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All Journal Economic Journal of Emerging Markets Ekonomi Bisnis Journal of Accounting and Investment Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi & Keuangan Islam Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Proceeding of Conference on Islamic Management, Accounting, and Economics Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Kebijakan Ekonomi dan Keuangan Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Akhsyim Afandi, Akhsyim
Universitas Islam Indonesia
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Pengaruh Karakteristik Bank, Faktor Makroekonomi terhadap Pembiayaan Sektor UMKM pada Perbankan Syariah di Indonesia Lestari, Lutfi Bangun; Afandi, Akhsyim
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3532

Abstract

MSMEs have an important role in national economic development, but capital is still the main problem faced in developing MSMEs. Islamic banking has a main function, one of which is channeling financing. However, the trend in financing the MSME sector always fluctuates from year to year and tends to decline. This study aims to analyze the effect of bank characteristics and macroeconomic factors on the financing of the MSME sector in Islamic banking in Indonesia. This study uses time series data which is monthly data on aggregate financial statements of Islamic Commercial Banks and Sharia Business Units in Indonesia. The analysis method used in this research is Autoregressive Distributed Lag (ARDL). The results showed that the variables that affect the financing of the BUS MSME sector in the short term are return on assets (ROA) and the interest rate (BI_Rate). Whereas in the long term, the variables that affect the financing of the BUS MSME sector are the bank office network (JKB) and inflation. While variable third party funds (DPK), non-performance financing (NPF), exchange rates, equivalent rate of financing (ERP) both in the short term and long term have no effect on the financing of the BUS MSME sector. Then the variables that affect UUS MSME sector financing in the short term are the bank office network (JKB), return on assets (ROA) and the interest rate (BI_Rate). Whereas in the long term, the variable that affects UUS MSME sector financing is the bank office network (JKB). Meanwhile, the variable of third party funds (DPK), non-performance financing (NPF), exchange rate, equivalent rate of financing (ERP) both in the short and long term had no effect on the financing of the UUS MSME sector. 
Analisis Pengaruh Variabel Mikro Dan Makro Ekonomi Terhadap VaR Bank Umum Syariah Di Indonesia Eko Hariyadi; Akhsyim Afandi
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 (331.816 KB) | DOI: 10.29040/jiei.v7i3.2781

Abstract

Profit-sharing as the main product of Islamic banks has a higher level of risk than other contracts, resulting in a low mudharabah financing portfolio. This study is intended to determine the effect of micro and macroeconomic variables on the Value at Risk of Islamic commercial banks in Indonesia. Value at Risk is proxied by the potential loss of profit-sharing financing on the Mudharabah and Musyarakah investment portfolios of Islamic commercial banks whose data is obtained from OJK Sharia Banking Statistics. Monthly time series data, covering June 2014 to December 2020 are selected. The test equipment used in this study used the ARDL (Autoregressive Distributed Lag) test. Based on the results of data analysis, the Value at Risk variable proxy is influenced by the CAR, EXC, NPF, and ROA variables. Meanwhile, the variables of GDP, INF, and FDR do not affect VaR. High CAR and NPF increase the VaR of Islamic commercial banks. Meanwhile, the decline in ROA and depreciation of the rupiah reduced the VaR of Islamic commercial banks.
Monetary Policy under Zero Reserve Requirement in Canada Akhsyim Afandi
Economic Journal of Emerging Markets Vol. 2 No. 1 (1997)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.v2i1.4269

Abstract

Current development shows that financial system tends to move to the direction where controls over banking system would be very minimum. Banks are no longer required to hold afraction of their assets as required reserve with the central bank, and deposits are not subject to interest rate regulation. Fama (1980, 1983) argues that with the absence of reserve ratio price determinacy still holds through the control over currency supply. However, recent development also indicates that the control over currency supply is not any more in the hand of central banks but determined by the demand of the people. Consequently, price level is uncontrollable. Black (1970) even goes further to conclude that the unregulated banking system will bring the traditional monetary theories to an end. This paper deals with the implications of recent development in financial system in Canada. This paper argues that even though there is no longer reserve requirement and currency supply is determined by demand side, the Bank of Canada still has control over nominal magnitude of the economy, namely interest rates, which in turn influence aggregate demand and prices.
Perkembangan teori ekonomi mikro Akhsyim Afandi
Economic Journal of Emerging Markets Volume 7, 1996
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.v7i1.6675

Abstract

Perkembangan paling mutakhir menunjukkan bangkitnya kembali ekonomi makro Keynesian yang menjelma menjadi New Keynesian Economics dengan implikasi kebijaksanaan yang sama. Kebangkitan ini tercermin pada cukup banyaknya artikel di jurnal dan cepat populernya buku teks makro yang ditulis dengan kerangka New Keynesian Economics.
Determinants of income inequality Akhsyim Afandi; Vebryna Permatasari Rantung; Hazem Marashdeh
Economic Journal of Emerging Markets Volume 9 Issue 2, 2017
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol9.iss2.art5

Abstract

This study examines whether changing economic structure, social conditions, and financialization are responsible for increased income inequality in Indonesia. By employing panel data of 32 provinces in Indonesia that spans from 2007 to 2013, it finds that structural change affects income inequality, increased share of finance reduces inequality, which is against the financialization hypothesis, and social conditions have expected effects on income inequality. While an increased share of both agriculture and service sectors tends to reduce inequality, an increased share of manufacture sector has no effect on inequality. This study finds that falling poverty increases inequality, implying that policy to reduce poverty might not be neutral for inequality and instead cannot prevent it from increasing. Since the higher the college participation rate the higher income inequality tends to be, it does not automatically imply that in order to reduce inequality we need to reduce the number of people who go to college. It might be the case that the college participation rate has not reached a turning point, below which its increase increases inequality, but beyond which its increases reduces inequality.
The Role of Islamic Corporate Governance and Risk toward Islamic Banks Performance: Evidence from Indonesia Emile Satia Darma; Akhsyim Afandi
Journal of Accounting and Investment Vol 22, No 3: September 2021
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (610.914 KB) | DOI: 10.18196/jai.v22i3.12339

Abstract

Research aims: This study aims to analyze the role of Islamic corporate governance mechanisms on the performance of Islamic banks. Besides, it also analyzes the effect of risk profiles, especially those that are directly related to bank financing, on the performance of Islamic banks.Design/Methodology/Approach: Islamic banks that become the objects are Sharia Commercial Banks (SCB) and Sharia Business Units of Conventional Banks (SBU). This study uses data from 20 Islamic banks (11 SCB and 9 SBU). The analytical tool used in this study is panel data regression.Research findings: The results show that the meeting frequency of the Board of Commissioners (BC), Sharia Supervisory Board (SSB), Financing to Deposits Ratio (FDR), and bank size have a significant positive effect on the performance of Islamic banks. Non-Performing Financing (NPF) has a significant negative effect on the performance of Islamic banks.Theoretical contribution/Originality: This study utilized Stakeholders theory, Maqashid Sharia concept, and corporate governance to investigate the role of Islamic corporate governance mechanisms and risk management on Islamic banks performance.Practitioner/Policy implication: The implication of this study is that SSB activities had a direct and robust influence on Islamic banks, which have relatively larger assets. Hence, the task of the Sharia Supervisory Board should not be limited to only monitoring the conformity of transactions with sharia but also providing input so that banks can increase their profits in line with sharia.Research limitation/Implication: The limitation in this study is the number of corporate governance variables that was limited.
Analisis efisiensi perbankan syariah di Indonesia metode Stochastic Frontier Analysis Lathiefah Rabbaniyah; Akhsyim Afandi
Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 2, 2019
Publisher : Proceeding of Conference on Islamic Management, Accounting, and Economics

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

Abstract

This study aims to analyse the efficiency of Islamic Banking in Indonesia during 2010 to 2016. Samples in this study consist of 8 sharia banks (BUS), 4 devisa banks and 4 non devisa banks. Stochastic Frontier Analysis (SFA) method is used to analyze data of this study with production function approach. The input  variables are total fixed asset, total deposits, and operational cost. While the output variable is total financing of sharia bank. The result of study showed the highest efficient score by BUS devisa is BNI Syariah during 2015 period as 0,9981. The highest efficient score for BUS non devisa is BRI Syariah during 2010 period with 0,9998. Meanwhile, the lowest efficient score for BUS devisa is BNI Syariah during 2010 period with 0,8089, and the lowest efficient score for BUS non devisa is BCA Syariah during 2010 period with 0,7125.
The analysis of relationship between return rate on deposit of Islamic bank and conventional bank in Indonesia S Suyyinah; Akhsyim Affandi
Jurnal Ekonomi & Keuangan Islam Volume 4 No. 1, Januari 2018
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol4.iss1.art3

Abstract

Penelitian ini menganalisis hubungan antara tingkat bagi hasil deposito bank syariah dengan tingkat suku bunga deposito bank konvensional yang ada di Indonesia menggunakan data bulanan periode Februari 2009 hingga Februari 2014. Metode yang digunakan adalah metode VECM. Hasil analisis menunjukkan bahwa terdapat hubungan jangka panjang antara tingkat bagi hasil deposito bank syariah dengan tingkat suku bunga bank konvensional pada semua model deposito berjangka (deposito 1 bulan, deposito 3 bulan, deposito 6 bulan, dan deposito 12 bulan) dalam penelitian. Hasil olah data menunjukkan bahwa peranan guncangan tingkat suku bunga deposito bank konvensional dalam menjelaskan fluktuasi tingkat bagi hasil deposito bank syariah lebih besar dibandingkan peranan guncangan tingkat bagi hasil deposito bank syariah dalam menjelaskan fluktuasi tingkat suku bunga deposito bank konvensional.
Determinants of Consumer Decisions to Adopt Islamic Banking Services in Indonesia Sudarsono, Heri; Afandi, Akhsyim; Perdana, Andika Ridha Ayu
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 1 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i1.8214

Abstract

This study examines the influence of attitudes, subjective norms, perceived behavior control, and religiosity on consumer intention to adopt Islamic bank services. This study used 550 respondents from 26 provinces in Indonesia. The study develops a structural equation model (SEM) to achieve its purpose. The results show that attitudes, subjective norms, and perceptions of behavioral control affect people's interest in adopting Islamic banking services. Likewise, awareness, uncertainty, suitability, and relative advantage, affect the intention of the consumer to adopt Islamic banks' services. In contrast, religiosity does not affect community interest in adopting Islamic bank services. Further, normative beliefs affect subjective norms and self-efficacy, whereas facility conditions affect perceived behavior control of consumers' intention to adopt Islamic banking services. Attitudes, subjective norms, and perceived behavior control influence consumers' intention to adopt Islamic banking services. Accordingly, Islamic banks need to improve services to the public. Also, Islamic banks need to increase their understanding of religious religiosity to foster interest in adopting Islamic bank services
Analisis pengaruh variabel makro dan mikro ekonomi terhadap penghimpunan zakat di Indonesia Rohman, Catur Hidayatur; Afandi, Akhsyim
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 5 No. 3 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/fairvalue.v5i3.2469

Abstract

Islam is a religion of rahmatan lil 'alamin, meaning that Islam is a mercy and goodness for the entire universe. This study analyzes the influence of macro and microeconomic variables on zakat collection in Baitul Maal Hidayatullah for the period 2016-2021. Macro and microeconomic factors include Gross Regional Domestic Product (GRDP), Poverty, Gold Price, Provincial Minimum Wage (UMP). This study used the kuantitative method with panel data approach with an estimated Generalized Method of Moment (GMM) model involving 30 provinces in Indonesia that already have LAZ Baitul Maal Hidayatullah (BMH) Representatives for the period 2016-2021. The results of this study show that GRDP and Poverty have a significant positive influence, while Gold Price have a negative influence, and UMP have a positive but insignificant influence.
Co-Authors Agus Widarjono Andika Ridha Ayu Perdana, Andika Ridha Ayu Anggoro, Yadianto Ashari, Nesha Rizky Ayu Yuningsih Eko Hariyadi Emile Satia Darma Hazem Marashdeh Heri Sudarsono Lathiefah Rabbaniyah lutfi bangun lestari Nugroho, Farid Prasasti, Riska Rohman, Catur Hidayatur S Suyyinah Vebryna Permatasari Rantung Yuningsih, Ayu