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Journal articles on the topic 'Religious aspects of banking'
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1
Kurkliński, Lech. "Cultural and religious attitude to banking in the great world religions." Annales. Etyka w Życiu Gospodarczym 20, no. 7 (February 25, 2017): 63–75. http://dx.doi.org/10.18778/1899-2226.20.7.05.
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The article examines the attitude of the great world religions (Judaism, Christianity, Islam, Buddhism, Hinduism, and Confucianism) toward the world of finance, including banking. The issue of usury plays a key role in the evolution of ethical aspects related to obtaining compensation for money lending. The presented analysis also focuses on other aspects of banking activities, such as saving, investing and the institutional development of the banking sector. The author underlines the far-reaching convergence between the religions in this area, in spite of the considerable variation in historical and geographical conditions of their formation. The importance of cultural (religious) differences, including some fundamental nuances that affect the banking management in different regions. For successful development, large multinational corporations have to take into consideration the above-mentioned circumstances, regardless of the globalisation processes.
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Khilmi, Erfina Fuadatul. "Pengaturan Akad Mudharabah Muthlaqah pada Perbankan Syariah Perspektif Maqasid Asy-Syari’ah Jasser Auda." Supremasi Hukum: Jurnal Kajian Ilmu Hukum 10, no. 1 (December 30, 2021): 97. http://dx.doi.org/10.14421/sh.v10i1.2344.
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The low understanding of sharia principles towards the arrangement of Muthlaqah mudharabah agreements on Islamic banking has implications for immoral assumptions that view the youth as a mere 'guise' or 'mask' that is actually not much different from conventional banking. This is due to the incompatibility in the arrangement of muthlaqah mudharabah agreements on Islamic banking which shows obscurity and ambiguity. The purpose of this research is the foundation of the theoretical framework to understand aspects of maslahah values as an effort to improve the quality of Islamic banking regulation in order to achieve the welfare of society in line with religious ethical values. The purpose of this research is the foundation of the theoretical framework to understand aspects of maslahah value as an effort to improve the quality of Islamic banking regulation in order to achieve the welfare of society in line with religious ethical values. The research method used is a normative legal research method using a legal approach and a concept approach. The results of this research showed that the arrangement of mudharobah muthlaqah agreement on Islamic banking has not fully fulfilled the purpose or purpose of Maqashid Asy-Syari'ah Jasser Auda because the aspect of public information disclosure between customers and banks has not met the value of public goods that is the purpose of Maqashid.
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Khisni, Akhmad. "FINANCIAL INSTITUTIONS IN THE LEGAL SYSTEM OF ISLAMIC BANKING AND LEGAL DISPUTE SETTLEMENT." Jurnal Pembaharuan Hukum 5, no. 2 (August 6, 2018): 153. http://dx.doi.org/10.26532/jph.v5i2.3109.
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Islamic financial institutions in Indonesia are legalized in the governance of the banking law and in case of legal disputes become the absolute authority of the Religious Courts. Religious Courts readiness in responding to the development Islamic economics and resolve legal disputes are inevitable in the conduct of religious courts function as a legal institution, namely enforcement of certainty (juridical aspects) and justice (philosophical aspect), in addition to running the social aspects (sociological aspect). The position of Justice of religion as a social institution is dynamic, because of the exchange with the community dynamics that require the judge to explore, and understand the value of the law who live in the society. The implementation of Act No.3 of 2006 as amended by Act No. 50 Of 2009 regarding the Second Amendment to Act No.7 of 1989 concerning the Religious Courts, reinforced by Act No. 21 of 2008 concerning Islamic Banking. Institutional constraints faced by the Religious Court in handling cases Islamic economics is the law enforcement factors, factors of infrastructure, the judge in the religious courts appeared to be not effective due to the number of judges who have not been certified Islamic economy is still lacking, and the lack of educational and training of human resource development. In a more holistic approach to address the above problems, it is necessary reconstruction of the arrangement of the legal system and legal institutions and legal culture arrangement
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Ghosh, Saibal. "Banking and credit extension: does religious diversity matter?" International Journal of Social Economics 44, no. 12 (December 4, 2017): 2287–301. http://dx.doi.org/10.1108/ijse-06-2016-0176.
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Purpose While several facets of credit extension by banks have been extensively studied, one aspect which has largely bypassed the attention of researchers is the intrinsic attitude towards risk. To investigate this in detail the purpose of this paper is to employ data on India for an extended time period to understand whether religious diversity affects bank credit and other (flow) outcome variables, such as profitability, costs and returns. Design/methodology/approach Given the longitudinal nature of the data, the author’s employ fixed effects regression methodology which enables us to control for unobserved characteristics that might affect the dependent variable. Findings The analysis indicates that religious diversity lowers credit off-take by lowering the number of accounts, although the number of deposit accounts improves. The behaviour however, differs across high- and low-income states and during the pre- and post-crisis periods. In addition, the evidence supports the fact that the overall negative credit response arises from the behaviour of national banks. Practical implications The analysis explores an important and hitherto unidentified aspect driving banking outcomes in the Indian context. This would suggest that any policy intervention that seeks to influence bank behaviour would need to take on board the intrinsic risk-appetite of key stakeholders. Originality/value To the best of the author’s knowledge, this is one of the earliest studies for India to carefully examine the interface between religious diversity and bank behaviour.
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Lone, Fayaz Ahmad, and Ulfat Rashid Bhat. "Does the tag “Islamic” help in customer satisfaction in dual banking sector?" Journal of Islamic Marketing 10, no. 1 (March 4, 2019): 138–49. http://dx.doi.org/10.1108/jima-11-2016-0084.
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Purpose The purpose of this paper is to find out the importance of the tag “Islamic” in the title of banks. This will help to determine the future strategy of Islamic banks, while expanding to the countries where Islamic banking is seen as a religious banking and not an as an alternative approach to the conventional banking. Design/methodology/approach Adopting convenience sampling, a total of 596 customers of both Islamic and conventional banks were surveyed from four regions of Saudi Arabia (Makkah, Madinah, Riyadh and Dammam) using a self-structured questionnaire on a five-point Likert scale. Findings The results concede that Islamic banks without the tag “Islamic” and conventional banks have same customer satisfaction. There are some factors other than the tag “Islamic” which are driving customers towards Islamic banking. Those factors include physical aspects of the bank, level of satisfaction with the services, dealing and attendance by the staff and safety and security of the bank. Besides, the application of fundamental principles of Islamic banking works as a key motivation for customer satisfaction with Islamic banking. Practical implications Applying the tag “Islamic” is not as important as implementing the principles of Islamic banking. Islamic banks can survive and compete well even without using the “Islamic” tag if they implement the prime principles of Islamic banking and work on improving the factors highlighted by this study. This study can prove to be helpful in the expansion of Islamic banking in the countries where religious banking is not generally preferred by customers. Originality/value This is the first study to find out the customer satisfaction in a dual banking system (comprising of conventional banks and Islamic banks that do not use the tag “Islamic”), thereby filling the existing gap in the Islamic banking literature.
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Setiawan, Romi Adetio. "Why an Interest-Free Economy was Instituted from Early Religious Zeal?" Australian Journal of Islamic Studies 6, no. 2 (August 20, 2021): 31–48. http://dx.doi.org/10.55831/ajis.v6i2.347.
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At the end of 19th century, the Muslim scholars realized that the current banking system and economy was interest-based (riba) in all forms of transactions whether commercial or non-commercial. After the 20th century, proponents of Islamic economics put forward the establishment of a modern banking system that adhered to sharia principles and banned all forms of riba. It is important to note that the restriction on interest (riba) was also prevailed even among the non-Muslims and the origins of interest prohibition can be traced back to the Jewish and Christian faiths. However, the issue of prohibiting interest in modern financial system is still a matter of debate among Islamic jurists and this often cause confusion and inconsistency as to which the case of riba can be applied. This article argues that, whereas riba is expressly prohibited in all aspects of religion in the classical religious context, the modern practice of the interest system in Islamic finance is still debated in the context of contemporary society.
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Coronella, Stefano, Paolo Biancone, Silvana Secinaro, and Valerio Brescia. "Monti di Pietà of 1500 and the Islamic banks as models of common good." CONTABILITÀ E CULTURA AZIENDALE, no. 2 (March 2021): 9–42. http://dx.doi.org/10.3280/cca2020-002002.
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Introduction: The study compares two banking systems that have marked and mark the current system in Europe and the Middle East. The Monti di Pietà of 1500 and the Islamic banks which have developed several key features of the past, present the pillars of the Neo-Aristotelian concept of common good. Aim of the work: The study aims to identify the historical, cultural, and accounting factors, similarities, and ethical principles of the two models to identify key ele-ments supporting the common good concept. Methodological approach: This study adopts a historiographical approach that delves into the relationship between narrative, interpretive, and explanatory history, in which it argues that the historical narrative involves elements of interpretation and explanation. Furthermore, a considerable importance is given to the banking environment's political, religious, and regulatory aspects. Main findings: The analysis conducted traces ethical, cultural, and religious components, highlighting many aspects that confirm the starting theory and enrich its conception through financial models that are apparently distant from each other. The study highlights how reciprocity, solidarity, and support for the social fabric of growth have joint agreements and aspects characterizing the two models. Originality: The study provides and integrates significant elements on which the concept of the common good is based.
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Syahraini, Syahraini, Mai Simahatie, Prof Shabri Abdul Majid, Dr Rita Handayani, and Dr Marliyah Marliyah. "REGULATORY ISSUES AND CHALLENGES: GLOBAL NORMS AND RELIGIOUS CONSTRAINTS." International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) 2, no. 1 (January 24, 2022): 13–18. http://dx.doi.org/10.54443/ijebas.v2i1.137.
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Regulation is a balancing act. Different, often contradictory, goals – flexibility and consistency, freedom and strict controls, innovation and crisis-avoidance, consolidation and conflicts of interest, efficiency and consumer protection, openness and protection of national firms – must be applied in proper dosages by people familiar with the political and cultural environment. The audit systems and incentive structures must be flexible yet strict enough to allow innovation but prevent rogue operations. Before the disruptions of the 1970s, regulators performed a mostly technical task outside of the political limelight. In recent years however, virtually every country – including those with well-established regulatory authorities and traditions – has been rocked by banking crises. By October 1998, regulators worldwide were committed to the implementation of the 'Core Principles for Effective Banking Supervision' issued in 1997 by the Basle Committee. Similarly, as of March 1999, the 102 signatories of the December 1997 Free Trade in Financial Services Agreement (under the aegis of the World Trade Organization) were expected to liberalize their markets which is directed at literature research. In this case, The author takes two problems based on the description on the background problem. The formulation of the problem is How the Value of Islam in Islam The Era of Globalization and How Globalization Affects Religious Values Islam. The research methods include: the type of research Library Research is research through literature review or literature. The data sources in this study are primary data, namely books that directly discuss on the Effect of Globalization on Islamic Religious Values. Data analysis techniques used to get the conclusion is descriptive qualitative by drawing conclusions deductively, namely how to draw conclusions from the general to the specific. The author draws conclusions and suggestions that: the influence of globalization covers many aspects of life. However, that doesn't t mean we cannot provide an understanding of globalization that includes all symptoms the. Looking at the aspects of globalization above, we can conclude that globalization is nothing but the application of rational and scientific knowledge to all activities in all areas of life or to all aspects Public.
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Yuliatin, Yuliatin. "Studi Tentang Penerapan Fatwa Bunga Bank di Indonesia." Al-Risalah 11, no. 02 (December 1, 2018): 119. http://dx.doi.org/10.30631/al-risalah.v11i02.470.
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The goal of this writing is to discuss the application of the verdict of bank interest in Indonesia. Based on the Indonesian Council of Religious Scholars, the bank interest is illegitimate. Unfortunately, most of Muslim including NU and Muhammadiyah thought that the verdict was made and applied without well‐consideration. The Indonesian Council of Religious Scholars, on the other hand, stated that the verdict is flexible, so the Indonesian my follow or not. Therefore, this article discusses the verdict of Indonesian Council of Religious Scholars from methodological and content aspects. From methodological aspect, Indonesian Council of Religious Scholars only consider the secondary sources, such as the scriptures and the Muslim scholars, whereas it should primarily consider the Kuran, The Prophet Muhammed’s works, Scholars’ agreement, and else. Based on the content, The Indonesian Council of Religious Scholars considers conventional bank interest as illegitimate based on its accounts. Also, Muslim has another alternative for banking that is Islamic Banks (Sharia Banks) which give facilities to the people. If there is no Islamic Banks, the Muslim my make accounts in conventional.
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Rachmad, Dedy, Asmuni Asmuni, and Sugianto Sugianto. "The Problem of Revenue-Sharing Principles in Indonesian Islamic Banking based on Smart Theory." Khazanah Sosial 4, no. 2 (June 22, 2022): 378–90. http://dx.doi.org/10.15575/ks.v4i2.17191.
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The problem of implementing the principle of revenue sharing in Indonesian Islamic banking until now has not found a bright spot. It was found that some Islamic banks closed their revenue-sharing products, especially mudharabah agreements. Related to this, in an effort to accommodate the wishes of customers/prospective customers and the interests of Islamic banks, there needs to be a theory that is considered able to bridge the interests of both parties. This paper tries to meet those demands, whereby a review of smart theory literature appears and becomes the main choice in the search for literature because this article provides a qualitative descriptive summary. This paper will also develop new concepts and theories in order to complement existing theories. The results of the analysis show that smart theory has a role in accommodating the interests of Islamic banks and customers/prospective customers, but the theory developed is still conventionally charged, so it cannot be fully applied in solving the problem of revenue sharing principles in Indonesian Islamic banking. Therefore, the new theory created is to combine smart theory with maslahat theory using several approaches such as ease aspects, aspects of supervision, religious aspects, social aspects, and methodological aspects in terms of flexibility.
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Hasbi, Ghassan Niko, Bambang Tjatur Iswanto, and Mulyadi Mulyadi. "KEWENANGAN ABSOLUT PENGADILAN AGAMA TERHADAP PENYELESAIAN KASUS PERBANKAN SYARI’AH (ANALISIS YURIDIS PUTUSAN MAHKAMAH KONSTITUSI NOMOR 93/PUU-X/2012)." Varia Justicia 13, no. 1 (January 30, 2018): 18–26. http://dx.doi.org/10.31603/variajusticia.v13i1.1862.
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The provisions on dispute settlement Islamic banking has been laid down in Chapter IX of the settlement of disputes of Article 55 (1), (2), (3) of Law No. 21 of 2008 mentioned that the dispute settlement Islamic Banking is done by the court within the religious court, in case the parties have foretell dispute resolution other than as referred to in paragraph (1), the settlement of disputes in accordance with the contents of the contract, settlement of disputes referred to in paragraph (2 ) must not conflict with Islamic principles. The elucidation of Article 55 paragraph (2) of Law No. 21 of 2008 mentioned that the reference to the settlement of disputes in accordance with the contents of the contract are as follows efforts of deliberation, banking mediation, through the National Sharia Arbitration Board (Basyarnas) or other arbitration institution and / or through the courts within the General Court. The polemic is about the authority to resolve disputes in Islamic banking because there is no dualism of litigation, the Court of religion (Article 55 paragraph (1) of Law No. 21 of 2008) and the District Court stated in the elucidation of Article 55 paragraph (2) of the Act No. 21 of 2008), so in this study took the title of Absolute Authority of Religious Court Case Against Islamic Banking Solution (Analysis Juridical Constitutional Court Decision No. 93 / PUU-X / 2012).
This study aims to know the legal implications arising from the decision of the Constitutional Court regarding the absolute authority of the Religious, and the competence of the Religious Islamic Banking in resolving disputes after the publication of the decision of the Constitutional Court for the No. 93 / PUU-X / 2012.
The method used in this research is the method of juridical-normative research focus to apply the rules or norms of positive law by finding the law that encourages research, such as looking for the source of various litelatur, interviews with respondents also focused on how the legal aspects and principles of law against the decision of the Constitutional court, and the legal implications of this decision are equipped with primary data (Field research), as well as secondary data which supports research.
In this study, there are two principal issues examined is about authority Absolut religious court after the Constitutional Court ruling No. 93 / PUU-X / 2012 as well as the implications of the issuance of the verdict in the world economy, especially sharia Islamic microfinance institutions and Islamic banking. The findings of this research is the decision of the Constitutional Court are legally absolute magnitude against all things Islamic economy both litigation and non-litigation to force the execution of the decision in the case or a decision which is final.
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Kumari, Sukhavasi, and Balasayikumar Balanagalakshmi. "COVID-19: Challenges and Avenues of the Banking System." ECS Transactions 107, no. 1 (April 24, 2022): 10013–20. http://dx.doi.org/10.1149/10701.10013ecst.
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COVID-19 has changed the entire scenario of the world in all aspects. The financial system is also a part that affected in the changed frame. Generally banking sector plays an inevitable role in the country’s economic development. Due to the announcement of lockdown, all non-essential public and private services, businesses, including retail and micro firms, schools and colleges, religious places across the world, stayed closing during this period and total regular transportation system stopped. The situation, which is caused due to pandemic, has affected the total monetary system very badly and showed its impact on the banking sector. In this period, lower income levels led to decreased production and increased unemployment conditions. The banks faced several challenges, such as increase in non-performing assets, reduced income, no funds in the form of deposits, etc. But at the same time, this situation opened doors to certain new avenues for improving the income earning capacity by using electronic mode and others. This paper is aimed at identifying the challenges faced and various new opportunities available in front of the banking field.
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Sarker, Md Nazirul Islam, Most Nilufa Khatun, and GM Monirul Alam. "Islamic banking and finance: potential approach for economic sustainability in China." Journal of Islamic Marketing 11, no. 6 (November 21, 2019): 1725–41. http://dx.doi.org/10.1108/jima-04-2019-0076.
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Purpose The purpose of this paper is to explore the unique aspects of Islamic finance and its role in economic development. It also explores the suitability of Islamic finance in China. Design/methodology/approach The paper explores the potential of Islamic banking and finance for economic sustainability in China. This study adopts the content analysis approach and focuses on various aspects of finance. Moreover, a critical investigation has been done by using various indicators of a new finance system adoption by considering the economic, cultural, religious and political aspects of China. Findings The study reveals that China already tested Islamic finance on a pilot basis in Ningxia, China. China is suitably positioned to adopt Islamic finance for its economic development. It also reports that Islamic finance will be more helpful to implement One Belt One Road initiative of China, as the Gulf and Arab Islamic finance-based countries are the major partners of China. This study analyzes Islamic micro-finance literature and proposes suitable measures for adoption in China. Practical implications Despite some limitations, the findings have a large implication on Islamic financing in general. It will be helpful to researchers and practitioners to understand the Islamic finance model for implementing it in a new environment. Social implications This study analyzes the demand, rules and regulations, related challenges and potential of launching Islamic banking and finance in China. Originality/value This study analyzes the demand, rules and regulations, related challenges and potential of launching Islamic banking and finance in China. The paper fills a gap to the existing literature on Islamic finance uniqueness, challenges and opportunities from the perspective of a non-Muslim country.
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Bakhri, Boy Syamsul. "A Research on the Satisfaction of Islamic Banking Customer Services in Riau Province During the Covid-19 Pandemic." International Journal of Islamic Business and Management Review 1, no. 1 (December 29, 2021): 1–10. http://dx.doi.org/10.54099/ijibmr.v1i1.44.
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This research is motivated by curiosity about Islamic banking services in Riau Province during the Covid-19 pandemic. But before that, it is also important to examine customer knowledge on products and service facilities in Islamic banking, reasons customers choose Islamic banks, and reasons customers use both types of banks (Islamic banking and conventional banking). This research is a field research with survey technique. The population is Islamic banks customers in Pekanbaru and the samples in this study refer to the calculation of Hair et al with total assets of Islamic banks in 2020 as a consideration in determining proportional allocation. Sources of data in this research are primary and secondary data. While the data collection techniques using questionnaires and documentation. The data analysis technique uses descriptive statistics with a frequency distribution. The results of the research found that there are still many Islamic bank customers who do not know about specific Islamic bank products such musyarakah products, mudharabah products, ijarah products,and rahn services. The results also found that religious reasons are the main factor for customers in choosing of Islamic banks. The factor of ease of access to more branches is the main reason customers use both types of banks. Finally, the results of the research found that the most Islamic bank customers are satisfied with various aspects of the services provided by Islamic banks, while the five service aspects whith the highest level of customer satisfaction are Islamic bank staff friendliness, Islamic bank name and image, Islamic bank employee skills, confidentially Islamic bank customer data, as well as various kinds of facilities offered by Islamic banks. The results of this research are ini line with studies that have been conducted in Jordan and Kuwait, where the highest level of satisfaction is found in the name and image aspects of Islamic banks even though there are differences in respondent demographics and the condition of the Covid-19 pandemic.
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Prajawati, Maretha Ika. "IMPLEMENTASI MOTIF SOSIAL DAN MOTIF RELIGIUS TERHADAP KINERJA (PERPEKTIF MAQASHID AL-SYARI’ AH )." IQTISHODUNA 1, no. 1 (October 6, 2016): 1–10. http://dx.doi.org/10.18860/iq.v1i1.3696.
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Islamic bank as a business entity is required not only as a company that looking for a profit, but alsoperform the function and purpose as a Shariah entity that based on the concept of Maqasid al-Shariah. Everymuamalah or economic activity must be executed in accordance with the values and Islamic principles thatprovide flexibility, dynamism and creativity decision making. For companies, the welfare of shareholders,stakeholders and social environment are the goals that must be achieved, so that Maqasid al-Shariah becomea reference in making strategic decisions related to financial and investment aspects. In achieving corporateobjectives to improve performance, companies are encouraged to take action in the social dimension, namelythe concern for others by implementing of social responsibility programs and payment of zakat as religiouslymotivated companies in order to improve the performance of the company. The results showed that socialmotives are reflected in social responsibility influence the performance of Islamic banking improvement, aswell as religious motive reflected by payment of zakat effect to improved performance of Islamic banking.
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Ab Hamid, Siti Ngayesah, Wan Jamaliah Wan Jusoh, and Suharni Maulan. "Measuring the Spiritual Brand Attribute of Islamic Banks." Vol. 9, Number 2, 2019 9, Number 2 (October 27, 2019): 51–70. http://dx.doi.org/10.32890/jbma2019.9.2.4.
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Islamic banking institutions are different from their conventional counterparts as they incorporate religious and spiritual values in their operations. Despite this significant difference, few studies have investigated this spiritual aspect especially from the perspective of the brand. The main purpose of this study is to develop a valid and reliable scale to measure the spiritual brand attribute of Islamic banks. Based on the result of the interviews and review of literature, 28 items were proposed and analysed using exploratory factor analysis (EFA) and confirmatory factor analysis (CFA). A total of 14 items remain on the final scale classified in three dimensions which are beliefs, ethics, and corporate social responsibility (CSR). The new brand attribute scale is different from the existing scale as it focuses mainly on the spiritual and religious aspect incorporated into the Islamic banking brand.
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Ergec, Etem Hakan, Bengül Gülümser Kaytanci, and Metin Toprak. "Reconciliation or polarization in Islamic bank preference? Socio-political, socio-economic and demographic aspects." International Journal of Islamic and Middle Eastern Finance and Management 9, no. 1 (April 18, 2016): 67–86. http://dx.doi.org/10.1108/imefm-07-2013-0082.
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Purpose The reasons for Islamic bank preferences have been extensively covered in the literature where religion has been depicted as a strong factor. In the limited number of accounts on this subject in Turkey, it was found that religiosity is a major factor in the selection of Islamic banks. Design/methodology/approach This study evaluates the findings of a major field work performed in the period between March and May 2011 in Eskisehir with the participation of Islamic bank customers. In the study, a sample of 500 respondents was used and a semi-structured survey was conducted. Findings According to the findings, religiosity is not the most significant and leading factor in Islamic bank preference; instead, it was found as the fourth most important factor. The study finds that recommendation by friends and relatives is the most significant factor for the people in preferring Islamic banks. The nationalist-conservative people make stronger reference to the religiosity as a factor than the secular-modernist and leftist-social democrat people do. Socioeconomic status is not found as a significant factor in the Islamic bank preference. People in advanced age, men, people with lower income and businessmen/artisan rely on the religiosity in Islamic bank preference as a factor stronger than people from other backgrounds. Practical implications In conclusion, it could be said that there is a strong relation of substitution between Islamic banks and conventional banks in Turkey and that the Islamic banks play significant role in inclusion of the people staying out of the banking system due to religious concerns and considerations in the financial system. Originality/value It is very comprehensive, both politically and economically, to handle the issue of Islamic banking.
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Purnamasari, Oktaviana, and Topan Perkasa Hamudya. "Membangun Reputasi Perusahaan untuk Menjaga Loyalitas Nasabah (Studi Kasus: Panin Dubai Syariah Bank)." Jurnal InterAct 11, no. 2 (January 5, 2023): 110–20. http://dx.doi.org/10.25170/interact.v11i2.3370.
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The intense competition in the banking world in maintaining reputation-based customer loyalty is very interesting to study. In relation to the Islamic banking industry, efforts to maintain loyalty are carried out in various ways. This research is different from previous research in the context of Islamic banks in that there is an emotional-religious customer segment that has a higher emotional attachment to the reputation of Islamic banks, which creates loyalty. The purpose of this study is to examine how PDSB builds a company's reputation to maintain customer loyalty. This research uses a case study method through a qualitative approach and is descriptive in nature. The results found in this study are that PDSB continuously builds and strengthens the company's reputation covering aspects of Vision and Leadership through the ability to see market opportunities, have strong and excellent leadership, and have a clear vision of what to aim for in the future, Social Responsibility that is realized in the form of social responsibility activities towards social and environmental development, Financial Performance by achieving financial performance achievements, Workplace Environment by creating a good and conducive organizational climate through increasing employee engagement, Product and Services through product innovations and services that have process speed and flexibility while maintaining quality and compliance aspects, as well as Emotional Appeals to maintain customer loyalty.
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Ab Hamid, Siti Ngayesah, Wan Jamaliah Wan Jusoh, and Suharni Maulan. "Measuring the Spiritual Brand Attribute of Islamic Banks." Journal of Business Management and Accounting 9, no. 2 (February 12, 2020): 51–70. http://dx.doi.org/10.32890/jbma2019.9.2.8723.
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Islamic banking institutions are different from their conventional counterparts as theyincorporate religious and spiritual values in their operations. Despite this significantdifference, few studies have investigated this spiritual aspect especially from theperspective of the brand. The main purpose of this study is to develop a valid andreliable scale to measure the spiritual brand attribute of Islamic banks. Based on theresult of the interviews and review of literature, 28 items were proposed and analysedusing exploratory factor analysis (EFA) and confirmatory factor analysis (CFA). Atotal of 14 items remain on the final scale classified in three dimensions which arebeliefs, ethics, and corporate social responsibility (CSR). The new brand attribute scaleis different from the existing scale as it focuses mainly on the spiritual and religiousaspect incorporated into the Islamic banking brand.
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Fatkhur Rohman Albanjari and Catur Kurniawan. "Implementasi Kebijakan Peraturan Otoritas Jasa Keuangan (POJK) No.11/Pojk.03/2020 dalam Menekan Non Performing Financing pada Perbankan Syariah." EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam 9, no. 1 (June 29, 2022): 82–92. http://dx.doi.org/10.54956/eksyar.v9i1.332.
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The Coronavirus Disease-19 pandemic is an outbreak that has hit the world, with no exception for Indonesia. Many things are harmed from all aspects of life ranging from political, social, cultural, religious and economic fields. It also has an impact on the melemamahnya sharia banking system in Indonesia. This research has the purpose of knowing how the Financial Services Authority Regulation Policy (POJK) No.11/POJK.03/2020 in Suppressing Non Performing Financing (NPF) in Sharia Bank. This study uses narrative qualitative research methods with primary data from various electronic media, journals, and books, and related sources. The results of this study show that banks can implement policies that can support economic growth for sharia bank financing customers affected by the spread of Covid-19. Customers who get a restructuring waiver policy are customers affected by Covid-19 directly or indirectly.
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Hideki Kitamura. "A Reconsideration of Middle Eastern Islamic Bank Practices in Malaysia." Journal of Business Anthropology 9, no. 1 (April 30, 2020): 66–87. http://dx.doi.org/10.22439/jba.v9i1.5967.
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Middle Eastern Islamic banks’ contributions to product development in Malaysia have been frequently highlighted; nonetheless, there has been a research gap on the adaptation of foreign Islamic banks to the Malaysian market. This study examines this aspect through a case study of the practices of Kuwait Finance House Malaysia Berhad (KFHMB) among these foreign banks. The results of this exploration highlight the impact of Malaysian business customs and culture on KFHMB’s banking product selection, especially on the retail banking side. The findings herein imply that regional differences in products between Malaysia and the Middle East derive from differences in market environments rather than from mere differences in Islamic jurisprudence, as previous studies claim. Ultimately, this study asserts the value of an ethnographic approach to studying Islamic banks’ adaptation to foreign markets, especially considering the KFHMB’s dilemma of facing religious ideals versus market realities.
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Syah, Sultan, Eko Sukoharsono, Erwin Saraswati, and Roekhudin. "THE SHAPE OF ASSIKO’ KANA (Hybrid Contract) ON MAKASSAR NATIVES : ETHNOMETHODOLOGY PERSPECTIVE." International Journal of Accounting and Business Society 28, no. 1 (April 1, 2020): 1–27. http://dx.doi.org/10.21776/ub.ijabs.2020.28.1.1.
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Purpose — The purpose of this research is to discuss the accounting shari’a in assikko’ kana (hybrid contract) applied by Makassar natives by interpreting the existence of accounting in the trade activity area. Design/methodology/approach — In order to determine the existence of accounting, this research uses a qualitative method by using the ethnomethodology approach. Findings — The result reveals that accounting is the accountability process of economic, social, cultural, and religious aspects of the trade activities, which also can be found in the kalula[1] system. The research also finds that the trade actors are highly committed to trusting each other even though they incur losses. Thus this indicates that sociability becomes their priority. In addition, there is one more important factor so-called papalele (shareholders) whos contribute to the run of activities. Practical Implications — Banking, financial companies, and Islamic finance including capital owners can benefit from the preparation of assikko’ kana (hybrid contracts) so that the contracts made do not conflict with the prevailing Islamic Sharia Originality/value — a hybrid contract form applied to the flying fish fishermen community (patorani) is the result of acculturation between local culture and Islamic law. What's interesting is that the majority of Islamic banking and financial products and services are hybrid contracts, but the source of funding is still sourced from local investors (papalele). This paper tries to make a reality in the patorani community in establishing Sharia parameters, about how to combine more than one contract in one transaction
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Sabo Bello, Hashim, Ibrahim Suleiman Galadima, and Baraka Ibrahim Aliyu. "Phobia of the Introduction of Ethical Financing through Islamic Banking System in Nigeria: Respondents’ Perceptions on Business and Economic Suitability." Shanlax International Journal of Commerce 7, no. 4 (October 1, 2019): 1–7. http://dx.doi.org/10.34293/commerce.v7i4.539.
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This research work aimed at studying the business and economic suitability of the introduction of alternative ethical finance through Islamic banking system in Nigeria as being consistent with modern economies. As Islamic banking system is working in a number of countries, then, Nigeria shouldn’t be a battle ground between Muslims and Christians mostly because it carries the toga of Islam thereby ignoring the beneficial social goals inherent in the Islamic alternative modes of ethical financing and investments. The issue of interest is a philosophical question which has to do with the core concept of ‘is money a commodity that can be traded on its own or not? The central issue is that the contemporary financial system is exploitative, unjust, discriminating, unstable and crisis generating. The sampling method adopted for the study was stratified random sampling technique. The study was conducted with 480 respondents in Abuja and responses elicited from questionnaires administered. The instrument used for data collection was questionnaire and data analysis made used of simple percentage and ANOVA was adopted for hypothesis testing. Data obtained was analyzed with inferential statistical technique. ANOVA was employed to test each hypothesis at 99 per cent confidence level. Results were analyzed through descriptive statistics and hypotheses tested using ANOVA at 0.01 level of significance. Thus, this paper believes that the Islamic banking provides financial solutions that are not only concerned with the growth of money but the ethical means by which money can be used to generate wealth. The paper also believes that with the establishment of Islamic banking system in Nigeria therefore will relatively remedy the problems of interest banking system that are making unemployment and redundancy to becoming order of the day. This study suggested that the introduction of Islamic banking system in Nigeria might promote a balance between the social and economic aspects of human society, the self and social interests and between the individual, family, society and the State. It can effectively address issues like income distribution and poverty alleviation, which capitalism has not been able to address and at the global level, it will rid the basis of instability, so making the world a happier place with harmony among followers of various religions.
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Rosyidah, Muhammad Nizar, and Khoirul Huda. "ANALISIS PENGETAHUAN NASABAH TENTANG PRODUK PERBANKAN SYARIAH (Studi pada Bank Muamalat KCP Malang Kepanjen)." MALIA (TERAKREDITASI) 10, no. 2 (May 25, 2019): 163–80. http://dx.doi.org/10.35891/ml.v10i2.1449.
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Banks are not something that is alien to people in developed countries. People in developed countries really need the existence of a bank. The bank is considered a financial institution that is safe in carrying out various types of financial activities. Islamic banks are developed based on principles that do not allow separation between temporal and religious matters. This principle requires compliance with sharia as the basis of all aspects of life. This report addresses the problem of the level of knowledge of customers about Islamic banking products at Bank Muamalat, Kepanjen Sub-Branch Office Malang. This study uses a quantitative method from the results of observation, practice and spread the questionnaire to the customers of Bank Muamalat, Kepanjen Sub-Branch Office Malang. The results of the analysis show that the customer's knowledge of the product is higher than the customer's knowledge about buying and using. While customer knowledge about purchases is lower than customer knowledge about products and usage. In addition, customer knowledge has a positive and significant effect on the decision to become a customer at Bank Muamalat, Kepanjen Malang Sub-Branch Office.
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Sodikin, Mohamad. "Competitive Advantages of Sharia Banks: Role of Ihsan Behavior and Digital Marketing in New Normal." Journal of Digital Marketing and Halal Industry 2, no. 1 (July 10, 2020): 1. http://dx.doi.org/10.21580/jdmhi.2020.2.1.5769.
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<p>Covid pandemic 19 had an impact on all aspects, one of which was related to Islamic banking. This article aims to discuss the role of <em>Ihsan's</em> behaviour as a foundation in building relationships with customers, building brand image through communication with the characteristics of Islamic values, and how organizations provide support so that the development of digital marketing communication runs effectively. The method uses a qualitative approach, with secondary data sources. Data analysis uses descriptive analysis approach. The results of the study show that the new pattern of life called the new normal as a result of the co-19 pandemic has affected various sectors of social, economic, and even religious life. Islamic banks, as part of institutions that have an important role must be able to adapt and have a strategy to establish excellent communication and services with their customers. The business foundation, with the foundation of <em>Ihsan</em> values, with communication strategies through digital media, is expected to be able to increase the advantages of Islamic banks.</p><p> </p>
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Ernawati, Ernawati, and Mansyur Asri. "Knowledge and Awareness of Islamic Financial in Europe And America Countries." IQTISHADIA 13, no. 1 (May 28, 2020): 23. http://dx.doi.org/10.21043/iqtishadia.v13i1.7207.
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<p><em>This study aims to determine the correlation between knowledge and awareness with industrial development, state religious status and state location. The data is sourced from secondary references of IFG-IFDI publication for the 2019 period on 42 countries in the European and American Continent. Data is processed through correlation analysis. The results show that Islamic financial knowledge correlates with the level of scientific awareness. Islamic financial knowledge and awareness of Islamic finance are positively correlated with the development of 4 (four) segments of Islamic finance, namely: Islamic banking, takaful, other Islamic finance, and sukuk; and does not correlate with the Islamic funds. The countries with a Muslim majority population will be more active in developing activities related to the Islamic financial industry. There other side, there is no significant correlation between knowledge and awareness of Islamic finance with the continet location of the country. The research findings recommend an inclusive awareness movement so that it unites the academic and the public aspects in Islamic financial campaigns.</em></p><p><em><br /></em></p>
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Salma, Aqida Nuril. "POLITICS OR PIETY? UNDERSTANDING PUBLIC PIETY AND POLITICAL EXPRESSIONS OF INDONESIAN MUSLIM IN ONLINE SPHERE." Jurnal Sosiologi Reflektif 13, no. 2 (June 19, 2019): 235. http://dx.doi.org/10.14421/jsr.v13i12.1510.
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In today’s digital age, one of the most significant shifts in the field of Islam in Indonesia is the increasing reliance of Muslims on social media when practicing and expressing their faith and religiosity. The expressions generally reflected in the consumer behavior and everyday lives of Indonesian Muslims, with their preference for Islamic banking, Islamic schools, Islamic fashion, Islamic medicines and most importantly, today Indonesian Muslims like to present these practices on their social media accounts. However, public expressions of piety have been apparent in the political life of Indonesian Muslims as Indonesia’s political landscape has undergone significant changes after the controversy surrounding Jakarta Gubernatorial Election. Although religion has often been ignored as an important political factor, but it can’t be denied that both are actually the biggest public parts of many people’s lives. Therefore, this paper argues that political contexts are critical aspects of modern formations of piety. Based on online observations combined with computational method, this paper tries to analyzes intriguing examples of how social media, the religious, and the everyday politics intersect, focusing on contemporary expressions of piety through political attitudes in an online sphere.
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Othman, Azizah, and Atikullah Abdullah. "AL-RAHNU DEVELOPMENT IN MALAYSIA: A CASE OF AL-RAHNU INSTITUTION UNDER THE TERENGGANU ISLAMIC RELIGIOUS AND MALAY CUSTOMS COUNCIL." International Journal of Islamic Business 4, no. 1 (June 30, 2019): 54–64. http://dx.doi.org/10.32890/ijib2019.4.1.4.
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The presence of the Islamic pawn broking scheme (al-rahnu) has caught attention in Malaysia, and has encouraged participation by society, especially low-income groups. One of the objectives in implementing this scheme was to protect the society, especially the Muslim community, from transactions involving elements of interest (riba). Al-rahnu operates by offering cash loan facilities that are quick, fair, transparent, and is based on Syariah principles. By the implementation of the Islamic pawn broking scheme the government is hoping that this scheme will be the primary option and eventually will replace the conventional scheme for pawn broking services. Even though the conventional pawn scheme has existed in Malaysia for a long time, and has monopolized the industry, Islamic pawn broking scheme is getting a huge demand by the society. After twenty years of its implementation in Malaysia, al-rahnu has become an important instrument in economic development as customers who have really no access or capacity to receive loans from the banking system can obtain financing from al-rahnu within minutes. As such, this paper will discuss the background of Islamic pawnshops in Malaysia and will be followed by a discussion that is focused on the Islamic concept of the pawnshop based on fiqh. The operation, implementation and performance aspects of Islamic pawnshops are also mentioned in this study by referring to al-rahnu under Terengganu Islamic Religious and Malay Customs Council (MAIDAM), which was started in 1992 and was the first al-rahnu institution in Malaysia.
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Rusydiana, Aam Slamet, and Salman Al Farisi. "Studi Literatur tentang Riset Zakat." AHKAM : Jurnal Ilmu Syariah 16, no. 2 (December 11, 2016): 281–90. http://dx.doi.org/10.15408/ajis.v16i2.4458.
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Literature Study on Zakah Research. Zakah is not only as religious rituality but also could touch humanity aspect by empowering its potency to maximize public wealth. The research related to zakah is still lacking compare to Islamic banking research. This study review on research around zakah. The study use descriptive statistical analysis based on 100 journal publications related to zakah, both national and international journal. The entire sample journal publications have published last 5 years from 2011 to 2015. Results show that the zakah research is still dominated by the discussion of zakah institution (26%), followed by distribution of zakah(22%), zakah management (21%) and poverty (20%). The last theme is about zakah collection (11%). In addition, comparison of quantitative research and mixed methods are still far less than the qualitative approach.DOI: 10.15408/ajis.v16i2.4458
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Quadir, Abdul. "Consumers’ choice of the services of Islamic banks in dual banking system." International Journal of Islamic and Middle Eastern Finance and Management 13, no. 5 (August 12, 2020): 935–47. http://dx.doi.org/10.1108/imefm-12-2019-0496.
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Purpose The purpose of this study is to examine how the Islamic banks fix their mark-up for Murabaha contract strategically when traditional banks also co-exist in a country. This study also aims to investigate what role the varying degree of Iman (faith) plays in shaping the preferences of the consumers to choose between the services of Islamic banks and the traditional banks. Design/methodology/approach This paper constructs a mathematical model like the Bertrand competition in neo-classical economic theory. A religiosity parameter for the consumers has been inserted into their demand functions for their products. A simple optimization technique from mathematics has been used to arrive at the results. Findings This paper applies game theory to analyze how Islamic banks determine their mark-up when they are facing competition with traditional banks. It considers the demand functions of the consumers for the products of Islamic banks and traditional banks. The demand functions depend on the mark-up, as well as on the interest rate with the difference that they also depend on the religiosity of the consumers. The paper shows that Islamic, as well as the conventional banks charge lower prices for their loans if there is consideration of religiosity aspect of the consumers. Further, it shows that as religiosity increases in a country, the lending rates decrease. The theoretical result is also consistent with the real practices of the banks. Therefore, the dual banking system is welfare enhancing for the customers. Research limitations/implications The Islamic banks can leverage the religiosity aspect of the consumers and expand their business competitively by charging them lower mark-up. The adherence of religious customers to the services of Islamic banks creates some kind of loyalty premium for them. This could lead to the reduction of mark-up price triggering competition between both types of banks to attract more customers. Therefore, it is prudent for the government to develop a system for furthering the quality of honesty that is an integral part of Islam. Originality/value To the best of author’s knowledge, this is the first paper where it has been analyzed theoretically how the Islamic banks determine their mark-up for Murabaha contract strategically. This approach explains why the rate of return of Islamic banks hinges on the interest rates of traditional banks. One of the novel feature of this paper is that religiosity character of the consumer is good for banks because religiosity prohibits the people to default on their loans.
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Suadi, Amran. "Judicial Authority and the Role of the Religious Courts in the Settlement of Sharia Economic Disputes." Lex Publica 7, no. 2 (July 30, 2020): 1–14. http://dx.doi.org/10.58829/lp.7.2.2020.1-14.
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Regulations on the procedures for resolving sharia economic disputes are undeniable. The rapid development of sharia economics requires adequate and holistic regulations. The importance of regulations regarding procedures for resolving sharia economic disputes can also be understood from the notion of sharia economics or what is also known as Islamic economics. Islamic law regulates all human life as a whole. In principle, the settlement of sharia economic disputes is known by two methods. First, litigation settlement is the resolution of legal disputes or conflicts through the courts. Second, non-litigation settlement, which is the settlement of legal problems outside the judicial process. In providing justice for litigants, Religious Court judges are not only required to understand the sharia aspect but also have to understand the politics of economic law because sharia economics is part of national legal politics in general. Sharia economic law deals with two important aspects. The first is business, and the second is sharia law. The judges of the Religious Courts need to understand the political economy in the business world. All contracts will be tested with the conventional fiqh muamalah concept, even though some contracts practiced in Islamic banking currently have several products that are modifications of conventional fiqh concepts mixed with business concepts in the modern world through the epistemological approach of al-maslahah al-mursalah. In order to carry out its role in sharia economic dispute resolution, in line with community demands, the Religious Courts of the Supreme Court of the Republic of Indonesia has increased the human resource preparation program in the sharia economic law. Various efforts continue to be made, from technical guidance activities for religious court judges, certified sharia economic education and training to legal discussions with the theme of sharia economic law. Abstrak Pengaturan mengenai tata cara penyelesaian sengketa ekonomi syariah tidak dapat dipungkiri, perkembangan ekonomi syariah yang pesat dan pesat memerlukan pengaturan yang memadai dan holistik. Pentingnya pengaturan mengenai tata cara penyelesaian sengketa ekonomi syariah juga dapat dipahami dari pengertian ekonomi syariah atau yang juga dikenal dengan ekonomi syariah. Hukum Islam mengatur seluruh kehidupan manusia secara keseluruhan. Pada prinsipnya penyelesaian sengketa ekonomi syariah dikenal dengan dua cara. Pertama, penyelesaian litigasi, yaitu penyelesaian sengketa atau konflik hukum melalui pengadilan. Kedua, penyelesaian non-litigasi, yaitu penyelesaian masalah hukum di luar proses peradilan. Dalam memberikan keadilan bagi para penggugat, hakim Pengadilan Agama tidak hanya dituntut untuk memahami aspek syariah, tetapi juga harus memahami politik hukum ekonomi karena ekonomi syariah merupakan bagian dari politik hukum nasional pada umumnya. Hukum ekonomi syariah berkaitan dengan dua aspek penting. Pertama, aspek bisnis, kedua adalah aspek hukum syariah. Hakim Pengadilan Agama perlu memahami ekonomi politik dalam dunia bisnis. Semua akad akan diuji dengan konsep fiqh muamalah konvensional, meskipun beberapa akad yang dipraktikkan di perbankan syariah saat ini memiliki beberapa produk yang merupakan beberapa modifikasi konsep fiqh konvensional yang dipadukan dengan konsep bisnis di dunia modern melalui pendekatan epistemologi al-maslahah almursalah. Dalam rangka menjalankan perannya di bidang penyelesaian sengketa ekonomi syariah, sejalan dengan tuntutan masyarakat, Peradilan Agama Mahkamah Agung Republik Indonesia telah meningkatkan program penyiapan sumber daya manusia di bidang hukum ekonomi syariah. Berbagai upaya terus dilakukan, baik melalui kegiatan bimbingan teknis bagi hakim pengadilan agama, pendidikan dan pelatihan ekonomi syariah bersertifikat, hingga diskusi hukum dengan tema hukum ekonomi syariah. Kata kunci: Pengadilan Agama, Ekonomi Syariah, Sengketa Hukum, Otoritas Pengadilan
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Bouhedda Ghalia, Luqman Zakariyah, and Yahya Abdullah Al Najjar. "Dawru Al-Waqf al-Mu’aqqat fî al-Tamwîl al-Ijtimâ’i fî al-Mashrîfiyah al-Islâmiyah Bî Malayziyâ." AL-IHKAM: Jurnal Hukum & Pranata Sosial 17, no. 2 (December 31, 2022): 611–46. http://dx.doi.org/10.19105/al-lhkam.v17i2.6768.
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This research paper aims to study the "temporary endowment" (Waqf Muaqqat) and its role in activating social financing in Islamic banking in Malaysia, such as the oriental study in the light of the purposes of Islamic law. This article has adopted the qualitative method in its research which correlates to the theorization and regulation of the concepts of the issues in hand in their different dimensions which is jurisprudence, Maqasid, and banking. For the case study “Maybank Islamic” has been selected for viewing and assessing the various aspects related to the said topic. The study also included interviews with some experts of Islamic banking in Malaysia. The study has stemmed the following conclusions and recommendations, which are as follows: 1) Islamic banks have a significant role in intermediating between both the sources of voluntary social financing and the deprived classes of the society, 2) Bank endowments (Waqf) through May Islamic Bank has shown substantial contributions in the social financing. The study further has found many possibilities of making it more effective and expand its reach using the tool of temporary endowment, 3) Temporary bank endowment contributes to achieving the objectives of social cooperation (Takaful), financial growth, and social justices through the medium of Islamic banks. The article concludes by stating that social financing of banks needs various other tools of temporary endowment (Waqf Muaqqat) to help the deprived classes and to extend its reach to meet the requirements for a comprehensive and inclusive development of the overall society.
تهدف هذه الورقة البحثة إلى دراسة "الوقف المؤقت" ودوره في تفعيل التمويل الاجتماعي في المصرفة الإسلامية بمليزيا كالدراسة الاستشراقية في ضوء مقاصد الشريعة الإسلامية. ولقد استخدمت هذه الورقة البحثية المنهج الكيفي في مباحثها المتعلقة بالـتأصيل والضبط لمفهوم الوقف المؤقت وما يتعلق به من القضايا في أبعادها الشرعية والمصرفية في ضوء مقاصد الشريعة؛ واعتمدت الدراسة في الجانب الميداني على اختيار "ماي بنك الإسلامي "كعينة تطبيقية لدراسة الموضوع في جوانبه المتعددة. وخلصت الدراسة إلى جملة من النتائج والتوصيات، من أهمّها:1) فإن الوقف المؤقت في التجربة الماليزية أنه لايزال الاهتمام به في مرحلة التشريعات النظرية في التقنين له ويحتاج إلى إيجاد آليات جديدة لتفعيله في واقع الممارسة.2) "الوقف المؤقت" النقدي آلية استشرافية يقترحها البحث في سدّ عجز التمويل الاجتماعي في منتجات الوقف المصرفي لمصرف" ماي بنك الإسلامي" كعينة مختارة في هذه الدراسة والتي تسعى إلى تحقيق خطة تنموية اجتماعية إلى تفعيله وتوسيعه. 3) النظر المقاصدي في التمويل الاجتماعي المصرفي يدعم اقتراح آلية الوقف المؤقت النقدي كوسيلة فعالة نظرا لما يحققه من مقاصد تنموية اجتماعية؛ ومنها التكافل الاجتماعي، النماء المالي، والعدالة الاجتماعية من خلال وساطة المصارف الإسلامية للمصارف الإسلامية كفاءة في أن يكون لها دور مهم في الوساطة بين مصادر التمويل الاجتماعي التطوعي والطبقات الاجتماعية المحرومة وما يؤهلها لذلك كونها مؤسسات لها إمكانيات في نظم الإدارة والحوكمة.
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Bekkin, R. I. "Muslim Bank as a Historical Category: Creating Credit Institutions for Muslims In the First Half of the 20 th Century." MGIMO Review of International Relations 13, no. 5 (November 11, 2020): 149–67. http://dx.doi.org/10.24833/2071-8160-2020-5-74-149-167.
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Abstract: The article examines theoretical and practical aspects of the activities of Muslim banks in the countries of Eurasia in the first half of the 20th century. These credit institutions were created on the initiative of Muslim entrepreneurs who sought to have an affordable source of financing for their activities. Muslim banks were an important element of the financial system of a number of countries during the era of colonialism. In the context of competition in the capital markets between Western banks and credit institutions belonging to different religious and ethnic groups, as well as competition of the latter with each other, Muslim banks acted as an instrument for ensuring the economic independence of Muslim communities in a number of countries and regions in the period under review. After the countries of Asia gained independence, Muslim banks were transformed into ordinary national banks.The activities of Muslim banks are considered in the article against the background of discussions on the admissibility of loan-based banking operations in the context of the prohibition of usury (riba) in Islamic law. The article emphasizes that Muslim banks in their activities relied on the theological and legal conclusions (fatwas) of Islamic scholars who considered such activities legitimate and not falling under the Quranic concept of usury.The author adheres to the point of view that the creation of an independent state or nationalterritorial / national-cultural autonomy of Muslims was a natural result of the struggle of the Muslim bourgeoisie with competitors for the markets for goods and services in a number of countries and regions, considering both Muslim and Islamic banks only as a certain stage in the development of banking in a number of countries in Asia, Africa and Europe.The article disputes the idea that both Islamic banks and the Islamic economic model as a whole are monolithic structures that cannot be modified. According to the author, the very creation of Islamic banks, as well as their convergence with conventional (non-Islamic) credit institutions, which we observe today, is a natural result of a change in the economic interests of the ruling class both in the countries of the spread of Islam and in the Western world.The article examines the history of the creation of Muslim banks in Bosnia and Herzegovina and in British India. These regions are brought together by the fact that Muslims who lived there were forced to compete with representatives of other ethno-confessional groups and communities living in the same territory. Particular attention is paid to the theological and legal discussions on the creation of a Muslim bank in Russia.
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Yunusov, Adam Ramzanovich, Ramzan Akhmedovich Malaev, and Malika Abdullovna Sadueva. "MARKETING ASPECTS IN BANKING." Journal of Applied Research 4, no. 8 (2022): 373–76. http://dx.doi.org/10.47576/2712-7516_2022_8_4_373.
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Ahmad, Zafar, Naureen Munir, and Shazia Shahzadi. "A Correlational Study of Effort Reward Imbalance (ERI) and Job Satisfaction among Employees Working in Banking Sector of Pakistan." Pakistan Journal of Medical and Health Sciences 16, no. 8 (August 31, 2022): 526–29. http://dx.doi.org/10.53350/pjmhs22168526.
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The research was carried out to investigate the relationship of Effort Reward Imbalance (ERI) with Job Satisfaction of employees, working in banking sector. For this purpose the ERI questionnaire (Siegrist,1996) and Job Satisfaction Survey (Spector, 1994) were used for measurement. The cross-sectional survey with purposive convenient sampling technique was used for data collection. The sample was consisted of 209 employees comprised of 149 male and 60 female employees working in different banks. 62.2% employees age ranging from 20-30, 25.8% from 31-40, 12% from 41-50. 71.3%were male and 28.7% were female. 9.1 % participants intermediate 43.5 % were a graduate 47.4 % were postgraduate. 59.8 % employees have 1-5 years of job tenure. 22.5% have 5 -10 years of job tenure 9.6% have 10-15 years of job tenure 4. 3% have 15-20 years of job tenure and 3.8% have 20-25 years of job tenure. The results revealed that effort reward imbalance and job satisfaction are correlated whereas gender has no significant impact with ERI and Job satisfaction of employees working in banking sector. Keywords: Effort Reward Imbalance, Job Satisfaction, Bank Employees
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Gassner, Ulrich M. "Legal Aspects of Tissue Banking." Pathobiology 74, no. 4 (2007): 270–74. http://dx.doi.org/10.1159/000104456.
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Dziawgo, Leszek, and Danuta Dziawgo. "PRIVATE BANKING − WEALTH MANAGEMENT: ECOLOGICAL ASPECTS." Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu, no. 478 (2017): 152–61. http://dx.doi.org/10.15611/pn.2017.478.14.
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Das, Soumyajit, and Dr Pranam Dhar. "Technological Security Aspects for Internet Banking." Paripex - Indian Journal Of Research 3, no. 6 (January 15, 2012): 110–15. http://dx.doi.org/10.15373/22501991/june2014/35.
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López Fernández, U. "Macroprudential aspects of the banking union." Finance, Markets and Valuation 5, no. 1 (2019): 19–37. http://dx.doi.org/10.46503/xlxo2871.
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The present paper addresses the main macroprudential aspects of the Banking Union, that arose as a reply to the European sovereign debt crisis. After the Great Recession, at international level, a certain consensus was reached regarding the necessity to set out and implement this kind of macroprudential regulation to achieve a robust financial sector. Because of this, from this perspective, each of the fundamental pillars of the Banking Union is analysed, just as its single rulebook, to check if it is in existence and, in this case, if it is sufficient. Equally, some financial indicators are studied to check if regulatory changes are reflected in the data, in the full knowledge that the new mechanism has been in place for a short time. Finally, some ideas and proposals are suggested to improve several macroprudential elements of the Banking Union.
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Bidabad, Bijan, and Mahshid Sherafati. "Operational ethical banking in Rastin Banking." International Journal of Law and Management 58, no. 4 (July 11, 2016): 416–43. http://dx.doi.org/10.1108/ijlma-07-2015-0037.
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Purpose This paper aims to discuss some of the operational Islamic banking features considered in ethical banking as the aspects of Rastin Banking. Ethical banking is a branch of “ethic economics” and a narrow expression of a number of Islamic banking aspects. Design/methodology/approach These features are often involved in the discussions under the topic of internal control and describe the operational characteristics of ethical banking within the framework of Rastin Banking. Findings This study refers to the principles of Rastin Banking, including operational, financial, economic, ethical, social, legal, international and organizational principles. Additionally, it takes into account some of the internal control systems. Research limitations/implications Converting ethical codes into executable laws and regulations needs sophistication, and the art of codification in this subject can be observed in the present paper. Practical implications As far as the ethical behaviour of the assessor and trustee is concerned, the necessities of honesty, belief, virtuosity, rectitude and compliance with moral values, as well as reward and punishment mechanisms, are operationally examined. Transparency, governance and disclosure of information are the other components. The methods of auditing, accounting, inspection and preservation of Rastin Banking achievements are amongst the other matters of concern. Social implications An assiduous attention to the operational details of each of the above-said discussions revealed that the Islamic banking components are capable of covering the topics and discussions beyond ethical banking. Originality/value This paper fulfils an identified need to solve the practical ethical problem in operational banking.
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Gilani, Hasan. "Exploring the ethical aspects of Islamic banking." International Journal of Islamic and Middle Eastern Finance and Management 8, no. 1 (April 20, 2015): 85–98. http://dx.doi.org/10.1108/imefm-09-2012-0087.
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Purpose – The purpose of this paper is to look into the ethical practices of a profit-driven financial institution that is currently adopting Islamic banking and whether it can actually be ethical from an Islamic perspective. The recent decade has seen an upsurge of the increasingly integration of ethical management into operational strategies by businesses across the globe. Like any other religion, Islam wants its followers to be truthful and honest and to be compliant with its teachings and especially in a business transaction. This research paper explores the ethical factors of Islamic banking and how it is perceived by its stakeholders. Design/methodology/approach – Due to the exploratory nature of the research and the fact that it involves in-depth theoretical analysis, a qualitative research method was adopted to explore the details of ethics in Islamic banking sector. The aim of this research was to explore the ethical options of an Islamic bank. This was done by carrying out in-depth interviews with the managers and executives of Islamic banks having authority over the subject of Islamic banking and Shariah finance. Furthermore, a detailed session of interviews was also carried out with the customers of Islamic banking to take their views on the subject issues. The data are analysed through thematic content analysis and matched with the existing theory with the objective of coming up with detailed findings that would contribute to knowledge on the subject of ethical Islamic banking. Findings – The paper provides empirical insights about ethical management as a vital part of Islamic banking modus operandi. The findings highlight the involvement of ethics in different procedures, operations and approaches of Islamic banking and how it is perceived by its many stakeholders. Practical implications – The motivation of this thesis comes from literature review to explore the ethics of Islamic banking and how it Islamic banking is perceived by stakeholders at an ethical banking practice. This research aims to aid bankers in identifying what practices they can enhance and what practices should be dropped to bring about a more ethical banking system. This research was prompted as a result of the gaps identified in the literature review followed by the observations made of the market by the researcher. It was evident that further research on this topic was required to aid the subject. Originality/value – The research is original in its nature, as there have not been many instances where the ethical management theory has been explored within the Islamic banking sector. Given the new literature on corporate branding and customer perception, this research can contribute very positively towards the subject area. This research would pave new research avenues to be explored and enhance academic contribution on the common subjects.
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Aziz, Ibrahim. "LEGALITY ASPECTS OF SHARIA BANKING IN INDONESIA." Melayunesia Law 6, no. 1 (June 30, 2022): 1. http://dx.doi.org/10.30652/ml.v6i1.7851.
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Islamic banking in Indonesia has existed for a long time, namely within the 1980s whilst several Islamic activists performed research on Islamic economics who recommended Islamic banking, even working towards it on a limited scale, together with through Bait at-Tamwil Salman, Bandung. Extra intensive efforts had been made in the 1990s, which culminated in the IV countrywide Deliberation of the Indonesian Ulema Council (MUI) in Jakarta, 22-25 August 1990 which led to a mandate to form a working group for the status quo of Islamic Banking in Indonesia known as the MUI Banking group. The end result of this team’s work is what is normally referred to as the establishment of PT bank Muamalat Indonesia (BMI), November 1, 1999, with an initial capital of more than IDR 106 billion. Several years later, Islamic banks emerged which includes independent Islamic banks, BNI Syariah, Mega Syariah banks and so forth. The sharia banking regulation itself is urgently wished for numerous motives, namely: in step with Indonesia's national development dreams to attain the advent of a just and prosperous society primarily based on economic democracy, it's far necessary to broaden an economic gadget primarily based on justice, togetherness, fairness and advantage. Islamic banking is the handiest instinct that is most appropriate to translate the above country wide development goals into real existence.Keywords: Legality, Sharia Banking, Islamic economics
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Pruß, Axel, and Jan Schroeter. "Safety Aspects in Tissue Banking – An Update." Transfusion Medicine and Hemotherapy 48, no. 1 (2021): 1–2. http://dx.doi.org/10.1159/000514111.
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Arabi, Seyed Hadi. "Ignored Aspects of Islamic Banking and Finance." Management and Business Administration. Central Europe\ 22, no. 2 (June 15, 2014): 98–110. http://dx.doi.org/10.7206/mba.ce.2084-3356.101.
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Smith, Alan D. "Aspects of Strategic Forces Affecting Online Banking." Services Marketing Quarterly 28, no. 2 (October 3, 2006): 79–97. http://dx.doi.org/10.1300/j396v28n02_05.
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Diaconescu, Ioana, Sorin Hostiuc, and George Cristian Curca. "Brain Banking – Bioethical Implications." Studia Universitatis Babeş-Bolyai Bioethica 66, Special Issue (September 9, 2021): 68. http://dx.doi.org/10.24193/subbbioethica.2021.spiss.39.
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"Novel biotechnologies like brain banking pose a challenge in neurodegenerative diseases research, being not only a step towards a better understanding for these diseases, but also from a bioethical point of view. Brain banks collect tissue for research purposes from deceased persons suffering from neurodegenerative diseases such as Parkinson’s or Alzheimes’s disease. In order to improve the quality in this research field, confidentiality and a detailed informed consent are aspects that should be emphasized. Moreover, given the fact that the brain collecting takes place during an autopsy, legal aspects also play an important role, hence a legal frame is also needed. The role of the deceased’s family should also be taken into account, especially when and how they can decide if the autopsy can be performed in the first place. The research participant should sign a detailed informed consent that must remain the research basis to which extent the collected data should be disclosed. Finally, only a framework of bioethical and legal norms can improve the quality of brain banking research. A comprehensive perspective for brain banking from obtaining, processing, and storage of brain material to bioethical and legal aspects should increase the scarce sapling of brain banking. "
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Purwanti, Ari. "Dewan Pengawas Syariah Dan Pengungkapan Aspek Lingkungan, Produk Dan Jasa Pada Bank Syariah." JURNAL AKUNTANSI DAN KEUANGAN ISLAM 4, no. 2 (March 6, 2019): 169–81. http://dx.doi.org/10.35836/jakis.v4i2.25.
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This study aims to provide empirical evidence of the influence of the role of the Sharia Supervisory Board on the disclosure of environmental aspects and aspects of banking services product on Islamic banking in Indonesia based on Islamic Social Reporting in the annual report period 2013-2015. This study performed content analysis and simple regression. There are nine Islamic banks were selected in the study sample were tested. The results showed that the amount of the Sharia Supervisory Board has given a significant effect on the extent of disclosure of environmental aspects and also aspects of banking services products based on Islamic Social Reporting. However, the test results that show the influence of the frequency of the Sharia Supervisory Board meeting on the extent of disclosure of environmental aspects and aspects of banking products based Islamic Social Reporting that proved insignificant.
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Erikson Sihotang. "IMPLEMENTATION OF GOOD CORPORATE GOVERNANCE AND PRUDENTIAL PRINCIPLES (PRUDENTIAL BANKING REGULATIONS) IN BANKING." Journal Equity of Law and Governance 1, no. 1 (April 23, 2021): 10–16. http://dx.doi.org/10.55637/elg.1.1.3239.10-16.
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Banks are required to improve bank health in accordance with the provisions of the aspects of capital adequacy, asset quality, management quality, liquidity, profitability, solvency, and other aspects related to bank business, and are required to conduct business activities in accordance with the principles of prudence. The principle of trust is the main, basic, and most important principle of banking activities. Banks are institutions based on trust by taking advantage of fiduciary obligations from customers to banks in the form of trust in customer data and money from customers. The bank has a function as an intermediary institution that assists in the smooth operation of the payment system, as well as as an institution that becomes a vehicle for Government Policy policies, namely monetary policy. The application of the precautionary principle has a wide scope, not only in relation to the process of providing credit or corporate financing by banking financial institutions as stated in the Banking Act but also all aspects of banking company services. The aim of this research is to know the governance of the bank in order to prevent public doubts about the financial system of the bank.
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Guzek, James P. "Sociocultural and Religious Attitudes in Eye Banking." Journal of Refractive Surgery 7, no. 6 (November 1991): 449–51. http://dx.doi.org/10.3928/1081-597x-19911101-12.
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Mujib, Abdul. "DINAMIKA HUKUM DAN PERKEMBANGAN PERBANKAN ISLAM DI INDONESIA." Al-Ahkam 23, no. 2 (October 21, 2013): 167. http://dx.doi.org/10.21580/ahkam.2013.23.2.21.
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Almost all countries in the world including Indonesia give serious attention to the existence of Islamic banking that using religion approach in all activities and services. Institutional development it should be followed by the availability of legal basis, which is an established and clear. During the six years of its inception, the Islamic banking law stands with a very limited law basis, although the limitations of regulations have been describing aspects of sharia in Islamic banking for sure. The improvement of law is done by replacing Law No. 7 of 1992 by the Law No. 10 of 1998. This law has explicitly mention sharia aspects of Islamic banking, however Islamic banking regulation still governed together with conventional banking. The birth of Law 21 of 2008 became an important change for the development of Islamic banking. This law has given limits and a clear boundary line between Islamic banking and conventional banking in various aspects. The development of Islamic banking regulation are gaining its momentum with the enactment of Law No. 21 of 2008 concerning Islamic Banking. The strategic value of this law is increasingly opening up opportunities and legal certainty to accelerate the development of Islamic banks in the future