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Journal : Jeksyah

Effect of Inflation and BI Rate on Murabahah Financing in PT. Bank Syariah Indonesia Nurfitriani; Rizaldi, Moh; Tanyong, A-aeso
Jeksyah: Islamic Economics Journal Vol. 2 No. 02 (2022): September 2022 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (936.875 KB) | DOI: 10.54045/jeksyah.v2i02.76

Abstract

This study uses a quantitative approach, the population of this study is all reports of murabahah financing in 2016-April 2021, the instrument used is documentation. The results of this study indicate that partially inflation has no significant effect on Murabahah Financing for the period 2016 to April 2021. The Tcount value of inflation is smaller than Ttable (-0.986 <2.017) and a significance value greater than a (0.05) indicates that inflation does not have a significant effect on Murabahah Financing in the period 2016 to April 2021, and the BI Rate does not have a significant effect on Murabahah Financing for the period 2016 to April 2021, this is proven by the Tcount value of inflation which is smaller than the Ttable value (1.734<2.017) and the significance value which is greater than a (0.05) i.e. (0.088>0.05) indicates that the BI Rate has no significant effect on Murabahah Financing in the 2016 – April 2021 period. Simultaneously or together, Inflation and the BI Rate have a significant positive effect. on Murabahah Financing for the period 2016 to April 2021. The magnitude of the influence of Inflation and the BI Rate is together with Murabahah Financing, the coefficient of determination (Adjusted R) is 0.88 or 88%, while the remaining 12% is explained by other variables not examined in this study.
The Role of Zakat, Infaq, and Shadaqah In Shaping Indonesia's Macroeconomic Landscape: A Five-Year Study Nurfitriani
Jeksyah: Islamic Economics Journal Vol. 4 No. 02 (2024): September 2024 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v4i02.1770

Abstract

The aim of this research is to analyze the impact of Zakat, Infak, and Shadaqah (ZIS) on the macroeconomy (poverty, unemployment, HDI, Gini ratio, and GDP) in Indonesia and to evaluate the effectiveness of BAZNAS's management of ZIS in reducing poverty and enhancing community welfare. Data from 29 provinces in Indonesia were analyzed using a combination of econometric models, including Fixed Effect Models (FEM) and Random Effect Models (REM), to account for both time-invariant and time-varying factors. The research also employed regression analysis to determine the impact of ZIS on various economic and social variables. The results show that ZIS has a significant impact on various economic and social aspects. ZIS can explain 99.8% of GDP variability, indicating a substantial contribution to economic growth. Additionally, ZIS significantly impacts unemployment (11.6%), poverty (4.3%), and income inequality (96.6%). Finally, ZIS shows a very strong positive impact on the Human Development Index (HDI) with an adjusted R-squared of 98.7%. However, the results also indicate that other factors influence unemployment and poverty, requiring additional approaches to address these issues. Overall, ZIS can be an effective strategy for improving community welfare and reducing social inequality.