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The Analysis of Inflation Effect, Interest Rate and Exchange Rate on Financing: Third-Party Funds as an Intervening Variable of Sharia Banking in Indonesia Bawono, Anton; Ulinnuha, Ulinnuha; Nasikin, Muhammad Kava
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

The purpose of this study was to determine the effect of inflation, interest rate and the exchange rate on financing, with third-party funds sharia banking as an intervening variable in Indonesia. This research uses quantitative research using path analysis as data analysis. The data of this study uses secondary data with the time series method which includes of total financing, mudharabah financing, musyarakah financing, murabahah financing, third-party funds, inflation, interest rates, exchange rate. The data have been obtained and analyzed using Eviews software tool version 6.The results of this study indicate that inflation, interest rates have not effect on total financing, mudharabah financing, musyarakah financing and murabahah financing. Exchange rate have a negativ and significant effect on musyarakah financing and have a positiv and significant effect on murabahah financing. Third-party funds have a positive and significant effect on total of financing, mudharabah financing, musyarakah financing and murabahah financing. The results of path analysis show that Third-Party funds cannot mediate the effect of inflation, interest rates and exchange rates the total financing, mudharabah financing, musyarakah financing and murabahah financing.

Strengthening Indonesia's Economic Growth with Islamic and non-Islamic Macroeconomic Variable Alifah, Eba Ismi; Bawono, Anton
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.2020.11.1.4907

Abstract:Â This research was conducted to determine the effect of taxes, Sukuk, grants, inflation, foreign debt, total financing, and the network of Islamic bank offices on Indonesia's economic growth. Research data for each variable is monthly from 2009-2018. Data analysis variables use Error Correction Model (ECM) Test and Autoregressive Conditional Heteroscedasticity (ARCH) Test with Eviews ver.10. The results showed that in the short and long term, variables taxes, Sukuk, inflation, foreign debt, total financing, and office networks of Islamic banks) affected the Indonesian economic growth. At the same time, grants have no significant effect on economic growth. For variable predictions in the next year (2019), only economic growth, grants, inflation, foreign debt, and network of Islamic bank offices can be predicted. Meanwhile, taxes, Sukuk, and total financing cannot be identified in 2019 because the variables are not significant in the ARCH analysis, so it cannot be diagnosed about future values. This result implies that the government and the community must continue to work together to manage state revenues used to fund productive projects to stimulate economic growth.Abstrak:Â Penelitian ini dilakukan untuk mengetahui pengaruh pajak, sukuk negara, hibah, inflasi, utang luar negeri, jumlah pembiayaan dan jaringan kantor bank syariah terhadap pertumbuhan ekonomi Indonesia. Data penelitian setiap variabel berupa bulanan dari tahun 2009-2018. Uji variabel penelitian menggunakan Uji Error Correction Model (ECM) dan Uji ARCH menggunakan Eviews ver.10. Hasil penelitian menunjukkan bahwa dalam jangka pendek maupun jangka panjang, variabel pajak, sukuk negara, inflasi, utang luar negeri, jumlah pembiayaan dan jaringan kantor bank syariah berpengaruh signifikan terhadap pertumbuhan ekonomi Indonesia. Sedangkan variabel hibah tidak berpengaruh secara signifikan terhadap pertumbuhan ekonomi. Untuk prediksi variabel di tahun berikutnya (tahun 2019), hanya variabel pertumbuhan ekonomi, hibah, inflasi, utang luar negeri dan jumlah jaringan kantor bank syariah yang dapat diprediksi, sedangkan pajak, sukuk negara, dan jumlah pembiayaan tidak dapat diketahui nilai perkembangannya di tahun 2019 karena variabel tersebut tidak signifikan pada analisis ARCH. Sehingga tidak dapat di diagnosa dalam bentuk ARCH untuk dilakukan forecast data agar diketahui tentang nilai di masa yang akan datang. Implikasi dari temuan ini adalah diperlukan upaya yang berkesinambungan dari pemerintah dan masyarakat dalam mengelola penerimaan negara yang dimanfaatkan untuk mendanai proyek yang produktif sehingga dapat mempercepat pertumbuhan ekonomi.Â

Determinant Factor that Influence Muslim Consumers to Choosing Restaurant: The role of Halal, Expectation and Attributes Bawono, Anton; Saputra, Yudi
IQTISHADIA Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.10989

Research related to halal food is dominated by halal manufactured products compared to halal restaurants products. Halal is a matter that concerns every aspect of Muslim life including food, it is important to know the factors that affect the purchase of restaurant product, in this case a halal restaurant. This research tries to find determinants of purchasing restaurant food in Indonesia. The model provide time dimension-based. Data collection was carried out through 438 questionnaires for Indonesian Muslim respondents and only 420 questionnaires could be analyzed. This research found that the halal label is not a direct variable that can influence restaurant food purchases. Men and women have different preferences in buying restaurant food. The results of this study are expected to be able to encourage restaurant manufacturers to adopt halal certification to increase sales. This research focuses on looking for determinants of restaurant food purchases, with time dimension-based modeling.

Determinant Factor that Influence Muslim Consumers to Choosing Restaurant: The role of Halal, Expectation and Attributes Bawono, Anton; Saputra, Yudi
IQTISHADIA Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.10989

Research related to halal food is dominated by halal manufactured products compared to halal restaurants products. Halal is a matter that concerns every aspect of Muslim life including food, it is important to know the factors that affect the purchase of restaurant product, in this case a halal restaurant. This research tries to find determinants of purchasing restaurant food in Indonesia. The model provide time dimension-based. Data collection was carried out through 438 questionnaires for Indonesian Muslim respondents and only 420 questionnaires could be analyzed. This research found that the halal label is not a direct variable that can influence restaurant food purchases. Men and women have different preferences in buying restaurant food. The results of this study are expected to be able to encourage restaurant manufacturers to adopt halal certification to increase sales. This research focuses on looking for determinants of restaurant food purchases, with time dimension-based modeling.

PENGARUH DPK, NPF DAN ZPR TERHADAP PROFITABILITAS DENGAN FDR SEBAGAI MODERASI Sari, Winda Novita; Bawono, Anton
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i2.969

Based on the phenomenon regarding the development of Return on Assets (ROA) in Islamic banking in Indonesia in recent years, which shows the occurrence of fluctuations in developments and descriptions of what factors influence the financial performance of Islamic banking based on existing theory, there is an inconsistency in this research, namely the use of the moderating variable, namely Financing to Deposit Ratio (FDR), to see the relationship between DPK, NPF, and ZPR on ROA. The results of this study show that DPK has a negative and significant effect on the profitability of Islamic commercial banks. Non-performance financing has a negative and insignificant effect on the profitability of Islamic commercial banks. ZPR has a negative and insignificant effect on the profitability of Islamic commercial banks. This is caused by the fact that most Islamic commercial banks payments of zakat are not yet perfect, namely 2.5% of their assets, which have reached the ratio. Or even not paying zakat at all. and for the variable financing deposit ratio, it is able to moderate the effect of DPK and NPF on the ROA of Islamic Commercial Banks. However, the financing deposit ratio variable is not able to moderate the effect of ZPR on the ROA of Islamic commercial banks. Which means FDR is not a moderating variable on the effect of ZPR on the ROA of Islamic commercial banks.Keywords: Profitability; ZPR; FDR

THE INFLUENCE OF FINANCIAL TARGET, INEFFECTIVE MONITORING, RATIONALIZATION AND DUALISM POSITION ON THE FRAUDULENT FINANCIAL STATEMENT WITH A AUDIT COMMITTEE AS A MODERATION ISLAMIC COMMERCIAL BANKS IN INDONESIA PERIOD 2015 – 2021 Sahri, Sahid Alfi; Bawono, Anton
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract This study has the intention to find out how the influence of financial target, ineffective monitoring, rationalization and dualism position on fraudulent financial statement with audit committees as a moderating variable in islamic commercial bank in Indonesia. In the research that has been carried out, the method used is quantitative by processing panel data obtained from the annual report for each islamic commercial bank. After conducting the test, the result obtained that the financial target variable has positive but not significant (no effect) on fraudulent financial statement. Ineffective monitoring has a negative but not significant (no effect) on fraudulent financial statement. Rationalization has a negative and significant effect on fraudulent financial statement. Dualism position has a negative and significant effect on fraudulent financial statement. The audit committee has a negative and not significant (no effect) on fraudulent financial statement. The audit committe was unable to moderate the effect of financial target on fraudulent financial statement. The audit committee was unable to moderate the effect of ineffective monitoring on fraudulent financial statement. The audit committee is able to moderate the effect of rationalization on fraudulent financial statement. The audit committee is able to moderate the effect of dualism position on fraudulent financial statement fraud. In conclusion, financial target, ineffective monitoring, rationalization dan dualism position have no effect on fraudulent financial statement. The audit committe was unable to moderate financial target dan ineffective monitoring and other variable cannot be moderated by committee audit.

Strategies to Inelasticize the Halal Food Industry in Indonesia Bawono, Anton; Waluyo, Agus; Widiyanto, Asfa
OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/oikonomika.v5i1.1194

This research has three main objectives. First, to analyze the potential and prospects of the halal food industry in Indonesia. Second, analyze the elasticity of the halal food industry in Indonesia. Finally, formulate a strategy to inelasticize the halal food industry in Indonesia. The research approach used in this study is mixed methods, which combines quantitative and qualitative research. There are several important findings in this study. First, the potential and projection of the halal food industry in Indonesia, which is based on estimates for 2021, continues to grow. Second, the factors that influence the demand for halal food in Indonesia are income, price, advertising, and halal labeling, and the highest -lowest short-term elasticity values are price elasticity, halal labeling, advertising, and income. Finally, the strategy to inelasticize the halal food industry in Indonesia is divided into two, namely priority strategies and supporting strategies. Priority strategies include: Maintain the stability of people's income; Increase production efficiency (technical efficiency and price efficiency); Improve the quality of Human Resources (HR) and technology improvement; Application of tax incentives; Improving the quality and quantity of advertising; Socialization of halal labeling; Halal certification management; Development of halal supply; Development of halal logistics. Supporting strategies consisting of Need for innovation in the development of halal food industry products; Guarantee of legal certainty and quality of halal food products; Increased ease of location and access; Service innovation; Improved facilities.

Konsep Produksi dan Uang Menurut Ibnu Kholdun dan Relevansinya pada Perekonomian di Indonesia Wahyudi, Catur; Bawono, Anton
Innovative: Journal Of Social Science Research Vol. 4 No. 6 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i6.16526

Many world economic scientists recognize the work of Ibn Khaldun, one of the leading Muslim figures. He is a highly developed figure and has contributed to the agenda of world civilization, especially Muslims. The purpose of this study is to study two of Ibn Khaldun's many works related to deeper economic issues, namely the theory of money and the theory of production, and how these things relate to the Indonesian economy. In this article, what is discussed is the figure of someone who has contributed to science through his widely distributed works and has been used as a reference by several writers of the next generation. Therefore, the librarian research method is used. The study found that although Ibn Khaldun said that money does not always have to consist of gold and silver, both are used to determine the value of money. The government has an obligation to maintain the value of the money printed. The government sets prices regularly. To be used in economic activities, money must flow, roll, and rotate in society. Therefore, Ibn Khaldun's view of money is a flow view and not a stock view. Money, on the other hand, can be used as a means of payment or to buy goods and services. not only to calculate price standards.

Halal Orientation Strategy To The Company's Financial Performance: A Study on the Halal Industry Considering Indonesian Culture Bawono, Anton; Pratama, Abdul Aziz Nugraha
Al-Tijary Vol 9 No 2 (2024): AL-TIJARY VOL. 9, NO. 2, JUNI 2024
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v9i2.9085

This study examines the influence of the halal orientation strategy on the financial performance of companies, especially MSMEs based on the halal culture in Indonesia as a direct variable and a moderating variable. MSMEs were chosen as the research object due to their large proportions in Indonesia. This study is a quantitative research using primary data collected through a survey. The survey was carried out on MSME owners in Joglosemar (Jogja, Solo, and Semarang) and the surrounding areas. The data was processed using SEM (Structural Equation Model) PLS (Partial Least Square) to find out the relationship between the variables used in the model. Based on the test results, halal culture has a positive and significant relationship to financial performance as a direct variable, but it has no relationship as a moderating variable. Another variable that shows a positive and significant relationship is employee engagement. This is one of the first studies examining the relationship between halal orientation strategies and company financial performance. The findings can encourage MSMEs to implement a halal orientation strategy as part of improving the company's financial performance by establishing a halal culture and increasing employee engagement. It is also one of the first studies in Indonesia that examine the halal orientation strategy with a focus on MSMEs comprehensively.

The Effect of Fiscal Decentralization, Gross Regional Domestic Product, Education, And Unemployment Rate on Poverty Levels with ZIS Funds (Zakat, Infaq, and Shodaqoh) as Moderating Variables in Kebumen Regency in 2013-2023 Affifa, Anis; Bawono, Anton
INCOME: Innovation of Economics and Management Vol. 4 No. 2 (2024): October
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v4i2.4994

This research is to determine the effect of the variables fiscal decentralization, gross regional domestic product, education, unemployment rate on poverty levels with zakat funds (zakat, infaq, and shodaqoh) as moderating variables in Kebumen district in 2013-2023. This research is quantitative research with secondary data in the form of time series data. The data obtained was further processed with eviews12. In this analysis, descriptive tests, stationary tests, classical assumption tests, statistical tests and MRA tests are used. The results of this research conclude that the variables fiscal decentralization, gross regional domestic product, education, unemployment rate do not show any influence on the poverty level. ZIS funds are unable to moderate fiscal decentralization, gross regional domestic product, education, unemployment rates. As well as the variables fiscal decentralization, gross regional domestic product, education, unemployment rate were removed from the regression model to cure multicollinearity.

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