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"ABSTRAKTesis ini membahas pengawasan Sperbankan yariah di Indonesia,pokok pembahasan dalam penelitian ini pengawasan terhadap bank Syariah berdasarkan peraturan perundang-undangan di indonesia dan perbandingan pengawasan perbankan syariah di Indonesia,Malaysia dan Iran,metode yang digunakan adalah penelitian yurudis normatif melalui studi kepustakaan. Penelitian menemukan bahwa pengawasan kepatuhan perbankan syariah terhadap prinsip kehati-hatian dilakukan oleh bank Indonesia dan pengawasan dan pengawasan terhadap prinsip syriah dalam kegiatan bank Indonesia dan pengawasan prinsip syariah.

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ABSTRACTthe thesis discusses the syariah banking supervision in Indonesia, the subject matter in this study is the supervision of syariah banking is based on legislation and law in Indonesia and the comparison of syariah banking sipervision in Indonesia, Malaysia and Iran. The research method used is a normative legal research through a literature study. This study found that sipervision of compaliance to the principles of shariah banking pridential conducted by Bank Indonesia and oversight of Shariah principles in Islamic banking activities conducted by the Sharia supervisory board. Supervision of the shariah principle is inseparable from the role of the Nation Islamic Council of Indonesia Ulama Council issuing fatwas on islamic banking products and services."

"Pertumbuhan industri perbankan syariah di Indonesia sangat tinggi, mencapai lebih dari 30% per tahunnya. Namun market sharenya masih saja sangat kecil yaitu hanya sebesar 3,2 %. Oleh karena itu upaya untuk terus meningkatkan pertumbuhan bank syariah terus dilakukan. Salah satunya dengan mendorong bank syariah melakukan inovasi produk. Inovasi produk ini diharapkan akan menjadi salah satu strategi untuk terus meningkatkan pertumbuhan aset bank syariah yang pada akhirnya akan membantu memperbesar market share perbankan syariah di Indonesia.Penelitian ini bertujuan menganalisis faktor-faktor yang mempengaruhi Inovasi produk perbankan syariah di Indonesia, berdasarkan kerangka teoritis dan penelitian sebelumnya. Survei dilakukan terhadap 31 bank umum syariah dan unit usaha syariah di seluruh Indonesia dengan menggunakan kuesioner dan wawancara. Data yang diperoleh diolah dengan menggunakan metode analisis faktor dan Analisis Jalur dengan program AMOS versi 6.0.Hasil penelitian menyimpulkan bahwa faktor yang dapat mempengaruhi inovasi produk perbankan syariah di Indonesia adalah sumber daya manusia, budaya perusahaan, strategi perusahaan, struktur perusahaan dan faktor eksternal (fatwa DSN, regulasi BI, pertumbuhan pasar dan tingkat persaingan).

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The growth of Islamic banking industry in Indonesia is very high, reaching more than 30% for each year. But its market share is still very small, that is only 3.2%. Therefore, the efforts to enhance the growth of Islamic banks must continue to be done. One way that can be done is by encouraging Islamic banks to innovate their products. Product innovation is expected as one of strategy to continually enhance the growth of Islamic banks assets that will ultimately help increase the market share of Islamic banking in Indonesia.This study aims to analyze the factors that influence the product innovation of Islamic banking in Indonesia, based on the theoretical framework and previous researches. The survey was conducted to 31 Islamic banks and Islamic business units throughout Indonesia using questionnaires and interviews. The data obtained were processed using the method of factor analysis and path analysis with the program AMOS version 6.0.The study concluded that the factors that can affect product innovation of Islamic banking in Indonesia is a human resources, corporate culture, corporate strategy, corporate structure and exter."

"Pada saat ini, Indonesia belum sepenuhnya bebas dari kemiskinan. Untuk mengatasi kemiskinan tersebut, pemerintah telah mengeluarkan berbagai kebijakan namun hasilnya masih tetap memprihatinkan. Sebagai negara yang berpenduduk mayoritas beragama Islam, pemerintah mengharapkan wakaf dapat menjadi sebagai salah satu alternatif dalam penanggulangan kemiskinan di Indonesia. Wakaf yang dikenal oleh masyarakat selama ini hanyalah benda tidak bergerak. Padahal selain benda tidak bergerak, terdapat benda bergerak seperti uang dapat juga diwakafkan. Apabila wakaf uang dikelola secara profesional, diharapkan wakaf tersebut dapat dimanfaatkan untuk menanggulangi kemiskinan. Dalam Undang-undang Nomor 41 Tahun 2004 tentang Wakaf disebutkan bahwa wakaf uang dapat dilakukan melalui Lembaga Keuangan Syariah Penerima Wakaf Uang (LKS-PWU) yang telah ditunjuk oleh Menteri Agama. Sementara itu, Undang-undang Nomor 21 Tahun 2008 tentang Perbankan Syariah (UUPS) menyebutkan bahwa perbankan syariah dapat berperan sebagai lembaga keuangan syariah untuk menghimpun dana dari masyarakat termasuk dana wakaf uang. Dengan hadirnya Undang-undang tentang Wakaf dan UUPS diharapkan wakaf dapat dikelola secara optimal dan hasilnya dapat dipergunakan untuk menanggulangi kemiskinan. Berdasarkan kondisi tersebut, penelitian ini bertujuan untuk mengetahui wakaf uang menurut hukum Islam dan peraturan perundang-undangan yang berlaku di Indonesia, prosedur dan tata cara pengelolaan wakaf uang, dan peranan perbankan syariah dalam pengelolaan wakaf uang. Untuk menjawab permasalahan tersebut, penulis melakukan penelitian dengan metode yuridis normatif yang berbasis pada analisis terhadap norma hukum dengan pendekatan deskritif analisis. Norma hukum yang dianalisis merupakan norma hukum yang berasal dari perundang-undangan yang terkait dengan wakaf dan perbankan syariah. Dari penelitian tersebut dapat disimpulkan bahwa menurut hukum Islam dan Undang-undang tentang Wakaf, wakaf uang dibolehkan di Indonesia. Adapun peraturan tentang prosedur dan tata cara pengelolaan wakaf uang di Indonesia terdapat dalam Peraturan Pemerintah Nomor 42 Tahun 2006 tentang Pelaksanaan Undang-undang tentang Wakaf dan Peraturan Menteri Agama Nomor 4 Tahun 2009 tentang Administrasi Wakaf Uang

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At this moment, Indonesia has not yet become completely free of poverty. To overcome such poverty, the government has issued some policies nevertheless the result is still more concerned. As a country with Moslem majority, the government expects that the waqf could be one alternative to overcome poverty in Indonesia. Waqf has been known by public for the immovable assets only. Except for the immovable asset, there is also cash as movable assets, such as money, it could be donated. If the cash waqf is managed professionally, it is hoped such waqf to be able to overcome the poverty. Law Number 41 of 2004 on Waqf states that the cash waqf can be carried out through Syariah Financial Institute - Cash Waqf Recipient or Lembaga Keuangan Syariah Penerima Wakaf Uang (LKS-PWU), which has been appointed by the Minister of Religious Affairs. Meanwhile, Law Number 21 of 2008 on Syariah Banking (Syariah Banking Law) states that a syariah banking can play a role as a syariah financial institute to collect the funds from the public including the cash waqf fund. By promulgation of the Waqf Law and the Syariah Banking Law, it is expected that the waqf could be managed optimal and its result could be used towards eradicating poverty. Referring to such condition, this research is to know about the cash waqf based on the Islamic Law and the prevailing laws and regulations, procedures of cash waqf management, and also the role of syariah banking in management of the cash waqf. To respond to all queries above, the writer has conducted the research through methods of normative judicial based on an analytical process on the prevailing laws and regulations through analytical descriptive approach. The law has been analyzed referring to the prevailing waqf and syariah banking laws and regulations. Based on the research above, it can be concluded that under Islamic law and the Waqf Law, the cash waqf is allowed in Indonesia. As regards stipulation on procedure of cash waqf management in Indonesia it is regulated under Government Regulation Number 42 of 2006 on Implementation of the Waqf Law and Minister of Religion Affairs Regulation Number 4 of 2009 on Administration of Cash Waqf."

"ABSTRAKWorld Trade Organization (WTO) sebagai suatu badan perdagangan dibentukberdasarkan ide liberalisasi perdagangan internasional untuk meningkatkanperdagangan dunia, dengan perdagangan dunia yang meningkat diharapkankemakmuran umat manusia akan meningkat. WTO secara umum terbagi atas tigaperjanjian, yaitu the General Agreement on Tariffs and Trade (GATT), theGeneral Agreement on Trade in Services (GATS), dan Trade-Related Aspects ofIntellectual Property Rights (TRIPs). Dalam GATS, WTO mengatur tentangperdagangan jasa-jasa, salah satunya yaitu financial services atau jasa keuanganyang di dalamnya mengatur tentang jasa perbankan. Indonesia sebagai negarayang telah meratifikasi WTO dengan Undang-undang Republik Indonesia No 7tahun 1994 Tentang Pengesahan Agreement Establishing the World TradeOrganization, bertanggung jawab untuk mengimplementasikan perjanjianperjanjiandalam WTO, termasuk tentang jasa perbankan yang diatur dalamGATS ke dalam peraturan perundang-undangan tentang perbankan Indonesia.Dalam dunia perbankan, sistem perbankan terbagi dua, yaitu sistem konvensionaldan syariah, sistem perbankan syariah dewasa ini berkembang sangat pesat, dantelah menjadi salah satu pilihan transaki perbankan. GATS mengatur tentangpembukaan bank di negara-negara anggotanya dengan prinsip-prinsip nondiskriminasidan harus seliberal mungkin, namun GATS juga memberikankemungkinan negara untuk membuat Schedule of Specific Commitments (SoC)untuk menunjukkan bagaimana setiap negara anggota menerapkan kewajibanakses pasar dan perlakuan nasionalnya. Indonesia dalam SoC nya, mengatakanpembukaan bank asing syariah wajib dalam bentuk joint venture dengan lokal,dengan memungkinkan asing memiliki maksimum 99% dari modal disetor bank.Di Indonesia terdapat dua bank asing syariah yang telah beroperasi, yaituMaybank Syariah dan Bank Muamalat Indonesia. Dalam pembukaan bank asingsyariah, Indonesia telah menerapkan prinsip Most-Favoured Nation dengan baik,hanya prinsip resiprositas yang belum terlaksana dengan baik. Kedepannya,Indonesia wajib mengatur ulang kebijakannya di dalam negeri dan mengadakannegosiasi dengan negara lain agar bank nasional Indonesia dapat membukacabangnya di luar negeri

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ABSTRACTWorld Trade Organization (WTO) is an organization which was founded in thespirit of international trade liberalization with a view to improve the world trade,which consequently would improve the prosperity of mankind. Generally, WTO isbased on three agreements; the General Agreement on Tariffs and Trade (GATT),the General Agreement on Trade in Services (GATS), and the Trade-RelatedAspects of Intellectual Property Rights (TRIPs). In GATS, WTO regulates thetrade of services; the financial services being one of them. It, furthermore,manages Indonesian banking services As a country that has ratified WTO, asstated in Law No 7 year 1994 of Republic of Indonesia on the ratification ofAgreement Establishing the World Trade Organization, Indonesia is responsible inimplementing the agreements stated in WTO; which includes the banking servicesthat is stated in GATS, into the banking law of Indonesia. The banking system isfundamentally divided into two; the conventional banking and the Islamic bankingsystem which has rapidly developed and has successfully become a choice forpeople?s banking transactions. GATS regulates the establishment of banks in itsmember countries based on the non-discriminating and liberal principles. GATS,however, offers possibilities for its member countries to form a Schedule ofSpecific Commitments (SoC) as a mean to show their market access liability andtheir national banking acts. In its SoC, Indonesia states that any foreign Islamicbanks must form a joint venture with local banks, with maximum capital of 99%.At the moment, there are two operating islamic banks in Indonesia; MaybankSyariah and Bank Muamalat Indonesia. In the establishment of islamic banks,Indonesia has applied Most-Favoured nation principle. However, the principle ofreciprocity has yet to be applied effectively. In the near future, it is hoped thatIndonesia could reconsider its national regulation, and hold negotiations with othercountries, so as Indonesia?s own banks would be able to open their branches"

"There are two purposes that want to be assessed in this study The _first purpose is to indicate whether the moral hazard problems are occurred in the Indonesian Sharia Bank (The moral hazard in this paper is the indirect Moral hazard which is the negligence of bank in the financing process influencing the moral hazard problems of the debtor in the other side. The second purpose is to assess whether the _financing policies in the Sharia Banking are influenced by profit sharing system, The data for assessing this paper are acquired from the monthly financial reports published by Sharia Banks such as BSM? and BMI from January 2001 to December 2004.

The research based on the Ever Correction Model in the long term shows that the increasing of allocation ratio of Murabahah to Musyarakah and Mudharabah results the increasing of non performing financing ratio. It indicates that the moral hazard problems are occurred in BML The moral hazard indication demonstrates that bank is both less careful in financing and less incentive in monitoring process. It also demonstrates the weakness of the Sharia bank's operational system in countering the debtor's moral hazard The Granger Causality Test proves that profit sharing ratio (nisbah) between bank and debtor influences return ratio, however it does not influence financing allocation). On the other hand _financing allocation ratio influences nisbah ratio, furthermore in BSM case, return ratio influences nisbah ratio. This description shows that nisbah ratio is not only an instrument for calculating revenue/return distribution but also an instrument for Sharia bank in synchronizing profit sharing level with the interest Vale in conventional bank."

"Penelitian ini menggunakan pendekatan kuantitatif dan model yang digunakan adalah model Panzar-Rosse (1987) yang memperkenalkan pendekatan perilaku pendapatan untuk menilai tingkat persaingan dalam sektor perbankan. Pengukuran tingkat persaingan dengan menggunakan model ini menghasilkan suatu nilai yang disebut H-Statistic atau H-Stat. Penelitian ini menggunakan sampel sebanyak 26 bank yang terdaftar di Bursa Efek Indonesia (BEI) dengan waktu 5 tahun pengamatan maka diperoleh 130 observasi yang akan digunakan dalam analisis lebih lanjut dan diperoleh hasil bahwa struktur pasar industri perbankan yang terdaftar di BEI periode 2008 - 2012 berada dalam keadaaan pasar persaingan monopolistik. Berdasarkan hasil ini maka dalam rangka memaksimumkan keuntungannya bank harus mampu menghasilkan produk yang berbeda karakteristiknya dengan produk pesaingnya.

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This research is used quantitative approach and model used is Panzar-Rosse's Model (1987) which introduced an approach for assessing the level of revenues behavior of competition in the banking sector. This model provides an indicator of competition, known as H-Statistic or H-Stat. This research is used 26 firms listed on Indonesia Stock Exchange between 2008-2012 were selected as sample with five years of observations and obtained 130 observation that will be used in further analysis. It can be concluded that market structure of banking industry which listed in Indonesia Stock Exchange for period 2008 - 2012 into the category of monopolistic market. Based on this result and in order to maximize the benefits bank must be able to produce different characteristic products than other firms."