Development of Sharia Banking and Its Contributions for the Development of National Banking
Main Article Content
Abstract
The development and growth of shari'a banks after more than two decades in Indonesia is very spectacular, so that spurred the level of economic growth, but if it is related to the substance of the objectives of sharia bank establishment is the alleviation of poverty and unemployment, it will even increase. Based on data from research studies examining, the contribution of Islamic banking to the development of national law, namely by the existence of people who behave economically in sharia and business behavior of Muslim entrepreneurs are included in the targets of the Islamic economic movement in Indonesia. Even though it looks rather slow, the non-financial side of this economic activity is also growing.
Article Details
The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to International Journal of Nusantara Islam, Sunan Gunung Djati State Islamic University.
The copyright encompasses exclusive rights to reproduce and disseminate articles in all forms and media, including reprints, photographs, microfilm, and similar reproductions, as well as translations. Some or all of the contents of this journal can be stored in databases and transmitted in any form and media without the need for written permission from the International Journal of Nusantara Islam, Sunan Gunung Djati State Islamic University.
The Editors and the Advisory International Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the International Journal of Nusantara Islam (IJNI) are sole and exclusive responsibility of their respective authors and advertisers.
References
Anshori, A. G. (2008). Penerapan Prinsip Syariah Dalam Lembaga Keuangan, Lembaga Pembiayaan dan Perusahaan Pembiayaan. Pustaka Pelajar.
Antonio, S. (2004). Bisnis dan Perbankan Dalam Perspektif Islam. Ekonisia.
Arifin, Zainul. (2000). Memahami Bank Syariah; Lingkup, Peluang, Tantangan dan Prospek (III). Alvabet.
Arifin, Zainur. (2009). Dasar-dasar Manajemen Bank Syariah. Azkia.
Athoillah, M. Anton. (2017). Zakat untuk Kesejahteraan Bangsa. Media Syari’ah, 16(2), 453–538.
Athoillah, M Anton, & Al-Hakim, S. (2013). Reinterpreting the Ratio legis of the Prohibition of Usury. Middle-East Journal of Scientific Research, 14(10), 1390–1400. https://doi.org/10.5829/idosi.mejsr.2013.14.10.2187
Athoillah, Mohamad Anton. (2013). Zakat as an Instrument of Eradicating Poverty (Indonesian Case). International Journal of Nusantara Islam, 1(1), 73–85. https://doi.org/10.15575/ijni.v1i1.37
Bank Indonesia. (2004). Cetak Biru Pengembangan Perbankan Syariah Nasional. Bank Indonesia.
Bank Indonesia. (2017). Kebijakan Perbankan Syariah. Bank Indonesia.
Baydoun, N., Sulaiman, M., Willett, R. J., & Ibrahim, S. (2018). Principles of Islamic Accounting. John Wiley & Sons.
Bisar, C. (2009). Penyelesaian Sengketa Perbankan Syariah Di Pengadilan Agama dan Mahkamah Syari’ah. Kencana.
Burhanudin, M. (2018). The Application of the Hybrid Contracts Concept to Multipurpose Financing. Journal of Economicate Studies, 2(2), Article 2. https://doi.org/10.32506/joes.v2i2.471
Darsono, D., Astiyah, S., Darwis, A., Sakti, A., & Suryanti, E. T. (2018). Dynamics of Islamic Finance Products and Contracts in Indonesia (M. S. Antonio, S. R. Zaid, & F. Sabilar R., Eds.). Tazkia - Bank Indonesia.
Elsa, E., Utami, W., & Nugroho, L. (2018). A Comparison of Sharia Banks and Conventional Banks in Terms of Efficiency, Asset Quality and Stability in Indonesia for the Period 2008-2016. International Journal of Commerce and Finance, 4(1), 134–149.
Fauzin, A. (2018). Imposition of Sanctions (Ta’zir) and Punitive Damages (Ta’widh) to Customers in Musyarakah Mutanaqishah Contract. Journal of Economicate Studies, 2(1). https://doi.org/10.32506/joes.v2i1.465
Fikri, Y. T. A. (2018). Bargaining Mechanism in Islamic Economic System. International Journal of Nusantara Islam, 6(1), 104–114. https://doi.org/10.15575/ijni.v6i1.4399
Haniefah, F. R., & Faozan, A. (2018). The Optimization of the Role of Zakat in the Alleviating Poverty in Indonesia. Journal of Economicate Studies, 2(2), Article 2. https://doi.org/10.32506/joes.v2i2.470
Hefner, R. W. (2003). Islamizing Capitalism: On the Founding of Indonesia’s First Islamic bank. In A. Salim & A. Azra (Eds.), Shari’a and Politics in Modern Indonesia. Insitute of Southeast Asian Studies.
Himpunan Peraturan Perundang-undangan Republik Indonesia, Addenda Chogada. (n.d.). PT. Ikhtiar Baru Van Hoeve.
IMF Asia and Pacific. (2018). Indonesia: 2017 Article Iv Consultation-Press Release; Staff Report; and Statement by the Executive Director for Indonesia. International Monetary Fund. https://public.ebookcentral.proquest.com/choice/publicfullrecord.aspx?p=5301642
Iqbal, M. (1990). Financing Economic Development. Planduk Publication.
Ismal, R. (2013). Islamic Banking in Indonesia: New Perspectives on Monetary and Financial Issues. Wiley Singapore.
Kartadijaya, U. (2011). Menyoroti Fenomena Perbankan Syariah di Indonesia. PT.Insan Madani.
Kholid, M. (2018). Sharia Arbitration as an Alternative Settlement of Sharia Banking Disputes. International Journal of Nusantara Islam, 6(1), 73–92. https://doi.org/10.15575/ijni.v6i1.4043
Liswardi, L. (2018). The Application of Contract of Wakalah Bi Al-Ujrah on Letter of Credit Services in Sharia Bank. Journal of Economicate Studies, 2(1), Article 1. https://doi.org/10.32506/joes.v2i1.462
Lone, F. A., & Ahmad, S. (2017). Islamic Finance: More Expectations and Less Disappointment. Investment Management and Financial Innovations, 14(1), 134–141. https://doi.org/10.21511/imfi.14(1).2017.14
Maurer, B. (2008). Mutual Life, Limited: Islamic Banking, Alternative Currencies, Lateral Reason. Princeton University Press.
Mervyn, & Lativa. (2007). Perbankan Syariah: Prinsip, Praktik, dan Prospek. Serambi.
Muhammad. (2004). Analisis SWOT Bank Syariah. Ekonisia.
Mulyadi, D., & Athoillah, M. A. (2017). PRODUCT INNOVATION OF SHARIA FINANCIAL INSTITUTION: THEORY REVIEW. Journal of Economicate Studies, 1(1), 1–8. https://doi.org/10.32506/joes.v1i1.3
Mulyana, D. (2018). Market Structure and Competition Price in Islamic Economics. International Journal of Nusantara Islam, 6(2), 144–153. https://doi.org/10.15575/ijni.v6i2.4401
Mu’minah, M. (2018). The Implementation of Ijarah Muntahiya Bittamlik and Mudharabah Products in the Sharia Economic Law Perspective. Journal of Economicate Studies, 2(2), Article 2. https://doi.org/10.32506/joes.v2i2.472
Najakh, A. K., Astogini, D., & Martini, S. (2018). The Influence of Attitudes, Subjective, Norms, and Behavior Controls on Intention to Choose Islamic Banks with Islamic Religiosity as a Moderating Variable (case Study at Bri Syariah Purwokerto Customers). Journal of Economicate Studies, 2(1). https://doi.org/10.32506/joes.v2i1.464
Nurholis, A. (2019). The Basic Concept of Bayt Al-MÄl Wa Al-TamwÄ«l (bmt) in Developing Community Economy. Journal of Economicate Studies, 3(1), Article 1. https://doi.org/10.32506/joes.v1i1.500
Permana, Y. (2019). Market, Market Mechanism and Price Levels in Islamic Microeconomics Perspective. International Journal of Nusantara Islam, 7(2), 167–175. https://doi.org/10.15575/ijni.v7i2.5804
Pratama, A. P., Disemadi, H. S., & Prananingtyas, P. (2019). Existence and Position of Islamic Economic Laws in Indonesia. Legality : Jurnal Ilmiah Hukum, 27(2), 222–231. https://doi.org/10.22219/jihl.v27i2.10159
Pusat Pengkajian dan Pengembangan Ekonomi Islam (P3EI) UII dan BI. (2008). Ekonomi Islam. RajaGrafindo Persada.
Rafiki, A., & Wahab, K. A. (2014). Islamic Values and Principles in the Organization: A Review of Literature. Asian Social Science, 10(9), p1. https://doi.org/10.5539/ass.v10n9p1
Raz, T. J. (2019, November 25). Challenges of Sharia Banking in Indonesia. The Jakarta Post. https://www.thejakartapost.com/academia/2019/11/25/challenges-of-sharia-banking-in-indonesia.html
Rosadi, A., & Athoillah, M. A. (2015). Distribusi zakat di Indonesia: Antara sentralisasi dan desentralisasi. Ijtihad : Jurnal Wacana Hukum Islam dan Kemanusiaan, 15(2), 237–256. https://doi.org/10.18326/ijtihad.v15i2.237-256
Rosadi, A., Effendi, D., & Busro, B. (2018). The Development of Waqf Management Throught Waqf Act in Indonesia (Note on Republic of Indonesia Act Number 41 of 2004 regarding Waqf). MADANIA: JURNAL KAJIAN KEISLAMAN, 22(1), 1–18. https://doi.org/10.29300/madania.v22i1.881
Saeed, A. (1999). Islamic Banking and Interest: A Study of the Prohibition of Riba and Its Contemporary Interpretation. Brill.
Salman, A., & Nawaz, H. (2018). Islamic Financial System and Conventional Banking: A Comparison. Arab Economic and Business Journal, 13(2), 155–167. https://doi.org/10.1016/j.aebj.2018.09.003
Samsudin, A. R., & Athoillah, M. A. (2017). SAVINGS INVESTMENTS IN SHARIA BANKS IN THE PERSPECTIVE OF SHARIAH ECONOMIC LAW (CASE STUDY AT “BANK SYARIAH BUKOPINâ€). Journal of Economicate Studies, 1(2), 63–80. https://doi.org/10.32506/joes.v1i2.175
Saputro, A. D., Rois, A. K., & Bazi, U. A. (2018). Heart Half Implementation Sharia Banking in Indonesia. IKONOMIKA, 3(2), 127–138. https://doi.org/10.24042/febi.v3i2.3258
Sari, M. D., Bahari, Z., & Hamat, Z. (2016). History of Islamic Bank in Indonesia: Issues Behind Its Establishment. International Journal of Finance and Banking Research, 2(5), 178. https://doi.org/10.11648/j.ijfbr.20160205.13
Sari, T. (n.d.). Strategi Pemasaran dan Peran Perbankan Syariah dalam Perekonomian Indonesia. STEI AUB.
Setyowati, N. (2019). Macroeconomic Determinants of Islamic Banking Products in Indonesia. Economies, 7(2), 53. https://doi.org/10.3390/economies7020053
Sholihin, R. (2018). The Sharia Bank Syndication Financing in the Economic Law Perspective. Journal of Economicate Studies, 2(2), Article 2. https://doi.org/10.32506/joes.v2i2.467
Sudana, S., & Marlina, L. (2019). The Influence of Economic Growth, Job Opportunity and People Prosperity on Islamic Banking Growth In Six Provinces in Java Island. International Journal of Nusantara Islam, 7(2), 190–202. https://doi.org/10.15575/ijni.v7i2.6343
Syafiq, A. (2016). Prospek Zakat Dalam Perekonomian Modern. ZISWAF : Jurnal Zakat Dan Wakaf, 1(1), 1–26. https://doi.org/10.21043/ziswaf.v1i1.1530
Syah, T. A., & Kharismasyah, A. Y. (2018). The Effect of Inflation, Bank Indonesia Rate, Non Performing Financing, and Costs of Operating Expenses to Operating Revenues on Profitability of Sharia Commercial Banks in Indonesia. Journal of Economicate Studies, 2(2), Article 2. https://doi.org/10.32506/joes.v2i2.469
Umam, K. (2013). Manajemen Perbankan Syariah. Pustaka Setia.
Venardos, A. M. (2006). Islamic Banking and Finance in South-East Asia: Its Development and Future. World Scientific.
Wahyuni, S. (2018). Analysis of Cash Buying and Murabahah Financing (case Study on Green Mutiara Housing Tambaksogra PT Graha Perwira Pratama, Kembaran Sub-District, Banyumas Regency). Journal of Economicate Studies, 2(1), Article 1. https://doi.org/10.32506/joes.v2i1.463
Yuniarti, F. R. (2017, January 16). Islamic Banking a Gloomy Industry. The Jakarta Post. https://www.thejakartapost.com/academia/2017/01/16/islamic-banking-a-gloomy-industry.html