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Sabrina Sabrina
Departemen Agribisnis, Fakultas Ekonomi dan Manajemen, Institut Pertanian Bogor
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The Reluctance Phenomenon of Islamic Banks to Offer Profit-Loss Sharing Financing Sabrina, Sabrina; Majid, M. Shabri Abd
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 13, No 2 (2020): September 2020
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v13i2.23891

Abstract

This study contributes to the existing literature on the phenomenon of lower valume of Profit-Loss Sharing (PLS)-based products offered by Islamic banks by comprehensively discussing and analyzing the issue from the internal, external, and regulation perspectives, taking the case of PT. Bank Aceh Syariah (BAS) in Indonesia. Using a grounded theory approach, this study interviews selected informants who are knowledgeable in Islamic economics, banking, and financial theories and practices, including experts, practitioners, customers, and regulators. Viewed from three aspects, namely: internal, external, and regulation, the study found that, from the internal aspect, the problem of the low volume of PLS-based financing products is caused by six factors, namely: high risk, lack of quality and quantity of human resources, complicated handling, lack of banking product innovation, asymmetric information, and lack of socialization. Meanwhile, from the external aspects, it is caused by three factors, namely: moral hazard, lack of community's knowledge of Islamic banking products, and low demand. Finally, from the aspect of the regulation, it is caused by a lack of supportive regulation. By tackling these issues, it is believed that the Islamic bank could offer more PLS-based products that finally contribute to the prosperity of the public.
Co-Authors Abdurahman Abdurrahman Adean Mayasri Adiansha, Adi Apriadi Agustina, Sri Rezeki Ainun, Ainun Aisyah, Rahma Al Farisi, Muhammad Farid Al-Fajri, Aulia Ali Akbar Amalsha, Audya Titah Amanan Amanan, Amanan Amelia, Reilla Amrani, Amrani Ananda, Ditya Anggraini, Rahma Dwi Anisah , Apriliani Anita Nurgufriani Anita Zahra, Amelia Asis, Asnita Binti Askia, Nur Asmaningrum, Nur'aini Awalia, Reski Brema, Ahmad Riansyah Caroline Caroline Cici Wulandari, Cici Cinta, Cinta Corry Yohana Damanik, Ade Ayu Miranda Damayanti, Putri Daud, Muslem Dewi, Gina Dewi Sabrina Durahman Marpaung Dwi Rachmina Eka Andriani, Eka Ekaputri, Gabriella Erlangga, Cerpin Erwin Erwin Fandra Dikhi Januardani Fathur Rahman, Adi Negara Fidela, Yuna Fikri, Al Mukhlas Firda Arlina Firdaus, Stevanny Hadi Kuncoro Hadijah Wahid, St. Hartati, Yuli Helmi Wibowo, Helmi Herlina Herlina Iha Nursolihah James Hellyward Jamilah, Sitti Jasrial Jasrial, Jasrial Jumaidin, Jumaidin Kasih, Cahaya Komaruddin, Siska Ramdhani Kurniawan, Ferrel Kurniawati Kurniawati Kusnadidi Subekti Limbong, Meilisa Sola Gratia Lubis, Nursiani Luthfi, Sofyan Luthfiya, Qonita Maftukhah, Nur Afni Maisarah, Putri Majid, M. Shabri Abd Manurung, Kezia Eunike Masyhudi, Din Muhammad Muhammad Muhammad Reza Musdalifah Musdalifah Nababan, Leonardo Stepanus Naim, Candra Abshar Nairiza syifa, Ningrum Nia Kumaladewi Nike Rahayu Ningsih, Supiah Novita Sari Nupus, Nizawaton Nursalim Nursalim Nyak Mutia Ismail Oktaviani, Delia Perkasa, Ripho Delzy Pohan, Dyo Fatarullah Prianda Pebri Purba, Herman Purwanto Purwanto Putri, Aisya Kamila Rahman, M. Abdur Rahmat Hidayat Ramadan, Trisno Mas'ud Rara Fitra, Ramadani Ratih Kurniasari Ratna Winandi RINA PERMATASARI Rita Destini Sabila, Syarafina Safputra, Abidzul Sahnan, M. Salasa Nilawati, Nurul Salma, Annisa Nabila Saputra, M Oji Saverianus Harjoko Sawitri, Isma Sembiring, Dian Agnesa Septianingrum, Deanisa Shafa, Cut Firyal Simbolon, Saripa Aini Sinaga, Gloria Filya Sipahutar, M Ali Srianto, Srianto Sundah, Pierre Mauritz Supriadi Siagian Susilawati, Puja Syabrina, Lulu Syera, Inda Arfa Takary, Ghazali Taufiq Hidayah Telisa, Imelda Umi Widyastuti Umul Aiman Widiyasari, Ririn WULANDARI, MERI Yohana F. Cahya Palupi Meilani Yunandra Yusnandar, Willy Zahra, Azizah Salma Zairinayati, Zairinayati Zuhairi, Muhammad Zuhra, Cut Mulia Zulqaiyyim, Zulqaiyyim