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All Journal Jurnal Ilmiah Ekonomi Islam International Journal of Economics, Business and Accounting Research (IJEBAR)
Taudlikhul Afkar
Fakultas Ekonomi dan Bisnis Universitas PGRI Adi Buana Surabaya Jl. Dukuh Menanggal XII/4 Surabaya
Economics, Econometrics & Finance Social Sciences

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Penyaluran Dana Bank Syariah Melalui Pembiayaan Murabahah, Istishna, dan Ijarah Sebelum dan Selama Pandemi Covid 19 Taudlikhul Afkar; Teguh Purwanto
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (294.185 KB) | DOI: 10.29040/jiei.v7i2.2423

Abstract

Impact of the Covid-19 pandemic in Indonesia is not only in the productive sector but has an impact on the financial sector such as conventional and Islamic financial institutions including banking. Islamic banks have business activities through murabaha, istishna', and ijara financing for sale and purchase and lease types. The impact felt by the banking sector can be seen from the existence of financing problems. The purpose of this research is to compare the conditions of sharia financing before and during the Covid-19 pandemic. The method used is the paired sample t-test with a sample of Islamic banks in Indonesia. The results show murabaha and istisna' financing has increased, while ijara financing has decreased during the Covid-19 pandemic.
Uji Beda Pembiayaan Bermasalah pada Pembiayaan Mudharabah dan Musyarakah Bank Umum Syariah di Indonesia Selama Pandemi Covid 19 Taudlikhul Afkar; Teguh Purwanto
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (204.78 KB) | DOI: 10.29040/jiei.v7i3.3363

Abstract

The test of the difference in problematic financing on mudaraba and musharaka financing is the purpose of this study because it is used to determine the implications of the COVID-19 pandemic in Islamic Commercial Banks of Indonesia. Quantitative research methods are the choice in explaining these differences by using paired sample t-test analysis, which was carried out with paired samples through two different events, namely before and during the covid 19 pandemic. Saturated samples were used in sampling as many as 14 Islamic Commercial Banks in Indonesia. The data is collected from the combined reports of Islamic Commercial Banks at the Financial Services Authority in time series. The results showed that non-performing financing that occurred in mudaraba financing before and during the pandemic experienced a significant difference with a downward trend, while non-performing financing in musharaka financing experienced a significant difference with an upward trend, meaning that during the COVID-19 pandemic it had an impact on changes in non-performing financing.
MEASURING THE PROFITABILITY LEVEL OF ISLAMIC COMMERCIAL BANKS IN INDONESIA Fauziyah Fauziyah; I Made Bagus Dwiarta; Taudlikhul Afkar; Sigit Prihanto Utomo; Teguh Purwanto
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 6, No 2 (2022): IJEBAR, VOL. 06 ISSUE 02, JUNE 2022
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v6i2.5437

Abstract

This study aims to measure the level of profitability of Islamic commercial banks in Indonesia before and during the Covid-19 pandemic. This research approach uses quantitative by using paired sample t-test as a data analysis technique. The population of 14 Islamic commercial banks is also used as a research sample with saturated sampling techniques. Measures of profitability levels used are Return on Assets (ROA), return on Equity (ROE), and Net Operating Margin (NOM). The results showed that there was a significant difference in ROA before and during the Covid-19 pandemic with a downward trend. While ROE and NOM did not make significant differences despite the decline before and during the Covid-19 pandemic.
PROFIT SHARING AND BUYING-SELLING FINANCING: WHICH DETERMINES SUSTAINABILITY OF ISLAMIC BANKING DURING COVID-19 PANDEMIC? Sigit Prihanto Utomo; Taudlikhul Afkar; Sugijanto Sugijanto; Subakir Subakir; Yasmine Dwi Cahyani; Tarisya Maulidya Wati
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7, No 4 (2023): IJEBAR, Vol. 7 Issue 4, December 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i4.11198

Abstract

Business activity of Islamic banks is to channel financing with the aim of making a profit. Profit-sharing financing is a characteristic of Islamic Banks that use mudharabah and musharakah contracts. In addition, it is also equipped with buying and selling financing using murabahah, istishna’, and ijarah contracts. Of course, during the Covid-19 pandemic, financial turmoil can have an impact on the ability to earn profits as a form of banking business sustainability. The purpose of this research is to conduct an analysis of the sustainability of Islamic banks during the Covid-19 pandemic through the distribution of profit-sharing financing and buying-selling financing so that the financing that will be known most strengthen the sustainability of Islamic banks in terms of the ability to earn profits. The population in this research is Islamic banks in Indonesia which are sampled with the Saturated sampling technique, so that over all 14 Islamic banks are used in research this. The data analysis technique used is multiple linear regression with the JAMOVI Data tool used 2019-2022 as a year to conduct an analysis of Islamic bank sustainability. Findings of this study show that the most dominant determination of the sustainability of Islamic banks during the Covid-19 pandemic is mudharabah financing
DIFFERENCE TEST OF POTENTIAL LOSS FROM PROFIT SHARING FINANCING ISLAMIC BANKING IN INDONESIA Taudlikhul Afkar; Fauziyah Fauziyah; Sigit Prihanto Utomo
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 2 (2024): IJEBAR, VOL. 08 ISSUE 02, JUNE 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i2.13366

Abstract

Common problem with Islamic bank in Indonesia is the rate of return from financing business activities. Profit sharing financing is a type of business activity that still requires certainty in the distribution of profits and risks. The aim of this research is to conduct a different test analysis of potential loss for Islamic Bank in Indonesia from profit-sharing financing business activities during and after the Covid-19 pandemic. This research method uses a quantitative approach with a population of 14 Sharia Commercial Banks as the research sample. Saturated samples are used as a research sampling technique considering the small population size. The data analysis technique used in this research is Paired Sample t-test with Jamovi as an analysis tool. Findings of this research show that there is significant difference in potential losses in profit sharing financing during and after the Covid-19 pandemic with a tendency to be greater after the Covid-19 pandemic
Co-Authors Fauziyah Fauziyah Fauziyah Fauziyah I Made Bagus Dwiarta Sigit Prihanto Utomo Sigit Prihanto Utomo Subakir Subakir Sugijanto Sugijanto Tarisya Maulidya Wati Teguh Purwanto Teguh Purwanto Teguh Purwanto Yasmine Dwi Cahyani