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All Journal Indonesian Journal of Banking and Financial Technology (FINTECH) Journal of Management, Economic, and Financial
Jawad Z. Salic
Mindanao State University, Marawi
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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A Study to Explore the Perception and Awareness on Islamic Banking Among College Students in the Province of Lanao Del Sur, Philippines Jawad Z. Salic; Anwar Radiamoda; Shahid Manalundong; Abdulcader Ayo
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 3 (2023): July 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i3.5391

Abstract

This exploration was conducted to examine the level of awareness and perception of individuals who are candidates for graduation for a bachelor's degree from the province of Lanao del Sur. A survey was conducted through a guided questionnaire to collect the insight of selected respondents to weigh their awareness and perception. This study aimed to assess the respondents' knowledge level of Islamic Banking after the creation of the Bangsamoro Autonomous Region in Muslim Mindanao (BARMM). The study result showed that the respondents need integration on their journey of being a college students on Islamic Banking. The need for academic study among the respondents is highly recommended to the point that they are the successor of the present leader of BARMM. The study suggests a conception of an intervention program that will be conducted by other nations which are well-experienced in Islamic Banking.
Investigation of Surplus (Deficit) Underwriting of Tabarru' Fund on BNI Life Insurance Unit Syariah Baso Akib; Muh. Takbir Gawy Al Buny MYS; Jawad Z. Salic
Journal of Management, Economic, and Financial Vol. 2 No. 4 (2024): Journal of Management, Economic and Financial
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jmef.v2i4.44

Abstract

This study examines the factors influencing the underwriting surplus (deficit) of tabarru' funds in BNI Life Insurance's sharia unit between June and July 2023. Utilizing a quantitative and descriptive methodology, the research relies on secondary data sourced from BNI Life Insurance's sharia unit financial reports spanning from 2015 to 2022. The sampling technique employed is a saturated sample, encompassing 32 time-series data points extracted from quarterly financial reports. Data collection methods include observation and documentation, with analysis conducted using multiple linear regression analysis through IBM SPSS version 20. The findings indicate that participant contributions have a positive and significant influence on the underwriting surplus (deficit) of tabarru' funds, whereas investment income and claims have a negative and significant impact. Collectively, participant contributions, investment income, and claims significantly affect the underwriting surplus (deficit). The results suggest that enhancing management practices and ensuring the stability of participant contributions, investment income, and claims could improve the underwriting surplus of BNI Life Insurance's sharia unit. The research implies that better company management, coupled with the provision of sharia-compliant products, can increase customer loyalty and public interest, thereby boosting the company's assets.
Co-Authors Abdulcader Ayo Anwar Radiamoda Baso Akib Muh. Takbir Gawy Al Buny MYS Shahid Manalundong