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THE INFLUENCE OF INFLATION, EXCHANGE RATES, CAR AND NPF TO STABILITY OF ISLAMIC BANKS IN INDONESIA PERIOD 2015-2019 L.P., Gumilang Budi; Kusnendi, Kusnendi; Utami, Suci Aprilliani
IQTISHODUNA: Jurnal Ekonomi Islam Vol 9 No 1 (2020): April
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

This study aims to see the extent of the influence of the level of Inflation (CPI), Exchange Rate (kurs), Capital Adequacy Ratio (CAR) and Non Performing Financing (NPF) on the Stability of Islamic Banks in Indonesia Period 2015-2019. To support research, we use the Vector Error Correction Model (VECM) methodology. VECM test results show that in the short term the significant effect on the level of stability are Kurs and CAR, with the direction of a negative relationship (reducing the level of stability). Meanwhile, in the long term the significant effect on the level of stability are inflation and Kurs with the direction of a negative relationship (reducing the level of stability). From the results of this study it can be concluded that the macroeconomic variables significantly affect the stability of Islamic banking, therefore the government has an important role in controlling macroeconomic turmoil to maintain Islamic banking stability. Besides that, the internal variables of the banking sector are considered to have no significant effect partially, therefore it is necessary to conduct further research with a variety of internal factors in the banking industry to prove their effects on the stability of Islamic banking

DOES PROFITABILITY, FIRM SIZE, AND MACROECONOMIC VARIABLE AFFECT YIELD TO MATURITY OF CORPORATE SUKUK? Utami, Suci Aprilliani; Rohmana, Yana
The International Journal of Business Review (The Jobs Review) Vol 2, No 2 (2019): The International Journal of Business Review. December 2019
Publisher : Fakultas Pendidikan Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/tjr.v2i2.20921

The purpose of of this research is to examine the influence of profitability, firm size, and macroeconomic variable on the yield to maturity of corporate sukuk. The yield to sukuk maturity that will be received by investors illustrates the level of investor profit but the yield level also describes the level of risk borne by investors. This research was conducted on all companies listed on the Indonesia Stock Exchange in the 2015-2018 period which issued sukuk ijarah and published its financial statements during the research period. The research samples is 54th ijarah sukuk This research was conducted using a quantitative approach with panel data. The data analysis technique used in this study is panel data regression with a fixed effect model. The results showed that profitability projected with Return on Asset did not affect the yield to maturity of sukuk ijarah, the size of the firm negatively affected the yield to maturity of sukuk ijarah, the BI-Rate variable had a positive and significant effect on yield to maturity of sukuk and inflation had a negative effect on yield of ijarah sukuk.

EFEKTIVITAS PENYALURAN PEMBIAYAAN KPR SYARIAH BERSUBSIDI PADA PT BANK BTN SYARIAH CIREBON Putri Pithaloka Kennedy; Juliana Juliana; Suci Aprilliani Utami
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 12 No 2 (2020): Jurnal Ekspansi November 2020
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v12i2.2224

This research is based on the phenomenon of the problem in which the subsidized Syariah KPR at Bank BTN Syariah is still not on target and has not been utilized by the original debtor or owner. The houses are not occupied or diverted so that the government has not yet become effective in the subsidized Islamic KPR. The purpose of this study is to determine the pattern of the procedure for disbursement of subsidized Syariah mortgage financing at PT. Bank BTN Syariah Cirebon and to find out the level of effectiveness in disbursing subsidized sharia KPR financing to PT. Bank BTN Syariah Cirebon. The population in this study are customers of subsidized Syariah mortgage financing at PT. Bank BTN Syariah Cirebon. The sampling technique used was non-probability-purpose sampling of 96 respondents who had been determined using the Slovin formula. The research method used in this research is descriptive method with a quantitative approach. The data analysis technique used is SPSS 22. The results of the effectiveness of subsidized syariah mortgage financing are the effectiveness of the indicators of use variable 85.3%, target accuracy 84.8%, scope 85.0%, cost effectiveness 85.9%, and accuracy time 81.3%. It can be concluded overall that the effectiveness of Subsidized Syariah KPR financing at PT. Bank BTN Syariah Cirebon is very effective with a yield of 84.5%. Keywords: Effectiveness, Subsidized Syariah KPR, BTN Syariah

MODERATING EFFECT OF PERSONALITY TRAITS ON THE INFLUENCE OF ISLAMIC FINANCIAL LITERACY ON THE IMPLEMENTATION OF ISLAMIC FINANCIAL PLANNING Rahmanita, Nadya Dwi; Kusnendi, Kusnendi; Utami, Suci Aprilliani
The International Journal of Business Review (The Jobs Review) Vol 3, No 1 (2020): The International Journal of Business Review. June 2020
Publisher : Fakultas Pendidikan Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/tjr.v3i1.26568

Abstract. Islamic financial planning is a realization in applying maqashid sharia in terms of improving the welfare of an individual in relation to preserving faith, self, sense, posterity and wealth. This study aims to determine the effect of Islamic financial literacy reinforced by personality traits in the implementation of Islamic financial planning. This study uses purposive sampling - judgment sampling method with 138 respondents. This study also uses survey method with explanatory approach. The results of this study indicate that Islamic financial literacy has a significant predictor for Implementation of Islamic financial planning, after that conscientiousness and neuroticism have a significant effect on the relation of Islamic financial literacy with the implementation of Islamic financial planning, but other personality traits such as extroversion, agreeableness, and opennes to experience do not have significant effect on the relation of Islamic financial literacy with the implementation of Islamic financial planning.Â Â Keyword. Islamic financial planning, Islamic financial literacy, personality traits

Analisis Faktor Risk Profile, Good Corporate Governance, Earnings, dan Capital terhadap Profitabilitas pada Bank Syariah Bukopin Periode 2011-2019 Rizkia Ramadhani; Aas Nurasyiah; Suci Aprilliani Utami
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (2021): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

In 2019, Bank Syariah Bukopin obtained the lowest profitability value which is proxied by Return On Assets. Therefore, the bank needs to improve its health condition so that the bank can make a profit or profit as expected. This study aims to determine the effect of bank soundness on the level of profitability (ROA) of Bank Syariah Bukopin in 2011-2019. The research method used in this research is quantitative descriptive method with multiple linear regression analysis techniques. The population in this study is Bank Syariah Bukopin and the sample used in this study is Bank Syariah Bukopin in 2011-2019. The dependent variable in this study is profitability (ROA), while the independent variables in this study are the level of financing risk (NPF), the level of liquidity risk (FDR), the level of cost efficiency (BOPO), and the level of capital adequacy (CAR). The results showed that NPF, FDR, BOPO, and CAR had a significant simultaneous effect on profitability (ROA). As for partially, NPF has a negative and insignificant effect on ROA, BOPO has a significant negative effect on ROA, while CAR and FDR have no significant effect on ROA. The implication of this research is that banks need to maintain health conditions by preventing problematic financing, reducing operational costs, and using capital effectively and efficiently so that banks can obtain profitability as expected.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI EFISIENSI PADA BANK UMUM SYARIAH DI INDONESIA Devi Supriatin1,Suryana2, Suci Aprilliani Utami3
IQTISHADUNA Vol. 10 No. 2 (2019): Desember 2019
Publisher : UIN Mataram

This study aims to determine the level of efficiency of Islamic Commercial Banks (BUS) in Indonesia, as well as to analyze the factors that influence the level of efficiency. Variables used in measuring bank efficiency include input variables consisting of total assets and total Third Party Funds (DPK) while output variables consist of total financing. Furthermore, this study examines the effect of the independent variables in the form of Return On Assets (ROA), BOPO, and Non Performing Financing (NPF) on the dependent variable, namely the value of efficiency. The analysis method used is the Stochastic Frontier Analysis (SFA) analysis and panel data regression. The results of this study indicate that: 1. The results of the calculation of efficiency using the Stochastic Frontier Analysis (SFA) method show the high level of efficiency of Islamic Commercial Banks (BUS), which is almost close to 100%, which means it is almost efficient. 2. Reutrn On Assets (ROA) significantly influence the Performance Efficiency of Islamic Commercial Banks 3. BOPO significantly influences the Efficiency Performance of Islamic Commercial Banks. 4. Net Performing Financing (NPF) does not significantly influence the Performance Efficiency of Islamic Commercial Banks.

The Influence of Inflation, Exchange Rates, CAR and NPF to Stability of Islamic Banks in Indonesia Period 2015-2019 Gumilang Budi L.P.; Kusnendi Kusnendi; Suci Aprilliani Utami
IQTISHODUNA: Jurnal Ekonomi Islam Vol 9 No 1 (2020): April
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

This study aims to see the extent of the influence of the level of Inflation (CPI), Exchange Rate (kurs), Capital Adequacy Ratio (CAR) and Non Performing Financing (NPF) on the Stability of Islamic Banks in Indonesia Period 2015-2019. To support research, we use the Vector Error Correction Model (VECM) methodology. VECM test results show that in the short term the significant effect on the level of stability are Kurs and CAR, with the direction of a negative relationship (reducing the level of stability). Meanwhile, in the long term the significant effect on the level of stability are inflation and Kurs with the direction of a negative relationship (reducing the level of stability). From the results of this study it can be concluded that the macroeconomic variables significantly affect the stability of Islamic banking, therefore the government has an important role in controlling macroeconomic turmoil to maintain Islamic banking stability. Besides that, the internal variables of the banking sector are considered to have no significant effect partially, therefore it is necessary to conduct further research with a variety of internal factors in the banking industry to prove their effects on the stability of Islamic banking

INDEKS INKLUSI KEUANGAN SYARIAH DI INDONESIA TAHUN 2015-2018 Sindi Puspitasari; A. Jajang W Mahri; Suci Aprilliani Utami
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 1 (2020)
Publisher : Univeristas Islam Bandung

This research is based on the problem is the low involvement of the public in making transaction using Islamic banking service in Indonesia. This study aims to describe and measure the level of Islamic financial inclusion on the Islamic banking sector include Sharia Commercial Bank (BUS), Sharia Business Unit (UUS) and Rural Sharia Bank (BPRS) in Indonesia period 2015-2018 using Index of Financial Inclusion. There are three dimensions measured in this study dimensions of accessibility, availability and usage. This research was conducted in 33 provinces in Indonesia. The method used in this research is quantitative descriptive method. The results showed the level of sharia financial inclusion in 2015-2018 experienced a fluctuating development in which the average Index of shariah financial inclusion in Indonesia is the low category. From 33 provinces in Indonesia, DKI Jakarta included in the high category, Aceh and D.I Yogyakarta are in the medium category, and there are 30 provinces with low category. Nusa Tenggara Timur Province is a province with the lowest category during the study period. Generally, the dimensions index of shariah financial inclusion are the low category.

ANALYSIS OF HOME OWNERSHIP FINANCING FOR ISLAMIC BANKS IN INDONESIA THROUGH SHARIA ASSET BACKED SECURITIES-PARTICIPATION LETTER Suci Aprilliani Utami; Aneu Cakyaneu; Neni Sri Wulandari
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

This research was conducted to find out the financing opportunities of home ownership financing for Islamic banks through Sharia Asset Backed Securities-Participation Letters (EBAS-SP) in Indonesia. EBAS-SP are asset backed securities that have a portfolio in the form of a participation letter for secondary home ownership financing that has a system that is in accordance with Islamic Sharia so that in each issuance process the securities must obtain a statement of Sharia principle conformity from the expert team Sharia capital market and Sharia Supervisory Board. This study uses the Analytic Hierarchy Process (AHP) approach, following the priority of the strategy as a solution that can be offered. The results of this study indicate that: First, there are 4 issues of issues in developing the ability to mitigate the risk of home ownership financing for Islamic banks in Indonesia through the asset-backed effect of Islamic assets-participation letters, including legal / structural issues, sharia issues, operational issues and human resource issues. Second; For priority issues in terms of the use of Sharia Asset Backed Securities instruments and Participation Letters in the AHP Method frame according to the agreement of Experts, Practitioners, Academics and Regulators are operational aspects and aspects of human resources (HR). Third; the results of this study also show a picture of a solution in the strategy of increasing risk mitigation in PPR products through EBAS-SP for all four issues. And finally, the priority solution in solving problems based on expert agreement is the solution in legal / structural aspects, sharia aspects and operational aspects. So that the risk of home ownership financing mitigation using securities-backed securitization instruments can be a solution for home ownership financing for the community. Because EBAS takes the form of a participation letter supported by liquid assets and has a relatively small risk.

Views on the Utilization of Non-Halal Assets Firmansyah Firmansyah; Aas Nurasyiah; Suci Aprilliani Utami; Ripan Hermawan; Muhammad Kamal Muzakki; Romi Hardiansyah
Review of Islamic Economics and Finance Vol 5, No 1 (2022): Review of Islamic Economics and Finance : June 2022
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v5i1.44837

Purpose – This paper aims not to legalize the practice of unlawful muamalah transactions, but the real purpose is what to do if someone has already made unlawful transactions and generates wealth from the practice of unlawful muamalah transactions, what is the solution to repentance in Islam, so as not to repeat muamalah transactions illegal in the future.Methodology - This paper uses a qualitative method in the form of library research. Literature study is a technique of collecting data by examining books, literatures, articles and research reports that have to do with the problem being solved. Thus, this study will limit its activities only to library collection materials without conducting field researchFindings - The conclusion of this paper is that if the illicit assets resulting from transactions that are not mutually pleased and the whereabouts of the transaction partners are known, it must be returned or their consent is requested, while if the whereabouts of the transaction partners are not known, the assets are donated to the poor on behalf of the owner of the goods/money legitimate.Keywords: Non-Halal Assets, Muamalah Haram, Utilization of Non-Halal Assets, Repentance

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