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All Journal EKSPANSI Journal of Islamic Economics
Mauizhotul Hasanah
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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Bagaimana Kualitas Pinjaman Fintech P2P Lending Berdampak pada Minat Ulang Pinjaman UMKM? Safarinda Imani; Mauizhotul Hasanah
Journal of Islamic Economics (JoIE) Vol. 4 No. 1 (2024)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v4i1.9225

Abstract

Introduction: During the COVID-19 pandemic, many MSMEs struggled to continue their business due to capital and marketing difficulties. The fintech financing model has emerged as a new option, and its development under OJK supervision requires evaluation to determine its long-term or short-term effects. Research Methods: The study uses Vector Auto Regression (VAR) with Eviews9. Data includes primary and secondary sources. MSME Borrower interest is measured using a Likert scale, while Current Loan Ratio (X1) and Bad Loans Ratio (X2) are obtained from monthly P2P Lending fintech reports by OJK (2018-2020). Results: The cointegration test shows that Current Loan Ratio (X1) and Bad Loan Ratio (X2) do not have a long-term equilibrium with MSME Loan Interest (Y), indicated by the trace statistic being less than the critical value at 5%. The VAR model, using lag 1, indicates a negative relationship between Current Loan Ratio (X1) and Bad Loan Ratio (X2) with MSME Loan Interest (Y), with R-squared values of 0.377097 (38%) for Y, 0.458989 (46%) for X1, and 0.779722 (78%) for X2. Causality tests reveal no causal or two-way relationship between X1, X2, and Y. Conclusion: Non-performing loans do not have a long-term relationship with MSME borrowing interest. Many MSMEs fail to repay capital, discontinue their business, fail to make profits, go bankrupt, or do not understand P2P lending fintech procedures, complicating the process. Nevertheless, MSMEs can still repay or return capital per Fintech P2P lending regulations, despite occasional difficulties, especially during the COVID-19 pandemic.
Bagaimana Kualitas Pinjaman Fintech P2P Lending Berdampak pada Minat Ulang Pinjaman UMKM? Safarinda Imani; Mauizhotul Hasanah
Journal of Islamic Economics (JoIE) Vol. 4 No. 1 (2024)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v4i1.9225

Abstract

Introduction: During the COVID-19 pandemic, many MSMEs struggled to continue their business due to capital and marketing difficulties. The fintech financing model has emerged as a new option, and its development under OJK supervision requires evaluation to determine its long-term or short-term effects. Research Methods: The study uses Vector Auto Regression (VAR) with Eviews9. Data includes primary and secondary sources. MSME Borrower interest is measured using a Likert scale, while Current Loan Ratio (X1) and Bad Loans Ratio (X2) are obtained from monthly P2P Lending fintech reports by OJK (2018-2020). Results: The cointegration test shows that Current Loan Ratio (X1) and Bad Loan Ratio (X2) do not have a long-term equilibrium with MSME Loan Interest (Y), indicated by the trace statistic being less than the critical value at 5%. The VAR model, using lag 1, indicates a negative relationship between Current Loan Ratio (X1) and Bad Loan Ratio (X2) with MSME Loan Interest (Y), with R-squared values of 0.377097 (38%) for Y, 0.458989 (46%) for X1, and 0.779722 (78%) for X2. Causality tests reveal no causal or two-way relationship between X1, X2, and Y. Conclusion: Non-performing loans do not have a long-term relationship with MSME borrowing interest. Many MSMEs fail to repay capital, discontinue their business, fail to make profits, go bankrupt, or do not understand P2P lending fintech procedures, complicating the process. Nevertheless, MSMEs can still repay or return capital per Fintech P2P lending regulations, despite occasional difficulties, especially during the COVID-19 pandemic.
MEASUREMENT OF EFFICIENCY: AN EMPIRICAL OF ISLAMIC STOCK EXCHANGES IN OIC COUNTRIES Mauizhotul Hasanah; Faris Kurnia Hakim; Sri Herianingrum
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 18 No 1 (2026)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v18i1.6852

Abstract

The efficienct market is one of the benchmarks for investors, because investors need to monitor all information to consider investing decisions. This study aims to measure the level of efficiency in the Islamic stock exchanges of Islamic countries. The data used is secondary data using a sample of 6 Islamic countries that are members of the OIC in the January 2014-December 2018 period. The method used is the Stochastic Frontier Approach (SFA) with an analysis tool, namely the Frontier 4.1 software. The input variable used is Market Capitalization (KP) and Trading Volume (VP), while the output variable used is Individual Market Return (IMR). The results of this study indicate that during the study period there was no stock market that obtained a perfect efficiency value of one. The average result of the technical efficiency value of Islamic stock exchanges in Islamic countries is 0.9706, then based on ƴ of 0.38221 or 38%, it means that this inefficiency value needs to be optimized. . The country with the highest average technical efficiency value was in the UAE at 0.97173 and the country with the lowest average technical efficiency value was Saudi Arabia at 0.96939. Based on the classification of the overall countries operating efficiently, namely the UAE, Indonesia, and Iran, while the less efficient countries are Saudi Arabia, Kuwait, and Qatar.
Co-Authors Faris Kurnia Hakim Safarinda Imani Sri Herianingrum