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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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Perbandingan Tingkat Efisiensi OPZ Sebelum dan Saat Pandemi di Indonesia Ulfi Sasabel Chumairoh; Lina Nugraha Rani
Dinamis : Journal of Islamic Management and Bussiness Vol 5, No 2 (2022): Oktober
Publisher : Institut Agama Islam Negeri Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/dinamis.v5i2.3346

Abstract

This study aims to compare the level of efficiency of OPZ before and during the pandemic. This research is a quantitative research with the output-oriented Data Envelopment Analysis (DEA) method. The DEA approach used is the production approach. The input variables used include the total cost of amil salaries, total socialization costs and total operational costs. While the output variables include the amount of funds collected and the amount of funds channeled. The type of data used is secondary data originating from financial reports in 2019 and 2020. The sampling technique that the author uses is Purposive Sampling, which takes 9 national-level OPZs consisting of BAZNAS, LMI, Dompet Dhuafa, Rumah Zakat, Orphanage and Zakat. , Indonesian Islamic Da'wah Council, Arrahman Indonesia Orphanage House, Darul Qur'an Nusantara and LAZISNU. The results show that on average, the OPZ efficiency value in 2019 was 0.74 and in 2020 it was 0.70. This trend indicates that there is a decrease in efficiency in the OPZ. it can be concluded that there is no significant difference in the results of OPZ efficiency before the pandemic and during the pandemic. There are 4 OPZs that experience continuous efficiency in 2019 and 2020. Meanwhile, the other five OPZs have yet to experience efficiency. The results of this study can be used as a reference and consideration for policy making in OPZ and relevant institutions/work 
Determinants of Murabahah Margin Rate in the Islamic Commercial Bank in Indonesia Adelia Dwi Febrianti; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp681-693

Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui hubungan antara variabel volume pembiayaan, ROA, DPK, NPF, biaya overhead, inflasi, dan BI7DRR dengan tingkat margin murabahah pada bank umum syariah di Indonesia. Pendekatan yang digunakan pada penelitian ini adalah pendekatan kuantitatif dengan metode analisis meta. Penelitian ini menggunakan sembilan belas artikel sampel yang bersumber pada Google Scholar dan Sinta Journal dengan renang waktu selama 6 tahun (2016–2021). Temuan pada penelitian menunjukkan bahwa volume pembiayaan, ROA, DPK, NPF, dan inflasi memiliki pengaruh yang signifikan terhadap tingkat margin murabahah, sedangkan biaya overhead dan BI7DRR tidak berpengaruh signifikan terhadap tingkat margin murabahah. Penelitian ini memberikan implikasi bahwa Bank Syariah harus memperhatikan volume pembiayaan, ROA, DPK, NPF, dan inflasi dalam menentukan tingkat margin dalam pembiayaan murabahah sehingga profitabilitas pada Bank Syariah lebih baik lagi. Kata Kunci: Tingkat Margin Murabahah, Bank Umum Syariah, Analisis Meta, Indonesia.   ABSTRACT This study aims to determine the relationship between the variables of financing volume, ROA, TPF, NPF, overhead costs, inflation, and BI7DRR with the level of murabahah margins in Islamic commercial banks in Indonesia. The approach used in this study is a quantitative approach with a meta-analysis method. This study uses nineteen sample articles sourced from Google Scholar and Sinta Journal with time swimming for 6 years (2016 – 2021). The findings in this study indicate that financing volume, ROA, TPF, NPF, and inflation have a significant effect on the level of murabahah margins, while overhead costs and BI7DRR have no significant effect on the level of murabahah margins. This study implies that Islamic banks must pay attention to the volume of financing, ROA, TPF, NPF, and inflation in determining the level of margin in murabahah financing so that the profitability of Islamic banks is even better. Keywords: Murabahah Margin Rate, Islamic Commercial Banks, Meta-Analysis, Indonesia.   DAFTAR PUSTAKA Agustina, R. P., & Suprayogi, N. (2018). Faktor-faktor yang mempengaruhi profitabilitas perbankan syariah di Indonesia dan Malaysia (Meta-Analisis penelitian di Indonesia dan Malaysia 2010-2016). Jurnal Ekonomi Syariah Teori Dan Terapan, 5(7), 574–589. https://doi.org/10.20473/vol5iss20187pp576-591 Andriyana, E., & Kusumaningtias, R. (2019). Pengaruh cost of loanable fund, overhead cost dan risk factor terhadap margin murabahah pada bank umum syariah di Indonesia (Periode 20013 - 2017). Jurnal Akuntansi AKUNESA, 8(1). 1-9. Asri, A. R. (2020), Pengaruh financing to deposit ratio (FDR), return on asset (ROA), tingkat suku bunga bank indonesia (BI Rate) dan inflasi terhadap margin murabahah pada perbankan syariah di indonesia. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 8(2). 1-19. Ayufianti, N., & Suprayogi, N. (2020). Meta-analisis: Variabel-variabel yang mempengaruhi tingkat bagi hasil deposito mudharabah (Studi pada bank umum syariah di Indonesia). Jurnal Ekonomi Syariah Teori dan Terapan, 7(4), 646-658. https://doi.org/10.20473/vol7iss20204pp646-658 Ekawati, K., & Shofawati, A. (2019). Faktor-faktor yang mempengaruhi tingkat margin murabahah pada industri perbankan syariah periode 2012-2017.  Jurnal Ekonomi dan Bisnis Islam, 5(1), 50-67. https://doi.org/10.20473/jebis.v5i1.10901 Hamida, K. N. (2017). Analisis pengaruh BI rate dan inflasi terhadap pendapatan margin murabahah dengan non-performing financing sebagai variabel intervening (Studi kasus pada bank umum syariah tahun 2011-2015). Skripsi tidak dipublikasikan. Malang: Universitas Islam Negeri Maulana Malik Ibrahim Malang. Imamah, N. (2021). Pengaruh tingkat suku bunga bank Indonesia terhadap pendapatan margin murabahah pada bank umum syariah di Indonesia periode 2017-2018. Mabny: Journal of Sharia Management and Business, 1(1), 49-70. https://doi.org/10.19105/mabny.v1i01.4632 Lyons, L. C. (2003). Meta-analysis: Methods of accumulating results across research domains. 1–17.  Retrieved from http://www.lyonsmorris.com/MetaA/macalc/MApaper.pdf Lubis, L. V. M., Harahap, Z., Riana, Z., Rahayu, S., Effendi, S., & Agustami, E. (2021). Pengaruh biaya operasional (BOPO), bagi hasil dana pihak ketiga (DPK), dan cash ratio terhadap margin murabahah pada bank umum syariah. JRAM: Jurnal Riset Akuntansi Multiparadigma, 8(1), 67-76. https://doi.org/10.30743/akutansi.v8i1.4067 Mauluddi, H. (2020). Pengaruh biaya operasional, dana pihak ketiga dan non-performing financing terhadap tingkat margin pembiayaan murabahah pada bank umum syariah di Indonesia. Jurnal Ekonomi Syariah, 5(2), 16-30. https://doi.org/10.37058/jes.v5i2.2190 Musaroh, M., Margasari, N., Laili, N. N., & Pratama, M. R. G. G. (2020). The determinants of murabaha margin income in Islamic banking companies in Indonesia, Diponegoro International Journal of Business, 3(2), 123-130. https://doi.org/10.14710/dijb.3.2.2020.123-130 Mustikawati, Y., & Fikri, A. M. (2020). Pengaruh dana pihak ketiga, biaya operasional, BI rate, dan inflasi pada pendapatan margin murabahah. JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan, 5(1), 121-139. https://doi.org/10.52490/jeskape.v5i1.1189 Nisa, A., Irawati, D., & Prasaja, M. (2020). The effect of third-party fund and financing to deposit ratio on murabahah margin in Islamic banks period 2014-2018. 1st Annual Conference on Ihtifaz: Islamic Economics, Finance, and Banking, 1-13. Nisa, A. (2020). Analysis factors affect of murabahah margin in sharia commercial banks in Indonesia. Jurnal Iqtisaduna, 1(1), 53. https://doi.org/10.24252/iqtisaduna.v1i1.15850 Purwanto, P., & Ratna, S. (2018). Analysis of determinant factors toward margin murabahah of Indonesia Islamic banks. Journal of Business Studies and Mangement Review, 1(2), 45-51. https://doi.org/10.22437/jbsmr.v1i2.5349 Ramadhani, E., & Wardana G. K. (2021). Pengaruh inflasi, BI 7-day repo rate dan nilai tukar terhadap margin murabahah perbankan syariah. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 6(3), 676-690. http://dx.doi.org/10.30651/jms.v6i3.9755 Rahma, Y. (2016). Faktor-faktor yang mempengaruhi margin murabahah bank syariah di Indonesia. Akuntabilitas: Jurnal Ilmu Akuntansi, 9(1), 43-54. https://doi.org/10.15408/akt.v9i1.3584 Rosa, S. S., & Kusumawaty, M. (2021). Pengaruh pembiayaan murabahah dan suku bunga BI terhadap pendapatan margin murabahah perbankan syariah (Studi pada BUS di Indonesia). Jurnal Akuntanika, 5(1), 94-103. Schmidt, F. L., & Hunter, J. E. (1999). Theory testing and measurement error. Intelligence, 27(3), 183–198. https://doi.org/10.1016/S0160-2896(99)00024-0 Sumarna, C. (2018). Analisis pengaruh BI rate, nilai tukar, inflasi dan capital adequacy ratio (CAR) terhadap tingkat margin pembiayaan murabahah di bank umum syariah. Skripsi tidak dipublikasikan. Jakarta: Universitas Islam Negeri Syarif Hidayatullah. Siddiqui, S. S. (2015). The association between corporate governance and firm performance - A meta-analysis. International Journal of Accounting and Information Management, 23(3), 218–237. https://doi.org/10.1108/IJAIM-04- 2014-0023 Singh, H. P., Kumar, S., & Colombage, S. (2017). Working capital management and firm profitability: A meta-analysis. Qualitative Research in Financial Markets, 9(1), 34-47. https://doi.org/10.1108/QRFM-06-2016-0018 Wahyuni, A., Mulyany, R., & Zuhri, Z. (2021). What determines murabahah margin income? Evidence from Islamic commercial banks in Indonesia.  Advances in Business Research International Journal, 7(1), 22-32. https://doi.org/10.24191/abrij.v7i1.11996 Yulianto, A., Nurdin, A. A., & Mayasari, I. (2021). Faktor yang memengaruhi pendapatan margin murabahah pada bank umum syariah dan unit usaha syariah. Journal of Applied Islamic Economics and Finance, 1(2), 398-411. https://doi.org/10.35313/jaief.v1i2.2473 Zulpahmi, Z., & Rizqiana, E. (2018). Pengaruh biaya operasional, dana pihak ketiga (DPK), dan non peforming financing (NPF) terhadap margin murabahah pada bank umum syariah di Indonesia. Jurnal Ekonomi & Keuangan Islam, 4(2), 81-86. https://doi.org/10.20885/jeki.vol4.iss2.art4
Comparative analysis of Islamic and conventional banking financing in Indonesia, January 2003 - October 2015 Lina Nugraha Rani; Eko Fajar Cahyono
Journal of Islamic Economics Lariba Vol. 3 No. 1 (2017)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

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

Abstract

Islamic and conventional banks are in the same banking competitive industry. This study examined the comparison between the effects of external and internal factors on the bank's financing problems (NPF with NPL), with the period January 2003 - October 2015. External factors comprise of economic performance (EK), inflation (INF) and the global financial crisis dummy (D07). Meanwhile, internal factors consist of financing (FIN / LOAN) and the financing rate of return (FR). The results of cointegration test indicated that there was a long-term relationship between the external and internal factors of banks’ NPF and NPL. The results of research in general shows that external factors significantly affect the bank's NPL but not the NPF. Internal factors of the bank had a negative effect on NPF and higher influence than the NPL. This suggests that the increase in financing rate of return of Islamic banks lower the NPF. It is concluded that the financing of Islamic banks is healthier compared to that of conventional banks.
COMPARATIVE ANALYSIS OF BAITUL MAAL WAT TAMWIL EFFICIENCY IN INKOPSYAH BMT MEMBERS IN JAVA ISLAND WITH SUMATRA ISLAND 2013-2017 PERIOD Alief Fathomy Rahman; Lina Nugraha Rani
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (570.143 KB) | DOI: 10.22236/jei.v12i1.4842

Abstract

This study aims to analyze the comparison of the efficiency of Baitul Maal wat Tamwil on BMT members of Inkopsyah in Java and Sumatra Island in 2013-2017. This research is quantitative research with a descriptive approach. To test the hypotheses of the samples, we use Data Envelopment Analysis (DEA) method. Assuming Constant Variables to Scale (CRS), Baitul Maal wat Tamwil obtained an average efficiency score over the study period of 0.88799544. However, using the VRS assumption, Baitul Maal wat Tamwil achieved a better average efficiency score with a score of 0.93110024. The results of this study are expected to be useful for stakeholders relating to the sustainability of BMT, such as for implementers or practitioners in the related BMT, for academics or researchers interested in the same topic, and for the community as customers of BMT itself. Keyword: BMT, Inkopsyah, efficiency, CRS, VRS.  
COMPARATIVE ANALYSIS OF BAITUL MAAL WAT TAMWIL EFFICIENCY IN INKOPSYAH BMT MEMBERS IN JAVA ISLAND WITH SUMATRA ISLAND 2013-2017 PERIOD Alief Fathomy Rahman; Lina Nugraha Rani
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i1.4842

Abstract

This study aims to analyze the comparison of the efficiency of Baitul Maal wat Tamwil on BMT members of Inkopsyah in Java and Sumatra Island in 2013-2017. This research is quantitative research with a descriptive approach. To test the hypotheses of the samples, we use Data Envelopment Analysis (DEA) method. Assuming Constant Variables to Scale (CRS), Baitul Maal wat Tamwil obtained an average efficiency score over the study period of 0.88799544. However, using the VRS assumption, Baitul Maal wat Tamwil achieved a better average efficiency score with a score of 0.93110024. The results of this study are expected to be useful for stakeholders relating to the sustainability of BMT, such as for implementers or practitioners in the related BMT, for academics or researchers interested in the same topic, and for the community as customers of BMT itself. Keyword: BMT, Inkopsyah, efficiency, CRS, VRS.  
Comparison Analysis of Sustainable Banking Performance of Sharia Bank and Conventional Bank as Members of First Movers on Sustainable Banking in Indonesia Period 2017-2020 Dhea Rizqi Karisma; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 5 (2023): September-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20235pp511-524

Abstract

ABSTRACTThis study aimed to analyze the comparison of the sustainable banking performance of Islamic banks with conventional banks as members of the first movers on sustainable banking in Indonesia for the 2017-2020 period. In this study, a quantitative approach was used using content analysis techniques and the Mann-Whitney U test. The research was conducted to determine the relationship between the dependent variable Sustainable Banking Performance (SBPF) and the independent variables consisting of SBPF Indicators (Indicators of Sustainable Banking Performance). The data used was secondary data in the form of sustainability reports and bank annual reports obtained from the bank's official website. The population in this study was the banking industry in Indonesia and the sample used was 8 member banks of First Movers on Sustainable Banking, namely Bank Muamalat, BRI Syariah, Mandiri, BRI, BNI, BCA, BJB and Bank AGI in 2017-2020. The results obtained are that 8 member banks of First Movers on Sustainable have been able to implement the practice of SBPF very well, BRI and BNI are at substantial adoption plus 5 other banks are at satisfactory adoption and AGI is at the adoption level. Furthermore, there is no significant difference from the SBPF based on Conventional Banks and Islamic Banks.Keywords: Sustainable Development, First Movers on Sustainable Banking, Sustainable banking, Sustainable Banking Performance (SBPF) ABSTRAKPenelitian ini bertujuan untuk menganalisis perba`ndingan sustainable banking performance bank syariah dengan bank konvensional sebagai angggota first movers on sustainable banking di Indonesia periode 2017-2020. Pada penelitian ini menggunakan pendekatan kuantitatif dengan teknik Content Analysis dan uji Mann-Whitney U Test. Penelitian dilakukan untuk mengetahui hubungan antara variabel dependen Sustainable Banking Performance (SBPF) dan variabel independen yang terdiri yaitu Indikator SBPF (Indicators Sustainable Banking Performance). Data yang digunakan merupakan data sekunder berupa laporan keberlanjutan dan laporan tahunan bank yang didapat dari situs web resmi bank. Populasinya adalah industri perbankan di Indonesia dan sampel yang digunakan adalah 8 bank anggota First Movers on Sustainable Banking yaitu Bank Muamalat, BRI Syariah, Mandiri, BRI, BNI, BCA, BJB dan Bank AGI pada tahun 2017-2020. Hasilnya 8 bank anggota First Movers on Sustainable sudah mampu menerapkan praktek SBPF dengan sangat baik, BRI dan BNI yang berada pada adopsi substansial ditambah 5 Bank lainya berada pada adopsi memuaskan dan AGI pada tingkat mulai mengadopsi. Selanjutnya tidak ada perbedaan yang signifikan dari SBPF berdasarkan Bank Konvensional dan Bank Syariah.Kata Kunci: Pembanguna Berkelanjutan, First Movers on Sustainable Banking, Sustainable banking, Sustainable Banking Performance(SBPF)
Dampak penjaminan Syariah pada kesehatan pembiayaan perbankan Syariah Muhamad Nafik Hadi Ryandono; Lina Nugraha Rani
Al Tijarah Vol. 4 No. 2 (2018): Al Tijarah | December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v4i2.2827

Abstract

Tujuan penelitian ini adalah untuk menjawab pertanyaan; bagaimana dampak penjaminan syariah pada kesehatan pembiayaan Bank Syariah?. Pendekatan penelitiannya adalah pendekatan kualitatif dengan jenis penelitian explanatori dan strateginya studi kasus serta analisisnya diskriptif naratif.  Hasil penelitiannya adalah risiko pembiayaan dan moral hazard staf pembiayaan dapat diminimalisir sedini mungkin. Pada saat terjadi permasalahan dalam pembiayaan para pihak (bank syariah dan lembaga penjaminan) cenderung melakukan tindakan untuk menghindari risiko yang terjadi pada lembaganya dengan moral harazd  merugikan nasabah pembiayaan atau dengan kata lain nasabah pembiayaan menjadi obyek penderita dengan mengabaikan hak-haknya nasabah pembiayaan. Temuan di lapangan pihak nasabah  dipaksa untuk berhubungan dengan lembaga ribawi agar mengambil pembiayaan  untuk menutup kerugian yang muncul bagi Bank Syariah dan lembaga penjaminan syariah. Kerjasama yang awalnya dengan niat ta’awun justru menjadi masalah dan beban bagi nasabah pembiayaan. Kondisi ini terjadi karena pihak nasabah pembiayaan merupakan pihak  yang lemah, dimana harus menyelesaikan kewajiban pembiayaannya dan apabila tidak menyelesaikannya diancam masuk kategori kolektibilitas macet. Kondisi ini tentu saja membuat nasabah pembiayaan akan melakukan apa saja karena darurat agar tidak masuk kolektibilitas macet dan dilema sehingga jika imannya tidak kuat akan terjerumus pada ribawi. Kondisi ini sangat disesalkan karena pihak nasabah yang berniat menghindari riba tapi realitasnya akan dijerumuskan masuk dalam ribawi dan dimanfaatkan sebagai strategi menghindari risiko oleh pihak bank syariah dan lembaga penjaminan. Penjaminan syariah secara realitas empirik hanya berdampak pada kesehatan pembiayaan bagi bank syariah tetapi pada kondisi pembiayaan bermasalah cenderung terjadi moral hazard dari pihak bank syariah dan lembaga penjaminan yang merugikan pihak nasabah pembiayaan.
A Comparative Analysis between Islamic Banks and Conventional Banks in Indonesia Before and After Global Financial Crisis Rani, Lina Nugraha
Economics and Finance in Indonesia Vol. 64, No. 2
Publisher : UI Scholars Hub

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

Abstract

The objective of this study is to elaborate the comparison and examine the stability level between Islamic and conventional banks operational in Indonesia during the period of before and after Global Financial Crisis (GFC). The impact of Global Financial Crisis on Islamic and conventional banks was analyzed using the tests of IRF (Impulse Response Function) and Variance Decomposition Analysis (VDA) which existed in the VAR (Vector Autoregressive) Method. The pre (GFC) period used in this study is between January 2003 and July 2007, whereas the post GFC is between August 2007 and December 2016. The results of this study are that Conventional and Islamic Banks are affected by macroeconomic conditions and macroeconomic turmoil in the period before and after the global financial crisis. The results of contrasting research are the responses and the effect of macroeconomic indicators on banks higher pre the GFC occurs than after the occurrence of GFC.
Microprudential Indicators of Financial System Stability: An AHP Approach Rani, Lina Nugraha; Rusydiana, Aam Slamet; Hasib, Fatin Fadhilah
Accounting and Sustainability Vol. 2 No. 2 (2023): Accounting and Sustainability
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/as.v2i2.386

Abstract

In general there are two indicators of financial system stability, namely microprudential and macroprudential. Among macroprudential indicators are economic growth, balance of payments, inflation rate, interest and exchange rates, crisis contagion effect, and many others. Different from the previous researches concerning financial system stability measurement, this research will use the financial and banking practitioners' perspective regarding the leading indicator in measuring financial system stability so that we can presumably determine the real leading financial stability indicator for the current situation using Analytic Hierarchy Process (AHP) method. This study will look at the indicator of financial system stability from a microprudential perspective in Indonesia. The results show that based on the results of interviews with experts/banking practitioners, the 3 (three) most important aspects are Capital & Asset (0.187), Profitability (0.186) and Asset Quality (0.177). Important indicators of financial system stability from the next microprudential aspect are Liquidity (0.176), Market-based Indicators (0.139) and finally Risk Sensitivity (0.136). The Macroprudential Policy and microprudentials issued by Bank Indonesia as the central bank that has full authority, play an important role in maintaining Financial System Stability (SSK) in Indonesia.
Analytic Network Process on Early Warning Indicators for Financial System Stability Rani, Lina Nugraha; Hasib, Fatin Fadhilah
Islamic Economics Methodology Vol. 3 No. 1 (2024): Islamic Economics Methodology
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/iem.v2i2.520

Abstract

The purpose of this research is to find out the leading indicators of financial crisis from the perspective of expert practitioners, micro and macroeconomic sides; Based on the results of interviews with banking practitioner experts, related to the most important indicators of financial system stability in Indonesia, both microprudential and macroprudential criteria, both aspects are equally considered important and priority. However, from the practitioners' perspective, the microprudential aspect is a more important factor (0.506) than the macroprudential aspect (0.494). Macroprudential and Microprudential policies issued by Bank Indonesia as the central bank with full authority play an important role in maintaining Financial System Stability. The presence of the Financial System Stability Coordination Forum (FKSSK) which consists of several financial authorities is expected to be able to save the economic conditions of the Indonesian nation in the financial sector. For future research, this study is expected to be an initial step. For example, by further expanding the number of expert respondents who are not only from banking practitioners, but also from academics and policy makers.
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