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All Journal Jurnal Ilmiah Mahasiswa FEB Wacana, Jurnal Sosial dan Humaniora
Tsumma Lazuardini Imamia
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Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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ANALISIS PERBANDINGAN EFISIENSI PROFITABILITAS BANK-BANK DI NEGARA-NEGARA ASEAN Tsumma Lazuardini Imamia
Jurnal Ilmiah Mahasiswa FEB Vol 4, No 2 : Semester Genap 2015/2016
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Key of facing competition in the AEC (ASEAN Economic Community) banks should improve the efficiency. To achieve maximum profit, bank must manage costs. By using Data Envelopmen anlaysis (DEA), this study measures the efficiency of profitability of banks in ASEAN-5 (Indonesia, Malaysia, the Philippines, Singapore, and Thailand) in 2011-2014. Input variables include interest expense and non-interest expense. Then the output is profit before tax. The results of this study indicate Singapore banks had an average score of the highest efficiency in the 2011-2014 period. Kruskal Wallis test results show there are differences in the average efficiency of Singapore banking with other countries.Keywords: AEC, Data Envelopmen anlaysis (DEA), profit efficiency, ASEAN-5
The Disclosure of Islamic Ethics in Islamic Banks Tsumma Lazuardini Imamia; Iswan Noor; Asfi Manzilati
Wacana Journal of Social and Humanity Studies Vol. 22 No. 1 (2019)
Publisher : Sekolah Pascasarjana Universitas Brawijaya

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This research is aimed to acknowledge the disclosure of Islamic ethics in sharia banking business practices. Islamic banks have a different concept of understanding compared to a conventional bank in implementing the practices of collecting and channeling funds. Islamic economic system has stipulated mandatory regulations in every financial transaction of Islamic banks. Finding the balance on implementing business practices and religious orders have become the primary consideration of Islamic banks. The social responsibility as a higher priority has constructed Islamic banks with different ethical identity in contrast to the one conventional bank has. Having the ethical identity grants Islamic banks with a distinguishable unique characteristic. For  the Islamic banks, the compatibility of Islamic ethics in its practices becomes one of the strengths in thriving among the highly competitive banking industry. This research is a textual analysis which discusses Islamic ethics on Islamic banks business. The methodology applied in this research is qualitative descriptive. Based on the findings, it is revealed that sharia banking in Indonesia has not yet been ideal in implementing Islamic ethics in its business practices. Islamic banks show the presence of similarity between Islamic and conventional banks in terms of service behavior.
Co-Authors Asfi Manzilati Iswan Noor