Claim Missing Document
Check
Articles

Found 19 Documents
Search

PENGARUH TINGKAT KESADARAN, KONTROL DIRI DAN GAYA HIDUP TERHADAP PERENCANAAN KEUANGAN MAHASISWA DI MASA PANDEMI COVID-19 Hilmy Baroroh; Nur Anjaswati; Mohammad Amir Faisal; Mufti Arifina; Pujiyanti Pujiyanti
Jurnal Ekonomi Rabbani Vol 2 No 1 (2022): Mei 2022
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Ar-Risalah Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53566/jer.v2i1.81

Abstract

Penelitian ini bertujuan untuk mengukur pengaruh tingkat kesadaran, kontrol diri, dan gaya hidup terhadap perencanaan keuangan. Pengumpulan data menggunakan metode kuesioner dengan populasi seluruh mahasiswa di Fakultas Ekonomi dan Bisnis Islam UIN Sunan Kalijaga, dimana purposive sampling digunakan sebagai teknik pengambilan sampel. Teknik analisis data menggunakan regresi linear berganda. Adapun hasil penelitian ini yaitu hanya variabel tingkat kesadaran yang mempunyai pengaruh terhadap perencanaan keuangan. Sedangkan variabel kontrol diri dan variabel gaya hidup tidak mempunyai pengaruh terhadap perencanaan keuangan. Kata Kunci: Tingkat Kesadaran, Kontrol Diri, Gaya Hidup, Perencanaan Keuangan Mahasiswa FEBI UIN Sunan Kalijaga.
Analisis Faktor-Faktor yang Mempengaruhi Volume Penempatan Dana Perbankan Syariah pada Sertifikat Bank Indonesia Syariah Hilmy Baroroh
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 1 No. 1 (2019): Jurnal At Tamwil, Maret 2019
Publisher : Institut Agama Islam Tribakti Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at.v1i1.738

Abstract

Hedging In Indonesian Sharia Stock Index Manufacturing Companies Hilmy Baroroh; Sarpiatun Hasanah
AL-ARBAH: Journal of Islamic Finance and Banking Vol 5, No 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17978

Abstract

Purpose - This study aims to determine the influence of financial distress, profitability, and liquidity on hedging activities in manufacturing companies listed on the Indonesian Sharia Stock Index during the period 2016-2020.Method - The analysis in this study uses logistic regression analysis to answer the research questions. The study utilizes purposive sampling technique to determine the sample, and total of 80 samples are obtained from manufacturing companies listed on the Indonesian Sharia Stock Index during the period of 2016-2020.Result - The results of this study that financial distress, proxied by the Altman Z-score model, does not have a significant effect on hedging activities in manufacturing companies. On the other hand, profitability, proxied by return on assets, has a positive and insignificant effect on hedging activities in manufacturing companies, while liquidity, proxied by the current ratio, has a negative and significant effect on hedging activities in manufacturing companies.Implication - In this study, uses secondary data obtained from the annual report and financial reports of manufacturing companies listed on the Indonesian Sharia Stock Index during the period 2016-2020.Originality - Future research is expected to be able to add or replace different proxies, particularly those related to financial distress, will be utilized in the theory of hedging activities. This will expand the discussion on the determinants of hedging policy in manufacturing companies in Indonesia. 
Oil Price Volatility And Macroeconomics, Does It Affect The Performance Of Islamic Stocks In The Jakarta Islamic Index? Baroroh, Hilmy; Azka, Mohammad Shadam Taqiyyuddin; Afifah, Sabrina Nur
AL-ARBAH: Journal of Islamic Finance and Banking Vol 5, No 2 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.2.18037

Abstract

Purpose - This study aims to determine the effect of world crude oil prices and macroeconomics on the performance of Islamic stocks in the Jakarta Islamic Index (JII).Method - The research approach uses quantitative with the Autoregressive Distributed Lag (ARDL) method to analyze the short-term and long-term influence. The research sample was taken from as many as 29 companies included in the JII Index with the observation period from 2016-2022.Result - The results of this study show that the relationship between crude oil prices and Islamic stock performance has a significant negative effect. The rupiah exchange rate has a significant negative effect on the performance of Islamic stocks. Central bank interest rates, in this case using the BI Rate, have a significant positive effect on the performance of Islamic stocks. Inflation has a significant positive effect on the performance of Islamic stocks.   Implication - This study uses Islamic stock performance data from each company listed in the Jakarta Islamic Index and macroeconomic data obtained based on bank indonesia reports and crude oil prices derived from WTI crude oil prices.  Originality- This study looks at the short-term and long-term effects of crude oil prices and macroeconomics on the performance of Islamic stocks in the JII. The ARDL method is used to provide accurate results.  
RESILIENSI EKONOMI PESANTREN MELALUI HOLDING BISNIS HEBITREN: APLIKASI ASSET BASED COMMUNITY DEVELOPMENT Ali, Jeihan Azhar; Tri Pambekti, Galuh; Baroroh, Hilmy; Hassany, Egha Ezhar Junaeka Putra; Insani Saibil, Defi
DEVOSI Vol 5 No 2 (2024): Devosi: Jurnal Pengabdian Masyarakat
Publisher : LPPM Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/devosi.v5i2.9416

Abstract

Pesantren is a religious institution that is one of the drivers in the fields of populist economy, MSMEs, and sharia economy, which has potential, especially in the midst of the COVID-19 pandemic. The economic resilience of pesantren is very crucial in the ongoing ecosystem of the pesantren economy. The development of pesantren in responding to the economy has motivated Bank Indonesia to form the Pesantren Economics and Business Association (HEBITREN), especially the Yogyakarta regional office in 2021. The formation of HEBITREN requires contributions from other institutions, especially educational institutions in transforming business model ideas and ideas for business holding between pesantren. The benefits of this service for pesantren administrators are the receipt of input or transfer of knowledge related to the preparation of the Hebitren business model, business planning and RAPB, preparation of standard operating procedures, financial reports, organizational structure and job descriptions, mapping prospective Hebitren managers, and the core business to be run. The study center for the empowerment and economic development of pesantren, UIN Sunan Kalijaga, was present as a companion to HEBITREN in realizing the economic resilience of pesantren through the HEBITREN business holding by applying Asset Based Community Development. The output of this agenda is in the form of a Hebitren business model, business planning and RAPB, preparation of standard operating procedures, financial reports, organizational structure and job descriptions, mapping of prospective Hebitren managers, and the core business to be run.
Analyzing Performance Determinants: Islamic Rural Bank Performance in Indonesia Baroroh, Hilmy
Journal of Islamic Economics and Social Science (JIESS) Vol 4, No 1 (2023)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jiess.2023.v4i1.006

Abstract

Islamic Rural Banks are unique in terms of financing distribution because they are limited to the scope of certain areas in Indonesia. This study examines internal and external factors on the performance of Islamic Rural Banks in Indonesia which present financial products, especially for the micro, small and medium business sectors. ROA measures performance variables, internal variables consist of NPF, FDR, CAR, and PLS, external variables consist of economic growth, inflation, and the BI rate. The data comes from the IRBs Statistical Annual Report for 2015-2021 using the Auto Regressive Distributed Lag (ARDL) analysis method to see long-term and short-term relationships between variables. This study found that two internal variables, namely FDR and PLS, experienced delays but had an effect on ROA in the short term, for NPF and CAR in the short-term research had no effect on ROA. As for external variables, only the BI rate affects ROA, while GDP and inflation do not affect ROA. Furthermore, the results of long-term research show that all internal factors affect ROA, while external factors, only the BI rate, affect ROA. From the results of this study, it was found that IRBS should focus on managing their business rather than expanding the scope of business because the revenue that IRBS gets comes from their performance which tends to be influenced by internal IRBS factors.
Financial Stability of Indonesia’s Islamic Banks: Analysis Profitability Kurnia, Rahmat; Baroroh, Hilmy; Fauziah Hayati, Riska; Hazimah Melzatia, Haura; Maminirina Fenitra, Rakotoarisoa
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8082

Abstract

The study explores the financial well-being of Islamic banks in Indonesia, focusing on profitability as reflected in the Return on Assets (ROA) ratio. This article brings attention to the issue of certain Sharia Commercial Banks in Indonesia exhibiting poor financial conditions, as indicated by low ROA figures. The primary aim of the research is to evaluate the impact of Good Corporate Governance (GCG), Non-Performing Financing (NPF), and the ratio of Operational Costs to Operational Income (BOPO) on the financial sustainability of these banks. This research adopts a quantitative approach, utilizing secondary data sourced from financial and Good Corporate Governance reports spanning the years 2018 to 2022. The analysis is conducted using panel data regression with the aid of EViews 12 software. The study covers 11 Sharia Commercial Banks in Indonesia over a five-year period, resulting in a sample of 55 observations obtained through purposive sampling. The findings indicate that Good Corporate Governance and Non-Performing Financing significantly influence the Return on Assets, underscoring the critical role these factors play in maintaining financial stability. In contrast, the BOPO ratio does not exert a significant effect on ROA. Furthermore, the results of the simultaneous regression analysis confirm that GCG, NPF, and BOPO collectively have a meaningful impact on the financial performance of Islamic banks, as measured by ROA. Penelitian ini mengeksplorasi kesehatan finansial bank syariah di Indonesia, dengan penekanan pada profitabilitas yang diukur melalui rasio Return on Assets (ROA). Artikel ini menyoroti permasalahan beberapa Bank Umum Syariah di Indonesia yang menunjukkan kondisi keuangan yang kurang baik, yang tercermin dalam rendahnya angka Return on Assets (ROA). Penelitian ini bertujuan untuk menilai pengaruh Good Corporate Governance (GCG), Non-Performing Financing (NPF), dan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap keberlanjutan keuangan bank-bank ini. Pendekatan penelitian ini bersifat kuantitatif, dengan menggunakan data sekunder yang diperoleh dari laporan keuangan dan laporan Good Corporate Governance dalam rentang waktu 2018 hingga 2022. Analisis dilakukan menggunakan regresi data panel dengan bantuan perangkat lunak EViews 12. Penelitian ini melibatkan 11 Bank Umum Syariah di Indonesia selama lima tahun, dengan total 55 observasi yang diperoleh melalui teknik purposive sampling. Hasil penelitian menunjukkan bahwa Good Corporate Governance dan Non-Performing Financing memiliki pengaruh signifikan terhadap Return on Assets, yang menggarisbawahi pentingnya kedua faktor tersebut dalam mempertahankan stabilitas keuangan. Sebaliknya, rasio BOPO tidak menunjukkan dampak yang signifikan terhadap ROA. Selain itu, hasil analisis regresi simultan mengukuhkan bahwa GCG, NPF, dan BOPO secara bersama-sama memberikan pengaruh yang berarti terhadap kinerja keuangan bank syariah, yang diukur melalui ROA.
Analisis Faktor-Faktor yang Mempengaruhi Volume Penempatan Dana Perbankan Syariah pada Sertifikat Bank Indonesia Syariah Baroroh, Hilmy
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 1 No. 1 (2019): Jurnal At Tamwil, Maret 2019
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v1i1.738

Abstract

Bank-bank syariah semakin berhati-hati dalam menempatkan dananya terutama pada sektor pembiayaan sejak krisis moneter melanda Indonesia, hal ini berakibat pada menumpuknya dana pada Perbankan Syariah. Selain itu, minat masyarakat yang terus meningkat dalam menitipkan dana pada Perbankan Syariah juga mengakibatkan overlikuiditas pada Perbankan Syariah. Untuk mengatasi overlikuiditas Perbankan Syariah dapat menyalurkan dana pada instrumen keuangan yang memiliki risiko minimal dan tingkat imbal hasil yang kompetitif. Perbankan Syariah dapat memilih Sertifikat Bank Indonesia Syariah (SBIS) sebagai alternatif penyaluran kelebihan dananya. SBIS merupakan salah satu instrumen keuangan dari BI yang memiliki tingkat imbal hasil dan menggunakan akad ju’alah. Pokok masalah pada penelitian ini yaitu seberapa besar pengaruh DPK, FDR, dan NPF terhadap volume penempatan dana Perbankan Syariah pada Sertifikat Bank Indonesia Syariah (SBIS). Penelitian ini menggunakan regresi linier berganda sebagai teknik analisis. Data yang digunakan adalah data volume SBIS periode 2009-2013 yang diperoleh dari laporan Bank Indonesia. Hasil yang diperoleh dari penelitian ini adalah DPK berpengaruh positif signifikan dengan koefisien regresi sebesar 1702.808 dan signifikansi sebesar 0.014. Sedangkan variabel FDR dan NPF tidak berpengaruh signifikan terhadap volume penempatan dana Perbankan Syariah pada Sertifikat Bank Indonesia Syariah (SBIS).
Kinerja Pembiayaan Perbankan Syariah: Indikasi Moral Hazard Baroroh, Hilmy
Al-Mal: Jurnal Akuntansi dan Keuangan Islam Vol. 1 No. 1 (2020): Juni 2020
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mal.v1i1.5324

Abstract

Penelitian ini bertujuan untuk menganalisis indikasi moral hazard dengan melakukan uji pengaruh pada kinerja pembiayaan perbankan syariah dengan indikator kredit macet atau NPF. Studi kasus pada perbankan syariah periode 2010-2015 dengan menggunakan metode ECM untuk mengetahui pengaruh jangka panjang dan jangka pendek suatu variabel. Hasil dari penelitian ini menunjukkan bahwa GDP dalam jangka panjang berpengaruh positif terhadap kredit macet sehingga hal ini berindikasi adanya moral hazard. Namun, inflasi dan rasio margin terhadap bagi hasil tidak berpengaruh terhadap NPF. Selain itu, pada FDR dan rasio alokasi pembiayaan dalam jangka pendek maupun jangka panjang tidak terdapat indikasi moral hazard. Keterabatasan pada penelitian ini terletak pada varaibel yang mempengaruhi moral hazard dipengaruhi oleh variabel kinerja pembiayaan perbankan syari’ah sehingga membuka peluang bagi peneliti-peneliti lainnya untuk melakukan penelitian lebih mendalam berkaitan dengan indikasi moral hazard. Implikasi penelitian yaitu untuk menambah khasanah ilmu pengetahuan berkaitan dengan indikasi moral hazard yang bisa terjadi ketika adanya kinerja pembiayaan perbankan syariah yang buruk.
The Influence of Accountability, Website Security, and Social Influence on Donation Intention in Crowdfunding: The Mediating Role of Trust Nurul Aini Br Purba; Moh Shadam Taqiyyuddin Azka; Hilmy Baroroh
Journal of Accounting Inquiry Vol. 4 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jai.2025.4.1.033-055

Abstract

Purpose: This study aims to examine the influence of accountability, website security, and social influence on donation intentions in “Dompet Dhuafa” crowdfunding, with trust serving as a mediating variable. Method: This is a quantitative study, utilising data collection through a questionnaire. The sampling technique employed was non-probability sampling, with a total of 130 respondents, all of whom were young Muslim individuals. This group was chosen due to their growing engagement with digital platforms and their increasing role as active donors in online Islamic philanthropy. Focusing on young Muslims also distinguishes this study from previous research, which often overlooks age-specific behavioural dynamics in crowdfunding contexts. The research was analysed using the Partial Least Square-Structural Equation Modelling (PLS-SEM) approach with the aid of the SmartPLS 4 analytical tool. Finding: The results showed that accountability and website security have a significant direct effect on donation intentions and trust, while social influence does not affect donation intentions but has a significant impact on trust. Based on the indirect effect test, trust was found to mediate the relationship between accountability, website security, social influence, and donation intentions. Novelty: These findings will create a gap that will be evaluated for consistency in elucidating their impact on an individual's intention to donate online.