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All Journal al-Uqud : Journal of Islamic Economics Jurnal Psikologi Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah EKONOMIKA SYARIAH : Journal of Economic Studies Jurnal Hukum Ekonomi Syariah : AICONOMIA Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Manager : Jurnal Ilmu manajemen
Yuningsih, Ayu
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah

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Ketahanan Perbankan Syariah Indonesia Terhadap Fluktuasi Kondisi Makroekonomi dan Kondisi Fundamental Saat Pandemi Covid-19 Yuningsih, Ayu; Alfiah, Esti
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i1.2748

Abstract

The Covid-19 pandemic has forced all sectors, especially the financial institution sector, to work hard to maintain their institutions to be able to generate profits under fluctuating conditions. Therefore, this study aims to analyze the resilience of Islamic banking in maintaining its profitability amidst fluctuations in macroeconomic conditions and fundamental conditions during the COVID-19 pandemic. This study uses a quantitative approach and is based on time series data (ime series). This research was conducted at Islamic Commercial Banks in Indonesia. The data used is secondary data which includes data on Return On Assets (ROA), Non Performing Financing (NPF), Financing to Deposite Ratio (FDR) obtained from SPS OJK, economic growth data (IPI), obtained from the official website of Bank Indonesia. (BI), and data on inflation and interest rates (BI Rate) obtained from the official website of the Central Statistics Agency (BPS). The data used is aggregated data that is presented monthly for the period January 2016 to March 2021. Data analysis in this study uses a vector error correction model (VECM) as an approach to see short-term relationships, and cointegration tests as an approach to see indications of long-term relationships. . The results showed that the profitability of Islamic banking is influenced by macroeconomic conditions, namely inflation. Meanwhile, the IPI and BI Rate do not have a significant effect on the profitability of Islamic banking. Likewise, the fundamental conditions of Islamic banking, NPF and FDR do not have a significant influence on the profitability of Islamic banking.
Analisis Pembiayaan Sektor Jasa Dunia Usaha Pada Perbankan Syariah di Indonesia Yuningsih, Ayu; Afandi, Akhsyim
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2020)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v6i1.3522

Abstract

Financing is one of the main functions of Islamic banking. In its operational activities, Islamic banking channel most of its assets into financing. However, the financing trend in this sector always fluctuates from year to year and tends to decline. This study aims to analyze the factors that influence the financing of the business services sector in Islamic banking in Indonesia. This study uses time-series data which is the monthly data of the aggregate financial statements of Sharia Commercial Banks and Sharia Business Units in Indonesia. The analysis method used in this study is Autoregressive Distributed Lag (ARDL). The results showed that the variables that influence the financing of the business services sector in the short term are third party funds (DPK), equivalent rate of financing (ERP) and Industrial Production Index (IPI). Whereas in the long run, the variables that influence the financing of the business services sector are third party funds (DPK), return on assets (ROA), non-performance financing (NPF), Industrial Production Index (IPI). While the variable interest rates and exchange rates both in the short and long term do not affect the financing of the business services sector.
Co-Authors Akhsyim Afandi, Akhsyim Alfiah, Esti Arisandy, Yosy Asnaini Asnaini, Asnaini B, Idwal Faisal Akbar, Muhammad Hanif, Padlim Lusiana, Dewi Misbahul Munir Misbahul Munir Nurhayati, Immas Pramadeka, Katra Rahmani, Zikri Renea Shinta Aminda Rini Elvira Sulis Mariyanti Wahyuni, Eka Sri Zikri Rahmani