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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ekonomi Syariah Teori dan Terapan JURNAL EKONOMI DAN BISNIS AIRLANGGA Jurnal Ilmiah Pangabdhi Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Jurnal Ekonomi dan Bisnis Islam Hayula: Indonesian Journal of Multidisciplinary Islamic Studies Al Tijarah al-Uqud : Journal of Islamic Economics International Journal of Islamic Economics and Finance (IJIEF) Jurnal Ekonomi Islam Al-Muzara'ah Dinamisia: Jurnal Pengabdian Kepada Masyarakat Dinamis : Journal of Islamic Management and Bussiness Shirkah: Journal of Economics and Business Economics and Finance in Indonesia Jurnal Ekonomi dan Pembangunan JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Journal of Islamic Monetary Economics and Finance Jurnal ABDINUS : Jurnal Pengabdian Nusantara Studi Kasus Inovasi Ekonomi Airlangga Journal of Innovation Management Airlangga International Journal of Islamic Economics and Finance Indonesian Capital Market Review Journal of Islamic Economics Lariba Jurnal Ilmiah Pengabdian dan Inovasi Jurnal Ekonomi Islam Islamic Economics Methodology Accounting and Sustainability Economic and Finance in Indonesia
Rani, Lina Nugraha
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Library & Information Science Public Health Social Sciences Other

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COMPARING THE INTERTEMPORAL EFFICIENCY OF ISLAMIC BANKS IN INDONESIA AND MALAYSIA Lina Nugraha Rani; Salina Kassim
Journal of Islamic Monetary Economics and Finance Vol 6 No 4 (2020)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v6i4.1147

Abstract

This study aims to measure and compare the intertemporal efficiency of Islamic banks in Indonesia and Malaysia using data envelopment analysis (DEA) together with window (intertemporal) analysis for the period 2012–2018 and applying an intermediation approach. Window analysis is used to indicate the stability of efficiency over the study period. The findings show that the intertemporal technical efficiency (TE) of Islamic banks in Indonesia was 77.4% with stability score of 0.034, which was significantly more efficient and more stable than Malaysian banks at 75.1% with stability score of 0.169. Moreover, the the intertemporal pure technical efficiency (PTE) of Islamic banks in Indonesia was 91.7% with stability score 0.020, which was also significantly more efficient and more stable than Malaysian banks at 88.0% PTE and stability score of 0.161. In contrast, the intertemporal scale efficiency (SE) of Islamic banks in Indonesia was 84.5%, slightly lower than that of Malaysian banks at 85.3% but not significantly different. PTE improvement has contributed to TE improvement, while SE has not reached an optimal level. Comparison to previous results also showed that since the global financial crisis the PTEs of Islamic banks in Indonesia and Malaysia have improved while SEs have worsened. Therefore, efforts to improve SE by expanding the size of Islamic banks to reach optimum economies of scale are urgently needed.
DETERMINANTS OF INDONESIAN CONVENTIONAL AND ISLAMIC BANK DEPOSITOR TRUST DURING THE COVID-19 PANDEMIC Eko Fajar Cahyono; Lina Nugraha Rani; M. Fariz Fadillah Mardianto
Journal of Islamic Monetary Economics and Finance Vol 7 (2021): Special issue 1: Islamic Economy and Finance in times of Covid-19 Pandemic
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v7i1.1352

Abstract

Depositor trust plays an essential role in the banking sector. The main objective of this study is to test several factors that significantly affect depositors’ confidence in conventional and Islamic banks in Indonesia during the COVID-19 pandemic. We conducted qualitative research with a sample of 217 customers who had a minimum of two bank accounts, one conventional, and one Islamic. In a questionnaire, customers were asked their opinions related to indicators of the variables studied, such as depositor trust, and their perceptions of inflation, conventional bank interest, the equivalent yield rate of Islamic banks, and industry perception Productivity Index. The results of the questionnaire were analysed using the partial least squares (PLS) method. The PLS analysis results show that the indicators related to conventional bank interest and the equivalent yield rate of Islamic banks significantly affected depositors’ trust and hands. In other words, customers were influenced when making bank deposits by the factors related to conventional bank interest and the equivalent yield rate of Islamic banks. The external aspect of the industrial production index based on the PLS test had a significant effect on depositors’ trust in both types of bank. In contrast, the external factor of inflation did not significantly affect depositors’ trust in either conventional or Islamic banks. Therefore, based on the PLS-SEM results, conclusions can be drawn regarding the factors influencing depositor trust.
Determinan faktor internal profitabilitas BPD Syariah Tahun 2014-2017 Kuni Farikhah; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 2 (2019): Februari-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20192pp399-410

Abstract

This study aims to determine the effect of DPK, FDR, Profit Sharing and NPF on the profitability of BPD Syariah in Indonesia in 2014-2017. Measurement of profitability using ROA ratio. The data used are secondary data obtained through the financial report of BPD Syariah. This research method using quantitative approach by using regression panel data analysis technique at 11 banks that match with sample criterion by using software EViews 10.0. The result of statistikal test shows that the variable of DPK and NPF has a negative and significant effect on the profitability of BPD Syariah. While the variable of FDR and Financing of Profit Sharing have no significant effect to profitability of BPD Syariah.Keywords: DPK, FDR, Profit Loss Sharing, NPF, Profitability, Islamic Development BankREFERENCES Ajija, Shochrul R., Dyah W. Sari, Rahmat H. Setianto, Martha R. Primanti. 2011. Cara Cerdas Menguasai EViews. Jakarta: Salemba EmpatAnggreni, Made Ria dan I Made Sadha Suardhika. 2014. Pengaruh Dana Pihak Ketiga, Kecukupan Modal, Risiko Kredit dan Suku Bunga Kredit Pada Profitabilitas. E-Jurnal Akuntansi Universitas Udayana. ISSN: 2302-8556. Diakses pada 27 Januari 2018Annisa, Maulidya Himmah. 2016. Pengaruh Fee Based Income, Sertifikat Bank Indonesia Syariah (SBIS), Pembiayaan Bagi Hasil, Dan Dana Pihak Ketiga (DPK) Terhadap Profitabillitas Perbankan Syariah Di Indonesia (Periode 2012-2016). Skripsi. Jakarta: UIN Syarif HidayatullahAnshori, Muslich dan Sri Iswati. 2009. Buku Ajar Metodologi Penelitian Kuantitatif. Surabaya: Airlangga University PressAntonio, Muhammad Syafi’i. 2001. Bank Syariah : Dari Teori ke Praktik. Jakarta: Gema insani press Fadhila, Novi. 2015. Analisis Pembiayaan Mudharabah dan Murabahah terhadap Laba Bank Syariah Mandiri. Jurnal Riset Akuntansi dan Bisnis. Volume 15 No.1Fielyzia, Rizqita. 2017. Analisis Pengaruh Fee Based Income (FBI), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Dan Giro Wajib Minimum (GWM) Terhadap Profitabilitas Perbankan. Skripsi. Surabaya: Universitas AirlanggaGhozali, Imam. 2011. Aplikasi Analisis Multivariat dengan Program IBM SPSS 21 Update PLS Regresi Edisi 5. Semarang: Badan Penerbitan Universitas DiponegoroGujarati, Damodar N. dan Porter Dawn C..2013. Dasar-Dasar Ekonometrika Basic Economics Edisi 5 Buku 1. Jakarta: Salemba Empat Islamiyah, Mufidatul. 2016. Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK), dan Non Performing Financing (NPF) terhadap Profiitabilitas (Studi pada Bank Syariah Mandiri Tahun 2008-2015). Skripsi. Malang: UIN Maulana Malik IbrahimKarim, Adiwarman A.. 2014. Bank Islam: Analisis Fiqih dan KeuanganEdisi Kelima. Jakarta: PT. RajaGrafindo Persada Kasmir. 2016. Analisis Laporan Kuangan Edisi Pertama. Jakarta: PT. RajaGrafindo Persada Menicucci, Elisa dan Guido Paolucci. 2016. The Determinants of Bank Profitability: Emirical Evidence from European Banking Sector. Journal of Financing Reporting and Accounting. Vol. 14 Issues 1:86-115. Diakses melalui www.emeraldinsight.com/1985-2517.htm pada 19 Juni 2018Riyadi, Slamet dan Agung Yulianto. 2014. Pengaruh Pembiayaan Bagi Hasil, Pembiayaan Jual Beli, Financing to Deposit Ratio (FDR) dan Non Performing Financing (NPF) Terhadap Profitabilitas Bank Umum Syariah di Indonesia. Jurnal Analisis Akuntansi. Diakses pada tanggal 30 November2017dari: https://journal.unnes.ac.id/sju/index.php/aaj/article/view/4208Soemitra, Andri. 2009. Bank dan Lembaga Keuangan SyariahEdisi Pertama. Jakarta: Kencana Prenadamedia Group Sugiyono. 2014. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: CV Alfabeta Suryani. 2011. Analisis Pengaruh Financing to Deposit Ratio (FDR) terhadap Profitabilitas Perbankan Syariah di Indonesia. Jurnal Walisongo. Volume 19: No. 1Wangsawidjaja Z., A. 2012. Pembiayaan Bank Syariah. Jakarta: PT. Gramedia Pustaka UtamaWulandari, Retno. 2017. Pengaruh CAR, FDR, NPF, dan Pertumbuhan DPK terhadap Profitabilitas pada Industri Bank Pembiayaan Rakyat Syariah di Indonesia Tahun 2011-2015. Skripsi. Surabaya: Universitas Airlangga
ANALISIS PERBANDINGAN PENGARUH VARIABEL MAKRO EKONOMI TERHADAP STABILITAS BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA PERIODE TAHUN 2010-2017 Fajar Fairuzy Sadrinata; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 10 (2019): Oktober-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss201910pp2095-2109

Abstract

The research aims to identify and analyze the partial and simultaneous influence of macroeconomic variables consisting of inflation, GDP, balance of payments, and BI interest rates on the stability of Sharia banks and conventional banks in Indonesia. The research also aims to analyse the differences in macroeconomic variables to influence the stability of banking between sharia banks and conventional banks in Indonesia. The research was based on comparisons of the influence of stability between sharia banks and conventional banks on the macroeconomic variables investigated. The population in this research is sharia Bank and conventional Bank in Indonesia issued by OJK, sharia Bank statistics and conventional Bank. The analytical techniques used are statistical analyses. The analysis of data in this study uses two phases, namely descriptive statistics and inferential statistics.Keywords: inflation, GDP, payment balance, BI interest rates
THE EFFICIENCY ANALYSIS OF ISLAMIC RURAL BANKS (BPRS) IN EAST JAVA USING DATA ENVELOPMENT ANALYSIS (DEA) FOR 2012-2018 PERIOD Nafilatul Khusnah; Irham Zaki; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp294-304

Abstract

Efficiency is needed by Islamic Rural Bank (BPRS)to facing rivalry in the banking sector. Efficiency can show the performance of BPRS and make BPRS more productive. This study measures the efficiency of Islamic Rural Banks (BPRS) in East Jawa using data envelopment analysis (DEA). DEA is a non-parametric and deterministic methodology for determining relative efficiency. This study used the intermediation approach and output orientation to measure the efficiency of BPRS. Inputs in this study are deposits, labor, and fixed assets. Outputs in this study are financing and other income. The result shows that the inefficiency exists in the BPRS in East Java. From 21 BPRS, which were used as a sample, 17 BPRS are not efficient technically. The inefficiency of BPRS causes BPRS still can not manage its inputs optimally to producing maximum output. To achieve an efficient level, BPRS needs to increase its output and reduce its input.Keywords: Islamic Rural Banks (BPRS), Efficiency, Performance, Data Envelopment Analysis (DEA)REFFERENCE Ali, M. M., & Ascarya. (2010). Analisis Efisiensi Baitul Maal Wat Tamwil dengan pendekatan two stage Data Envelopment Analysis (Studi kasus kantor cabang BMT MMU dan BMT UGT Sidogiri). TAZKIA: Islamic Finance & Business Review, 5(2), 110–125.Ascarya, & Yumanita, D. (2006). Analisis efisiensi perbankan syariah di Indonesia dengan Data Envelopment Analysis. TAZKIA Islamic Finance and Business Review, 1(2), 1–27.Ascarya, & Yumanita, D. (2008). Comparing the efficiency of islamic banks in Malaysia and Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 11(2), 95-119.Ascarya, Yumanita, D., Achsani, N. A., & Rokhimah, G. S. (2010). Measuring the efficiency of islamic banks in Indonesia and Malaysia using parametric and nonparametric approaches. 3rd International Conference on Islamic Banking and Finance. SBP-IRTI. Jakarta, Indonesia.Iqbal, zamir & Mirakhor, Abbas. (2012). The Islamic financial system. In an introduction to islamic finance: theory and practice (pp. 113-136). Singapore: John Wiley & Sons.Khumbakar, Subal C. & Lovell, C.A. knox. (2012). Stochastic frontier analysis, United Kingdom: Cambridge University Press.Nurhandini. (2006). Analisis efisiensi industri perbankan di Indonesia dengan metode non parametrik Data Envelopment Analysis. Skripsi  tidak diterbitkan. Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia.Prasetyo, Muhammad Budi. (2007). Perbandingan pengukuran efisiensi perbankan syariah di Indonesia dengan perbankan syariah di Malaysia pada tahun 2003-2006 dengan metode DEA. Skripsi  tidak diterbitkan. Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia.https://bps.go.id https://www.ojk.go.id/id/kanal/perbankan/data-dan-statistik/statistik-perbankan-indonesia/default.aspx https://www.ojk.go.id/id/kanal/perbankan/regulasi/peraturan-ojk/Default.aspx https://www.ojk.go.id/waspada-investasi/id/regulasi/Pages/Undang-Undang-Nomor-21-Tahun-2008-Tentang-Perbankan-Syariah.aspx 
THE ANALYSIS OF THE INFLUENCE OF GOLD PRICE, MARGIN, INFLATION, AND DOLLAR EXCHANGE RATES ON GOLD MURABAHAH FINANCING IN INDONESIAN SHARIA BANKING DURING THE PERIOD OF APRIL 2015-AUGUST 2019 Ilyas Chaidir Rahmansyah; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 3 (2020): Maret-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20203pp610-622

Abstract

This research employed a quantitative approach to investigate the relationship between dependent and independent variables and to test the hypotheses. The data utilized in this research were secondary data from the official website of Bank Indonesia (BI), the Financial Services Authority (OJK), the Central Statistics Agency (BPS), gold price providers in Indonesia, and monthly BUS & UUS bank statements in Indonesia. The population in this study consisted of 14 BUS and 20 UUS which registered on the Financial Services Authority. This research used a sampling technique using predetermined criteria so that a sample of 4 BUS and 1 UUS were obtained from April 2015 to August 2019. Moreover, the analysis technique employed in this research was panel data regression with EViews 9 statistical tools. The results of this research describe that the price of gold, inflation and the exchange rate of the dollar do not have a significant impact on the financing of Murabahah Gold, but margin have a significant impact and negative correlated with Murabahah Gold in Islamic banking in Indonesia, especially among Islamic Commercial Banks and Sharia Business Units.Keywords: Gold Prices, Inflation, Dollar Exchange, Murabahah Gold, Islamic BankingREFFERENCE Arumdati, Dewi. (2011). Cara kaya dengan investasi emas: Panduan cerdas berkebun emas. Yogyakarta: Araska PublisherAyub, M. (2007). Understanding Islamic finance. Jakarta: Gramedia Pustaka Utama.Anshori, Muslich & Sri Iswati. (2009). Metodologi penelitian kuantitatif. Surabaya: Airlangga University Press (AUP).Aye, G, Hector Carcel, Luis A. Gil-Alana, Rangan Gupta. (2017). Does gold act as a hedge against inflation in the UK? Evidence from a fractional cointegration approach over 1257-2016. Resources Policy, 54, 53-57.Balassa, B. (1990). The Effects of interest rates on savings in developing countries. Banca Nazionale del Lavoro Quarterly Review, 172, 101–18.Cai, J., Y.-L. Cheung and M. Wong. (2001). What moves the gold market?. Journal of Futures Markets, 21(3), 257–78.Clements, K., Renee, F. (2008). Commodity currencies and currency commodities. Resources Policy, 33, 55–73.Dewan Syariah Nasional Fatwa No.04/DSN-MUI/IV/2000 tentang Murabahah.Dierinck, B. (2012). Determinants of the gold price. Universiteit Gent, Faculteit Economie en Bedrijfskunde, Academiejaar 2011-2012Fabozzi, Frank, J & Franco Modigliani. (1996). Capital market. Second Edition New Jersey: Prentice Hall inc.Gaffen, D., Slater, J. (2009). Dollar, gold are suddenly inseparable. Abreast of the Market Column. Wall Street Journal, C1–C2.Ghazali, M. (2015). Sharia compliant gold investment in Malaysia: Hedge or safe haven?. Pacific-Basin Finance Journal, 34, 192-204.Gulseven, O. (2016). The Turkish appetite for gold: An Islamic explanation. Resources Policy, 48, 41-49Gujarati, Damodar N. (2006). Ekonometrika dasar. Jakarta: Penerbit Erlangga.Haugom, H. N. (1991). The Supply and Demand for Gold. Ph.D. dissertation. Simon Fraser University.Hsiao, C. (2003). Analysis of panel data. Second Edition. Cambridge: Cambridge University Press.Ismal, R. (2014). Assessing the gold murabahah in Islamic banking. International Journal of Commerce and Management, 24(4), 367-382.Kaufmann, Thomas D. and Richard A. Winters. (1989). The Price of gold: A simple model. Resources Policy, 15(4), 309-313.Ketentuan Pembiayaan Murabahah dalam praktek Syariah di Indonesia dijelaskan dalam Fatwa Dewan Syariah Nasional No. 04/DSN-MUI/IV/2000 tentang MurabahahLin, F. (2015). Does the value matter with the price of oil and gold? A dynamic analysis from time-frequency space. International review of economic and finance, 43, 59-71.Levin, E. & Robert E. Wright. (2006). Short-run and Long-run Determinants of the Price of Gold. World Gold Council, Research Study No. 32.Mahdavi, S. and Su Zhou. (1997). Gold and commodity prices as leading indicators of inflation: Tests of long-run relationship and predictive performance. Journal of Economics and Business, 49(5), 475-489Nugroho, Adi. (2005). Faktor-faktor Yang mempengaruhi margin pembiayaan murabahah (studi kasus pada PT. Bank Muamalat Indonesia). Skripsi tidak diterbitkan. Depok: Universitas Indonesia.Rao, B. S. and K. Nagabhushanam. (1960). India’s demand for import of non-monetary gold, non-monetary silver and merchandise, 1901–1913. Indian Economics Journal, 48(3), 34–38.Shafiee, S. and Topal, E. (2010). An overview of global gold market and gold price forecasting. Resources Policy, 35, 178-189.Suseno dan Siti Astiyah. (2009). Inflasi. Jakarta: Pusat Pendidikan dan Studi Kebanksentralan (PPSK) Bank Indonesia.Sugiyono. (2011). Metode penelitian kuantitatif, kualitatif dan R&D. Bandung: Afabeta.Starr, M. dan Ky Tran. (2008). Determinants of the physical demand for gold: Evidence from data panel. The World Economy.Susanti, R. (2017). Sejarah tranformasi uang dalam Islam. Jurnal of Islam and Plurality, Nomor 1.Pasal 19 Undang-Undang No.21 Tahun 2008 tentang Perbankan Syariah yang mengatur mengenai kegiatan usaha Bank Umum Syariah yang salah satunya adalah pembiayaan Murabahah.Pasal 1 ayat (13) Undang-Undang No.10 Tahun 1998 tentang Perbankan.PBI No.9/19/PBI/2007 jo. PBI No.10/16/PBI 2008 tentaang Pelaksanaan Prinsip Syariah dalam Kegiatan Penghimpunan Dana dan Penyaluran Dana serta Pelayanan Jasa Bank Syariah.Peraturan Bank Indonesia 10/16/PBI/2008 tentang perubahan terhadap Peraturan Bank Indonesia 9/19/PBI/2007 tentang penerapan prinsip syariah dalam penggalangan dana dan distribusi dana bank Syariah dan layanan tata kelolaPeraturan Bank Indonesia No.10/17/PBI/2008 tentang Produk bank Syariah dan Unit Usaha Syariah.Ranson David and H.C Wainwright. (2005). Gold and non-precious commodities as inflation hedges, Interest-Rate Outlook Research Summary, Wainwright Economics, November 2005.Widarjono, A. (2013). Ekonometrika: Pengantar dan aplikasinya. Jakarta: Ekonosia.Worthington, A. & M. Pahlavani. (2007). Gold investment as an inflationary hedge: cointegration evidence with allowance for endogenous structural breaks. Journal Applied Financial Economic Letters, 3(4), 259-262.
THE EFFICIENCY ANALYSIS OF SHARIA RURAL BANKS (BPRS) DURING THE PERIOD OF 2012-2018 USING DATA ENVELOPMENT ANALYSIS (DEA) METHOD Erika Septiani; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 7 (2020): Juli-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20207pp1378-1390

Abstract

The purpose of this study was to determine the level of efficiency of Islamic People's Financing Banks (Sharia Rural Banks) registered at the OJK during the 2012-2018 period. This study uses a quantitative approach. The data used are secondary data in the form of annual financial reports obtained from the websites of Bank Indonesia (BI) and the Financial Services Authority (OJK). This study uses a non-parametric approach to measure the stability of the level of efficiency of the Islamic People's Financing Bank (BPRS) with the Data Envelopment Analysis (DEA) method. The results of this study indicate that under the CRS assumption with an output-oriented average efficiency of the Islamic People's Financing Bank (BPRS) for the 2012-2018 period is 79 percent, while under the assumption of the output-oriented VRS the average efficiency of the Islamic People's Financing Bank (BPRS) is 85 percent which means that the Islamic People's Financing Bank during the 2012-2018 period still operates inefficiently. BPRS Harta Insan Karimah Parahyangan became the only Sharia People Financing Bank (BPRS) in Indonesia for the 2012-2018 period that was the most stable both under the VRS assumption.Keywords: Stability, Intertemporal Efficiency, Data Envelopment Analysis, Islamic Rural BankREFFERENCESArikunto, S. 2002. Metodologi Penelitian Suatu Pendekatan Proposal. Jakarta: PT. Rineka Cipta.Barzan, Bardawi. 1999. Psikologi Perkembangan Anak..Jakarta: Rineka Cipta.Chaplin,J.P. 1996. Kamus Besar Psikologi. Jakarta: Rajawali PressDepartemen Agama RI. 1993. Al-Qur’an Dan Terjemahannya.Departemen Sosial RI. 1999. Pedoman Perlindungan Anak. Jakarta: Direktorat Jendral Bina Kesejahteraan Sosial Anak Keluarga dan Lanjut UsiaMoleong,L.J.2010. Metodologi Penelitian Kualitatif. Bandung: Remaja Rosdakarya.Parker, Deborah,.2006. Menumbuhkan Kemandirian dan Harga Diri Anak. Jakarta: Prestasi PustakarayaSugiyono. 2012. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.Yin, Robert. K, 2009, Studi Kasus; Desain dan Metode, Jakarta; Raja Grafindo Persada.Tjiptono, Fandy. 2006. Strategi Pemasaran. Yogyakarta: Andi Offset.Kotler, Philip. 2000. Manajemen Pemasaran di Indonesia: Analisis, Perencanaan, implementasi dan Pengendalian. Alih Bahasa, Susanto, A.B. Jakarta: Penerbit Salemba EmpatRangkuti,Freddy. 2013. Analisis SWOT : Teknik Membedah Kasus Bisnis. Jakarta : PT. Gramedia Pustaka UtamaUndang-Undang Nomor 23 Tahun 2002 tentang Perlindungan AnakDepartemen Sosial Republik Indonesia. 2004. Acuan Pelayanan Sosial Anak di Panti Sosial Asuhan Anak. Jakarta : Departemen Sosial Republik Indonesiawww.bps.go.id Ridwan S. Sundjaja dan Inge Barlian, 2002. Manajemen Keuangan Satu Edisi Keempat. Jakarta: Prenhallindo.Pearce II, John A. dan Robinson Richard B.Jr. 2008. Manajemen Strategis 10. Jakarta: Salemba Empat.Tarmidzi, Rosmiaty. 2010. Pendapatan Asli Daerah Berdampak Pada Kemandirian Keuangan Daerah. Jurnal Akuntansi dan Keuangan Vol. 1 No.1 Hal. 123-128.Halim, Abdul. 2007. Akuntansi Keuangan Daerah. Jakarta: Salemba Empat. Halim, Abdul. 2002. Manajemen Keuangan Daerah Bunga Rampai. Yogyakarta: UPP AMP YKPN Yogyakarta.
THE ANALYSIS OF FACTORS THAT INFLUENCE ECONOMIC GROWTH IN OKI Wheni Yeisa; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1128-1145

Abstract

Economic growth is an indicator that plays an important role in determining the prosperity of a country. This study aims to analyze the effect of labour force, international trade, and inflation towards economic growth in OIC countries over the period 2007 to 2018. Panel data regression analysis approach was adopted to analyze the effect of independent variables on the dependent variable. The results of the fixed effect estimation model found that all variables simultaneously had a significant effect on economic growth. Partially, labour force and internasional trade have a significant effect, while inflation has no significant effect on economic growth. The results of this study can be used as a reference and evaluation materials for policy makers.Keywords: Labour Force, International Trade, Inflation, Economic Growth, Organizations of Islamic CooperationREFFERENCE Ahmad Bhat, Shariq dan Mahboob R.L. (2017). Interest rate, inflation rate, and gross domestic product of India. 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THE DETERMINANTS OF THE PROFIT-SHARING LEVEL OF MUDHARABAH DEPOSIT IN SHARIA COMMERCIAL BANKS IN INDONESIA Cindra Fitrianingsih; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 9 (2020): September-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20209pp1714-1730

Abstract

ABSTRAKPenelitian ini menggunakan metode kuantitatif untuk mengetahui hubungan antara variabel dependen dan independen dan menguji hipotesis penelitian. Data yang digunakan dalam penelitian adalah data sekunderr berupa laporan keuangan triwulan dari situs web resmi masing-masing bank, Bank Indonesia, Otoritas Jasa Keuangan (OJK). Populasi dalam penelitian ini adalah semua Bank Umum Syariah yang terdaftar di Bank Indonesia periode 2013-2020. Penelitian ini menggunakan teknik purposive sampling dalam menentukan sampel penelitian, sehingga diperoleh sampel 7 Bank Umum Syariah tahun 2013-2020. Teknik analisis yang digunakan adalah regresi data panel. Hasil dari penelitian ini menunjukkan bahwa ROA, CAR, Bank Size, BI-Rate, GDP, dan Inflasi secara simultan berpengaruh terhadap tingkat bagi hasil deposito mudharabah. Secara parsial, ROA dan Inflasi tidak berpengaruh signifikan terhadap tingkat bagi hasil deposito, CAR dan Bank Size berpengaruh negatif signifikan terhadap tingkat bagi hasil deposito, BI-Rate dan GDP berpengaruh positif signifikan terhadap bagi hasil deposito mudharabah Bank Umum Syariah di Indonesia.Kata Kunci: Tingkat Bagi Hasil Deposito, Return on Asset, Capital Adequacy Ratio, Bank Size, BI-Rate, Gross Domestic Product, Inflasi ABSTRACTThis study used quantitative methods to determine the relationship between dependent and independent variables and test the hypothesis. The data utilized in this research were secondary data from the official websites of each bank, Bank Indonesia, The Financial Services Authority (OJK), The population in this study are all Sharia Commercial Banks that registered at Bank Indonesia for the period 2013-2020. This study used a purposive sampling technique in determined the research sample so that a sample of 7 Sharia Commercial Bank samples in 2013-2020. The analysis technique used panel data regression, The results of this study show that ROA, CAR, Bank Size, BI-Rate, GDP, and simultaneously inflation affect the profit-sharing rate of mudharabah deposits. Partially, ROA and inflation did not significantly influence the level of profit-sharing of deposits, CAR, and Bank Size had a significant negative impact on the level of profit-sharing of deposits, the BI-Rate and GDP had a significant positive effect on the profit-sharing of mudharabah deposits of Islamic Banks in Indonesia.Keywords: Deposit Profit-sharing Rate, Return on Asset, Capital Adequacy Ratio, Bank Size, BI-Rate, Gross Domestic Product, Inflation
GENDER DIVERSITY, INDEPENDENCE, FINANCIAL EXPERTISE AND RISK-TAKING BEHAVIOUR IN SHARIA COMMERCIAL BANKS Prilo Krisnu Pradana; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 10 (2020): Oktober-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss202010pp1869-1886

Abstract

ABSTRAKIndonesia menjadi salah satu negara yang terimbas paling parah dari adanya krisis 1997/1998 dimana kualitas tata kelola dari perbankan saat itu dianggap sebagai akar masalah, khususnya terkait berlebihnya perilaku risk-taking dalam hal peminjaman yang menurunkan performa bank. Penelitian ini bertujuan untuk menguji pengaruh Corporate Governance terhadap Risk Taking Behaviour pada Bank Umum Syariah di Indonesia periode 2012-2019. Teknik analisis yang digunakan adalah analisis regresi data panel menggunakan software Eviews 9 dengan metode purposive sampling. Corporate Governance diukur dengan proporsi perempuan (direktur, dewan pengawas syariah, komite audit, komite pemantau risiko), proporsi Independensi (komisaris independen dan komite audit independen) dan proporsi Keahlian Keuangan (direksi, dewan pengawas syariah dan komite audit), sedangkan untuk Risk Taking Behaviour diukur menggunakan Z-score. Hasil olah data menunjukkan bahwa independensi berpengaruh positif dan signifikan, gender diversity pada direksi dan komite audit dan pemantau risiko berpengaruh positif dan signifikan, sementara dewan pengawas syariah perempuan berpengaruh negative signifikan.  Keahlian keuangan komite audit berpengaruh positif signifikan, sementara pada direksi dan dewan pengawas syariah berpengaruh positif tetapi tidak signifikan. Secara simultan, hasil pengujian menunjukkan bahwa good corporate governance berpengaruh terhadap risk taking behaviour pada bank umum syariah di Indonesia.Kata Kunci: Corporate Governance, Risk Taking Behaviour, Gender Diversity, Independensi, Keahlian Keuangan, Bank Umum Syariah, Z-score ABSTRACTIndonesia became one of the worst countries that affected by the 1997/1998 crisis where the quality of governance from the banking sector at that time was seen as the root of the problem, especially related to excess risk-taking behavior in terms of lending which reduced bank performance. This study aims to examine the effect of Corporate Governance on Risk-Taking Behavior in Islamic Banks in Indonesia from 2012-2019. The analysis technique used is panel data regression analysis assisted by Eviews 9 software, the authors use a purposive sampling method to determine the research sample. Good Corporate Governance is measured by the proportion of Gender Diversity (directors, sharia supervisory boards, audit committees, risk monitoring committees), the proportion of Independence (commissioners and audit committees) and the proportion of Financial Expertise (directors, sharia supervisory boards and audit committees), while for Risk-Taking Behavior is measured using a Z-score. The results of the research showed that partially, independence has a positive and significant effect, gender diversity on the directors, audit and risk monitoring committee has a positive and significant effect, while the female sharia supervisory board has a significant negative effect. The audit committee's financial expertise has a significant positive effect, while the sharia directors and supervisory boards have a positive but not significant effect. Simultaneously, the test results show that corporate governance affects the risk-taking behavior of Islamic commercial banks in Indonesia.Keywords: Good Corporate Governance, Risk-Taking Behavior, Gender Diversity, Independence, Financial Expertise, Islamic Commercial Banks, Z-score
Co-Authors Aam Rusydiana Aam S. Rusydiana Aam Slamet Rusydiana, Aam Slamet Abrista Devi Achsania Hendratmi Adelia Dwi Febrianti Ahmad Fadlur Rahman Bayuny Al Mustafa, Muhammad Ubaidillah Al Mustofa, Muhammad Ubaidillah Alfiah Hasanah Alief Fathomy Rahman Annisa, Fayza Syahwa Aulia, Melananda Risky Bt Mohd Ariffin, Noraini Cindra Fitrianingsih Desy Reza Umami Dhea Rizqi Karisma Dita Amelia Dwi Putri Lestari Dwi Wulan Ramadani Eko Fajar Cahyono, David Kaluge Eko Kurniawan Elly Pusporani Erika Septiani Fajar Fairuzy Sadrinata Farikhah, Kuni Fathomy Rahman, Alief Fatin Fadhilah Hasib Filianti, Dian FNU Cupian Hasib, Fatin Fadilah Hidayah, Binti Khusnul Ilmiawan Auwalin Ilyas Chaidir Rahmansyah Ilyas Chaidir Rahmansyah Imron Mawardi Irham Zaki Kuni Farikhah Kuni Farikhah Lailatul Ayuni Lina Marlina lina marlina, lina M. Fariz Fadillah Mardianto Mahmudah, Siti Nur Marhanum Che Mohd Salleh Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al Mustofa Nafilatul Khusnah Ninda Ardiani Nisful Laila Norma Rosyidah Norma Rosyidah, Norma Nurrohmah, Zidni ‘Ilmatun Nurud Diana Syafaati Pertiwi, Tanza Dona Previan, Anggara Teguh Prilo Krisnu Pradana Puji Sucia Sukmaningrum Putri, Ferdiana Friska Rahmana Rahmansyah, Ilyas Chaidir Redy, Achdiar Rifka Mifta Aulia Ririn Tri Ratnasari Rusmita, Sylva Alif Rusydiana, Aam S. Sa'adah, Fetta Nabilatus Salina Kassim Samsul Arifin Septiani, Erika Simamora, Antonio Nikolas Manuel Bonar Siregar, Naufal Ramadhan Al Akhwal Siti Annita Otaviya Siti Nur Mahmudah Siti Zulaikha Sri Herianingrum Tika Widiastuti Ulfi Sasabel Chumairoh Varizqa, Adella Dwita Wheni Yeisa Wijayanti, Ida