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All Journal Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Perisai : Islamic Banking and Finance Journal Economica: Jurnal Ekonomi Islam Jurnal Riset Keuangan dan Akuntansi (JRKA) Shirkah: Journal of Economics and Business TSAQAFAH FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Journal of Enterprise and Development (JED) Jurnal Ilmu Perbankan dan Keuangan Syariah JPS (Jurnal Perbankan Syariah) Ulumuna Etihad: Journal of Islamic Banking and Finance Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ekonomika dan Bisnis Islam Jurnal Perbankan Syariah Darussalam (JPSDa) AT-TIJARAH: Journal Islamic Banking and Finance Research Ziswaf Asfa Journal Jurnal Perbankan Syariah
Budi Sukardi
UIN Raden Mas Said Surakarta
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Sustainability of Indonesian Islamic Banking in terms of Corporate Ethical Identity and Corporate Governance Budi Sukardi; Agung Abdullah; Fuad Dhiya Ul Husaen
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 14, No 2 (2022)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i2.11664

Abstract

This study empirically demonstrates efforts to strengthen the performance of identity and corporate governance on the sustainability of Islamic banking in Indonesia, the influence of corporate identity performance on Islamic banking governance in Indonesia, and the influence of the performance of corporate identity and governance on the sustainability of Islamic banking in Indonesia.  This is due to the low social function of Islamic banks in Indonesia towards the sustainability of better business, social, and environmental performance.  Types of quantitative research with an ex post facto research design. The research population of all Islamic banks in Indonesia included BMI, BSI, BMSI, and BSMI samples.  The data were analysed using simple additive weighting techniques by modelling using SEM-PLS techniques. The study's conclusions show that strengthening corporate identity performance and corporate governance towards the sustainability of Islamic banking in Indonesia is carried out with regulations, policies, and Sharia compliance. Corporate identity performance positively and significantly affects Islamic banking governance in Indonesia. A company's management has no effect on the sustainability of Islamic banking in Indonesia. This study provides recommendations from the government as a policy regulator that contributes to the supervision of Islamic banks in Indonesia, especially in the implementation of corporate governance, which includes the ethical performance of companies and the sustainability of Islamic banking in Indonesia by making systematic regulations as a reference for Islamic banks. Islamic banks in Indonesia need to re-reflect on neglected social activities because they prioritise commercial activities too much, thus ignoring social activities which are also at the core of bank activities as intermediary institutions and financial services.
HOW DOES STRENGTHENING ISLAMIC BANKING COMPETITIVENESS? INDONESIA EVIDENCE Budi Sukardi; Mohammad Albizar Putra Riyadi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 2 No. 2 (2022): Juli 2022
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (482.262 KB) | DOI: 10.30739/jpsda.v2i2.1447

Abstract

The quality of service provided depends on the ability of service providers to meetcustomers’ expectations. This study aims to determine the impact of Islamic servicequality and floating market methods on the competitiveness of Islamic banks. Thisstudy used quantitative methods with non-probability sampling techniques, usingpurposive sampling techniques. The study population was BTN Syariah customers.The data acquisition was made by spreading questionnaires to customers. Informationgleaned from specific considerations tailored to the research’s purpose or problemand data analysed by multiple linear regression techniques. The results showed thatIslamic service quality affects the competitiveness of Islamic banks, and marketingmethods based on the floating market affect the competitiveness. The study improvedBTN Syariah Indonesia’s competitiveness in Islamic service quality and marketingmethods based on the floating market. This research helps banks recognise the pointsand strategies for strengthening Islamic banks’ competitiveness and generatingpositive experiences to gain customer loyalty with the proper approach, namelyIslamic service quality and marketing strategies with floating market methods.
Quality E-Wallet Transaction Services for Indonesia's Millennial Student Generation Indah Selsapagita; Budi Sukardi
Perisai : Islamic Banking and Finance Journal Vol 7 No 1 (2023): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i1.1632

Abstract

The study aims to determine the influence of the quality of e-wallet transaction services simultaneously on the lifestyle of Solo Raya millennial students and determine the most dominant variables affecting the lifestyle of Solo Raya millennial students. A quantitative approach was used in this study. The study population consisted of millennial students in Solo Raya. The research sampling method was purposive and used predetermined criteria. Data collection techniques included documentation, literature review, and questionnaires. Data analysis using multiple regression techniques. The result of the study is that the quality of e-wallet transaction services simultaneously significantly affects the lifestyle of millennial students in Solo Raya. The most dominant variable affecting the lifestyle of the Solo Raya millennial students was reliability.
Islam and the Struggle for Multiculturalism in Singkawang, West Kalimantan: Local Ulama, Theological-Economic Competition and Ethnoreligious Relations Dwi Surya Atmaja; Fachrurazi Fachrurazi; Lalu Agus Satriawan; Eko Asmanto; Budi Sukardi
Ulumuna Vol 27 No 1 (2023): June
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ujis.v27i1.516

Abstract

This study explores the dynamics of multiculturalism in Singkawang, the most tolerant city in Indonesia. It surprises every scholar studying conflicts as the city can adequately manage conflicts. It was evidenced by the cessation of the deadly conflict, the Sambas 1999 in the city, and by the establishment of ethnocultural groups inherited since the Dutch colonialism that generated pseudo-multiculturalism, in which all ethnic and religious communities have been tolerant but exclusive and fragile to conflict. Fortunately, as the champ of economic but socio-political competition, the Chinese have an ancestral tradition of sharing their wealth considerably. This is with no regard to either the profane or sacred places or their Muslim counterparts' social or ritual activities. Supposedly, instead of refusing "infidelity" contributions, local ulama appreciate and, in return, struggle to promote the substitution of pejorative calls of Chinese with Tionghoa. In conclusion, theoretically, economic welfare is the mayonnaise poured over Singkawang's "Salad Bowls," maintaining its conducive but pseudo-multiculturalism.
Pengaruh Rasio Keuangan Terhadap Pembiayaan Bermasalah PT Bank Muamalat Tbk Anggi Puspita Sari; Muhammad Alan Nur; Budi Sukardi
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol 5 No 1 (2023)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v5i1.191.67-82

Abstract

Tujuan dari studi penelitian ini ialah untuk menguji apakah dampak pengaruh dari rasio keuangan terhadap pembiayaan bermasalah PT Bank Muamalat Tbk dengan indikator seluruh rasio keuangan meliputi rasio keuangan likuditas (FDR), solvabilitas (ROA), (ROE), (NIM) dan biaya operasional (BOPO) serta rentabilitas (CAR). Populasi penelitian dengan mengacu pada laporan keuangan pada PT Bank Muamalat Tbk tahun 1998 hingga 2021 menggunakan metode purposive sampling untuk pengambilan sampel. Dalam studi penelitian ini data diolah dengan alat analisis yaitu aplikasi olah data Eviews 12 menggunakan Metode Least Square (LS) yang menghasilkan nilai parameter model penduga yang lebih tepat, apakah model tersebut menyimpang dari asumsi klasik ataupun tidak serta merupakan teknik peramalan yang menggunakan data deret waktu untuk mengidentifikasi suatu tren tertentu. Digunakan dalam studi penelitian ini, untuk mengolah data dan menguji Asumsi Klasik menggunakan uji regresi linear berganda (Multikolinearitas, Autokorelasi, Heteroskedastisitas, Normalitas, dan Linearitas) serta regresi linier berganda juga diuji. Temuan penelitian ini menunjukkan bahwasanya likuiditas tidak berpengaruh terhadap NPF Nett, rentabilitas berpengaruh terhadap NPF Nett pada variabel ROA, ROE, NIM. Sedangkan variabel BOPO pada rentabilitas tidak memiliki pengaruh terhadap NPF Nett. Serta solvabilitas terbukti signifikan berpengaruh terhadap NPF Net. Dalam hal ini, CAR yang menilai kecukupan modal yang dimiliki suatu bank untuk menentukan solvabilitas berpengaruh terhadap tingkat berapa pembiayaan bermasalah yang terjadi di PT Bank Muamalat Tbk.
Corporate Governance Engineering of Islamic Banking and Finance: Tantangan Globalisasi Sistem Ekonomi dan Pasar Bebas Budi Sukardi
TSAQAFAH Vol. 9 No. 1 (2013): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i1.42

Abstract

The development of Islamic banking indicated dynamic changes and rapid growth. Some countries such United States, United Kingdom, European Union, Canada, Singapore implemented the Islamic financial system. However, economic globalization, laissez-faire, and financial crisis that engulf Indonesia as consequence the lack of bankers commitment to corporate governance, regulation and supervision of the government,business climate of banking do not prioritize business ethics between investors and bankers. Emerging debate that the models of corporate governance developed in western countries can not applicable in Muslim countries, even countries with high levels of corruption. Both models oscillated to find solution in fulfill stakeholders which the principles of morality have been ignored. The Implementation of corporate governance became part of social responsibility, values, ethics and norms must be possessed by Islamic banking due to highly correlated with the organizational readiness and the alignment of management actions to satisfy and ser ve stakeholder needs ,giving an exclusive deals in compliance the justice of morality ,social welfare,economic and political system, corporate image and accountability in keeping the identity of Islam as a religion. Corporate governance became a value system in Islamic financial institutions which giving same legal protections to all stakeholders, it would have an impact the effectiveness, the sustainability of institutions and generate trust with security sense of the community ,financial efficiency ,fiscal and monetary policies resulting in financial equilibrium.
Corporate Ethical Identity Perbankan Syariah di Indonesia Budi Sukardi Taufiq Wijaya
TSAQAFAH Vol. 9 No. 2 (2013): Islamic Ethics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i2.56

Abstract

This article describes the extent of Islamic Banking in Indonesia in function as an agent of development through ethical identity disclosure in annual reports of Islamic Banking. The importance ethical identity of the company as a part of the personality in the achievement of business objectives, has the purpose to describe the manifestations and uniqueness in order to operate well and success in the market, able to provide recognition and distinction between banks, as an important aspect of the bank’s market competitiveness of sustainable, which includes an understanding of the ethical and social culture of the bank. Islamic banking as a financial institution which different with conventional banks, have a view applies fundamental concepts of property rights and contracts that govern behavior, ethical, moral and social economy, both individuals, institutions, communities and countries. Fundamental perspective above, will be able to belief in religion (Islam), as well as support for Islamic Banks to be integral and system economic of Islam will be applicable in all times and in particular contribute for national economy, as well as being an alternative system for the development of the world economy.
Inklusivisme Maqâsid Syarî’ah Menuju Pembangunan Berkelanjutan Bank Syariah di Indonesia Budi Sukardi
TSAQAFAH Vol. 12 No. 1 (2016): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v12i1.375

Abstract

This paper review to assess the performance of Islamic Bank of Devisa on syarî’ah maqâsid index and its inclusive contribution to sustainable development of Islamic Bank in Indonesia. This paper was an exploratory study with survey eksperience, using the analysis of secondary datas and the pilot studies of the population of Islamic Bank in Indonesia with sample of Islamic Bank of Devisa, such as Bank Muamalat Indonesia, BNI Syariah, Bank Syariah Mandiri, and Bank Syariah Mega Indonesia. Research lowered concept of maqâsid syarî’ah index into three main dimensions; individual education, establishing justice and the public interest. The results showed the syarî’ah maqâsid index of Islamic Bank of Devisa in 2012-2014; Bank Muamalat Indonesia scored of 24,9209, Bank Syariah Mandiri scored of 25.4773, Bank Negara Indonesia Syariah scored of 25.6511 and Bank Mega Syariah Indonesia scored of 16.5110. The inclusive contribution of maqâṣid syarî’ah to sustainable development Islamic Bank in Indonesia is an attempt to reduce the lack of access to financial services, such as providing access to the community and a focus on risk sharing and redistribution of wealth. Islamic financial innovation needed to provide appropriate products and financial services for the community to increase their income and social welfare. Their access to financial services for the sustainability of economic, environmental and religious order Islamic Bank can contribute to the public and become a leading industry in achieving the highest aim of sharia-focused and oriented to the survival of human, natural, economic resources creative, and all aspects of life.
DIGITISATION’S IMPACT ON ISLAMIC FINANCIAL INSTITUTIONS: WEBSITE-BASED FINANCING SYSTEM SERVICES Fourika Dela Putriana; Budi Sukardi; Fuad Dhiya Ul Husaen
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.478

Abstract

This study will examine the effect of efficiency, reliability, privacy, fulfilment, responsiveness, and compliance on members' interest in applying for website-based financing products at BMT Amanah Ummah (AUM) Sukoharjo Central Java, Indonesia. This research is quantitative; the data come from a questionnaire distributed to all sharia financing customers at BMT AUM, and the data is analysed using multiple regression statistical techniques. The study's results prove that efficiency positively and significantly affects members' interest in submitting website-based online financing products at the BMT AUM. Reliability, privacy, and fulfilment do not affect members' interest in applying for a website-based online financing product at BMT AUM. Responsiveness has a positive but insignificant effect on members' interest in applying for website-based online financing products at BMT AUM. Compliance positively and significantly affects members' interest in applying for website-based online financing products at BMT AUM.
How are Muslims Interested in Using Sharia Insurance? Empirical Study of Karanganyar Community in Indonesia Fadzkhul Jannah; Budi Sukardi
Etihad: Journal of Islamic Banking and Finance Vol 3, No 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7369

Abstract

Introduction: Indonesia is a densely populated country where most of the population is Muslim. These conditions, such as Sharia insurance, can be an excellent opportunity for the Sharia sector. However, in general, the development of the sharia sector is not as significant as the development of conventional finance. Research Methods: This study is quantitative. Used in this research is the descriptive quantitative method. The number of samples in this study was 83 respondents. Respondents in this study were the Muslim community of Karanganyar. The sampling technique used is probability sampling, namely, giving questionnaires to respondents. The tests used to prove and analyse the data are validity, reliability, classical assumption, model determination, multiple linear regression, F-test, and t-test. Results: This study approves that religiosity, knowledge, income, and promotion positively affect the Muslim community's interest in using Sharia insurance in Karanganyar community, Central Java, Indonesia. Conclusion: Religiosity and promotion positively and significantly affect the Muslim community's interest in using Sharia insurance. Knowledge and income do not positively affect the Muslim community's interest in using Sharia insurance.
Co-Authors Abdullah, Agung Ana Fidatul Qulub Anggi Puspita Sari Anggi Puspita Sari Dwi Surya Atmaja Fachrurazi Fadzkhul Jannah Febtika Budiya Elsasari Fourika Dela Putriana Fuad Dhiya Ul Husaen Fuad Dhiya Ul Husaen Fuad Dhiya Ul Husaen Indah Selsapagita Lalu Agus Satriawan Luluk Mu'afifah Mohammad Albizar Putra Riyadi Muhammad Alan Nur Muhammad Alan Nur Muhammad Alan Nur Muhammad Kurnia Rahman Abadi Supriyanto Supriyanto Widiatmini Widiatmini