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<![CDATA[Analisis Stress test pada Perbankan Syariah di Indonesia ]]>
<![CDATA[Agustin, Lola Aldila]]>;
<![CDATA[Wiranatakusuma, Dimas Bagus]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 1, No 2 (2017) ]]>
Publisher : <![CDATA[Program Studi Ekonomi FEB UMY ]]>
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DOI: 10.18196/jerss.v1i2.9063
<![CDATA[Bank pada dasarnya adalah entitas yang melakukan penghimpunan dana dari masyarakat dalam bentuk pembiayaan atau dengan kata lain melaksanakan fungsi intermediasi keuangan. Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor apa saja yang mempengaruhi NPF dan untuk mengetahui bagaimana skenario shock ada perbankan Syariah di Indonesia. Objek pada penelitian ini adalah Bank Umum Syariah dan Unit Usaha Syariah. Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh dari Bank Indonesia dan Otoritas Jasa Keuangan. Sampel data yang digunakan adalah laporan bulanan statistik perbankan Syariah pada periode bulan Januari 2010 – Desember 2014. Metode analisis yang digunakan adalah analisis linear berganda dan analisis stress test. Berdasarkan analisis yang telah dilakukan dapat diperoleh hasil bahwa CAR berpengaruh negatif dan signifikan, ROA berpengaruh negatif dan tidak signifikan, FDR berpengaruh negatif dan signifikan, dan BOPO berpengaruh positif dan signifikan terhadap NPF. Pada analisis stress test berupa skenario analisis diperoleh bahwa besarnya variabel yang dapat mentoleransi shock adalah CAR sebesar 12,23% - 20,23%, FDR sebesar 87,13% - 104,83%, dan BOPO sebesar 73,95% - 91,90% agar stabilitas perbankan Syariah tetap terjaga]]>
<![CDATA[Analisis Sistem Deteksi Dini Terhadap Krisis Nilai Tukar di Indonesia ]]>
<![CDATA[Abdurrahman, Muhammad Rizal]]>;
<![CDATA[Wiranatakusuma, Dimas Bagus]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 1, No 2 (2017) ]]>
Publisher : <![CDATA[Program Studi Ekonomi FEB UMY ]]>
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DOI: 10.18196/jerss.v1i2.9066
<![CDATA[Krisis keuangan yang terjadi pada tahun 1997/1998 dan krisis keuangan global pada tahun 2008 memberikan pelajaran yang sangat berharga akan pentingnya untuk membangun sistem deteksi dini sebelum terjadinya krisis, khususnya krisis nilai tukar di Indonesia. Penelitian ini bertujuan untuk membangun sistem deteksi dini krisis nilai tukar di Indonesia dengan menghitung indeks krisis nilai tukar dan menentukan variabel apa saja yang dapat menjadi leading indicators dalam krisis nilai tukar. Data yang digunakan dalam penelitian ini yaitu data sekunder time series bulanan dari tahun 1995M01-2015M12. Variabel yang digunakan untuk membentuk Currency Crises Index (CCI) yaitu cadangan devisa dan nilai tukar. Variabel penelitian yang digunakan dalam penelitian ini yaitu suku bunga internasional (US), nilai tukar riil, harga minyak dunia dan M2/cadangan devisa. Model analisis yang digunakan yaitu metode pendekatan sinyal (signal approach). Hasil penelitian menunjukkan bahwa, Indonesia telah mengalami empat periode krisis nilai tukar yakni pada tahun 1997-1998, 1999, 2001 dan 2008. Terdapat dua variabel yang dapat menjadi leading indicators atau pemicu potensi terjadinya krisis nilai tukar di Indonesia yaitu variabel suku bunga internasional (US) dan nilai tukar riil. Oleh karena itu, Bank Indonesia harus berhati-hati dalam mengambil kebijakan terkait penentuan suku bunga domestik dengan mempertimbangkan kondisi inflasi dalam negeri dan tetap menjaga kestabilan makro ekonomi, agar dapat meminimalisir dampak dari kenaikan suku bunga internasional (US interest rate) dan nilai tukar riil.]]>
<![CDATA[The Influence of Service Quality, Price, Corporate Image, and Location Towards Customer Satisfaction on Autocare Universitas Muhammadiyah Yogyakarta ]]>
<![CDATA[Amini, Dwi Kurniawati]]>;
<![CDATA[Wiranatakusuma, Dimas Bagus]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 4, No 1 (2020) ]]>
Publisher : <![CDATA[Program Studi Ekonomi FEB UMY ]]>
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DOI: 10.18196/jerss.040117
<![CDATA[This study aims to analyze the Influence of Service Quality, Price, Corporate Image, and Location towards Customer Satisfaction on Autocare Universitas Muhammadiyah Yogyakarta. This study uses a quantitative approach. The data used is primary data obtained by distributing questionnaires to the customers of Autocare UMY to 99 respondents. The method of sample collection uses a purposive sampling technique. The technique of data analysis that used in this study to process the data is multiple linear regression. The results of this study indicates that all independent variables namely Service Quality, Price, Corporate Image, and Location has a positive and significant influence on the dependent variable, namely Customer Satisfaction both simultaneously and partially.]]>
<![CDATA[Analisis Macro Stress-Testing terhadap Perbankan di Indonesia ]]>
<![CDATA[Achmad, Animsar]]>;
<![CDATA[Wiranatakusuma, Dimas Bagus]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 2, No 1 (2018) ]]>
Publisher : <![CDATA[Program Studi Ekonomi FEB UMY ]]>
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DOI: 10.18196/jerss.v2i1.9945
<![CDATA[Sektor perbankan merupakan sarana dalam menunjang pembangunan suatu negara. Sektor perbankan menjadi salah satu lembaga pembiayaan bagi masyarakat. Terjadinya krisis ekonomi dan keuangan yang disebabkan oleh faktor makroekonomi akan berdampak pada kestabilan kondisi perbankan. Hal tersebut biasanya bermula dari meningkatnya risiko kredit yang bermasalah, sehingga akan mengganggu sistem perbankan yang ada. Penelitian ini menggunakan metode stress test dengan memanfaatkan instrumen vector autoregressive (VAR) yaitu impulse response function (IRF). Variabel yang digunakan dalam penelitian ini adalah non performing loan (NPL) sebagai variabel terikat dan sebagai variabel bebas yaitu inflasi, PDB, BI rate, kurs, dan harga minyak dunia. Hasilnya menunjukkan bahwa guncangan pada variabel inflasi dan BI rate berpengaruh terhadap respon NPL yang relatif tinggi. Sedangkan secara simultan, kombinasi guncangan dari varibel inflasi, kurs, dan harga minyak dunia, memiliki pengaruh yang sangat besar terhadap NPL yang relatif tinggi.]]>
<![CDATA[KAJIAN KONSEP RASIONAL DAN MASLAHAH DALAM PENGEMBANGAN PERBANKAN SYARIAH: STUDI PERBANDINGAN ANTARA INDONESIA DAN MALAYSIA ]]>
<![CDATA[Wiranatakusuma, Dimas Bagus]]>;
<![CDATA[Muqorobin, Masyhudi]]>;
<![CDATA[Yuliadi, Imamudin]]>
<![CDATA[ Jurnal Ekonomi & Studi Pembangunan JESP Volume 17 Nomor 1, April 2016 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jesp.17.1.3777
<![CDATA[The main idea about preference and utility in Islamic perspective is to describe consumer behavior in accordance with the concept of maslahah. This essay tries to replicate the concept of maslahah by dividing into good deeds (G) and bad deeds (B) with certain limits of ability (A). The Hicksian and Marshallian demand function is used to recover the problem by taking the comparison of Islamic banking objects between Indonesia and Malaysia. This paper uses several selected variables to measure the function of Masahah (M) as well as the ability (A). Empirically, the variables used to measure the function of Masahah are savings, financing, and yield rate. In addition, the Cobb-Douglas (CD) utility function is used to describe the maslahah model. The study results show that Indonesia has a bigger problem compared to Malaysia based on its Shariah banking practices. However, more business has to be done by the Sharia Bank in Indonesia to maintain the maslahah level than in Malaysia because maslahah is seen as a manifestation of good effort (Eg).]]>
<![CDATA[BUILDING THE INDEX OF RESILIENCE FOR ISLAMIC BANKING IN INDONESIA: A PRELIMINARY RESEARCH ]]>
<![CDATA[Arumsari, Fanny]]>;
<![CDATA[Wiranatakusuma, Dimas Bagus]]>;
<![CDATA[Ahmad, Abu Umar Faruq]]>
<![CDATA[ International Journal of Islamic Economics and Finance (IJIEF) Vol 1, No 1 (2018): IJIEF Vol 1 (1), July 2018 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/ijief.115
<![CDATA[The 2007-2008 global financial crises had brought severe financial instability in financial institutions, and since then it became more complex and irreparable. Therefore, it has become inevitable to examine various tools that can monitor resilience of these financial institutions, especially the banking system that plays significant role in economic development of a country. Although Islamic banking operates in the same financial environment, its distinguishing features and fundamental differences demand different treatment in building resilience. The scope of existing literature of banking surveillance tools is either to some extent, mostly limited to banking sector in general, or it is dominated by partial developments. Hence, there is a significant gap that lies in the literature to address the specificity of Islamic and conventional  banking surveillance tools analysis to build resilience that can contribute to reduce the span of financial instability in a country. This study seeks to explore to fill in this gap in Indonesian jurisdiction. The study finds that optimum resilience level of Shari`ah banking in Indonesia exists in specific range as a result of the contribution that is made by each and  every indicator. The study also attempts to find a way to trace some indicators that could effectively contribute to prevent the instability of Shari`ah compliant banking system in Indonesia. ]]>
<![CDATA[CONSTRUCTING ISLAMIC BANKING RESILIENCE INDEX IN INDONESIA ]]>
<![CDATA[Wiranatakusuma, Dimas Bagus]]>
<![CDATA[ Journal of Islamic Monetary Economics and Finance Vol 3 (2018): SPECIAL ISSUE ]]>
Publisher : <![CDATA[Bank Indonesia ]]>
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DOI: 10.21098/jimf.v3i0.760
<![CDATA[Islamic banking plays critical roles in providing many essential economic functions and services to the entire financial system and the overall economy. Thus, a strong and the resilience of Islamic banking is the foundation and pre-condition for achieving sustainable economic growth, given that banks are at the centre of the credit intermediation process between savers and investors. One of the main causes of past financial crisis was that the banking sector had built up excessive both on-and-off balance sheet levereage. To address such financial crisis, the resilience of Islamic banking needs to be developed. Therefore, this paper searches the level of resilience of Islamic banking by building the Islamic Banking Resilience Index (IBRI). The level of resilience is analyzed through the construction of the composite index. The composite is compiled on the basis of several single variables index. Its construction follows an ideal sequence of five steps: theoretical framework, data selection, normalization, weighting and aggregation, and visualization of the result. Twelve variables are used to construct the composite index by using monthly data since January 2010 until December 2016. The composite index is able to figure out the resilience level of Islamic banking in Indonesia over periods of observation. At the resilience level, Islamic banking is able to deal with shocks and stresses, while keep providing financial services. The level of resilience is capable of preserving the elements of banking sector not failing from both crash and stagnation phase. Therefore, construction of IBRI is important as surveillance tools and underlying reason for further policy response and implementation. The composite index, represented by IBRI, is able to show the level of resilience of Islamic banking in Indonesia. The paper finally suggests that the resilience of Islamic banking requires a solid capital and liquidity management in order to provide a stronger ability in absorbing shocks and promoting financial services.]]>
<![CDATA[Halal Tourism Power: Analysis the Effect of Perceptions and Interests on Tourist Attitudes in Visiting Halal Tourism ]]>
<![CDATA[Rizki, Mochamad]]>;
<![CDATA[Wiranatakusuma, Dimas Bagus]]>
<![CDATA[ Proceeding Universitas Muhammadiyah Yogyakarta Graduate Conference Vol. 1 No. 1 (2020): Armoring the Youth to Contribute to the SDGs ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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<![CDATA[Halal issue is the impotant part in Islam. In the past few decades, halal industries have undergone evolution as the Islamic economy developed in the world and one of them is in the tourism sector, namely halal tourism as a means of building awareness of the economic potential, culture and noble Islamic civilization. The existence of tourism is very closely related to sustainable development goals. The existence of tourism will help both directly and indirectly in achieving the SDGs. Well-managed tourism will affect the following targets: eradication of poverty and hunger, capital for the development of better public health, the emergence of innovation and supporting industries, spur more responsible consumption and production. Of course this attracts a lot of attention from tourists to visit this sharia tourism. If we seen in economics standpoint, tourism certainly has a very high influence on economic growth because tourism itself is part of the development sector that can spur economic growth. Therefore, this study aims to investigate the effect of perceptions and interest of halal tourism on tourist attitudes in visiting halal tourism. This paper uses quantitative approach. This study used primary data by a paper-based survey in the Google form. The data were analyzed using IBM SPSS Statistics 20. The data analysis model used in this study is a Multiple Regression analysis and the data will analized using explanatory descriptive analysis methods. The result from this research we can conclude that the consumer is undestand about halal tourism and consumer interest in halal tourism so it can influence to attitudes consumer to vistiting halal tourism in future.]]>
<![CDATA[THE RELATIONSHIP BETWEEN ISLAMIC BUSINESS STUDENTS AND¬ THE USE OF ISLAMIC BANKS ]]>
<![CDATA[Kurniawan, Rifqi IR Caesario]]>;
<![CDATA[Wiranatakusuma, Dimas Bagus]]>
<![CDATA[ Proceedings of Universitas Muhammadiyah Yogyakarta Graduate Conference Vol. 1 No. 1 (2021): Engaging Youth in Community Development to Strengthen Nation's Welfare ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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<![CDATA[Today the development of Islamic banking has begun to gain public trust as customers of Islamic banks. Indonesia as a country with a Muslim community can encourage the advancement of Islamic banking. The development of Islamic banking cannot be separated from the understanding possessed by each generation in its time. The understanding possessed will affect the growth of the Islamic banking sector, cannot be separated from the role of students who study Islamic banking in using Islamic banks. This study entitled THE RELATIONSHIP BETWEEN ISLAMIC BUSINESS STUDENTS AND THE USE OF ISLAMIC BANKS aims to determine whether there is a relationship between students studying Islamic economics with their interest in using Islamic banks as accounts. This study uses a quantitative method by distributing questionnaires to student respondents at various universities in Indonesia. The results of the questionnaires that have been filled in by respondents were analyzed using SPSS 25 software with a quantitative descriptive method. The results of this study have a strong positive correlation on independent variables: variables X1 (Learning Islamic Economics), variables X2 (Information Sources), and variables X3 (Sources of Advice) on dependent variable Y (Interest in Using Islamic Banks). This study ensures that knowledge can encourage student interest in using Islamic banks.]]>
<![CDATA[Analysis Of Factors That Influence the Interest in Saving in Islamic Banks in Muhammadiyah University Students Yogyakarta ]]>
<![CDATA[Danuarta, Arya Dwi]]>;
<![CDATA[Wiranatakusuma, Dimas Bagus]]>;
<![CDATA[Nurulhuda, Muhammad Farras Haykar]]>
<![CDATA[ Proceedings of Universitas Muhammadiyah Yogyakarta Graduate Conference Vol. 3 No. 1 (2023): Crafting Innovation for Global Benefit ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/umygrace.v3i1.571
<![CDATA[Islamic banks are currently preferably chosen by public in storing assets or in banking activities over conventional banks. This study aims to reveal students' interest in saving and the factors influence students' interest in saving in Islamic banks. This research uses a qualitative method that involves interviews with students of Universitas Muhammadiyah Yogyakarta who store assets and carry out banking activities at Islamic banks. The findings can be interpreted that students choose banking activities at Islamic banks because of good services the banks provide, namely the easiness to access, available mobile banking, and in accordance with Islamic principles that avoid usury, gharar, maysir, haram and unjust. The factors that influence students to save in Islamic banks are service factors, Islamic factors, and needs factors.]]>
