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"ABSTRAKPotential Bankruptcy On Islamic Banking Sector Facing Business Environmental Changes This research aims is to evaluate the soundness of Islamic banks and to predict the bankruptcy potency from the Islamic banks. The methods that used on this paper are RGEC method and the modified altman z-score analysis. The RGEC is represents by NPF, LR, risk profile, ROA, NCOM, and CAR. The altman z-score is represents by the ratio of networking capital to total asset, retained earning to total asset, earning before interest and tax to total asset, and book value of equity to book value of debt. The result shown that the Islamic bank's soundness used RGEC methods is fit into healthy category in 2010-2014 periods. The altman z-score also show that the Islamic banks fit into safe zone in 2010-2014 periods."

"Dalam penelitian ini digunakan metode deskriptif dengan pendekatan kuantitatif yaitu menghitung dan memaparkan indikator metode RGEC. Teknik pengambilan sampling menggunakan teknik Jugement Sampling. Hasil selama periode 2013 - 2015 dengan menggunakan metode RGEC menunjukan bahwa bank dengan predikat sehat tahun 2013 adalah BSM, BRI Syariah, BJB syariah dan Bank Victoria Syariah sedangkan predikat cukup sehat adalah Bank Syariah Bukopin. Pada tahun 2014 bank dengan predikat sehat adalah BSM dan BJB Syariah sedangkan predikat cukup sehat adalah BRI Syariah, Bank Syariah Bukopin, dan Bank Victoria Syariah. Pada tahun 2015 bank dengan predikat sehat adalah BSM, BRI Syariah dan Bank Syariah Bukopin sedangkan predikat cukup sehat adalah BJB Syariah dan Bank Victoria Syariah."

"ABSTRAKThis study aims to find the concept of rate of profit on Islamic banking that can create economic justice. Rate of profit that creates economic justice can be achieved through its role in maintaining the stability of the financial system in which there is an equitable distribution of income and wealth. To determine the role of the rate of profit as the basis of the sharing system implemented in the Islamic financial system, we can see the connection of rate of profit in creating financial stability, especially in the asset-liability management of financial institutions that generate a stable net income or the rate of profit that is not affected by the ups and downs of the market risk factors including indirect effect on interest rates. Futhermore, Islamic financial stability can be seen from the role of the rate of profit on the stability of the Islamic financial assets that are measured from the Islamic financial asset price volatility."

"ABSTRAKPenelitian ini bertujuan untuk menganalisis peran perbankan syariah dalam mengimplementasikan financial inclusion di Indonesia. Financial inclusion merupakan proses untuk memberikan akses keuangan formal bagi masyarakat miskin dan perpenghasilan rendah (unbankable people). Penelitian ini menggunakan pendekatan kualitatif dan kuantitatif (mixed research). Analisis data kualitatif menggunakan teknik analisis yang dikembangkan oleh Straruss dan Corbin dengan tiga langkah besar, yaitu open coding, axial coding, dan selective coding. Analisis data kuantitatif menggunakan analisis perbandingan laporan keuangan pada tahun 2010-2014 dan analisis rasio keuangan berupa CAR, ROA, ROE, NPF, dan FDR. Penelitian ini membuktikan bahwa perbankan syariah memiliki potensi besar dalam mengimplementasikan financial inclusion, ditunjukkan dengan pertumbuhan yang signifikan pada funding dan financing tahun 2010-2014 dan hasil analisis rasio keuangan juga menunjukkan kinerja dan kondisi keuangan perbankan syariah baik."

"Penelitian ini menjelaskan pengaruh penerapan Good Governance Bisnis Syariah dari lembaga keuangan yang diukur dengan Indeks Kinerja Keuangan Islam. Indikator yang digunakan untuk menjelaskan Good Governance Bisnis Syariah dalam penelitian ini berdasarkan nada pedoman penerapannya yang dikeluarkan oleh KNKG yang terdiri dari komisaris, dewan syariah pengawas (SSB), direktur dan informasi lainnya. Metode penelitian ini multinomial regresi logistik. Sampel yang digunakan adalah Bank Islam yang terdaftar di BI selama periode pengamatan 2011-2015. Untuk menentukan metode pemilihan sampel ytthg digunakan purposive sampling. Dengan metode ini, diperoleh S Bank Islam untuk digalakan sebagai sampel dalam penelitian ini. Hasil penelitian ini menunjukkan bahwa secara simultan mempengaruhi Index Islam Kineija Keuangan Islam. Sebagian komisaris memiliki pengaruh sementara DPS, direksi, dan informasi lainnya tidak berpengaruh pada Indeks Kinerja Keuangan Islam."

"ABSTRAKThis study aims to determine the factors that influence the financing of Islamic banking inIndonesia. This study is examines BI rate, BOPO, CAR, FDR, Inflation, NPF, Exchange Rate andFinancing of Islamic Banking in Indonesia. The data in this study is secondary data from January2013 to September 2017. The data is analysed using the Error Correction Model and processedby eviews. The results of this are the variables that influence the short-term financing of Islamicbanks are BOPO and FDR, while the variables BI_rate, CAR, inflation, NPF and Exchange rateshave no effect. Furthermore, the variables that influence the long-term financing of Islamic banksare BI_rate, BOPO, CAR, FDR and inflation, while the NPF and exchange rate variables haveno effect."

"Penelitian ini bertujuan untuk menguji pengaruh implementasi kebijakan Basel II terhadap valuasi pasar industri perbankan di ASEAN-5 pada periode 2000-2015, melalui perubahan pencadangan Penyisihan Penghapusan Aktiva Produktif PPAP diskresioner dan praktik perataan laba. Penelitian ini tidak menemukan adanya pengaruh implementasi kebijakan Basel II terhadap PPAP diskresioner dan perataan laba. Ketiadaan pengaruh tersebut dapat disebabkan oleh kurangnya sampel bank yang menggunakan pendekatan IRB. Temuan dari penelitian ini adalah implementasi kebijakan Basel II yang mengurangi motif oportunis dalam PPAP diskresioner memberikan valuasi pasar yang lebih tinggi.

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This study aims to analyze the effects of Basel II implementation on market valuation of ASEAN 5 banking industry during 2000 ndash 2015, through changes in discretionary loan loss provisioning practices and income smoothing practices. This study does not find the effect of Basel II implementation on discretionary loan loss provision and income smoothing. The absence of these effects might be caused by a lack of sample using IRB approach. The findings of this study is that Basel II implementation, which reduce opportunistic motives in discretionary loan loss provision, generate higher market valuation."

"This study aims to examine the influence of Islamic corporate governance, size of the Board of Commissioners, the composition of the Board of Commissioners, Frequency of Meetings of the Board of Commissioners, the size of the Audit Committee Independent, The composition of the Audit Committee Number of Meetings Audit Committee, Profitability and Liquidity on the disclosure of corporate social responsibility (case study on the bank Sharia in Indonesia). This research is a quantitative study using scientific research in the form of positive economics. The nature and type of this research is descriptive method used is based on a survey of the literature. Data used is secondary data obtained from www.btgo.id and corporate websites. The analytical method used is multiple linear regression analysis with SPSS version 22. The population in this study are all Islamic banks registered in Bank Indonesia during the period 2012 to 2014. While the sample is determined by using purposive sampling method in order to obtain a sample of 10 banks with observations for 3 years. Based on the results of multiple regression analysis with significance level of 5%, then the results of this study concluded: (1) Islamic Corporate Governance consisting of Existence and expertise Sharia Supervisory Board has no significant effect on the disclosure of corporate social responsibility. (2) The size of the BOC significant effect on the disclosure of corporate social responsibility. (3) The composition of the Board of Commissioners has no significant effect on the disclosure of corporate social responsibility. (4) The frequency of the number of board meetings no significant effect on the disclosure of disclosure of corporate social responsibility. (5) The size independent audit committee has no significant effect on the disclosure of corporate social responsibility. (6) The composition of the independent audit committee has no significant effect on the disclosure of corpora te social responsibility. (7) The number of meetings of the audit committee has no significant effect on the disclosure of corporate social responsibility. (8) Profitability has no significant effect on the disclosure of corporate social responsibility. (9) Liquidity no significant effect on the disclosure of corporate social responsibility. (10) Islamic corporate governance, size of the Board of Commissioners, the composition of the Board of Commissioners, Frequency of Meetings of the Board of Commissioners, the size of the Audit Committee Independent, The composition of the Audit Committee Number of Meetings Audit Committee, Profitability and Liquidity on the disclosure of corporate social responsibility jointly significant effect on disclosures corporate social responsibility."

"ABSTRAKKontribusi sektor UMKM dalam perkenonomian dapat dilihat dari Product Domestic Bruto di dalam suatu Negara. Penelitian ini bertujuan untuk menganalisis pengaruh variabel internal (CAR, DPK, ROA dan NPL UMKM) dan eksternal (SBI) perbankan terhadap penawaran kredit UMKM. Terutama setelah diberlakukannya UU Nomor 23 Tahun 1999 yang telah diubah dengan UU Nomor 3 Tahun 2004, dimana kebijakan Bank Indonesia dalam membantu pengembangan UMKM mengalami perubahan yang cukup besar. Metode analisis yang digunakan adalah Ordinary Least Square (OLS).Hasil yang diperoleh menunjukkan bahwa setiap variab el memiliki kontribusi yang berbeda-beda pada bank-bank umum. Hasil penelitian menyarankan bahwa perlu adanya penambahan jangka waktu dan penambahan variabel -variabel lain untuk mendapatkan hasil yang lebih signifikan.

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ABSTRACTThe contribution of SMEs sec tor in the economy can be seen from the Gross Domestic Product in a country. This study aims to analyze the influence of internal variables (CAR, DPK, ROA and SMEs NPL) and external (SBI) of the banks to SMEs credit offering. Especially after masqueraded t he Act No.23 of 1999 which was modified by Law No.3 of 2004, where the policy of Bank Indonesia is to assist in the development of SMEs changes large enough. Analysis method used was Ordinary Least Square (OLS).

The results obtained that each of variables has a different contribution on the commercial banks. Results of research suggest that there is need to increase the time period and the addition of other variables in order to get the results mo significant."

"ABSTRAKThis study aims to determine the effect of temporary syirkah funds, board size, a board ofcommissioner meetings, board size, a board of directors meetings, the size of the shariasupervisory board, sharia supervisory board meetings, and the performance of sharia Islamicbanking in Indonesian banking. The research method used in this study is the explanatory method,the independent variables used in this study consist of temporary syirkah funds, board size, aboard of commissioner meetings, board size, a board of directors meetings, the size of the shariasupervisory board, and sharia supervisory board meetings. While the dependent variable ismaqasid sharia performance, the population in this study is the Islamic Commercial Bank (BUS),the samples were taken are 6 Islamic banks. Simultaneous temporary syirkah funds, board size,a board of commissioner meetings, board size, a board of directors meeting, sharia supervisoryboard size, and sharia supervisory board meetings have a positive and significant effect onmaqasid sharia performance."