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Asset Growth In Sharia Insurance: Macroeconomic and Internal Factors of Sharia Insurance Companies in Indonesia Hilmy Baroroh
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 13, No 2 (2021)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v13i2.9018

AbstractSharia insurance presents an alternative system in insurance operation with risk sharing in ta'awun (cooperative). Knowledge and insight into reality and trends are used to assess and decide sharia insurance operationalization policies. This study analyzed the growth of Islamic insurance company assets in Indonesia in 2016-2020. The data is sourced from the Sharia Financial Statement Statistics published by OJK and Bank Indonesia Statistics from 2016 - 2020 with multiple linear regression analysis methods. This research aims to find out the influence of internal variables and external variables on the assets growth of sharia insurance in Indonesia. In this study, there are two variables, namely dependent variables and independent variables. Dependent variables are the assets growth of sharia insurance in Indonesia (PERASSET), and independent variables, namely GDP (GDP), inflation (INF), contribution (KONB), investment (INVEST), and operating costs (BOPERATE). The results of this study GDP, Inflation, Contributes, and Investment affects Sharia insurance's assets growth. While operating costs do not affect the assets growth of sharia insurance companies.Keywords: Sharia Insurance, Asset Growth, GDP, Inflation, Contribution, Investment, Operating Costs

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

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

OPTIMALISASI MEDIA SOSIAL DAN WEBSITE SEBAGAI MEDIA PROMOSI DESA WISATA LOYOK: OPTIMALISASI MEDIA SOSIAL DAN WEBSITE SEBAGAI MEDIA PROMOSI DESA WISATA LOYOK Hilmy Baroroh; Fathur Haer; Maulina Yusfiani; Sri Vita Azhari; Wahyu Anggraini; Marini Marini
Jurnal Pengabdian Masyarakat Bumi Raflesia Vol. 5 No. 1 (2022): Jurnal Pengabdian Kepada Masyarakat Bumi Raflesia
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jpmbr.v5i1.3257

Desa Loyok adalah desa yang berlokasi di Kabupaten Lombok Timur. Desa ini memiliki potensi wisata alam dan ekonomi kreatif berupa kerajinan anyaman bambu. Desa Loyok memerlukan adanya suatu sistem untuk mempromosikan desa serta produk kerajinan anyamannya. Sumber daya manusia belum dapat memanfaatkan teknologi internet dengan baik. Metode pelaksanaan kegiatan ini diawali dengan observasi langsung ke lokasi, selanjutnya dilaksanakan juga kegiatan penyuluhan literasi digital yang tujuannya untuk memberikan pengetahuan dan wawasan tambahan terkait dengan digitalisasi marketing wisata dan produk-produk kerajinan Desa Loyok. Selain itu, kegiatan pembuatan media sosial dan website dilaksanakan selama satu minggu. Pada akhir kegiatan dilaksanakan launching website dan sosial media sebagai wadah digital marketing kerajinan dan wisata di Desa Loyok. Keyword: Digital Marketing, Desa Wisata, Kerajinan Bambu, Literasi Digital, Website

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

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

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

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

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.

Asset Growth In Sharia Insurance: Macroeconomic and Internal Factors of Sharia Insurance Companies in Indonesia Hilmy Baroroh
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 13, No 2 (2021)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v13i2.9018

AbstractSharia insurance presents an alternative system in insurance operation with risk sharing in ta'awun (cooperative). Knowledge and insight into reality and trends are used to assess and decide sharia insurance operationalization policies. This study analyzed the growth of Islamic insurance company assets in Indonesia in 2016-2020. The data is sourced from the Sharia Financial Statement Statistics published by OJK and Bank Indonesia Statistics from 2016 - 2020 with multiple linear regression analysis methods. This research aims to find out the influence of internal variables and external variables on the assets growth of sharia insurance in Indonesia. In this study, there are two variables, namely dependent variables and independent variables. Dependent variables are the assets growth of sharia insurance in Indonesia (PERASSET), and independent variables, namely GDP (GDP), inflation (INF), contribution (KONB), investment (INVEST), and operating costs (BOPERATE). The results of this study GDP, Inflation, Contributes, and Investment affects Sharia insurance's assets growth. While operating costs do not affect the assets growth of sharia insurance companies.Keywords: Sharia Insurance, Asset Growth, GDP, Inflation, Contribution, Investment, Operating Costs

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

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.

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