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"Dewan Pengawas Syariah (DPS) sebagai salah satu organ pengawas dalam institusi perbankan syariah mempunyai fungsi dan peranan yang sangat penting, terutama dalam pengawasan yang menyangkut prinsip syariah. Untuk mengoptimalkan pengawasannya, maka DPS perlu menerapkan prinsip Good Corporate Governance di dalam proses pengawasan dan pemeriksaannya. Penelitian ini dianalisis secara deskriptif analitis dengan menggunakan pendekatan yuridis normatif. Dari hasil analisa penelitian ini, ternyata pelaksanaan pengawasan DPS memberikan dampak postif kepada institusi syariah dan juga industri perbankan syariah.

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Sharia Supervisory Board is one of the most important elements in supervising sharia transactions at sharia institutions, especially to assure sharia principles. To perform this function, Sharia Supervisory Board must apply a good corporate governance principles in its supervisory process in order to optimize its functions. This study analyzed by descriptive analysis using a juridical normative approach. From the analysis of this study, the implementation of a good corporate governance principles in supervising sharia transactions at sharia institution make a positive impact to sharia institution itself and sharia banking industry."

"ABSTRAKPenelitian ini bertujuan untuk menganalisis hubungan antara mekanisme tata kelola perusahaan pada bank Syariah dengan sustainability practices. sampel penelitian ini adalah Bank Umum Syariah yang terdaftar pada Otoritas Jasa Keuangan pada tahun 2013-2016. Hasil pengujian menunjukkan bahwa efektivitas Dewan Pengawas Syariah dan ukuran perusahaan sebagai variabel kontrol berpengaruh positif terhadap sustainability practices. Adapun efektivitas dewan komisaris, efektivitas direksi dan profitability bank Syariah sebagai variabel kontrol tidak terbukti berpengaruh positif terhadap sustainability practices.

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ABSTRACTThis research investigate the effects of corporate governance mechanism in Islamic banks on sustainability practices in Indonesia. The sample of this research is all Islamic banks listed in Indonesia Financial Service Authority during period 2013 2016. The result shows that Sharia Supervisory effectiveness and corporate size total asset have possitive and significant effect on sustainability practices. however, Executive Board effectiveness, Non Executive Board effectiveness and profitability return on asset have no significant effect on sustainability practices"

"Penelitian ini bertujuan menganalisis pengaruh preferensi risiko dan Good Corporate Governance terhadap efisiensi biaya bank Syariah yang diukur dengan menggunakan Stochastic Frontier Approach. Sampel penelitian ini adalah 8 Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan pada tahun 2010-2014. Hasil pengujian menunjukkan bahwa solvabilitas (Equity to Asset Ratio) dan likuiditas (Cash to Asset Ratio) berpengaruh positif, sedangkan kualitas pembiayaan (Not Performing Financing), Good Corporate Governance, dan jumlah anggota dari masing-masing Dewan Komisaris, Direksi dan Dewan Pengawas Syariah tidak berpengaruh signifikan terhadap efisiensi bank Syariah di Indonesia.

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This research investigates the effects of risk preferences and good corporate governance on cost efficiency of Islamic Banks listed on Indonesia Financial Service Authority during the period 2010-2014. The cost efficiency score is measured by Stochastic Frontier Approach. The result shows that solvability (equity to asset ratio) and liquidity (cash to asset ratio) have positive and significant effects on efficiency of the banks. However, financing quality (not performing financing), good corporate governance, and member of Executive Boards, Non Executive Boards, and Sharia Supervisory Boards have no significant effect on cost efficiency of the banks."

"Good corporate governance on Islamic banking is one of the important pillars that must be created to overcome the distrust among stakeholders. This paper aims at describing the concept of corporate governance in Islamic perspective and its application to Islamic banking. The method of analysis in this paper uses descriptive and qualitative analysis through the study of same literatures related to concepts, theoretical and frameworks of corporate governance between western models (Anglo-Saxon model and European model) and Islamic model. The basic concept that is used to formulate the corporate governance in Islamic perspective is tawhid and based on the paradigm of stakeholding. The corporate governance in Islamic approach is more oriented in the value of honesty and fairness to all stakeholders. The concept of Islamic corporate governance emphasizes on three main aspects, namely, accountability, transparency and trust. Related to accountability, the roles of the sharia supervisory board (SSB) and the internal control of banking system are necessary to ensure that Islamic banking practices remain based on Islamic principles. Transparency in Islamic banking is a form risk management practice accurately and timely. In addition, between the Islamic bank and the customer must have a high sense of trust."

"Penelitian ini bertujuan untuk menganalisis implementasi Manajemen Operasional Bank yang merupakan salah satu faktor internal corporate governance pada lembaga keuangan syariah khususnya perbankan syariah yang ada di Indonesia. Penelitian ini dilakukan dengan metode wawancara. Dari hasil penelitian, ditemukan bahwa Bank Muamalat Cabang Pembantu Universitas Indonesia telah menerapkan Manajemen Risiko dan Sistem Kontrol Internal yang efektif untuk menunjang terwujudnya good corporate governance.

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This study aims to analyze the implementation of Bank Operational Management which is one of the internal factors of corporate governance in Islamic financial institutions in Indonesia. This research was conducted by interview. This research found that the Muamalat Bank Branch in University of Indonesia has implemented a Risk Management and effective Internal Control System to support the establishment of good corporate governance."

"Sejak tanggal 29 Februari 2012, Bank Indonesia memperketat aturan mengenai gadai emas syariah di Bank Syariah dan UUS dengan merilis Surat Edaran Bank Indonesia No. 14/7/DPbS mengenai Produk Qardh Beragun Emas bagi Bank Syariah dan UUS. BNI Syariah adalah salah satu Bank yang telah menyediakan produk gadai emas sebelum Surat Edaran Bank Indonesia No. 14/7/DPbS dikeluarkan. Akibatnya, BNI Syariah wajib menyesuaikan produk gadai emasnya dengan ketentuan yang diatur dalam Surat Edaran Bank Indonesia tersebut. Pokok permasalahan dalam skripsi ini adalah bagaimana pengaturan pelaksanaan gadai emas di Bank Syariah berdasarkan Surat Edaran Bank Indonesia No. 14/7/DPbS dan apakah pelaksanaan gadai emas di BNI Syariah Cabang Bogor telah sesuai dengan Surat Edaran Bank Indonesia No. 14/7/DPbS. Penelitian ini menggunakan metode penelitian hukum empiris dengan tipe penelitian deskriptif evaluatif yang memberikan gambaran dan penilaian atas pelaksanaan gadai emas di BNI Syariah Cabang Bogor setelah dikeluarkannya Surat Edaran Bank Indonesia No. 14/7/DPbS. Berdasarkan penelitian ini dapat disimpulkan bahwa pelaksanaan gadai emas di BNI Syariah Cabang Bogor masih ada yang belum sesuai dengan ketentuan Surat Edaran Bank Indonesia No. 14/7/DPbS, yaitu dalam hal penggolongan nasabah dan biaya tutup.

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Since 29th February 2012, Bank Indonesia tightened the regulations of sharia gold pawning system in sharia banks and sharia based business units by issuing the Circular Letter of Bank Indonesia No. 14/7/DPbS in regard to Qardh Product with Gold Collateral for Sharia Banks and Sharia Based Business Units. BNI Syariah is one of the banks that had gold pawning product before the Circular Letter issued. As a result, BNI Syariah had compulsed to adjust its gold pawning product to the regulations. Main problems in this thesis are how the Circular Letter regulates gold pawning product and whether implementation of gold pawning product at BNI Syariah Branch Office Bogor has been in accordance with the Circular Letter or not. The research used empirical legal research method with evaluative descriptive research type that give a description and evaluation of gold pawning implementation at BNI Syariah Branch Office Bogor after the Circular Letter issued. Based on this research, it is concluded that the implementation of gold pawning at BNI Syariah Branch Office Bogor still has not approriate with the regulations concerning categoration of customers and closure fee."

"Kepatuhan syariah bagi bank syariah mutlak diperlukan sebagai bentuk jaminan bahwa setiap bank syariah mengelola dana masyarakat dan menjalankan kegiatan usaha tidak bertentangan dengan prinsip syariah. DPS bertanggung jawab untuk memastikan semua produk dan prosedur bank syariah sesuai dengan prinsip syariah. Posisi DPS dalam struktur Bank Syariah adalah termasuk dalam kelompok Pihak Terafiliasi yaitu dimasukkan dalam kategori unsur pihak yang memberikan jasa pada bank bersama dengan pihak pemberi jasa lain seperti akuntan publik, penilai, maupun konsultan hukum. DPS dalam melakukan pengawasan kepatuhan syariah dilakukan dengan cara melakukan pengawasan terhadap proses pengembangan produk baru bank dan melakukan pengawasan terhadap kegiatan bank. Laporan hasil pengawasan DPS mengikat secara hukum bagi bank syariah. Oleh karena itu bila ada temuan pelanggaran syariah maka Direksi dan Komisaris dari bank syariah harus menindak lanjuti hasil temuan tersebut. Bila Direksi dan komisaris tidak menindak lanjuti hasil temuan DPS, maka DPS dapat melaporkan ke lembaga terkait agar bank syariah itu dijatuhi sanksi.

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Shariah compliance for Islamic banks is absolutely necessary as a form of guarantee that any Islamic bank managing public funds and run a business activity does not conflict with Islamic principles. DPS is responsible for ensuring all products and procedures of Islamic banks in accordance with Islamic principles. DPS position in the structure of Bank Syariah is included in a group of affiliated parties are included in the category of the elements that provide services to the bank along with the other service providers such as public accountants, appraisers, as well as legal consultant. DPS activities in monitoring sharia compliance are done monitoring the process of new product development bank and to supervise the activities of the bank. DPS monitoring report is legally binding for Islamic banks. Therefore, if there are findings of violations of sharia, the Board of Directors and Commissioners of Islamic banks should follow up these findings. When the Board of Directors and the commissioner did not follow up that, the DPS may report the Bank to the relevant institutions for punishment."

"Latar belakang dari penelitian yuridis normatif ini adalah kewajiban spin-off yang seharusnya berlaku di tahun 2023 nanti menimbulkan problematika dan diskusi baru dari para pemangku kepentingan di sektor finansial seperti Otoritas Jasa Keuangan (OJK). Ada sebuah anggapan bahwa Unit Usaha Syariah tidak harus diwajibkan melakukan spin-off, melainkan hanya bersifat sukarela sesuai dengan kapasitas masing-masing. Sehingga, penelitian ini bertujuan untuk mencari tahu bagaimana peraturan-peraturan yang mengatur serta dampak berupa peluang dan tantangan apa saja yang mungkin ditimbulkan dari kewajiban spin-off Unit Usaha Syariah (UUS) dari induknya yang merupakan Bank Umum Konvensional (BUK), sebagaimana diwajibkan oleh Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah. Hal ini tidak terlepas dari beberapa keterbasan yang ada seperti Capital Adequacy Ratio, Core Capital, dan juga kesiapan dari Sumber Daya Manusia. Selain itu, tantangan dari sisi operasional maupun teknis juga disampaikan oleh beberapa narasumber yang dimintai pendapat seperti yang berasal dari Deputi Direktur Otoritas Jasa Keuangan hingga petinggi-petinggi Bank Konvensional (UUS PT. Bank DKI) maupun Bank Syariah (PT. Bank BSI) serta MES. Adapun penelitian ini menghasilkan beberapa saran dan skema alternatif agar apapun peraturan yang akan diambil nanti oleh pihak otoritas, baik spin-off yang bersifat wajib maupun sukarela, Unit Usaha Syariah dapat melaksanakannya dengan lancar. Setidaknya terdapat empat skema alternatif yaitu; spin-off murni, penggabungan, akuisisi dan konversi, dan konversi.

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The background of this normative juridical research is that the spin-off obligation which should take effect in 2023 will cause new problems and discussions from stakeholders in the financial sector such as the Financial Services Authority (FSA). There is an assumption that Sharia Business Units (SBU) should not be required to carry out spin-offs, but only voluntarily according to their respective capacities. Thus, this study aims to find out how are the regulations and the impacts in the form of opportunities and challenges that may arise from the spin-off obligation of the Sharia Business Unit (SBU) from its parent bank which is a Conventional Commercial Bank (CCB), as required by Law Number 21 of 2008 concerning Sharia Banking. This is inseparable from several existing constraints such as the Capital Adequacy Ratio, Core Capital, and also the readiness of Human Resources. In addition, challenges from the operational and technical side were also conveyed by several interviewees who were asked for opinions such as those from the Deputy Director of the Financial Services Authority to high-ranking officials of a Conventional Bank (SBU of PT. Bank DKI) as well as a Sharia Bank (PT. Bank BSI) and MES. This research produces several suggestions and alternative schemes so that whatever regulations will be taken later by the authorities, whether it will still be mandatory or will change into voluntary regarding the implementation of spin-off, Sharia Business Units can implement them smoothly. There are at least four alternative schemes, namely; pure spin-off, merger, acquisition and conversion, and conversion."

"Penelitian ini bertujuan memberikan bukti empiris terhadap faktor yang mempengaruhi penerapan strategi edukasi, pengaruh ketidaksesuaian misfit strategi edukasi terhadap kinerja, serta peran efektivitas dewan komisaris dan dewan pengawas syariah dalam mengurangi dampak misfit terhadap kinerja bank syariah. Penelitian ini adalah penelitian kuantitatif dengan data panel pooled least square selama tahun 2007-2014 pada seluruh bank umum syariah di Indonesia. Hasil pengujian menunjukkan faktor yang mempengaruhi implementasi strategi edukasi adalah kompetensi organisasi dan tenure CEO. Efektivitas dewan komisaris dan dewan pengawas syariah terbukti berpengaruh positif dan mampu mengurangi dampak misfit terhadap kinerja bank syariah.

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This study aim to provides empirical evidence on factors affecting educational strategies rsquo implementation, the misfit rsquo s impact, and also the boards of commissioners BoC and sharia supervisory boards SSB effectiveness rsquo role to reduce misfit rsquo s impact on perfomance. This research is quantitative panel data pooled least square research in Indonesia rsquo s Islamic bank 2007 2014 periods. The test results prove that factors affecting educational strategies rsquo implementation are the organizational competencies and tenure CEO. The BoC and SSB effectiveness rsquo have a positive impact on the performance. Misfit has a negative effect and BoC and SSB effectiveness rsquo prove to reduce the misfit rsquo s negative impact on performance."