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FALAH : Jurnal Ekonomi Syariah
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This is an Open Access Journal

Open Access journal
ISSN (Print) 2502-3918 - ISSN (Online) 2502-7824
Published by Universitas Muhammadiyah Malang

[23 journals]

Board Characteristics and Intellectual Capital in Islamic Banks: Evidence
from Indonesia, Malaysia and Bangladesh
- Authors: Ayunda Rizqi Oktaviana, Doddy Setiawan
  Pages: 1 - 12
  Abstract: This study aims to determine the effect of intellectual capital and board characteristics on Islamic banks in Indonesia, Malaysia, and Bangladesh. This study was quantitative were data collected from the annual report of Islamic banks in 2014 to 2019 in Indonesia, Malaysia, and Bangladesh. The data were analyzed using multiple linear regression. The result found that educational diversity and gender diversity have a significant effect on intellectual capital at Islamic banks in Indonesia, Malaysia, and Bangladesh, while the board size and the board meeting does not affect. The result may have a new perspective on the relationship between the characteristics of directors and intellectual capital in Asia, especially Indonesia, Malaysia, and Bangladesh. The application of intellectual capital can increase decision-making accuracy and problem-solving so that managerial functions can improve company performance by increasing the number of directors and gender diversity.
  PubDate: 2022-03-01
  DOI: 10.22219/jes.v7i1.19900
  Issue No: Vol. 7, No. 1 (2022)
How Does Profitability, Size, and Capital Affect Credit Risk':
Evidence from Islamic Banks in Asian Countries
- Authors: Idah Zuhroh
  Pages: 13 - 23
  Abstract: The study aims to analyze the effect of profitability, size, and capital on the credit risk of Islamic banks in Asian countries through the mediating variable of financing by path regression analysis. Data were obtained quarterly from 2015Q1 – 2020Q3. Method of the study usedcausal research design, namely research that has the main objective of proving a a relationship affecting and being influenced by the variables studied. The findings conclude that size and profitability significantly affect credit risk through the financing mediation variable. Capital does not significantly reduce credit risk because it only functions to mediate financing. Meanwhile, increased financing will also increase the credit risk of Islamic banks in the Asian Region. The study can explain why there is an inconsistency of the effect profitability, size, capital, on credit risk because there is a financing mediation role. The implication of policy that the Islamic bankers in Asian countries must more prudent to manage financing so that credit risk is controlled.
  PubDate: 2022-03-01
  DOI: 10.22219/jes.v7i1.19469
  Issue No: Vol. 7, No. 1 (2022)
Productivity Determinants of Islamic Banks in Indonesia: Two-Stage
Malmquist Productivity Index
- Authors: Mutiara Ramadhani Putri, Puji Sucia Sukmaningrum
  Pages: 24 - 34
  Abstract: Islamic Banks in Indonesia experienced a general increase in productivity during the observation period influenced by factors of technological change. This study aims to measure Islamic Banks' productivity level and productivity determinants in Indonesia. This study was quantitatif using Malmquist Productivity Index to measure the level of productivity of Islamic banks. Meanwhile, panel data regression was used to analyze the determinants of productivity. The result foun that Return on Assets (ROA) and Financing to Deposit Ratio (FDR) has significantly affect productivity changes, whole Capital Adequacy Ratio (CAR) has a significant negative effect. The result provides a valuable contribution for consideration regarding managing existing resources to produce optimal output. Bank management can invest in technology and innovation in distributing banking products and services. Islamic bank management also needs to pay attention to the determinants which affect productivity growth.
  PubDate: 2022-02-27
  DOI: 10.22219/jes.v7i1.17365
  Issue No: Vol. 7, No. 1 (2022)
Critical Analysis on Business Innovation for Traders During Pandemic
Covid-19: An Islamic Economics Perspective
- Authors: Maman Surahman, Popon Srisusilawati, Redi Hadiyanto, Tri Ambarwati, Reyhan Maharis Fadilah
  Pages: 35 - 43
  Abstract: This study aims to analyze business innovation in Islam Economics to the sustainability of traders around UNISBA during pandemic Covid-19. This study was qualitative using descriptive analytical approach. Type of data collected was primary data obtained from interview. The data analysis technique used was descriptive model qualitative in shape data collection, data reduction, data display, and conclusion. The result found that traders can continue their business by using e-marketing and online marketplace which considered necessary to be implemented, especially in the Covid-19 pandemic situation. The contribution of this research to enhance the development of science and business practice in the implementation of e-marketing dan online marketplace.
  PubDate: 2022-02-28
  DOI: 10.22219/jes.v7i1.20036
  Issue No: Vol. 7, No. 1 (2022)
The Determinant of Product Advantage, Customer Experience and Trust on the
Reputation of Bank Syariah Indonesia Post-Merger at Surakarta City
- Authors: Agung Abdullah
  Pages: 44 - 53
  Abstract: This study aims to determine the impact of product advantage, customer experience and trust on the reputation of Bank Syariah Indonesia post-merger at Surakarta City. This research was quantitative with data analysis techniques using multiple linear regression. The sampling technique in this study was purposive sampling with certain criteria. The respondent in this study were 100 customers of Bank Syariah Indonesia at Surakarta City. The result found that product advantage has a positive and significant effect on company reputation, customer experience has a positive and significant effect on company reputation and trust has a positive and significant effect on Bank Syariah Indonesia reputation. This study provided a useful contribution to enrich the discourse on the impact of Islamic bank mergers, especially on the reputation of Islamic banks after the merger. This reputation will increase an optimistic sentiment for Bank Syariah Indonesia even in the negative growth of economic caused by the pandemic Covid-19.
  PubDate: 2022-02-28
  DOI: 10.22219/jes.v7i1.17012
  Issue No: Vol. 7, No. 1 (2022)