Journal articles on the topic 'Islamic windows'
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Hasan, Arief Ichwanul, and Tastaftiyan Risfandy. "Islamic Banks’ Stability: Full-Fledged vs Islamic Windows." Journal of Accounting and Investment 22, no. 1 (January 14, 2021): 192–205. http://dx.doi.org/10.18196/jai.v22i1.10287.
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Research aims: This paper investigates whether Islamic windows have better stability than full-fledged Islamic banks.Design/Methodology/Approach: A sample of 14 Islamic banks and 19 Islamic windows banks in Indonesia from 2013 to 2018 was used in this study. Both ordinary least squares and panel fixed effects were employed to examine the stability of both Islamic banks’ types.Research findings: Our empirical result suggested that full-fledged Islamic banks were less stable than their Islamic windows counterparts. This result remained consistent after running the model with different estimators and conducting various robustness tests.Theoretical contribution/Originality: Our result implies that Islamic windows could enjoy their market position to maintain stability without converting themselves into full-fledged Islamic banks because the Islamic banking market's current condition is highly competitive.Practitioner/Policy implication: Our empirical evidence supports the Indonesian governments' policy in converting Islamic windows banks into full-fledged Islamic banks if the market's competitive condition is well monitored by the regulators.Research limitation/Implication: This research result is limited only to the Indonesian setting and can be different if the analysis is taken using a sample from other countries.
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Nagimova, Almira Z. "Islamic windows: Case of Malaysia and lessons for the post-Soviet countries." Russian Economic Journal, no. 2 (April 13, 2022): 100–113. http://dx.doi.org/10.33983/0130-9757-2022-2-100-113.
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The article discusses a model of increasing the availability of financial services in the post-Soviet countries through the creation of Islamic windows that built into the structure of traditional financial organizations. This study does not discuss issues of Islamic law related to Islamic windows. The article is also not an introduction to Islamic banking. Instead, based on the evidence obtained mostly from Malaysia we show the evolution of the Islamic financial industry, one of the important stages of which was the launch of Islamic windows. We describe advantages and disadvantages of the Islamic window model, as well as the recent experience of other developing countries in adapting this model in their jurisdictions. The article aims to offer recommendations, including a system of strategic and operational decisions, for launching of Islamic windows, taking into account the innovative experience of Malaysia. In particular, a qualitative approach (literature review, content analysis, case studies, in-depth expert interviews) is used to identify problems and obstacles facing banking regulators and market participants in creating Islamic windows. The results of this study allowing to identify important details will be useful to participants and organizers of the Islamic financial market in the post-Soviet area. This study can also be used in the educational process as a reference material on Islamic financial practices that have developed in the world.
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Ratnasari, Nissa Ghulma, Sri Rahayu Hijrah Hati, and Dony Abdul Chalid. "Full-Fledged VS Islamic Bank Windows: Which One Do Muslim Consumers Know Better and Prefer More?" IQTISHADIA 14, no. 2 (December 15, 2021): 301. http://dx.doi.org/10.21043/iqtishadia.v14i2.9967.
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<p>The study aims to compare the knowledge of and preference for the Islamic banking window and the full-fledged Islamic bank among Muslim customers. Data were collected from 1171 banking clients. Data were analyzed using descriptive analysis. The results show most Muslim customers do not know the difference between the full-fledged Islamic bank and the Islamic banking window. Yet, most Muslim customers favor the full-fledged Islamic bank to the Islamic windows since it is perceived to be more sharia compliant. Thus, the study theoretically contributes to Muslim banking behavior literature by providing empirical evidence on customer knowledge and preference in choosing an Islamic bank. Besides, the study provides knowledge to both the Islamic bank windows and full-fledged Islamic bank on the Muslim customers' understanding of both channels' availability.</p>
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Keller, Sarah. "Islamic Geometry Reinterpreted." Manazir Journal 3 (March 7, 2022): 30–44. http://dx.doi.org/10.36950/manazir.2021.3.3.
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In the second half of the nineteenth century, there was a growing interest in Western countries for Islamic stucco glass windows, which were known from descriptions in books and as imported artifacts. Among the oldest publications is Émile Prisse d’Avennes’ (1807-1879) L’art arabe d’après les monuments du Kaire depuis le VIIe siècle jusqu’à la fin du XVIIIe. One year after its publication in 1877, its illustrations inspired the geometrical patterns of the windows of the Moroccan House, a neo-Moorish pavilion in the park of Linderhof Palace (Ettal, Germany).
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EmirHidayat, et. al., Sutan. "Islamic Banking windows Vs Islamic Banking Subsidiary: Educators' Opinion In Bahrain." International Journal of Pedagogical Innovations 4, no. 2 (July 1, 2016): 99–102. http://dx.doi.org/10.12785/ijpi/040201.
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FLOOD, F. B. "The Earliest Islamic Windows as Architectural Decoration." Persica 14 (January 1, 1992): 67–89. http://dx.doi.org/10.2143/pers.14.0.2016383.
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Mir, Shabana. "Windows of Faith." American Journal of Islam and Society 18, no. 4 (October 1, 2001): 195–99. http://dx.doi.org/10.35632/ajis.v18i4.2000.
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Windows of Faith provides a space where Muslim women speak forthemselves and challenge rigidly traditionalist voices that have often hadhegemonic status in Islamic jurisprudential works regarding women. It is avolume that represents the voices of some of the most highly regardedMuslim women scholars and activists today. The book appears to cater toa primarily academic audience, and one that is familiar with the tradition ofIslamic feminism.In her introduction, Gisela Webb describes the overall approach ofthe contributors as challenging hegemonic discourse in many circles. Itchallenges: elements within the Muslim and the non-Muslim imaginationthat define Muslim women as mute victims; western feminist patriarchytoward Muslim women; and also the Muslim cultural patriarchy thatappropriates the sources of Islamic law and praxis yet, in the view of(probably all of) these women, has abandoned the essential Divineegalitarian purposes. Windows of Faith is a refreshing read, especiallydue to today’s urgent need to respond to the Qur’anic challenge: Do theynot reflect?In the first part (Qur’anic/rheological Foundations) Amina Wadud’spiece “Alternative Qur’anic Interpretation and the Status of MuslimWomen” explores neo-traditionalist and secular approaches towardalternative interpretation of the Qur’an regarding the status of women. Itis interesting to examine her comment, “Being anti-Western has becomea basis for legitimacy in ‘Islam’ ” against some of Maysam al-Faruqi’scomments in her chapter, which seem to dichotomize “Islamicness” withwesternness in the context of gender relations. In the second chapter“Muslim Women’s Islamic Higher Learning as a Human Right,” NimatBarazangi seeks, through an analysis of qualitative research with Muslimwomen, to develop an “action plan for the Muslim woman” in the postmodemera, “to regain her identification with Islam.” The need of the houris to “reinstate woman as an educational agent, both at home and at themosque one who herself will outline her priorities as a trustee entrustedwith changing history toward social justice.” Will we see womenas weil as men delivering khutaba and instituting policies in mosques ...
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Belwal, Rakesh, and Ahmed Al Maqbali. "A study of customers’ perception of Islamic banking in Oman." Journal of Islamic Marketing 10, no. 1 (March 4, 2019): 150–67. http://dx.doi.org/10.1108/jima-02-2016-0008.
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Purpose The concept of Islamic banking (IB) as a discipline and the introduction of the full-fledged Islamic banks and Islamic windows are relatively newer developments in the banking sector in Oman. This paper aims to assess customers’ perceptions of the Islamic banks and IB windows in Oman. Design/methodology/approach Following the interpretive paradigm and an exploratory research design, data collected through personal interviews with a group of 60 respondents in two of the prominent cities in Oman were analysed qualitatively. Findings The study found that customers in Oman had mixed feelings about the Islamic Banks. While some of them were not sure if the banks follow the Islamic principles, a majority of them had not opened an account with the Islamic banks or Islamic windows. The study revealed some vulnerabilities in the areas of their operations, marketing practices, staff knowledge of products and customer-dealings, as well as customers’ understanding of Islamic banks, their principles and practices. Practical implications As the advent of IB is relatively new to Oman, the insights gained by this study will have wider implications for the growth of IB locally. The outcomes of this study would appraise the officials and regulators of Islamic banks and Islamic windows with customers’ perception of IB. The elimination of the identified weaknesses would help them to improve the knowledge, quality and the marketing and promotion of products and services while competing with the conventional banks. Originality/value This study is a pioneering effort to know the status of IB and customers’ motivations in Oman towards IB.
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Boone, Christophe, and Serden Özcan. "Oppositional Logics and the Antecedents of Hybridization: A Country-Level Study of the Diffusion of Islamic Banking Windows, 1975–2017." Organization Science 31, no. 4 (July 2020): 990–1011. http://dx.doi.org/10.1287/orsc.2019.1338.
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Little is known about when and where hybrid organizations diffuse. We argue that neo-institutional perspectives, which stress the constraining role of market categories and institutional logics, have to be complemented with demand-side perspectives that stress the enabling force of economic incentives to explain the origins of hybrids. We develop theory to predict the country-level diffusion of hybrid forms in Islamic banking in the 1975–2017 period, during which many conventional banks invaded the domain of Islamic banking by starting to sell Islamic banking services, or so-called “Islamic windows.” Our findings underscore the relevance of simultaneously studying the impact of constraining and enabling forces. Consistent with neo-institutional theory, we find strong evidence that a lack of constitutive legitimacy of the window form—only in countries where Muslims make up a large share of the population—and the ideological polarization of local audiences reify the ideological boundaries between the oppositional banking logics, which in turn hampers the diffusion of windows in the focal country. At the same time, however, it appears that the failure of local credit markets and country-level economic globalization, the latter even more in countries with a Muslim majority, provide potent economic incentives for the diffusion of windows. By stressing the role of utilitarian incentives and material exchange as drivers of hybridization, we bridge the gap between neo-institutional and more rationalist approaches of institutional change.
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M. Hafez, Hassan, and Mona Halim. "The efficiency of Islamic banks versus conventional banks: an empirical study of an emerging economy." Banks and Bank Systems 14, no. 2 (May 17, 2019): 50–62. http://dx.doi.org/10.21511/bbs.14(2).2019.05.
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The purpose of this study is to investigate the efficiency of two different banking systems operating in Egypt (Islamic versus conventional banks). A sample of 35 banks has been used to examine the technical efficiency before and after the financial crisis using data envelopment analysis model. Evaluating the technical efficiency of Egyptian banks will enable policymakers to support which banking system is more efficient to facilitate the financial inclusion and enhance the economic development.Before the financial crisis, conventional banks outperformed conventional banks with Islamic windows and Islamic banks, scale technical efficiency outperformed pure technical efficiency when analyzing conventional banks and conventional banks with Islamic windows. In terms of Islamic banks, pure efficiency outperformed scale efficiency. After the financial crisis, technical efficiency of all banks decreased. However, pure technical efficiency of Islamic banks has improved as a result of the quality of management and outperformed both conventional banks and conventional banks with Islamic windows. These results imply that Islamic banks have not been affected by the financial crisis. Therefore, the increased adoption and support of the Islamic banks in Egypt is addressed to develop the economy and push forward entrepreneurship projects, support the financial inclusion and the informal economy integration.
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Chenguel, Mohamed Bechir, Abdelkader Derbali, and Meriem Jouiro. "Installing Islamic banking windows in conventional bank: Effects on performance." International Journal of Financial Engineering 06, no. 04 (December 2019): 1950033. http://dx.doi.org/10.1142/s2424786319500336.
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Islamic finance products have become very common in financial transactions, and thus offer new business opportunities. The objective of our study was to investigate the effect of distributing Islamic banking products on the financial performance of commercial banks, over a period of seven years (2010–2017). We use a Correlation analysis to carry out the strength of the relationship between our dependent variable: bank performance variable: return on assets, and independent variables which are Islamic products. Studying the variables collected, we found evidence that there was a significant positive relationship between bank performance: return on asset and Murabaha, Mudaraba, although Ijara had a positive relationship with return on assets but not significant. We notice that all the available Islamic products in commercial banks used, had a positive significant relation with the exclusion of Ijara which had positive insignificant relationship. This implies that an increase in using Islamic banking products in commercial banks will lead to increase in conventional Banks performance.
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Shabbir, Malik Shahzad. "Nexus between customer preference and operation of conventional banks Islamic windows in Pakistan." Journal of Islamic Marketing 11, no. 1 (July 4, 2019): 50–65. http://dx.doi.org/10.1108/jima-03-2018-0063.
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Purpose The purpose of this study is to investigate the nexus between preferences of customers toward operations of Islamic windows from conventional banks. However, financial institution system of any country has a dominant importance for its growth level. This study makes a comparative analysis and nexus among Islamic windows of conventional banks, Islamic and conventional banks. Design/methodology/approach A well-designed questionnaire has been made and distributed among three types of bank customers to get their perception and preference regarding services qualities and operations from all three types of financial institutions. This study used statistical package of social sciences software for data analysis. Findings The results revealed that customers from Islamic windows have serious dispute on its Shariah-compliant regulation and fifty one per cent (51 per cent) of customer did not trust on the member of Shariah board. The mid age of customers preferred the services of Islamic windows, as it has multi-dimensional options for customers. Finally, customers from almost all three types prestigious that technology has found a significant impact for better service qualities and found a positive change in customer behavior. Originality/value This study is a first ever attempt in its nature to investigate that the customer’s preferences and different operations exist in three types of banking system in Pakistan. This study also helps to policymakers regarding customer needs and wants to provide better services.
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Benamraoui, Abdelhafid, and Yousef Alwardat. "Asymmetric Information and Islamic Financial Contracts." International Journal of Economics and Finance 11, no. 1 (December 15, 2018): 96. http://dx.doi.org/10.5539/ijef.v11n1p96.
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This research paper aims to examine the relevance of asymmetric information to the two main financial contracts used by Islamic banks or conventional banks with Islamic windows, mudaraba and musharaka. We use theoretical proofs to explain how asymmetric information affects mudaraba and musharaka contract in terms of bank cost and yield and how to account for the adverse selection and moral hazard costs when calculating bank net profit or loss. We also provide suggestions supported by key modern theories including signalling, comparative advantage and incentives to resolve asymmetric information problems in the Islamic financial contracts. The research paper shows that asymmetric information is relevant to both mudaraba and musharaka contracts and directly affects Islamic banks and conventional banks with Islamic windows cost and yield. The paper also reveals that signalling and incentives are effective tools to deal with asymmetric information in Islamic financial contracts. Finally, the paper shows that Islamic finance providers need to opt for more secure financing, particularly with small borrowers.
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Ahmad, Ashfaq, Aamir Sohail, and Abid Hussain. "EMERGENCE OF FINANCIAL TECHNOLOGY IN ISLAMIC BANKING INDUSTRY AND ITS INFLUENCE ON BANK PERFORMANCE IN COVID-19 SCENARIO: A CASE OF DEVELOPING ECONOMY." March 2021 37, no. 01 (March 30, 2021): 97–109. http://dx.doi.org/10.51380/gujr-37-01-09.
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Technological intervention and financial innovation are an essential element for the banking sector especially in post-Covid 19 scenario. Islamic banking industry has also no exception and Islamic banks could attain institutional objectives over financial technology. The motivation behind research is to investigate emergence of financial technology in Islamic Banking Industry and its Influence on Bank Performance. The population of the study consists of Islamic banks and windows of Islamic banks operating in Pakistan. The sample size consists of four Islamic banks, five Islamic windows of conventional banks, and State bank of Pakistan. Purposive sampling technique was used by researcher. Semi-structured interviews were conducted and NVIVO software was used for data analysis. Findings indicate that technologies used by different banks to serve the customer are blockchain, mobile banking, customer relations management, cyber security, cloud banking, and fintech start-up. Reaction and response of the Islamic finance industry to the rise of financial technology and its impact on Pakistan is obvious.
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Kurash, N., S. Makysh, and G. Kantoroeva. "Prospects and opportunities for the development of Islamic finance in Kazakhstan: opening Islamic windows." ECONOMIC Series of the Bulletin of the L.N. Gumilyov ENU, no. 4 (2021): 181–92. http://dx.doi.org/10.32523/2789-4320-2021-4-181-192.
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Abu Hafiza, Suha Mufid, and Ahmad Sufyan Che Abdullah. "Creation of Islamic windows within conventional banks in Palestine." Bait Al Mashura Journal, no. 11 (October 1, 2019): 153–89. http://dx.doi.org/10.33001/m011020191161.
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يهدف هذا البحث إلى اقتراح إنشاء نوافذ للمعاملات الإسلامية في البنوك التقليدية في فلسطين، وذلك لعدم كفاية البنوك الإسلامية من جهة، وللتخلص من المعاملات المصرفية المحرمة من جهة أخرى، وقد تم اتباع المنهج الوصفي للتعرف على مفهوم النوافذ الإسلامية في البنوك التقليدية ومناقشة التحديات التي تواجه إنشاءها والتعرف إلى عوامل نجاحها. وخلص هذا البحث إلى أن إنشاء نوافذ إسلامية في فلسطين قد يسهم في تفكير البنوك التقليدية جدياً بالتحوّل بشكل تدريجي أو كامل إلى بنوك إسلامية مستقبلاً؛ إذ تعد النوافذ خطوة في طريق التحوّل المصرفي. يوصي البحث بضرورة زيادة الوعي والتثقيف المصرفي بين أفراد المجتمع الفلسطيني وترسيخ فكرة المصرفية الإسلامية بشكل أفضل،وسن قوانين تراعي خصوصية التمويل الإسلامي فيها. الكلمات المفتاحية: النوافذ الإسلامية، البنوك التقليدية، فلسطين.
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Talba, Jibril Musa, Mohammed Lawal Ibrahim, and Umar Babagana Imam. "THE PERCEPTION ON THE CONTRIBUTION OF ISLAMIC BANKS AND ISLAMIC WINDOWS TOWARDS THE GROWTH OF NIGERIAN ECONOMY." Journal of Islamic Monetary Economics and Finance 5, no. 3 (November 1, 2019): 603–22. http://dx.doi.org/10.21098/jimf.v5i3.1033.
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This study was to assess the perception on the contribution of Islamic banks and Islamic windows towards the growth of the Nigerian economy. To document this, data were obtained through the use of structured questionnaires. 379 copies of questionnaires were administered based on the sample size obtained via the use of Taro Yamane formula. 367 questionnaires were successfully retrieved. Variables such as deposit activities, loan activities and perception of bank employees were also adopted as explanatory or independent variable and dependent variable respectively. To support the study hypothesis were also formulated. For the analysis, measures of central tendency (tables, frequency and percentages) and inferential statistics (Logit Regression) were used. The result revealed that the variables (i.e. deposit and loan activities) have a positive impact on the growth of Nigeria’s economy because the probability values of the variables (P=0.003 and 0.019) were less than alpha (α =0.05) level of significance. In other words, this implies that Islamic banks and windows have largely supported private consumption, business investments of its customers, aid government spending via sukuk to fund developmental projects of its customers. The study concludes that Islamic banks and windows have contributed towards the growth of the Nigeria’s economy. Furthermore, the study recommends that there is need for creating the necessary legal framework to ensure its smooth operations, intensify efforts on creating public awareness, rolling out more shariah compliant products that can take care of the peculiarities that exist in business environment and training and retraining of staff on effective Islamic banking.
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Ben Othman, Hakim, and Hounaida Mersni. "The use of discretionary loan loss provisions by Islamic banks and conventional banks in the Middle East region." Studies in Economics and Finance 31, no. 1 (February 25, 2014): 106–28. http://dx.doi.org/10.1108/sef-02-2013-0017.
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Purpose – The purpose of this paper is to study earnings management practices of Islamic banks and conventional banks in the Middle East region. First, the authors examine factors that may influence Islamic banks managers' use of discretion in reporting loan loss provisions (LLP). Second, the authors investigate differences that may exist between Islamic banks and non-Islamic banks in terms of discretionary loan loss provisions (DLLP) used to manipulate accounting earnings. Design/methodology/approach – This empirical study uses an unbalanced panel data of 21 Islamic banks, 18 conventional banks with Islamic windows and 33 conventional banks, from seven Middle East countries during a period that ranges from 2000 to 2008. The authors use a two-stage approach in order to examine factors that may influence the use of discretion by Islamic banks' managers. Findings – The empirical results reveal that Islamic banks use DLLP for both earnings and capital management. External financing is also found to be a determinant of DLLP. Additional findings show no significant differences among Islamic banks, conventional banks with Islamic windows and conventional banks in using DLLP. These three groups of banks behave similarly in terms of discretion based on DLLP. Practical implications – The findings are potentially useful for regulators, auditors and investors. This study provides regulators with insights to strengthen their financial regulations in order to improve accounting quality. In addition, it helps auditors when considering the provisioning policies adopted by banks in order to detect specific manipulations of accounting earnings. The results may also help investors to focus on the impact of managerial discretion on accounting earnings for evaluation purposes. Originality/value – This study contributes to the literature on Islamic banking. On the one hand, it extends prior research by examining the discretionary component of LLP, instead of being restricted to total LLP. On the other hand, it compares the use of discretion among three groups of banks: full Islamic banks, conventional banks with Islamic windows and full conventional banks.
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Solodovnik, Dilyara M., and Damir Z. Khairetdinov. "FEATURES OF THE ISLAMIC ECONOMY AND THE PRACTICAL IMPLEMENTATION OF ISLAMIC BANKING." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 2, no. 1 (2022): 45–50. http://dx.doi.org/10.36871/ek.up.p.r.2022.01.02.007.
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The article discusses the features of the functioning of the Islamic economy, which has specific tools for functioning on the basis of the Holy Scriptures. After centuries, these mechanisms have been effectively used by the banking sector, meeting the needs of the development of the world economy. An attempt is made to compare modern banking terminology with traditional concepts of Islamic banking. Historical examples of the use of Islamic instruments of financial and economic activity are given, as well as objective facts and figures that indicate the huge volumes of assets regulated by elements of Islamic banking in Islamic and Western countries. The special role of the so-called Islamic windows in numerous Western banks is noted.
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Oktaviani, Intan Herlina, and Muhammad Budi Prasetyo. "Spin-off Decision Making in Islamic Windows of Financing Companies." Jurnal Minds: Manajemen Ide dan Inspirasi 8, no. 2 (September 21, 2021): 191. http://dx.doi.org/10.24252/minds.v8i2.21902.
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Decision-makers must consider many factors in carrying spin-off. The previous literature discussed more results on academics, non-financial companies, or Islamic banking. This paper proposes essential criteria to use in the analysis of financing company spin-off decisions. This article uses the AHP method by distributing questionnaires to the Directors of financing companies entitled to make spin-off decisions to determine the priority of the criteria and sub-criteria in question. The results show that financial condition is an essential criterion in making spin-off decisions. As for the Islamic financing business concept and strategy, the rate of return and growth are the top ranks for the sub-criteria chosen by the spin-off decision-maker.
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Shahzad Bukhari, Khuram, Hayat M. Awan, and Faareha Ahmed. "An evaluation of corporate governance practices of Islamic banks versus Islamic bank windows of conventional banks." Management Research Review 36, no. 4 (March 22, 2013): 400–416. http://dx.doi.org/10.1108/01409171311315003.
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Mohamed Hafez, Hassan Mohamed. "Examining the Relationship between Efficiency and Capital Adequacy Ratio: Islamic versus Conventional Banks --- An Empirical Evidence on Egyptian Banks." Accounting and Finance Research 7, no. 2 (April 29, 2018): 232. http://dx.doi.org/10.5430/afr.v7n2p232.
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This paper aims to investigate the relationship between the efficiency of banks in Egypt and capital adequacy ratios. We collected data on a sample of 40 banks comprising Islamic banks, conventional and conventional banks with Islamic windows pre and post the global financial crisis from year 2002 to 2015. We used data envelopment analysis liner programming (DEA) to calculate the efficiency of banks then we used a panel regression analysis through the application of Eviews software to investigate the relationship between the efficiency of banks and capital adequacy ratios. Pre the financial crisis, results, concluded that, there is a significant positive relationship between the efficiency of banks and capital adequacy ratios, credit risk, profitability, bank size and the quality of management. Whilst a significant negative relationship with the liquidity. The efficiency of conventional banks outperformed the efficiency of Islamic and conventional banks with Islamic windows. The increase in capital follows an increase in the level of risk borne by banks and increases capital adequacy ratios which leads to a rise in the loan portfolio and therefore, increase the level of loans provisions, which confirms the high level of efficiency for banks. Capital increase provide an additional protection against any additional risks. Post the financial crisis, the efficiency of banks has been affected especially for conventional banks. The efficiency of conventional and conventional banks with Islamic windows shows a negative significant relationship with capital adequacy ratios. The efficiency of Islamic banks outperformed other banks and shows a positive significant relationship with capital adequacy ratios. Results revealed that the efficiency of banks determines the level of capital and risk borne by banks.
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Mahdavinejad, Mohammadjavad, Sanaz Ahmadzadeh Siyahrood, Mohammadhossein Ghasempourabadi, and Mona Poulad. "Development of Intelligent Pattern for Modeling a Parametric Program for Public Space (Case Study: Isfahan, Mosalla, Iran)." Applied Mechanics and Materials 220-223 (November 2012): 2930–35. http://dx.doi.org/10.4028/www.scientific.net/amm.220-223.2930.
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Islamic arts consist of several parts and could be noticed in works such as tiling, plaster works, stalactite work and etc. As well as in windows templates, wooden doors. The geometrical patterns as a part of Islamic arts have a ground for parametric program. This paper studies about the patterns that have emerged from Iranian traditional geometry and possess the ability to be changed into an intelligent pattern; followed by assessing characteristics that would make them parametric. The results were compared with Isfahan Mosalla, as the largest complex of metal shell with the dome-shape special structure that includes single welded mesh layer with nodes works and net pattern of classic wooden window, as a case sample. In conclusion, the reason of using the pattern worked in ceiling structure of the building has been discussed. This building is one of the valuable works that fairly reveal joining local architecture patterns with space-work structures system. Keywords: Intelligent pattern, Modelling, Parametric program, Islamic pattern.
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Irvani, Ahmad. "INGGRIS SEBAGAI SENTRAL KEUANGAN ISLAM DI BARAT." ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM 1, no. 1 (June 30, 2016): 120–43. http://dx.doi.org/10.32923/asy.v1i1.668.
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United Kingdom is a country that is predominantly by non-Muslim, but development of Islamic banking and finance is very good. This is evidenced by the operation of six full sharia bank and the sixteen banks that serve Islamic windows. Sukuk deals for investors is also growing as evidenced by the increasing demand on the London Stock Exchenge with a total of £51 billion. Likewise with takaful products, UK re/insurance markets that are transacting Islamic finance. As one of the largest insurance markets in the world, and the leading global centre for wholesale insurance and reinsurance, the UK has the potential to support the growth of takaful business in the coming years. The development of Islamic banking and finance did not escape from the multicultural population of the UK. From the research, UK residents both Muslims and non-Muslims showed 66% of respondents believe the Islamic financial system is suitable for western economic communities such as the UK. 65% of respondents understand the workings of Islamic banking differs from conventional banking workings. 60% of respondents agree Islamic banking relevant to all religions. 57% of respondents also knew of Islamic banking to give the profit, not the interest. This means that they responded positively to the products offered Islamic banking and finance. There are several factors that lead to Islamic banking and finance can be grown in the UK, there are: including the global expansion of Islamic financial, single banking and financial regulator, public policy and taxation, the establishment of the Islamic Bank of Britain, the excess liquidity in the Middle East, Islamic windows of regular banks, and the development of educational and training institutions in the UK. This paper will describe the history of Islamic banking and finance in the UK, its development, factors that support and the its future prospects for giving additional knowledge to the academics and practitioners.
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Sarea, Adel. "Web-portal financial reporting disclosure in Emirati Islamic banks and Islamic windows: gauging levels and assessing determinants." International Journal of Accounting and Finance 11, no. 1 (2021): 82. http://dx.doi.org/10.1504/ijaf.2021.120606.
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Sarea, Adel. "Web-portal financial reporting disclosure in Emirati Islamic banks and Islamic windows: gauging levels and assessing determinants." International Journal of Accounting and Finance 11, no. 1 (2021): 82. http://dx.doi.org/10.1504/ijaf.2021.10044670.
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Astuti, Novi Tri, and Siti Suharni. "Pengaruh Intellectual Capital, Islamic Corporate Social Responsibility, dan Islamic Corporate Governance Terhadap Kinerja Perbankan Syariah di Indonesia Periode 2016-2018." JAMER : Jurnal Akuntansi Merdeka 1, no. 1 (November 19, 2020): 15–22. http://dx.doi.org/10.33319/jamer.v1i1.24.
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Abstract— This study aims to examine the influence of Intellectual Capital, Islamic Corporate Social Responsibility, and Islamic Corporate Governance on the Performance of Islamic Banking in Indonesia. Technique in intake of sample use method of purposive sampling. Data obtained from the secondary data is the annual report of 11 Islamic Commercial Banks in Indonesia registered in OJK over a period of years 2016-2018. Data analysis was done with a doble linier regression with SPSS program version 16.00 for windows. The results showed that the variable Intellectual Capital has significantly affect on financial performance of Islamic Banking in Indonesia 2016-2018 Period. While the variables Islamic Corporate Social Responsibility and Islamic Corporate Governance is no significantly affect on financial performamce.of Islamic Banking in Indonesia 2016-2018 Period. Keywords—: Intellectual Capital; Islamic Corporate Social Responsibility; Islamic Corporate Governance; Performance of Islamic Banking.
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Chourana, Mohamed, Sana Bensayah, and Aghilas Kashi. "The System of Governance in Malaysia, and the Extent of its Effectiveness in Islamic Banks and their Windows in Algeria." Al Hikmah International Journal of Islamic Studies and Human Sciences 4, Special Issue (June 28, 2021): 75–103. http://dx.doi.org/10.46722/hkmh.4.si.21c.
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This study aimed mainly at identifying the principles of governance in Islamic banks and measuring the extent to which these principles are applied in Islamic banks in Algeria, because what distinguishes Islamic banking is the existence of a Sharia supervisory board that looks at the activities and contracts that result from it. Islamic law as a reference for it in all items. Some countries, on top of them Malaysia, have established the Sharia advisory board at the level of the Central Bank of Malaysia, which is the authority empowered to verify the implementation of the provisions of Islamic law and its obligation in the work of Islamic banks Which represents the Sharia governance of Islamic banks. This research studies the extent to which the political administration provides the necessary infrastructure for the development of the emerging Islamic financial industry in Algeria in all fields, legal, sharia and Financial. Is it possible to establish a Sharia governance system with its controls and standards in the management of Islamic banks in Algeria, and to establish a central law for advisory and Sharia councils? And to what extent is the governance system considered and the extent of its effectiveness considered in Islamic banks, taking advantage of the Malaysian experience? Especially since Algerian Islamic banks do not have the confidence of civil society due to the absence of legitimate governance foundations in them.
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MAZA, RINA EL, and EGI PUTRA SETIAWAN. "FASILITAS DISKONTO (DISCOUNT WINDOWS) SEBAGAI INSTRUMEN MONETER DITINJAU DALAM PERSPEKTIF EKONOMI ISLAM." Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan 4, no. 1 (June 30, 2019): 71. http://dx.doi.org/10.15548/al-masraf.v4i1.236.
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The government has an important role in the welfare of the people's economy. One of them is through the role of the central bank by carrying out monetary policy. This policy was adopted by the central bank or Bank Indonesia (BI) through several instruments, including through regulating discount rates for commercial banks. In this case, BI sets the inflation target as a reference for determining interest rates. When the inflation rate exceeds the targeted, BI will raise interest rates which in turn will reduce the credit issued by commercial banks to the public, because commercial banks must pay higher interest rates to the central bank. And the results of the analysis that the interest rate charged in the credit (Lending Facility) discount facility is classified as an act of usury. Meanwhile, the profits obtained from the deposit of funds in the Facility Deposit transaction are not permitted in the Islamic economy, because in the Islamic economy there is no interest rate but profit sharing, given the fixed and concrete interest rates. In addition, the discount facility is also incompatible with some Islamic economic principles, including; the principle of Illahiyah, Justice, and the government.
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Masiukiewicz, Piotr. "Multicultural issues in the development of Islamic banking." Journal of Intercultural Management 6, no. 3 (September 1, 2015): 167–76. http://dx.doi.org/10.2478/joim-2014-0027.
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Abstract Islamic banking is highly specific and is based on the Sharia law. This banking offers new products. which comply with the prohibitions of riba, maysir, gharar. Dynamic development of this banking in the word is the consequence of its opening to culturally diverse clients, and not only Muslims. Numerous researches demonstrate that many not-Muslim clients use the financial products which are offered in Islamic banks and in the “Islamic windows” in conventional banks. The Islamic banking offer is increasingly more often dedicated to the clients beyond the Muslim community, and at the same time the products dedicated to this community are offered by traditional banks. In this way the Islamic banking offer diffuses to other cultures.
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Purbayanto, Muhamad Anindya Hiroshi, Taufik Faturohman, Yulianti Yulianti, and Arson Aliludin. "DO ISLAMIC BANKS IN INDONESIA TAKE EXCESSIVE RISK IN THEIR FINANCING ACTIVITIES?" Journal of Islamic Monetary Economics and Finance 8, no. 1 (February 28, 2022): 149–60. http://dx.doi.org/10.21098/jimf.v8i1.1431.
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This study analyzes the risk-taking behavior of Indonesian Islamic Banks by examining whether the relation between financing Growth rate and non-performing financing (NPF). We employ threshold regression models and bank-level data of 24 Islamic banks (full-fledged Islamic banks and Islamic banking windows) covering the period from 2009 to 2019. We find evidence for the excessive risk-taking of Islamic Banks. More specifically, while the relation between NPF and FGR is negative when the one-lagged NPF is below the threshold (estimated to be 5.42%), it turns positive once it is above the threshold. This means that banks with NPF above the 5.42 percent threshold tend to take risky loans.
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Shawtari, Fekri Ali, Milad Abdelnabi Salem, and Izzeldin Bakhit. "Decomposition of efficiency using DEA window analysis." Benchmarking: An International Journal 25, no. 6 (August 6, 2018): 1681–705. http://dx.doi.org/10.1108/bij-12-2016-0183.
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Purpose The purpose of this paper is to examine empirically the efficiency types of Islamic and conventional banks. It seeks to show whether the efficiency level of conventional and Islamic banks significantly differs from each other. In addition, it investigates the influential factors on each type of efficiency. Design/methodology/approach The paper utilises the data envelopment analysis in its windows version to estimate the efficiency scores reflecting the time variance and compares between banking models. The paper uses pure technical efficiency (TE) and scale efficiency to achieve the objective of the study. In addition, the panel data technique is adopted to assess the determinants of the efficiency of the banks econometrically. Findings The findings of panel regression initially indicate that the pure TE is higher for conventional banks compared to Islamic banks. However, the Islamic banks are more scale efficient than their conventional counterpart. Macro and micro indicators have different impacts on the both types of efficiency. However, the unique factors that show consistent influence on the efficiency types were loans/finance, non-interest income/finance/liquidity and GDP. Furthermore, the determinants are shaped differently for Islamic and conventional banks when the banking model is controlled for. Originality/value This paper examines the efficiency types using a unique window analysis approach to examine the types of efficiency with a longitudinal set of data from 1996 to 2011.
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Chourana, Mohamed, Sana Bensayah, and Aghilas Kashi. "System of Governance in Malaysia, and the Extent of its Effectiveness in Islamic Banks and their Windows in Algeria." AL-HIKMAH: INTERNATIONAL JOURNAL OF ISLAMIC STUDIES AND HUMAN SCIENCES 4 (June 28, 2021): 75–103. http://dx.doi.org/10.46722/hikmah.v4i.126.
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هدفت هذه الدراسة إلى التعرف بصفة أساسية على مبادئ الحوكمة في المصارف الإسلامية وقياس مدى تطبيق تلك المبادئ في المصارف الإسلامية بالجزائر، لأنّ ما يميز الصيرفة الإسلامية هو وجود هيئة رقابية شرعية تنظر في الأنشطة والعقود التي تنتج عنها، وهذا ما يجعلها رائدة في عالم المال، لاتخاذ الشريعة الإسلامية مرجعا لها في كل البنود. ولذلك فإن بعض الدول وعلى رأسهم ماليزيا قامت بانشاء المجلس الإستشاري الشرعي على مستوى البنك المركزي الماليزي، وهو بمثابة السلطة المخولة بالتحقق من تطبيق أحكام الشريعة الإسلامية والإلزام بها في أعمال المصارف الإسلامية، وهو ما يمثل بالحوكمة الشرعية للمصارف الإسلامية. ويعمل هذا البحث على دراسة مدى توفير الإدارة السياسية على البنية التحتية اللاّزمة لتطوير الصناعة المالية الإسلامية في الجزائر الناشئة في كل أبعادها القانونية والشرعية والمالية، وهل يمكن إقامة نظام حوكمة شرعية بضوابطها ومعاييرها في إدارة المصارف الإسلامية بالجزائر، وإنشاء قانون مركزي للمجالس الاستشارية والشرعية؟ وما مدى اعتبار نظام الحوكمة ومدى فعاليته في المصارف الإسلامية، بالاستفادة من التجربة الماليزية؟ خصوصا وأن البنوك الإسلامية الجزائرية لا تحظى بثقة المجتمع المدني بسبب غياب أسس الحوكمة الشرعية بها
الكلمات المفتاحية: حوكمة شرعية، المالية الإسلامية، الجزائر، ماليزيا
Abstract
This study aimed mainly at identifying the principles of governance in Islamic banks and measuring the extent to which these principles are applied in Islamic banks in Algeria, because what distinguishes Islamic banking is the existence of a Sharia supervisory board that looks at the activities and contracts that result from it. Islamic law as a reference for it in all items. Some countries, on top of them Malaysia, have established the Sharia advisory board at the level of the Central Bank of Malaysia, which is the authority empowered to verify the implementation of the provisions of Islamic law and its obligation in the work of Islamic banks Which represents the Sharia governance of Islamic banks. This research studies the extent to which the political administration provides the necessary infrastructure for the development of the emerging Islamic financial industry in Algeria in all fields, legal, sharia and Financial. Is it possible to establish a Sharia governance system with its controls and standards in the management of Islamic banks in Algeria, and to establish a central law for advisory and Sharia councils? And to what extent is the governance system considered and the extent of its effectiveness considered in Islamic banks, taking advantage of the Malaysian experience? Especially since Algerian Islamic banks do not have the confidence of civil society due to the absence of legitimate governance foundations in them.
Keywords: Islamic governance, Islamic finance, Algeria, Malaysia
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Suzuki, Yasushi, and S. M. Sohrab Uddin. "Islamic bank rent." International Journal of Islamic and Middle Eastern Finance and Management 7, no. 2 (June 10, 2014): 170–81. http://dx.doi.org/10.1108/imefm-11-2013-0119.
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Purpose – This paper aims to draw on the bank rent approach to evaluate the existing pattern of financing of Islamic banks and to propose a fairly new conceptualization of Islamic bank rent. Design/methodology/approach – The bank rent theory is adopted to generate the theoretical underpinnings of the issue. After that, empirical evidence from the banking sector of Bangladesh is used to support the arguments. Findings – Repeated transactions under murabaha are observed in the Islamic banking sector of Bangladesh. The asset-based financing gives the Bangladeshi Islamic banks relatively higher Islamic bank rent opportunity for protecting their “franchise value” as Shari’ah-compliant lenders, while responding to the periodic volatility in transaction costs of profit-and-loss sharing. Research limitations/implications – The bank rent approach suggests that the murabaha syndrome can be ironically justifiable. On the other hand, the current profit-and-loss sharing risk provides an idea of the difficulty in assuming the participatory financing with higher credit risk in practice. Islamic scholars and the regulatory authority need to design an appropriate financial architecture which can create different levels of rent opportunities for Islamic banks to avail the benefit from the variety of Islamic financing as declared by Islamic Shari’ah. Originality/value – This paper introduces a fairly new concept of “Islamic bank rent” to make sense of the murabaha syndrome. This approach also contributes to clarifying the unique risk and cost to be compensated with the spreads that Islamic banks are expected to earn. To draw empirical evidence, as far as it could be ascertained, the data of both Islamic banks and conventional banks with Islamic banking windows/branches are used for the first time.
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Zulkifli, Zulkifli. "Pengaruh Kreativitas Dosen Terhadap Prestasi Belajar Mahasiswa Pada Matakuliah Ekonomi Mikro Di Program Studi Perbankan Syariah Jurusan Syariah dan Ekonomi Islam STAIN Watampone." Ekspose: Jurnal Penelitian Hukum dan Pendidikan 16, no. 1 (April 13, 2019): 276. http://dx.doi.org/10.30863/ekspose.v16i1.86.
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The purpose of this study is to find out how the influence of the creativity of lecturers in the learning process on student learning achievement in the Microeconomics Course in the Islamic Banking Study Program of the Sharia and Islamic Economics Department of STAIN Watampone. Data collection techniques used were questionnaires and documentation. The data analysis technique used is a simple linear regression with the help of SPSS 20.00 software for Windows. Based on the results of the study show that the creativity of lecturers in the learning process has a positive and significant effect on student learning achievement in the Microeconomics Course in the Islamic Banking Study Program of the Shariah and Islamic Economics Department of STAIN Watampone
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Alfaruqi, Farhana, and Andi Prastowo. "Perkembangan Asuransi Syariah di Inggris." AL-Muqayyad 4, no. 2 (December 31, 2021): 128–33. http://dx.doi.org/10.46963/jam.v4i2.467.
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Great Britain is a country where the majority of the population is non-Muslim, but the development of Islamic banking and finance is very good. This is evidenced by the operation of six full Islamic banks and sixteen banks that serve Islamic windows. Sukuk transactions for investors also increased as evidenced by increased demand on the London Stock Exchange with a total of £51 billion. Likewise with takaful products, the UK reinsurance market that deals in Islamic finance. As one of the largest insurance markets in the world, and a leading global center for wholesale insurance and reinsurance, the UK has the potential to support the growth of the takaful business in the years to come.
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Sari, Syarifah Ratih Kartika, and Djuwitawati Ratnaningtyas. "The Role of Intellectual Capital in Islamic Banking Performance in Indonesia." East African Scholars Journal of Economics, Business and Management 5, no. 10 (November 25, 2022): 386–92. http://dx.doi.org/10.36349/easjebm.2022.v05i10.017.
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This study evaluates how intellectual capital influences Islamic banking performance in Indonesia. The IB-VAICTM method for measuring intellectual capital has three components: human capital, employed capital, and structural capital. Simultaneously, the profitability ratio or ROA is utilized in Indonesia to evaluate the performance of Islamic banking. The strategy for collecting samples utilizes the method of purposive sampling. The secondary data comprises the annual reports of eleven Indonesian Islamic commercial banks registered with the Financial Services Authority (OJK) between 2016 and 2018. Using version 25.00 of the SPSS application for Windows, the data analysis approach is simple regression. Between 2016 and 2018, this study reveals that intellectual capital significantly impacts the performance of Islamic banking in Indonesia. This study reveals that Islamic commercial banks in Indonesia have incorporated the three components of intellectual capital efficiently.
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Masiukiewicz, Piotr. "Expansion of Islamic Finance in Europe." Journal of Intercultural Management 9, no. 2 (June 1, 2017): 31–51. http://dx.doi.org/10.1515/joim-2017-0007.
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Abstract The development of Islamic finance, their crisis-resistance and possibilities for using experience of this sector in conventional banking industry are being subject of studies in many countries, also non-Muslim ones. In this paper the author presented the analysis of Islamic finance development and its determinants basing on examples from Europe. Such banks and investment funds have a growing share in European markets, which is confirmed by the latest EY’s data. Main obstacles to Islamic finance development include, among others: incompatibility of legal regulations in non-Muslim countries, low demand among Islamic diaspora in Europe, shortage of qualified Sharia scholars, unsatisfactory standardization of Islamic financial products and accounting policies. International Islamic finance institutions (incl. AAOIFI and IFSB) play a significant part in overcoming them. Particularly beneficial legislative changes were introduced in Luxembourg, Germany, Russia and in the United Kingdom. Emerging of other Islamic banks, increase in number of Islamic windows in traditional banks and further development of Islamic investment funds in Europe are to be expected.
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Firmansyah, Rangga, Nazlina Shaari, Sumarni Ismail, Nangkula Utaberta, and Ismar Minang Satotoy Usman. "OBSERVATION OF FEMALE DORM PRIVACY IN ISLAMIC BOARDING SCHOOLS IN WEST JAVA, INDONESIA." Journal of Islamic Architecture 6, no. 4 (December 26, 2021): 360–68. http://dx.doi.org/10.18860/jia.v6i4.13091.
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In learning activity processes in Islamic boarding schools, students must study and live in a dormitory. It functions to replace a residential home where the privacy aspect should be taken into consideration. This study aims to observe the privacy aspects closely related to the female students' bedrooms, covering six elements examined in five case studies, including the sex-segregated dormitories, the main function of staying, visual privacy on the dimensions height of the windows, acoustic privacy, and olfactory privacy in terms of the connection between dormitory rooms. It was found that the privacy aspect in the dormitory room still lacked attention due to the addition of space functions and bathroom facilities in it. Meanwhile, adding personal facilities, such as storage and study areas, could enhance the students' privacy. Especially for the type of student bedroom, it is necessary to provide a place for drying clothes by utilizing the balcony area. Besides that, it is required to pay attention to the type, dimensions direction of window openings so that the level of privacy of female students will be more optimal.
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Ramadhani, Layla, and Sutrisno. "Factors Affecting Financing on Islamic Rural Bank in Yogyakarta and Central Java Province." International Journal of Economics, Business and Management Research 06, no. 06 (2022): 27–40. http://dx.doi.org/10.51505/ijebmr.2022.6603.
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The study aims to examine the factors that influence the amount of financing disbursed by Islamic Rural Banks. This study uses a sample of Islamic Rural Banks located in the Province of the Special Region of Yogyakarta and Central Java. The data was taken from the quarterly financial reports of Islamic Rural Banks available on the OJK official website from 2018 to 2020 and the number of samples is 37 Islamic Rural Banks. The tests were carried out using the SPSS version 22.0 program for windows. The results of this study indicate that Third Party Funds (TPF), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) have a positive and significant effect on Islamic Rural Banks financing. Non-Performing Finance (NPF) has a negative and significant effect on the financing of Islamic Rural Banks. Meanwhile, the Operational Cost of Operating Income (OEIR) has no significant effect on the financing of Islamic Rural Banks.
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Muthmainah, Qolbiyati, Salamatun Asakdiyah, and Taufik Hidayat. "PENGARUH STRUKTUR MODAL, UKURAN PERUSAHAAN DAN PROFITABILITAS TERHADAP HARGA SAHAM SYARIAH YANG TERDAFTAR DI JAKARTA ISLAMIC INDEX PERIODE 2015-2019." Eqien - Jurnal Ekonomi dan Bisnis 10, no. 2 (May 31, 2022): 191–94. http://dx.doi.org/10.34308/eqien.v10i2.631.
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This study aims to examine and analyze the effect of capital structure, firm size and profitability partially and simultaneously on Islamic stock prices. The object of research is a company listed on the Jakarta Islamic Index (JII) for the 2015-2019 period. The research method uses quantitative methods with causal research design (causality). The research sample was 12 companies for 4 years of research so that the number of observations in this study was 48 observations. The analysis technique in this study uses the IBM SPSS For Windows program with multiple linear regression models. The results showed that capital structure had an insignificant negative effect on Islamic stock prices, firm size had a positive and significant effect on Islamic stock prices, and profitability had a positive and significant effect on Islamic stock prices, and together with capital structure, firm size, and profitability. significant effect on Islamic stock prices.
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Putri, Afni Andita. "Islamic Value Marketing dalam Keputusan Pembelian Konsumen Onlineshop." RELEVANCE : Journal of Management and Business 1, no. 1 (June 30, 2018): 53. http://dx.doi.org/10.22515/relevance.v1i1.1273.
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Tujuan dari penelitian ini adalah untuk mengetahui Peran Islamic value marketing dalam Viral Marketing terhadap Keputusan Pembelian (Studi pada Onlineshop Nellcodoxshop Solo).Populasi dalam penelitian ini adalah konsumen dari Nellcodoxshop Solo. Teknik pengambilan sampel menggunakan teknik non probability sampling: purposive sampling, pengambilan sampel di ambil dari konsumen Nellcodoxshop yang sudah melakukan pembelian dengan total sampel 112 responden. Data dianalisis dengan menggunakan program SPSS fro Windows Release 20.0.Variabel dependen (Y) dari penelitian ini adalah Keputusan Pembelian. Variabel independen (X) dari penelitian ini adalah Viral Marketing dan variabel moderasi (Z) dari penelitian ini adalah Islamic value marketing. Metode penelitian ini adalah penelitian kuantitatif. Untuk analisis data dengan menggunakan analisis regresi moderasi. Hasil penelitian menunjukkan bahwa: (1) Viral Marketing berpengaruh terhadap Keputusan Pembelian pada konsumen Nellcodoxshop. (2) Islamic value marketing mampu memoderasi hubungan antara Viral Marketing dan keputusan pembelian pada konsumen Nellcodoxahop
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Muthoharoh, Zumrotul Riza. "Peran Mediasi Kepuasan Kerja Atas Hubungan Etika Kerja Islam dan Kinerja Karyawan Pada RS PKU Muhammadiyah Surakarta." RELEVANCE : Journal of Management and Business 1, no. 1 (June 30, 2018): 35. http://dx.doi.org/10.22515/relevance.v1i1.1296.
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ABSTRACTThis research addreses to determinate the effect of Islamic work ethics to employee performance and job satisfaction as an intervening variable in RS PKU Muhammadiyah Surakarta.The population in this study are all nurses RS PKU Muhammadiyah Surakarta totaling 258 nurses. The sampling tehnique used purposive sampling method and sample obtained 75 respondents. Data were analyzed using SPSS for Windows Release 20.0.The dependent variable (Y) of this research is employee performance. The independent variable (X) Islamic work ethic and for intervening variables (Z) is job satisfaction. This method used is quantitative research methods. For the method of data analysis self are using path analysis.The results of this showed that: (1) the work ethic Islam is influence positively significant for the employee performance. (2) Islamic work ethics influenced positively significant effect on job satisfaction. (3) Job satisfaction has a positively significant on employee performance. (4) The Islamic work ethic influenced toward employee performance by means job satisfaction as intervening variable.Keywords: Islamic work ethic, job satisfaction, employee performance
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Abduh, Muhamad, Shaheen Bibi Ramjaun, and Muhamad Mustaqim. "Bank Selection Criteria and SERVQUAL Survey among Muslims in Mauritius." QIJIS (Qudus International Journal of Islamic Studies) 6, no. 2 (August 24, 2018): 221. http://dx.doi.org/10.21043/qijis.v6i2.3756.
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As a Muslim minority country located far off the east coast of South Africa, Mauritius has successfully introduced Islamic finance since 1998. However, the development is not as expected since two Islamic banking windows were closed down and the only Islamic commercial bank in the country has been struggling hard in order to generate favorable expected profits. The aims of this study are to investigate the bank selection criteria among Muslims in Mauritius and to evaluate the customer satisfaction upon the Islamic banking service quality in the country. The findings show that privacy, easy access, service quality, facilities, transparency and bank reputation are the factors influence Muslim Mauritian to patronize bank and interestingly religion and religiosity are out of it. The importance – performance analysis is used to provide an interesting visual analysis on the service quality items examined. The findings suggest that Islamic banks must improve their Tangible and Reliability aspects in order to satisfy the customers and eventually become more profitable.
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Iswanaji, Chaidir. "Analysis of Accounting Information System Using Hot Fit Model Method in Indonesia Islamic Micro Financial Institutions." Applied Finance and Accounting 5, no. 2 (March 25, 2019): 1. http://dx.doi.org/10.11114/afa.v5i2.4172.
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Financial institutions need to provide technology-based services that facilitate access to information for communities in remote areas. This research aims first, reviewing the use of mobile banking in improving the quality of reporting and expanding the reach of financial services; second, the practice of utilizing mobile banking for Islamic microfinance institutions in Indonesia; third, evaluating the implementation of the Islamic microfinance information system in Indonesia. The research method used in this study is descriptive quantitative, with a sample of 100 accountants. Descriptive analysis was aided by SPSS 21.0 software for Windows. The results of this study indicate that; first, Mobile banking is the right mechanism to improve the quality of reporting and make the services of Islamic microfinance institutions accessible to the poor in remote areas of Indonesia. Second, the practice of utilizing accounting information systems in Islamic microfinance institutions is already good. Third, Overall, the application of accounting information systems at Islamic microfinance institutions in Indonesia can have a positive effect on improving the services of Islamic microfinance institutions both individually accountants and organizations.
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Cahyono, Eko Fajar, M. Faris Fadillah Mardianto, and Sylva Alif Rusmita. "Faktor Dominan pada Indeks Inklusi Perbankan Syariah Sektor Pertanian di Indonesia." Economica: Jurnal Ekonomi Islam 8, no. 1 (October 4, 2017): 55. http://dx.doi.org/10.21580/economica.2017.8.1.1826.
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<p>The importance of financial inclusion in Islamic Bank is not only affordable for business level, but also agricultural sector. Indonesian Islamic banking as one of the providers of financial services continued to grow, but its market share is still small compared with conventional banking. Therefore financial inclusion Islamic banking, especially in reaching out to the agriculture sector, need to be improved. This study aims to measure the value of financial inclusion Islamic banks in Indonesia province in reaching the agricultural sector, both provincial and district or city. Indexing method factor analysis (Principal Component Analysis) using 14 indicators that have been adapted to the concept of Financial Inclusion Index (FII). Data correlated with Islamic Financial Institution availability can be divided into two factors which are of Islamic banking (including Islamic windows of the conventional bank) and Islamic Rural Bank. The result of the analysis is indicating that the most dominant factor provided by Islamic banking (including Islamic windows of conventional Bank). The result also present the highest index score reached by West Java Province and East Java, while the lowest index score reached by East Nusa Tenggara and West Papua Province.</p><p>Keuangan inklusi bagi bank syariah sangatlah penting, bukan hanya memberikan pembiayaan pada sektor bisnis namun juga untuk sektor pertanian. Bank syariah di Indonesia sebagai salah satu lembaga keuangan yang terus berkembang memiliki potensi untuk mengembangkan keuangan inklusi walaupun pangsa pasar dari bank syariah masih lebih kecil dibandingkan konvensional. Keberadaan keuangan inklusi di bank syariah khususnya pada sektor pertanian masih perlu ditingkatkan Penelitian ini bertujuan untuk mengukur nilai keuangan inklusi di bank syariah pada sektor pertanian di seluruh provinsi yang ada di Indonesia, baik pada level provinsi, kabupaten dan kota. Penelitian ini menggunakan metode index faktor analisis (analisis komponen prinsip) dengan 14 indikator yang diadaptasi dari konsep Indeks Inklusi Keuangan. Data-data berkenaan dengan lembaga keuangan Islam yang tersedia dapat dibagi menjadi dua factor, yaitu faktor yang berkaitan dengan bank syariah (termasuk unit usaha syariah) dan Bank Pembiayaan Rakyat Syariah. Hasil analisis menunjukkan bahwa faktor yang paling dominan adalah faktor yang berkaitan dengan bank syariah dan unit usaha syariah. Hasil menunjukkan bahwa angka indeks tertinggi diraih oleh provinsi Jawa Barat dan Jawa Timur, sedangkan angka indeks terendah diraih oleh provinsi Nusa Tenggara Timur dan Papua Barat.</p>
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Khasanah, Nova Nur, Imron Arifin, and Ahmad Nurabadi. "Analisis Faktor Orang Tua Menyekolahkan Anak pada Sekolah Dasar Berbasis Islam di Kota Malang." Jurnal Pembelajaran, Bimbingan, dan Pengelolaan Pendidikan 1, no. 6 (July 26, 2021): 495–502. http://dx.doi.org/10.17977/um065v1i62021p495-502.
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Abstract: This study intends to explore the factors behind the choice of parents to send their children to Islamic based elementary schools in Malang city. The sample consisted of 162 class I parents using cluster/area sampling and proportional sampling. The data collection tool is a closed questionnaire. While data analysis uses SPSS 24.00 for windows. The results of the study obtained factors that influence the choice of parents to send their children to Islamic based elementary schools in Malang, namely religious factors, character education, school quality, potential development, and service.
Abstrak: Penelitian ini bermaksud untuk menggali faktor yang melatarbelakangi pilihan orangtua menyekolahkan anak pada SD berbasis Islam di Kota Malang. Sampel terdiri atas 162 orangtua kelas I dengan menggunakan cluster/area sampling dan proportional sampling. Alat pengumpul data adalah angket tertutup. Sedangkan analisis data menggunakan SPSS 24.00 for windows. Hasil penelitian diperoleh faktor yang mempengaruhi pilihan orangtua menyekolahkan anak pada SD berbasis Islam di Kota Malang yaitu faktor religi, pendidikan karakter, mutu sekolah, pengembangan potensi, dan pelayanan.
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Fatimah, Siti, and Siti Zariah. "Pengaruh Motivasi terhadap Minat Menabung di Bank Syariah." AL-Muqayyad 5, no. 1 (June 30, 2022): 1–10. http://dx.doi.org/10.46963/jam.v5i1.551.
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This research is motivated by the lack of interest of Islamic economics students at STAI Auliaurrasyidin Tembilahan in using Islamic banking products, even though as students who are engaged in Islamic economics, of course, they already know and understand Islamic banking, they should be able to contribute in helping the development of Islamic banking. This study aims to determine the significant effect of motivation on student interest in saving in Islamic banks. In this study, the research subjects were students of the Islamic Economics Study Program STAI Auliaurrasyidin Tembilahan class of 2017-2019, while the object of the research was the influence of motivation on student interest in saving in Islamic banks. This type of research is quantitative research because the data obtained are a collection of numbers. The population in this study amounted to 180 students. To determine the sample used probability sampling technique with simple random sampling method and using the formula Isaac and Michael, obtained a total sample of 123 students. Data analysis used a simple regression method with the help of the SPSS (Statistical Product and Service Solution) 23.0 for windows program. It can be concluded that motivation has a positive and significant effect on the interest of Islamic economics students at STAI Auliaurrasyidin Tembilahan.
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Eva Sundari, Deswarta Deswarta, and Sabrizan Helmi. "EVA Faktor-Faktor Yang Mempengaruhi Keputusan Konsumen Memilih Menggunakan Jasa Go-Jek Online (Studi Kasus Pada Mahasiswa Universitas Islam Riau)." E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis 14, no. 2 (September 27, 2021): 64–71. http://dx.doi.org/10.51903/e-bisnis.v14i2.477.
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perception factors, service quality, corporate image, and word of mouth on consumer decisions to choose to use Go-Jek online services (Case Study of Riau Islamic University Students). Methods of Selection and Sampling were carried out using the Purposive Sampling technique, the Purposive Sampling technique, namely Taking Samples Deliberately in each of the Faculties at the Islamic University of Riau Using Go-Jek Services The number of samples taken as many as 100 students in several faculties at the Islamic University of Riau. This research data is analyzed by Multiple Linear Regression Analysis and processed using SPSS For Windows Version 20. Application. The results of this study state that Price Perception, Service Quality, Company Image, Word Of Mouth. Influence on Consumer Decisions to choose to use Go-Jek Online services.
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Riyani, Dinna. "The Effect of Corporate Governance, Leverage, and Liquidity on Islamic Social Reporting (ISR) Disclosure in Islamic Commercial Banks in Indonesia." Indonesian Accounting Review 8, no. 2 (December 27, 2018): 121. http://dx.doi.org/10.14414/tiar.v8i2.1628.
Full textAbstract:
Islamic Social Reporting is the standard index of performance reporting in sharia-based companies. This index was born on the basis of reporting standards based on AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions). The objective of this research was to knowing the extent of Corporate Governance, leverage dan liquidity of Islamic Social Reporting Disclosure (ISR). The independent variables were used in this study is The Board of Comisionner, The Board of Directors, The Audit Comitte, Sharia Supervisory Boad, leverage and liquidity, while the dependent variable is the ISR disclosure. Samples were taken by using census sampling technique. The final sample as many as 12 islamic bank in Indonesia on 2012-2016. Data analysis method of the data used in this research is descriptive analysis, classical assumption test, and multiple linear regression using SPSS 23 for windows. The results of this study showed that The Board of Comisionner and liquidity has effect ISR disclosure. The Board of Directors, The Audit Comitte, Sharia Supervisory Boad, leverage does not affect the ISR disclosure.