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Journal : IQTISHADIA

THE IMPACT OF MACROECONOMIC ON NONPERFORMING LOAN: COMPARISON STUDY AT CONVENTIONAL AND ISLAMIC BANKING Kusmayadi, Dedi; Firmansyah, Irman; Badruzaman, Jajang
IQTISHADIA Vol 10, No 2 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i2.2864

Abstract

Rata-rata rasio NPF bank syariah lebih tinggi dibandingkan NPL bank konvensional. Hal ini menjadifenomena yang harus diteliti dan diindikasikan terdapatfaktor-faktor yang mempengaruhinya khususnyafaktor makroekonomi. Penelitian bertujuan untukmembandingkan faktor-faktor yang mempengaruhi nonperforming loan (NPL) pada perbankan konvensionaldan perbankan syariah. Beberapa variabel makroekonomiyang diduga mempengaruhi NPL/NPF adalah SBI/SBIS, BI rate, nilai tukar, inflasi, GDP dan variabelkontrol yaitu efisiensi. Periode penelitian dari Maret2010 sampai Desember 2016 dengan data triwulanan.Analisis menggunakan regresi linier berganda. Hasilpenelitian menunjukkan bahwa dari seluruh variabelmakroekonomi hanya SBIS, inflasi dan PDB yangberpengaruh negatif signifikan terhadap NPF banksyariah. Sedangkan hanya PDB yang berpengaruhterhadap NPL bank konvensional.Dengan demikian hanya bank syariah yang merasakandampak dari makroekonomi khususnya SBIS, inflasidan PDB sehingga hasil ini dapat menjadi dasar bagiBank Indonesia dan pemerintah dalam membuatkebijakan makroekonomi.
The Implementation of Good Corporate Governance to Develop Islamic Micro Insurance In Indonesia Firmansyah, Irman
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.5508

Abstract

This study is aimed to find the best model in order to create Good Corporate Governance (GCG) for Islamic micro insurance development. The research methodology employed in this study was Analytic Network Process (ANP) using quantitative and qualitative approaches. The informants of this consist of practitioners, academia, and researchers who have good understanding of the problem. The finding of this study shows that the priority to embody good corporate governance principle in order to develop Islamic micro insurance in Indonesia namely, responsibilities, followed by equality and fairness, independences, accountability and transparency. In addition, the priorities of strategies that can be implemented to optimize GCG implementation are training and education for human resources, followed by focus on internal control mechanism, and the third is good corporate governance implementation in each level. The finding of this study also contributed to the best model of good corporate governance model to enhance Islamic micro insurance in Indonesia.