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Journal articles on the topic 'Profits of the banking system'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

M. Husni Ingratubun. "APPLICATION OF THE INTEREST SYSTEM IN CONVENTIONAL BANKS AND ITS RELATION TO ISLAMIC LAW REGARDING USURY." Awang Long Law Review 5, no. 1 (2022): 373–78. http://dx.doi.org/10.56301/awl.v5i1.654.

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Conventional banking operations benefit mainly from the difference between the deposit interest given to customers and the interest or credit loans given. In contrast, in Islamic Banks, the profits they get are not from interest but through profit sharing. The main difference between conventional banks and Islamic banking is the prohibition of Riba (interest) in Islamic banking. Under Sharia banking, bank interest is prohibited while trading is permitted by Allah. Riba is defined as Ziyadah (additional cost). Riba is an additional fee, both in trade transactions and loans that are illegal or c

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2

T. ABRAR ZA. "KONSEP INVESTASI (AL-MUDHARABAH): PERBANDINGAN TEORI EKONOMI SYARI'AH DAN KONVENSIONAL." HEI EMA : Jurnal Riset Hukum, Ekonomi Islam, Ekonomi, Manajemen dan Akuntansi 2, no. 2 (2023): 27–42. http://dx.doi.org/10.61393/heiema.v2i2.172.

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In a mudharabah investment profit sharing transaction, both parties can enter into a business agreement, where one party becomes the capital investor and the other party becomes the capital manager. From the management of investment funds, investment profits (profit) will be obtained and will then be divided into two according to the agreement (al-ittifaq). The implementation of the principle of investment profit sharing does not only apply in Sharia Financial Institutions, but also in Conventional Financial Institutions in the form of mudharabah and musyarakah savings and loans referring to t

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3

Bektas, Eralp. "The persistence of profits in the Turkish banking system." Applied Economics Letters 14, no. 3 (2007): 187–90. http://dx.doi.org/10.1080/13504850500426178.

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4

Ryandono, Muhamad Nafik Hadi. "Solution for Islamic Banks Exploitation: A Criticism of Fixed-Yields Based Financing in Indonesia." al-Uqud : Journal of Islamic Economics 4, no. 1 (2020): 48. http://dx.doi.org/10.26740/al-uqud.v4n1.p48-68.

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The profit-sharing system is the main characteristic of Islamic banking that distinguishes them from conventional (ribawi) banking. However, in reality, the profit-sharing contract is rarely implemented in Islamic banking. As a result, Islamic banking is still identified as ribawi banking. Many Islamic economists have examined the reasons behind fixed income contracts, especially murabahah contract that applied predominantly, structurally, systematically and massively compared to the profit-sharing contract. Therefore, with a critical analytical approach, this study aims to dismantle and look

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5

Lomakin, Nikolay I., Olga V. Yurova, Ekaterina V. Kosobokova, Oksana A. Minaeva, Valentina F. Trunina, and Yury A. Kachanov. "RANDOM FOREST MODEL ON BIG DATA FOR FORECASTING THE STABILITY OF THE BANKING SYSTEM OF THE RUSSIAN FEDERATION." Krasnoyarsk Science 12, no. 1 (2023): 78–100. http://dx.doi.org/10.12731/2070-7568-2023-12-1-78-100.

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The article analyzes current trends in the use of artificial intelligence, cognitive technologies, Big Data and other innovations in order to predict the stability of the Russian banking system. The current trends in the development of banking innovations in the context of digitalization of the economy are summarized. Among the research methods used, the Random Forest artificial intelligence system, formed in the Google Collab cloud service in Python, should be noted. A neural network model for predicting the dynamics of bank profits based on the use of the Random Forest (RF – random forest) m

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6

Ridha, Fahrul. "Penerapan Prinsip Bagi Hasil Akad Mudharabah Di Perbankan Syariah Dalam Pandangan Ekonomi Di Indonesia." Al-Sharf: Jurnal Ekonomi Islam 4, no. 3 (2024): 338–53. https://doi.org/10.56114/al-sharf.v4i3.11396.

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Sharia banking is now undergoing a rapid development in Indonesia. It just means that in its implementation half of the group is thinking that sharia banks are only in line with the identity that is used to maintain solidarity with Muslim groups in the banking sector. Mudharabah contracts form one of the products used in sharia banking. This research aims to understand the explanation regarding the implementation of the profit sharing principle in mudharabah contracts in sharia banking from an economic perspective. In a mudharabah investment profit sharing transaction, both parties can create

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7

Lafta, Naseer Sabbar. "Recovery of Damage For Lost Profits In Bank Deposit." Akkad Journal Of Law And Public Policy 1, no. 1 (2021): 32–43. http://dx.doi.org/10.55202/ajlpp.v1i1.65.

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Iraq's banking system is different in that it includes nationalized banks, private banks, foreign banks, Islamic banks, particular development banks, and cooperative banks. Currently, the size of loan defaults in the banking industry is enormous. However, the popular view is that loans and advances have a higher recovery rate. This article aims to explore the problems governing banking operations in Iraq and summarize the provisions of Iraqi legislation relating to the recovery of bank profit losses. According to the study given in this example, lending practices with Iraqi banking instruments

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8

Muthoifin, Nabila Firdaus, Sukisno, et al. "Profit-Sharing Practices to Increase Profits and Development of Indonesian Sharia Banking." Revista de Gestão Social e Ambiental 18, no. 6 (2024): e05687. http://dx.doi.org/10.24857/rgsa.v18n6-005.

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Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islami

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9

Muthoifin, Nabila Firdaus, Sukisno, et al. "Profit-Sharing Practices To Increase Profits And Development of Indonesian Sharia Banking." Journal of Law and Sustainable Development 12, no. 1 (2024): e2816. http://dx.doi.org/10.55908/sdgs.v12i1.2816.

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Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islami

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10

Suryaningsih, Sri Abidah. "APLIKASI MUDHARABAH DALAM PERBANKAN SYARIAH DI INDONESIA." Journal of Innovation in Business and Economics 4, no. 1 (2014): 13. http://dx.doi.org/10.22219/jibe.vol4.no1.13-24.

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This theory analysis article aims to describe the meaning of mudharabah, explain about Sharia banks, and provide an overview on implementation of mudharabah in Islamic banking in Indonesia. Mudharabah takes place when there are investor (Shahibul mall), fund manager (mudharib), business activity, and profit sharing proportion (nisbah) agreement between investor and manager. Sharia banking should be performed based on some characteristics, specifically: usury (riba)-free, provides public services and realizes the socio-economic goals of Islam, universal, and applies profit and loss sharing. Mor

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11

Ashman, Sam. "Editorial Introduction to the Symposium on the Global Financial Crisis." Historical Materialism 17, no. 2 (2009): 103–8. http://dx.doi.org/10.1163/156920609x443399.

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AbstractThe current global economic crisis is historically unprecedented in that it began when poor groups in the United States defaulted on their mortgage-payments and spread fear of 'toxic debt' through an internationalised financial system, bringing the banking system close to collapse and highlighting the very individualised nature of contemporary financial relations. The symposium explores contemporary finance and banking practices in the context of Marxist political economy seeking to develop the notion of financialisation and arguing that banks' increasing reliance on individual househo

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12

De Jager, Phillip. "For banks, fair value adjustments do influence dividend policy." Southern African Business Review 19 (February 26, 2019): 157–90. http://dx.doi.org/10.25159/1998-8125/5812.

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5Most researchers who investigate the interplay between fair value accounting (FVA) and the financial crisis look at the time period during the crisis. This paper investigates a potential role for FVA prior to the crisis: If FVA led to increased accounting profits with the recognition of transitory gains through profit and loss during the boom, and if those increased profits provided the rationale for increased dividends, then bank capital became riskier prior to the crisis, and this would have made the system more prone to failure. A study by Goncharov and Van Triest (2011) found no empirical

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13

Vynogradnya, Vita, and Lyudmila Burdonos. "BANKING SYSTEM OF UKRAINE: CURRENT SITUATION AND PROSPECTS OF DEVELOPMENT." University Economic Bulletin 49/2 (May 22, 2021): 161–69. https://doi.org/10.5281/zenodo.5172945.

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The subject of the article is a set of questions concerning the problems of the banking system of Ukraine at the present stage. The purpose of the article is to analyze the processes associated with the functioning of the banking system at the present stage and its impact on the development of Ukraine's economy. Methods that were used in the research process: analysis, generalization, deduction was used in the work. Results: The main tasks and directions of functioning of the banking system in modern conditions are established. The reasons and consequences of the change in the number of ba

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Novikov, A., A. Zverev, and M. Mishina. "Features of Forming of Profits of Commercial Banks in Terms of Coronaries." Scientific Research and Development. Economics 8, no. 6 (2020): 75–82. http://dx.doi.org/10.12737/2587-9111-2020-75-82.

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A significant role of the banking system in ensuring the functioning of the entire economy, by means of organizing the movement of borrowed capital between individual industries and the implementation of financial needs is achieved only if this system, and therefore its constituent elements, are stable. In this regard, the stability of the banking system should be considered as a fundamental internal characteristic, which ensures the existence and stable development of the Bank in a market economy under the influence of external and internal factors.  In 2020, commercial banks were faced

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15

Hendrawan, Riko, and Azhar A. Nasution. "Assessing Banking Profit Efficiency Using Stochastic Frontier Analysis." Journal of Finance and Banking Review Vol. 3 (4) Oct-Dec 2018 3, no. 4 (2018): 67–76. http://dx.doi.org/10.35609/jfbr.2018.3.4(5).

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Objective - The banking sector plays an important role in the Indonesian economy. The sustainability of the Indonesian banking sector will depend on the ability of every banking institution to maintain their competitiveness. Banking competitiveness is reflected in the level of efficiency of the banking system itself. Methodology/Technique - The purpose of this research is to assess the efficiency of 21 banks on the IDX between 2008-2017 using Stochastic Frontier Analysis. Findings - The findings of this research show a maximum efficiency score of 0.69 and the bank's average score among the res

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16

Forozandeh, Mohammad. "Optimizing the Banking Service System Using Queue Theory, Fuzzy DEMATEL and TOPSIS Approach: Case Study." Annals of Human Resource Management Research 2, no. 2 (2022): 87–104. http://dx.doi.org/10.35912/ahrmr.v2i2.1035.

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Purpose: This paper aimed to improve and optimize the overall performance of the banking service system using queue theory in various activities whilst maximizing profits. Research Methodology: Based on previous literature and interview with related experts, the initial status of the banking system is analyzed as well as the methodologies of queue theory. The data was analyzed to modeling queuing systems for understanding queuing behavior using Wittness Software for simulation. Different queuing strategies will be implemented using the waiting time to find the most efficient solution and the o

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17

Wulandari, Andi Sri Rezky, and Abd Basir. "PENERAPAN PRINSIP BAGI HASIL PADA PEMBIAYAAN DI BANK SYARIAH MENURUT UNDANG-UNDANG PERBANKAN SYARIAH." Khatulistiwa Law Review 1, no. 1 (2020): 61–76. http://dx.doi.org/10.24260/klr.v1i1.31.

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Ratification of RI Law No. 21 of 2008 concerning Sharia Banking is one of the legal instruments for the growth of the Islamic banking industry in Indonesia. The main principle applied is the principle of profit-sharing with quite basic character differences from the interest system, one of them is financing product. Even so in practice, the composition of Islamic finance with the principle of profit-sharing is still far from expected. Therefore, this study examines the application of profit-sharing principles to Islamic finance according to RI Law No. 21 of 2008. The results of this study foun

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18

Rufaida, Erty Rospyana. "Profit and Loss Sharing: Konsep dalam Perspktif Islam dan Teori Perbankan Syariah." Abdurrauf Social Science 1, no. 2 (2024): 126–44. http://dx.doi.org/10.70742/arsos.v1i2.36.

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This article aims to specifically discuss the concept of Profit Sharing from an Islamic perspective and its theory in sharia banking. The research method used in this study is library research, which is one of the approaches in qualitative research. The data and materials used in this research come entirely from various sources such as scientific journals, books, and so on. The research process includes searching, collecting and analyzing data. Al Mudharabah Profit Sharing System (Trust Financing, Trust Investment) refers to capital owners who set aside their assets for trading in the hope of

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19

Suroso, Sugeng, and Chajar Matari Fath Mala. "The strength of competition and market efficiency in determining bank profits." Risk Governance and Control: Financial Markets and Institutions 14, no. 3 (2024): 8–17. http://dx.doi.org/10.22495/rgcv14i3p1.

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Paying attention to developments in market competition, banking efficiency, and profitability is very important because it will update industry information so that it can be utilized by the early warning system (EWS). Market competition is important in business, so this research is interesting for the public. This research aims to find out the impact of competition and efficiency provide positive synergy on banking profitability. The theoretical basis for problem-solving will use industrial organization thinking, which focuses on the structure conduct performance-efficiency structure hypothesi

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20

González-Rossano, Carlos, Antonia Terán-Bustamante, Marisol Velázquez-Salazar, and Antonieta Martínez-Velasco. "What Drives Profit Income in Mexico’s Main Banks? Evidence Using Machine Learning." Sustainability 15, no. 7 (2023): 5696. http://dx.doi.org/10.3390/su15075696.

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Historically, the banking system has been critical to the development of economies by addressing funds efficiently—from customer savings and investors to the productive activities of people and companies, financing consumer goods and current expenses, housing, infrastructure projects and providing liquidity to the market. However, it must be transformed to respond to emerging demands in society for better financial products and services with a positive impact on living conditions and well-being. To achieve this, banks must create economic value—that is to say, banks should create profits in a

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., Mahipal, Abdul Manan, Fauzi Yusuf Hasibuan, and Ramlani Lina Sinaulan. "Peluang dan Tantangan Pengelolaan Perbankan Syariah serta Urgensi Keberadaan Dewan Pengawas Syariah di Indonesia." PALAR | PAKUAN LAW REVIEW 8, no. 1 (2022): 309–30. http://dx.doi.org/10.33751/palar.v8i1.4846.

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ABSTRAK Tujuan Penelitian ini ialah untuk menjelaskan Perbankan syariah adalah suatu sistem perbankan yang dikembangkan berdasarkan syariat (hukum) Islam. Perbankan syariah harus diimplementasikan berdasarkan syariat Islam sesuai dengan tujuan pembentukannya. Perbankan syariah juga bertujuan untuk menunjang pelaksanaan pembangunan nasional dalam rangka meningkatkan keadilan dan kebersamaan dan pemerataan kesejahteraan rakyat. Bank syariah juga memiliki tujuan atau berorientasi tidak hanya pada profit saja, tetapi didasarkan pada falah (falah oriented), sedangkan pada bank konvensional hanya pr

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22

Zainuddin, Muhammad Anwar. "AKAD MUSYARAKAH MUTANAQISAH DALAM SISTEM PERBANKAN SYARIAH." Bilancia: Jurnal Studi Ilmu Syariah dan Hukum 12, no. 2 (2018): 321–38. http://dx.doi.org/10.24239/blc.v12i2.373.

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   The need for house is one of the primary needs for every human being and basic rights for humans. The financing of musyarakah mutanaqisah in the Islamic banking system is one of the bank's involvement in the provision of housing loans. Financing musyarakah syirkatul milk is the combination of capital from two or more people to finance a project / business, profits will be divided based on the proportion of capital; whereas if there is a loss it will be borne together according to the agreement contained in the contract / contract agreement. Islamic banking has obtained for

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Friedline, Terri, Anna K. Wood, Mikal Wheatley, Seyoung Oh, and Haotian Zheng. "Doubling Down on Racial Capitalism during COVID-19: Qualitative Interviews with Bank Employees." ANNALS of the American Academy of Political and Social Science 698, no. 1 (2021): 163–84. http://dx.doi.org/10.1177/00027162211061277.

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The COVID-19 Pandemic Recession has revealed examples of systematic discrimination within a wide range of industries, including banking. Using data from interviews conducted with bank employees in March and April 2020, we explore how private banks exemplify racialized organizations and operate within the broader economic system of racial capitalism that prioritizes pursuit of profits over the interests of their customers. We explain how the banking industry’s responses to the pandemic reflect the logic of racial capitalism, and we develop the theme of doubling down to illustrate this logic and

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24

Selva, Simone. "Financial Deregulation, Monetary Tightening, Oil Crises and Transnational Capital Flows: The United States and the Origins of Neoliberal Financial Policies." International Journal of Financial Research 14, no. 4 (2023): 10. http://dx.doi.org/10.5430/ijfr.v14n4p10.

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This article pinpoints the anti inflationary measures and financial deregulation policies passed by the Congress and the White House since early 1980 to establish a linkage between such soaring cost of financing the U.S. economy, a declining competitive edge of U.S. manufacturing during the 1970s, and the deregulation of the financial system by the turn-of-the-decade. It is suggested that such deregulation was an instrument to recast the competitive position of American manufacturing and trading companies. Furthermore, unlike the literature on financialisation of corporate America, this study

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Wahyudi, Heru, Ukhti Ciptawaty, Arivina Ratih, Rahmah Dianti Putri, Mahyudin Ahmad, and Aryan Danil Mirza. Br. "Comparison of Short-Term and Long-Term Estimation of Syariah Banking Performance." WSEAS TRANSACTIONS ON ENVIRONMENT AND DEVELOPMENT 19 (February 23, 2023): 138–50. http://dx.doi.org/10.37394/232015.2023.19.12.

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yariah banking system is one of the exciting research objects and has the potential to continue to be developed. Sharia banking is a new way out of banking. On a more macro level, the banking system affects banking performance on economic growth. Islamic banking is also stated to contribute better than conventional banking in achieving SDG points. The primary purpose of this study is to examine the development of conventional and Islamic banks in the future for short- and long-term analysis. The analysis will discuss how productive assets, bank profits, and third-party funds are both types of

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BULATOVA, Olena, and Tetyana MARENA. "WORLD BANKING SYSTEM: POST-CRISIS RECOVERY?" JOURNAL OF EUROPEAN ECONOMY, Vol 18, No 3 (2019) (2019): 321–37. http://dx.doi.org/10.35774/jee2019.03.321.

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The article studies the state of the world banking system recovery after the global crisis. It is stated that by the indicators of financial depth, capital adequacy and profitability of the biggest banks the world banking system is nowadays the most stable and profitable for the entire post-crisis period of its development. It is noted that the structure of the modern world banking system corresponds to the spatial structure of the world economy, which consists of different taxonomic levels of regions and where the role and importance of global regions is being enhanced against the background

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27

Pham, Van Thi Hong. "Profitable Investment Channels of Vietnamese Commercial Banks (2018–2024)." Journal of Risk and Financial Management 18, no. 4 (2025): 182. https://doi.org/10.3390/jrfm18040182.

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The Law on Credit Institutions 2010, amended and supplemented, was applied on 15 January 2018, causing many changes in senior personnel in Vietnamese banking. The period (2018–2014) had many changes. This was also a period of many business difficulties. Four commercial banks had to carry out mandatory transfers at the request of the State Bank to ensure the development of the Vietnamese banking system in 2024. Profitable investment channels of commercial banks sometimes generate income and, at other times, suffer losses. Managers often analyze and make investment decisions by observing develop

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Nugroho, Wawan Cahyo, and Fitria Magdalena Suprapto. "Executive Incentives, Profitability Against Tax Avoidance: A Study Of Banking Companies In Indonesia." GOVERNORS 3, no. 1 (2024): 46–53. http://dx.doi.org/10.47709/governors.v3i1.4036.

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Many parties contribute taxes to the State, one of which is companies. In calculating company profits, tax costs are very important because taxes are a cost account that can reduce the amount of profit the company earns during the year. The greater the tax paid to the state treasury, the less profit the company generates. This research aims to examine: executive incentives and profitability on tax avoidance. The population in this research are banking companies listed on the Indonesia Stock Exchange in 2017-2020. Sampling using purposive sampling, obtained 26 samples. This research uses multip

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Lateef, Adeyemo Wale, Alawiye Abdulmumin Abdurrazzaq, Syahirah Abdul Shukor, and Amalina Ahmad Tajudin. "Maqasid Al-Shari'ah in Ijarah (Leasing) Contract of Islamic Banking System." Journal of Islamic Finance 6, no. 2 (2017): 038–44. https://doi.org/10.31436/jif.v6i2.287.

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The operating ijarah and ijarah financing are currently generating interest among the Islamic banks, investors, customers and even policy makers due to their less risk overloads and better profits to the public. This paper attempts to highlight the benefits of applying the Islamic legal objectives (Maqasid Al-Shariâ€™ah) in ijarah contract, and how a strict compliance to the latter can help manage Shariâ€™ah, business and distribution of wealth in the society. The paper discusses the impact of Muslim scholars in applying ijtihad and analogical deduction to fashion out the appropriate ruling in

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Nursiah, Ayu, Bela Nopita Sari, Dian Raudatul Firdausi, Dina Yovita Ria, and Ahmad Hazas Syarif. "Analisis Nisbah Bagi Hasil Produk Deposito Mudharabah Dalam Lembaga Keuangan Syariah." As-Syirkah: Islamic Economic & Financial Journal 1, no. 2 (2025): 133–47. https://doi.org/10.56672/fgvmy282.

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Profit sharing is profit sharing system in wich the owner of the capital coorporate with the owner of the capital to carry out business activities.if the business activity generates a profit, it is shared by both and when it experiences a loss it is borne together as well. Sharia banking introduced a system to the public with the term Revenue Sharing, which is a profit sharing system that is calculated from the total fund management revenue without deducting the cost of managing funds. The concept of profit sharing aims as follows: (a). The owner of the funds will invest their funds through an

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PAVLOVA, Olena, Oleksandr DERZHAI, Oksana DERKACH, and Valentina SATSYK. "ANALYSIS OF THE EFFICIENCY OF FUNCTIONING OF THE BANKING SECTOR OF UKRAINE." Herald of Khmelnytskyi National University. Economic sciences 316, no. 2 (2023): 259–64. http://dx.doi.org/10.31891/2307-5740-2023-316-2-42.

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The banking system has always been essential to the country’s economy. Moreover, it is essential in the current economic conditions because to stabilize the financial and economic situation in Ukraine, a reliable, working and developed banking system is necessary. To ensure it, it is necessary to study the efficiency of the banking sector of Ukraine and identify the factors that affect it. This determines the relevance of measures to reform the banking system, considering the current situation. The article summarizes the concept of “efficiency of banking activity,” identifies the factors that

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Izazi Nurjaman, Muhamad. "KEDUDUKAN AKAD QARDH DALAM REGULASI PERBANKAN SYARIAH: IMPLIKASINYA TERHADAP INOVASI PRODUK." Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan 10, no. 2 (2024): 228–45. https://doi.org/10.24952/almaqasid.v10i2.11592.

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The understanding that an increase in the loan amount based on a qardh contract constitutes usury is inherent in some communities. In the Islamic banking operational system, this is strictly avoided. However, in various product developments, sharia banks still use the qardh contract. This gives rise to the view from some people that the operational system of Islamic banks is the same as conventional banks, especially since the funds used in product development are customer funds which should be managed for other things that can generate profits. The aim of this research is to analyze the posit

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Shen, Bingbing, Aleksandr Aleksandrovich Perfilev, Lidiya Pavlovna Bufetova, and Xueyan Li. "Bank Profitability Analysis in China: Stochastic Frontier Approach." Journal of Risk and Financial Management 16, no. 4 (2023): 243. http://dx.doi.org/10.3390/jrfm16040243.

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China’s banking system has a relatively high level of state control, while an important task in regulating the banking system is to manage the profitability of banks. Using the stochastic frontier approach to assess the profitability of commercial banks not only allows for the bank’s ability to generate profits relative to the leading banks in the industry to be assessed but also takes into account the specifics of the management technologies used and the influence of the market environment. This article analyzes the profitability of the Chinese banking system for the period 2012–2020 using th

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Retnaningsih, Dewi, and Bambang Bambang. "Exploring EFL Learners’ Perspective of Using Attractive Games to Improve English Speaking Performance for Grade X Accounting Students of SMK Muhammadiyah 1 Yogyakarta." Jurnal Syntax Transformation 4, no. 8 (2023): 23–31. http://dx.doi.org/10.46799/jst.v4i8.798.

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The purpose of writing this article is to have a better understanding of the differences between Islamic and conventional banking as well as the relevance of Islamic banking principles in the current global economic context. The research method used is qualitative method, this study is descriptive analytic, this is to describe and analyze the system of Islamic financial institutions with the system of conventional financial institutions. Results: Sharia banks serve as a means to accumulate public savings and develop them. The point is that Sharia Bank is an institution that functions to invest

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Nursiah, Ayu, Bela Nopita Sari, Dian Raudatul Firdausi, Dina Yovita Ria, and Ahmad Hazas Syarif. "Analisis Nisbah Bagi Hasil Produk Deposito Mudharabah Dalam Lembaga Keuangan Syariah." As-Syirkah: Islamic Economic & Financial Journal 1, no. 2 (2022): 133–47. http://dx.doi.org/10.56672/syirkah.v1i2.24.

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 Profit sharing is profit sharing system in wich the owner of the capital coorporate with the owner of the capital to carry out business activities.if the business activity generates a profit, it is shared by both and when it experiences a loss it is borne together as well. Sharia banking introduced a system to the public with the term Revenue Sharing, which is a profit sharing system that is calculated from the total fund management revenue without deducting the cost of managing funds. The concept of profit sharing aims as follows: (a). The owner of the funds will invest their funds thr

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IRFAN, MUHAMMAD. "Do Financial Indicators Affect the ‎Performance of the ‎Banking Ecosystem of Bahrain? A Study of Covid-19 ‎Unprecedented." International Journal of Islamic Economics and Governance 2, no. 2 (2021): 36–52. http://dx.doi.org/10.58932/muld0004.

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The main objective of this study is to address the growth of the banking system in Bahrain and analyze the impact of Covid-19 on its financial performance due to the global pandemic effect. The sample has been taken from the banking sectors of Bahrain, which include three clusters: Islamic banking, conventional banking, and entire banks. Data were collected from the Central Bank of Bahrain (CBB), with quarterly data extracted from 2019-2020. This paper measures the impact of pre- and post-Covid-19 financial performance of Bahraini banks to determine the factors affecting the financial indicato

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Chen, Leyan, Yuqi Huang, and Ruizhuo Mou. "Shadow Banking in the United States: Emerging Factors, Operation Modes and the Current Situation of Supervision - Based on the Comparison with Chinese Shadow Banking System and Market." Advances in Economics, Management and Political Sciences 82, no. 1 (2024): 150–62. http://dx.doi.org/10.54254/2754-1169/82/20230977.

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In 2009, Ben Bernanke, chairman of the Federal Reserve, described shadow banking as a financial intermediary that converts savings into investments in addition to regulated deposit-taking institutions. To put it simply, the essence of shadow banking is a financial innovation that breaks through traditional financial institutions in order to maximize profits in the financial market environment. In this paper, we compare the U.S. and Chinese shadow banking system and their market system. From that, we analyze their similarities and differences from the aspects of emerging factors, classification

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Nure, Gazmend. "The Impact of Specific Banking, Industrial and Macroeconomic Factors on Bank Profitability: Evidence from the Albanian Banking System." Business and Economic Research 9, no. 2 (2019): 182. http://dx.doi.org/10.5296/ber.v9i2.14724.

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This research studies the factors that affect the profitability of the banking system in Albania during the period 2012-2017.The specific factors taken in the study are divided into two groups: the specific banking factors (internal), and the macroeconomic factors. The dependent variable used in the study, to measure Bank Profits, is Return on Equity (ROE). The empirical findings show that, when ROE is used as a dependent variable, all bank specific variables are negatively and significantly related to profitability. That being said, there is the exception of the liquidity factor (Liquid asset

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Nguyen, Thanh. "The performance of the Chinese banking system before and after the WTO entry." China Finance Review International 6, no. 3 (2016): 245–63. http://dx.doi.org/10.1108/cfri-08-2015-0116.

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Purpose – The purpose of this paper is to examine the effects of China’s accession to the World Trade Organization (WTO) in January 2002 on the efficiency levels, efficiency components (technological change and scale economy), and efficiency determinants of Chinese banks. Design/methodology/approach – This study employs a two-stage stochastic frontier analysis to estimate efficiency and its components and identify the efficiency determinants. Findings – Chinese banks did not benefit from technological change and scale expansion in reducing costs in the pre-WTO period, but the reverse occurred

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Wahyuna, Sari, and Zulhamdi Zulhamdi. "Perbedaan Perbankan Syariah dengan Konvensional." Al-Hiwalah : Journal Syariah Economic Law 1, no. 2 (2022): 183–96. http://dx.doi.org/10.47766/alhiwalah.v1i2.879.

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This article aims to test the financial performance between Islamic Banks and Conventional Banks, and examine the influence of financial performance on investment decisions, both in Islamic Banks and Conventional Banks. Basically it has a function as a place to collect funds from the public in the form of savings and distribute them again to the community in the form of credit or other forms in order to improve the standard of living of the people as explained in Law Number 10 of 1998 concerning Banking, so that today's society many use banking services in Indonesia, but many Indonesian people

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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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Shen, Yuchen, Wei Li, Minglu Ouyang, and Xinyang Liu. "Risk Analysis of American Banking and Regulatory Systems Based on Silicon Valley Banking Events." Advances in Economics, Management and Political Sciences 92, no. 1 (2024): 171–76. http://dx.doi.org/10.54254/2754-1169/92/20231194.

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On March 8,2023, Silicon Valley Bank (SVB) announced an after-tax loss of $1.8 billion and a refinancing of $2.25 billion. SVB's move sparked panic in the market and an attempt to withdraw $42B in March 9. SVB declared bankruptcy on March 10. This paper analyzes the SVBs bankruptcy in three different levels. First, the risk that exposed in the SVBs assets and liabilities allocation which directly leads to liquidity crisis and the SVBs failure. Second, the paper analyse the case based on a macro factor, the fed rate hike. Third the paper indicate the risk exposed in executive level, for instanc

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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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Utami, Indah Setia. "Transparency and Performance of Islamic Banking the Implications for Profit Distribution (Empirical Study of Indonesia and Malaysia)." Formosa Journal of Science and Technology 2, no. 3 (2023): 987–1002. http://dx.doi.org/10.55927/fjst.v2i3.3298.

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The objective of this paper is to assess the effect of transparency and performance on the distribution of profits in Islamic banks in Indonesia and Malaysia. This study employed content analysis of published annual reports as well as multiple regression analysis. Samples were taken using the purposive sampling technique. The results of the analysis showed that both transparency and performance simultaneously have a positive effect on profit distribution, but partially only transparency has an effect on profit distribution. This could be due to the fact that in Indonesia and Malaysia, Islamic

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M., Khoiruddin, and Rahmah Tri Utami Nur. "Analysis of Sustainability and Inclusive Strategies in Achieving Profitability: Studies on Banking Listed on the Indonesia Stock Exchange." INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND ANALYSIS 06, no. 08 (2023): 3869–78. https://doi.org/10.5281/zenodo.8296600.

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Sustainable and inclusive finance are concepts that are currently developing rapidly. This concept emerged as a response to the challenges and needs that exist in the current financial system. This study aims to determine the effect of implementing a green banking strategy, fintech adoption, and financial inclusion on profitability in the banking sector in Indonesia. The object of this study are banking companies listed on the Indonesia Stock Exchange for the 2015-2021 period. In this study, it was found that there were 46 banking companies listed on the IDX, but not all of them were sampled.

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Đalić, Tamara, Miljana Barjaktarović, and Vladan Cogoljević. "THE IMPACT OF SUSTAINABLE DEVELOPMENT ON RISK MANAGEMENT IN THE NPL PORTFOLIO IN THE WESTERN BALKAN COUNTRIES." Oditor 9, no. 3 (2023): 177–214. http://dx.doi.org/10.59864/oditor32307d.

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The concept of sustainable banking is based on the principle of achieving growth and profits for the bank and shareholders, but only by also achieving social goals and caring for environmental preservation. Providing new banking services and creating new (green) banking businesses that not only generate profits but also broader social and environmental objectives present opportunities for creating a competitive advantage, both in the Western Balkan countries observed in this study and in all countries worldwide. In this study, we will focus on analyzing macroeconomic parameters in the Western

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Soetopo, Kartika, David P. E. Saerang, and Lidia Mawikere. "ANALISIS IMPLEMENTASI PRINSIP BAGI HASIL, RISIKO DAN PENANGANAN PEMBIAYAAN BERMASALAH TERHADAP PEMBIAYAAN MUSYARAKAH DAN PEMBIAYAAN MUDHARABAH (STUDI KASUS:BANK SYARIAH MANDIRI KC MANADO)." ACCOUNTABILITY 5, no. 2 (2016): 207. http://dx.doi.org/10.32400/ja.14436.5.2.2016.207-223.

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The banking system in Indonesia is conducted by the dual banking system where the system is divided into conventional and Islamic. Presence of Islamic banks has provided investment alternatives without worrying about the risk the development of remuneration with an uncertain interest method. But on this implementation, Islamic banking requires special treatment different from conventional banks, especially in terms of handling the risks and challenges faced by Islamic banks. The problem is how to implement the profit sharing of principal and risks and how the handling Non Performing Finance of

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Mujib, Muhammad Abdul. "Analisis Hukum dan Etika dalam Transaksi Ijarah pada Operasional Perbankan Syariah." Journal of Islamic Finance and Syariah Banking 1, no. 1 (2023): 24–33. https://doi.org/10.63321/jifsb.v1i1.10.

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This research aims to explain the law and ethics of ijarah transactions in Sharia banking operations. This research uses a qualitative descriptive method, a data collection technique used by libraries (library research). The results of this research show that ijarah transactions are characterized by a transfer of profits. Basically, the principle of ijarah is the same as the principle of buying and selling. However, the difference is that the object of the transaction is goods, while the object of business in ijarah is services. And the law on ijarah transactions is permitted, because the serv

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Ismartono, Ismartono. "Non-Usury Business Model in Islamic Banking Practice (Waqf, Profit and Loss Sharing, Zakat)." Jurnal Manajemen 14, no. 1 (2023): 72. http://dx.doi.org/10.32832/jm-uika.v14i1.9785.

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<p><strong><em>One of the concepts that can be offered to solve the problem of the global economic crisis is the Islamic economic system, the application of which is integrated into the existing economic system. The Islamic Finance Institution in Indonesia has a great opportunity to be developed. Profit and Loss Sharing (PLS) can be used as an alternative solution to replace the interest system. The purpose of this study is to discuss the islamic banking practice model with capital from waqf, with PLS operational system, and followed with charity zakat activities. The writing

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Ade, GUNAWAN, and SYAIFUDDIN Tsalis. "SHARIA BANKING IN INDONESIA: MANAGEMENT AND MARKETING STRATEGY." Annals of the University of Craiova for Journalism, Communication and Management 8, no. 1 (2022): 121–29. https://doi.org/10.5281/zenodo.7470311.

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This study aims to determine how the form of management and marketing strategy of Sharia banks in Indonesia in increasing the number of customers. This research is called a case study because it uses a special case as a research subject for Sharia banks in Indonesia and the object of the research is the management and marketing strategy of Sharia banks. Data collection techniques used in the research include literature, interviews, and documentation. In analyzing this data the method used is the research method is qualitative, non-statistical descriptive. The results of this study conclude tha

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