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Analisis Perbandingan Kinerja Keuangan Bank Konvesional dan Bank Syariah yang Terdaftar pada Indonesia: Studi Kasus Bank Syariah Mandiri dan Bank Mandiri Nur fadhilah; Haryono; Rusliyawati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.8875

Abstract

The purpose of this study is to compare the financial performance between Bank Syariah Mandiri and Bank Mandiri in Indonesia in the period 2019-2023 using financial ratios. The financial ratios used consist of ROA, CAR, KAP, NPL, and LDR. The purpose of this study is to determine whether there is a difference between the financial report performance of Bank Syariah Mandiri when compared to Bank Mandiri. The analysis technique used to see the comparison of the financial performance of Bank Syariah Mandiri with Bank Mandiri is a quantitative method using SPSS. The results of the analysis show that there is a significant difference for each financial ratio between Bank Syariah Mandiri and Bank Mandiri. Bank Syariah Mandiri has better performance in terms of the LDR ratio, while Bank Mandiri has better performance in terms of ROA, CAR, KAP, and NPL
Analisis Perbandingan Kinerja Keuangan Bank Konvesional dan Bank Syariah yang Terdaftar pada Indonesia: Studi Kasus Bank Syariah Mandiri dan Bank Mandiri Nur fadhilah; Haryono; Rusliyawati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.8875

Abstract

The purpose of this study is to compare the financial performance between Bank Syariah Mandiri and Bank Mandiri in Indonesia in the period 2019-2023 using financial ratios. The financial ratios used consist of ROA, CAR, KAP, NPL, and LDR. The purpose of this study is to determine whether there is a difference between the financial report performance of Bank Syariah Mandiri when compared to Bank Mandiri. The analysis technique used to see the comparison of the financial performance of Bank Syariah Mandiri with Bank Mandiri is a quantitative method using SPSS. The results of the analysis show that there is a significant difference for each financial ratio between Bank Syariah Mandiri and Bank Mandiri. Bank Syariah Mandiri has better performance in terms of the LDR ratio, while Bank Mandiri has better performance in terms of ROA, CAR, KAP, and NPL
ISLAMIC FAMILY MEDIATION IN SOUTHEAST ASIA: AN ANALYSIS OF CULTURAL LEGITIMACY, LEGAL STRUCTURE, AND CONTEMPORARY DYNAMICS IN INDONESIA AND MALAYSIA Rahma Khofifah Khoirun Umah; Nur Fadhilah; M. Darin Arif Mu'allifin
al-Mawarid Jurnal Syariah dan Hukum (JSYH) Vol. 7 No. 2 (2025): al-Mawarid Jurnal Syariah dan Hukum (JSYH)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/mawarid.vol7.iss2.art5

Abstract

Purpose – This study examines the legal framework and institutional practices of family dispute mediation in Indonesia and Malaysia within the context of Islamic family law. This study aims to evaluate how legal pluralism, religious values, and cultural norms shape the implementation and effectiveness of mediation mechanisms in both countries by comparing the effectiveness of the regulation and implementation of family mediation in Indonesia and Malaysia, highlighting Indonesia's reliance on mediation and Malaysia's reliance on the Majlis Sulh. Methods – This study employs a qualitative legal methodology with doctrinal, comparative, and empirical approaches. The regulations compared include PERMA No. 1 of 2016 and related regulations in Indonesia, as well as the Islamic Family Law Act 1984 (Act 303) and Kaedah-Kaedah Sulh in Malaysia. The analysis examines the legal framework, institutions, and implementation of family mediation, supported by institutional data from the Supreme Court of the Republic of Indonesia (2022) and the Malaysian Sharia Judicial Department (2020). Findings – The findings reveal significant contrasts: while Indonesia relies heavily on court-annexed mediation led by judges, Malaysia has institutionalized Sulh through the Syariah Court's Majlis Sulh, featuring trained officers and standardized procedures. In Indonesia, mandatory mediation often lacks adequate screening for domestic violence, which raises ethical concerns. Conversely, Malaysia's structured system demonstrates greater procedural integrity and role clarity. Cultural and psychosocial dimensions further influence the outcomes. Community-based models in Indonesia emphasize negotiated resolutions, whereas Malaysia prioritizes religious legitimacy and professionalization. The role of psychosocial professionals and child-inclusive practices emerged as vital elements for increasing effectiveness. Legal culture, public trust, and the institutional environment also determine how mediation is perceived and practiced, with Malaysia benefiting from clearer legal demarcation. Research contribution/limitations – This study contributes to the growing body of literature on Islamic legal pluralism and non-adversarial justice by identifying the institutional, cultural, and ethical factors that enhance or constrain mediation in Muslim-majority contexts.
Co-Authors Adjili, Mosses Agung Listiadi Ahmad Hasibuan Ahmad Syarifuddin AHMADI Alamsyah, Muhammad Nurravi Alma Salsabila Andi Hardianti Anggreningrum Anggreningrum Aprilia Dwi Rahmawati Arianggara, Andi Wilda Arief Widjaja Arochman Arochman BUDI UTOMO Caesar Dwiky Darmawan Cahyo Prasetyo Chan Chow Khuen Cynthia Claudia Dedi Darmadi Delima Nisa Harahap Dhea Adela Dimas Baswara Putera Djauhari Dwina Moentamaria Eka Sofia Agustina Elisa Winanda Elvi Murniasih Eny Jumiati Era Yunianto Fathhanah Kemimaro fauziahilham, nuranisa Fiardi, Andi Firsi Nurmalisa Fitri Juliana Fitri Rachmawati Hari Agung Budijanto HARYONO Husni Kusuma Dinata Indah Purnama Sari Izhar Khairullah Jihaan Shabri Rahiidah Khansa Diwanggana Rehning Rayusny Khoirun Khoirunnisa Ritonga Lutfi Afifah M. Darin Arif Mu'allifin Mahdiyah Rossana Baruna Maktum Muharja Meilinda Silaban Mila Halisyah Mira Agusthia Muh Alimin Muhamad Baihaqi Muhammad Faqih Syahputra Muhammad Qinthar Rahman Muna Nabila Mustaji Mutia Izzatun Nurul Imamah Nur Abdurrohim Nur Nasry Noor Puspita Sari Putri Amanda Rahma Khofifah Khoirun Umah Rahmadillah Muhti Rasmawati Rasmawati Rasmawati Rehan Tri Natami Ria Regita Rifa Fahri Rika Adriyana Riski Sulistiyaningsih Riski Sulistiyaningsih Rizal Adimas Pamungkas Rizki Fitria Darmayanti Rizki Sari Utami Muchtar Rusliyawati Rusmila Agustina Salfauqi Sariyulis Satriedi Wahyu Binabar Septri Monalisa N setiawan, andi didik Shifa Fauziyah Siti Nuriyah Hasanah Siti Ramlah Usman Sri Agusty Putri Sri Sukapti Stang Stang Steven Witman Steven Witman Sulfakar, Sukmawati Sulistiawati Sulistiyaningsih, Riski Susi Wendhaningsih Tatang Surjana Teguh Hari Sucipto Wati, Rasma Widati Fatmaningrum Wulan Pramadhani Yulianah Sulaiman Ziyan Tirta Maulitia Zulfiyani Sudirman