sejak tahun , industri perbankan syariah masional terus tumbuh dengan laju .. modal inti minimum dan klasifikasi BUKU Bank. Umum Syariah dan (ii). PDF | The book explains the Islamic Banking operation and accounting principles of Islamic Bank. PDF | On Jan 1, , Kautsar Salman and others published Akuntansi Perbankan Syariah Berbasis PSAK Akuntansi Perbankan Syariah Berbasis PSAK Syariah . Isi buku ini: Bab (1) Pajak Penghasilan Umum; (2).
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Methodology The research method used is a quantitative method with multiple regression test techniques and using statistical tools Stata version Discussion And Findings 4. Role of Capital and Profit on Financing Expansion Capital in Islamic banking is sourced from equity participation and undistributed profits.
Whereas 9 is the number of observations, i. Above the value of 0.
The value of this beta coefficient is used as the value in the regression equation. Where Y is the dependent variable, , are constants, X1 equity variables, X2 profit variables, and e are errors. Based on the results of data processing above, the value of regression coefficients on the independent variables describes if the estimated independent variables rise by one unit, and the value of other independent variables is determined to be constant or equal to zero, then the value of the dependent variable is expected to rise or may fall in accordance with the sign Regression coefficient of independent variables.
Base multiple linear regression equations above obtained constant value equal to , That is if the variable of Financing Expansion Y is not influenced by the two independent variables that are Equity X1 and Profit X2 is zero, then the amount of financing expansion is Rp2,, Billion.
The sign of the independent variable regression coefficient shows the direction of the relationship of the variables concerned with the Equity. The regression coefficient for the independent variable X1 is positive, indicating a direct correlation between Equity and Expansion Y.
The regression coefficient of variable X1 of 7, means that every increase of Equity X1 of one unit will cause the growth of financing Expansion Y of Rp7, Billion. The regression coefficient for the independent variable X2 is positive, indicating a direct relationship between Profit X2 and Expansion Financing Y.
The regression coefficient of X2 variable of 13, means for each increase of Profit X2 of one unit will cause the growth of financing Expansion Y of Rp13, Billion.
Challenges of Islamic Banks to Increase Financing Expansion The effort to increase the current Islamic Bank capital depends heavily on the shareholder policy which is also as a conventional bank with the same core business and services as its subsidiary, the Islamic Bank. While competition between conventional banking with Islamic banking in expanding financing is still in the same market, so it is somewhat tricky for Islamic banking with the current condition as a subsidiary of the conventional bank to get the flexibility of capital.
Besides, the higher the capital owned, it also affects the increased ability of the Bank in absorbing the potential risks that occur, as known today NPF Islamic banking financing is higher than the NPF in conventional banks as shown in Table 4: 6 Islamic Banking Capital Challenges to Increase Business Expansion Indonesia Cases Table 4.
The declining profit from Islamic banking has resulted in reduced ability to expand. Even with the increasing number of NPF or non-performing financing has resulted in lower public trust owner of funds to place their funds in Islamic Banks. Therefore, if Islamic banking industry competes with conventional banking that already has 5 five banks included in the category BUKU IV four will give impact Islamic banking will be far behind. Banks with BUKU IV category can conduct their business activities more freely, either from network expansion, financing expansion, collecting third-party funds, innovating products and services such as digital banking.
The Principal of Risk and Profit Sharing in Islamic Banking
To be able to compete with conventional banking, Shariah banking should stand alone, not as a subsidiary to increase the flexibility to get capital.
Some of these alternatives can be pursued by Islamic banking that is tailored to the internal capabilities and business prospects to come. Also, the planned merger of Islamic banks can also be used as an alternative to increasing Islamic banking capital.
According to Gupitasari, et al. Also, according to Yudistira said the merger of Islamic banks could also increase efficiency.
Nevertheless, according to Nugroho, et al. Conclusion and Recommendation 5. Conclusion The strength of capital and profit generated by Islamic banking significantly influences the expansion of financing. Therefore, the Islamic bank structure which under supervised from the conventional bank as the parent's company should be separated.
Nevertheless, the policy intervention from government very urgent to implement this corporate action because of the status of the conventional bank is state own company. Nevertheless, the high level of problem financing also resulted in lower public trust on Islamic Bank because of the impact is decreasing the profit. The profit for the company has a role in empowering the Islamic Bank to increase the business thus the Islamic Bank needs the professional team to manage the operation also the consciousness of the community either that debts must be pay off.
There are 3 three aspects that must be improved by Islamic banks to be able to compete are the quality of human capital, a simple organization and a qualified information technology IT.
Besides, the tight banking competition in Indonesia requires all banks to be able to run their activities efficiently. This condition causes banks to apply the principle of prudentiality and carefully in channeling their financing to segments that have good prospects for the future. The selection of prospect segment main is to avoid rising problematic financing that will lead to high capital needs of a bank to cover the bad debt, if The bad debt in bank increases will undoubtedly be coupled with policies to reduce the supply of financing.
There is an alternative for Islamic banks to improve competitiveness by increasing the scale of their business through mergers so that competitiveness and profitability ability can enhance Nugroho et al. Results give us confidence that it is socially beneficial to change legislation and attract non-residents to establish private foundations in a country to address their business and wealth succession issues.
Recommendation The dependence of Islamic banks is related to the increase of capital to the parent company; namely conventional banks become a challenge for the government to be able to take decisions related to the planned merger of Islamic banks under state-owned banks.
The policy should also consider that the contribution of Islamic banking with its Sharia principles can provide benefits to the community. References Abdul-Gafoor, A.
Islamic Banking. Noor Deen, Kuala Lumpur.
Alam, M. International Journal of Islamic Financial Services, 1 4 , Antonio, Muhammad Syafi'I. Bank Syariah: Dari Teori ke Praktik. Gema Insani, Arafah, W. Ashraf, B. Shareholder protection, creditor rights and bank dividend policies. China Finance Review International, 5 2 , Aysan, A. Is Small the New Big?
Islamic banking for SMEs in Turkey. Economic Modelling, Vol. Becker, B. Bilal, G. Islamic finance: alternatives to the Western model. Fletcher F. World Aff, 23, Islamic banks and financial stability: An empirical analysis. Journal of Financial Services Research, 38 , Disappearing dividends: changing firm characteristics or lower propensity to pay?.
Journal of Financial economics, 60 1 , Febianto, I. Hanson, Samuel G. Kashyap, and Jeremy C. Haron, S.
The Framework and concept of Islamic interest-free banking. Journal of Asian Business, 11 1 , Holmstrom, Bengt, and Jean Tirole. Iqbal, Z. Progress and challenges of Islamic banking.Purbaningsih, Rr.
The regression coefficient for the independent variable X2 is positive, indicating a direct relationship between Profit X2 and Expansion Financing Y. Economic Modelling, Vol. Gramedia Pustaka. Challenges of Islamic Banks to Increase Financing Expansion The effort to increase the current Islamic Bank capital depends heavily on the shareholder policy which is also as a conventional bank with the same core business and services as its subsidiary, the Islamic Bank. RajaGrafindo PesadaJakarta Tahun , hlm mengutip tulisan sayyid sabiq dalam buku fiqh sunnah, hlm 68 Also, according to Yudistira said the merger of Islamic banks could also increase efficiency.
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