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This research aims to determine the influence of Good Corporate Governance on the financial performance of sharia banking listed on the Sharia Capital Market or the Indonesian Stock Exchange (BEI) for the 2016-2020 period. In this study, a purposive sampling technique was used in sampling so that a sample of 11 sharia banking companies was obtained. The type of data used in this research is secondary data which is then assisted by using the SPSS application to carry out data analysis techniques. And in measuring financial performance using Return On Assets (ROA). The results of this research can be concluded that Institutional Ownership has a significant effect on the financial performance of Islamic banking based on multiple linear analysis tests. The results also show that the Independent Board of Commissioners has a significant influence on the financial performance of sharia banking. And the audit committee also has a significant influence on the financial performance of sharia banking. The limitations of the research are the limited information published by sharia banking so that some of the population cannot be used as research samples and the research period is relatively short, namely only 5 years so that the research carried out by researchers does not reflect the long-term condition of the company and the data obtained is still not optimal. Suggestions for future researchers are to take a longer research period so that the data obtained can be more optimal.

As time goes by, economic activity in Indonesia certainly experiences development, as does the development of increasingly modern technology. This development also spread to Islamic banking. The beginning of the development of the Islamic finance industry was initiated by the inspiration of the Indonesian people, who are predominantly Muslim. The purpose of this study is to analyze how the perception of the Kajen community is related to sharia-based savings services in the Pekalongan Regency area. The method used in this study uses a qualitative approach with research subjects from the Kajen community based on a representative principle. Source of data in this study using primary data by using interviews with informants. The results of this study are that people already understand the existence of sharia savings services. Sharia savings institutions in the community include BSI, Bank Muamalat, BTM, BMT, BTN. According to public perception, sharia savings services have attractive performance and friendly service. However, there are several obstacles in terms of opening sharia savings, namely the many requirements that must be met.      

Banking, which acts as a financial middleman, is crucial to a country's economy. One definition of a bank is an entity whose primary business is to accept deposits from the general public and then make loans, savings accounts, and other financial products and services available to residents of the community in order to raise everyone's quality of living. People's credit banks (BPR) in Indonesia are financial institutions that conduct their operations in accordance with traditional banking practices and/or sharia law. This research set out to quantify the impact of external funding and risk management on the bottom lines of Indonesia's islamic rural banks. From the total sample size of 164 businesses, 46 were selected at random as representative of the banking sector. The Statistical Package for the Social Sciences (SPSS 29) was used for all statistical analyses and data processing. Findings from the study include: (1) the insignificant impact of third-party funds on BPRS performance; (2) the insignificant negative impact of non-performing financing on BPRS performance; (3) the insignificant impact of the financing-to-deposit ratio on BPRS performance; and (4) the significant negative impact of operational costs on BPRS performance.

The banking industry is one of the businesses that relies on trust which is the main foundation of banking activities, namely confidence from the public as a Islamic banking service user, grows well for an Islamic banking can be seen from the financial performance itself. Today’s liquidity is very important for Islamic banks in carrying out activities, whether to overcome urgent needs, meet customer demand to financing, providing flexibility in achieving interesting and profitable investment opportunities so as not to inhibit sharia banking itself. In this study aims to determine the Effect of Third Party Fund (Dpk), Return On Asset (Roa), And Capital Adequacy Ratio (Car) On Liquidity (Fdr) At the Sharia Bank of General Sharia Year 2017-2022. This study used the type of Quantitative Research using secondary data acquired from the official www.ojk.go.id This study was carried out using a multiple linear regression analysis method that has the results of the study that Third Party Fund negatively affects Financing Deposit Ratio which is evidenced with -thitung> ttabel (-2,605> 1.720). The Return On Asset did not significantly affect Financing Deposit Ratio which was evidenced by thitung <ttabel (1.487 <1.720). Capital Adequacy Ratio has no significant effect to Financing Deposit Ratio which is evidenced by -thitung <ttabel (-1,315 <1.720). As well as Third Party Funds, Return On Asset, Capital Adequacy Ratio Has a simultaneous effect on Financing Deposit Ratio which is evidenced by Fstatistik <0.05 (0.000 <0.05) and Fhitung Ftabel (16.647> 39). With an effect of 0.714 or 71% on FDR at Bank Syariah Public and the remaining 29% are influenced by other variables not included in this study.

In this study the measurement of financial performance at Islamic Commercial Banks in Indonesia is carried out based on sharia aspects which consist of Islamic financial performance and Islamic maqashid performance. This study aims to analyze the performance of Islamic banking, especially Islamic Commercial Banks in Indonesia during the five year period from 2018-2022. Which is measured using the Sharia Conformity and Profitability (SCnP) and the Sharia Maqashid Index (SMI). The data used are 5 Islamic Commercial Banks consisting of: Bank Muamalat Indonesia (BMI), Bank Mega Syariah (BMS), Bank BCA Syariah (BCAS), Bank Bukopin Syariah (BBS), Bank Aceh Syariah (BAS). The data source used in this research is secondary data. Data is obtained from the annual reports of BUS in Indonesia for 2018-2022 via the website of each Islamic Commercial Bank. The results of this study show that based on the graphs and rankings, the results of the comparison of SCnP and SMI during the 2018-2022 period show that Islamic Commercial Banks in Indonesia are in one quadrant, namely URQ (Upper Right Quadran), Bank Aceh Syariah (BAS) is ranked first, Banks Muamalat Indonesia (BMI) is ranked second, Bank BCA Syariah (BCAS) is ranked third, Bank Bukopin Syariah is ranked 4th, and Bank Mega Syariah is ranked fifth.

Micro, Small and Medium Enterprises (MSMEs) are buying and selling activities and providing services to the community with the aim of making a profit, but the empowerment of MSMEs is not due to the fact that there are still many obstacles, such as the difficulty for MSMEs to obtain financing facilities from financial institutions, so they are forced to take out loans from loan sharks whose interest rates are high and suffocating. thus causing businesses to go out of business, to overcome this problem MSMEs need Islamic financial institutions with a profit sharing scheme, namely mudharabah contracts or financing/investments which are usually mudharabah products found in Islamic Cooperatives, Indonesian Sharia Bank (BSI), Baitul Maal Wat Tamwil (BMT). The Indonesian Muslim Entrepreneurs Community (KPMI) and the Syirkah Bersama Cooperative (KSBB) are both working together to create a new innovation in the form of Mudharabah Linked Waqf which optimizes and manages cash waqf funds in an organized manner so that it is hoped that it can help MSMEs to develop further.

Islamic financial institutions provide facilities that can be used by the community in the business sector to open up opportunities to build UMKM. UMKM are the main productive and competitive actors in the national economy. For this reason, the development of micro, small and medium enterprises needs to be the main priority of national economic development. This study aims to describe the role of Islamic financial institutions for UMKM in realizing economic development. This type of research is a literature review research with data sources obtained through a search on google schoolar with a number of predetermined variable keys. The results of this study include the role of financial institutions in the economy including the transfer of assets, transactions, liquidity and efficiency. Islamic financial institutions were established with the aim of promoting and developing the application of Islamic principles, sharia and their traditions into financial and banking transactions and related businesses.

This study aims to determine differences in company performance seen from the ratio of profitability, liquidity and activities before the merger and to find out the differences in company performance seen from the ratios of profitability, liquidity and activities after the merger. the population consists of Sharia Banking companies listed on the Indonesia Stock Exchange. The total number of companies in this population is 13 entities. The sampling technique uses the purposive sampling method and obtains the results of Islamic banking companies listed on the Indonesia Stock Exchange for the 2018-2022 period. The population of companies in this study was 4 before the merger and 1 after the merger. Data analysis used comparative analysis and descriptive statistical analysis using SPSS as a testing tool. The results of the study show that there are differences in the average ratio of liquidity and profitability ratios in ROI before the merger. Then there are differences in the profitability ratios on NPM, ROA, and ROE after the merger. Meanwhile, the activity ratio shows no significant difference either before or after the merger.  

Banking institutions have the function of collecting and distributing public funds, with reference to the BSI KCP Singkil bank with a sharia system that uses a murabaha contract, so that the existence of partner-to-blessing financing as a welfare effort for Civil Servants (PNS), causes controversy with the concept of conventional banks with a system interest with its murabahah concept. This study aims to determine the financing of Mitraguna Blessing with a murabaha contract for the welfare of Civil Servants (PNS) of Aceh Singkil Regency in Islamic banking. This research is a type of field research (field research) which is descriptive qualitative, data collection using interview techniques Bank BSI KCP Singkil. The results of this study: 1). Most customers from civil servants in Aceh Singkil district take out the BSI Singkil blessing partnership financing with the aim of improving their lives, such as building a place of business, buying garden land, building a house, renovating a place of business or renovating a house and buying a vehicle. 2). Mitraguna Berkah Financing with a Murabahah Agreement Bank Syariah Indonesia, Tbk. for civil servants at the stage of the disbursement process, the use of this murabaha contract is in accordance with the legal basis both in sharia and positive law.

Islamic banking which continues to grow rapidly at this time has resulted in competition in the banking industry, both between Islamic banking and conventional banking or fellow Islamic banks in obtaining their respective income. Every bank strives to create product innovations to be the best in order to increase the collection of funds originating from the public in the form of savings. The method used in this research is a qualitative method. Qualitative method is research that explains data in the form of written or spoken words from someone whose behavior is observed. PT. Bank Sumut Marelan Raya Sharia Sub-Branch Office is one of the banks that is competing to earn its income by making a Smart iB savings product which is one of the superior savings products at the bank and uses the Mudharabah Mutlaqah principle where the mudharabah contract gives full freedom to mudharib in managing capital provided by shahibul mal. Mudharib can use this capital for investment or business. This Smart iB Savings uses a ratio or profit sharing that will later be mutually agreed upon.

Liquidity management is a very complex problem in bank operations. The main cause of bank bankruptcy, both large and small, is not due to failure in financing which results in losses, but rather due to the inability of banks to manage liquidity. This article discusses liquidity management by utilizing the Bank Indonesia Sharia System (SBIS) and PUAS transactions. However, that the two methods have not fully resolved the actual problems faced by Islamic banking in allocating unused funds due to excess liquidity. This study was conducted through a literature search covering various solutions and alternatives to overcome the obstacles faced by Islamic banking in managing its liquidity. To support this study, secondary data was used obtained from Islamic Banking Statistics and the Financial Services Authority. Based on this study, it means that the central bank needs to develop the existing instruments in the PUAS provided by Bank Indonesia as the monetary authority. It is hoped that the liquidity problems faced by Islamic banking can be overcome more effectively.

Academic reconstruction is crucial to developing a more dynamic and innovative Sharia banking product that can compete with current conventional banking products. The aim of this study is to study the legal basis, structure, and implementation of this multi-barrier in the sharia banking business.In this study, library research methods are used. The data sources used consist of books and other relevant sources, such as DSN MUI fatwa related to this research topic. The results of the research showed that al-jam'u bainal uqud or multi akad was a major advance in the development of sharia banking products. This is a new discipline that has never been discussed in classical fiction books. As long as these multi-acts do not violate Islamic principles and values, the scholars give permission. The purpose of this multi-acade is to clarify rights and duties and to prevent iniquity, which will benefit mankind both in this world and in the Hereafter. In the product of mutanaqishah (MMq), there are many obstacles, such as syirkah, ijarah, and sale; in the history of muntahiyah bit-tamlik (IMBT), there is wa'd (promises), ijarah and sale, and both form a single product. There is a ta'alluq between these akad-akad and each other.

Bank financial institutions in Indonesia can generally be divided into Islamic banks and conventional banks. Basically, both Islamic banks and conventional banks carry out activities to collect and distribute funds to the public, but all forms of activities carried out by Islamic banks must be in accordance with sharia principles. Competition between Conventional Banks and Islamic Banks in Indonesia is one of the things that has become the focus of attention of banking managers, especially with regard to customers, moreover, Indonesian Islamic Banks are still relatively new as a result of the unification of several Islamic Banks. This study aims to see how much influence product knowledge, promotions and word of mouth have on people's understanding of choosing Islamic banks. This research is a research with a quantitative approach and uses primary data. The population in this study is the people of Jambi City, especially those who adhere to Islam. The population in this study is the people who adhere to Islam in the city of Jambi, which is 612,162 people. The sampling technique used is probability sampling so that the number of samples used is 100 respondents. The results of the study show that together the variables of product knowledge, promotion and word of mouth influence people's understanding of choosing Islamic banks. Likewise with the individual, the results of the study show that the variables of product knowledge, promotion and word of mouth have an effect on people's understanding of choosing an Islamic bank with the significance level of each variable being the same, namely equal to 0.000 and the tcount value of each variable is 3.809 for X1, 3,617 for X2 and 5,823 for X3.

Islamic banks are one of the many types of banks that implement sharia principles in their operational activities. Islamic banks play an important role in supporting economic and financial growth in Indonesia, and have become an alternative for people to save and manage their money. However, there are still many Banten UIN students who do not know about Islamic banking and how it works. The level of financial and banking literacy within the scope of UIN Banten students is an important factor that has the potential to influence their interest in saving money in Islamic banks. A low level of financial and banking literacy can make students not have adequate insight into products and services of Islamic banks, thus hindering their interest in saving at the bank. Therefore, this research is aimed at examining the effect of the literacy level of UIN Banten students regarding Islamic banks on their interest in saving in Islamic banks. This research is aimed at reviewing the level of Islamic financial literacy of students of Islamic economics and Islamic banking study programs and the influence of Islamic financial literacy levels on the use of Islamic banking products. Research categorized as quantitative research. Thus, increasing literacy around Islamic banking can strengthen the interest of UIN Banten students in saving money in Islamic banks. Keywords: Influence, literacy level, Islamic bank, interest in saving

This study aims to analyze the satisfaction of UIN Sultan Maulana Hasanuddin Banten students with the use of Bank Tabungan Negara (BTN) and Bank Syariah Indonesia (BSI). This study used the ndust method by taking samples as many Students who use banking services at both banks. The data were analyzed using descriptive and t-test difference test. The results showed that the majority of students who were respondents preferred to use banking services at Bank Syariah Indonesia (BSI) rather than at Bank Tabungan Negara (BTN). The main reason stated is because Bank Syariah Indonesia (BSI) provides better services and is more in accordance with sharia principles. Overall, the level of student satisfaction with the use of banking services at Bank Syariah Indonesia (BSI) is higher than at Bank Tabungan Negara (BTN). However, the results of the t-test difference test showed that there was no significant difference between the satisfaction of students who used banking services at the two banks. This research provides useful information for both banks to improve services and increase customer satisfaction, especially among students. In addition, this research can also be a reference for future research on customer satisfaction in the banking industry.  

The community's need for economic activities based on sharia principles has been accomodated by the implementation of a dual economic system in Indonesi. This also has an impact on the banking system which carried out with a dual banking system, namely the conventional banking system and Sharia banking, and both are run side by side. Public understanding of Sharia Banking is very important considering that the majority of the Indonesian population is Muslim who has the obligation to carry out religion orders thoroughly .(kaffah) including in the economic activities. In addition, universal Sharia economics can be carried out by anyone and everywhere, which lead to the need to understand sharia banking business activities to be important. The method used is the public education method which is carried out with interactive lectures and discussion which are carried out offline at the office of the All-Indonesian Workers Union Executive in Karawang Regency which was attended by the head of the labour association. Sharia banking business activities, both in the process of collecting and distributing funds, can support the economic activities of workers, especially in the needs of economic activities based on Sharia Principles. The subject in this socialization includes regulations related to Sharia banking in Indonesia including the products offered related to sharia banking business activities

In the world of banking in Indonesia, Islamic banking is a type of activity based on sharia principles that is free from usury. Unlike conventional banks which use interest in collecting and channeling funds, Islamic banks use financing as a contract. In conventional and Islamic banking there are differences in terms of banking operations. Therefore, this study aims to analyze the effect of knowledge, reference groups, and consumer motivation on customers' reasons for saving at Bank Syariah Indonesia, South Jakarta. The approach used in this research is a quantitative approach. The quantitative approach aims to determine the magnitude of the analyzed variables. The results of the study show that the knowledge variable and the consumer motivation variable do not have a significant influence on a person's decision to save at Bank Syariah Indonesia. Meanwhile, the reference group variable has a significant influence on a person's decision to save at Bank Syariah Indonesia, so that simultaneously high and low knowledge, reference group, and motivation if simultaneously have an influence on customers to save at Bank Syariah Indonesia.

This research suggests a connection between sharia banking and sharia governance, particularly in Indonesia. The qualitative data for the study were gathered using the library approach. In this study, secondary data from books and articles on the subject that were gathered from reputable research publications were utilised. The necessity for sharia banking services as well as the expanding diversity of products are what are driving the growth of the sharia banking business. The findings of the literature research indicate that it is crucial for the Islamic banking sector to understand how popular it is becoming. All organisations under oppression need Islamic governance because it promotes and upholds Islamic banking and finance. The findings of this study suggest that Bank Indonesia laws control the application of Islamic sharia in Indonesia. Indonesian sharia banking must comply to sharia principles and is governed by a number of laws and regulations pertaining to the conduct of transactions. However, Indonesian Islamic banks have not yet been able to incorporate Islamic governance into their day-to-day activities.

The main task of Bank Jatim is to participate in encouraging the growth of regional economic potential through its participation in developing small and medium credit business sectors in order to obtain optimal profits. Its main activities are collecting and distributing funds and providing other banking services. Until 2019 Bank Jatim has a total of 1,706 operational services, both conventional and sharia services. Bank Jatim currently has e-banking services such as ATM, SMS banking, Internet Banking, Mobile Banking and most recently the jatimcode feature to make it easy for customers to transact wherever and whenever they are. Apart from collaborating with the ATM Bersama network and the Prima network, Bank Jatim has also joined the National Payment Gateway (GPN), which means that bankjatim ATM cards can be used at all ATMs and merchants in Indonesia bearing the ATM Bersama, Prima and GPN logos without any fees.

This research presents the Dewan Pengawas Syariah (DPS) in Islamic Financial Institutions, which plays a part in supervision and is responsible for Islamic teachings. Based on the research findings, it is expected that the members of the board have a deep understanding in the fields of fiqh muamalah, finance, and economics. The functions and characteristics of DPS in Islamic banking are intertwined with influential networks that align with the management of Islamic banking risks, such as reputational risk, which ultimately affects other risks, such as liquidity risk. DPS has the responsibility to ensure that various products and actions of Islamic banks are in line with the principles of Sharia. This research includes relevant literature reviews. The objective of this research is to elucidate the role of DPS in Islamic banking. The analysis adopts a descriptive-analytical approach, which means the researcher needs to dissect and describe the investigated issues. Data collection is conducted through document reviews and literature sources.