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All Journal KHITABAH: Khazanah Penelitian Perbankan Syariah
jurnal khitabah
Program Studi Perbankan Syariah, STAI Putra Galuh Ciamis
Economics, Econometrics & Finance

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ANALISIS KEBIJAKAN HEDGING DALAM MENGELOLA RISIKO PEMBIAYAAN PADA BANK SYARIAH DI INDONESIA jurnal khitabah; Acim Acim
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.78

Abstract

This study aims to analyze the hedging policy in managing financing risks in Islamic banks in Indonesia. Given the crucial role of Islamic banks in the economy, efficient financing risk management is key to maintaining financial stability. The hedging policy implemented by Islamic banks can help mitigate risks arising from market fluctuations, credit risks, and operational risks. This research uses a quantitative approach with regression analysis to measure the impact of hedging instruments on non-performing financing (NPF) in Indonesian Islamic banks. The data includes annual reports from several Islamic banks registered with the Financial Services Authority (OJK) from 2018-2022. The results show that the hedging policy significantly reduces NPF. Hedging instruments such as wa'ad, tawarruq, and kafala were found to be effective in reducing market risk exposure and improving the quality of financing. However, the findings also reveal that smaller Islamic banks tend to face challenges in implementing complex hedging policies due to cost constraints and limited knowledge. This study recommends that smaller Islamic banks be provided with training and support to implement hedging policies more effectively, as well as the importance of developing simpler and more affordable hedging instruments
STRATEGI BANK SYARIAH DALAM MENGHADAPI INFLASI: PENGARUH NISBAH BAGI HASIL TERHADAP DANA PIHAK KETIGA jurnal khitabah; Kikin Mutakin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.80

Abstract

This study aims to analyze the strategies implemented by PT. Bank BTPN Syariah Tbk in addressing inflationary pressures and to evaluate the impact of the profit-sharing ratio on the accumulation of third-party funds (TPF). Inflation is often a significant challenge for the banking sector, particularly for Islamic banks that operate on a profit-sharing basis. This research employs a quantitative method with a regression analysis approach to examine the relationship between inflation, profit-sharing ratios, and TPF. The data used includes secondary data from financial reports and macroeconomic statistics over a specific period. The findings indicate that inflation has a significant relationship with TPF, where the profit-sharing ratio plays a critical role in maintaining stability and enhancing customer trust. Strategies such as adjusting profit-sharing ratios and innovating Sharia-compliant products have proven effective in mitigating the effects of inflation. This research is expected to contribute to the development of Islamic banking strategies to enhance competitiveness amid economic dynamics.
PENGARUH BAGI HASIL, RELIGIUSITAS, RESIKO DAN PRODUK PADA MINAT NASABAH BANK MUAMALAT jurnal khitabah; Kikin Mutakin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.81

Abstract

The problems discussed in this research are 1) What is the influence of profit sharing on customer interest in choosing Muamalat Bank in Ciamis Regency. 2) How does religiosity influence customer interest in choosing Muamalat Bank in Ciamis Regency. 3) How does risk influence customer interest in choosing Muamalat Bank in Ciamis Regency? 4) How does the product influence customer interest in choosing Muamalat Bank in Ciamis Regency? The research method used in this research is survey research. Quantitative research methods are a type of research whose specifications are systematic, planned and clearly structured from the start until the creation of the research design. The research results show that Bank Muamalat Indonesia in Ciamis shows very good performance in various aspects, including profit sharing, religiosity, risk and products. However, several areas need to be improved, such as clarity of production sharing agreements, ensuring documents are prepared in simple and easy to understand language, and strengthening team collaborations.
Co-Authors Acim Acim Kikin Mutakin