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All Journal MUQTASID At-Taqaddum JOIV : International Journal on Informatics Visualization IJBE (Integrated Journal of Business and Economics) Perisai : Islamic Banking and Finance Journal Shirkah: Journal of Economics and Business Ihtifaz: Journal of Islamic Economics, Finance, and Banking Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat International Journal of Islamic Business and Economics (IJIBEC) IJISH (International Journal of Islamic Studies and Humanities) Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI Justisia Ekonomika Jurnal Abdimas Madani dan Lestari (JAMALI) JURNAL EKONOMI SYARIAH AL-ARBAH: Journal of Islamic Finance and Banking International Journal of Research in Community Services Mukaddimah: Jurnal Studi Islam Journal of Islamic economy and Community Engagement Journal of Islamic Economic and Business Research Journal of Halal Science and Research Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) IEFBR: Islamic Economics, Finance, and Banking Review Journal of Aswaja and Islamic Economics JPS (Jurnal Perbankan Syariah) International Journal of Islamic Business and Economics (IJIBEC) International Journal of Islamic Finance (IJIF) Pandecta : Jurnal Penelitian Ilmu Hukum (Research Law Journal)
Wahyudi, Rofiul
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Cointegration of Stock Market and Exchange Rate in Indonesia Pantas, Pribawa E; Ryandono, Muhamad Nafik Hadi; Munir, Misbahul; Wahyudi, Rofiul
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 2 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1955.464 KB) | DOI: 10.12928/ijiefb.v2i2.886

Abstract

This study aims to determine the long-term relationship between stock market and exchange rate in Indonesia. The research method used is Johansen cointegration test. The results of this study found no cointegration between the variables tested. Thus the exchange rate, JII, and IHSG have no relationship in the long term. The fluctuation of the rupiah exchange rate in recent years did not generally affect the performance of stock indices especially after the global financial crisis of 2008. This shows the capital market in Indonesia has a good performance so that it is not so sensitive to the sentiment of the decline in the rupiah against the US dollar. This finding is in line with the findings of Syahrer (2010) which states the exchange rate has no effect on the stock market.
PELATIHAN PENGAWAS KOPERASI SYARIAH BERSERTIFIKASI DI DAERAH ISTIMEWA YOGYAKARTA Wahyudi, Rofiul; Riduwan, Riduwan; Rifan, Akhmad Arif
Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Vol 3, No 3 (2019)
Publisher : Universitas Ahmad Dahlan, Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (697.884 KB) | DOI: 10.12928/jp.v3i3.757

Abstract

Dewan Pengawas Syariah (DPS) di Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) yang bersertifikasi jabatan pengawas syariah menjadi kebutuhan yang mendesak. Hal ini disebabkan terbatasnya jumlah DPS yang bersertifikasi di lembaga keuangan mikro syariah. Oleh karena itu, kegiatan ini bertujuan memberikan pelatihan sebagai bekal bagi Dewan Pengawas Syariah di Daerah Istimewa Yogyakarta dalam menjalankan tugas dan wewenangnya. Metode pelatihan ini menggunakan klasikal dengan menerapkan kombinasi metode: ceramah, diskusi dan role play. Hasil pelatihan menunjukkan bahwa adanya peningkatan pemahaman DPS terhadap aspek kesyariahan. 
Pengaruh Islamic Corporate Identity (ICI) terhadap Kinerja Bank Syariah di Indonesia Romadhani, Eka Laily; Wahyudi, Rofiul
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v6i2.125-140

Abstract

This study aims to determine the suitability of annual reports that reflectIslamic Corporate Identity and its influence on the performance of islamicbank. Design of this research is causal research with quantitative approach.Samples of this research are Bank Muamalat Indonesia and Bank SyariahMandiri. Secondary data were obtained from annual reports from 2010 to2012 as data collection techniques of this study. To analyze the data of Islamic Corporate Identity (ICI), the writer used a checklist of eight dimensions disclosed in annual reports of Islamic banks. The analysis technique used is the panel data regression analysis using eviews. The results of this study can be concluded that the disclosure of Islamic Corporate Identity (ICI) in the annual report of Bank Muamalat Indonesia and Bank Mandiri Syariah compliant reporting standards that reflect the Islamic ideal Corporate Identity (ICI) with an average value of 85%. Islamic Corporate Identity (ICI) has influence on a CAR of 85.30%, amounting to 92.67% FDR, NPF amounting to 95.2%. Islamic Corporate Identity (ICI) has no effect on ROA, ROE and ROA.Perbankan Syariah merupakan representasi dari gelombang baru perusahaanyang mempunyai fungsi sosial sejajar penti ngnya dengan mencari keuntungan (profit oriented). Salah satu fungsi sosial tersebut adalah zakat. Apabila perusahaan berorientasi pada zakat berarti sama halnya dengan berorientasi pada kinerja perusahaan secara keseluruhan, sebab untuk meningkatkan kemampuan zakat perusahaan harus terlebih dahulu meningkatkan kinerja perusahaan. Penelitian ini bertujuan untuk mengetahui pengaruh kinerja keuangan terhadap zakat perbankan syariah. Jenis penelitian ini merupakan penelitian terapan. Variabel Independen yang digunakan adalah kinerja keuangan diproksi dengan Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Return on Asset (ROA) dan Biaya Operasional terhadap Pendapatan Operasional (BO/PO), variabel dependen berupa zakat perbankan syariah. Populasi dalam penelitian ini adalah perbankan syariah, baik Bank Umum Syariah (BUS) maupun Unit Usaha Syariah (UUS) di Indonesia. Metode penentuan sampel dengan metode purposive sampling, dan berdasarkan kriteria jumlah sampel yaitu tiga BUS dan dua UUS periode tahun 2007-2012. Data penelitian merupakan data sekunder berupa laporan tahunan dan laporan keuangan yang diperoleh masing-masing dari annual report. Pengujian hipotesis penelitian digunakan teknik analisis regresi dengan data panel dengan alat bantu aplikasi eviews versi 6. Hasil penelitian menunjukkan bahwa: 1) Financing to Deposit Ratio (FDR) berpengaruh signifikan terhadap zakat, 2) Non Performing Financing (NPF) tidak berpengaruh signifikan terhadap zakat, 3) Return on Asset (ROA) tidak berpengaruh signifikan terhadap zakat, 4) Biaya Operasional terhadap Pendapatan Operasional (BO/PO) berpengaruh signifikan terhadap zakat. Berdasarkan hasil penelitian menunjukkan bahwa kinerja keuangan memiliki pengaruh yang berbeda pada setiap rasio yang diwakili terhadap zakat perbankan syariah. Hal ini ditunjukkan oleh adanya pengaruh FDR dan BO/PO terhadap zakat perbankan syariah, sedangkan ROA dan NPF tidak berpengaruh terhadap zakat. Namun, variabel independen secara simultan berpengaruh signifikan terhadap variabel dependen. Sehingga disimpulkan bahwa untuk mencapai kinerja perusahaan yang tinggi dibutuhkan kemampuan untuk meningkatkan zakat. 
Analisis Pengaruh CAR, NPF, FDR, BOPO dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia: Studi Masa Pandemi Covid-19 Wahyudi, Rofiul
At-Taqaddum Vol 12, No 1 (2020)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v12i1.6093

Abstract

Corona Virus Desease 19 (Covid-19) is a pandemic that has spread to almost all countries, including Indonesia. As a result, impacts to various types of sectors are not only health, but also the banking system. The purpose of this study to analyze the CAR, NPF, FDR, ROA and inflation on the profitability of Islamic banking days of the pandemic Covid-19. This research method is quantitative descriptive using secondary data for the first quarter of 2020 obtained from the official pages of each bank and inflation data from the Central Statistics Agency (BPS) page. Purposive sampling selected in this study were that the total sample of 11 Islamic Banks. Statistical test results show simultaneously CAR, FDR, NPF, BOPO and Inflation have an impact on ROA even during the Covid-19 pandemic. This finding has practical implications for customers that make it possible to continue using Islamic banking services.
Islamic Social Reporting Disclosure of Sharia Commercial Banks in Indonesia: A Form of Social Responsibility Riduwan, Riduwan; Mutmainah, Lu’liyatul; Wahyudi, Rofiul
Shirkah: Journal of Economics and Business Vol 5, No 3 (2020)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (649.238 KB) | DOI: 10.22515/shirkah.v5i3.336

Abstract

Sharia industry development encourages experts to design Corporate Social Responsibility (CSR) disclosure index that is more compatible with the characteristics of sharia-based corporate. However, studies examining CSR disclosure using Islamic Social Reporting (ISR) index that focuses on detailed results of content analysis from time to time still remains a paucity of evidence. Hence, this study aims to examine the practice of Islamic Social Reporting disclosure of sharia commercial banks in Indonesia. Drawing on the data obtained from CSR reports established by sharia banks in Indonesia, the results of content analysis disclosed that the ISR disclosure showed a fluctuating trend. It was also revealed that the six themes of ISR index have not been optimally disclosed. ISR disclosures of sharia banks in Indonesia were categorized as good since the average disclosure reached 50% in 2015 up to 2017, especially the corporate governance disclosure. This study’s results imply that it is necessary to increase the disclosures that can be strengthened by regulations from financial regulators and Islamic banking associations to increase public trust and value-added of sharia commercial banks. This study contributes to the development of sharia banks as fruitful insights on policy recommendations for Islamic banks' top management.
Financial Technology Regulation in Malaysia and Indonesia: A Comparative Study Diniyya, Aulia Arifatu; Aulia, Mahdiah; Wahyudi, Rofiul
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 3, No 2 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i2.2703

Abstract

Introduction to The Problem: The era of innovation in information technology has emerged to ease daily commercial transactions. The innovation in financial technology has created numerous new business model to cater the customers’ need. This development needs a regulation and supervision to avoid chaos in the financial system. Particularly in Indonesia and Malaysia, which both countries were recorded by CCAF to be among the top countries in the ASEAN region by the number of fintech firms.Purpose/Objective Study: This study is aimed to analyze the financial technology regulation and supervision in Indonesia and Malaysia.Design/Methodology/Approach: The comparative study is conducted to compare the regulatory environment related to Digital payment, Equity Crowdfunding, P2P lending, Crypto Asset, Consumer protection, cybersecurity law and Islamic fintech in both countriesFindings: The study found that compared to Malaysia, Indonesia has lack of jurisdiction that protecting the customer from the cyber-attack which highly threatening the fintech industry. Both countries also treat ICO differently. Malaysia treats it under RMO guidelines, while Indonesia banned it as the method of payment but still allows the trading of ICO as a commodity under Commodity Futures Regulatory Agency.
The Effect Of Debt-Based Financing And Equity-Based Financing On Islamic Banks Profitability In Indonesia Wahyudi, Rofiul; Diniyya, Aulia Arifatu; Satyarini, Julia Noermawati Eka; Mutmainah, Lu’liyatul; Maulida, Sri
International Journal of Islamic Business and Economics (IJIBEC) Vol 4 No 2 (2020): IJIBEC VOL. 4 NO. 2 DECEMBER 2020
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v4i2.2771

Abstract

This study's main objective is to investigate equity-based financing and debt-based financing of the profitability of Islamic banking in Indonesia. This research is expected to contribute to the theoretical and practical dimensions. On the conceptual aspect, this study can provide evidence of whether equity-based financing and debt-based financing affect the profitability of Islamic banking. While on the practical dimension, Islamic banks in Indonesia can determine the extent of their profitability and, in turn, the competitiveness of Islamic banks to enable it to be developed in line or even better than conventional banks. The data analysis technique uses panel data regression, which is time series data and cross-section. Next, to estimate the panel data model, which is divided into three, namely: common effect, fixed effect, and random effect. The result of this study that partially equity-based financing does not affect ROE. At the same time, debt-based financing influences the ROE of Islamic banks. Partially equity-based financing and debt-based financing do not affect ROA of Islamic banks. However, it simultaneously shows that the independent variable test results, namely equity-based financing and debt-based financing, have a strong influence on the dependent variable, namely, profitability as measured by ROA and ROE.
The Relationship Between Capital Structure and Performance in Islamic Rural Bank Wahyudi, Rofiul; Fithria, Annisa; Wardiwiyono, Sartini
IJISH (International Journal of Islamic Studies and Humanities) Vol 3, No 2 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26555/ijish.v3i2.1989

Abstract

The source of Islamic banking capital must avoid interest as the vision and mission that relies on al-Quran and hadith. The capital structure is important for financial institutions, including Sharia Rural Bank (BPRS). However, BPRS has a problem that is the limited capital owned so that it affects performance. This paper's main objective is to investigate the relationship between capital structure and performance of the Islamic Rural Banks (BPRS) in Indonesia. The study using panel data regression to measure the capital structure on performance. The research sample used 164 BPRS that operate in 33 provinces from 2010 until 2017. The results show that capital structure affects DER (debt to equity ratio) and DAR (debt to asset ratio) but negatively affects ETA (equity to total Asset ratio). These findings indicate an increase in the capital structure of the performance of the BPRS in Indonesia. Hence, bank managers must reach a trade-off between the advantages and disadvantages of creating liquidity and consider the negative relationship between liquidity creation and bank performance when making decisions.
Analisis Rasio Permodalan, Likuiditas, Rentabilitas, Kualitas Aktiva Produktif dan NPF di KSPPS BTM Surya Umbulharjo Yogyakarta (Analysis of Capital Ratio, Liquidity, Profitability and NPF at KSPPS BTM Surya Umbulharjo Yogyakarta) Adha, Mufti Alam; Wahyudi, Rofiul
Perisai : Islamic Banking and Finance Journal Vol 4 No 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.837

Abstract

The main objective of this research is to analyze the ratio analysis of capital, liquidity, profitability, and non-performing financing (NPF) at KSPPS BTM Surya Umbulharjo Yogyakarta. This research is quantitative with a descriptive approach. Source of research data derived from primary and secondary documentation Annual Members Meeting (RAT). The research data analysis technique used is descriptive statistical analysis. This approach is used to provide an overview of the financial performance of KSPPS BTM Surya Umbulharjo Yogyakarta. The results showed that the BTM capital ratio during the study period showed a healthy category, the liquidity ratio was in the liquid category, the profitability ratio showed in the low category, and the NPF ratio showed in the sufficient category.
EEFISIENSI DAN EFEKTIVITAS PENGELOLAAN ZAKAT DI BAZNAS KOTA YOGYAKARTA : : Pendekatan DEA dan Allocation to collection Ratio Rachma Fadila; Wahyudi, Rofiul; Pribawa E Pantas; Dwi Santosa Pambudi
Mukaddimah: Jurnal Studi Islam Vol. 8 No. 2 (2023)
Publisher : Kopertais Wilayah III Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/mjsi.v8i2.3319

Abstract

Islam is the majority religion in Yogyakarta, with more than 92% of the population following this religion. The potential for zakat in Yogyakarta is enormous. However, the population cannot escape the problem of poverty. This is an opportunity to optimize the role of zakat, infaq, and alms in overcoming poverty in society. To overcome this, Yogyakarta City BAZNAS distributes zakat, infaq, and alms funds to the community. In carrying out its duties, an evaluation is needed to determine the efficiency and effectiveness of the performance of zakat institutions in managing zakat, infaq, and alms funds. This research aims to analyze the efficiency and effectiveness of Yogyakarta City BAZNAS in managing zakat funds in the 2017-2021 period. This research is quantitative. The data type used is secondary data in the form of BAZNAS Yogyakarta City financial report data for 2017-2021. In this research, efficiency measurement uses the Data Envelopment Analysis (DEA) method with a production approach; the Variable Return to Scale (VRS) assumption is output-oriented and measures the level of effectiveness of amyl using the Allocation to Collection Ratio (ACR) method. The input variables used to measure efficiency are current assets, non-current assets, and operational costs. Meanwhile, the output variables used are the collection and distribution of zakat, infaq, and alms funds. To measure the level of effectiveness, the outcome variable used is the target and realization of the distribution of zakat, infaq, and alms funds. This research shows that BAZNAS Yogyakarta City experienced inefficient performance in 2017 and 2018. Inefficiency was 92.9% in 2017 and 98.8% in 2018. Meanwhile, 2019, 2020, and 2021 experienced perfect efficiency according to the measurement results by 100%. To measure the level of effectiveness, in 2018, 2020, and 2021, scores were 88%, 76%, and 81% in the Effective category. In 2017 and 2019, they received the same Highly Effective category with 99% and 90% scores.   Keywords: ACR; BAZNAS; DEA; Efficiency; Effectiveness.
Co-Authors - Suprihatin, - Abd Razak, Shamsul Bahri Akhmad Arif Rifan Alfiani, Yudha Ali, Maimunah Binti Amrullah Ani Apriani, Ani Annisa Fithria Aulia Arifatu Diniyya Aulia, Mahdiah Beni Suhendra Winarso Catur Bashori, Dhofir Damery, Radita Arthamevia Danupranata, Gita Dian Fahmy Sidiq Diniyya, Aulia Arifatu Dwi Santosa Pambudi Erlin Nur Khasanah Faiza Husnayeni Nahar Intan Dita Angelina Irsalinda, Nursyiva Iwan Tri Riyadi Yanto, Iwan Tri Riyadi Julia Noermawati Eka Satyarini Kholid Haryono Laurin Azwita Lu'liyatul Mutmainah Maulida, Sri Maulidia, Farah Esti Meshayu Anesca Cerrolya Millania, Annisa Misbahul Munir Mubarok, Ferry Khusnul Mufti Alam Adha Muhamad Nafik Hadi Ryandono, Muhamad Nafik Mutmainah, Lu’liyatul Nurani, Oril Presti Nurhardiansyah, Achmad Pantas, Pribawa E Pribawa E Pantas puspitasari, Arum Putri, Indah Amalia Putri, Shah Amelia Manggala Rachma Fadila Rahman El Junusi Rahmat Hidayat Rakhmawati Riduwan Riduwan Riduwan, Riduwan Rifan, Akhmad Arif Robbyah, Aizzah Sifaur Romadhani, Eka Laily Safitri, Junaidi Salsabila Indrastuti Saputra, Jumadil Sartini Satyarini, Julia Noermawati Eka Sholichul Rizky Agniatama Siti Fitria Wulandari Siti Mujibatun Sri Maulida Sugiyarto Sugiyarto Sunu Prasetya Adi Suwartiningsih, Nurul Syaugi Syaugi Tusyani, Mia Rizka WaiShiang, Cheah Wardiwiyono, Sartini