Cakhyaneu, Aneu
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The Impact of Implementing Islamic Wealth Management on Economic Empowerment of Women at the Majelis Taklim Post Covid-19 Pandemic Monoarfa, Hilda; Nurasyiah, Aas; Juliana, Juliana; Rosida, Rida; Cakhyaneu, Aneu
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 5 No 2 (2023): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2023.5.2.9778

Abstract

The general objective of this research is to analyze what factors keep women economically empowered during the Covid-19 period. The basic theory used is the theory of famines of poverty (Amartya Sen), which states that one of the main factors for women's economic empowerment is access to financial resources. In this study, the financial governance carried out refers to the Islamic Wealth Management concept developed by experts. The method used in this study is quantitative with a causality approach, and besides that, the data analysis technique used is Structural Equation Modeling-Partial Least Square (SEM-PLS). The subjects of this study were female micro-entrepreneurs who were able to be empowered during the Covid-19 pandemic. The results of this study conclude that of the five aspects of Islamic Wealth Management, there are wealth accumulation, wealth protection, and wealth distribution have a significant effect on women's economic empowerment. Furthermore, the wealth creation and wealth purification variables do not have a significant effect on women's economic empowerment. The implication of this research is to be able to create a digital platform that supports women's economic empowerment in order to help the economic conditions of people's households so that they can rise as a result of the Covid-19 outbreak.
Analisis Islamic Corporate Governance dan Islamic Intellectual Capital terhadap Profitabilitas BUS di Indonesia Hani Anisa Rinjani; Kusnendi; Cakhyaneu, Aneu
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 3 (2022): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (692.263 KB) | DOI: 10.26740/jekobi.v5n3.p1-14

Abstract

The development of the profitability of Islamic banks is still lower than that of conventional banks, so it is necessary to identify related strategies that must be applied to increase profitability, especially profits from asset management. This study aims to analyze the effect of Islamic Corporate Governance and Islamic Intellectual Capital on the Profitability of Islamic Commercial Banks in Indonesia. The population in this study includes all Islamic Commercial Banks in Indonesia. The sample used consists of eleven Islamic Commercial Banks in Indonesia for the 2016-2020 period. The research method used is quantitative with a descriptive causality research design. The data analysis technique in this study is the panel data regression method. The results of this study indicate that Islamic Corporate Governance has a negative effect on the profitability of Islamic Commercial Banks in Indonesia. Furthermore, Islamic Intellectual Capital has a significant positive effect on the profitability of Islamic Commercial Banks in Indonesia. This study implies that Islamic banking in carrying out its operational performance needs to pay attention to the quality of human resources, capital and systems including supporting technology and work culture that is applied as an effort to increase profitability.
Pengukuran Kinerja Bank Umum Syariah di Indonesia berdasarkan Sharia Maqashid Index (SMI) Cakhyaneu, Aneu
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2018): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v2i1.6355

Abstract

Perbankan syariah di Indonesia berkembang sangat begitu pesat. Namun perkembangan tersebut nampaknya belum diimbangi dengan adanya pengukuran kinerja keuangan yang sesuai dengan tujuan syariah. Pengukuran kinerja bank syariah yang masih banyak digunakan saat ini masih terbatas pada pengukuran kinerja konvensional yang hanya menilai performance dari segi keuangan semata. Dengan demikian perlu adanya upaya pengukuran kinerja perbankan yang tidak hanya mengukur penilaian dari segi keuangan saja tetapi dinilai juga dari pencapaian tujuan syariah atau maqashid syariah untuk menciptakan kemaslahatan umat. Penelitian ini bertujuan untuk menganalisis kinerja bank umum syariah berdasarkan Sharia Maqashid Index (SMI) dengan menggunakan Simple Additive Weighthing Method (SAW) yang dilakukan terhadap dua belas bank umum syariah di Indonesia. Hasil penelitian menunjukkan bahwa lima bank yang memiliki Sharia Maqashid Index tertinggi berturut turut adalah Bank Syariah Mandiri, Panin Bank Syariah, Bank Mega Syariah, BNI Syariah dan Bank Muamalat Indonesia.
ANALISIS PEMBIAYAAN KPR SYARIAH DI INDONESIA DAN MALAYSIA Apriliansyah, Fikry; Kusnendi; Cakhyaneu, Aneu
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 16 No 1 (2024)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v16i1.5545

Abstract

Islamic mortgage is a customer financing product for purchasing homes. Islamic mortgage can be conducted using three contracts: murabahah, MMQ, and tawarruq. There was a phenomenon of declining growth in Shariah-compliant home financing in Indonesia and Malaysia in 2019 and 2020. This study aims to examine the influence of interest rates, Financing to Deposit Ratio (FDR), and bank size on Shariah-compliant home financing in Shariah Commercial Banks in Indonesia and Malaysia from 2016 to 2020. The subjects of this study are the Shariah Commercial Banks in Indonesia and Malaysia. The research methods used are descriptive and comparative. The population of the study consists of 30 Shariah Commercial Banks in Indonesia and Malaysia. Data collection methods are conducted through literature review and documentation. The sample size for this study is 13 banks. The statistical analysis technique used is panel data regression analysis and t-test. The dependent variable in this study is the total amount of Islamic mortgage, while the independent variables are interest rates, Financing to Deposit Ratio (FDR), and bank size. The results of the descriptive analysis show that Islamic mortgage in Indonesia and Malaysia from 2016 to 2020 tends to increase, interest rates tend to fluctuate, Financing to Deposit Ratio (FDR) tends to decrease, and bank size tends to increase. Furthermore, bank size has a positive effect on Shariah-compliant home financing. However, interest rates and Financing to Deposit Ratio (FDR) do not have an effect on Shariah-compliant home financing. Additionally, there is a significant difference in Islamic mortgage in Shariah Commercial Banks between Indonesia and Malaysia. The implication of this study is that bank size plays an important role in Shariah-compliant home financing in Indonesia and Malaysia.