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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ilmiah Ekonomi Islam
Hayet, Hayet
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Economics, Econometrics & Finance Social Sciences

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Analisis Pengaruh Pertumbuhan Pembiayaan Modal Kerja, Investasi dan Konsumsi Pada Perbankan Umum Syariah Terhadap Pertumbuhan Produk Domestik Regional Bruto (PDRB) Kalimantan Barat Periode 2009-2013 Hayet, Hayet
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 5, No 1 (2016): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (380.359 KB) | DOI: 10.26418/jebik.v5i1.16183

Abstract

Islamic banking has an important role in stimulating the economy because of the intermediaryfunction performed. Improved economy is reflected in the value of the Gross Regional DomesticProduct (GRDP) of an area / region. Distribution of funding performed Islamic banking is givenbased on the purpose and use of the funds are classified into financing for working capital,investment and consumption. This research was to determine (1) the effect of the growth ofworking capital financing (MK), investment (I), and consumption in Islamic commercial bankingon growth GRDP West Kalimantan. (2) Determine which variables are the most dominantinfluence on GRDP growth in West Kalimantan. Sources of data working capital financing,investment and consumption of Islamic banking statistics obtained from Bank Indonesia whilethe GRDP data from the Central Statistics Agency (BPS) of West Kalimantan. The analyticalmethods used were multiple linear regression with a significance level of 0.05. The results of thisresearch indicate that (1) the growth of working capital financing, investment and consumptionin Islamic commercial banking simultaneously the effect on the GRDP growth in WestKalimantan. Partially, on the financing of investment and consumption variables there aresignificant positive effect on GRDP growth West Kalimantan. However, variable financing forworking capital of individual negative and not significant. 2) The most dominant variable effecton the GRDP growth is financing consumption, followed by financing investment and workingcapital. The value of the coefficient of determination Adjusted R2 of 0.489, it means that thefinancing of working capital, investment, and consumption of Islamic commercial banking affectGRDP growth of 48.9 percent. While the rest influenced by other variables not included in thisstudy.
MARKET POWER, BANK-SPECIFIC FACTORS, AND MACROECONOMIC EFFECTS ON BANKING PROFITABILITY IN INDONESIA: BEFORE AND AFTER THE COVID-19 PANDEMIC Hayet, Hayet; Hanafi, Syafiq Mahmadah; Afandi, Mukhammad Yazid
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 13, No 1 (2024): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v13i1.72197

Abstract

This paper examines the impact of market power, bank-specific factors, and macroeconomic changes on profitability in conventional and Islamic banking in Indonesia before and after the COVID-19 pandemic. The data was collected quarterly from 6 conventional banks and 6 Islamic banks during the period from the second quarter of 2014 to 2023, and analyzed using a panel data regression model approach. The dependent variable is bank profitability, measured using the return on asset proxy (ROA) and net interest margin (NIM) / net operating margin (NOM); while the independent variables are concentration ratio (CR), third-party funding (TPF), capital adequacy ratio (CAR), non-performing loan (NPL), operating expenses to operating income (BOPO ratio), gross domestic product (GDP), inflation, exchange rate, and dummy variables. The findings demonstrate that the COVID-19 pandemic has had a detrimental impact on both types of banking, with Islamic banking experiencing a more significant impact than the conventional banking. Furthermore, the TPF, BOPO ratio, exchange rate, and inflation have a comparable impact on the profitability in both types of banking. Similarly, the market power, NPL, CAR, and GDP have distinct impact on the two types of banking, demonstrating disparities in operational features and industry competitiveness levels.JEL: L16, E32, G21.
Predicting Financial Distress In Companies Listed On The Indonesia Sharia Stock Index (ISSI): An Examination Of The Zmejewski, Springate, And Altman Models Achmad, Achmad; hayet, hayet
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13308

Abstract

Financial distress is a state that indicates the downward trend in an enterprise’s cash flow that occurs to bankruptcies. The purpose of this study is to compare the predictive model Altman, Zmijewski, and Springate in order to determine the parameters of corporate financial traouble. 24 manufacturing firms included in the Indonesia Islamic Stoc Index made up the sample. The study’s finding demonstrated that the prediction model was successful in identifying the financial difficulties of the business. Among the models, the Zmijewski model has the highest accuracy and thus the best model performance.
Predicting Financial Distress In Companies Listed On The Indonesia Sharia Stock Index (ISSI): An Examination Of The Zmejewski, Springate, And Altman Models Achmad, Achmad; hayet, hayet
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13308

Abstract

Financial distress is a state that indicates the downward trend in an enterprise’s cash flow that occurs to bankruptcies. The purpose of this study is to compare the predictive model Altman, Zmijewski, and Springate in order to determine the parameters of corporate financial traouble. 24 manufacturing firms included in the Indonesia Islamic Stoc Index made up the sample. The study’s finding demonstrated that the prediction model was successful in identifying the financial difficulties of the business. Among the models, the Zmijewski model has the highest accuracy and thus the best model performance.
Co-Authors Achmad Achmad Afandi, Mukhammad Yazid Hanafi, Syafiq Mahmadah