nep-isf New Economics Papers
on Islamic Finance
Issue of 2020‒02‒10
three papers chosen by

  1. Steady State and Efficiency Convergence Dynamics in Alternative Banking Systems: The Cases of Islamic and Community Banks By Marwan Izzeldin; Jill Johnes; Steven Ongena; Vasileios Pappas; Efthymios G. Tsionas
  2. Marketing Strategy For Increasing Sales Of Hijab Products In Titisari Collection SMEs By putro, wisnu
  3. Menakar Pengguna Internet Banking Di Indonesia (Studi Kasus Susenas 2018) By Ngasuko, Tri Achya

  1. By: Marwan Izzeldin (Lancaster University Management School); Jill Johnes (University of Huddersfield); Steven Ongena (University of Zurich - Department of Banking and Finance; Swiss Finance Institute; KU Leuven; Centre for Economic Policy Research (CEPR)); Vasileios Pappas (University of Kent, Kent Business School); Efthymios G. Tsionas (Lancaster University)
    Abstract: This paper compares the efficiency dynamics of Islamic and community banks relative to their conventional counterparts. We employ parametric and non-parametric methods to analyze: i) a cross-country panel of Islamic and conventional banks from 23 countries; and, ii) a panel of community and conventional banks from the US. Parametric methods find no significant differences between the steady states and convergence rates for Islamic and conventional banks, but reveal distinctive patterns between community and conventional banks. To identify factors pertaining to these observed differences, we subject both data sets to further analyses. For the cross-country panel, factors like financial depth, transparency, economic stability and banking concentration can explain the different steady state levels and convergence rates between Islamic and conventional banks across sample countries. For the US panel, efficiency and liquidity creation compete as objectives for conventional banks, while liquidity creation is not penalized in steady state efficiency terms among community banks. In addition, for these banks steady state efficiency is positively related with profitability and negatively with capitalization.
    Keywords: Efficiency convergence, Community banks, Conditional β-convergence, Islamic banks, Classification trees
    JEL: G21 F36 D24
    Date: 2019–09
  2. By: putro, wisnu
    Abstract: Titi Sari Collection is a SMEs that produces hijab products in Gresik more precisely on Jl. Raya Padangbandung No. 9 subdistrict Shaman Gresik district was established since 1978. About the price of hijab own the most expensive can reach Rp. 350.000 and the cheapest with a price of Rp. 10,000. Omzet earned per month can reach about Rp. 50,000,000. Titisari SMEs Promotion Collection on solid through word of mouth offerings, as time goes by the more modern business development, Titisari Collection sells online through social media accounts like Facebook. Given the benefits of SMEs Titisari collection is limited then the subject matter of this research is the right marketing strategy to increase sales of hijab products on SMEs Titisari Collection. This research use desciptive qualitative approach. Qualitative descriptive research method Technic data analysis is the process of selecting, simplifying, organizing data systematically and rationally in accordance with the purpose of research. Analysis technique to process data in this research using SWOT analysis. The result of the research shows that the alternative strategy that can be applied is Horizontal Diversification by adding new product but not the hijab such as hajj and umroh equipments for example zam-zam water with the aim of satisfying the same customer. New products that have different functionality but have the same purpose that is to meet the needs and satisfaction of people who are Islamic. And Benchmarking to measure the performance and results of cooperation with parameter parameters on the market or a reference as a competitor of SMEs in the field of convection.
    Date: 2017–11–25
  3. By: Ngasuko, Tri Achya
    Abstract: The government tries to increase financial inclusion by channeling various social assistance in non-cash, namely through bank accounts, but the results are still not encouraging. Penetration through the supply side, which is also an alternative, is to introduce the mechanism of banking products via the internet, or internet banking. Internet banking is believed to contribute more in increasing financial inclusion in Indonesia. Several studies with the case of Indonesia try to see the effect of demographic factors on a person's desire to use internet banking. However, it is still on a small sample scale. Using 2018 Susenas data, this paper will try to fill the knowledge gap about the extent of the use of internet banking by the Indonesian people on a broader scale, namely at the national level. Also, this paper tries to identify the demographics of internet banking users in Indonesia. This study uses secondary data from 2018 Susenas released by the Central Statistics Agency (BPS). The results of the study revealed that internet banking users by the adult community were still around 23.41%. Furthermore, using the logit model method, this study answers that demographic characteristics such as age, level of education, male gender, occupational status, and location of individuals in urban areas influence positively and significantly on individual decisions to use internet banking.
    Keywords: Financial Inclusion, Internet banking, Susenas 2018
    JEL: D14 G21 G28
    Date: 2019–12–01

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