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All Journal Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal of Educational Review, Law And Social Sciences (IJERLAS) el-Amwal
Rifki Ismal
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Pengukuran Risiko Operasional Pada Bank Syariah Indonesia (Studi Kasus Bank Syariah XYZ) Yudi Yudiana; Didin Hafidhuddin; Rifki Ismal
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 4 No. 2 (2018): JABM Vol. 4 No. 2, Mei 2018
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.4.2.179

Abstract

The research aimed at calculating the Operational Value at Risk (OpVar) in estimating the probability of the frequency of losses at Sharia Bank of XYZ, analyzing and assessing the event types of operational risks which have a great contribution in the operational losses of the bank, and determining the efficiency levels of the operational value at risk of capital charges of the bank. Measurement of operational risk in this study was conducted using the Loss Distribution Approach (LDA) Aggregated Model, as one of the Advanced Measurement Approach (AMA) models, which theoretically produces more efficient capital charges. The results showed that the contribution of the biggest losses came from the events of business disruption and system failure, execution, delivery & process management and internal fraud. The calculation of the operational risk of the bank conducted using the LDA-Aggregate produced lower capital charges than those using the Basic Indicator Approach.Keywords: Islamic bank, operational risk measurement, advanced measurement approach, loss distribution approachAbstrak: Penelitian ini bertujuan melakukan perhitungan Operational Value at Risk (OpVaR) untuk mengestimasi peluang kejadian kerugian (probability of the frequency of losses) di bank syariah xyz; menganalisis dan mengevaluasi tipe kejadian risiko operasional yang berkontribusi besar pada kerugian operasional bank syariah xyz; menentukan besarnya tingkat efisiensi beban modal risiko operasional bank syariah xyz. Pengukuran risiko operasional dalam penelitian ini menggunakan Loss Distribution Approach (LDA) Aggregated Model sebagai salah satu internal model Advanced Measurement Approach (AMA) yang secara teori menghasilkan beban modal yang lebih efisien. Hasil penelitian menunjukkan kerugian terbesar terdapat pada tipe kejadian business disruption & system failure, execution, delivery & process management dan internal fraud. Perhitungan risiko operasional bank syariah xyz dengan menggunakan Metode LDA-Aggregate menghasilkan beban modal yang lebih rendah dibandingkan dengan penggunaan metode Basic Indicator Approach.Kata kunci: bank syariah, pengukuran risiko operasional, advanced measurement approach, loss distribution approach
Determinant of Sharia Bank's Financial Performance during the Covid-19 Pandemic Reza Nurul Ichsan; Sudirman Suparmin; Mohammad Yusuf; Rifki Ismal; Saleh Sitompul
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 1 (2021): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i1.1594

Abstract

Financial performance as a measuring instrument to know the process of implementing financial resources owned by the company. The Covid-19 pandemic has impacted the banking sector, resulting in poor financing due to debtors' disbursements as a result of the large number of people losing their jobs and difficulties in financing payments. This research aims to analyze the financial performance of Islamic Banks during the Covid-19 pandemic, using records of annual financial statements from 2011 to 2020 through Multiple Linear Regression testing and linearity testing of the model used ramsey test. As a result of this study, the results of the t test found that the Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Financing to Deposit Ratio (FDR) had a positive and significant effect on financial performance (ROA) while Not Performing Financing (NPF) had a negative and insignificant effect on financial performance (ROA). Furthermore, simultaneously capital adequacy ratio (CAR), Operating Costs to Operating Income (BOPO), Financing to Deposit Ratio (FDR) and Not Performing Financing (NPF) significantly influenced the financial performance (ROA) of Sharia banks in Indonesia.
MAQASID SHARIA IMPLEMENTATION IN MONETARY POLICY: A Literature Study Andri Soemitra; Rifki Ismal; Burhanuddin Al-Butary; Ismail Ismail; Arpizal Arpizal; Rijal Allamah Harahap
el-Amwal Vol 4, No 2 (2021): Volume 4 Nomor 2, September 2021
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v4i2.5863

Abstract

The Islamic economic system also contributes to the global economy, including in Indonesia. However, the extent to which the implementation of sharia maqasid in it still needs further research. This article tries to explore the extent of the implementation of maqasid sharia in monetary policy, especially in Indonesia. The methodology used is a literature study approach to 100 national and international journal articles, as well as books and other literature related to the implementation of the sharia maqasid. The main finding of this research is that Islamic maqasid is not only needed to formulate economic policies, both monetary, fiscal and financial policies, but also to create Islamic banking products and other real sectors
Optimal Portfolio Based Risk and Return of Corporate Sukuk in Indonesia Wahyu Rosid; Idqan Fahmi; Rifki Ismal
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6200

Abstract

This study aims to analyze the optimal portfolio of corporate sukuk in Indonesia using the risk return analysis approach and the CML (Capital Market Line) model in order to foster investor interest in investing in corporate sukuk instruments. This research was conducted using data throughout 2014 – 2018 and is divided into three measurement periods, namely the crisis period (2014-2016), post-crisis (2016-2018) and long-term (2014-2018), each period representing Indonesia's economic condition. and globally. The results showed that during the crisis period, sukuk with ijarah were superior both in risk and return compared to mudharabah, so that the optimal portfolio composition was to maximize the composition of ijarah. However, in the post-crisis period (improvement of economic conditions) and long-term measurements, the composition of the existing portfolio is more varied depending on the goals of each investor, either to maximize returns or to minimize risk. However, in the post-crisis period (improvement of economic conditions) and long-term measurements, the composition of the existing portfolio is more varied depending on the goals of each investor, either to maximize returns or to minimize risk. The optimal portfolio combination (referring to the benchmark rate) between sukuk mudharabah and sukuk ijarah is 0% mudharabah: 100% ijarah for the period 2014 – 2016 with a return rate of 3.9 and a risk of 0.49, 81% mudharabah : 19% ijarah for the period 2016 – 2018 with a return rate of 2.71 and a risk of 0.65, and 85% mudharabah: 15% ijarah for the period 2014 – 2018 with a return rate of 2.77 and a risk of 0.79. This combination can form an efficient frontier that provides a comparison of the same level of return and risk.
SHARIA BANKING PERFORMANCE INFLUENCED BY MONETARY POLICY Muhammad Salman; Andri Soemitra; Rifki Ismal
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 3 No. 1 (2023): January
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v3i1.606

Abstract

This article investigates in the literature the influence between Islamic banking performance and monetary policy. With the literature search method using Mendeley Desktop software. The results show that from the various literatures that examine monetary policy and Islamic banking performance, not much has been found that examines and links monetary policy to Islamic banking performance. The search results show that this research still has the potential to be re-examined empirically using both quantitative and qualitative methods, using both primary and secondary data.
Co-Authors Andri Soemitra Andri Soemitra Arpizal Burhanuddin Al-Butary Didin Hafidhuddin MS Idqan Fahmi Ismail Mohammad Yusuf Muhammad Salman Pratiwi, Ira Eka Reza Nurul Ichsan Rijal Allamah Harahap Saleh Sitompul Sudirman Suparmin Wahyu Rosid Yudi Yudiana