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"AbstrakThere are several affecting factors to the Employees performance. This research aimed to examines the factor that influences work motivation and employees performance. The method was the structural equation model. The results found that leadership style and compensation affect the work motivation, but the variable of work discipline does not have an impact on work motivation. This study also found that work discipline and compensation affect the employees performance, but the leadership style does not have an impact. The Policy implications suggest the chairman to set-up leadership style appropriate to the employees situation, and compensation should be enhanced, awards and penalties apply to increase employees discipline and welfare."

"Penelitian ini bertujuan untuk menganalisis pengaruh diversifikasi pendapatan terhadap kinerja dan risiko pembiayaan bank syariah di Kawasan Middle East and North Africa (MENA) dan Southeast Asia (SEA), serta peran Pandemi Covid-19 sebagai variabel moderasi pengaruh diversifikasi terhadap kinerja dan pembiayaan bank syariah. Sampel penelitian terdiri dari 72 bank syariah yang beroperasi secara penuh di 14 negara di Kawasan MENA dan SEA dari 2012 hingga 2021. Hasil penelitian menunjukkan pengaruh positif diversifikasi pendapatan terhadap kinerja bank syariah. Selanjutnya, ditemukan pengaruh negatif diversifikasi pendapatan terhadap risiko pembiayaan bank syariah. Lebih lanjut, ditemukan bahwa terdapat efek moderasi krisis kesehatan dalam memperlemah pengaruh diversifikasi pendapatan terhadap kinerja dan risiko pembiayaan bank syariah.

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This study aims to analyse the influence of income diversification on the Sharia banks’ performance and financing risk in the Middle East and North Africa (MENA) and Southeast Asia (SEA), as well as the moderating role of health crisis. The study uses 72 Islamic banks in the Middle East and North Africa (MENA) and Southeast Asia (SEA) Region during 2013 – 2021. The study found a positive effect of income diversification on Islamic banks’ performance. Additionally, income diversification negatively affects the financing risk. Moreover, using the health crisis as the moderating variable has proven that it weakens the initial findings of the impact of income diversification on the Sharia banks’ performance and the financing risk"

"ABSTRAKThis study aims to analyze the influence of the existence of Sharia Supervisory Board, composition of the Sharia Supervisory Board, Board of Commissioners, Composition of the Board of Commissioners, Audit Committee, Profitability and Liquidity to the Islamic Governance either partially or simultaneously. The data used is secondary data with purposive sampling and selected as many as 10 samples of Sharia Bank. Hypothesis testing in this research by using logistic regression model. The results of this study indicate that the existence of Sharia Supervisory Board (DPS) has a significant influence on Islamic Governance. The Board of Commissioners has no influence on Islamic Governance. The composition of the Board of Independent Commissioners has no influence on Islamic Goverance. The Audit Committee has no influence on the Islamic Governance. Furthermore, profitability and liquidity have no effect on Islamic governance."

"Tujuan penelitian ini adalah untuk mengetahui alasan nasabah memilih KPR bank syariah di wilayah DKI Jakarta dan untuk menemukan faktor-faktor yang paling dominan mempengaruhi keputusan mereka. Faktor yang diteliti adalah karakteristik individu yang terdapat pada variabel: religiusitas, pengetahuan tentang bank syariah, tingkat pendidikan, pendapatan dan usia, kemudian faktor stimuli pemasaran bank yang terdapat pada variabel: Produk, harga, reputasi dan pelayanan. Penelitian dilakukan terhadap nasabah yang berada di wilayah DKI Jakarta dan sekitamya, dengan jumlah sampel sebanyak 117 responden. Metode pengumpulan data menggunakan kuesioner yang telah diuji validitas dan reliabilitasnya. Metode analisis yang digunakan adalah regresi linier berganda. Hasil penelitian menunjukkan bahwa secara bersama-sama, minimal satu dari variabel religiusitas, pengetahuan tentang bank syariah, tingkat pendidikan, pendapatan, usia, produk, harga, reputasi dan pelayanan berpengaruh terhadap keputusan menjadi nasabah. Nasabah memilih bank syariah untuk KPR adalah karena faktor: religiusitas, harga, reputasi dan pelayanan, sedangkan variabel lain yaitu: pengatahuan, tingkat pendidikan, pendapatan dan usia, serta produk tidak berpengaruh secara signifikan. Faktor dominan yang mempengaruhi keputusan adalah reputasi.

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The purpose of this study is to determine why customers choose sharia banks for mortgages in areas of Jakarta and to find the most dominant factors influencing their decisions. Various factors such as individual characteristics contained in the variables: religiosity, knowledge of syariah banks, educational level, income and age, then the bank marketing stimuli factors contained in the variables: product, price, reputation and service. Research carried out on customers who are in areas of Jakarta and surrounding areas. Data were collected through questionnaires which passed the test of validity and reliability of the 117 respondents who had become Islamic bank for housing loan customers. The analytical method used is multiple linear regression.

The results showed that together, at least. one of the variables of religiosity, knowledge of syariah banks, educational level, income, age, product, price, service and reputation influence on customers decisions. Customers choose the Islamic bank for mortgages is because of factors: religiosity, price, reputation and service, while other variables: knowledge, education level, income and age, as well as the product does not influence significantly. Dominant factor influencing the decision is reputation."

"ABSTRAKTujuan dari penelitian ini adalah untuk mengetahui korelasi antara tingkatkesehatan bank umum syariah dengan CKPN. Cadangan Kerugian PenurunanNilai (CKPN) adalah penyisihan dari pembiayaan (aktiva produktif) yangdilakukan oleh bank. Penerapan kebijakan CKPN sebagai salah satu cara yangdiharapkan oleh pemerintah untuk membantu pihak bank untuk terhindar dariresiko kredit. Bank yang menjadi sampel dalam penelitian ini adalah bankkonvensional yang memiliki anak perusahaan bank umum syariah yaitu BankMega, Bank Bukopin, Bank Victoria, Bank Maybank, dan Bank Panin. Hasilpenelitian ini menunjukkan bahwa tidak terdapat perbedaan signifikan antarasebelum dan sesudah penerapan CKPN di Bank Syariah.

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ABSTRACTThe purpose of this study was to determine the correlation between bankingHealth measurement of sharia banks with Loan Loss Provision (LLP). LLP isthe allowance of financing (earning assets) made by bank. LLP policy isimplemented as a way expected by the government to help banks avoidingcredit risk. Banks, which were used as the samples in this study, wereconventional banks in which each has Sharia Banks as their subsidiaries asfollows Bank Mega, Bank Bukopin, Bank Victoria, Bank Maybank and BankPanin. The result of this study indicates that there is no significant differenceon the levels of Banking Health on those bank between before and afterimplementation of LLP."

"Bisnis pelayaran merupakan salah satu bisnis yang memerlukan dana besar. Dengan perjanjian line facility akad murabahah Bank Syariah X memberikan pembiayaan pembelian kapal kepada PT Y. Tesis ini membahas mengenai bagaimana ketentuan akad Murabahah dalam pemberian Line Facility Pembelian Kapal Tunda dan Tongkang pada Bank Syariah X berdasarkan Fatwa Dewan Syariah Nasional Nomor 45/DSN-MUI/II/2005 tentang Line Facility juncto Fatwa Dewan Syariah Nasional Nomor 04/DSN-MUI/IV/2000 tentang Murabahah, Kompilasi Hukum Ekonomi Syariah dan Peraturan Bank Indonesia Nomor 10/16/PBI/2008 tentang Pelaksanaan Prinsip Syariah dalam Kegiatan Penghimpunan Dana dan Penyaluran Dana serta Pelayanan Jasa Bank Syariah. Selain itu juga membahas mengenai peran dan tanggung jawab Notaris dalam perjanjian tersebut berdasarkan UUJN/UUJNP. Dengan penelitian yuridis normatif, penulis meneliti dokumen-dokumen terkait peristiwa hukum tersebut. Penulis menemukan fakta bahwa Bank membeli barang yang diperlukan nasabah dengan memberikan kuasa khusus kepada nasabah atas nama Bank. Walau demikian akad yang dibuat notaris adalah sah karena telah sesuai dengan ketiga peraturan tersebut di atas, meskipun belum sejalan dengan prinsip syariah yang termuat dalam kitab-kitab fiqih.

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The shipping business is one of those businesses that require huge funds. With murabaha line facility agreement Syariah Bank X provides financing of the ship to PT Y. This thesis describes how the provisions in the granting Murabaha Line Facility Agreement of tugboat and cargo vessel financing based on Fatwa No. 45/DSN-MUI/II/2005 on Line Facility in conjunction with Fatwa No. 04/DSN-MUI/IV/ 2000 on Murabaha, Kompilasi Hukum Ekonomi Syariah and Bank Indonesia Regulation Number:10/16/PBI/2008 regarding the implementation of Sharia in the Activity Fund Raising and Distribution Sharia Bank Services and Funds. It also discusses the roles and responsibilities of Notary in the agreement based on UUJN /UUJNP.

With normative juridical research, the authors examine the documents relating to such legal events. The authors found the fact that the Bank purchased the necessary goods by giving customers special authorization on behalf of the Bank. However, the contract made by a notary is legal because it is in accordance with the above three rules, although not in line with the principles of sharia contained in the books of fiqh."

"Pelaksanaan pembangunan jalan tol menggunakan pembiayaan sindikasi antara bank syariah bersama bank konvensional di Indonesia diperbolehkan tetapi modalnya tidak bisa dimasukkan kedalam satu rekening saja. Berdasarkan hal tersebut penulis membahas Pokok Permasalahan terdiri dari sisi proses pembiayaan sindikasi dari kasus dan peraturan perbankan yang berlaku, terutama mengenai pengaturan Bank Syariah sebagai Participant, kesesuaian hak dan kewajiban bank syariah sebagai participant, dan upaya bank syariah sebagai participant mengatasi kendala yang timbul. Penulis menggunakan metode penelitian yuridis normatif. Berdasarkan hasil penelitian dijelaskan bahwa pengaturan bank syariah sebagai bank anggota sebenarnya tidak diatur, bank syariah dapat saja bergabung asal pembiayaan tersebut tidak melewati Batas Maksimum Pemberian Pembiayaan dari POJK serta kerjasama dengan bank konvensional diatur dalam Fatwa DSN MUI No.91/DSN/MUI/IV/2014, pelaksanaan hak dan kewajiban pembiayaan sindikasi antara beberapa bank syariah dan bank konvensional telah sesuai berdasarkan praktek dalam pembiayaan sindikasi, dan dalam kendala-kendala yang timbul dapat diatasi dengan memaksimalkan komunikasi dengan sesama bank peserta, melaksanakan rapat antara bank-bank peserta, penyediaan uang oleh nasabah debitur, pembuatan Security Safe Agreement, dan apabila ada sengketa diselesaikan dengan Pengadilan Negeri. Saran dari skripsi ini adalah sebaiknya financial clause dalam perjanjian sudah diatur terlebih dahulu dan diperjanjikan sebelum penandatanganan perjanjian sindikasi.

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The implementation of toll road construction using syndicated financing between Islamic banks and conventional banks in Indonesia is permitted but the capital cannot be included in one account. Based on this matter, the author discusses the Principal Issues consisting of the syndicated financing process from the applicable banking cases and regulations, especially regarding the regulation of Islamic Banks as Participants, conformity of the rights and obligations of Islamic banks as participants, and the efforts of Islamic banks as participants to overcome the obstacles. The author uses a normative juridical research method. Based on the results of the study, it was explained that the regulation of Islamic banks as member banks was actually not regulated, Islamic banks could join as long as the financing did not exceed the Financing Provision of POJK and cooperation with conventional banks is more clearly regulated in Fatwa DSN MUI No.91/DSN/MUI/IV/2014, the implementation of syndicated financing rights and obligations between several Islamic banks and conventional banks is appropriate based on practices in syndicated financing, and in the obstacles that arise can be overcome by maximizing communication with fellow participating banks, conducting meetings between participating banks, providing money by debtor customers, making a Security Safe Agreement, and if there is a dispute resolved with the District Court. The suggestion of this thesis is that the financial clause in the agreement should have been arranged in advance and agreed before the signing of the syndication agreement."

"Untuk memastikan kepatuhan syariah di Bank Syariah, dibentuklah Dewan Pengawas Syariah (DPS). Dewan Pengawas Syariah dengan demikian memastikan bahwa mekanisme lembaga keuangan syariah, yang dalam konteks ini adalah bank syariah, diawasi dengan baik sesuai dengan prinsip syariah. Skripsi ini terutama akan membahas implementasi Peran dan Tanggung Jawab Hukum Dewan Pengawas Syariah (DPS) dalam Memastikan Kepatuhan Bank Terhadap Prinsip Syariah, dengan studi kasus PT Bank Syariah Indonesia (BSI) Tbk sebagai Bank Umum Syariah yang memiliki Dewan Pengawas Syariah dalam organ organisasi bank untuk mengawasi jalannya operasional bank sehari-hari dalam rangka prinsip syariah. Perumusan Masalahdalam tesis ini adalah bagaimana peran dan tanggung jawab hukum DPS dan bagaimana DPS dapat memastikan kepatuhan bank terhadap prinsip syariah. Bentuk penelitian yang penulis gunakan dalam skripsi ini adalah yuridis normatif, dimana penulis meneliti tentang peraturan perundang-undangan yang berlaku. Tipologi penelitian ini adalah deskriptif analitis. Jenis data yang digunakan dalam tugas akhir ini adalah data sekunder, yaitu dokumen perpustakaan yang didukung oleh data yang diperoleh melalui wawancara dengan narasumber terkait. Hasil dari penelitian ini dapat diketahui bahwa keberadaan Dewan Pengawas Syariah dalam Organ Bank Syariah memang penting dan diperlukan dalam memastikan kepatuhan syariah agar tidak terjadi praktik-praktik yang melanggar ketentuan syariah. Dalam arti memastikan bahwa penerapan konsep dan kontrak di bank telah memenuhi semua persyaratan yang berlaku. Skripsi ini menyarankan kepada Dewan Pengawas Syariah agar diberikan kesempatan untuk mengikuti pelatihan di di luar negeri untuk memperluas wawasan pengalaman dan ilmu. Agar bimbingannya efektif, anggota DPS harus dididik untuk menghadiri konferensi; ini akan memperluas cakrawala pengetahuan mereka tidak hanya tentang fiqh tetapi juga hukum positif dan praktik keuangan Indonesia. Selanjutnya Bagi bank syariah yang telah melakukan merger, dimungkinkan dibentuk anak perusahaan untuk menjamin seluruh pekerja dapat beroperasi dengan seefisien dan seefektif mungkin.

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To ensure sharia compliance in Sharia Banks, a Sharia Supervisory Board (DPS) was established. The Sharia Supervisory Board thus ensures that the mechanisms of Islamic financial institutions, which in this context are the sharia banks, are properly supervised in accordance with the sharia principles. This thesis will mainly discuss the implementation of the Roles and Legal Responsibilities of the Sharia Supervisory Board (DPS) in Ensuring Bank Compliance with Sharia Principles, with a case study of PT Bank Syariah Indonesia (BSI) Tbk as a Sharia Commercial Bank which has a Sharia Supervisory Board in the bank's organizational organs to oversee the daily operations of the bank in the context of sharia principles. The research questions in this thesis are how are the roles and legal responsibilities of the Sharia Supervisory Board and how can the sharia supervisory board ensure bank compliance with sharia principles. The form of research used by the author in this thesis is juridical normative, whereby the author researches on the applicable laws and regulations. The typology of this research is analytical descriptive. The type of data used in this thesis is secondary data, namely library documents supported by data obtained through interviews with relevant resource persons. The result of this research is that it can be seen that the presence of the Sharia Supervisory Board in the Organ of the Sharia Banks is indeed important and necessary in ensuring sharia compliance in order to avoid practices that violate sharia regulations. In the sense of ensuring that the implementation of concepts and contracts in the The bank complies with all applicable requirements. This thesis suggests that People on the Sharia Supervisory Board should be given the opportunity to attend training overseas or abroad to broaden their knowledge and experience perspectives. In order for his guidance to be effective, DPS members must be educated in order to attend conferences; this would widen their knowledge horizons not only of fiqh but also of Indonesian positive law and financial practice. Furthermore For sharia banks that have merged, it is advisable that subsidiary companies be formed to guarantee that all workers are able to operate in the most efficient and effective manner possible."