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Journal : JEJAK

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 Affandi, Ridho 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 Anisah , Apriliani Anita Nurgufriani Anita Zahra, Amelia Anugrah, Aditya Ariashadi, Kania Putri Asis, Asnita Binti Askia, Nur Asmaningrum, Nur'aini Awalia, Reski Brema, Ahmad Riansyah Caroline Caroline Cici Wulandari, Cici Cinta, Cinta Corry Yohana Dadan Hermawan, Dadan Dadan Nugraha Damanik, Ade Ayu Miranda Damayanti, Putri Daud, Muslem Dewi, Gina Dewi Sabrina Durahman Marpaung Dwi Rachmina Dzikra, Fahira Medina Eka Andriani, Eka Ekaputri, Gabriella Ekawati, Rizka Erlangga, Cerpin Erwin Erwin Esa Zulhija, Zikry Faizah, Cut Fandra Dikhi Januardani Fathur Rahman, Adi Negara Fidela, Yuna Fikri, Al Mukhlas Firda Arlina Firdaus Firdaus Firdaus, Stevanny Giawa, Jacob Immanuel Gusrianti, Silfa Hadi Kuncoro Hadijah Wahid, St. Hafidza, Amanda Hartati, Yuli Haryanti Haryanti 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 Maisarah, Putri Majid, M. Shabri Abd Manurung, Kezia Eunike Mariana Mariana Masyhudi, Din Muhammad Muhammad Muhammad Reza Muntako, Ahmad Musdalifah Musdalifah Nababan, Leonardo Stepanus Nabila, Salsa Naim, Candra Abshar Nairiza syifa, Ningrum Nia Kumaladewi Nike Rahayu Ningsih, Supiah Novita Sari Nupus, Nizawaton Nurfadilah Nurfadilah Nurfajriani, Nurfajriani Nursalim Nursalim Nursyamsi Nursyamsi Nyak Mutia Ismail Oktaviani, Delia Perkasa, Ripho Delzy Pohan, Dyo Fatarullah Prianda Pebri Purba, Herman Purwanto Purwanto Putra, Marcellino Eka Putri, Aisya Kamila Putri, Nur Agustin Rahayu Rahma, Lulu Zulya Rahman, M. Abdur Rahmat Hidayat Ramadan, Trisno Mas'ud Rara Fitra, Ramadani Ratih Kurniasari Ratna Winandi Resel, Keysa RINA PERMATASARI Rita Destini Roza, Desmawati Sabila, Syarafina Safputra, Abidzul Sahnan, M. Salasa Nilawati, Nurul Salma, Annisa Nabila Sani, Najmi Laila Saputra, M Oji Saverianus Harjoko Sawitri, Isma Sembiring, Dian Agnesa Septianingrum, Deanisa Shafa, Cut Firyal Sharina, Najwa Silwanah, Andi Sani Simbolon, Saripa Aini Sinaga, Gloria Filya Sipahutar, M Ali Srianto, Srianto Suciarni, Anis Arum Sundah, Pierre Mauritz Supriadi Siagian Susilawati, Puja Suyanto Suyanto Syabrina, Lulu Syahrani, Hanifah Syaifuddin Syaifuddin 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 Zuhairi, Muhammad Zuhra, Cut Mulia Zulqaiyyim, Zulqaiyyim