伊斯兰教法公司治理和声誉对伊斯兰银行客户信任的影响(对BJB伊斯兰教法KCP Cimahi的调查)

Evita Nurul Rusady, G. Razati, S. Utami
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引用次数: 0

摘要

与西爪哇省的八个城市相比,西马希市的财富和存款排名最低,这证实了公众对伊斯兰银行的信任程度仍然很低。导致客户信心不高的另一个因素是伊斯兰教公司治理没有得到最大化,IRTI的研究结果表明,各国伊斯兰银行的GCG实施没有得到很好的实施,85%的伊斯兰教银行未能应用伊斯兰教原则。Sharia Corporate Governance (SCG)是Good Corporate Governance (GCG)和Sharia Compliance理论两种理论的结合体。伊斯兰银行SCG的实施基于六个原则,即透明、问责、问责、专业和公平以及执行合规伊斯兰教法。伊斯兰教公司治理(SCG)也可以被称为一种系统、法规和流程,用于在管理伊斯兰银行风险方面实现合规文化,并有效地监测、规范和鼓励其绩效,从而根据伊斯兰教原则为利益相关者创造长期可持续的附加价值。本研究旨在确定伊斯兰银行中SCG和声誉的应用对客户信任的影响。本研究中的人群是BJB Syariah KCP Cimahi的顾客。本研究的抽样方法为简单随机抽样,共210人。本研究采用的方法是解释法。数据分析采用多元线性回归方法。研究结果表明,伊斯兰教公司治理和声誉的实施同时影响客户信任,这将对增加伊斯兰银行的市场份额产生影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Sharia Corporate Governance and Reputation Effects on Customer Trust in Islamic Bank (Survey on BJB Syariah KCP Cimahi)
The city of Cimahi is ranked the lowest in wealth and deposits compared to eight cities in West Java Province and this is what confirms that the level of public trust in Islamic banks is still low. Another factor that causes low customer confidence is that the Sharia Corporate Governance has not been maximized, as evidenced by IRTI's research results showing that GCG implementation has not been implemented well in Islamic banks in various countries and failure to apply sharia principles to 85%. Sharia Corporate Governance (SCG) is a combination of two theories, namely Good Corporate Governance (GCG) and the theory of Sharia Compliance. The implementation of SCG in Islamic banks is based on six principles, namely transparency, accountability, accountability, professionalism and fairness and implementation of compliance shariah. Sharia Corporate Governance (SCG) can also be referred to as a system, regulation, and process used to realize a compliance culture in managing Islamic banking risk as well as monitoring, regulating and encouraging its performance efficiently so as to generate sustainable added value for stakeholders in the long term in accordance with sharia principles. This study aims to determine the effect of the application of SCG and reputation on customer trust in Islamic banks. The population in this study is the customer of BJB Syariah KCP Cimahi. The sampling technique in this study was simple random sampling with a sample of 210 respondents. The method used in this research is explanatory method. The data analysis technique used is multiple linear regression method. The results of the research designation that the implementation of Sharia Corporate Governance and reputation simultaneously affect customer trust and this will have an impact on increasing the market share of Islamic banks.
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