Performance of Depositor Fund: A Lesson from Indonesian Islamic Banking System

Sayakhmad Olimov, Abdul Hamid, Muhammad Arief Mufraini

Abstract


The objective of study is to analyze the performance of Depositor Fund in the operation of Islamic bank as an alternative banking sector in financial market based on the profit and loss mode of financing in the case of Indonesia. The research methodology is quantitative analysis based on the Multiple Regression. In the study secondary data is used and were collected from Annual Report of Islamic Banks. The sample of study is the bank, which is selected from 36 samples of Islamic Commercial Banks relates to non-probability purposive sampling method as a statistical research techniques. The result of study showed that the performance of Depositor Fund in the operation of Islamic banks has negative proficiency and otherwise the Islamic banks have weaknesses capability to improve the high ratio of increasing productivity Depositor Fund based on the financial ratio factors, which are analyzed.

DOI: 10.15408/etk.v16i1.4871


Keywords


Islamic bank; performance; financial ratio; depositor fund; CAMEL's model

Full Text:

PDF

References


Adnan, M.A. (2003). Development of Islamic Economy Movement in Indonesia: A Review. Proceding Paper. Presented in the 60th Anniversary Islamic University of Indonesia.

Abduh, M. & R. Sukmana. (2011). Depositor Behavior in Indonesia Islamic Banking: Does Crisis and Fatwa Matters? Forum Riset Perbankan Syariah. Bank Indonesia & Ikatan Ahli Ekonomi Islam Indonesia.

Al Arif, M.N.R. (2010). Efektivitas Biaya Promosi dan Biaya Diklat Terhadap Penghimpunan Dana Pihak Ketiga di Bank Syariah (Effectiveness of Promotion Cost and Training-Research Cost on Third Party Funds in Islamic Banks). Jurnal Ilmiah Ekonomi Bisnis. Vol. 15 (3): 175-182.

Al Arif, M.N.R. (2014). Spin-off and It’s Impact on The Third Party Funds of Indonesian Islamic Banking Industry. Economic Journal of Emerging Markets. Vol. 6 (1): 50-55.

Al Arif, M.N.R. (2015). Keterkaitan Kebijakan Pemisahan Terhadap Tingkat Efisiensi Pada Industri Perbankan Syariah di Indonesia (The Relationship Between Spin-off Policy and Efficiency in The Indonesian Islamic Banking Industry). Jurnal Keuangan dan Perbankan. Vol. 19 (2): 295-304.

Amelia, E. (2015). Financial Ratio and Its Influence to Profitability in Islamic Banks. Al-Iqtishad: Journal of Islamic Economics. Vol. 7 (2): 229-240.

Babar, H.Z. & G. Zeb. (2011). Camels Rating System for Banking Industry in Pakistan. (Unpublished Master Thesis). Pakistan: Umea School of Business.

Chapra, M.U. (1985). Towards a Just Monetary System. London: Islamic Foundation.

Chapra, U.M. & T. Khan. (2000). Regulation and Supervision of Islamic Banks. Jeddah: Islamic Research and Training Institute, IDB.

Choudhury, M.A. (2007). Development of Islamic economic and social thought. In Hassan, M.K & M.K. Lewis (ed). Handbook of Islamic Banking. Cheltenham: Edward Elgar.

El-Hawary, D., W. Grais & Z. Iqbal. (2004). Regulating Islamic Financial Institutions: The Nature of the Regulated. Working Paper. World Bank.

Hasbi, H. & T. Haruman. (2011). Banking: According to Islamic Sharia Concepts and Its Performance in Indonesia. International Review of Business Research Paper. Vol. 7, No.1 : 60-76.

Ismal, Rifki. (2009). Performance of the Islamic Banking Industry. The original this paper was published in the Journal of Islamic Banking and Finance, Vol. 26 (2): 71-80.

Ismal, R. (2011). Islamic Banking in Indonesia: Lessons to be Learned. United Nations of Conferences on Trade and Development, April 6th-8th, 2011.

Muljawan, D. (2005). A Design for Islamic Banking Rating System: An Integrated Approach. Working Paper. Bank of Indonesia.

Rahajeng, D. (2013). The role of Islamic Banking System as The Milestone Towards Indonesia Micro Economy Development: a Financial Report Approach. Munich Personal RePEc Archive. https://mpra.ub.uni-muenchen.de/50465/1/MPRA_ paper_50465.pdf. Accesed at January 2, 2017

Rusydiana, A.S. (2016). Analisis Masalah Pengembangan Perbankan Syariah di Indonesia: Aplikasi Metode Analytic Network Process (The Development Problems Analysis of Islamic Banking in Indonesia: Application of Analytic Network Process Method). Esensi: Jurnal Bisnis dan Manajemen. Vol. 6 (2): 237-246.

Sari, I.M., H. Wibowo, & E. Suprapto. (2015). Factors That Influenced People to Become Islamic Bank Customer: A Study on Kancana Villagers. Al-Iqtishad: Journal of Islamic Economics. Vol. 7 (1): 73-86.

Sari, M.D., Z. Bahari, Z. Hamat. (2016). History of Islamic Banking in Indonesia: Issues Behind Its Establishment. International Journal of Finance and Banking Research. Vol. 2 (5): 178-184.

Sarker, A.A. (2010). CAMELS Rating System in the Context of Islamic Banking: A Proposed ‘S’ for Shariah Framework. Journal of Islamic Economics, Banking, and Finance. Vol. 2 (2): 101-110.

Usman, H. (2015). The Role of Religious Norms on Selecting The Islamic Bank. Al-Iqtishad: Journal of Islamic Economics. Vol. 7 (1): 31-44.




DOI: https://doi.org/10.15408/etk.v16i1.4871

Refbacks

  • There are currently no refbacks.




Hasil gambar untuk doaj

/public/site/images/rianto-arif/logogaruda-kecil_94 ISJD LIPI Academic Keyoa-library CrossRefMoraRefBASE-Search OAJI Open Archives Initiative

Hasil gambar untuk neliti.com

View My Stats

 

E-ISSN: 2461-0771 P-ISSN: 1412-8969 Free counters!

License

This work is licensed under CC BY-SA

© All rights reserved 2015.