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All Journal International Conference on Law, Business and Governance (ICon-LBG) Journal The Winners JMM17: Jurnal Ilmu Ekonomi dan Manajemen Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) SYIRKAH Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK) ACADEMICS IN ACTION Journal of Community Empowerment FIRM: Journal of Management Studies Journal of Management and Leadership MUKADIMAH: Jurnal Pendidikan, Sejarah, dan Ilmu-ilmu Sosial International Journal of Industrial Optimization (IJIO) MALIA: Journal of Islamic Banking and Finance Intervensi Komunitas: Jurnal Pengabdian Masyarakat IJORER : International Journal of Recent Educational Research Rudence: Rural Development for Economic Resilience IDEAS: Journal of Management & Technology Proceeding of the International Conference on Family Business and Entrepreneurship (ICFBF) Journal of International Conference Proceedings Journal of Business Studies and Management Review
Purwanto Purwanto
President University
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Journal : MALIA: Journal of Islamic Banking and Finance

 1 
Analysis of Financial Ratio That Affecting Total Financing of Bank Umum Syariah In Indonesia Zerlinda Tharifah Ulfa; Purwanto Purwanto
MALIA: Journal of Islamic Banking and Finance Vol 4, No 2 (2020): -
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i2.9135

Abstract

This study aimed to analyze the factors that influence the Total Financing of Bank Umum Syariah (BUS) in Indonesia. Islamic banking system in Indonesia was developed within the framework of the dual banking system to give alternatives for more complete banking services to the people of Indonesia. Islamic banking in Indonesia has grown rapidly every year, but it can not be denied the role of Islamic banking in the economy is still relatively small compared with conventional banking. The amount of total financing is only about 5,56% of the banking total credit. It can be seen also in the proportion of assets Islamic banking to national banking assets that only 4.8% and 18.75% of the total national banking accounts. The research data is taken from the financial reports of 10 of Islamic banks in Indonesia. The method used is a quantitative method and multiple regression analysis, proceed using SPSS to test normality, multicollinearity, heteroscedasticity and autocorrelation. The result of this research showed that the Capital Adequacy ratio(CAR), Non-Performing Financing (NPF), and Operating Expense Operating Income ratio (OEOI) had a significant effect on total financing. Meanwhile, Return on Asset (ROA) and Financing to Deposit Ratio (FDR) had no significant effect on the total financing of Bank Umum Syariah. Adjusted R Square value is 0.239 or 23,9%. This value shows that the percentage of the contribution of independent variables on total financing is 23.9 %.  The remaining percentages are due to other variables excluded in this model.
The Role of Islamic Social Finance Through Ziswaf and BMT During The Covid-19 Pandemic Purwanto Purwanto; Fitri Nurba Sari; Mona Burasukma; Siti Nursolihah
MALIA: Journal of Islamic Banking and Finance Vol 5, No 2 (2021): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v5i2.11911

Abstract

This research was conducted to explain the role of Islamic social finance through ZISWAF and BMT during the Covid-19 pandemic. This study uses qualitative methods that use library research techniques. The results of the study indicate that Islamic social finance plays an important role in dealing with declining economic conditions during the Covid-19 pandemic. The existence of ZISWAF can reduce the problem of poverty due to the Covid-19 pandemic, as well as the existence of BMT which can encourage businesses that lack capital and of course can help the government in dealing with existing problems. The role of Islamic social finance is shown by offering solutions to overcome economic problems, namely: the distribution of BLT originating from zakat collection units or from people with more income, assistance in the form of zakat, infaq, or alms; increasing waqf with cash waqf schemes, productive waqf or waqf linked sukuk waqf in order to strengthen waqf; assistance in the form of business capital to Micro, Small and Medium Enterprises (UMKM) groups experiencing crisis conditions; providing venture capital followed by a qardhul hasan loan scheme; providing understanding to increase literacy related to sharia economics and finance; sharia financial technology development. The implication is to help the welfare of the poor so that they become more capable people by providing business capital.
Co-Authors Afri Yeni Lubis Azhar Azzura Bachtiar Chesa Ivania Larasati Dedi Rianto Rahadi Devita Rahma Aryati Erynda Bhita Safira Filda Rahmiati Fitri Nurba Sari Florentia Tiurma Puspita Manik Hanif Adinugroho Widyanto Hari Suryanto Ismail Ismail Jonathan Andianto Jony Octavian Haryanto Lili Adi Wibowo Liliani Reskita Mastor Chris Thover Mei Ling Sun Mona Burasukma Muhammad Aliamza Annahl Nandita Salatifa Diwanti Novio Dyfa Pratama Nuryanti Oktaviani Pitri Yanti Prasetyo Harisandi Prasetyo Harisandi Prasetyo Harisandi Rangga Pradana Ratih Hurriyati Retnowati Retnowati Siti Nursolihah SOPHIA DWI RATNA Sri Handayani Sri Yusriani Syafei, M. Yani Tan Natasya Yona Calista Vanessa Gaffar Vici Fitrayanti Vu Quang Hai Dang Zeflin Angga Zerlinda Tharifah Ulfa