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All Journal Jurnal Ilmiah Ekonomi Islam EBBANK: Jurnal Ilmiah Bidang Ekonomi, Bisnis dan Perbankan Journal of Islamic Accounting and Finance Research
Mirasanti Wahyuni
STIE Bank BPD Jateng
Religion Economics, Econometrics & Finance Social Sciences

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Analisis Tingkat Kesehatan Bank Syariah Menghadapi Pandemi Covid-19 Fika Azmi; Nugroho Heri Pramono; Mirasanti Wahyuni
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 (329.077 KB) | DOI: 10.29040/jiei.v7i3.3745

Abstract

The COVID-19 pandemic that is hitting the world today has affected industrial sectors, including the banking industry in Indonesia. Even though there is policy protection from the government so that banks can run well, it is not a guarantee that banks will be able to withstand economic shocks. This study aims to examine whether there are differences in the soundness of Islamic banking before and during the COVID-19 pandemic. The variables studied were Risk Profile, Good Corporate Governance, Profitability and Capital. The sample in this study is 42 data from quarterly reports of Islamic banking in Indonesia registered by Otoritas Jasa Keuangan in 2019 and 2020. The data analysis method uses the Paired Sample T-Test and the Wilcoxon Signed Rank Test. The results showed that there was no difference the Risk Profile and Good Corporate Governance between before and during the covid-19 pandemic. Meanwhile, Profitability and Capital have significant differences between before and during the COVID-19 pandemic.
The effect of non performing financing volume with inflation as moderating variables on sharia commercial banks Mirasanti Wahyuni; Fika Azmi
Journal of Islamic Accounting and Finance Research Vol 1, No 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiafr.2019.1.1.3776

Abstract

Purpose - This study was conducted to examine the effect of the amount of financing on Non Performing Financing (NPF) and inflation as a moderating variable in sharia commercial banks in Indonesia.Method - This study will be analyzed using the interaction test model, Moderated Regression Analysis (MRA). The population in this study are all Sharia Commercial Banks in Indonesia with sample selection using a purposive sampling method with the requirements of Sharia Commercial Banks (BUS) that have complete data from 2011-2016.Result - The result is all Islamic banking financing has an influence on NPF with inflation as a moderating variable.Implication - This is thought to be influenced by internal bank factors in the form of financing volume and bank external factors in the form of inflation. Then what about the conditions of other Sharia Commercial Banks.Originality - Funding in this study will be divided into financing for profit sharing principles (mudharabah and musyarakah), murabahah, salam, and istishna. The inflation indicator used is CPI.
Pengaruh Volume Pembiayaan Bagi Hasil dan Pembiayaan Murabahah terhadap Kinerja Keuangan Bank Umum Syariah dengan NPF sebagai Variabel Moderasi Mirasanti Wahyuni
EBBANK Vol 7, No 1 (2016): EBBANK Vol.7 No.1 Juni 2016
Publisher : Sekolah Tinggi Ilmu Ekonomi Bisnis dan Perbankan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (237.402 KB)

Abstract

Islamic Banks have a high level of asset growth, but a growth rate of financing volume ineffective. Financing products are the determining factors of the asset and valuable resource, which can be used as a reference in the company's strategy to produce a good performance. The large volume of financing is estimated to have an influence on the performance of Islamic banks. This study was conducted to analyze the effect caused by the volume of financing when the NPF or their financing problems. The results of this study are NPF moderate the influence of financing volume-profit sharing based on the performance of Islamic banks are proxied by the ROA. The results of the second shows that the NPF has a significant influence in moderating influence on the performance of the volume of financing murabaha Islamic commercial bank.
Co-Authors Fika Azmi Nugroho Heri Pramono