scholarly journals Pengaplikasian Kaidah Al-Ghunm Bi Al-Ghurm dalam Pembiayaan Musharakah pada Perbankan Syariah

2022 ◽  
Author(s):  
Diana Eri Syafitri ◽  
Rachmad Risqy Kurniawan
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
The Relationship

Islamic banking is banking whose operations are based on sharia principles. The implementation system is by way of profit sharing, one of which is in musharakah transactions. Musharakah is cooperation in terms of capital which aims to obtain a profit. This study discusses the application/implementation of the rules of al-ghunm bil al-ghurm in musharakah financing in islamic banking. The purpose of this study was to describe and determine the relationship/correlation of al-ghunm bi al-ghurm rules in musharakah financing or capital cooperation in islamic banking.Keywords:shariah banking, al-ghunm, al-ghurm, musharakah.

scholarly journals Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh

2016 ◽  
Vol 3 (4) ◽  
pp. 84
Author(s):  
Sarwar Uddin Ahmed ◽  
Ashikur Rahman ◽  
Samuel Parvez Ahmed ◽  
G M Wali Ullah
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
Specific Rate ◽  
Islamic Banks ◽  
Loss Mechanism ◽  
Monthly Data ◽  
For Profit ◽  
Significant Difference ◽  
Conventional Banks ◽  
The Relationship

<p><em>Islamic banking is based on profit and loss mechanism where the use of interest is prohibited.  Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing.  However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits.  On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.</em></p>

scholarly journals Pengaplikasian Kaidah Al-Ghunm bi Al-ghurm dalam Pembiayaan Musharakah pada Perbankan Syariah

2021 ◽  
Author(s):  
Diana Eri Syafitri ◽  
Rachmad Risqy Kurniawan
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
The Relationship

Abstract : Islamic banking is banking whose operations are based on sharia principles. The implementation system is by way of profit sharing, one of which is in musharakah transactions. Musharakah is cooperation in terms of capital which aims to obtain a profit. This study discusses the application/implementation of the rules of al-ghunm bil al-ghurm in musharakah financing in Islamic banking. The purpose of this study was to describe and determine the relationship/correlation of al-ghunm bi al-ghurm rules in musharakah financing or capital cooperation in Islamic banking.Keywords: shariah banking, al-ghunm, al-ghurm, musharakah.

scholarly journals The Effect of Profit Sharing Financing and Receivables towards Total Assets in Islamic Banking: Case Study in BNI Syariah

2021 ◽  
Vol 5 (1) ◽  
pp. 28-40
Author(s):  
Zulfikar Hasan
Keyword(s):  
Main Product ◽  
Banking System ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Islamic Banks ◽  
For Profit ◽  
New Knowledge ◽  
The Relationship

The objective of my research is to observe at the relationship between receivables, profit-sharing financing to total assets at BNI Syariah Bank from 2016-2020. Total assets in BNI Syariah frequently endure fluctuations in total assets each year, whether receivables and profit-sharing financing have a significant effect on variable Y (total assets). The method that researchers run is a quantitative method using the help of SPPS software, while the variables that influence are the dependent variable receivables and profit-sharing financing. The funding channelled by BNI Syariah is essentially the same as other Islamic banks in Indonesia. Because it still uses an agreement that has long practised in the Islamic banking system, such as the Murabaha contract for the provision of receivables, Mudharabah and Musyarakah contracts for profit sharing between customers and banks. The relationship between Receivables and Revenue Sharing Financing has a positive correlation between variables. This research can also provide some connection between Murabahah and Musharaka which are one of the main product sources of BNI Syariah bank. The originality of the research that the researcher makes is his own, it is not copied and that the researcher's research idea is new and can add new knowledge.

scholarly journals Are characteristics of sharia supervisory boards able to improve the performance of islamic banking?

2019 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Ratna Fitriana ◽  
Agung Yulianto ◽  
Badingatus Solikhah
Keyword(s):  
Financial Performance ◽  
Linear Regression Analysis ◽  
Supervisory Board ◽  
Multiple Linear Regression Analysis ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Supervisory Boards ◽  
Relationship Of ◽  
The Relationship ◽  
Positive Effect

<p><strong>Purpose</strong> - The purpose of this study was to examine the effect of characteristics of Sharia Supervisory Board (DPS) such as DPS scientific background, dual positions of DPS, and the number of supervision days on the performance of Islamic banking. This paper also analyze profit sharing financing as an intervening variabl</p><p><strong>Method</strong> - The population of this study is Islamic Banks in Indonesia in 2012-2017 are 13 sharia bank. The selection of samples in this study using purposive sampling method and selected 8 banks. The data was analyzed using multiple linear regression analysis, path analysis, and sobel test.</p><p><strong>Result</strong> - The results showed that the number of DPS supervision days has a positive effect on the Sharia financial performance, multiple positions of DPS have a positive effect on profit sharing financing. The profit sharing financing is not able to mediate the relationship of the characteristics of the Sharia Supervisory Board to the Sharia financial performance.</p><p><strong>Implication</strong> - Islamic Commercial Banks in Indonesia suggest to improve the financial performance in accordance with sharia principles.</p><p><strong>Originality</strong> - This research is the first study that used intervening variable profit sharing financing.</p>

scholarly journals THE MODERATING ROLE OF INTELLECTUAL CAPITAL ON THE RALATIONSHIP BETWEEN NON PROFIT SHARING FINANCING, PROFIT SHARING FINANCING AND CREDIT RISK TO FINANCIAL PERFORMANCE OF ISLAMIC BANK

2020 ◽  
Vol 10 (1) ◽  
Author(s):  
Binar Arum Nurmawati ◽  
Aulia Fuad Rahman ◽  
Zaki Zaki Baridwan
Keyword(s):  
Credit Risk ◽  
Financial Performance ◽  
Intellectual Capital ◽  
Profit Sharing ◽  
Hierarchical Regression ◽  
Islamic Banking ◽  
Non Profit ◽  
Negative Effect ◽  
Relationship Of ◽  
The Relationship

The purpose of this study is to provide empirical evidence of the effect of non profit sharing finance, profit sharing finance and credit risk on financial performance with the integration of intellectual capital as a moderating variable. The population is all Islamic banking registered in OJK for the period 2015-2018 with a total of 192 observations. These are analyzed using hierarchical regression techniques, multiple linear regression tests and moderated regression analysis (MRA) tests, with e-views 9 software. The results show that non profit sharing financing, profit sharing financing and intellectual capital have a positive and significant effect to financial performance on Islamic banking. While credit risk has a significant negative effect to financial performance of Islamic banking. Furthermore showed that intellectual capital significantly moderates the relationship of non profit sharing finance and profit sharing finance to financial performance Islamic banks. However intellectual capital can’t be moderates the relationship of credit risk and financial performance.

scholarly journals Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh

2014 ◽  
Vol 3 (4) ◽  
pp. 84-97
Author(s):  
Sarwar Uddin Ahmed ◽  
Ashikur Rahman ◽  
Samuel Parvez Ahmed ◽  
Wali Ullah
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
Specific Rate ◽  
Islamic Banks ◽  
Loss Mechanism ◽  
Monthly Data ◽  
For Profit ◽  
Significant Difference ◽  
Conventional Banks ◽  
The Relationship

Islamic banking is based on profit and loss mechanism where the use of interest is prohibited.  Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing.  However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits.  On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.

scholarly journals Pengaplikasian kaidah al-ghunm bi al-ghurm dalam pembiayaan musharakah pada perbankan syariah

2021 ◽  
Author(s):  
Diana Eri Syafitri ◽  
Rachmad Risqy Kurniawan
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
The Relationship

Abstract : Islamic banking is banking whose operations are based on sharia principles. The implementation system is by way of profit sharing, one of which is in musharakah transactions. Musharakah is cooperation in terms of capital which aims to obtain a profit. This study discusses the application/implementation of the rules of al-ghunm bil al-ghurm in musharakah financing in Islamic banking. The purpose of this study was to describe and determine the relationship/correlation of al-ghunm bi al-ghurm rules in musharakah financing or capital cooperation in Islamic banking.Keywords: shariah banking, al-ghunm, al-ghurm, musharakah.

Determinan profitabilitas perbankan syariah di Indonesia: peran moderasi non performing financing

2021 ◽  
Vol 1 (1) ◽  
pp. 49-58
Author(s):  
Muhammad Abdul Malik ◽  
Saiful Anwar
Keyword(s):  
Cost Efficiency ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Operational Cost ◽  
Operating Income ◽  
Negative Effect ◽  
The Relationship ◽  
Positive Effect

This study aims to examine the effect of profit sharing, BOPO and financing on profitability with non-performing financing (NPF) as a moderating variable. This study uses linear regression analysis of panel data on 11 Islamic Commercial Banks (BUS) for the 2015-2019 period in Indonesia. The results of this study indicate that profit sharing and financing have a positive effect, BOPO has a negative effect on the profitability of Islamic banking in Indonesia. The relationship between profit sharing and financing in Islamic banking is moderated by non-performing financing, but not with the relationship for financing and operating income (BOPO) which is not able to moderate by non-performing financing. This research contributes to Islamic banking in Indonesia in order to make effective financing with results sharing and operational cost efficiency in operating income (BOPO) so that performance can improve financial performance.

scholarly journals Pengaplikasian kaidah al-ghunm bi al-ghurm dalam pembiayaan musharakah pada perbankan syariah

2021 ◽  
Author(s):  
Diana Eri Syafitri ◽  
Rachmad Risqy Kurniawan
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
The Relationship

Abstract : Islamic banking is banking whose operations are based on sharia principles. The implementation system is by way of profit sharing, one of which is in musharakah transactions. Musharakah is cooperation in terms of capital which aims to obtain a profit. This study discusses the application/implementation of the rules of al-ghunm bil al-ghurm in musharakah financing in Islamic banking. The purpose of this study was to describe and determine the relationship/correlation of al-ghunm bi al-ghurm rules in musharakah financing or capital cooperation in Islamic banking.Keywords: shariah banking, al-ghunm, al-ghurm, musharakah.

Muhammad Nejatullah Siddiqui. Issues in Islamic Banking: Selected Papers, Leicester: The Islamic Foundation. 1983 , I 52pp.Author and Subject Indexes.

1983 ◽  
Vol 22 (1) ◽  
pp. 57-61
Author(s):  
Shahrukh Rafi Khan
Keyword(s):  
Analytical Model ◽  
Significant Contribution ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Current State ◽  
The Subject ◽  
Made In

The book under review is a compilation of the author's articles and lectures that highlight the prominent developments in the literature on the subject of Islamic banking and inform the reader of the current state of debate on it. One of the earliest and main contributors to this topic is the author himself. The focus of this review will mainly be on "Economics of Profit-Sharing", which is the title of the fourth chapter of the book and is among his latest contributions. This chapter is a significant contribution as it is the first attempt to formalise the concept of profit sharing into an analytical model and, therefore, demands closer scrutiny. However, in the remaining chapters of the book, the author has drawn attention to some of the fine points made in the literature on this topic. Since some of these points appear to be controversial to me, I will briefly discuss them before moving on to the analytical chapter of the book.

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