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All Journal International Journal of Islamic Economics and Finance (IJIEF) International Journal of Business Studies Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Akuntansi dan Keuangan Indonesia Muslim Business and Economic Review Journal Middle East and Islamic Studies
Yunita, Patria
Unknown Affiliation
Arts Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Physics Social Sciences Other

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The Future of Indonesia Islamic Banking Industry: Bankruptcy Analyzing the Second Wave of Global Financial Crisis Yunita, Patria
International Journal of Islamic Economics and Finance (IJIEF) Vol 3, No 2 (2020): IJIEF Vol 3 (2), July 2020
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (297.996 KB) | DOI: 10.18196/ijief.3227

Abstract

This study aims to analyze the resilience of the Indonesia Islamic banking industry from bankruptcy risk in times of financial crisis. This study use binary regression as dependent variable. The Islamic banking industry bankruptcy risk generated from capital buffering changes in accordance with POJK No. 11 / POJK.03 / 2016. Economic Growth, BI rate, Inflation rate and Islamic Money Market O/N rate as independent variables. To anticipate the unobserved heterogeneity, Bank Profitability, USD Exchange Rate, Federal Reserves Interest Rate and  Money Supply (M2) are used as control variables. Data analysis to predict bankruptcy uses logistic regression model of the global financial crisis in Indonesia. Data obtained from monthly statistics report of Bank Indonesia and the Financial Services Authority from Januari 2008 until December 2019 by the structural break which impacted the Islamic banking capital on December 2012.  Our analysis divide indonesia financial condition into two difference time, before and after the structural break. By Probit Logit Regression Model, it was concluded that USD exchange rate is independent variable which is consistently influence the probability of islamic banking bankruptcy risks in all period. BI rate not significantly affected the probability of Islamic banking bankruptcy because profit and loss sharing method applied in Islamic banking. Before the structural break the probability of bankruptcy  significantly affected by Money Supply, USD exchange rate and economic growth. But after the structural break, the probability of bankruptcy significantly affected by Bank Profitability, USD exchange rate, BI rate and Islamic Money Market rate. This model precisely predicted by Count R Squared of 75.81% - 86.67%.
Dual Banking System Stability Index in the Shadow of COVID-19 Pandemic Yunita, Patria
International Journal of Islamic Economics and Finance (IJIEF) Vol 5, No 1 (2022): IJIEF Vol 5 (1), January 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v5i1.11837

Abstract

The financial system is categorized as stable if there is no excessive volatility from financial pressures or crises. The IMF indicates that the crisis is not only related to one element but more than two or three elements of the crisis. The banking system's stability is measured by the banking stability index, gauging the effectiveness of monetary policy and financial risk. This study aims to measure the stability of the Indonesian banking system in the dual banking system model. The indicator to measure banking stability used the Z-score statistic based on fluctuations of Return on Assets for each type of bank. The Markov Switching Vector Autoregressive (MSVAR) model method was used to analyze the volatility of banking stability. Independent variables used included credit risk (NPL), Loan to Deposit Ratio, Liquidity Risk, Net Interest Margin, Capital Adequacy Ratio, Money Market Rate, Inflation, Gross Domestic Product, Federal Reserve rate, and Exchange Rate. The results of the regime switch analysis concluded that Indonesia's banking stability experienced a structural break due to the effects of the pandemic in April 2020. Based on the average Z-score value, the Islamic banking stability index was higher than conventional banking. In other words, Islamic banking was more stable than the conventional banking system. The Islamic banking stability index (iZscore) was significantly influenced by the level of Net Operating Margin, Financing to deposit ratio, Potential Loss Profit Sharing, Islamic Money Market Rate, and Exchange Rate. However, non-performing financing did not affect Islamic banking stability since the profit-sharing system implemented by Islamic banking stability was more influenced by the ratio of potential loss and profit-sharing system.
THE DIGITAL BANKING PROFITABILITY CHALLENGES: ARE THEY DIFFERENT BETWEEN CONVENTIONAL AND ISLAMIC BANKS? Yunita, Patria
Jurnal Akuntansi dan Keuangan Indonesia Vol. 18, No. 1
Publisher : UI Scholars Hub

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Abstract

This study aims to analyze the digital banking industry in uncertain global financial conditions. This analysis used binary logistic regression models, to predict the Indonesia commercial digital banking profitability performances in new normal life based on the analysis of digital banking performances in the second wave of global financial crisis 2017. The probability of bank profitability improvement as dependent variable. The Liquidity Risk, Bank Size, Bank Portfolio Risk, and E-Money transactions as independent variables. Fintech and Bank Type are used as control variables. The analysis period is 2015-2019, based on the time when the rapid progress of digital banking technology was adopted in Indonesia. Data obtained from 57 commercial bank annual reports, statistics of Bank Indonesia and The Financial Services Authority. By the Logit Regression Model, it is concluded that Liquidity Risk, Fintech and Bank Type do not statistically significant, while the Bank’s Portfolio Risk, E-Money transactions and Bank Size statistically significant influencing The Digital Banking Profitability Improvements. From the structural break analysis conducted at the level of the digital banking profitability, there is a difference in the time of "shock" between conventional and Islamic banks. The conventional banks was experienced a structural break over global financial conditions two months before Islamic banks.
The Evolution of Money To Cryptocurrency: Are They Eligible To Be Islamic Digital Money Yunita, Patria
Journal Of Middle East and Islamic Studies Vol. 9, No. 1
Publisher : UI Scholars Hub

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Abstract

The cryptocurrency was a very popular issue in recent years. There was a debate among scientists regarding the prohibition of cryptocurrencies as a medium of exchange. Some Islamic institutions use cryptocurrencies and blockchain platforms in the financial transaction. This study analyzes the arguments of classical and modern Muslim scientists regarding the evolution of money to become modern Islamic digital money in the form of cryptocurrency. We used ARCH GARCH to predict the volatility of cryptocurrencies. Our samples are Bitcoin, Ethereum, IDR Token, and Tether USD Token. IDRT and USDT are stablecoins. Bitcoin and Ethereum are cryptocoin. We use daily data of cryptocurrency fluctuations from August 7, 2015, to May 21, 2021. The data were taken from the official website for cryptocurrency transactions, coinmarketcap.com and blockchain. com. This study proves that Bitcoin and Ethereum are types of cryptocurrencies which have very high volatility. Meanwhile, IDRT Rupiah Token and Tether USD Token are more stable types of cryptocurrencies. In terms of using digital money for modern Islamic financial transactions, we suggest using cryptocurrencies of the token type.
Implementasi Digital Marketing Pada PT Yuk Bersihin Sejahtera Menurut Perspektif Syariah Susanto, Apip; Yunita, Patria; Syafiudin , Ahmad
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 5 No. 01 (2024): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) : September-November
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v5i01.672

Abstract

PT Yuk Bersihin Sejahtera is a service company operating in the cleaning sector in Jakarta. PT Yuk Bersihin Sejahtera has a vision to offer opportunities to young high school/vocational school graduates who wish to continue their education to college independently. PT Yuk Bersihin Sejahtera has a mission to provide the best cleaning services because every community has the right to a clean and healthy life. This research aims to determine the implementation of digital marketing implemented by PT Yuk Bersihin Sejahtera according to a sharia perspective. Recognizing market characteristics and competitors is very necessary for companies to remain competitive and survive. In this research, descriptive qualitative research was used with the type of field research. The data in this research was obtained from interviews, observations and documentation, then the data was processed by editing, describing and categorizing and then analyzed in depth. The results of this research, PT Yuk Bersihin Seajahtera has implemented a marketing strategy with the Digital Marketing concept in accordance with a sharia perspective. Starting from the basic philosophical concept that marketer activities do not conflict with sharia. Marketing ethics from marketers avoid lies. The approach with consumers is carried out in accordance with sharia, proven by treating consumers as equal partners. The perspective of competitors makes competitors become partners in the successful implementation of sharia economics. A work culture that is in accordance with sharia by prioritizing honesty and intelligence in marketing products and services to consumers.
The Influence of Reciprocity and Trust on Satisfaction of Members of Sharia Cooperatives in Indonesia: A Social Capital Perspective Bhinekawati, Risa; Yunita, Patria
International Journal of Business Studies Vol. 8 No. 2 (2024): International Journal of Business Studies
Publisher : Sekolah Tinggi Manajemen IPMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32924/ijbs.v8i2.330

Abstract

Islamic Micro Finance Institution in the form of sharia cooperatives called Baitul Maal wa Tamil or BMT have grown significantly in Indonesia in the past four decades, and have contributed to improvements of livelihood of their members and poverty eradication. Using the social capital theory, this study aims to investigate whether trust and reciprocity are factors that influence satisfaction of members BMTs in Indonesia. The study gathered 200 respondents from eight sharia cooperatives in six provinces of Indonesia. Using multiple regression models, the collected data was tested and further analyzed using SPSS 24.0 Software. This research found that Reciprocity and Trust have a positive and significant influence on the Satisfaction of sharia cooperative members. Sharia cooperative management can apply the results of this research to improve cooperative performance by building mutually beneficial and trusting relationships with its members. The results of this study can be generalized to sharia cooperatives, while the application to conventional cooperatives needs to be further studied. This research provides empirical evidence for the application of Social Capital Theory in explaining the factors influencing the satisfaction of sharia cooperative members that was not studied before.
Zakat Payment by Metal Backed Cryptocurrencies: Are They Allowed? Yunita, Patria
Muslim Business and Economics Review Vol. 1 No. 2 (2022)
Publisher : Universitas Islam Internasional Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56529/mber.v1i2.69

Abstract

This study aims to provide a scientific contribution to the feasibility of metal backed cryptocurrencies as a medium of exchange to pay zakat. To understand the dynamics and mechanisms of metal backed cryptocurrencies, the autoregressive conditional heteroscedasticity and generalized conditional heteroscedasticity (Arch Garch) methods were used. The metal backed cryptocurrencies used for this research are Bitcoin Gold, GoldFinch, Gold Coin, Digix Gold Token, E-Dinar Coin, Gold-Money, and E-Gold. Our analysis finds that even though these are metal backed cryptocurrencies, the volatility is high. Gold-Money has a long-term volatility 67 times higher than the volatility of gold, while E-Gold has eight times the volatility of gold. As a result, due to high levels of volatility, metal backed cryptocurrencies are not suitable as a medium for zakat payment.
Co-Authors Bhinekawati, Risa Susanto, Apip Syafiudin , Ahmad