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All Journal Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam IQTISHADIA Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam Jurnal ASPIKOM Varia Justicia Ihtifaz: Journal of Islamic Economics, Finance, and Banking JESI (Jurnal Ekonomi Syariah Indonesia) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Community Empowerment NUSRA: Jurnal Penelitian dan Ilmu Pendidikan Automotive Experiences Cakrawala: Jurnal Studi Islam Urecol Journal. Part B: Economics and Business Urecol Journal. Part H: Social, Art, and Humanities Prosiding University Research Colloquium CHANNEL: Jurnal Komunikasi
Zulfikar Bagus Pambuko
Universitas Muhammadiyah Magelang, Magelang, Indonesia
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Islamic Banks’ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia Pambuko, Zulfikar Bagus; Ichsan, Nur; Anto, MB. Hendrie
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3346

Abstract

The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is more stable and safe way of financing than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.
Kebijakan Spin-off dan Efisiensi Perbankan Syariah di Indonesia Pambuko, Zulfikar Bagus
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 1 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3384.136 KB) | DOI: 10.12928/ijiefb.v2i1.822

Abstract

The study aims to analyse the spin-off policies’ impact on the Islamic banks’ efficiency in Indonesia. The study was conducted on five spin-off Islamic banks and efficiency were measured by the BOPO ratio. The research variables used were dummy spin-off, ROA, FDR, and economic growth. Data analysis used panel data regression on annual data from 2008 to 2018. The results suggest that, first, the implementation of spin-off policy significantly increased the operational efficiency of Islamic banking. Second, ROA also has a negative effect on efficiency. Third, FDR and economic growth have no significant effect on the Islamic banks’ efficiency in Indonesia.
Islamic Banks’ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia Pambuko, Zulfikar Bagus; Ichsan, Nur; Anto, MB. Hendrie
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3346

Abstract

The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is more stable and safe way of financing than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.
Optimalisasi Zakat Hasil Pertanian di Dusun Kebondalem, Bandarsedayu, Windusari, Magelang Pambuko, Zulfikar Bagus; Asyifa, Aulia Nurul; Indriastuti, Shafa Amalia; Zahidah, Zulfa Adzkia; Laela, Fitri Nur; Sofia, Upi
Community Empowerment Vol 5 No 2 (2020)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (316.903 KB) | DOI: 10.31603/ce.v5i2.3832

Abstract

Kegiatan pengabdian ini ditujukan untuk mengedukasi masyarakat tentang kewajiban membayar zakat hasil pertanian. Kegiatan ini dilaksanakan di Dusun Kebondalem, Desa Bandarsedayu, Kecamatan Windusari, Kabupaten Magelang dengan melibatkan jamaah yasinan bapak-bapak dan ibu-ibu. Kegiatan ini menggunakan pendekatan Participatory Rural Appraisal yang dilakukan dengan tiga tahapan, yaitu sosialisasi, pelatihan, dan pendampingan. Hasil dari kegiatan pengabdian ini adalah pemahaman masyarakat tentang konsep zakat hasil pertanian telah meningkat dan berkomitmen untuk mengimplementasikannya. Hal ini diketahui dari pengukuran akhir yang dilaksanakan oleh tim bahwa 6 dari 10 pertanyaan yang diajukan telah mampu dijawab sempurna oleh seluruh warga yang mengikuti pelatihan.
Katalog Digital MitraMu untuk Memperluas Jangkauan Promosi Produk UMKM di Bandongan, Magelang Pambuko, Zulfikar Bagus; Salma, Tia Fakhira; Wijayanti, Ema; Sholihin, Taufik; Ismailah, Nur; Rochman, Nur
Community Empowerment Vol 5 No 3 (2020): Special Issue
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (340.562 KB) | DOI: 10.31603/ce.3833

Abstract

Kegiatan pengabdian ini ditujukan untuk membantu UMKM dalam memperluas jangkauan usahanya melalui katalog digital MitraMu yang dikelola oleh LazisMu Bandongan, Magelang. Kegiatan ini dilakukan dengan empat tahapan, yaitu pembekalan, pendataan, pemetaan dan penyusunan company profile, dan pengunggahan di aplikasi MitraMu. Kegiatan pembekalan dilakukan dengan pengenalan kondisi UMKM di wilayah Bandongan, pengenalan aplikasi MitraMu, dan pelatihan fotografi digital. Kegiatan pendataan dilakukan dengan pengumpulan seluruh informasi penting tentang UMKM dalam bentuk deskripsi, gambar, dan video dari 15 UMKM yang tersebar di tiga wilayah, yaitu, Dusun Salam Sambirejo, Beran Kidul, dan Beran Lor. Kegiatan pemetaan dan penyusunan company profile dilakukan dengan pembuatan logo, video promosi, dan mengunggahnya di YouTube. Selanjutnya adalah pengunggahan seluruh company profile pada aplikasi MitraMu yang dapat diakses langsung oleh masyarakat. Selain dari kegiatan pengabdian ini, tim PPMT juga berkolaborasi dengan LazisMu Bandongan dan Aisyiyah Bandongan dalam penanganan Covid-19.
Pembuatan Video Profil untuk Pemasyarakatan Program Wakaf Oksigen LazisMu Bandongan Pambuko, Zulfikar Bagus; Widyastiti, Sekar Aji; Rohman, Riza Nurfittria; Utami, Siti Lailatul; Adam, Nabilah; Rokhmah, Khoirul Nuzulur
Community Empowerment Vol 6 No 2 (2021)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (510.852 KB) | DOI: 10.31603/ce.4307

Abstract

LazisMu Bandongan sebagai salah satu lembaga zakat nasional yang berkhidmat dalam pemberdayaan terus melakukan inovasi guna meningkatkan kesejahteraan masyarakat. Salah satu inovasi yang dilakukan adalah pengembangan program wakaf oksigen sebagai upaya penghijauan untuk pelestarian lingkungan dan memberikan manfaat jangka Panjang bagi masyarakat dari tanah wakaf. Kegiatan pengabdian ini ditujukan membantu LazisMu Bandongan dalam Menyusun video profil program wakaf oksigen. Kegiatan ini dilaksanakan dalam beberapa tahapan, yaitu Forum Group Discussion (FGD), survei lokasi, pelatihan fotografi, dokumentasi, editing, dan finishing. Kegiatan pengabdian ini menghasilkan produk promosi digital berupa video profil untuk program wakaf oksigen. Pihak LazisMu telah menerima dan menyatakan kepuasan terhadap produk yang dihasilkan. Melalui video profil tersebut, LazisMu Bandongan dapat mempromosikan dan mengenalkan program wakaf oksigen kepada masyarakat luas. Melalui video profil tersebut, tim pengabdi berharap program wakaf oksigen dapat diketahui dengan baik oleh masyarakat dan mendorong minat masyarakat untuk berwakaf melalui program wakaf oksigen.
Short Movie Baitul Maal Kebonwage untuk Bangun Kesadaran Masyarakat Desa dalam Membayar Zakat Pambuko, Zulfikar Bagus; Firman, Firman; Setiyawan, Ardi; Lestari, Meliana Eka Puji; Maulidiah, Zakiyatul; Wulandari, Aulia Putri
Community Empowerment Vol 6 No 4 (2021)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (404.901 KB) | DOI: 10.31603/ce.4326

Abstract

LazisMu Bandongan memiliki program dalam mengenalkan praktik baik pengelolaan zakat yang mengakar di masyarakat. Salah satunya adalah praktik Baitul Maal Kebonwage, yang merupakan binaan LazisMu Bandongan. Kegiatan pengabdian ini ditujukan mendukung LazisMu Bandongan dalam pembuatan short movie Baitul Maal Kebonwage. Kegiatan ini dilaksanakan dalam beberapa tahapan, yaitu Forum Group Discussion (FGD), survei lokasi, dokumentasi, editing, dan finishing. Kegiatan pengabdian ini menghasilkan produk promosi digital berupa short movie Baitul Maal Kebonwage. Pihak LazisMu telah menerima dan menyatakan kepuasan terhadap produk yang dihasilkan. Melalui video profil tersebut diharapkan dapat menginspirasi masyarakat luas tentang manfaat Baitul Maal dan menyadarkan masyarakat tentang arti penting berzakat. Dengan demikian, konsep Baitul Maal dapat direplikasi di daerah lain dan masyarakat yang mampu secara syariat semakin tergerak hatinya untuk membayar zakat, baik melalui Baitul Maal maupun Lembaga zakat lainnya.
The Effectiveness of Bank Aceh Syariah Conversion Decisions Pambuko, Zulfikar Bagus; Pramesti, Diesyana Ajeng
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.3494

Abstract

Abstract: Since 2008, Indonesia has had a particular policy for Islamic windows to spin off into full-fledged Islamic banks separate from their conventional parent if they meet the criteria. In the case of Bank Aceh Syariah, since Q3 2016, the spin-off has been done through a conversion mechanism from Bank Aceh to Bank Aceh Syariah. The study aims to analyze the effectiveness of conversion decisions in Bank Aceh Syariah. Non-parametric test with the Wilcoxon signed-rank is used to analyze the banking performance due to the conversion. The performance indicators tested in the study are capital adequacy, liquidity risk, profitability, and management efficiency over Q2 2014 until Q3 2018. The results suggest that the conversion decision of Bank Aceh Syariah is effective in correcting the non-performing financing (NPF) ratio but declining the level of profitability through ROA, ROE, and NOM ratio. Thus, the spin-off decision through the conversion mechanism needs to forecast the future financial performance and the effort to fulfill sharia compliance.Abstrak: Sejak 2008, Indonesia memiliki kebijakan khusus bagi perbankan syariah yang mewajibkan UUS untuk melakukan spin-off menjadi BUS yang terpisah dari bank konvensional induknya jika telah memenuhi kriteria. Pada kasus Bank Aceh Syariah, sejak kuartal III 2016 telah dilakukan spin-off melalui mekanisme konversi dari Bank Aceh menjadi Bank Aceh Syariah. Tujuan penelitian ini adalah untuk menganalisis efektivitas keputusan konversi Bank Aceh Syariah. Pengujian non parametrik dengan uji Wilcoxon digunakan untuk menganalisis kinerja keuangan akibat konversi. Indikator kinerja yang diuji dalam studi ini adalah permodalan, risiko likuiditas, profitabilitas, dan efisiensi manajemen pada periode Q2 2014 hingga Q3 2018. Hasil penelitian ini menunjukkan bahwa keputusan konversi Bank Aceh Syariah efektif dalam memperbaiki rasio pembiayaan bermasalah (NPF), namun menurunkan tingkat profitabilitas melalui ROA, ROE, dan NOM. Dengan demikian, keputusan spin-off melalui konversi perlu mempertimbangkan capaian kinerja keuangan di masa mendatang, selain sebagai upaya pemenuhan kepatuhan terhadap syariah.
The Effectiveness of Bank Aceh Syariah Conversion Decisions Zulfikar Bagus Pambuko; Diesyana Ajeng Pramesti
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.3494

Abstract

Abstract: Since 2008, Indonesia has had a particular policy for Islamic windows to spin off into full-fledged Islamic banks separate from their conventional parent if they meet the criteria. In the case of Bank Aceh Syariah, since Q3 2016, the spin-off has been done through a conversion mechanism from Bank Aceh to Bank Aceh Syariah. The study aims to analyze the effectiveness of conversion decisions in Bank Aceh Syariah. Non-parametric test with the Wilcoxon signed-rank is used to analyze the banking performance due to the conversion. The performance indicators tested in the study are capital adequacy, liquidity risk, profitability, and management efficiency over Q2 2014 until Q3 2018. The results suggest that the conversion decision of Bank Aceh Syariah is effective in correcting the non-performing financing (NPF) ratio but declining the level of profitability through ROA, ROE, and NOM ratio. Thus, the spin-off decision through the conversion mechanism needs to forecast the future financial performance and the effort to fulfill sharia compliance.Abstrak: Sejak 2008, Indonesia memiliki kebijakan khusus bagi perbankan syariah yang mewajibkan UUS untuk melakukan spin-off menjadi BUS yang terpisah dari bank konvensional induknya jika telah memenuhi kriteria. Pada kasus Bank Aceh Syariah, sejak kuartal III 2016 telah dilakukan spin-off melalui mekanisme konversi dari Bank Aceh menjadi Bank Aceh Syariah. Tujuan penelitian ini adalah untuk menganalisis efektivitas keputusan konversi Bank Aceh Syariah. Pengujian non parametrik dengan uji Wilcoxon digunakan untuk menganalisis kinerja keuangan akibat konversi. Indikator kinerja yang diuji dalam studi ini adalah permodalan, risiko likuiditas, profitabilitas, dan efisiensi manajemen pada periode Q2 2014 hingga Q3 2018. Hasil penelitian ini menunjukkan bahwa keputusan konversi Bank Aceh Syariah efektif dalam memperbaiki rasio pembiayaan bermasalah (NPF), namun menurunkan tingkat profitabilitas melalui ROA, ROE, dan NOM. Dengan demikian, keputusan spin-off melalui konversi perlu mempertimbangkan capaian kinerja keuangan di masa mendatang, selain sebagai upaya pemenuhan kepatuhan terhadap syariah.
Islamic Banks’ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia Zulfikar Bagus Pambuko; Nur Ichsan; MB. Hendrie Anto
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3346

Abstract

The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is more stable and safe way of financing than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.
Co-Authors Adam, Nabilah Akhmad Liana Amrul Haq Asyifa, Aulia Nurul Athia Fidian Aulia Putri Wulandari Azizah Nur Rafa K. A. Azizatul Islamiyah Bagus Sampurno Chrisna Bagus Edhita Praja Daffa Adi Praditama Dedik Fajar Nurkarim Devi Pujiyanti Diesyana Ajeng Pramesti Duddy Roesmara Donna Edy Subowo Elsa Ternanda Alsyifa Fadhil Lutfian Fahmi Medias Firman Firman Fitriana Yuliastuti Haq, Akhmad Liana Amrul Ichsan, Nur Ichsan, Nur Indriastuti, Shafa Amalia Ismailah, Nur Julia Maya Pitaloka Kharisma Amelia Nur’Aini Laela Safitri Laela, Fitri Nur Lestari, Meliana Eka Puji Lintang Muliawanti Marcin Noga Maulidiah, Zakiyatul MB Hendrie Anto Mei Lala Sari Missya Putri Kurnia Pradani Muhammad Arifiyanto Muhammad Ridhwan Ab. Aziz Muji Setiyo Najmi Laili Masrini Nur Cholis Nur Ichsan Nur Kholidah Nur Rochman Ramadhan Rizky Putra Retno Bagus Sayekti Rohman, Riza Nurfittria Rokhmah, Khoirul Nuzulur Rusdjijati, Retno Safitri, Hikmawati Fajri Devi Salma, Tia Fakhira Sambodo Sriadi Pinilih Sari, Yoana Puspita Sekar Aji Widyastiti Sekar Aji Widyastiti Sekarsukma Syifadhiya Setiyawan, Ardi Sholihin, Taufik Sofia, Upi Suherman Suherman Sumarno Adi Subrata Trianda Pratiwi Utami, Siti Lailatul Widyastiti, Sekar Aji Wijayanti, Ema Wulandari, Aulia Putri Zahidah, Zulfa Adzkia