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Journal : Moneter : Jurnal Keuangan dan Perbankan

Efficiency Analysis of Sharia Regional Development Banks in Indonesia Using Two-Stages Data Envelopment Analysis Aliyah, Hikmatul; Maulani, Denia; Marlina, asti
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.172

Abstract

The main objective of this study is to evaluate the efficiency level of Sharia Regional Development Banks between 2014 and 2017 using the Data Envelopment Analysis (DEA) method. The efficiency analysis results indicate that the efficiency level of Sharia Regional Development Banks during the study period from 2014 to 2017 was quite fluctuating. In 2014, five Sharia Regional Development Banks showed inefficiency, namely Bank DIY Syariah, Bank Jateng Syariah, Bank Jatim Syariah, Bank Kalsel Syariah, and Bank NTB Syariah. In 2015, four Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Jatim Syariah, Bank Kaltimtara Syariah, and Bank NTB Syariah. In 2016, five Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Sulselbar Syariah, Bank Kaltimtara Syariah, Bank NTB Syariah, and Bank Jatim Syariah. However, in 2017, only two Sharia Regional Development Banks showed inefficiency, namely Bank Jatim Syariah and Bank Kaltimtara Syariah.
Islamic Bank: Fatwa Perspective from The National Sharia Council of The Indonesian Ulama Council on Resolving Financing Problems Maulani, Denia; Artasya, Andini Nabilah; Bimo, Widhi Ariyo; Aliyah, Hikmatul
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.438

Abstract

Financing in Islamic banks has a level of risk that the possibility of default occurs, so it is necessary to analyze the correct financing by bank staff so as not to cause losses and require handling that is fast, precise and in accordance with sharia provisions. This study aims to determine the efforts to resolve problematic financing, the factors causing problematic financing and the suitability of the Fatwa of the National Sharia Council-Indonesian Ulema Council with existing financing at PT.BPRS Amanah Ummah. Qualitative-descriptive method by collecting data through interviews and documentations. During 2022, the percentage of non-performing financing at PT.BPRS Amanah Ummah Bogor Branch is 0% lower than the maximum percentage limit for non-performing financing determined Bank Indonesia of 5%, the performance of PT.BPRS Amanah Ummah Bogor Branch in 2020 -2022 is categorized as very healthy. Efforts made by PT.BPRS Amanah Ummah in dealing with problematic financing, namely taking an intensive approach to financing customers, providing customer summons, rescheduling and selling joint guarantees. Factors causing problematic financing consist of bank internal factors and bank external factors. Settlement of non-performing financing at PT.BPRS Amanah Ummah with the DSN-MUI Fatwa is in accordance with the review of the DSN-MUI Fatwa No.48/DSN-MUI/II/2005 concerning rescheduling murabahah bills and DSN-MUI Fatwa No.47/DSN-MUI /II/2005 concerning the settlement of murabahah receivables for customers unable to pay.