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  Islamic Bank’s Performance In The Light of Competition and CSR

  publication dateJul 8, 2019  publication descriptionIJIEF: International Journal of Islamic Economics and Finance

  publication descriptionThis study aims to examine the effect of competition and Corporate Social Responsibility (CSR) disclosure toward Islamic banks’ financial performance. It used Generalized Least Square with panel data of Islamic Banks in ASEAN and GCC from 2012-2016 obtained from Orbis Bank Focus. H-Statistic (Panzar-Rosse) test was employed to measure the degree of competition and the relationship between variables. This study found that competition contributes a negative effect toward performance of Islamic banks, while CSR contributes a positive effect toward performance of Islamic banks. The result of this study suggests the management of Islamic banks to be more aware of the importance of management of CSR programs for the acceleration of SDGs set by UN as well as survival of companies in the future. Additionally, this study would like to support to push ahead government plan to strengthen domestic Islamic bank through consolidation or a merger of state-owned Islamic banks in order to lower the degree of competition which ultimately leads to a better performance of Islamic banks as well as an enhanced financial deepening in Indonesia.

• MENINGKATKAN SEMANGAT INTEGRITAS SOSIAL DAN EKONOMI KREATIF DI KAMPUNG RANCA BUNTUNG

  publication dateOct 1, 2018  publication descriptionSYUKUR : Jurnal Inovasi Sosial & Pengabdian Kepada Masyarakat

  publication descriptionPoverty is one of the serious problems faced by many countries. Therefore, various
  poverty approaches were developed to reduce poverty. Poverty is often analogous to
  living conditions in the countryside. Social entrepreneurship is considered as a solution
  in an effort to accelerate the decline in unemployment and poverty. This community
  service program provides direction and guidance for the importance of creative effort and
  education for the community in Kampung Ranca Buntung, Cikopomayak Village, Bogor.
  This activity is also equipped with social action in the form of providing mini library
  facilities for the community, especially children.

• Analisis perbandingan kinerja saham syariah antara DJIMI, FSTE GIIS, KLSESI, dan JII

  publication dateJan 1, 2017  publication descriptionJEKI : Jurnal Ekonomi & Keuangan Islam, Vol. 3 No. 1, Januari 2017: 10-18

  publication descriptionThis research investigates whether the difference of Sharia stock screening mechanism in
  some countries will influence the index and stock performance. Some countries have a tight
  screening policy and the other countries have a loose screening policy. This research
  investigates 4 Sharia indices DJIMI, FTSE GIIS, KLSESI, and JII since October 2012 until
  September 2014. This research shows that the performance of the Sharia stock index is not
  affected by how tight the screening process of that index. Although KLSESI index has the
  tightest stock screening policy, but the performance is not different with the Sharia stock
  which has loosest stock screening policy which is DJMI index. When we compare the return
  of each index, the performance of the 4 indices shows insignificant different. The
  performance of JII stock which has the looser stock screening policy is also not different
  with the KLSESI stock performance which has the tighter stock screening policy.

• Financial Determinants of Qardhul Hasan Financing Growth: Evidence from Islamic Banks in Indonesia

  publication date2015  publication descriptionGlobal Review of Islamic Economics and Business, Vol. 3, No.1 (2015) 038-045

  publication descriptionThe purpose of this paper is to investigate the financial factors that determine the growth of qardhul hasan financing in the sharia banks in Indonesia. We employ financial ratios such as Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Net Interest Margin (NIM), Operational Cost to Operational Income (BOPO), Return on Asset (ROA) and Return on Equity (ROE) to explain the growth of qardhul hasan during 2011 to 2014. This paper utilizes the fixed effect model and the random effect model to provide empirical evidences. The empirical result demonstrates that Non-Performing Financing (NPF), Net Interest Margin (NIM), Return on Asset (ROA) and BOPO have significance relationship to the qardhul hasan financing. The finding shows that the growth of qardhul hasan financing in sharia banks is influenced by financial ratios of NIM, NPF, BOPO and ROA. This finding adds important evidence to the existing research on qardhul hasan financing in sharia banks.

• Do Risk, Business Cycle, And Competition Affect Capital Buffer? An Empirical Study On Islamic Banking In ASEAN and MENA

  publication descriptionJournal of Islamic Monetary Economics and Finance, Vol. 3, No.2 (2018), pp. 181 – 200

  publication descriptionBasel III guidelines were released in 2010 by the Basel Committee on Banking Supervision (BCBS) as a revision of the previous Basel guidelines with the aim of strengthening the bank’s capital and liquidity of banks. BCBS formulate a new policy that is the capital buffer. Capital Buffer is the difference between the minimum capital required by regulators with its overall capital and is considered a “cushion” against the shocks of the financial crisis. This study examine the impact of risk, business cycle, and competition on banks’ capital buffer. This paper used the sample of Islamic banks and conventional banks in ASEAN and MENA in the period 2011-2015 with unbalanced panel data. Using System GMM method to test the characteristics of Islamic banks in managing its capital. The finding indicates that the degree of capital buffer in islamic banks tend to adjust its risk. The result also shows that capital buffer decrease during economic expansion where banks act aggressively by extending their lending activities. The relationship between capital buffer and competition is positive in that the high level of competition to motivate banks to have higher capital.

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