Hasan Mukhibad, Prabowo Yudo Jayanto, Ahmad Nurkhin


Abstrak: Menuju Bank Syariah yang Lebih Adil, Mungkinkah?

Tujuan Utama - Penelitian ini berupaya untuk menelaah apakah bank syariah telah memenuhi prinsip keadilan.

Metode – Penelitian ini menggunakan regresi data panel sebagai metode. Adapun sampel penelitian adalah 12 bank umum syariah dengan pengamatan selama 11 tahun (2009 sampai 2019).

Temuan Utama – Produk bagi hasil tabungan dan deposito syariah telah sesuai dengan prinsip keadilan. Selain itu, pengeluaran zakat bank telah sesuai dengan prinsip keadilan karena besarannya ditentukan berdasarkan pendapatan atau laba bank. Meskipun demikian, beberapa transaksi terkait remunerasi belum berjalan dengan prinsip keadilan.

Implikasi Teori dan Kebijakan – Regulator perlu mengevaluasi kinerja bank syariah berdasarkan prinsip keadilan. Selain itu, pihak manajemen bank dapat mengambil kebijakan yang mengarah pada pemenuhan prinsip keadilan, khususnya pada aspek penggajian dan tunjangan.

Kebaruan Penelitian - Penelitian ini merumuskan pengukuran prinsip keadilan pada bank syariah.


Abstract -  Towards a Fairer Islamic Bank, Is It Possible?

Main Purpose - This study seeks to examine whether Islamic banks have met the principles of justice as measured.

Method – This study uses panel data regression as a method. The research sample is 12 Islamic commercial banks with observations for 11 years (2009 to 2019).

Main Findings – Profit-sharing products for sharia savings and time deposits are by the principles of justice. In addition, the bank's zakat expenditure is by the principle of justice because the amount is determined based on the bank's income or profit. However, several transactions related to remuneration have not been carried out with the principle of justice.

Theory and Practical Implications – Regulators, need to evaluate the performance of Islamic banks based on the principles of justice. In addition, the bank's management can take policies that lead to the fulfillment of the principles of justice, especially in salary and benefits.

Novelty - This research formulates the measurement of the principle of justice in Islamic banks.


bank syariah; distribusi manfaat; keadilan; pendapatan

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