nep-isf New Economics Papers
on Islamic Finance
Issue of 2022‒07‒25
two papers chosen by



  1. KONSEP SYARIAH DALAM PENGEMBANGAN PRODUK PERBANKAN By putri, Aulia ananda; Ramadani, Ainun
  2. The business response to Covid-19: the CEP-CBI survey on technology adoption By Capucine Riom; Anna Valero

  1. By: putri, Aulia ananda; Ramadani, Ainun
    Abstract: Perbankan adalah lembaga yang mempunyai peran utama dalam pembangunan suatu negara. Peran ini terwujud dalam fungsi bank sebagai lembaga intermediasi keuangan (financial intermediary instution), yakni menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya kepada masyarakat taraf hidup rakyat. Perbankan syariah merupakan institusi yang memberikan layanan jasa perbankan berdasarkan prinsip syariah. Prinsip syariah adalah prinsip hukum Islam dalam kegiatan perbankan berdasarkan fatwa di bidang syariah. Prinsip ini menggantikan prinsip bunga yang terdapat dalam sistem perbankan konvensional. Prinsip syariah adalah aturan perjanjian berdasarkan hukum Islam antara bank dan pihak lain untuk menyimpan dana atau pembiayaan suatu usaha atau kegiatan lainnya yang dinyatakan sesuai dengan syariah, antara lain, produk pembiayaan berdasarkan prinsip syariah bagi hasil, pembiayaan berdasarkan prinsip penyertaan modal, prinsip jual beli barang dengan memperoleh keuntungan atau pembiayaan barang modal berdasarkan prinsip sewa murni tanpa pilihan. Lantas bagaimana konsep syariah pada perkembangan produk perbankan tersebut. Berdasarkan uraian diatas, maka penulis tertarik untuk membahas mengenai ekonomi makro dan mikro dengan judul “Konsep Syariah Dalam Pengembangan Produk Perbankan”.
    Date: 2022–05–14
    URL: http://d.repec.org/n?u=RePEc:osf:osfxxx:4f3nw&r=
  2. By: Capucine Riom; Anna Valero
    Abstract: We present new data from a survey of 375 UK businesses conducted in July 2020 in partnership with the Confederation of British Industry (CBI), which seeks to understand the way in which firms have innovated in response to the crisis. We find that the pandemic has caused enormous business disruption, which has prompted many firms to focus on innovation. Over 60% of firms report that they have adopted new technologies or management practices since the onset of the pandemic, while a third have invested in new digital capabilities. We find similar patterns in terms of the introduction of new products or services. We describe how these responses differ across types of businesses and find that previous technology adoption is a strong predictor of a rapid innovation response to the crisis, even after controlling for other factors. Nearly all firms report that they expect the adoption of new technologies or practices to be permanent and to have a positive impact on firm performance. We will test these predictions with a follow-up survey one year on.
    Keywords: Covid-19, business performance, innovation, CBI, UK
    Date: 2020–09–30
    URL: http://d.repec.org/n?u=RePEc:cep:cepcvd:cepcovid-19-009&r=

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