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Islamic Retirement Planning Among Indonesian Bankers Syamlan, Yaser Taufik; Easti, Reti Rahma
EQUILIBRIUM Vol 8, No 1 (2020): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v8i1.6565

This study aims to analyze differences in demographic factors towards retirement planning behavior according to Islamic perspective. This research wants to analyze the influence of clarity of purpose, retirement attitude and potential conflict towards retirement planning behavior according to among the Muslim who is working in a conventional bank and the Islamic Bank. The sample used in this study as many as 270 respondents of both conventional & Islamic Banker in Indonesia.Â Â There are two methods that are used in this research which are ANOVA and Multiple Linear Regression. The results identified several demographic variables that were significant such employment status (either working in the conventional bank or Islamic Bank) and income level. Furthermore, some demographic variables do not significant including age, number of dependents and level of education. This research also shows that non-demographic variables such as clarity of purpose, retirement attitudes and potential conflicts affect significantly to influence the behavior of bankers in retirement planning according to Islamic perspective.Â In conclusion, the conventional Muslim bankers know that they should manage their retirement according to the Shariah value. However, some of them didnâ€™t believe that the Shariah investment instrument can fulfill their desired retirement goals.

Why do Indonesian Islamic Banks Take the Risk?: The Case of Two Major Islamic Banks Syamlan, Yaser Taufik; Azinuddin, Ar Rizal
International Journal of Islamic Economics and Finance (IJIEF) Vol 1, No 2 (2019): IJIEF Vol 1 (2), January 2019
Publisher : Universitas Muhammadiyah Yogyakarta

This study aims to analyze the effect of bank size, deposit guarantee system, number of competitors, leverage, and bank age on the risk-takingbehavior of Islamic banks in Indonesia at the period of 2001-2016. Risk taking is projected to Financing to Asset Ratio (FAR). The deposit guarantee system is proxiedby deposit guarantee using a dummy variable. The number of competitors is proxiedby the market value of Islamic Banking. Leverage is proxiedbythe total of third party funds. Bank Age is proxiedby bank age according to the 2001-2016 period of study. This study uses secondary data from published financial reports and uses panel data regression methods. The samples are two pioneers of Islamic Bank in Indonesia, namely Bank Muamalat Indonesia and Bank SyariahMandiri. The results of this study show that Bank Size has a positive effect on risk taking. As a result also applies to the number of competitors and Bank Age. Only Deposit Insurance variable that has a positive but not significant influence and Leverage variable has the significant negative effect. In conclusions, the Islamicbank takes the risk due to the tight competition, the age of bank, the amount of third party fund collected and the asset of the bank.

Term - Deposit Waqf Linked Isthisna (TDWLI): Proposed Models, Accounting Aspects, and Risk Management Analysis Syamlan, Yaser Taufik; Sakinah, Sakinah; Mursalmina, Mursalmina; Asfiah, Asfa
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.4410

Abstract:Â Islamic banking (further referred to as the Bank) faces two significant problems: excessive concentration in Murabaha financing contracts and high cost of funds. These two classic problems directly impact the development of the Bank and give rise to the stigma of a less innovative and unprofitable industry. This research aims to make a new product breakthrough that can help stakeholders overcome the two problems above. Term Deposit Waqf Linked Isthisna (TDWLI) has 4 variants: TDWLI Perpetual Principal, TDWLI Perpetual Principal + Profit Sharing, TDWLI Periodic Principal, TDWLI Periodic Principal, and + Profit Sharing. The TDWLI Periodic Principal is the variant that is most ready to be applied because, in accounting terms, it has been regulated in PSAK 112. In general, this TDWLI product will provide several advantages for banks to reduce the cost of funds (especially in the main variant of Waqf only). It will increase Isthisna financing, referring to OJK data in 2019, only 0.3% of total financing. In terms of accounting treatment, PSAK 112 must be adjusted especially if the Bank will release a Perpetual-based product variant. The main problem with perpetual-based products is the uncommon features. In perpetual, cash waqf cannot be withdrawn or, in other words, eternal. This research recommends that OJK is expected to study this product more deeply to develop healthy and innovative Islamic banking.Abstrak:Â Perbankan syariah (selanjutnya disebut Bank) saat ini sedang menghadapi 2 masalah besar yaitu konsentrasi berlebihan di akad pembiayaan Murabaha serta tingginya Cost of Fund. Kedua masalah klasik ini berdampak langsung kepada perkembangan Bank dan memunculkan stigma industry yang kurang inovatif dan tidak menguntungkan. Penelitian ini bertujuan untuk membuat terobosan produk baru yang dapat membantu stakeholders dalam mengatasi kedua masalah diatas. Produk Deposito Waqf Linked Isthisna (DWLI) dengan 4 varian nya baik itu DWLI Perpetual Pokok, DWLI Perpetual Pokok + Bagi Hasil, DWLI Periodic Pokok dan DWLI Periodic Pokok + Bagi Hasil. DWLI Periodic Pokok menjadi varian yang paling siap untuk diaplikasikan karena secara akuntansi sudah diatur dalam PSAK 112. Secara umum produk DWLI ini akan memberikan beberapa keuntungan bagi bank dalam rangka menurunkan cost of fund (terutama pada varian Wakaf pokok saja) serta akan menaikkan pembiayaan Isthisna yang merujuk kepada data OJK tahun 2019 hanya 0,3% dari total pembiayaan. Secara perlakuan akuntansi, PSAK 112 harus disesuaikan terutama apabila Bank akan merelaisasikan varian produk berbasis Perpetual. Permasalahan utama dari produk berbasis perpetual adalah ketidak umuman fitur dimana dalam perpetual, Wakaf uang tidak dapat ditarik atau dengan kata lain abadi. Rekomendasi dari penelitian ini adalah OJK diharapkan dapat mengkaji produk ini lebih dalam demi perkembangan perbank syariah yang sehat dan inovatif.Islamic banking (further referred to as the Bank) faces two significant problems: excessive concentration in Murabaha financing contracts and high cost of funds. These two classic problems directly impact the development of the Bank and give rise to the stigma of a less innovative and unprofitable industry. This research aims to make a new product breakthrough that can help stakeholders overcome the two problems above. Term Deposit Waqf Linked Isthisna (TDWLI) has 4 variants: TDWLI Perpetual Principal, TDWLI Perpetual Principal + Profit Sharing, TDWLI Periodic Principal, TDWLI Periodic Principal, and + Profit Sharing. The TDWLI Periodic Principal is the variant that is most ready to be applied because, in accounting terms, it has been regulated in PSAK 112. In general, this TDWLI product will provide several advantages for banks to reduce the cost of funds (especially in the main variant of Waqf only). It will increase Isthisna financing, referring to OJK data in 2019, only 0.3% of total financing. In terms of accounting treatment, PSAK 112 must be adjusted especially if the Bank will release a Perpetual-based product variant. The main problem with perpetual-based products is the uncommon features. In perpetual, cash waqf cannot be withdrawn or, in other words, eternal. This research recommends that OJK is expected to study this product more deeply to develop healthy and innovative Islamic banking

DOES FRACTIONAL RESERVE BANKING SYSTEM EXIST IN INDONESIAN ISLAMIC BANKING? Syamlan, Yaser Taufik; Istiana, Nur
Journal of Islamic Monetary Economics and Finance Vol 4 No 2 (2018)
Publisher : Bank Indonesia

Fractional Reserve Banking is the banking and financial system that have been applied in most countries around the world. This research aims to look at the impact empirically and at the contributions given from the components of fractional reserve banking against inflation that occurs in Sharia Commercial Banks and Sharia Business Unit. The fractional reserve banking components covered in these studies are statutory reserve requirement, total deposit, total financing, Mismatch Ratio, and Total non-performing financing. This research is using VAR VECM and ECM as analysis tools and also collecting secondary data from OJK that spanned from June 2014 to September 2018. The results of this research have found that Indonesian Islamic bank is doing the fractional reserve banking system (FRBS). Furthermore, the largest contributor of FRBS in Sharia Commercial Bank (BUS) is the Statutory Reserve Requirment while in sharia Business Unit the results showed that Third Party Fund and Mismatch ratio gives the greatest contributions against inflation. Interestingly, the UUS has greater contribution and shock to the inflation if we compare to the BUS. To prevent the effect of it in the future, controlling mismatch and introducing the irrevocable investment account might be the solutions.

Determinants of Investment Decision Through Sharia Financial Technology Novianti, Fitria; Syamlan, Yaser Taufik
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 3 No. 1 (2024): Milkiyah: Jurnal Hukum Ekonomi Syariah, February 2024
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v3i1.662

The level of investment through Islamic Peer-to-Peer (P2P) Lending ascends. This study aims to determine the direct effect of perceived behavioural control, perceived benefit, perceived easiness, and perceived risk on investment decision through sharia peer-to-peer lending. The further purpose is to find out the indirect effect of perceived behavioural control, attitude toward investment, and subjective norm on investment decision through sharia peer-to-peer lending intervened by investment intention. Through primary data distributed using online questionnaire to residents who live in Indonesia and investing through Sharia Financial technology peer-to-peer lending platform, final sample was 135 respondents. The data analysis technique used is Structural Equation Modelling Partial Least Square (SEM-PLS). The result of this study finds that there is a significant effect on the perceived behavioural control, perceived easiness, and perceived risk on investment decision through sharia peer-to-peer lending while the insignificant effect of sharia compliance and perceived benefit on investment decision through sharia peer-to-peer lending has been found. Subsequently, perceived behavioural control, attitude toward investment, and subjective norm have no effect at all on investment decision through sharia peer-to-peer lending intervened by investment intention.

DOES FRACTIONAL RESERVE BANKING SYSTEM EXIST IN INDONESIAN ISLAMIC BANKING? Syamlan, Yaser Taufik; Istiana, Nur
Journal of Islamic Monetary Economics and Finance Vol. 4 No. 2 (2018)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v4i2.1009

Fractional Reserve Banking is the banking and financial system that have been applied in most countries around the world. This research aims to look at the impact empirically and at the contributions given from the components of fractional reserve banking against inflation that occurs in Sharia Commercial Banks and Sharia Business Unit. The fractional reserve banking components covered in these studies are statutory reserve requirement, total deposit, total financing, Mismatch Ratio, and Total non-performing financing. This research is using VAR VECM and ECM as analysis tools and also collecting secondary data from OJK that spanned from June 2014 to September 2018. The results of this research have found that Indonesian Islamic bank is doing the fractional reserve banking system (FRBS). Furthermore, the largest contributor of FRBS in Sharia Commercial Bank (BUS) is the Statutory Reserve Requirment while in sharia Business Unit the results showed that Third Party Fund and Mismatch ratio gives the greatest contributions against inflation. Interestingly, the UUS has greater contribution and shock to the inflation if we compare to the BUS. To prevent the effect of it in the future, controlling mismatch and introducing the irrevocable investment account might be the solutions.

Do Parents And Social Environment Influence Stundent Understanding Of Retirement Planning? A Study On Islamic Economic And Bussines Student In Bogor Fajar, Riski; Syamlan, Yaser Taufik
IKONOMIKA Vol 3, No 1 (2018)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v3i1.2531

ABSTRACTFinancial planning for retirement is a desire to achieve satisfaction with life in retirement. Good financial condition is a main component to having a quality life during retirement. The study aimed to find the factors influences on understanding of financial planning for retirement. Methodology that used in this study is a quantitative approach. The sample in this study as many as 350 respondents from students Islamic of economics in Bogor. Technique analysis that used in this study is Path analysis. The result in this study The results of this study indicate that in sub-structural I the variables parental influence on saving, social influence, and goal clarity have a significant influence to financial knowledge. Sub-structural II the variabel future time perspective have a significant influence to goal clarity and all variables of sub-structural III (parental influence on saving and conscientiousness) have significant infulence to future time perspective. According the result test on the sub-structural IV the variable financial knowledge have a significant influence to expectations of financial planning for retirement. On the sub-structural V there is a not significant variable, the variable is parental influence on saving to satisfaction life in retirement. Consequently, the author do a trimming on the sub-structural V to fix a structure of path model. Keywords: Financial Planning, Retirement, Retirement Planning

Integration of Tridharma in the Islamic Digital Finance Course “Navigating the Future of Islamic Finance: Islamic Fintech Innovations and Opportunities” Antonio, Muhammad Syafii; Syamlan, Yaser Taufik
Tamkin Jurnal Pemberdayaan Tazkia Vol. 3 No. 2 (2025): TAMKIN: Jurnal Pengabdian Masyarakat
Publisher : Tazkia Islamic University College

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tamkin.v3i2.490

In this modern era marked by rapid advancements in knowledge and technology, changes are occurring across various domains of life. One response to these changes is community engagement, which aims to integrate innovations and new knowledge into everyday life. In this context, the organized community engagement has three primary objectives that are highly significant. Firstly, community engagement aims to integrate Islamic digital finance courses with community empowerment. This entails not only providing training or courses on Islamic digital finance but also imparting understanding and skills to the community in applying these concepts in their daily lives. Consequently, communities can benefit from technological advancements in the context of Islamic finance, thereby enhancing financial inclusion and economic empowerment. Secondly, community engagement aims to enhance Tazkia's image as a pioneer in Islamic digital business and finance. Through these activities, Tazkia can demonstrate its commitment to innovation and development in the field of Islamic finance. This not only helps improve the institution's reputation but also strengthens its position as a leading center in Islamic finance education and research. Thirdly, community engagement aims to market TAZKIA to the targeted market segments. By organizing relevant and informative seminars and talk shows, Tazkia can reach a wider audience and introduce its services to them. This is a crucial step in expanding the institution's reach and increasing community participation in the programs offered. In addition to these three primary objectives, community engagement also has further impacts. For instance, through outputs such as articles written by Tazkia students, this engagement can strengthen student involvement in academic activities and provide a platform for them to share their knowledge and experiences. Furthermore, by providing theoretical and practical knowledge to participants, community engagement is expected to make a tangible contribution to the development of the Islamic digital finance sector and community empowerment on a broader scale.

Pengaruh Jumlah Peserta Dana Pensiun Syariah terhadap Imbal Hasil dengan Peran Mediasi Strategi Kinerja Keuangan dan Pertumbuhan Investasi Ihksan, Abdullah Khairul; Syamlan, Yaser Taufik
Ekonomis: Journal of Economics and Business Vol 9, No 2 (2025): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i2.1934

This study aims to analyze the effect of the number of participants in Islamic pension funds on returns, with the mediation of financial performance strategies and investment growth. The study population includes all Islamic pension funds registered with the Islamic Non-Bank Financial Industry (IKNB) of the Financial Services Authority (OJK) during the 2018-2023 period. The analysis technique used is SEM-PLS. The results show that the number of participants in Islamic pension funds influences returns through the mediation of financial performance and investment growth.

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