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THE DETERMINANTS FACTORS OF PROFITABILITY ISLAMIC BANK IN INDONESIA Purwasih, Herawati; Wibowo, Wisnu
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol 5, No 1 (2021): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v5i1.10023

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui faktor yang mempengaruhi pertumbuhan dari profitabilitas bank syariah di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Autoregressive Distributed Lag (ARDL). Data yang digunakan adalah data bulanan variabel makroekonomi dan variabel perbankan periode Januari 2006 – Desember 2019. Variabel makroekonomi yang digunakan adalah Industrial Production Index, Inflasi, Nilai Tukar Rupiah terhdap dollar, suku bunga. Sedangkan variabel perbankan yang digunakan adalah Capital Adequacy Ratio, Non Performing Financing, Financing to Deposite Ratio, Biaya Operational dan Pendapatan Operational, serta variabel return on asset. Hasil dari penelitian ini adalah dalam jangka pendek hanya variabel Nilai Tukar, Biaya Operational dan Pendapatan Operational serta Non Performing Financing yang berpengaruh terhadap Return on Asset. Variabel Industrial Production Index, Inflasi, suku bunga, Capital Adequacy Ratio, dan Financing to Deposite Ratio tidak berpengaruh terhadap return on asset dalam jangka pendek. Kemudian dalam jangka panjang hasilnya sama yaitu hanya variabel Nilai Tukar, Biaya Operational dan Pendapatan Operational serta Non Performing Financing yang berpengaruh terhadap Return on Asset. Variabel Industrial Production Index, Inflasi, suku bunga, Capital Adequacy Ratio, dan Financing to Deposite Ratio juga tidak berpengaruh terhadap return on asset dalam jangka panjang. Variabel nilai tukar merupakan variabel yang paling berpengaruh dalam jangka pendek maupun jangka panjang terhadap profitabilitas of Islamic bank.  Dengan demikian penelitian ini diharapkan bisa membantu perbankan syariah dalam menganalisa faktor yang mempengaruhi profitabilitas perbankan syariah di Indonesia.  The purpose of this research is to find out the determinant factors that the growth of Islamic bank profitability in Indonesia. This research uses a quantitative approach with the Autoregressive Distributed Lag (ARDL) method. The data used is monthly data of macroeconomic variables and banking variables for the period January 2006 – December 2019. Macroeconomic variables used are the Industrial Production Index, Inflation, Rupiah Exchange Rate with the dollar, interest rate. While the banking variables used are Capital Adequacy Ratio, Non-Performing Financing, Financing to Deposit Ratio, Operational Cost and Operational Income, as well as variable return on assets. The result of this study is that in the short term only variable Exchange Rates, Operational Costs, and Operational Income and Non-Performing Financing affect Return on Assets. Variable Industrial Production Index, Inflation, interest rates, Capital Adequacy Ratio, and Financing to Deposite Ratio have no effect on return on assets in the short term. Then in the long run the result is the same is that only variable Exchange Rates, Operational Costs, and Operational Income and Non-Performing Financing affect the return on assets. Variable Industrial Production Index, Inflation, interest rates, Capital Adequacy Ratio, and Financing to Deposite Ratio also have no effect on return on assets in the long term. Exchange rate variables are the most influential variables in the short and long term on the profitability of Islamic banks. Thus, this research is expected to assist Sharia banking in analyzing factors that affect the profitability of Sharia banking in Indonesia.
Determinants of Regional Household Final Consumption Expenditure in Indonesia Sugiarto, Sugiarto; Wibowo, Wisnu
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 13, No 2 (2020): September 2020
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v13i2.25736

Abstract

The Indonesian economy, both at the national and regional levels, tended to experience a slowdown during 2010-2019. From the demand side, household final consumption expenditure (HFCE) is the primary cause of the slowdown. Therefore, various efforts are needed to maintain and improve HFCE. One of these efforts is to keep the stability of the macroeconomic factors that influence it. This research aims to reveal the determinants of regional HFCE in Indonesia. The determinants of HFCE were investigated using a dynamic panel data regression model with the first-difference Generalized Method of Moments (FD-GMM) approach and applied to data from 33 provinces during 2010-2019. The application of FD-GMM provides valid and consistent estimates. The results of the parameter significance test provide evidence that the lagged real HFCE, real gross regional domestic product (GRDP), and government spending have a significant positive impact on real HFCE. Meanwhile, both the inflation and unemployment rates had significantly negatively impacted. Thus, the role of policymakers in maintaining the stability of the five macroeconomic factors is necessary so that HFCE increases and the economy can grow even higher.
KLASTERISASI KABUPATEN/KOTA DI JAWA TENGAH BERDASARKAN INDIKATOR KINERJA PEMBANGUNAN Sugiarto Sugiarto; Wisnu Wibowo
Jurnal Litbang Sukowati : Media Penelitian dan Pengembangan Vol 3 No 2 (2020): Vol. 3 No. 2, May 2020
Publisher : Badan Perencanaan Pembangunan Daerah, Penelitian dan Pengembangan Kabupaten Sragen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32630/sukowati.v3i2.161

Abstract

Masalah ketimpangan pembangunan antarkabupaten/kota di Jawa Tengah masih terjadi meskipun pembangunan ekonomi di provinsi ini cukup berhasil. Untuk mengatasinya diperlukan kebijakan berbasis wilayah. Studi ini bertujuan melakukan klasterisasi wilayah berdasarkan indikator kinerja pembangunan manusia, infrastruktur, dan ekonomi untuk mendukung pengambilan kebijakan berbasis wilayah. Principal component analysis (PCA) dan analisis faktor digunakan untuk mereduksi variabel kinerja pembangunan yang saling berkorelasi, sedangkan analisis cluster digunakan untuk melakukan klasterisasi kabupaten/kota berdasarkan indikator kinerja pembangunan. Dari PCA dan analisis faktor terbentuk 3 faktor kinerja pembangunan manusia, 3 faktor kinerja pembangunan infrastruktur, dan 2 faktor kinerja pembangunan ekonomi, sedangkan analisis cluster menghasilkan 5 klaster kabupaten/kota. Kinerja pembangunan manusia tinggi, infrastruktur sangat tinggi, dan ekonomi tinggi dimiliki oleh Klaster 1, yang terdiri dari 4 kota. Klaster 2, memiliki karakteristik kinerja pembangunan manusia sangat tinggi, infrastruktur tinggi, dan ekonomi sangat tinggi, terdiri dari 1 kota. Klaster 3, memiliki karakteristik kinerja pembangunan manusia sangat rendah, infrastruktur sedang, dan ekonomi sedang, terdiri dari 7 kabupaten. Klaster 4, memiliki karakteristik kinerja pembangunan manusia sedang, infrastruktur rendah, dan ekonomi rendah, terdiri dari 12 kabupaten. Sepuluh kabupaten dan satu kota lainnya berada pada Klaster 5 dengan ciri-ciri kinerja pembangunan manusia tinggi, infrastruktur tinggi, dan ekonomi rendah.
Kerentanan Perbankan di Indonesia Amir Ambyah Zakaria; Wisnu Wibowo
MediaTrend Vol 15, No 1 (2020): MARET
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v15i1.5397

Abstract

This research aims to measure the banking vulnerability index and test the factors that influence the banking crisis. The crisis and variable identification that triggered the banking crisis is still a debate. This study uses banks in Indonesia which listed in JKSE for the period 2009 to 2014 as samples. This study uses index calculations as identification of possibility individual banking crisis, and examines bank internal variable, macroeconomic variable, and global economic variables that are thought to trigger the banking crisis using logit regression. The result is that bank internal factors proxy by non-performing loans, labor cost ratios and loans to deposits ratios have a positive relationship with the banking crisis, while net interest margins and interest income have a negative relationship with the banking crisis. Macroeconomic and global economic variables proxy by domestic inflation and US interest rates have a positive effect on the banking crisis while M2 growth, and GDP growth in the USA have a negative effect on the possibility of a banking crisis in Indonesia.
Analysis of The Effect of Remittance on Economic Growth in Developing Countries East Asia and Pacific Region Firdan Belado Romadona; Wisnu Wibowo; Hairul Rahman
MediaTrend Vol 16, No 2 (2021): OKTOBER
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v16i2.10052

Abstract

This study determine how remittances affect economic growth in the developingcountries of East Asia and the Pacific region. The type of data in this study issecondary data with the form of panel data. This research was conducted in the period 2000-2019 in 11 developing countries in East Asia and the Pacific region. This study used Random Effect Model estimation to determine the influence ofindependent variables, namely GDP per capita with dependent variables, namelyremittances, working-age population, FDI, and trade openness. The result showsthat variable remittances and working-age populations positively and significantlyimpact economic growth in developing countries in East Asia and the Pacific region.The estimated results for FDI variables negatively and significantly affect developingcountries economic growth in East Asia and the Pacific region. Estimates for tradeopenness variables have no significant effect on developing countries economicgrowth in East Asia and the Pacific region.
Pengaruh Pembayaran Non-Tunai Terhadap Kinerja Sektor Primer Di Indoensia Mira Ayu Astari; Wisnu Wibowo
MediaTrend Vol 17, No 1 (2022): MARET
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v17i1.13632

Abstract

The purpose of this study is to examine the effect of non-cash payments on theperformance of the primary sector in Indonesia. The independent variables consistof ATM/Debit cards, credit cards, e-money, check payments, and RTGS payments.The dependent variable of the primary sector is divided into two, namely agricultural GDP and mining GDP. The data used is a secondary data type with time series, observation period 2010.q1-2019.q4. The analytical method of this study uses the Error Correction Model (ECM) estimation to determine the effect of non-cash payments in the short and long term. The short-term estimation results in the miningsector only have a significant influence on the RTGS variable, while in the long termit is influenced by credit cards, e-money, and RTGS. The results of the short-termestimation of the agricultural sector have a significant effect on credit cards, checks,and RTGS, while in the long term only checks are significant
Efisiensi belanja pendidikan di jawa timur (penerapan data envelopment analysis) Wahyu Aditama P; Tri Haryanto; Wisnu Wibowo
INOVASI Vol 18, No 2 (2022)
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (201.653 KB) | DOI: 10.29264/jinv.v18i2.11096

Abstract

Penelitian ini bertujuan untuk  mengetahui efisiensi teknis belanja  pemerintah daerah di sektor pendidikan di Kota dan Kabupaten di provinsi di Jawa Timur. Input data yang digunakan yaitu belanja pendidikan per kapita pada kota dan kabupaten di provinsi Jawa Timur pada tahun 2010-2019. Output yang digunakan adalah IPM, harapan lama sekolah dan rata-rata lama sekolah. Metode yang diterapkan  dalam pengukuran efisiensi ini adalah Data Envelopment Analysis (DEA), dengan output  perbandingan model CRS dan VRS. Hasil analisis DEA dengan asumsi CRS dan VRS menunjukkan hasil yang berbeda. Baik dengan menggunakan asumsi CRS atau VRS diketahui tidak ada daerah yang konsisten efisien selama periode 2010-2019
EFFECT OF THE NUMBER OF COMMISSIONERS AND PROPORTION OF INDEPENDENT COMMISSIONERS ON PUBLIC COMPANY PERFORMANCE Ida Masriani; Rahmat Setiawan; Wisnu Wibowo
Eksis: Jurnal Riset Ekonomi dan Bisnis Vol. 17 No. 1 (2022): April - September 2022
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/eksis.v17i1.988

Abstract

This study examines whether the size of the board of commissioners and the proportion of independent commissioners affect the company's financial performance. This study uses a quantitative method with econometric calculations. Data were obtained from 236 companies listed on the Indonesia Stock Exchange in 2015-2019. The data were analyzed using panel data regression using three variables: the dependent variable ( dependent ), the independent variable ( independent ), and moderating variable. This research uses MRA ( Moderated Regression Analysis ) analysis technique which will be processed using STATA. This study proves that the size of the board of commissioners and the proportion of independent commissioners positively affect the company's financial performance. The test also involves a moderating variable in the form of government ownership. It results that the government ownership variable has no significant effect on the relationship between commissioners and financial performance. The findings of this study contribute as recommendations to stakeholders involved in the management of the company, especially public companies
Efisiensi belanja pendidikan di jawa timur (penerapan data envelopment analysis) Wahyu Aditama P; Tri Haryanto; Wisnu Wibowo
INOVASI Vol 18, No 2 (2022): Mei
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v18i2.11096

Abstract

Penelitian ini bertujuan untuk  mengetahui efisiensi teknis belanja  pemerintah daerah di sektor pendidikan di Kota dan Kabupaten di provinsi di Jawa Timur. Input data yang digunakan yaitu belanja pendidikan per kapita pada kota dan kabupaten di provinsi Jawa Timur pada tahun 2010-2019. Output yang digunakan adalah IPM, harapan lama sekolah dan rata-rata lama sekolah. Metode yang diterapkan  dalam pengukuran efisiensi ini adalah Data Envelopment Analysis (DEA), dengan output  perbandingan model CRS dan VRS. Hasil analisis DEA dengan asumsi CRS dan VRS menunjukkan hasil yang berbeda. Baik dengan menggunakan asumsi CRS atau VRS diketahui tidak ada daerah yang konsisten efisien selama periode 2010-2019
Kerentanan Perbankan di Indonesia: Pengukuran dan Penyebabnya Wibowo, Wisnu; Zakaria, Amir Ambyah
Jurnal Ekonomi dan Pembangunan Indonesia Vol. 21, No. 1
Publisher : UI Scholars Hub

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

Abstract

This study aims to identify banking vulnerabilities and analyze the factors that influence them. The tool used to identify bank vulnerabilities uses modification crisis and default index (C&D Index) while hypothesis testing uses logit regression. Commercial banks in Indonesia from 2008 to 2018 was taken as sample. As a result, in 2008 and 2013 were the most vulnerable conditions for banks in Indonesia. The reason most banks have been identified as vulnerable is due to decreased profits, increased liabilities in foreign currencies and increased Non Performing Loan (NPL). Logit regression test show that banking fragility is negatively related to capital, liquid assets, and financial assets.