zakat wassuggested with appropriate incidence. The model was estimated usingquarterly data for Pakistan between 1990 and 2009, a period characterizedby the consolidation of monetary and macro-prudential policies besides theopening up of the banking sector. This large-scale model included financialaccelerator, systemic risk, t

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Sultan Rafli Siregar and Bambang Kurniawan. "Suku Bunga Dalam Perpespektif Ekonomi Islam." Jurnal Riset Manajemen dan Akuntansi 3, no. 3 (2023): 173–83. http://dx.doi.org/10.55606/jurima.v3i3.2471.

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This writing describes the Bank's interest-critical analysis problems. From the discussion, it is understood that the interest in terms of conventional economics is the remuneration given by the bank based on the conventional principle to customers who purchase or sell products. In the classical view, the conventional economic Nakar interest rates and savings related to each other, therefore the interest rate is the most important factor, which regulates the volume of savings. The higher the interest rate, increasingly also reward saving. Thus, the higher the propensity to save or otherwise, t

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18

Rokhim, Abdul. "Kontroversi Produk Bank Sharî‘ah." ISLAMICA: Jurnal Studi Keislaman 5, no. 1 (2014): 44. http://dx.doi.org/10.15642/islamica.2010.5.1.44-60.

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<p>This paper discusses the views of Muslims on the nature and legitimacy of bank interest as far as Syari’ah law is concerned. Three views are presented here. First is the view of the neo-revivalists who argue that bank interest is legally illegitimate and that it is a form of riba. Second is the view of—among others—Fazlur Rahman who believes that bank interest is not riba. And third is the view that bank interest is in the state of legal doubtfulness (shubhat). We do not support particular view in this paper. But in principle it seems particularly legitimate to argue that Islam is a r

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Khalidin, Bismi. "MONETAR POLICY, MACROECONOMIC VARIABLES AND THE PERFORMANCE OF ISLAMIC BANKS FINANCING." Archives of Business Research 10, no. 2 (2022): 90–102. http://dx.doi.org/10.14738/abr.102.11791.

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Islamic banks are banks that operate based on sharia, where one of the principles is free from usury or interest rates. Instead of the rates, the banks uses a profit sharing system. In Indonesia, the Islamic banks grow significantly, even though the prevailing monetary policy is still based on the interest system. This phenomenon is interesting to study, because on the one hand there is a close relationship between banking and monetary policy, but on the other hand monetary policy is based on interest rates while the Islamic banks are based on profit sharing rates. This study aims to examine t

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Kebede, Debebe Alemu. "Interest Free Banking in Ethiopia: Customer Awareness, Satisfaction and Its Role on Economic Development." International Journal of Islamic Business and Economics (IJIBEC) 5, no. 1 (2021): 48. http://dx.doi.org/10.28918/ijibec.v5i1.2566.

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This study is aimed at evaluating the customer’s awareness and satisfaction toward Interest-free Banking and its role on Ethiopia economic development with some selected Commercial Bank in Ethiopia. To achieve the aim of the study the primary data was collected from Customers and Managers of the selected banks by using convenience method through questionnaire and interview. While, secondary data was collected by compiling and summarizing the bank’s Annual reports and Journals. The collected data was analyzed in descriptive and inferential analysis. The finding of the study depicts as low custo

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Lokce, Ahmet, and Andrijana Bojadzievska Danevska. "Establishing a Digital Participation Bank in North Macedonia: Opportunities and Challenges in Interest-Free Finance." Naše gospodarstvo/Our economy 71, no. 2 (2025): 25–33. https://doi.org/10.2478/ngoe-2025-0009.

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Abstract This paper aims to explore the feasibility of establishing a digital participation bank in North Macedonia based on the principles of interest-free finance. This system has been part of ethical and equitable financial systems in the major Abrahamic religions. Thus, as interest-free finance becomes more popular worldwide, digital banking presents a new approach to incorporating these principles into the Macedonian banking system. Here, the purpose of the paper is to discuss the applicability of establishing a digital participation bank in North Macedonia based on interest-free finance

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Susyanti, Jeni. "Alternative Interest-Free Financial Institutional Systems for Fair Economy: A Constructive Overview." Jihbiz : jurnal ekonomi, keuangan dan perbankan syariah 3, no. 2 (2019): 174–83. http://dx.doi.org/10.33379/jihbiz.v3i2.803.

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The Islamic economic system can be an option during the current world economic system with its market mechanism that can no longer be controlled by anyone and any system. The Islamic economic system is present as an alternative to the alignment of the economic system in a market order that is just and beneficial for human welfare. Islamic sharia principles in asset management emphasize the balance between individual and community interests, where assets must be used for productive things, especially investment activities which are the basis of economic activity in society. Interest-free financ

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Díaz Tavera, Germán. "Tasas de Interés Activas Anuales vs. Tasas de Interés Pasivas Anuales en el Sistema Financiero en el Perú." REVISTA XAUXA AÑO II, NÚMERO 5 – 2021 II, no. 05 (2021): 61–67. http://dx.doi.org/10.56374/xau.02.05.21.08.

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This study analyzes the Annual Active Interest Rates Versus Annual Passive Interest Rates in the Financial System in Peru, since a bank is an institution that is responsible for managing and lending money. Banking or the banking system is the set of Entities or Institutions that, within a given economy, provide the financial intermediation service. The banking business consists of financial intermediary, that is, placing your own capital, adding the public’s money, and then lending it at an interest rate that is currently free. For the loans that the bank makes, it receives an interest rate (a

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Chupina, Zhanna, Irina Abanina, Valery Abramov, et al. "Management of Monetary Policy in the Framework of Decision Making on Setting Interest Rates for Sustainable Social System: Example of the Russian Federation." Sustainability 14, no. 1 (2021): 79. http://dx.doi.org/10.3390/su14010079.

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This work was based on empirical studies of the credit register and loans issued, which have been compiled by all Russian banks since 2017, for the analysis of bank interest rates by a common factor and subject to the control of the characteristics of the loan. These dates identified bank-specific components in the management information system; also, the same data were used to measure the fragmentation of the accounting lending market in Russia. This paper illustrates the credit market in Russia during the COVID-19 pandemic by analyzing the management of loan rates with existing differences d

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Alam, Sk Rafikul. "Feasibility of Islamic banking and finance in India." Praxis International Journal of Social Science and Literature 6, no. 12 (2024): 45–51. https://doi.org/10.51879/pijssl/061207.

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Islamic banking and finance referred as sharia compliant finance or interest free banking and financing has always been a topic of discussion in the world of finance. Development of Islamic bank and finance has been view as a tool for promotion of inclusive growth by way of financial inclusion. Islamic bank permits only profit sharing based banking has been thought of early as 1940. The first Islamic banking experiment was done in1963 by Ahmad El Najjar as “Nasir Social Bank” it is set in the town of Mit Ghamr, Egypt under the guise of a saving bank the profit sharing but interest free concept

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Sarono, Agus. "MENGKRITISI MAKNA HUKUM RIBA BUNGA BANK." HUMANIKA 21, no. 1 (2015): 75. http://dx.doi.org/10.14710/humanika.21.1.75-85.

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Bank interest is considered usury. One is to be scrutinized if the bank interest as usury, because usury is often mentioned in the texts is characterized oppress and torment the community. As with the conventional bank interest, how many small and medium enterprises which helped because Free Master in conventional banks. Problems found in the writing of this paper is; Why people ignore the MUI fatwa on usury interest as knife analysis; Unger critical legal theory, theory of responsiveness Nonet Sezlnick, the theory of legal culture Lawrence M Friedman progressive Satjipto Rahardjo and Usul Fiq

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Basheer, Dr Aariefa. "Islamic Banking System: Need, Dimensions and Function." ComFin Research 10, S1-Oct (2022): 54–59. http://dx.doi.org/10.34293/commerce.v10is1-oct.6149.

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The Islamic Banks can do the business without being involved in the forward swaps of the exchange dealings. When we move to borrowing and lending activities, the matters become different. Any extra repayment rather than the original principle in any lending-borrowing relation is considered to be usury. Usury in Islam isconsidered to be one of the big sins. In Islam, there is no difference between usury as an excessive interest or the so-called legal interest itself. Therefore depositors who in fact are a lender to the bank cannot be allowed to take interest in the Islamic measures; but he can

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Foad Tajri, Reyhaneh Ameri, Minoo Khaki. "Representation of Term Investment Deposits and Interest-Free Banking Operations." Journal of Information Systems Engineering and Management 10, no. 4 (2025): 124–35. https://doi.org/10.52783/jisem.v10i4.8758.

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The victory of the Islamic Revolution and the transformation of the Iranian political and social system caused the Islamic Consultative Assembly, following the comprehensive and wise theories of the founder of the revolution and the jurists of the era, to legislate in the economic field. By approving the Interest-Free Banking Operations Law and its approval by the Guardian Council, it defined an economic roadmap for institutions in this field and gave commercial activities an Islamic flavor and color so that we could avoid the profiteering of interest that is the result of the capitalist econo

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Biwa Nugraha, Muhammad. "ANALISIS PERKEMBANGAN EFISIENSI TEKNIS BANKSYARIAHDI INDONESIA DENGAN METODE DATAENVELOPMENT ANALYSIS (DEA) TAHUN 2005-2009." Media Ekonomi 19, no. 1 (2017): 53. http://dx.doi.org/10.25105/me.v19i1.834.

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<p>Economic development of a country, requires a well planned and directedprogram and also requires a sufficient capital or development found. Therefore,Banking will be required as the financial institution and as the center ofdevelopment. The government has implemented several improvement towards theperformance of Banking by establising several policies. One of those policies is,Banks is free to determine their own interest rate. Which that policy sah motivatesthe development of establishment of Syariah Banks which its basis is on the profitsharing and not on the interest rate.The rapid

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Salam, Abdul. "BUNGA BANK DALAM PERSPEKTIF ISLAM (STUDI PENDAPAT NAHDLATUL ULAMA DAN MUHAMMADIYAH)." JESI (Jurnal Ekonomi Syariah Indonesia) 3, no. 1 (2016): 77. http://dx.doi.org/10.21927/jesi.2013.3(1).77-108.

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Abstract One of the problems is crowded and is still being debated in the Islamic economy is a matter of usury which is forbidden in the Koran . This debate mainly focused on what is really meant by riba in the Qur'an and how the economy of the Muslims who are held in the middle of the current capitalist economy and modern banking practices that require interest in economic activity .In existential presence of banking institutions can not be separated from economic problems of Muslims as a whole . Muslims who live in the modern system of value-free economy can not escape the " dependency " wit

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Mercan, Metin, Ilia Botsvadze, Bachana Dzagania, Tornike Khoshtaria, and Ana Rachvelishvili. "Determinants of bank profitability in Georgian banking sector." Journal of Business 11, no. 2 (2023): 83–116. http://dx.doi.org/10.31578/job.v11i2.221.

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This study examines the impact of bank-specific and macroeconomic determinants on the profitability of commercial banks in Georgia, where banks tend to be the largest part of the financial system, with free market systems and liberalization policies similar to those in other transition economies, using panel data analysis and random forest method (RVI) is implemented as a robustness check. The profitability indicators return on asset (ROA), return on equity (ROE), and net interest margin (NIM), all of which have been extensively utilized as indicators of profitability in previous research, wer

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Lestari, Dini Maulana, M. Roif Muntaha, and Immawan Azhar BA. "Peran Bank Syariah: Menuju Perekonomian Masyarakat Madani." Mabsya: Jurnal Manajemen Bisnis Syariah 1, no. 2 (2019): 131–44. http://dx.doi.org/10.24090/mabsya.v1i2.3461.

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Islamic banks are present in the community as financial institutions whose activities are based on the principles of Islamic law for the benefit of the people. This study aims to determine the strategic role of Islamic Banks as financial service institutions, the importance of the existence of Islamic Banks and Islamic-based markets and financial instruments in them. In its development, Islamic banks have a role as institutions that turn on public funds, channel funds to the public, transfer assets, liquidity, reallocation of income and transactions. In the Indonesian economic system, the exis

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Sappideen, Razeen. "Bank Credit Card Charges and the Interest Free Period: Balancing Equity and Efficiency." King's Law Journal 18, no. 1 (2007): 119–44. http://dx.doi.org/10.1080/09615768.2007.11427666.

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Raja, mannar Badur. "Mutual Funds Financial Performance Analysis." Asian Journal of Research in Banking & Finance 2, no. 10 (2012): 57–71. https://doi.org/10.5281/zenodo.7391106.

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The performance of four mutual funds operated by private sector banks, two each from HDFC and ICICI Prudential Mutual fund are being reported. The period of study is, from the financial year 2002-03 to 2011-12. The funds were compared with S&P CNX Nifty market Index by correlation and standard deviation. The interest offered by State Bank of India on Savings Bank was taken as a risk-free return. The statistical Evaluation parameters include Sharpe’s Index, Treynor’sRatio, Jensen’s alpha, Fama’s Measure and M Square.

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Sivani, Subhash, D. Divya Prabha Dr., V. B. Mathipurani Dr., and Selva Krishna S. "ANTECEDENTS OF CUSTOMER LOYALITY TOWARDS PUBLIC SECTOR BANKS." International Journal of Interdisciplinary Research in Arts and Humanities 4, no. 1 (2019): 41–46. https://doi.org/10.5281/zenodo.2619292.

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Abstract Free trade is a big challenge for a bank to enhance its organization performance. Banking industry also faces challenges because of the free trade, since there have been many companies going bankrupt that it is feared that it will reduce customers’ savings or deposits in bank. Competitors need to be aware because only banks with advantages that are able to create product with high quality services that can satisfy customers. Challenges become harder particularly when customers are sensitive to the interest rate, thus loyalty is at stake. This circumstance is very important becau

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Gendis Raihan Ardha. "Penerapan Akad Murabahah Terhadap Pembiayaan KPR Perumahan Bersubsidi Di PT. Bank Sumut Syariah KCP. Lubuk Pakam." Moneter : Jurnal Ekonomi dan Keuangan 2, no. 2 (2024): 30–38. http://dx.doi.org/10.61132/moneter.v2i2.443.

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A house is a basic human need, many people are rarely able to save in cash due to rising house prices. By providing pawn products (Home Ownership Credit), the Bank acts as a mediator between the interests of home buyers and sellers in this situation. However, Muslims are not allowed to use the usury transaction interest system used by mainstream banks. For Muslims who want interest-free financial services, the rise of Islamic banking is a good thing. However, the fact that sharia banking has not been able to match conventional banks in Indonesia is proof that the majority of Muslim communities

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Al Ajlouni, Ahmed Taha. "Interest free liquidity management scheme (time-weighted debt units)." International Journal of Islamic and Middle Eastern Finance and Management 10, no. 1 (2017): 60–76. http://dx.doi.org/10.1108/imefm-05-2015-0060.

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Purpose This paper aims to develop an instrument that helps in managing liquidity. Liquidity is one of the most critical issues to be considered by the financial management of the business firms to meet its financial obligations. It is more vital for banks because of the liquid nature of its assets and liabilities, along with the fact that the confidence in the bank and degree of risk depends heavily on liquidity as an indicator of its wellbeing. Islamic banks (IBs) look at the liquidity issue from the same side as the traditional banks. IBs – the most apparent Islamic financial institution –

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Rahadian, Bpk, and Nizar Alam Hamdani. "KAJIAN ANALISIS EFISIENSI INDUSTRI PERBANKAN INDONESIA MENGGUNAKAN METODE DISTRIBUTION FREE APPROACH." Journal Civics & Social Studies 4, no. 1 (2020): 26–37. http://dx.doi.org/10.31980/civicos.v4i1.855.

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Industri keuangan dan perbankan di wilayah ASEAN akan diintegrasikan mulai tahun 2020 yang merupakan kesepakatan antar negara ASEAN dalam pemberlakuan pasar ASEAN Economic Community (AEC). Bank-bank yang saat ini beroperasi di seluruh negara ASEAN haras lebih meningkatkan faktor efisiensi karena hanya bank yang efisienlah yang dapat bersaing dalam pasar bebas. Industri perbankan Indonesia sampai saat ini masih memiliki masalah dalam hal efisiensi. Rata-rata rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) masih tinggi yaitu 81,49% per Desember 2017. Rasio Net Interest Margin (NIM

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ONIBIYO, Ezekiel Rotimi, Nneka NWALA, Dauda Danladi MUNGADI, Nurudeen O. ADEKOLA, Bashir AMINU, and Hakeem B. SHITTU. "Effect of financial performance indicators on share price of listed commercial banks in Nigeria." World Journal of Advanced Research and Reviews 16, no. 2 (2022): 145–55. https://doi.org/10.5281/zenodo.7773841.

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Placement of funds on the capital market could be confounding particularly when the market is unreadable in a blurred investment macroclimate riddled by unethical practices of all dimensions which naturally renders traditional financial indicators blinded. This study investigates effect of financial performance indicators on share prices of the thirteen listed commercial banks in Nigeria within the periods of 2010 to 2020. Net interest margin, economic valued added and free cash flow are the exogenous variables that proxy financial performance indicators. Study employs panel ordinary least squ

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Nisa, Habun Khoirun, La Ode Alimusa, and Zulkifli Zulkifli. "FACTORS AFFECTING STUDENT'S DECISION USING SHARIA BANK PRODUCTS: A CASE STUDY IN IAIN KENDARI." Mega Aktiva: Jurnal Ekonomi dan Manajemen 11, no. 1 (2022): 28. http://dx.doi.org/10.32833/majem.v11i1.221.

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This study investigates the factors that determine student decisions to use the product of the Indonesian Islamic Bank (BSI) case study on IAIN Kendari students. This research is based on several trends from previous research results in various Muslim countries. The research design is through a survey questionnaire and the analytical method to measure this goal is Exploratory Factor Analysis (EFA) with a sample of 100 samples with the criteria of students using savings products at Bank Syariah Indonesia (BSI). The results show that there are 3 main factors that determine the behaviour of stude

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Nurhadi, Nurhadi. "Konversi Bank Riau Kepri Menjadi Bank Syariah dalam Perekonomian Masyarakat dan Umat Islam di Propinsi Riau." ISLAMIKA 2, no. 2 (2020): 276–97. http://dx.doi.org/10.36088/islamika.v2i2.792.

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Riau public awareness of a usury-free bank has shown the positive conversion of Riau BUMD Bank Riau Riau Islands into Sharia-based Banking. Riau Kepr Bank can be converted into an Islamic bank by not breaking the existing rules, just the process and mechanism that must be followed in accordance with the procedures and rules set by the Financial Services Authority. Bank Riau Kepri if converted will become a Sharia Bank, has the opportunity to become one of the 10 largest Islamic banks in Indonesia if analyzed from the side of Riau Riau Regional BUMD assets, but still survive in conventional ban

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Sofyan, Mohammad, and Bambang Heru Purwanto. "Internal Factors Affecting the NPL of State-Owned Commercial Banks." Ilomata International Journal of Management 4, no. 2 (2023): 195–206. http://dx.doi.org/10.52728/ijjm.v4i2.737.

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Banking in Indonesia generally relies on loan interest income as the primary income in financing its operations. Not all credit extended is risk-free; some have sizable risks and can threaten the bank’s health. So to measure a bank's ability to overcome failure to take credit from debtors, the NPL ratio can be used. This study aims to analyse the influence of internal factors, namely: CAR, LDR, NIM, and OEOI, on NPLs of State-Owned Commercial Banks during 2015-2022. The research was conducted using a qualitative descriptive method with panel data using the financial statements of Bank BRI, Ban

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Ilyas, Rahmat. "KONTRAK PEMBIAYAAN MURABAHAH DAN MUSAWAMAH." BISNIS : Jurnal Bisnis dan Manajemen Islam 3, no. 2 (2016): 290. http://dx.doi.org/10.21043/bisnis.v3i2.1496.

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Islamic bank is a financial intermediary (Intermediary Financial Institution) whose operations are free from elements that are forbidden by Islam, namely gambling, Gharar, Riba, Ryswah, and falsehood.Thus different from conventional banks whose. operations using the principles of interest by most scholars say the same as usury. The element that distinguishes Islamic bank with a conventional bank is the necessity of Shariah Supervisory Board (DPS) under the auspices of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). <br />Shariah Supervisory Board (DPS) is to monito

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Rahmadani, Harysah Damar. "ANALISIS PENYELESAIAN PEMBIAYAAN BERMASLAH PADA PT. BAK MUAMALAT INDONESIA PERSERO , TBK CABANG PEMBANTU KOLAKA." Jurnal Ekonomi Bisnis Syariah 2, no. 1 (2019): 76–90. https://doi.org/10.5281/zenodo.2649843.

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Islamic banks are financial institutions that function as intermediaries for excess funds and parties lack funds for business activities and other activities in accordance with Islamic law. Islamic Bank in international terms known as Islamic Banking or Interest Free Banking is a banking system which in its operational implementation does not use the interest system (usury), speculation (maysir), and uncertainty or obscurity (gharar). For those who have concerns about the three elements, Islamic banks can be an alternative as a means of lending capital or to invest funds because the type of bu

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Fitriansyah, Rahmat, Nurwahidin, and Mulawarman Hannase. "Performance Analysis of Bank Syariah Indonesia and Bank Muamalat Indonesia during the COVID-19 Pandemic Reviewed from Maqashid Syariah: Maqashid Sharia Approach Index." Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam 11, no. 2 (2023): 39–53. http://dx.doi.org/10.37812/aliqtishod.v11i2.768.

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The goal of this research is to measure the capability of Islamic banking in Indonesia during the Covid-19 pandemic using the Maqashid Syariah Index approach and using the measurement of three performance indicators, namely educating individuals, establishing justice, and public interest/maslahah). This research is a type of quantitative descriptive research. Bank Syariah Indonesia and Bank Muamalat Indonesia were used as objects of research. This research uses secondary data that comes from the 2020 and 2021 annual reports sourced from the official website. The maqashid sharia index approach

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Muarif, Ahmad Dalhar, and Saifudin Saifudin. "Analisis Persepsi Nasabah terhadap Merger Bank Syariah Indonesia." JIOSE: Journal of Indonesian Sharia Economics 1, no. 2 (2022): 121–38. http://dx.doi.org/10.35878/jiose.v1i2.498.

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The announcement of the merger of Bank Syariah Indonesia caused customers to ask questions about various problems that overshadowed it, including problems with the future of the bank, products, services and other facilities. This study was conducted to reveal how the customer's perception of the merger of Indonesian Sharia Banks in Pati Regency with the aim of knowing the customer's perception of the merger of Indonesian Sharia Banks in Pati Regency. This research is a descriptive qualitative research with data taken from questionnaires and interviews. The analysis model uses the Miles and Hub

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Ramadhan Putra Pratama and Sri Muljaningsih. "Pengaruh Pengetahuan, Kelompok Referensi Dan Motivasi Konsumen Terhadap Alasan Nasabah Menabung Di Bank Syariah Indonesia Jakarta Selatan." CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis 3, no. 2 (2023): 238–59. http://dx.doi.org/10.55606/cemerlang.v3i2.1203.

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In the world of banking in Indonesia, Islamic banking is a type of activity based on sharia principles that is free from usury. Unlike conventional banks which use interest in collecting and channeling funds, Islamic banks use financing as a contract. In conventional and Islamic banking there are differences in terms of banking operations. Therefore, this study aims to analyze the effect of knowledge, reference groups, and consumer motivation on customers' reasons for saving at Bank Syariah Indonesia, South Jakarta. The approach used in this research is a quantitative approach. The quantitativ

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Yusman, Yusman. "Perkembangan dan Keminatan Perbankan Syariah dan Perbankan Konvensional Terhadap Transaksi Keuangan." SALAM: Jurnal Sosial dan Budaya Syar-i 9, no. 5 (2022): 1589–600. http://dx.doi.org/10.15408/sjsbs.v9i5.27628.

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Bank is a business entity whose main task is as a financial intermediary, which distributes funds from parties who have excess funds to parties who lack funds, at a specified time. Bank is a business entity engaged in finance or financial services. A commercial bank is one of the financial institutions that has a very important role as a driver of the economic life of every free country (free economy). A bank based on sharia principles is a rule of agreement based on Islamic law between a bank and other parties to save funds or finance business or other banking activities. However, abroad, esp

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Faroog Ibrahim, Abdulla. "Issuing a Secondary Currency by Islamic Banks and its Impact on the Execution of Interest-free Loans: A Case Study of Buy and Sell Model." International Journal of Fiqh and Usul al-Fiqh Studies 6, no. 2 (2022): 35–44. https://doi.org/10.31436/ijfus.v6i2.265.

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The problem of usury in loans will not be solved as long as a single currency is used in the payment and repayment of the loan. Therefore, this research aims to propose a new system that complies with Sharīʽah standards in dealing with financial contracts for loans. The research uses the deductive and historical approaches to discuss the problem. The research concluded that it is necessary to issue a secondary currency by the Islamic banks as an alternative legitimate solution to treat usurious transactions, with the aim of dealing with it in the loan contract in particular and some aspects of

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Utomo, Ponco Edy Setyo, Mohammad Ridwan, and Budiana Budiana. "Fatwa Majelis Ulama Indonesia Tentang Konsep Pemanfaatan Bunga Tabungan Bank Dalam Tinjauan Hukum Islam." Ecobankers : Journal of Economy and Banking 3, no. 1 (2022): 58. http://dx.doi.org/10.47453/ecobankers.v3i1.675.

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Starting from an ustadz who is the chairman of DKM Asy Syafi'i who entrusted a sum of money which he said was savings interest from Bank Mandiri to be used for social activities and polemics over the legal status of bank savings interest is the same as usury so demanding the law between halal and haram, making people become doubtful and some even don't want to have anything to do with the bank and many even leave the bank for reasons of migration. This study discusses the concept of using conventional bank interest in a review of Islamic law with the Fatwa approach of the Indonesian Ulema Coun

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