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All Journal Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman At-Tawassuth: Jurnal Ekonomi Islam Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Journal of Sharia Business Management International Journal of Islamic Business Management
Marlis Tanjung, Ami Nullah
Universitas Muslim Nusantara Al-Wasliyah
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Risk Management in Islamic Banking: A Comparative Study of Islamic vs Conventional Banking Systems Tantri Octora Dwi Syah Putri; Ami Nullah Marlis tanjung; Zahrina Razali
INTERNATIONAL, Journal of Sharia Business Management Vol 3 No 1 (2024): March
Publisher : CV. Barokah Publsiher

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Abstract

This article aims to determine the differences in risk management between Islamic banking and conventional banking and the importance of risk management in the company. The article was created using a qualitative method by obtaining sources from literature studies in the form of books, journals, websites, and other supporting sources related to the article. In risk management, both banks have differences, namely in the risks applied, in conventional banking, namely Credit Risk, Market Risk, Liquidity Risk, Operational Risk, Legal Risk, Strategic Risk, Compliance Risk, Reputation Risk which are different in Islamic banking risk management, there are additional Return Risk and Investment Risk (equity investment risk). In the practice of Islamic banking risk management based on sharia principles by ensuring that all transactions and operations are in accordance with sharia such as the prohibition of usury, gharar, and maysir and using contracts in every transaction. While in conventional banking, the focus is on maintaining the bank's financial health by minimizing losses due to bad debts and interest rate fluctuations.
THE EFFECT OF TOTAL ASSETS AND THIRD PARTY FUNDS ON FINANCING AT ISLAMIC BANK KB BANK 2020 TO 2023 Ami Nullah Marlis Tanjung; M. Guffar Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 3 No 2 (2024): June
Publisher : CV. Barokah Publsiher

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Abstract

The rapid growth of Islamic banking today, accompanied by an increase in the number of Islamic banking customers, is an interesting phenomenon in the midst of a dual banking system. This study aims to determine and analyse the effect of Total Assets and Third Party Funds on Financing at KB Islamic Banks from 2020 in the first quarter to 2023 in the fourth quarter. The data used is the financial report of KB Bank Syariah which has been published on the website www.kbbanksyariah.co.id. The method of analysis in this study is an associative method, with classical testing, and statistical analysis, namely multiple linear regression analysis. The variables of this study are Total Assets as variable X 1 and Third Party Funds as variable X 2 and Financing as Y. The results of the analysis using the statistical t test with a significant (α) = 0.05 using the sig value from the SPSS output obtained the significance value of each independent variable Total Assets (0.00) and Third Party Funds (0.655). The Total Asset variable alone has a partial influence on financing, while the Third Party Fund variable is far above the significance of 0.05 and this identifies that there is no partial influence on financing. The results of the analysis with the F test with a significance (α) = 0.05 obtained a significance of 0.000. This value is not greater than the significance value of 0.05 and this indicates that there is a significant relationship between Total Assets and Third Party Funds on financing simultaneously
Co-Authors M. Guffar Harahap Tantri Octora Dwi Syah Putri Zahrina Razali