The purposes of this study are: First, to analyze the indications of moral hazard and adverse selection on Indonesian Islamic commercial banks. Second, to analyze the influence of moral hazard and adverse selection on the Non Performance Financing of Indonesian Islamic banks. This study uses Error Correction Model (ECM) as a tool of analaysis. The results show that the indications of moral hazard have a positive effect on the non-performing financing (NPF) in the short run. The indication of the presence of moral hazard occurs at the long run on GDP variable, and the allocation of Murabaha financing (RM) has a positive effect on the mudharabah (FM) profit and loss sharing. The test results also show that adverse selection that represented by the profit sharing rate (PSR) has a positive effect on the level of risk sharing toward non-performing financing (NPF) in the long run.

ASEAN Economic Community (AEC) of banking industry requires both Islamic and conventional banking to improve their efficiency because the competition in banking market industry will be more intense. Therefore, this study aims to identify the type of hyphotesis of industrial organization which exists in Islamic and conventional banks in order to investigate their readiness for AEC. The research sampling consists of 10 Islamic banks and 10 conventional banks from January 2009 to December 2016. To measure x-efficiency and scale efficiency, this research uses Data Envelopment Analysis (DEA). Meanwhile, the concentration is measured by Lerner index. The hypothesis is tested by using panel regression. The result shows SCP (Structure-Conduct-Performance) hypothesis is closely applied to Islamic and conventional banks because market concentration significantly influences profitability. RMP (Relative Market Power) hypothesis is also closely applied to Islamic and conventional banking, this indicates Indonesian banking has market power in determining prices and this condition makes the profit higher. RES (Relative Efficiency Structure) and SES (Scale Efficiency Structure) hypothesis do not exist in both conventional and Islamic banks because x-efficiency and scale efficiency do not affect profitability, concentration, and  market share simultaneously. Market power and efficiency researches are commonly conducted in conventional banking, however there are only a few research in Islamic banking area. The novelty of this study is the comparison between conventional and Islamic banking in the term of market structure and efficiency.

The purpose of this research is to analyze the influence of Third Party Fund, Non Performing Financing (NPF) and Financing Deposit to Ratio (FDR) toward Mark up margin and its implication to Murabahah Financing in BMT.. BMT study population is located in South Jakarta and Tangerang, which had stood at least 5 years and already have a good financial statements and according to standards that have been set. All sample was determined using convenience sampling, the samples were chosen based on the ease of obtaining data and not troublesome to measure and cooperative. This research used path analysis method with decomposition model. The result of substructure I indicate that Third Party Fund, Non Performing Financing (NPF) and Financing Deposit to Ratio (FDR) variabels have significantly effect to the Mark up margin. The result of substructure II indicate that Third Party Fund and Financing Deposit to Ratio (FDR) have significantly effect to the Murabahah Financing.DOI: 10.15408/sjie.v2i1.2371

This study will look further at how the effects or effects of career development and motivation on employee performance at the Dompet Dhuafa Free Health Institution (LKC). The problem that underlies why this research is conducted is because of employee dissatisfaction with the management of LKC Dompet Dhuafa related to the opportunity to get a job promotion so that it causes deviations in employee behaviour at his workplace. The method used in this research uses multiple linear analysis techniques. This multiple linear analysis is used to see or measure the extent of the influence of independent variables consisting of; career development and motivation, on the dependent variable represented by employee performance. In conducting its analysis, this study also uses SPSS 16.0 software with a total of 54 employees from the Dompet Dhuafa Free Health Institution (LKC). The results of this study indicate that career development has a significant influence on employee performance; this is indicated by the efficiency variable where career development has a positive influence of 0.383 and sig. 0,000 <0,10. Likewise important motivation for employee performance, this is indicated by efficiency variables where motivation has a positive effect of 0.212 and sig. 0.011 <0.10. This study also shows that the relationship between career development and motivation has a simultaneously significant influence on employee performance, based on the results of the test of determination of 0.573 or 57.3%, while other factors influence the remaining 42.7%. This also shows the results of the f test with the efficiency of career development and the motivation variable has a positive effect of 36,611 and a sig value of 0,000 <0,10.

The purpose of this study is to analyze the value of integration and Corporate Social Responsibility (CSR) activities as well as to review CSR practices in Sharia companies.This study uses qualitative analysis. The sources of data are obtained from the results of Sharia companies' CSR documents from 2000 to 2014, the annual report, the prospectus of Sharia companies, good corporate governance (GCG) reports and the notes of the financial statements. Thereafter, the data is supported by theories and results of previous studies, such as scientific journals, books and so forth.This study result shows that a more holistic multidisciplinary is not yet integrated, covering the aspects of philosophy and managerial perspectives that become the social responsibility of Sharia companies listed in the Indonesia Stock Exchange. This CSR practice in Sharia companies have not used the concept of CSR by the Islamic perspective. This study also shows that three important aspects of CSR do not correspond with each other, which includes environmental, social and economic responsibilities. Differences and similarities with the other academic community:this study refutes the results of Ketola (2008) who found the model of integrated or multidisciplinary CSR, which comprises of utilitarian/egoistic, duties/rights/justice and ethical value of the company to raise awareness of the psychological resilience in the activities of the company, in order to achieve environmental, social and economic responsibilities of company activities.