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All Journal Jurnal At-Tabayyun Jurnal Al Wadiah
Sunardi Selamat
Sekolah Tinggi Agama Islam Panca Budi Perdagangan
Religion Economics, Econometrics & Finance Education Other

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STRATEGI PEMASARAN JASA PADA PT BANK “X” CABANG PALEMBANG DI BIDANG PENGUMPULAN DANA Sunardi Selamat
Jurnal At-Tabayyun Vol. 1 No. 2 (2018): Volume 1 Nomor 2 Tahun 2018
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jat.v1i2.7

Abstract

The competition that occurred in the Indonesian banking industry became more stringent since the government issued the packages of deregulation banking sector in October 1988 (Pakto 1988). Financial policies become better known to the public, which among others provide convenience to private banks and permit to foreign banks to conduct joint ventures with local banks in the opening of banks both in terms of capital and from licensing. With the wisdom of the Pakto, the number of banks in Indonesia became drastically increased from 124 in 1988 to 240 in 1996, while the number of bank branches grew dramatically from 1,900 to over 6,000 ( Bank Indonesia, 1996). The above marketing strategy consists of three fundamental steps, first identifying and forming a separate group of buyers who need the product or the marketing mix itself (segmenting), the second is the action to select one or More market segments to serve (targeting) and the third step is the act of building and communicating the essential benefits of the products offered to instill a positive impression on the customer's mind (positioning).
Dampak Kepatuhan Syariah terhadap Kinerja Keuangan Bank Syariah: Studi Kasus pada Struktur Pengawasan dan Manajemen Risiko Sunardi Selamat
Jurnal Al Wadiah Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Juni 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i1.97

Abstract

Shariah compliance is important for Islamic banks because it is one of the factors that determines their financial performance. This study aims to analyze the impact of shariah compliance on the financial performance of Islamic banks, with a case study on the supervisory structure and risk management. This study uses a case study method with three Islamic banks in Indonesia as the object of study. The data used in this study is secondary data obtained from the annual reports of these Islamic banks. The results of the study show that shariah compliance has a positive impact on the financial performance of Islamic banks. This impact can be seen from several aspects, including: Profitability: Islamic banks with high shariah compliance have better profitability than those with low shariah compliance, Liquidity: Islamic banks with high shariah compliance have better liquidity than those with low shariah compliance, Risk: Islamic banks with high shariah compliance have lower risk than those with low shariah compliance. Shariah compliance also has a positive impact on the supervisory structure and risk management of Islamic banks. This impact can be seen from several things, including: Supervisory structure: Shariah compliance can enhance the role of the Shari'ah Supervisory Board (SSB) in overseeing the business activities of Islamic banks, Risk management: Shariah compliance can enhance the role of the risk unit in managing risks related to shariah compliance. Based on the results of this study, it can be concluded that shariah compliance is an important factor that determines the financial performance of Islamic banks. Strong supervisory and risk management structures can help Islamic banks to improve shariah compliance and, ultimately, improve their financial performance.
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