Competition and Financial Effects between Islamic and Conventional Banking

Mawardi, Wisnu; Mahfudz, Mahfudz; Laksana, Rio Dhani; Shaferi, Intan

doi:10.37394/23207.2020.17.12

Cited by 10 publications

(5 citation statements)

References 51 publications

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“…The research concluded that marketing methods based on the floating markets by targeting floating market share could increase the competitiveness of Islamic banks. The following study was conducted by mentioning that the target market of rational and non-Muslims while maintaining attention to Muslims as the main spiritual basis, can increase the competitiveness of Islamic banks (Mawardi et al 2020;Cupian and Abduh 2017).…”

Section: T-test Results (Hypothesis Test)mentioning

confidence: 99%

“…The average competitiveness of banks is lower than the level of competition in the banking market. His research specifically seeks to determine whether the competitiveness of Islamic banks is significantly higher or lower than that of conventional banks (Louati, Louhichi, and Boujelbene 2016;Sukardi and Wijaya 2013;Ishak 2019;Ben Bouheni and Ammi 2015;Mawardi et al 2020).…”

Section: Competitivenessmentioning

confidence: 99%

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How Does Strengthening Islamic Banking Competitiveness? Indonesia Evidence

M.S.I¹,

Riyadi²

2022

JPSDa

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The quality of service provided depends on the ability of service providers to meetcustomers’ expectations. This study aims to determine the impact of Islamic servicequality and floating market methods on the competitiveness of Islamic banks. Thisstudy used quantitative methods with non-probability sampling techniques, usingpurposive sampling techniques. The study population was BTN Syariah customers.The data acquisition was made by spreading questionnaires to customers. Informationgleaned from specific considerations tailored to the research’s purpose or problemand data analysed by multiple linear regression techniques. The results showed thatIslamic service quality affects the competitiveness of Islamic banks, and marketingmethods based on the floating market affect the competitiveness. The study improvedBTN Syariah Indonesia’s competitiveness in Islamic service quality and marketingmethods based on the floating market. This research helps banks recognise the pointsand strategies for strengthening Islamic banks’ competitiveness and generatingpositive experiences to gain customer loyalty with the proper approach, namelyIslamic service quality and marketing strategies with floating market methods.

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Section: T-test Results (Hypothesis Test)mentioning

confidence: 99%

Section: Competitivenessmentioning

confidence: 99%

How Does Strengthening Islamic Banking Competitiveness? Indonesia Evidence

M.S.I¹,

Riyadi²

2022

JPSDa

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“…The work [9] reveals interesting theoretical models that describe the work of the bank as an institution of delegated monitoring. One of them is based on the following preconditions.…”

Section: Resultsmentioning

confidence: 99%

“…Effective management of banking concerns the operational efficiency of the bank can be considered in many aspects [9].…”

Section: Theoretical Backgroundmentioning

confidence: 99%

Modeling the Behavior of Banks in Instability Conditions

Burtnyak

Malytska

2021

jpnu

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The analysis of models of activity of banking structures in the conditions of perfect and imperfect competition is carried out. Production functions for financial companies are considered. Models of the bank's work as an institution of delegated monitoring are described. Models of dynamics of financial resources are analyzed, allow to describe processes of evolution of own capital of bank depending on dynamics of the involved resources and the policy of accumulation realized by it. The considered models and methods are based on the definition of a bank (a financial company) as some abstract object, which is characterized by input and output parameters, as well as the function that connects them. This approach to some extent allows adapting traditional models of research of industrial enterprises and organizations to the analysis of the activities of banking structures. Therefore, one of the main tasks is to optimize internal functioning. Under such conditions, it is especially important to consider the bank as a holistic complex dynamic system operating in an unstable transition economy and the use of economic and mathematical methods and models to study the processes taking place in the bank, assess its effectiveness, identify areas and ways to improve management banking activities. Based on the analysis of the main economic and mathematical models of behavior of financial companies in a monopolistic market, we can conclude that each model characterizes a certain aspect of financial market development by the situation. Production functions for a bank (financial firm) are built, where the problem of classification of these factors into input and output is significant. A wide class of economic and mathematical models is considered, in which the activity of financial and banking institutions is treated as financial intermediaries. The theory of delegated monitoring is generalized, which in the general case assumes that in conditions when there is an effect of the growth of income from scale, individual lenders prefer to delegate functions of control (monitoring) of the behavior of entrepreneurs in whose projects they have invested to special intermediary firms. banks. The analysis of the development of the banking sector of Ukraine showed that a further gradual slowdown in its pace is expected due to changes in conditions in global financial markets and market saturation.

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“…Islamic banks are a type of banking known for applying Sharia principles and not charging usury (Billah et al, 2024). It has become the basis for most Muslims in Indonesia to do all things, especially in making transactions based on Islamic principles (Bakry et al, 2021;Mawardi et al, 2020). However, the Islamic banking market is still tiny despite the majority of Indonesia's population being Muslim.…”

Section: Introductionmentioning

confidence: 99%

Religiosity, Knowledge, and Satisfaction on Students' Saving Decisions: A Moderating Effect of Interest in Islamic Banks

Aunika,

Sukardi,

Adib Susilo

2024

JIPSYA

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This study aims to determine the effect of religiosity, knowledge, and satisfaction on saving decisions in Islamic banks with interest as an intervening variable with a case study of Greater Solo students. This study employed quantitative methods using primary data. The sampling technique used was simple random sampling. Data collection was done by distributing questionnaires via Google Forms. The sample size was 200 students from Solo Raya. This study used the SMART-PLS analysis tool with the Partial Least Square Structure Equation Model (PLS-SEM) analysis model. The results of SEM-PLS research prove that religiosity and satisfaction significantly affect interest in saving in Islamic banks. Knowledge has no significant effect on interest in saving in Islamic banks. Interest, religiosity, and satisfaction significantly affect saving decisions at Islamic banks. Interest has a significant effect in mediating religiosity and satisfaction on saving decisions at Islamic banks. Meanwhile, interest does not affect the mediating effect of knowledge on saving decisions in Islamic banks. The research has implications for proving the low level of student knowledge regarding sharia financial literacy, by encouraging student awareness regarding sharia financial literacy in sharia financial practices. Increasing sharia financial literacy will contribute to improving the sharia economy.

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Competition and Financial Effects between Islamic and Conventional Banking

Cited by 10 publications

References 51 publications

How Does Strengthening Islamic Banking Competitiveness? Indonesia Evidence

How Does Strengthening Islamic Banking Competitiveness? Indonesia Evidence

Modeling the Behavior of Banks in Instability Conditions

Religiosity, Knowledge, and Satisfaction on Students' Saving Decisions: A Moderating Effect of Interest in Islamic Banks

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