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All Journal Economica: Jurnal Ekonomi Islam Fokus Ekonomi Jurnal Ilmiah ASET Journal of Indonesian Economy and Business
Fauzi, Muchamad
Universitas Islam Negeri (UIN) Walisongo Semarang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Faktor-Faktor yang Berpengaruh Terhadap Keinginan Migrasi Nasabah Bank Syariah di Semarang Fauzi, Muchamad
Jurnal Ilmiah Aset Vol 11 No 1 (2009): Jurnal ASET Volume 11 No 1
Publisher : STIE Widya Manggala

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

A study of consumers’ intention to migrate from conventional bank to syariah bank has been examined in the early researches, but they show inconsistent result. Based on this inconsistency, this research tries to examine the influence of service quality, managerial performance, costumer satisfication and company’s reputation to the costumers’s intention to migrate from conventional to syariah bank in Semarang. Empirically, the research aims to obtain evidence of service quality, managerial performance, costumer satification and company’s reputation to the costumers’s intention to migrate. The population was all costumers of syariah bank in Semarang. The sampling technique was purposive sampling. The result show that service quality, managerial performance, costumer satification, and company’s reputation both partially and simultaneouslu have significant influence to the costumers’ intention to migrate from conventional bank to syariah bank proved by t value an F value.
Determinant Market Power of Sharia Banking in Indonesia Fauzi, Muchamad
Economica: Jurnal Ekonomi Islam Vol 11, No 2 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.2.4374

Abstract

Abstract: This study aims to analyze the level of market power and determinants of Sharia banking in Indonesia, using the Bresnahan-Lau model approach. This study is explanatory research using a quantitative approach. The data used are secondary, including one dependent variable, namely Market Power (MP), with five independent variables, namely Equivalent Rate (ER), 3-month Bank Indonesia Syariah Certificates (SBIS3), Number of Branches (CAB), Gross Domestic Product (GDP) ), Inflation (INF), and one control variable that is the historical aspect (MPt-1) by using time series data on the annual financial statements of Bank Syariah Mega Indonesia (BSMI), Bank Syariah Mandiri (BSM), Bank Muamalat Indonesia (BMI). The results show market power in the Sharia banking industry in Indonesia, with a significance level of ER and GDP interaction testing of 0,000.Abstrak: Penelitian ini bertujuan untuk menganalisis tingkat market power serta determinan market power perbankan syariah di Indonesia, dengan menggunakan pendekatan Bresnahan-Lau model. Penelitian ini merupakan penelitian explanatory research menggunakan pendekatan kuantitatif. Sumber data yang digunakan adalah data sekunder, meliputi satu variabel tergantung yaitu Market Power (MP), dengan lima variabel bebas yaitu Equivalent Rate (ER), Surat Berharga Indonesia Syariah 3bulan (SBIS3), Jumlah Cabang (CAB), Produk Domestik Bruto (PDB), Inflasi (INF), serta 1 variabel kontrol yaitu aspek historis (MPt-1). menggunakan data time series laporan keuangan tahunan Bank Syariah Mega Indonesia (BSMI), Bank Syariah Mandiri (BSM), Bank Muamalat Indonesia (BMI). Hasilnya menunjukkan bahwa terdapat market power pada industri syariah banking yang berkedudukan di Indonesia dengan tingkat signifikansi pengujian interaksi ER dan PDB sebesar 0,000. 
Determinant Market Power of Sharia Banking in Indonesia Muchamad Fauzi
Economica: Jurnal Ekonomi Islam Vol 11, No 2 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.2.4374

Abstract

Abstract: This study aims to analyze the level of market power and determinants of Sharia banking in Indonesia, using the Bresnahan-Lau model approach. This study is explanatory research using a quantitative approach. The data used are secondary, including one dependent variable, namely Market Power (MP), with five independent variables, namely Equivalent Rate (ER), 3-month Bank Indonesia Syariah Certificates (SBIS3), Number of Branches (CAB), Gross Domestic Product (GDP) ), Inflation (INF), and one control variable that is the historical aspect (MPt-1) by using time series data on the annual financial statements of Bank Syariah Mega Indonesia (BSMI), Bank Syariah Mandiri (BSM), Bank Muamalat Indonesia (BMI). The results show market power in the Sharia banking industry in Indonesia, with a significance level of ER and GDP interaction testing of 0,000.Abstrak: Penelitian ini bertujuan untuk menganalisis tingkat market power serta determinan market power perbankan syariah di Indonesia, dengan menggunakan pendekatan Bresnahan-Lau model. Penelitian ini merupakan penelitian explanatory research menggunakan pendekatan kuantitatif. Sumber data yang digunakan adalah data sekunder, meliputi satu variabel tergantung yaitu Market Power (MP), dengan lima variabel bebas yaitu Equivalent Rate (ER), Surat Berharga Indonesia Syariah 3bulan (SBIS3), Jumlah Cabang (CAB), Produk Domestik Bruto (PDB), Inflasi (INF), serta 1 variabel kontrol yaitu aspek historis (MPt-1). menggunakan data time series laporan keuangan tahunan Bank Syariah Mega Indonesia (BSMI), Bank Syariah Mandiri (BSM), Bank Muamalat Indonesia (BMI). Hasilnya menunjukkan bahwa terdapat market power pada industri syariah banking yang berkedudukan di Indonesia dengan tingkat signifikansi pengujian interaksi ER dan PDB sebesar 0,000. 
ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DENGAN MENGGUNAKAN INCOME STATEMENT APPROACH DAN VALUE ADDED APPROACH Muchamad Fauzi
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 7, No 2: Desember 2012
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.7.2.%p

Abstract

This study was to assess the financial performance of Islamic banking if calculated with the income approach and the value-added and to obtain empirical evidence on differences in the financial performance of Islamic banking which is calculated by the value-added approach and views of ROA, ROE, the ratio between the total net income with total earning assets, NPM and ROA. The type of research is quantitative, its population is Islamic Bank’s financial statements which are prepared in the form of annual consist of a balance sheet, income statement, statement of quality aktiva productive, and notes to the consolidated financial statements using the sample period from 2003 - 2010, use the analysis descriptive statistics and different test of t-test. The results of this research are: 1) the financial performance represented by ROA, ROE, the ratio of net income to earning assets, and NPM in 2003-2010 showed the income statement approach and Value added approach, there are significant differences. Although quantitatively the amount of the four ratios approach the income statement under Value added approach. 2) financial performance represented ROA ratio in 2003-2010 showed the income statement approach and Value added approach there is no significant difference. This is because the operating income and operating expenses Value added approach is still treated as the income statement approach. 3) The overall rate of Islamic banking profitability as measured by using the income statement approach and Value added approach have significant differences. According to the research results obtained by the ratio of the amount of income statement approach is lower than the Value added approach 4) There is a difference between the income statement approach and Value added approach, the VAA prefer the principle of fairness in the distribution of added value to the owners of capital, employees, creditors, and government. Thus, in this study were obtained value (profit) is higher compared to the profit obtained under the income statement approach.
Faktor-Faktor yang Berpengaruh Terhadap Keinginan Migrasi Nasabah Bank Syariah di Semarang Muchamad Fauzi
Jurnal Ilmiah Aset Vol 11 No 1 (2009): Jurnal ASET Volume 11 No 1
Publisher : STIE Widya Manggala

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

A study of consumers’ intention to migrate from conventional bank to syariah bank has been examined in the early researches, but they show inconsistent result. Based on this inconsistency, this research tries to examine the influence of service quality, managerial performance, costumer satisfication and company’s reputation to the costumers’s intention to migrate from conventional to syariah bank in Semarang. Empirically, the research aims to obtain evidence of service quality, managerial performance, costumer satification and company’s reputation to the costumers’s intention to migrate. The population was all costumers of syariah bank in Semarang. The sampling technique was purposive sampling. The result show that service quality, managerial performance, costumer satification, and company’s reputation both partially and simultaneouslu have significant influence to the costumers’ intention to migrate from conventional bank to syariah bank proved by t value an F value.
Are There Financial Sacrifices in Ethical Investing? A Comparative Study of Indonesia and Malaysia Amalia, Farah; Ismail, Shafinar; Fauzi, Muchamad; Mohd Nor, Amirudin
Journal of Indonesian Economy and Business Vol 40 No 3 (2025): September
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/jieb.v40i3.11007

Abstract

Introduction/Main Objectives: Ethical investment in Southeast Asia is gaining traction, particularly in countries like Indonesia and Malaysia. This research aims to measure the performance of ethical investments and compare them with their opposite category, sin stocks. Investors should avoid sin stocks because they operate in controversial areas and go against ethical investment principles. Background Problems: Previous research conducted in developed countries shows that ethical investments are inferior to sin stocks, thus investors suffer financial sacrifices. Novelty: A comprehensive ethical investment instrument that involves sustainability and religion-based investments. Formation of sin stock portfolios in two Muslim countries. Research Methods: A volatility analysis and a descriptive analysis were carried out to provide a comprehensive picture of the performance of ethical and sin stocks. The analysis continues by comparing and explaining why and how the results occurred. Finding/Results: Ethical stock returns underperformed sin stocks in Malaysia, and ethical stocks outperformed sin stocks in Indonesia. This exciting result can be explained by the differences in screening criteria, perceptions, and regulations in these two neighboring countries. Conclusion: There are no financial sacrifices in ethical investing in Indonesia, so ethical investors do not need to hesitate. They are advised to invest ethically because they achieve two goals at once. Meanwhile, Malaysian ethical investors must be prudent and careful in investing to continue achieving social goals and mitigating losses.
Co-Authors Amalia, Farah Ismail, Shafinar Mohd Nor, Amirudin