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All Journal Binus Business Review Varia Justicia
Muhammad Ridhwan Ab. Aziz
Universiti Sains Islam Malaysia
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Intellectual Capital (IC) Determinants: Impact on Productivity of Islamic Banks Muhammad Ridhwan Ab. Aziz; Ahmad Azwan Meor Hashim
Binus Business Review Vol. 8 No. 3 (2017): Binus Business Review
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/bbr.v8i3.3741

Abstract

This research aimed to investigate the relationship between the Intellectual Capital (IC) efficiency empirically. It consisted of human capital, structural capital, capital employed, and relational capital with the impact on the productivity of Islamic banks in Malaysia. The Pulic’s Value-Added Intellectual Coefficient (VAIC) method with the extended and modified version introduced by former scholars was used to measure IC, whereas bank productivity was measured through Assets Turnover Ratio (ATO). Three internal factors that might have determinants effect on VAIC, namely bank size, bank risks, and leverage were further tested to find their relationship. Structural stability tests and dynamic regression models for panel data were also used for the data of 16 Islamic banks in Malaysia from 2009 to 2016. The panel-corrected standard errors estimation technique was used to estimate a panel regression model with bank productivity and VAIC as the dependent variables. The regression analysis suggests that Malaysian Islamic banks are depending heavily on the capital employed component of intellectual capital, followed by human capital, structural capital, and relational capital. The results also suggest that bank’s risks and leverage play a major role in determining intellectual capital. The findings may serve as a useful input for Islamic bankers to indicate whether the contribution of intellectual capital and its components needs further improvement which it has produced the best results, and internal factor might affect IC.
Developing Muhammadiyah waqf lands through Islamic investment model: special case in Indonesia Fahmi Medias; Zulfikar Bagus Pambuko; Chrisna Bagus Edhita Praja; Muhammad Ridhwan Ab. Aziz; Duddy Roesmara Donna
Varia Justicia Vol 16 No 2 (2020): Vol 16 No 2 (2020)
Publisher : Fakultas Hukum Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/variajusticia.v16i2.3720

Abstract

Waqf institutions in some Muslim countries including Indonesia face obstacles in providing funds to manage their waqf lands. This paper aims to propose an alternative developing model for Muhammadiyah waqf institutions to meet the financing and management constraints using the concepts of waqf land categorisation using Islamic investment models. In this conceptual paper, the theory is used to propose a model for developing waqf Muhammadiyah in Indonesia. This study identified inefficiencies in managing Muhammadiyah waqf in Indonesia due to financial problems and the lack of ability of waqf institutions in developing assets. The authors have developed an investment model as a source of waqf land financing for Muhammadiyah waqf institutions in Indonesia. This model is expected to be a solution for empowering undeveloped and unproductive Muhammadiyah waqf lands and can be applied by Muhammadiyah waqf institutions in Indonesia. In the development of this study, Muhammadiyah waqf institutions, Islamic financial institutions, and policymakers will find alternatives in developing productive waqf for the ummah. The findings of this study will provide Muhammadiyah waqf institution with an Investment model to develop their waqf. Through this study, waqf will be useful in resolving the problems of poverty, unemployment, social inequality, improving education and health facilities, and improving the Indonesian economy. This model is different from the management of existing Muhammadiyah waqf, which is carried out consumptively. Then, waqf land that has been categorized is transformed into productive assets such as agricultural products and commercial business projects. The proposed investment model is to help Muhammadiyah waqf institutions to develop waqf land. The investment model is used to make Muhammadiyah waqf land more productive and play a role in social welfare.
Co-Authors Ahmad Azwan Meor Hashim Chrisna Bagus Edhita Praja Duddy Roesmara Donna Fahmi Medias Zulfikar Bagus Pambuko