Korespondensi iqtishadia jurnal sinta 2: Islamic Prudential Banking Concept to Reduce Non Performing Financing

Dr. Binti Nur Asiyah, S.Pd.I., M.Si., 198008112011012007 and M. Ridlwan Nasir, - and Muhamad Ahsan, - (2019) Korespondensi iqtishadia jurnal sinta 2: Islamic Prudential Banking Concept to Reduce Non Performing Financing. Iqtishadia, Kudus.

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Abstract

This paper aims to develop the concept of prudential banking based on principles to minimize non-performing financing in Indonesia. This desk research was based on many relevant studies advanced in the literature. The review was particularly focus on Sharia Banking Law, Indonesian Banking Regulations, and Financial Services Authority Regulations. A secondary data published by the Indonesian Central Bank on Shariah Banking Statistics for 2014-2018 was used to sharpen the analysis. In addition, many previous studies on Sharia Banking conducted in other countries (e.g. Malaysia, Pakistan and other European countries) were discussed in order to widen the importance of shariah banking in those countries. The findings of this study include as follows. First, the development of the concept of Islamic prudential banking in the operations of Islamic banks need to give attention towards business risk and the certainty of the implementation of Islamic principles. Second, the operational of Islamic banks need to consider the important of sharia human resources, sharia product, shariah process (marketing, management, and standard operational procedure (SOP)) as well. The Practical implication is that Islamic prudential banking should be implemented in accordance with the Islamic concept in its operations so that it is truly able to minimize non performing financing.This study can also be used for policy instruments to improve Islamic Prudential Banking in Indonesia which is not yet available.Also, it can be implemented by other stakeholders of Islamic Banking. The social implication of this study to increase work motivation and raises honesty in work, in accordance with the objectives of Islamic banks. Keywords: Islamic prudential banking, Non performing financing.

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